If the market has a surplus of bankrupt enterprises, the prices of their assets fall below the actual market value. In the long run supply and demand are relatively effective forces in determining the direction of price changes. But in a short period of time the forces of supply and demand may not be able to effectively market the property companies. For even more details, read what Jeff Gennette says on the issue. Market distortions may be due to the monopoly of the owners. In addition, this market could affect state control mechanisms. For example, authorities could establish control over the sale of enterprises. As noted, the utility is defined in time and space.
The market allows for this certainty, especially after the price. If the company meets market standards, typical at this time for the locality, the price has to fluctuate around the average market value, but if the object does not meet the requirements of the market, it is usually reflected in a lower price on this venture. With effect this pattern is associated a different principle – the principle of conformity, under which companies that do not meet market requirements for equipment manufacturing, technology, level of profitability, etc., is likely to will be evaluated below average. With the principle of correspondence related to the principles of regression and progression. Regression occurs when a company is characterized by excessive in relation to these market conditions, improvements. The market price of the company probably will not reflect its real value will be below the real cost of its development. Progression occurs as a result of the operation of adjacent facilities, such as facilities, providing improved infrastructure, the market price of the enterprise, is likely to be higher than its cost.
In the XXI century mortgage has become a popular option of obtaining housing. Impressive results, "the Kirov regional mortgage corporation" – one of the leading mortgage companies in Russia. Since 2004, the conditions of state programs on the SCREAM through accredited partner banks issued more than 5,000 loans. Macy’s Inc. might disagree with that approach. Banks themselves in the last 2007 mortgage actively promoted and expanded line of credit programs. Kit-Finance, IzhLadabank, Sberbank, Bank Petrocommerce Khlynov Bank, World Bank and other financial market participants of the Kirov region has successfully worked with borrowers. The average inhabitant of the region has no money to purchase houses without credit. So it was yesterday, today and tomorrow, this situation does not change.
For several years the mortgage has quickly become a fashionable phenomenon in the housing market. Sensational mortgage boom 2004-2005, still reminds of itself. The mechanism of mortgage lending is discussed population of long and thorough, so the joke "mortgage – a step for those who do not understand the first time" has lost its urgency. A new entity in the market – a mortgage broker. Today, the number of mortgage brokers in Kirov difficult to calculate.
Wind from the West Loud mortgage crisis in America and Europe was not lost on Russia. What happens to the Kirov mortgage market? How likely is the crisis? What to expect borrowers? Questions discussed, but ambiguous. For a start look at why foreign disaster in world financial markets has undermined the reputation of some banks in Russia. Director, Center for Housing Loan Bank "Khlynov" Sergei Skurikhin explained the situation: "To actively work in the mortgage market, banks need significant financial resources.