The economy, which means we ne to press on it harder to achieve the same result than with a longer lever. In general, permanent preferential philippines telegram data programs should be target and should not be a determining factor in the market. Agree, when inflation and inflation expectations grow, and you are given a mortgage at the same preferential rate as before, then taking it out becomes more profitable.
— Personally, I know several people who invest money this way — they bought two or three apartments with a preferential mortgage, in order to rent them out later. So, there are many such people.
This is an illustration of how budget funds
spent on a broad, permanent preferential program do not so much increase the availability of housing for those who ne state support, but rather contribute to excess demand, which results in sharply rising real estate prices.
Yes, such a program was necessary as an anti-crisis
tool during the pandemic. But when absolutely everyone can use preferential mortgages for several years, the effect of lower interest rates is focus on how close users are to achieving their goals: completely offset by an increase in the principal amount of the debt. As a result, the affordability of housing, measur as the ratio of its average cost to average income, has not increas. So we think it is ao lists absolutely right not to extend the broad preferential program, but to leave only target ones (family, for IT specialists, etc. – .).
