Ипотека, в России, сегодня…

  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Declaration of views_handler_argument::options_validate() should be compatible with views_handler::options_validate($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_argument.inc on line 917.
  • strict warning: Declaration of views_handler_argument::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_argument.inc on line 917.
  • strict warning: Declaration of views_handler_sort::options_validate() should be compatible with views_handler::options_validate($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_sort.inc on line 165.
  • strict warning: Declaration of views_handler_sort::options_submit() should be compatible with views_handler::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_sort.inc on line 165.
  • strict warning: Declaration of views_handler_sort::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_sort.inc on line 165.
  • strict warning: Declaration of views_handler_filter::options_validate() should be compatible with views_handler::options_validate($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter.inc on line 587.
  • strict warning: Declaration of views_handler_filter::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter.inc on line 587.
  • strict warning: Declaration of views_handler_filter_node_status::operator_form() should be compatible with views_handler_filter::operator_form(&$form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/node/views_handler_filter_node_status.inc on line 13.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Declaration of views_plugin_argument_validate::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_argument_validate.inc on line 87.
  • strict warning: Declaration of views_plugin_argument_validate_taxonomy_term::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/taxonomy/views_plugin_argument_validate_taxonomy_term.inc on line 165.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Only variables should be passed by reference in /var/www/www-root/data/www/house18.info/sites/default/modules/captcha/captcha.inc on line 61.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Declaration of views_handler_field::query() should be compatible with views_handler::query($group_by = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_field.inc on line 1147.
  • strict warning: Declaration of views_handler_field_comment_username::init() should be compatible with views_handler::init(&$view, $options) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/comment/views_handler_field_comment_username.inc on line 47.
  • strict warning: Declaration of views_plugin_query::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_query.inc on line 169.
  • strict warning: Declaration of views_plugin_row::options_validate() should be compatible with views_plugin::options_validate(&$form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_row.inc on line 136.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Declaration of views_plugin_style_default::options() should be compatible with views_object::options() in /var/www/www-root/data/www/house18.info/sites/default/modules/views/plugins/views_plugin_style_default.inc on line 24.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method view::load() should not be called statically in /var/www/www-root/data/www/house18.info/sites/default/modules/views/views.module on line 1113.
  • strict warning: Declaration of page_title_plugin_display_page_with_page_title::options_submit() should be compatible with views_plugin::options_submit($form, &$form_state) in /var/www/www-root/data/www/house18.info/sites/default/modules/page_title/views/plugins/page_title_plugin_display_page_with_page_title.inc on line 66.
  • strict warning: Declaration of content_handler_field::element_type() should be compatible with views_handler_field::element_type($none_supported = false, $default_empty = false, $inline = false) in /var/www/www-root/data/www/house18.info/sites/default/modules/cck/includes/views/handlers/content_handler_field.inc on line 229.
  • strict warning: Declaration of views_handler_filter_term_node_tid_depth::operator_options() should be compatible with views_handler_filter::operator_options() in /var/www/www-root/data/www/house18.info/sites/default/modules/views/modules/taxonomy/views_handler_filter_term_node_tid_depth.inc on line 89.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Non-static method views_many_to_one_helper::option_definition() should not be called statically, assuming $this from incompatible context in /var/www/www-root/data/www/house18.info/sites/default/modules/views/handlers/views_handler_filter_many_to_one.inc on line 23.
  • strict warning: Only variables should be passed by reference in /var/www/www-root/data/www/house18.info/sites/default/modules/captcha/captcha.inc on line 61.

Сейчас повсеместно говорят и пишут, что ипотека для россиян понятие новое, необычное, малопонятное и даже в чем-то пугающее. Хотя правильно говорят, что новое – это крепко-накрепко забытое старое. Ведь греческое слово «ипотека» означало получение ссуды под залог недвижимости – поля или дома. Кстати, именно в борьбе за отмену последствий ипотеки (знаменитые реформы Солона, отменившего изъятие земельных участков безнадежных должников) и родилась знаменитая афинская демократия. Хорошо была известна ипотека и в России, и только после Октябрьской революции этот институт был отменен.

Развитие на новом этапе рыночных отношений на руинах бывшего СССР вернуло к жизни и, казалось бы, порядком подзабытый институт ипотеки. Естественно, возвращения уже очень хорошо забытого старого с без малого вековым перерывом не могло пройти спокойно и гладко: ведь и страна, и люди за прошедшие десятилетия изменились радикально. И даже опыт «развитых стран» здесь не был большим подспорьем – ведь давно известно, что все то, что прекрасно работает где-нибудь в Германии или Японии, в России вдруг поворачивается какой-то совершенно неожиданной стороной. И ипотека здесь – далеко не исключение…

Понятно, что рядовому россиянину все хитросплетения норм, правил, законов и подзаконных актов, да еще и помноженных на извечное российское «если нельзя, но очень хочется – то-таки можно». И это еще без упоминания о том, что бизнес на недвижимости – не только один из самых криминализованных, но и смертельно опасный для потерпевших, и убивают здесь отнюдь не за 10 копеек...

Поэтому все-таки тому, кто решился на ипотеку, стоит помнить, что попытки сэкономить несколько тысяч рублей в надежде самостоятельно или с помощью знакомых решить все вопросы, оформить документы и так далее, ведут к потерям на порядки большим, чем возможная выгода. Есть вещи, которыми должны заниматься специалисты…

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