Almost in any bank today you can make a mortgage on the apartment. For many, it can become the only way to acquire an apartment, because the accumulation of money on housing is not so simple, but I'm not really real in the debt. The main condition for its production is the sufficient level of income from a potential borrower. We will try to tell you that you are waiting for the loan and what moments you need to pay special attention.
Who can get a mortgage on an apartment?
Not everyone will give a mortgage loan for the purchase of an apartment. Banks will agree to credit you only under the condition of complete compliance with the number of criteria. We will tell you in detail about each of them.
- Availability of citizenship. In each bank, the first thing that requires to provide is a passport. The main thing is that it is Russian, the mortgage for foreigners offers only a small number of domestic banks.
- Age. The issuance of a loan for the purchase of real estate in almost all banks provide citizens who have achieved 21 years. This is due to the fact that at such age a person is already, as a rule, has a constant stable income.
- Registration in the region. For the bank, an important nuance is that the property acquired property, the Bank and the registration of the client were located in one region.
- Seniority. Loans issue citizens who have continuous work experience at least six months, and even one year. If a citizen has no permanent job, it will indicate its instability, frivolity and conflict.
- Solvency. This rule is one of the most important, the borrower must receive a stable and sufficient income. If the bank employees are laughed in your ability to completely and return debt on time, then you will be offered to find a guarantor or coacher, well, or, in the worst case, refuse to issue mortgages to the apartment.
- Credit history. Data on the loans issued to you must necessarily enter the credit history. Therefore, bank employees will check you by contacting the Special Office. If you had any problems with debt payment or you did not pay off some kind of credit, then you will refuse to issue mortgages.
How to take a mortgage?
In different banks may vary the procedure for obtaining a loan, but in each of them you will have to go through 5 main stages:
- Representation of the documents necessary for registration of mortgage documents (documents necessary for the design of the transaction; documents on the object of real estate; documents on the borrower).
- Selection of apartments and its assessment.
- State registration of mortgages.
- Mortgage insurance.
- Conducting settlements with the seller.
How to make a mortgage and not stay without pants
What you have to gather a bunch of documents to enter into contracts, put an incredible number of signatures, it is clear and understandable to everyone. But there are still many pitfalls about which we are in a hurry to tell you so that you can avoid them in time.
- Impulsive choice. It is impossible to buy real estate on emotions and quickly. For promotions and discounts that advertise, no need to pay attention. Developers are not just so lured by buyers, conducting stocks, drawing advertising and taking you in stylish offices. All this can become dust in the eye before going to the developer to the office, examine the state of the market, read the forums, check the documents, make a rating.
- Quick conclusion of the transaction. Managers are often offered to make a contract, referring to a low price that can soon climb. When urgently need to solve important questions, the property of healthy to assess the situation somewhere disappears, so the buyer has great chances to conclude a disadvantageous deal. Watch not to be manipulated.
- Negligent attitude to documents. The most important and responsible stage is the signing of an agreement in which all the rules are prescribed, as well as the responsibility of the parties. The main thing is that the contract is mainly written that signing it, you immediately become everything. Check out the contract before signing, discuss all the questions that have arisen. You can discuss the contract and even change the conditions in it if something does not suit you.
- Calculate your capabilities. Before making a mortgage, spend training - try to live for three months, postpone the approximate amount of mortgage pay, so you can analyze your budget. So you not only check yourself, but also increase the initial fee.
Remember:
- Making a mortgage, appreciate your capabilities and needs. Not always that cheap is the most profitable.
- Do not hurry to make a mortgage in the first bank, take some time and effort on an independent search for several institutions to compare the best conditions for the mortgage.
- Transactions occur not in words, but on the papers. Read the contract carefully, put only under profitable and clear conditions.
If you were convinced of our capabilities, checked the bank and completely trust it, you can safely make a mortgage and equip your nest. But if you have any doubts about your solvency, it is better not to rush. If the bank does not inspire confidence, we advise you to spend time searching for another financial institution.
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