For the second month in a row, Ukrainian banking institutions are reducing the issuance of loans to clients for the purchase of real estate. If during December 2004 a 20-percent decrease in the issuance of mortgage loans was recorded, then already in January the average monthly number of mortgages decreased by 50 percent, falling to the lowest indicators for the entire time of registration of mortgage loans by the Ministry of Justice of Ukraine (since April 2004). This was reported to "proUA" by the press service of the Ministry of Justice.
In total, noted Acting Minister of Justice Oleksandr Lavrynovych, during January 3,382 mortgage loans were issued, whereas in the previous months of 2004 (except for the crisis December) the average indicator of registered mortgages was about 6.5 – 7 thousand loans.
On the whole, reported Oleksandr Lavrynovych, the issuance of mortgage loans by banks has slowed down throughout all of Ukraine. However, if in January such a decline was observed without exception in all regions of the country, then in January the indicators of loans issued for the purchase of real estate fell mainly due to the traditionally active regions. Thus, for example, the leaders of 2004 in mortgage lending - banking institutions of the city of Kyiv reduced the average monthly number of mortgages from 1.3 thousand to 0.52 thousand, Donetsk region – from 0.85 thousand to 0.24 thousand, Dnipropetrovsk region – from 0.56 thousand to 0.35 thousand, Kharkiv region – from 0.5 thousand to 0.1 thousand.
Approximately 1.5-2 times compared to the average monthly indicators of 2004, the number of loans issued for the purchase of real estate also decreased in Crimea, where during January only 0.08 thousand mortgage loans were registered, in Zakarpattia region – 0.05 thousand, in Zaporizhzhia region – 0.2 thousand, in Ivano-Frankivsk region – 0.56 thousand, in Kyiv region – 0.08 thousand, in Kirovohrad region – 0.02 thousand, in Lviv region – 0.14 thousand, in Mykolaiv region – 0.07 thousand, in Poltava region – 0.06 thousand, in Rivne region – 0.05 thousand, in Ternopil region – 0.03 thousand, in Cherkasy region – 0.06 thousand and in Chernihiv region – 0.04 thousand loans for the purchase of immovable property.
However, noted Oleksandr Lavrynovych, despite the reduction in mortgage lending that has continued during the winter in the overall indicators, in January the situation with the issuance of loans for the purchase of real estate stabilized in approximately one third of the regions. These are Sumy and Kherson regions, where during January a number of mortgages was registered corresponding to the December indicators – respectively 0.04 thousand and 0.11 thousand loans. And also in seven more regions, where in January the number of mortgages increased slightly, in particular, in Vinnytsia region - from 0.09 in December to 0.11 in January, in Volyn and Zhytomyr regions – from 0.05 to 0.06 thousand, in Luhansk region from 0.06 to 0.07 thousand, in Khmelnytskyi region from 0.08 to 0.09 thousand, in Chernivtsi region – from 0.03 to 0.04 thousand mortgage loans.
In addition, reported Oleksandr Lavrynovych, an increase in mortgage lending also occurred in Odesa region, where, based on the results of January, the most positive trend regarding the issuance of loans for the purchase of real estate was recorded. The number of mortgages registered during January compared to the depressed December 2004 increased here from 0.35 thousand loans for the purchase of immovable property to 0.43 thousand loans