According to experts, in 2012 significantly increased the demand for Swiss real estate, which will continue to grow, and therefore the price of it, too, will seek up.

Over the past few years in Switzerland, in contrast to other countries in Europe, today is a construction boom. Political stability and economic growth contribute to the development of real estate market. It is worth noting that, among other positive factors, experts say that the strong local currency exchange rate, as well as the availability of mortgage keeps interest rates at a level below 3%. Today, much of Europe had to reduce their costs, and Switzerland, while continuing to implement the ambitious projects. Recently, in the western part of Zurich was erected Prime Tower, which is to turn a 126-meter skyscraper office have glass walls, according to experts - a new landmark of the city, tourists will certainly be interested in, and greatly increase the number of trips to Switzerland. At the moment, Prime Tower - the tallest building in the country, but in 2015, this record will be broken, because before that time will be built big giant Roche Holding (175 meters), which completes the construction of new headquarters in Basel.
Since 2008 the annual increase in prices for Swiss apartments, houses and commercial areas was equal to the amount of 2 to 3%. Quickly began to go up real estate in financial centers, for example, in Zurich. In this city of thousands of foreigners had to purchase a house, then opened their own stores here, and got a job in the IT-companies and local banks. The high cost of real estate occurs mainly in regions that have a benign tax regime - is in Lausanne, Zug, and Geneva. These places continue to enjoy great popularity among wealthy foreign investors who buy this house for them at low prices.
For example, in 2009 the daughter of Kazakh President Nursultan Nazarbayev, on Lake Geneva has bought a villa for 74.4 million Swiss francs (61.7 million euros).
Most experts, they include representatives of the Swiss National Bank
Many experts, including representatives of the Organization for Economic Cooperation and Development (OECD) and the Swiss National Bank believe that the rapid appreciation of real estate is a sign of inflated "bubble" that may soon burst. Saputelli Claudio, who is the head of the department engaged in the study of global real estate market in the Swiss bank UBS said - "Today, the Swiss real estate market can not be called a safe haven, because in this situation can happen anywhere." The expert forecast was that prices in 2012 for private houses and apartments will increase significantly by as much as 4%, then the market may become unbalanced due to low mortgage rates, optimistic investors, as well as the lack of alternative methods of providing investment funds.
Despite fears that are associated with the emergence of "bubble", investors from Europe suggest that Switzerland is one of the priority areas on the same continent. Therefore, we must continually invest in real estate of the country, it will help protect the capital from the instability that now rages, as the river is unstable in the euro area tends to get out of their coasts.
Experts do not believe that the rise of real estate in this market downturn threatens to Switzerland, and in turn there will be a marked improvement in the financial situation of the country.

Banks included in the top 10 banks are going to begin to build market share.

To date, major financial institutions of the country set about building up its stake in the assets of the banking system. Market participants before the end of 2012, expect that the concentration of assets in the hands of the banks included in the Top 10 can be significantly increased. As stated, "Economic News", that "Since the beginning of 2012 the banking system of Ukraine will continue the process of concentration of assets in the country's major banks." "Loans of banks of Ukraine as of 2011 rose 10%, while the assets, the popular Private Bank significantly increased by 21%." Analyst at Concorde Capital reported that "This trend will continue to move forward and will not change its direction in the current year." According to the analyst, a marked increase in bank assets as of the current year amounted to about 5%, so they will begin to grow much faster than the big banks, including domestic.
Based on the predictions of the expert Concorde Capital, a year banking assets will grow by 3-4%. It should be noted that not all bankers confirm this prediction.
According to Dmitry Sologub, who is head of analysis and research of Raiffeisen Bank Aval, that "the fate of the ten largest banks with total assets of the banking system kept near a mark of 50% for several years, so the report increases concentration, which affected the banking system, 2012 does not have to. "
According to Dmitry Sologub, trends, 2010-2011. survived to the present day, this is due to the slow growth of foreign banks in Ukraine.
Financiers rendered an opinion that today the best prospects for growth assets have exactly the Ukrainian banks are in the top 10 as well as it concerns the Russian financial institutions, which at the moment began to develop rapidly.

Central Bank will introduce continuous monitoring of the largest banks

Central Bank of Russia will closely monitor the financial sector. At the end of March this year the Central Bank of Russia has approved a new plan for monitoring the financial organizations and institutions. An article on this appeared in the newspaper Kommersant last week.

The main innovation is the ability to correct financial institution failures found during testing, until completion of verification activities. If verification of what - or the organization will be found a violation or defect, it can be corrected until the audit is completed in other areas of the company.

This measure is designed to increase the quality and efficiency of banks. Appropriate level of control will be installed in more than two hundred financial institutions. Also in the near future will be developed and adopted a new bill that would limit the amount of contributions from individuals. This measure should help reduce the risk on deposits. Also, it should increase the degree of responsibility of the bank to depositors

There is a growing demand for real estate outside the city limits

As can be seen from the reports of experts, practitioners in real estate, recently substantially increased demand for property in the so-called elite settlements.
But the demand for elite settlements have always been quite high among the population and it is quite stable and sellers of real estate outside the city limits could not complain about its absence, but lately there has been a more serious trend to increase it.A growing number of urban residents who are in the segment that can afford to buy real estate in the exclusive village prefer to take advantage of this opportunity. As in the west, over time, the Russians, but mostly residents of large cities have come to believe that living in a quiet and cozy place in close proximity to the city limits, but outside it is much more pleasant and convenient.Even the prices are, frankly, still quite acceptable and quite a large percentage of the population can afford to buy real estate in the exclusive village. But as the time factor, the price of such real estate is constantly growing and growing quite rapidly and confident, even if today they are more or less accessible to a larger population, then their growth is permanent can significantly reduce purchasing power. But it will not be upset those lucky owners of their own real estate in the exclusive village, who had to buy it at the time.