Analyze specific situations.

1. The increase in labor productivity by an additional 9% by 2015 can reduce the need for migrants by 85%. The need for migrants is conditioned not by demography, but by the unwillingness of entrepreneurs to pay a decent salary and the government's unwillingness to establish its minimum size at the level of 60-80% of the national average.
The country began to reproduce the poor with the simultaneous formation of a special subculture of poverty, which already covers 5 million Russians. 13% of the country's population (about 18 million people) has incomes below the subsistence minimum - 10 years ago the percentage was 2 times higher. More than 6 million Russian men do not express a desire to work.

2. According to StatBanker, the average weighted interest rate on mortgage loans in European countries entering the euro area is 4.5%. According to the Central Bank of Russia is 13.1%. In France, the weighted average% rate on the purchase of housing is 3.95%, in Germany - 4.6%. European countries on the availability of mortgage lending for Russians: - Mortgage for Russians is not available - part of eastern Europe (Montenegro, Romania), some countries in Western Europe (Switzerland). - formally mortgage is available, but real receipt is difficult, many refusals - Bulgaria, Austria, Italy, Great Britain - you can get a mortgage, but there are restrictions - Germany (it's easier to take on a property for rent), Czech Republic, Spain (no more than 300 thousand euro), France (the number of banks is minimal).

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