Жилищное кредитование

-

, 2011

CONFIDENTIALDocumentDateThis report is solely for the use of client personnel. No part of it may be circulated, quoted, or reproduced for distribution outside the client organization without prior written approval from McKinsey & Company. This material was used by McKinsey & Company during an oral presentation; it is not a complete record of the discussion.Working Draft Last Modified 04.09.1508 22:16:33 Central Europe Standard TimePrinted 04.09.1508 23:44:13 Russian Standard Time 5278, . , . , . 8. . 8 (499) 240-24-4011

11

2.

3.

4.

5. . , .

6. . .7. .

8. ,

9. -

10.

11. !!!

Unit of measure*FootnoteSource:SourceWorking Draft - Last Modified 04.09.2008 22:16:33Printed 04.09.2008 23:44:13 5278, . , . , . 8. . 8 (499) 240-24-402

1 :, ( ). ,

:; ; / , ; / ; ; ; -; ; ; .


2 :

/ :

, , 2 ; / , 3- ( ) 30


3 3- , .

: , () ( ), ,

, () , .


4 :

, !


5 . : 11,05 % 15,75% 9,35% 14,50 %. : , , , .

10%.

, 5%.

- , 6 () , - .


6 . . , / , , - , .

, , , .

.

3 , . 15 000 .

!!!


7 . : 0% 20 % ( ).

, -. - , , .


8 , -:

;

- , ; !!!


9 - - .

- - , , . 4-.

: ; .


10 , , :

;

/ /;

/ - .


* *

300 000 .*

*

* /


/ 300 000 . / , / , ( -)


, , , 300 000 ., ,

/


:

/ ;

;

- / ( ).


, , , / - 300 000 .

/ / 30 ( .. , - -), , , , ( .. -)

/- ( ), , , / /-

/

21 - 75 6


- 15% ( , ); ,- 10% , / - 10% ,


- 300 000 .

/ :

-85%

-85%

- . -85%

-85% ( )-85%

-85% ( )- 85% , /

. ( - )

- 300 000 (10 000 , 7 000 )

-85% / /


-

300 000 .

, , ( -)


-

300 000 .

/ , , ( ); / , , ( ); ( ) , ( ).


, ,

-

300 000 .

/, . !!!

/

.

( );, ( ); ( ).


, /

300 000 .

-

/ ( ) / / ( ) . : , ; , 70% ;- 1 500 000 . ( ); . / / ( )/ ( ), .

/ ( ), , . / /, / / // , ( )/ ( ), .

/ / ( )/ ( ), .

CONFIDENTIALDocumentDateThis report is solely for the use of client personnel. No part of it may be circulated, quoted, or reproduced for distribution outside the client organization without prior written approval from McKinsey & Company. This material was used by McKinsey & Company during an oral presentation; it is not a complete record of the discussion.Working Draft Last Modified 04.09.1508 22:16:33 Central Europe Standard TimePrinted 04.09.1508 23:44:13 Russian Standard Time 5278, . , . , . 8. . 8 (499) 240-24-4023 10,5% 16,0% , 8,8% 14,0%

* . / 11,05% - 15,25%9,10% - 14,00% 11,05% - 15,75%9,10% - 14,50% 300 000 . 11,05% - 15,75%9,35% - 14,5-%* , , .


, ( ) .

, . . . . .. .. .. .. , 10 15 30%13,30%12,05%12,15%10,35%14,75%13,40%13,50%11,50% 30 50%12,85%11,45%11,70%9,70%14,25%12,70%13,00%10,80% 50% 12,15%10,80%11,05%9,10%13,50%12,00%12,25%10,10% 10 20 15 30%13,50%12,35%12,40%10,60%15,00%13,70%13,75%11,80% 30 50%13,05%11,70%11,95%10,00%14,50%13,00%13,25%11,10% 50% 12,40%11,05%11,25%9,35%13,75%12,30%12,50%10,40% 20 30 15 30%13,75%12,60%12,60%10,90%15,25%14,00%14,00%12,10% 30 50%13,30%11,95%12,15%10,25%14,75%13,30%13,50%11,40% 50% 12,60%11,35%11,50%9,65%14,00%12,60%12,75%10,70% , 10 15 30%13,75%12,55%12,15%10,35%15,25%13,90%13,50%11,50% 30 50%13,30%11,90%11,70%9,70%14,75%13,20%13,00%10,80% 50% 12,60%11,25%11,05%9,10%14,00%12,50%12,25%10,10% 10 20 15 30%13,95%12,80%12,40%10,60%15,50%14,20%13,75%11,80% 30 50%13,50%12,15%11,95%10,00%15,00%13,50%13,25%11,10% 50% 12,85%11,55%11,25%9,35%14,25%12,80%12,50%10,40% 20 30 15 30%14,20%13,05%12,60%10,90%15,75%14,50%14,00%12,10% 30 50%13,75%12,45%12,15%10,25%15,25%13,80%13,50%11,40% 50% 13,05%11,80%11,50%9,65%14,50%13,10%12,75%10,70%


, ( ) . , -, , . , . - 10% ( , ). , . . . . .. .. .. .. 10 15 30%13,75%12,55%12,15%10,35%15,25%13,90%13,50%11,50% 30 50%13,30%11,90%11,70%9,70%14,75%13,20%13,00%10,80% 50% 12,60%11,25%11,05%9,10%14,00%12,50%12,25%10,10% 10 20 15 30%13,95%12,80%12,40%10,60%15,50%14,20%13,75%11,80% 30 50%13,50%12,15%11,95%10,00%15,00%13,50%13,25%11,10% 50% 12,85%11,55%11,25%9,35%14,25%12,80%12,50%10,40% 20 30 15 30%14,20%13,05%12,60%10,90%15,75%14,50%14,00%12,10% 30 50%13,75%12,45%12,15%10,25%15,25%13,80%13,50%11,40% 50% 13,05%11,80%11,50%9,65%14,50%13,10%12,75%10,70%


, ( ) .

, . . . . .. .. .. .. , 10 15 30%12,15%11,80%11,05%10,10%13,50%13,10%12,25%11,20% 30 50%11,30%11,15%10,15%9,45%12,55%12,40%11,30%10,50% 50% 10,50%10,55%9,50%8,80%11,65%11,70%10,40%9,80% 10 20 15 30%12,40%12,05%11,25%10,35%13,75%13,40%12,50%11,50% 30 50%11,50%11,45%10,40%9,70%12,80%12,70%11,55%10,80% 50% 10,70%10,80%9,60%9,10%11,90%12,00%10,65%10,10% 20 30 15 30%12,60%12,35%11,50%10,60%14,00%13,70%12,75%11,80% 30 50%11,75%11,70%10,60%10,00%13,05%13,00%11,80%11,10% 50% 10,95%11,05%9,80%9,35%12,15%12,30%10,90%10,40% 10 15 30%12,60%12,25%11,05%10,10%14,00%13,60%12,25%11,20% 30 50%11,75%11,65%10,15%9,45%13,05%12,90%11,30%10,50% 50% 10,95%11,00%9,50%8,80%12,15%12,20%10,40%9,80% 10 20 15 30%12,85%12,55%11,25%10,35%14,25%13,90%12,50%11,50% 30 50%12,00%11,90%10,40%9,70%13,30%13,20%11,55%10,80% 50% 11,20%11,25%9,60%9,10%12,40%12,50%10,65%10,10% 20 30 15 30%13,05%12,80%11,50%10,60%14,50%14,20%12,75%11,80% 30 50%12,20%12,15%10,60%10,00%13,55%13,50%11,80%11,10% 50% 11,40%11,55%9,80%9,35%12,65%12,80%10,90%10,40%


( 11% ) , : ; ( ).

, : ; (, ..); (, ..) * . / , . : .

* (, ), ( ) ( 579 47 25.11.2009. , ).


: 360 . , , 12. : . : 11% : / , :8 000 000 . . -. 3 000 000 . : 80% , - /;80 % , ; 100% , - /;80 % , .


: : : ( ) ( ). : /, , ( ). ( ). : : , ; ( ); ( ).


: : ; ( ); , , ( ):- ; - ( ); - ( );- ; - . , , . (-)/ / ( )/ ( ), .!!! .


, ( ), (), , ( ) , .


( ) 10- () 20** 30%14,25%10,80%12,85%10,60% 30 50%13,55%10,75%12,20%10,55% 50%12,90%10,70%11,65%10,50% 10 20- () 20** 30%14,50%10,90%13,05%10,70% 30 50%13,80%10,85%12,45%10,65% 50%13,15%10,80%11,85%10,60% 20 30- () 20** 30%14,75%11,00%13,30%10,80% 30 50%14,05%10,95%12,65%10,75% 50%13,40%10,90%12,10%10,70%


/ : (-; / , , ; , /, , ( ));

;

( -).

++=


/ , 10 .

/ .

4- () .

: 5 ; 10 .


() ( )

5

, - 4

, , 5


/, ( ), ( ) / / () ( ) ( ) / ( / ). () (). / . - / , / , / ( ), / .



, , :

: 10% ; 15% , ;

/ ( 3- ); : : - / () ; / () () . : - / () ;- - / () () () (), () .

, 35- , ( /), 35- .


Unit of measure*FootnoteSource:SourceWorking Draft - Last Modified 04.09.2008 22:16:33Printed 04.09.2008 23:44:13 5278, . , . , . 8. . 8 (499) 240-24-4040 10,5% 16,0% , 8,8% 14,0%

-.

- , .

!!!

, .

, .


- - ( ) , :

- ;

() - /, ;

( .5 . 488 ).


-: , -: / ;

- ( (/) ().

, ; / , ; () , () ();() (), () / ( .. ) / ; () , ( ) ( ) , , .


, - () () () () () () () () .

() () (), () () (), : () , () , ( ) ( ) , , ; () / ( , , ) / , - ;

, .


-: , -: , , , - ( .. ). , , .

:, ; , , ( .. /, - ) .


-: , -: , (/) (), - .

( ) ( ). ( .. /) () () () () () ;

() (), () ( ) ( .. / / , - ), (() ).


- , - / () - , ( ) , - , 7 . 30 . / : 3 ; 45 . / , 15 ., , . / ( -, ).


- ( ) ()-/ :, ; ; - . () - . , () / , . : - ( /); . / -; , /- -.


, - (()) : ) , ;) ;) () () () -, () . , - . () - . , () / , . : - ( / ); . / ; , / .) , - / . ) - , , , ( ).


() , -, - , / :

() , () / , / , ; , / () - .


() , , -, (),() ( .. //, - ), :

) , , ;

) , , , , , , , - .


, - , / () , ( )!!!


() ( )

5

, - 4

, , 5 , .

, -, () () , , , - , (), () () .


/, ( ) / . ( ) , ( ) () () () , () - /() () () .

. () () .

-


Жилищное кредитование

Documents

sourceworking draft

unit of measure

mckinsey company

client organization

use of client personnel

russian standard time

prior written approval

oral presentation