If you dream to purchase or build a house, but you cannot do this in connection with the lack of funds, use the mortgage lending program. Many banks willingly issue loans to solvent citizens. To get a loan, contact the bank with the required documents.
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If you have registration on the territory of the Russian Federation and official work with good income, there will be no problems in issuing a loan. Try to arrange the most profitable loan under the minimum interest rate. Note that you can issue a loan to the minimum percent, if you make a sufficient amount for the payment of the initial contribution. Interest rates fluctuate from about 12 to 15% per annum. At the time of repayment of debt obligations, your age should not exceed 65 years. Nevertheless, some financial organizations are ready to issue loans to borrowers whose age will not exceed 75 years at the time of repayment of the amount.
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Check out the proposals of some banks and select the most suitable option. Visit the websites of financial institutions, for example: www.sberbank.ru., www.rshb.ru., www.citibank.ru. etc. Check out suggestions. Most sites are placed by calculators - enter the cost of the object, credit period and the percentage of the initial contribution. The system itself will consider your monthly payment. When choosing a bank, pay attention to the list of required documents, the availability of additional payments, the possibility of early repayment and the size of fines. Calculate your strength. Monthly payments should not exceed 30% of the total family income.
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Most likely, in the selected bank you will be asked to provide the following documents: certificate of income, work contract and book, passport, registration in the territory of the Russian Federation, notarized the consent of the spouse, the passport of the owner of the housing, the ownership of it, the scheme and the characteristics of the premises. Entrepreneurs and legal entities must submit constituent documents. If you work unofficially, banks will offer you to fill out a certificate of income in a special form. Some organizations request a certificate from a narcologist and psychiatrist. You will be asked to write a statement. After that, the bank must decide on the possibility of issuing a loan. You will receive a notice.
If the bank decided to give you a loan, ask the consultant to provide a table of calculating its full cost. Note that you will have to pay for the Commissions, interest, renting a bank cell, real estate assessment, insurance premiums, etc. Another important point is to take a loan only in rubles. If you take a loan in another currency, when it falls in relation to the ruble, you will have to pay much more.
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If you decide to purchase housing, in a loan agreement of its address and owners in the loan agreement. Provided property will be a deposit. In order not to overpay for housing, talk with the appraiser. If you want to build a house, you will provide a loan only if there is an additional pledge or guarantors. Before signing a loan agreement, carefully read each item.
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If you have a difficult situation, contact your bank as soon as possible. Tell about your position. Many financial organizations go to meet customers, because difficulties happen to all. You may increase the loan period or transfer to quarterly payments.
Keep a loan agreement and payment schedule. Try to make the required amount in a timely manner. You can repay any part of the amount early (if allowed by the Bank). In this case, consultants will recalculate interest, and you will pay less.
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