Do not have a certificate from tax? Then do not have illusions. Passers banks do not serve it. However, such programs do exist. Banks, and the truth declaring a mortgage without a down payment. But you need to take a consumer loan.
That is, the initial payment will still be. Vadim Belyaev might disagree with that approach. Only money is shifted from right to left pocket, and a much larger interest! C first glance, the difference is not obvious, but let's try to understand why the bank did not give a simple mortgage, without complicating the scheme, and not confuse the customer? How would say Dear Mr. rods: and let's try pozrit in the root. Why is all the banks rushed to issue mortgages? And why not so long ago, this mechanism worked with a large scratch. Consumer loans were given the banks themselves. They gave their money. AND risk themselves.
Mortgage is another matter! Mortgage loan itself is the subject of reliable collateral. And the banks were to use this mechanism on all cylinders. The bank issues a mortgage, and immediately under this loan, that is to your obligations perekreditovyvaetsya *** on the market of cheaper money. Your bank returns instantly. No risk, but still receives a percentage. However, the issue of lending is the bank itself acts as a street beggars. If he can not provide a convincing argument that you are creditworthy, then the security of your mortgage no one will give the bank money. What lending rules and regulations – is a closely guarded secret, but it seems that for those who will perekreditovyvat bank also needs serious guarantees. But such guarantees reliability of your loan is just the first installment! And you want to issue a bank loan without a down payment, but nemozhetsya – on such borrowers like you, it does not perekredituyut!. And then the risks will be responsible for yourself. What a banker in his right mind would agree to that!? But oh, how to get protsentiki want … Here and came to the aid of a cunning Mortgage and consumer shemka. The Bank issues potrebitelstky credit. You pay for his rabid interest. But in one window. Then the money will go to another window in which no one asks about the history of their origin. And so, according to the documents you no longer a bum off the street, but quite respectable man, who was able to save money, and therefore able to give all the rest. That means it can take an apartment on credit. Bank knows the price of your respectability, but whether it will be recorded in the mortgage agreement? In that agreement, under which the Bank in the interbank borrowing can get perekreditovku? The outcome for the bank just wonderful. Not only that, he gets to you interest on the mortgage. Moreover, it removes the risks. Not only did he quickly returns his money and then lets them in turn. The Bank also "inscribes" you into an expensive consumer credit, from which the additional cuts interest. And yet, in all honesty, it is still the bank is no risk. Remains the most reliable guarantee of your home. Which is easy to sell if you can not bear the weight of mortgage and consumer loans. We wrong? Then why the bank needs is a curve diagram? Why would a bank do not give a direct and simple mortgage. Without it, no down payment. Huh? Article from Satya: Mortgage without down payment
Do not rely on special cheapest: buy a flat, to example, in the five-storey, you are unlikely to come out – did not agree with the bank to which the planned demolition of the house (by the resettlement program) will create a lot of additional problems with the re-issuance of credit. 4. Sign your NEGLECT loan agreement only after a thorough review of its content, find out all of its rights and obligations. Particular attention should be paid to the conditions of early redemption, a system of penalties for late next payment cases in which the bank can demand immediate repayment, the possibility of revision of rates and other important "stuff". Ideal – show a good contract lawyer. 5. Forgetfulness Avoid make monthly payments on the loan without delay.
For each day of delay penalty is charged (0,2 – 0,5% of the amount of missed payments). And with regular delays, even minor (for example, a couple of days three times a year) the bank may demand early repayment in full. In addition, accuracy in making the monthly payments you create a reputation that in the future can do a good job – when there really serious problems the bank likely will meet disciplined borrower. 6. Avarice Borrowers with experience advise beginners always keep in reserve 2,000 – 3,000 dollars. Mortgage is full of surprises – it is possible that the bank after the conclusion of the contract strongly recommend you to use a particular appraiser or insurer, though prices of these companies will certainly be very different from the average. Possible and surprises from the realtor, so do not expect all the butt, be sure to leave a "strategic" reserve. 7. Haste attractive at first glance, the conditions of mortgage programs, on closer examination may be not so beneficial to the borrower. Declaring a lower interest rate, banks often compensate for "lost profits" through a variety of additional fees (for example: payment for the provision of credit, Commission for maintaining accounts, etc.) Also, keep in mind that the percentage of the loan under a gray salary will probably be higher than the minimum specified in the advertisement …
If it is possible, and it does not provide for penalties (and perhaps because – carefully read the contract) – a chance to save on interest by returning to the bank of the debt ahead of schedule. Now, if the decision to get a mortgage was strong enough, let's talk about the mortgage conditions. Of course, it's general conditions, each bank can change them or add to it. So: – the credit is granted and repayable in rubles – the term of the loan – from 1 year to 27 years old – loan repayment – monthly payments in equal amounts, which include: repayment of principal on the loan, interest on loan other charges. The borrower pays the same amount each month, order and size of payments recorded in the loan agreement – now the percentage of the mortgage is 14% per annum in rubles. Early repayment credit is usually allowed after the expiration of six months after the date of the loan – the borrower can be any able-bodied citizen of Russia in age from 18 to 60 years – credit available for purchase a separate apartment in a house or a detached dwelling house (interestingly, as a loan to buy a house on the ruble – is possible?) – collateral – collateral apartment, purchased on credit facilities. Size given credit usually does not exceed 70% of the evaluation of purchased housing or the purchase price of the apartment – for mortgage loan the borrower must have a steady source of income. .
Last curse in China sounds so: "that you work in a time period of change." Indeed whether you can take this kind of desire to curse, to speak in confidence today is difficult. It is no secret that we do not naturally functioning in an era of change, we have not seen any other time. We have not seen what it is – when change is not happening. On our memory of these changes were already so many that are not counted: the public crisis of the USSR then the financial problems in 1993, today that's the world economic crisis. Appears that the changes are part of our destiny, its essential element. As far as this statement is true, the story show. And in this case is now required as the frogs of the parable, fell into a pail of milk, not to go to the bottom, stirring rapidly to a piece of oil has become the reference point in life, no really survive. Today significant of the most fundamental elements of the fate of modern man gets access to the necessary and correct common information component.
As the financial crisis as it is impossible relevant, even when the economic situation stabilizes, it is still vitally important to study the situation in a timely and professional manner. For these purposes, information is needed constantly. Only World Wide Web at exchange of such information component – how can more quickly transmitted and professional – can help, better than any other media. A variety of textual component will help to learn how to critically refer to the entire flow of information in order to denote not just the principal and secondary, but often significant and not always. And it is in the global network is easier to find a mortgage questions and answers, and of course forecasts for some other questions especially if they are often not strictly professional independently to find the answer not in a position, but also present and these factors do not have all the chances. Expert assistance in the field of credit policy, and equal to the remaining elements of the consultancy work, tangible way. And tomorrow will be yours!