Mortgage loan should be relatively comfortable, it should not much exceed the cost of renting similar accommodation. Where are contact? Which bank? How do I know which loan is better? There is also no need to hurry. Programs that offer banks a lot, and they are all different. To date, interest on loans in rubles is 10%. Since last year, the opportunity to take a loan from the so-called floating interest rate. Many it is scary, but it is worth understanding.
There are also specific factors as salary "envelope" should be understood that the bank this additional risk, and if additional documents should not be upset. The bank is interested in granting you a mortgage, but it requires repayment of the loan guarantees. Questions mass, how long to take the credit, which requires an initial payment, whether in the future to use the maternity capital, and whether banks are taking it to cash in if I close the loan earlier than scheduled, and that if I am fired or lose my ability to work and not I can pay, etc. etc. An experienced specialist will answer all these questions and to offer the most convenient program.
There still remains a difficult moment – real estate search. Immediately comes disappointment. Prices have, on a CMS high! The reason for this is the low number of proposals for affordable housing. Yes, yes, affordable housing! Prices disproportionately high in general throughout the region. The market is overloaded expensive elite housing, but low-cost, quality housing is very small. In Russia, in large cities, implementing a program "apartment at the price of the machine," but when it comes to us nobody knows, or rather, no one knows who will be able to implement it with all the specifics of our region, the value of land and the cost of summarizing communications, etc. So today we have to choose from that are. What, I'm sorry, we have, we have … It is important that the housing needs of people in line and was liquid. Only by making regular, deliberate steps the issue of housing will be a real and feasible for each household. Company CMS Alliance