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. .