Magister of Management Kosymbayeva Sh. I.
Caspian State of the Technology and Engineering after
SH.Yesenov.
Republic of Kazakhstan. Aktau.
GOVERNMENT REGULATION OF HOUSING SPHERE IN THE MANGYSTAU REGION.
At present construction
is – most intensive evolutionary branch of region economics. One of the main
directions is – solution to the problem of the government program of housing
construction. The program is financed from the several sources: the part of
means with help to transfer set the republic budget to passing for region; the
part of houses to construct for account of employers and investors.[1]
Third, the main
part of extents of construction is - saving of people, which decided to improve
conditions of life. They build houses for themselves, to participating in joint
construction.
In
January-December of 2009 20 839,3 mln.tenge
were directed into the housing construction, that for 41,6% fewer
than in January-December of 2008. In bulk of investments to the basic
stock, the lot of amount drawn down to construction composed 7,5%.
There
are developed careers of basic construction material stone and granular
material in the region.
The
most part of construction materials (cement, armature, glassworks, bitumen, coating
composition and building finishes) to deliver from other cities, that significantly
affects the cost of houses.
According to the program of development
housing construction on 2008 – 2010, lead role in renewal to the housing fund
of republic, leaded to mortgage.
The
citizens of the Mangystau region for acquisition of lending house don’t use the
system of housing saving, because the region has favorable conditions for
mortgage lending.
In
accord with plane working partnership to administration of Republic of
Kazakhstan, National bank of Republic of Kazakhstan and Agency of Republic of
Kazakhstan on regular and supervision of finance market, and finance organizations
on stabilization of economics and finance system on 2009-2010, accept and realizing,
the plane of primary efforts for securing of stabilizations social-economic development
of Mangystau region on 2009-2010. [2]
At
present-day the banking system of Mangystau region counts 26 filial branches of
second level bank, on the region territory not any independent bank.
The
past five years to show about slow development the banking system of region,
what is to promote additive effect there are few factors how:
-
increase in production in all branches
of economics;
-
government aid of villager;
-
help and development of small enterprise;
-
Increase of income of people.
The influence of
these factors creates an environment that promotes the sustainable functioning
of the banking sector and its interaction with the real economy. The use of region’s economy of bank loans as a source
of funding is confirmed by positive dynamics of lending to the second level
banks.
The past four years observe upturn creation
of credit in Mangystau region, only in 2009 were several lowering creation of mortgage
credit that refer influence of financial crisis.
Picture 1. Distribution
mortgage loan in Mangystau region.
The picture 1 testifies
to in 2009 observe slowing upturn of mortgage loan. Then in 2008 get 31321 mln.
tenge, that on 2138 mln.tenge upwards of in 2007. In 2009 distribution mortgage
loan reduced on 318 mln.tenge and composed 31003 mln.tenge toward entry 2010.[3]
In
such a way, for slowing upturn temps intervene several slowing distribution
mortgage loan in Mangystau region.
The Mangystau region mortgage loan market
development of housing mortgage curbing with next basic factors:
1) Scant
responsible slump of people.
2) Low extent and draft quality of housing construction in
Republic of Kazakhstan condition insufficiency
offer and high cost of flats on the housing market.
The hasty growth of
price, scant extent of housing construction, strengthening of investment slump
on residential real estate aid that at present many banks in big cities in
practice competes only for the smattering responsible clients.
3) Low temp make and perfection laws
lawmaking about capital facilities.
4) Undeveloped substructure of housing market
and housing construction.
5) Heavy deficit of long-term resources
financing from region bank.
6) Psychology factors mainly where of
are national featuring most of our people - unwillingness to live indebted.
List of used literature.
1) Sultanov E. Investments in future
of Mangystau region //http://www.zakon.kz.
2) Hamiev T. About action realize the Government
program of development housing construction // Web site of Mangystau region.
3) Social-
economical development of Mangystau region. Statistical yearbook under the
editorship Sh.R. Shakabayeva.- Aktau, 2010. – 370 p.