How to take a mortgage

All young families dream of their own housing. But the savings for the purchase of real estate is usually lacking. Banks come to the rescue. Now take a mortgage to young people is not at all difficult. Mortgage loan is a sum of money provided by a financial institution for the purchase of a home or apartment. Note that real estate will be considered the property of a banking institution until the loan is repaid. Let's look at what sequence should you take a mortgage.

If the borrower has a decent salary, then there will be no problems with mortgage problems. Financial companies rarely denote such clients in providing mortgage loans. The credit consumption remains to choose where it is better to apply. To do this, you need to consider the most interesting mortgage proposals. You do not need to contact a well-known bank, for example: VTB 24, Sberbank of Russia, Gazprombank, Alfa Bank, you can and others ( Absolut Bank, MDM Bank). The main thing in the choice institutions - These are suitable lending conditions.

Collect the package of necessary paper to take a mortgage loan. It includes:

passport and its photocopy, if there is a wife, then her passport will be needed too;
certificate of marriage, its copy;
certificate of income from the place of work;
ciled photocopy labor;
if you changed the surname, the name, then the certificate will be required. confirming this fact;
application for mortgage loans.

Apply for a mortgage is allowed online or directly in the bank. The form of the application questionnaire each company is different, but the content is approximately the same. The client will need to introduce about themselves truthful information. Give answers to all questions, and something more information, the better the outcome. The bank is more willing gives mortgage loans to persons with detailed filled statements.

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If the lender approved your statement, you will have to pay for the service commissions, the issuance of mortgages, mandatory collection. To know how much your payments, the first installment and interest will be allowed mortgage calculatorFor example, as here on the site. Use it easy. Select credit period, fill in the fields: "Revenues", "Expenditures", "First Contribution", "Lending Size", the answer you will receive within 5 seconds.

Accommodation must be selected in the process of making mortgages. If you have a hint with this question, do not worry, you are allowed to look for 2 more real estate, and then 3 months, just no more. When you find, make an assessment of your favorite house or apartments. Submit documentation to the financial institution. You will be sent to the insurance agency to insure a housing. After which it remains to issue a contract purchase sale.

Really, count your strength when buying real estate. The bank will have to pay a mortgage anyway, give interest. Therefore, at first, we all thoroughly think about the accommodation prices. Take such apartments or houses that you can afford.