For registration of a consumer loan in Germany, it is necessary to have a residence permit, valid for the repayment of the loan and the current account. With a mortgage loan, things are different - even foreigners who are not having a residence permit can receive it.
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Well study the real estate market in Germany and consider in detail the suggestions you like. Foreigners can make a mortgage only on that real estate that brings income. This means that you can rent it for rent until you pay debt in full. In this case, the object should be located in a good area and comply with certain requirements.
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The credit period is approximately 10-15 years, and the initial contribution is about 30% of the total purchase cost. If you wish, you have the opportunity to change the terms of the transaction, besides, at any time you can put a house for sale. Before making a loan, we will throw everything thoroughly and think. Prior to the full repayment of the loan property, Germany will belong to the bank.
After that, you need to open an account in the selected bank. To do this, come to Germany with the package of the required documents. Try to find reliable guarantors. If you can not visit Germany yourself or do not know German, find a reliable consulting company that works with German banks. Such a service is quite expensive, so check in advance with the rates and select the most convenient option.
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Tell employees about our intention to get a loan for the purchase of real estate. The specialist will help you in everything to understand and advises the questions that have arisen. You will be asked to fill out the questionnaire, write a statement and prepare a list of specific documents.
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To get a loan in the German bank, you must confirm your solvency. You will be asked to provide information about wages and other types of income, as well as on payments and other obligations. There may be additional documents, such as family composition information.
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Note at what price you plan to lease purchased real estate. Thanks to this information, your monthly income will be defined. To obtain a loan, payments on it should not exceed 35%. During the week, you will receive an answer to the possibility of obtaining a loan.
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If you get a positive answer, you will be asked to come to Germany along with an intermediary for signing the contract and granting a loan. Learn a long-term visa. The basis for obtaining it may be a preliminary contract of sale.
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If at the moment you do not have the opportunity to leave, you can make a deal through the Ministry of Finance and the Central Bank of the Russian Federation. But note that in this case you will have to pay extra costs and the interest rate will increase, therefore it is preferable to choose the first option.
In the banks of Russia, the interest rate by 20% exceeds the rate in foreign financial organizations. In addition, housing prices abroad are very acceptable. For this reason, Russian citizens are increasingly thinking about obtaining a loan in foreign banks.
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