The consulting firm Fidelity Consulting claims that the government "continues to mislead the citizens" or prepares them for "one of the biggest robberies that Montenegro has seen" with the program to solve the housing needs of citizens under favorable conditions, called Velje brdo.
They state that on the project, which Prime Minister Milojko Spajić and the Minister of Spatial Planning, Urbanism and State Property, Slaven Radunović presented yesterday, someone "will be 'more' good 216 million euros in 30 years, 7,2 million euros per year or 19.726 euros per day".
"After the recent promise of a state-owned enterprise for the delivery of groceries to citizens, seven days before the elections in Podgorica, an even crazier promise arrives - the prime minister promises to build 10.000 apartments, at an average price of 1.000 euros per square meter, with a repayment term of 360 months, an interest rate of 1,2 percent and a monthly installment of 390 euros for an apartment of 100 square meters and 290 euros for an apartment of 60 square meters. one day it will simply be deleted," said Fidelity Consulting's Facebook post.
They responsibly claim that one of the following two things is at stake in the Velje brdo project.
"Monthly installments, if you forgive me, were put together in a hurry and there is no analysis or meaningful calculation behind them, and as such they represent another gross deception of the citizens (a sign of desperation before the Podgorica elections). Robbery of over 200 million euros of citizens' money through increased monthly payments installments", Fidelity stated.
Using the presented examples, they calculated how much apartments of 100 and 60 square meters will cost citizens in the end.
"For an apartment of 100 m2 you pay 390 euros per month, which gives a total of 140.400 for 30 years or 1.404 euros per square meter (140.400 / 100 square meters = 1.404 euros per m2). For an apartment of 60 m2 you pay 290 euros per month, which gives a total of 104.400 euros for 30 year or 1.740 euros per square meter (104.400 / 60 square meters = 1.740 euros per square meter). In other words, an apartment does not cost 2 euros per square meter, but it costs 1.000 euros per square meter for an apartment of 2 square meters or 1.404 euros per square meter for an apartment of 2 square meters. After 100 years, for a smaller apartment of 1.740m2, you will pay about 60 euros more per square meter than for an apartment of 30m60".
If Fidelitija adds that everything becomes more interesting when the interest rate of 1,2% per year is included in the calculation.
"Pay attention to what the geniuses did: after 30 years, you will pay 60 euros in interest for a 2 m44.400 apartment, and 100 euros in interest for a 2 m40.400 apartment. You saw it right: the characters came up with a way to pay less interest for a larger 100 m2 apartment than for a smaller apartment of 60m2, although in both cases - the interest rate is the same", said Fidelity.
They add that after defining the term average minimum wage and the famous calculator that was deleted from the PES website, "geniuses came up with a new, never-before-seen economic pearl that you pay more interest for a smaller apartment than for a larger apartment, even though the interest rate is the same in both cases." .
"Remember, these people lead the economic policy of the state and tell you that pensions, salaries and social benefits are safe. But that's not all, now comes the strongest part concerning the robbery of citizens of over 200 million euros. They said that the interest will amount to 1,2 ,100.000%, so please take a look at the picture below. When you enter the principal amount of 360 euros, the repayment term of 1,2 months and the interest rate of 330 percent, you get that the monthly installment is about 390 and not 60 euros , as they presented to us today. The difference is a whole XNUMX euros per month, which are being robbed from citizens," say Fideliti.
They point out that the situation is "even worse" when you enter the amount for an apartment of 60 square meters (60.000 euros), a repayment term of 360 months and an interest rate of 1,2 percent.
"In that case, the monthly installment is 199 euros or 90 euros less than the proposed 290 euros (robbery of citizens in the amount of 90 euros per month). After the proven robbery of citizens who will participate in this project, we ask the question of all questions: if we take the above difference in an installment of 60 euros for an apartment of 100m2, to whom does this difference of 60 euros per month go for the next 360 months (21.600 euros per apartment)? which will be built: you get a figure that someone in this project will be good for 21.600 million euros in 30 years, 21.600 million euros a year or 10.000 euros at the end of the saga? These people simply continue to deceive the citizens or they are preparing one of the biggest robberies that Montenegro has seen. After all, judge for yourself soon...", Fideliti concluded
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