Where and how to take a mortgage in Chelyabinsk - features and recommendations

To date, the main problem of a young family is the acquisition of their own apartment. It's really difficult. If relatives have no opportunity to help young people, then they will have to borrow from banks with high interest rates. Despite all state programs, repayment of a large loan is not enough for every family. Difficulties arise at the design stage. Banks try to minimize their risks, so they arrange various checks on the data provided. Today we will talk about how to take a mortgage in Chelyabinsk, what problems can arise and what needs to be prepared.

Offers for help

Today they can be seen almost everywhere: "I'll help you get a loan," "I'll issue a mortgage for a small reward," and the like. But you need to realize that no one will take unnecessary risks. The purpose of such ads is to collect a commission for "help." Let it be 500 or 1000 rubles, but such intermediaries are not responsible for anything, because they place the application in the bank, which, in turn, will give the final answer. With the same success you can make a request to the bank and yourself. But since it is not too easy to take a mortgage in Chelyabinsk, people decide to be reinsured and pay for the service to "professionals".

Loan programs - do they work?

Undoubtedly, every day transactions are made and people enter new housing. Another thing is that the verification of the client's data is very thorough. But there are also risks for the bank. The financial institution must give out about two to five million rubles, and then wait twenty years to return this amount. And if a person in a few years is seriously ill and loses in connection with this work? And the apartment spelled out small children? Will the bank be able to realize this apartment, which is a pledge property, or will it take many years to conduct litigation with the client? All these risks result in high interest rates. That is, the payers also cover the losses incurred by the bank in such cases.

Conditions of banks

Today we want to understand how to take a mortgage in Chelyabinsk. Every year more than 20 thousand housing loans are issued in the region. At the same time, such programs are offered by 20 banks. Leaders are "Sberbank of Russia" and "VTB 24". Apart from them, the banks "Otkrytiye", "UniCredit", "MDM Bank", "Rosbank", "Alfa-Bank", etc. are working in this segment. From regional - "Chelyabinvestbank", "UralPromBank" and "Uglemetbank".

However, the conditions are rather strict. The rates reach 22.4% per annum for ruble loans and 12% for foreign currency loans. In this case, the rate directly depends on how much the client was able to convince the bank of its solvency. Therefore, if you are thinking how to take a mortgage in Chelyabinsk, you need to talk with the employer so that taxes are paid from the entire amount of wages. In addition, open a deposit in the selected bank and start deducting a certain amount each month. Approximately one year later you will have confirmation of solvency. Participants of salary projects, as well as borrowers who have an amount of at least 30% of the value of the facility, can count on a low interest rate.

Primary requirements

Not everyone has time to settle issues with the employer and save money on the deposit. How to take a mortgage in Chelyabinsk faster? To do this, you must have something in your property that the bank can take as collateral. For example, you have a small apartment. The bank can take documents for it as a security and give money to buy another. Or you need to have a down payment. The bigger it is, the easier it will be to make a deal. A certificate granting the right to maternity capital can also be used as an initial contribution. There are other government subsidies that are accepted by banking institutions. For example, there is a special program for military personnel.

If you do not have any of the above, then try to provide documents confirming solid work experience in one organization and a high official salary. In this case, the chances for consideration of your application are falling, but they are preserved. And if the listed cases do not apply to you, and there is not enough money on hand to pay the initial installment, then you can not spend money on trips to banks - the answer will be negative.

We calculate the monthly payment

Be sure to evaluate your capabilities. For this, there are special calculators that will allow you to estimate how much you will get a mortgage in Chelyabinsk. The bank manager can also calculate interest rates for free. If you take 2 million rubles for five years, then the monthly payment will be 45,000 rubles. This is if we talk about the lowest interest rate, that is, 12%. Stretching payments for 10 years, you get a more attractive amount, namely 28,000 rubles. Then you will lose a lot because of overpayment. For example, taking a loan for 20 years, you will pay only 6000 per month less, but give twice as much.

What to do for a young family

So, if you doubt that the application will be approved, then try to save some money. Yes, it is difficult, especially when renting an apartment. You can temporarily move to the parents, and the amount that went to pay for housing, postpone, adding to it even at least the same. It disciplines and accustoms to a future life with a loan. The payment process is very long. Taking a loan from the newlyweds, you will have time to raise children before you pay it off completely.

Several loans

Since the mortgage for housing in Chelyabinsk in fact is, but in fact you need to still try to get it, you have to go for cunning. Do you have credits? Forget about the approval of the application. At best, you will be offered a second review of the application with full repayment. Of course, before you receive money from this bank. So, what needs to be done? Find an apartment, the owners of which agree to wait a while. Transfer the documents to the bank. If you do not have enough money to pay the initial installment, you will have to get it with a second loan.

Judging by the reviews, it rarely enough denies its customers Delta Bank. But we must bear in mind that absolutely hopeless cases will not be considered anywhere. That is, these are options when a person does not have collateral, a down payment, formal employment. After you receive an official response that the application is approved, you can quickly apply for a different bank consumer loan. From it you can pay off with existing loans, which are already "lit" during the audit, and carry the supporting documents to the bank where you will make out the mortgage. The remaining amount goes to make an initial payment.

The first troubles

If you think that this is the end, you are mistaken. Get ready right away, it's a mortgage. You can take a mortgage for an apartment in Chelyabinsk, but this is long and quite costly for money. So, once a positive decision is made, you need to order a cadastral passport and pay for its prompt production. After that, the representatives of the appraisal organization will come to you to inspect the property to be acquired. It will cost 2000 rubles. If you are lucky, there is confirmation of income and the interest rate is minimal, then it will be 12.5 per annum for fifteen or twenty years.

But that is not all. When choosing where to get a mortgage in Chelyabinsk, try to find the bank where there is no commission for issuing a loan. Otherwise you will give more from 11000 to 25000 rubles. In parallel, the insurance of the apartment (title and security), as well as the life and health of the borrower. Pay it every year. You can opt out of insurance, but then the interest rate will rise. Make up insurance premiums from 7000 to 10,000 rubles a year.

Credit approved

As you can see, everything is not as fast and cheap as it seemed. Therefore, before thinking about where and how to take a mortgage for an apartment in Chelyabinsk, you must necessarily well weigh your financial capabilities. The bank will approve the selected apartment in a couple of days from the time the appraisers arrive. After that, you can make an advance to the seller, 15% of the cost of housing. Remember, we designed the consumer loan for this. In some cases, the bank may require 30%, this amount is just prescribed as an initial contribution.

The deal itself will take place in a week. Now you need to come to the bank office and sign all the papers. The buyer writes a receipt that he received the down payment. Now you can go to Regpalat and register a deal. In about a week, the documents will be ready. Now you get a mortgage for the bank, and as soon as it gets to the managers, the buyer will be able to get the full amount to his account.

How to take a mortgage without a down payment

In Chelyabinsk, as well as in other Russian cities, it can be quite difficult to take in parallel consumer and mortgage loans. Therefore, clients often want to avoid this moment and issue a loan for the full cost of housing. But there can be serious problems with this. To avoid them, you can negotiate with relatives who can arrange their housing as an additional collateral. Then the bank will more readily agree to give you the amount that you need to make a purchase transaction.

The second option is for someone to act as a guarantor. It is very important that this person owns an apartment or a car, or better both. In addition, he must be employed and receive an official salary.

Cottage or house

Mortgage to a private house in Chelyabinsk is taken even more difficult than for an apartment. Today this option is considered by many families. For someone it is an opportunity to live in an ecologically clean area, others want to grow fresh vegetables and fruits on their site. In any case, a private house looks more attractive than a tiny apartment. Unfortunately, to buy it is quite expensive, so you will have to resort to borrowed funds.

What are the difficulties?

A home mortgage in Chelyabinsk will be approved only if it meets a number of requirements. This is an object that has less liquidity than an apartment. Therefore, banks very carefully evaluate its condition, location and even the materials from which it is built. This is understandable, they are primarily interested in whether they can quickly sell it and return the money spent.

In some credit organizations you will immediately be told that it will not be possible to issue a mortgage for a house in Chelyabinsk. Mortgage to a house in banks is issued, you just need to collect more documents. So, there are a few key features.

• If the location of the apartment does not have a big impact on the solution, then here it will be a key factor. Communication and the technical condition of the house will also play an important role.
• The pledge extends to the land plot.
• The interest on the mortgage will be higher than in the case of the apartment.
• We will have to count on additional commissions of the bank.

Instead of concluding

As you can see, mortgage registration requires a sober view of things and the availability of a full package of documents that can confirm solvency. If today you are not ready to provide them to the bank, it is probably too early to think about mortgage lending. You can go to the bank and ask for a preliminary calculation. To do this, take a certificate of wages, tell the manager about the available loans, property, business. In this case, you will roughly know what you can count on.