How many in our country defrauded investors — that precisely nobody knows. According to expert estimates, from 180 to 200 thousand people.
their troubles in different ways profit from a lot of people — including government. While the number of defrauded investors continues to grow.
From 180 to 200 thousand people — the population of large cities. Such as Novorossiysk, Vladivostok, Yakutsk, Petropavlovsk-Kamchatskiy.
If all of the affected holders to gather in one place, you get a big city. The city deceived the people.
According to official data, today in this “city” is listed 3061 unfinished house became the common grave of shareholders money. But in fact such houses even more, because not all of them are included in the Unified register problem objects.
the State constantly tried and continues to try to regulate relations between citizens and developers so that they did not come from legal channels.
In 2004 there was adopted the Federal law “On participation in shared construction of apartment buildings and other real estate objects”.
He, however, was imperfect, and from 2006 to 2019 has been introduced 26 changes.
All changes were aimed at creating instruments for the protection of participants of shared construction. In particular, there was introduced the mechanism of insurance of civil liability of developers and created a non-profit organization “Fund of protection of the rights of citizens — participants of share building”.
Last winter the audit chamber has checked how these tools worked. The report is published today on the Agency’s website.
“Despite the measures taken, the number of defrauded investors increased”, say the auditors. Developers continued to collect investors money and go bankrupt or just disappear with all the money in an unknown direction.
the Idea with liability insurance failed due to the fact that real estate investors was almost impossible to get insurance.
In the period from 2017 to 2019, the insurance company paid only 5% of the total insurance premium. “The reason for the low level of insurance payments under insurance contracts are the features of current legislation in protecting the rights of investors”, — auditors noted.
without going into detail, we state their conclusion in brief: first investors deceived developers, and then the insurers.
Last summer, insurers were required to list all of the insurance premium to the Fund for the protection of the rights of shareholders.
As found by the auditors, on January 1, 2020, they have listed only 2.7 billion rubles. Another 4.5 billion would come from “Respect”, but in may last year, the Central Bank was deprived of its license. This was done because the Central Bank noted “the attempts of the beneficiaries of the company to get customers ‘money” — that is just fear��new award designed to compensate the shareholders.
In January, the court ruled that “Respekt” bankrupt and opened bankruptcy proceedings. But what is there in the end really run from insurance is unknown. Maybe nothing.
About the Fund for the protection of rights of investors, too, have a funny story.
In the years 2017-2019 capital Fund was formed from contributions from developers and from property contributions of the Russian Federation and regional budgets. And by 2019, the property contribution of the Russian Federation has already exceeded 62% of the total funds of the Fund.
that was spent that money?
As found by the auditors, 86,6% of total spending in 2019 was the cost of remuneration of the staff of the Fund.
Average monthly salary in the Fund in 2017 was 372,9 thousand rubles.
In 2018 422,7 thousand rubles.
In 2019 — 219,2 thousand (338,9 thousand employees of the Moscow units and, for example, 61.2 thousand roubles, — employees of branch in Voronezh).
“From 2017 to 2019 the average wage of employees of the Foundation in Moscow exceeded the average wage in Russia — 9.5, 9.7 and 7.1 times, in Moscow — 5.1, 5 and 3, 6 times”.
in addition to wages to employees of the Fund provided services of voluntary medical insurance and reimburse the expenses on sports activities.
did they also sport the problems defrauded real estate investors? It’s not like. Because the number of defrauded investors, as noted above, all these years continued to grow.
Calling a spade a spade, we can say that the Fund is likely to do the same, what did the developers and insurers. Profited from deceived investors. Despite the fact that it was created to protect their rights.
Usually defrauded investors compared to Pinocchio, presumptuous your money on the Field of miracles, where the same night they dug up the cat Basilio and Fox Alice.
But the state is trying to close the Field of miracles from fraud and reimburse losses to unsuspecting investors, reminiscent of Pinocchio, no less.
whatever laws it takes, whatever the actors, all the venture end up being implemented Alice Fox and cat Basilio.
it is Unclear how it turns out. But the fact that it turns always the only way.
Now share building is carried out in 80 subjects of the Russian Federation: 10 324 built apartment buildings.
Many of these houses can also be the registry problem objects and real estate investors to fill the “city of the deceived people.”
According to the audit chamber, “there is a risk of a further increase in the number of problem assets and, accordingly, the number of defrauded investors” because of the unfavourable socio-economic situation caused by the pandemic, leading to the bankruptcy of small and medium business, which mainly operates in the sphere of shared construction.