If a man shoots home and pays monthly landlord (that is, giving their money to return, reducing it his own welfare, working ‘at my uncle’ – homeowners which it leases), after obtaining credit, it also will give the bank a monthly basis commensurate with the rent amount is now working on themselves, investing their money in their future property, which is known to be not cheaper! – Payment service credit below the growth in property prices, so the actual recipient of a mortgage loses nothing – all the interest paid on the loan and part of the price (up to 1 million rubles) tax-deductible tax on personal income, however, is not worth it, not having read the text to run into the nearest bank office and arrange a mortgage ‘Eyes Wide Shut‘. To make an informed and thoughtful decision: where to take a mortgage, how much and under what conditions, should pay attention to (or better yet – to bring data into the tablet, to analyze the proposals of different banks) to Additional costs: – as accrued interest on the loan: the remaining amount of debt (unpaid credit) or to the entire amount of the debt entirely. It is – big difference! – What are the additional costs other than fees for credit for that still have to pay? For mortgage can be significant: the amount of commission for remittance, loan processing fees, insurance payments, etc. – Whether there is a possibility (and ‘spelled’ whether such a possibility in contract) early loan repayment..
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!