Elena Malofeeva, director of sales subsidiary office and apartment loans, "the Bank" Gazbank: – 95% of our customers – young families. Typically, they come to us already being trained in the mortgage issues – know what to look for when making your credit well represent the entire procedure. They are familiar with terms and skillfully operate them, which facilitates cooperation, free from the need to explain basic concepts. Often, even the apartment they seek and find themselves without the help of real estate agencies and realtors. As it turns out, the young people under the age of 35 years and account for more than half of bank customers – borrowers on the mortgage, and, as noted by the bankers, their number has increased significantly over the past few years.
About 95 % Of requests from young clients to provide mortgage credit are met. The absence of serious prejudice and a willingness to go to meet young customers bank representatives explained by the fact that most of the of them are really willing to cooperate, which distinguishes them from representatives of the older generation or past clients. Young customers are different and the fact that this group of borrowers is very serious and careful consideration approached the question of a mortgage loan and buying an apartment, choosing the greatest service and quality, the optimum time of registration. This applies to the choice of credit to the insurer, appraiser, mortgage broker and realtor. Representatives of the banks' own features such as strokes made a collective portrait of an average young borrower: it is a professional, having a higher or specialized secondary education, working in a large foreign or Russian companies.