Where and how is it advantageous to take a mortgage: a step-by-step instruction, the necessary documents and reviews

Экономическая ситуация последних десятилетий leaves much to be desired. Due to the lack of well-paid jobs, many families do not have the opportunity to purchase their own housing. Some decide to save for an apartment for years, while renting a house, while others turn for help to the bank. How profitable to take a mortgage? First of all, it is worth exploring the offers of popular financial institutions.

What is a mortgage

Many construction firms today collaborate withcommercial banks and other popular financial institutions. Such interaction is beneficial for both parties. Housing on credit is an opportunity to conclude a deal both for the developer and for the bank. The client himself wins, who, without having a large amount, can move into the housing acquired under the loan.

Mortgage is a type of lending.The main condition for this is the registration of real estate, which is purchased under the contract, on bail. This is an additional insurance for all parties to the transaction. If a client cannot repay a loan for a number of reasons, the housing becomes the property of the bank. In the end, no one owes anyone. What is more profitable to take a mortgage or loan? The latter option is more acceptable when it comes to purchasing an apartment or house.

What nuances you need to know

Any loan is a debt obligation.Therefore, before you enter into an agreement with a financial institution, it is worth exploring its terms. First of all, it is worth paying attention to the interest rate, to study the issue of the presence of hidden fees. These indicators will primarily affect the amount of overpayment on the loan. What is more profitable to take a mortgage? It is worth paying attention to those offers that suggest the possibility of early repayment of debt without penalties.

Special attention should be paid to the choicethe bank with which the deal will be made later. It is advantageous to take a mortgage to a young family in Sberbank. Conditions will be described below. In general, it is undesirable to enter into an agreement with a financial institution that has been operating in the market for less than 5 years.

Another important point worth payingattention - the total family income. It is not possible to take a secured loan if the expected minimum payment under the contract exceeds 40% of this indicator.

Sberbank

Это финансовое учреждение сегодня является leader in mortgage lending. According to the terms of the bank, it is possible to purchase real estate both in the finished house and at the construction stage. How profitable to take a mortgage? It is worth paying attention to the proposals with state support. Positive is the fact that the transaction is in rubles. Therefore, the overpayment on the loan will not be tied to the foreign exchange rate.

Any citizen can become a bank customer.Russia, over the age of 21 years. The contract can be concluded for a period of 1 to 30 years. It should be borne in mind that the longer the client owes the bank, the greater the overpayment will be. At the same time, with a short loan period, the minimum monthly payment will be greater. The annual interest rate on the loan - 11.4%. A prerequisite is a down payment of at least 20% of the total value of the property. How profitable to take a mortgage in the "Sberbank"? Increase the amount of the advance payment!

Tinkoff Bank

Тем, кого интересует, какую ипотеку выгоднее take, it is worth paying attention to the proposal of this financial institution. The fact is that Tinkoff Bank offers an annual interest rate on a loan of 10.5%. The loan term is the same as in the previous case - 30 years. There are no hidden fees. An adult client can conclude a deal for the purchase of housing, not only in the primary, but also in the secondary market.

Tinkoff Bank has convenient online support.Everyone can register their data at home and submit a loan application. If the financial institution approves the request, all that remains is to collect the necessary package of documents and go to the nearest office of the bank to sign the contract. In addition, the official website has a convenient loan calculator that allows you to pre-calculate how profitable to take a mortgage.

"Opening"

Financial institutions is relativelyyoung. Despite this, the number of customers is only increasing due to favorable credit conditions. Overpayment under the contract will directly depend on the initial payment. What is more profitable to take a mortgage to a young family? The most attractive are transactions relating to apartments in new buildings. The financial institution offers a rate of 11.3%. The amount of the advance must be at least 20%. The cost of housing can not exceed 8 million rubles.

Those who want to buy an apartment on the secondarythe market will be able to conclude an agreement with a rate of 12.75%. In this case, the initial payment should already be at the level of 30%. The maximum loan term is 30 years. Maternity capital can be used as a down payment.

On the website of the bank, you can also make an application for mortgage lending or calculate the estimated costs.

Trans Capital Bank

If to study the question of which bank is profitableto take a mortgage, reviews of Muscovites show that Trans Capital Bank offers the most attractive conditions. Anyone can buy property in the residential complex "Uspensky Quarter" just under 8% per annum. Single minus - a short term loan. Mortgage can be issued only for 8 years. Such an offer will be convenient for people with high wages.

Trans Capital Bank offers to purchasereal estate in the secondary market at 11.9% per annum. The loan term is 25 years. The maximum amount of the transaction - 20 million rubles. The down payment should not be less than 20% of the mortgage value of the property. Reviews show that at any stage it is possible to repay the debt ahead of schedule without penalties.

The financial institution provides for the use of maternity capital as a down payment. In this case, the advance must be paid within 3 months from the date of the transaction.

Promsvyazbank

This financial institution today offersthe most favorable credit conditions, if you believe reviews. In order to conclude a deal, the client must submit data on the official place of work, the period of stay for which can not be less than 4 months. How profitable to take a mortgage on an apartment? All you need to do is to apply with a passport of a citizen of the Russian Federation, as well as an identification code to the nearest branch of the bank. The lowest rate (5.99%) will be offered to those who want to buy housing in the new building. Mandatory condition - the age of the borrower at the time of the conclusion of the contract 21 years. Such a low interest rate is offered only to those customers who have been serviced at Promsvyazbank for more than a year.

Customers who first seek help infinancial institution will be offered a rate of 11.4% per annum, subject to the purchase of an apartment in the primary market and 12%, subject to the purchase of housing in the secondary market. The maximum loan term is 25 years.

Russian Agricultural Bank

The conditions of this lending institution cannot becall the most profitable. At the same time, the bank ranks fourth in terms of reliability, according to data provided by the Central Bank. The rate on mortgage lending depends on the advance payment made by the client. So if you pay more than 50% of the original value of the property, the annual percentage will be at the level of 11.5. The minimum advance payment on the terms of the bank is 10%. In this case, the annual rate will be at the level of 12.9%. The maximum loan term is 30 years. The transaction can be concluded for a total amount of 20 million rubles.

How profitable to take a mortgage?Reviews show that, in addition to paying an impressive advance, you will also need to confirm your income. The bank carefully evaluates the solvency of customers. A financial institution may consider a request for a mortgage transaction up to 5 business days.

Where and how it is profitable to take a mortgage: step by step instructions

Those who decided to purchase housing on credit will have to act according to the following scenario:

1. Examine the proposals of popular financial institutions, choose the most suitable option.
2. Send a preliminary online request to the selected bank.
3. If yes, collect the necessarypackage of documents. Compulsory include: a passport of a citizen of the Russian Federation, an identification code, a military ID if available, a certificate of marital status (children), an income certificate for the last 6 months.
4. With a package of documents come at the appointed time to the bank and conclude a mortgage agreement.

Additionally, the financial institution will requiredocuments relating to the property that is a pledge. In addition, the bank may request data on the income of other family members. The higher the total income, the greater the likelihood that the bank will give a positive answer.

Mortgage can be profitable for those who are confident in the future. In the absence of stability to enter into an agreement with a financial institution is not worth it.