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Given the inconstancy of the financial market, current post-crisis russian economyMany are asked a fair question - to take a mortgage or not in 2017? Maybe you should wait a couple of years until the economy will restore, or vice versa - make it faster until the rates take off?

In this article, we will reflect and argue - is it worth it to take a mortgage?

2017 year and housing loans

The banking sector has ruled many difficulties over the past year, and more than 100 players left the market at the initiative of the Central Bank. Gradually, the activities of banks stabilize: profitability is restored, programs are open, closed for the crisis period. Many banks that were forced to make mortgage cancellation, in 2017 will resume lending.

Is it worth buying an apartment in a mortgage? Still, this question requires long-term analytics of your income. Try to simulate the situation that your employer stopped the activity and you remained without work. Can you find a similar source of earnings with your profession?

What will happen to the interest rate?

The interest rate on loans is tied to the key rate of the Central Bank. In the next year, it is meaningless to wait for her sharp decline. The maximum interest rate leap will be 0.5%.

The budget is planned in such a way that there are very few funds to support mortgage lending. From the state of the state to wait for help.

Even if you discard the growth rates of inflation and submit in theory that in 2-3 years the banks will be able to afford a small decline in mortgage rate, no one will cancel refinancing housing loans.

When is it better to take a mortgage in 2017?

Pay attention to the New Year stock, valid until the end of January. If you did not have time to apply at the beginning of the year, try to do this by the end of the reporting periods (quarterly, semi-annual): At this time, banks try to increase the loan portfolio to show decent digits in the reports.

Where to take a mortgage in 2017?

As a lender, it is worth choosing a reliable, durable partner who is not at risk of license revocation. Before choosing a bank, learn credit ratings, standards of activity. Choose a bank configured to the development strategy.

For example, pay attention to Sberbank: This bank is aimed at record profitsAnd therefore he is ready to increase volumes by reducing rates. New Year's action surprised not for a joke: mortgage from 10.7% per annum, fixed bets on consumer loans, refinancing overdue debts - all this unique offers, decent attention.

State Bank VTB24 reduced the rates on the secondary and new building up to 12.6%. Gazprombank issues loans on a new building from 11.5%. Rosselkhoz credits housing from 10.9% per annum.

Please note: some banks reduce mortgage rate not quite conscientiously. For example, Delta credit offers only 10.9% per annum, but subject to insurance and payment of the commission of 5.5% of the loan amount! BINBANK offers 11.25% by the same scheme, with a 4% commission and three types of insurance.

How long is the mortgage loan now and what is expected to wait for those potential borrowers who decided to wait, the head of the Est-A-Tet \u200b\u200bMortgage Center, Alexey Novikov, is arguing in their author's column.

Arguments for

The main argument for taking a mortgage now is unprecedentedly low rates. And before, periodically, banks appeared special programs with a lower compared to the average market rate, but usually such special conditions were available only for limited groups of citizens - for example, employees of industries funded from the state budget. Now, every bank involved in the program with state support tries to attract as many customers as possible, so the banks are constantly playing with the bid, lower it in the framework of state programs to 10.5% and make it possible to lending to such low interest for almost all categories of borrowers.

However, it is not clear whether banks will be able to keep such a bet during the dollar to 80 rubles. At a similar course, the scenario of the end of 2014 may well repeat, when the Central Bank sharply raised a bet to 17%, and those who filed applications for approval were accredited to new rates. People came to the deal, and they declared that they would have a bet for three percentage points higher than was supposed, because after December 17, there were no rates below 17%. There was practically no bank in any bank. Then there was a real excitement. Many and completely refused transactions, someone took a loan at 17%, because, for example, the available housing was already sold and retreat. The only one who offered affordable loans was Sberbank of Russia with a bid from 14.5%. In the first two months of 2015, almost 95% of mortgage transactions were accounted for this bank.

Now the factors that allow omitting the key bet is not, but it may be quite, depending on the fluctuations in currency exchange rates, because last year they slow down the currency jumps in the raising rates. Even if the rate does not increase to 17%, and, for example, up to 13%, it is difficult to say whether the state can subsidize rates, given that this is a temporary measure. Banks will not be credited at a loss, and the market will return to 14%, as it was in early 2014.

Waiting makes sense when there is something to wait. And the decline in rates, taking into account the already low current level, the prospect is very vague. At the same time, during the waiting for the price of apartments grow. Yes, this is not such an intense growth, as with a growing market, but it is. The developers once a quarter are already performed exactly the planned increase in prices by 3-5%. Plus, growth due to currency fluctuations, because of which increased in the price of building materials in a number of projects, and this is another 5-7%. It should be borne in mind that as the stage of construction readiness increases, the most liquid proposals are flushed. Of course, the developers are introduced into the implementation of new pools of apartments, but the farther, the less rich choice remains from buyers. From this point of view, taking an apartment in the mortgage now, the buyer not only chooses from a larger number of objects, but also enshrines the cost of its real estate.

Arguments against

If the dollar is still going down, then the rates are much, I emphasize, will not significantly decrease, because for russian market Now there are low rates. On the eve of the new year, picking up the "crowd effect", can be launched new Year's programs With lower rates, but again it will be a decrease in the market, that is, for example, from 11.5% to 11%. But now there are such bets. Compared to the risks of increasing the key rate and the increase in mortgage loans by the beginning of 2014, this is not such a big bonus.

However, with all the "seductiveness", crediting conditions are far from all potential borrowers are really able to pay a loan. Moreover, in conditions of economic instability, people need to morely approach the loan. Of course, much depends on what category the borrower refers, what is his income, how stable its position at work is whether, in addition to the main income, some additional sources.

Is it worth a candle game

In general, all borrowers are divided into three categories. First, these are high-income borrowers - over 200 thousand rubles. per month. Those who acquire expensive objects, as a rule, really evaluate their financial opportunitiesUnderstanding how they will pay a loan. Such customers calculate how much the loan overpayment will be, if they are scolding in a year, three or five years. They initially understand that they will be able to repay the loan ahead of time, and there will be no more than five to seven credit.

The second category is a middle-income people whose income on a family of two people, not counting children, fluctuates from 100 to 200 thousand rubles. For such clients, as a rule, there are additional "gray" income, such as rental. Among such borrowers there are "sowing chains" who want to take a mortgage, while having other loans, and the total payments on all these loans may exceed the income of the client. It is interesting to note that the issue of overpaying such borrowers interests the least, many understand the intuitive that paying the mortgage of 20 years, you overpay twice. There are mostly worried people, what a percentage of the loan will be, because the size of the monthly payment depends on it. The planning horizon of most citizens is narrow, it does not extend on the pair of years, people take loans and think only how they will live in the next few years.

And there is a third category of borrowers whose income does not exceed 50-40 thousand rubles. Such people, as they say, consider each penny, and they all the time it seems that they are cheated. Unfortunately, it is precisely such borrowers that do not measure the cost of housing in Moscow and their income and overspend their capabilities. Often they want to be loan, for example, 6-7 million rubles, despite the fact that their income is 40 thousand rubles. Usually, the "Wishlist" end immediately after the monthly payment is calculated for such a loan, which is at least 60-70 thousand rubles. per month.

How to competently take a mortgage in the crisis

"Seven times will die - once a rejection" - this proverb perfectly reflects the right approach to the design of the mortgage loan. To think several times before you take a mortgage, you need, first of all, those citizens who already have non-declared loans, and also on whom lies responsibility for the content of the family. If one feeder in the family, and the spouse, for example, is on maternity leave with a small child, then you need to think first: what will happen if this feeder loses work, to which to contain a family and pay a loan.

The most important thing when making a mortgage is to understand that there are ways to retreat in case the borrower lost the main source of income. Therefore, before you take a loan, you need to secure these rear. First, have a financial pillow in the amount of at least three salaries to search for a job or restore your financial situation Have sources money For life and payments on the loan. Secondly, to insure yourself or the cooler from the risk of loss of work. The size of such insurance is an average of 1% of the loan amount. In case the borrower loses the main place of work, its monthly payment will be frozen, and interest on the loan will pay off insurance Company. Thirdly, to evaluate whether there are additional sources of income in the family, for example, a machine that can be sold in an extreme situation, or a cottage that can be passed. The more such assets, the more confident it can feel the borrower when issuing a loan. Fourth, make a mortgage with minimal monthly payments. In the event of financial difficulties, it is easier to pull such a loan, and if things go well - you can safely repay the loan ahead of time.

Despite the fact that people have become more thoughthely approaching the issue of mortgage, understanding what serious and long-term obligations, the culture of credit relations with banks from our citizens still suffers, especially among people with average and lower than average revenues. Not always, people provide such rears when issuing a loan, but only if they are presented, we can talk about a weighted approach to mortgage.

Alexey Novikov specifically for RBC Real Estate

Welcome! Today we will talk about whether you should take a mortgage at all. In fact, our readers regularly ask him, so our experts will tell in this article when it is worth taking a mortgage, and when there is no, how to evaluate the pros and cons of the mortgage bank and suggestions, whether to take a mortgage in 2020 or better wait.

Before accounted for an apartment in a mortgage, it is worth not only to evaluate its financial capabilities, but also to explore market performance.

Market Indicators

First, pay attention to the interest rate. What it is lower, the less will overpay. In our country, if the mortgage rate is less than 11-12%, the transaction is considered advantageous.

If you look large, then the growth of interest on loans depends on the following factors:

due to the introduction of international sanctions, the inflow of investments in the Russian economy decreased;
at the same time, export oil prices are reduced, and the ruble is depreciated;
banks are becoming more difficult to attract new capital, as a result, interest on loans grows.

Also consider the current dollar rate and the trend of its growth or fall. If the dollar is growing towards the ruble, it means that the refinancing rate of the Central Bank will increase. This, in turn, will entail an increase in loan rates, incl. And by mortgage.

For example, when in 2014 there was a jacket of the currency rate, mortgage rates increased to 17-18% per annum. Many borrowers take a long-term loan under such interest was simply scary, but there was no way out.

Therefore, if the mortgage is issued under a small percentage, and at the same time the currency market is stable - it's time to make a mortgage now.

Own opportunities

Reflecting on how to decide on the mortgage, appreciate the following parameters:

your income;
the desired loan size;
estimated repayment period.

Based on this data, knowing the interest rate, you can calculate the size of the monthly payment and draw conclusions about the possibility and feasibility of the mortgage design.

Also consider such factors:

additional income (for example, investment or from deposits, or an existing part-time job);
already having loans and other mandatory payments.

Evaluate whether you can pay the amount of the established payment monthly during a long time or not. How stable your income is whether it will be enough for money not only to repay the loan, but also for everyday life.

Learn about, you can from our past post.

Pluses of mortgages

Of course, such a loan costs non-silent, but the positive sides of the mortgages justify the available risks:

No need to smoke a large amount for long years to buy housing. You can become the owner of an apartment or at home now. To do this, you need to have only the size of the initial contribution. And the period during which the loan is issued, as a rule, does not last more than 1-2 months.
You can approach the apartment immediately after the transaction.
When making a mortgage, you can use one of the state social programs, if there is foundations. For example, you can get a subsidy or maternal capital, with which part of the debt will be repaid.
Taking an apartment in a mortgage you can get a tax deduction.
Even losing the job, you can contact the bank with a statement about the deferment of payments.
The interest rate is lower than by consumer loan.

If the credit rate is low, the income allows and, even more so, it is possible to get a subsidy, you should not be afraid to take housing in the mortgage. Yes, having a mortgage loan, you will have every month to make payments to the bank, but in return you will get your own housing.

When you should not take a mortgage

Before deciding to such a responsible step, it is worth thinking well. Perhaps it is now that period when it is better to postpone with the design of a mortgage loan.

Market Indicators

It is not necessary to make a hasty decision and apply for a mortgage if the situation in the foreign exchange market is not stable. If the dollar rate to the ruble is growing rapidly, then banks can increase loan rates. In economically-crisis times, there were cases when borrowers filed an application for one percent, and by the time it approved the bank set an increased rate. There was no way out, buying housing a few million rubles. There is no possibility, so many decided to take a mortgage on less favorable conditions for themselves.

Someone will say: "And I'm afraid!", And it will be right. After all, at a high rate, overpays, even for 10 years there will be more value of the apartment itself.

It is also risky to make a mortgage agreement not in rubles of the Russian Federation, but in US dollars or euros. With the growth rate, monthly payments in the ruble equivalent will grow multiple times.

Own risks

The responsible borrower is usually afraid to take housing on credit, if the company in which it works unstable, there is a risk of dismissal or changing the professional sphere. To be confident in their solvency, appreciate the reliability of your workplace at least for the period of the mortgage agreement.

Do not take a mortgage if a move is planned in the near future.

Is it possible to file a mortgage loan, having a low level of income? It is possible, but it is worth considering the following:

what amount will remain after the repayment of all obligatory payments;
will it be enough for accommodation;
with minimal payment, the loan period will be the maximum possible (up to 30 years).

Cons of mortgages

In order for the borrower personally and his family, I was not afraid to take an apartment on credit. You need to evaluate all the consequences of the conclusion of the contract in advance:

Housing will be pledged by the bank. Therefore, it can not be sold until the loan is completely repaid.
The borrower takes long-term financial obligations on the payment of regular payments of essential size.
At the conclusion of the contract, the Bank's client also carries additional costs to pay for real estate and insurance. Often, when making a mortgage, it is customary to insure not only the property, but also the life and performance of the borrower.

Mortgage in 2020

Consider whether to take a mortgage this year. Rather, yes, because the market situation is now quite favorable to conclude such transactions. The authorities of the country within the framework of national projects elected a mortgage one of the tools to which they are very expelled. According to the plans of the government, the mortgage rate should fall up to 8% by 2024. In 2020, it has already fallen less than 9% and will continue to decline if nothing terrible happens.

The state actively supports mortgage borrowers stimulating them with special preferential mortgage programs. In 2020 there are several such programs:

- Mortgage for families where the second child was born after January 1, 2018. For this program, you can buy housing in a new building from the developer at a rate even below 6% per annum.
For Far Easterns - residents Far East They have the right to purchase housing at a preferential rate of only 2 percent, but they must register in it for a period of at least 5 years.
- Preferential program for residents of rural regions. With it, you can buy housing at a rate of 0.1 to 3% per annum.

There are also support measures for mortgage borrowers who have already taken loan:

Maternal capital. In 2020, it is indexed and amounts to 466,617 rubles. It can be directed to mortgage quenching or
If you have been born a third and subsequent child after January 1, 2019, then you have the right to 450,000 rubles in mortgage breeding. At the same time there is no difference for the secondary it was housing or to a new building.

Don't forget about general affairs in the country, namely

Low inflation.
The exchange rate is quite stable.
Prices in the housing market are almost minimal.

How to make money on mortgage

With the help of a mortgage loan, you can not only purchase housing, but also to make money on it.

Method 1

If you have a basic apartment for residence, then having an amount of the initial contribution, you can take an apartment in the apartment to the mortgage, and then take it for rent.

The main thing is that the amount that housing housing will be paid is equal to or exceeded the size of the monthly loan payment. Thus, all expenses on the loan agreement will be covered due to leases, and in the end you will become the owner of the housing for which others actually paid. If the rental size also exceeds the payments on the loan, then in addition to the apartment itself you will also receive an additional income.

Method 2.

Having a solid amount of monthly income, you can arrange an apartment in a mortgage in a new house under construction. In this case, its price will be an order of magnitude lower than the market, compared to when the house is completed.

At the same time, the mortgage should be issued for a short time in order to pay the loan as quickly as possible, and the overpayment was minimal. After a long time, when the loan is repaid, and the house was delivered under housing, this apartment will be possible to sell at a much higher price than it was purchased with credit expenses.

Method 3.

Playing real estate prices. Now one of the best times to buy real estate, as there is a chance to buy an option with a good discount on the secondary. A large number of non-sold apartments have accumulated on the market if you manage to find a good deal and sell at the price of the seller, then after an imminent increase in real estate prices, it will be possible to sell an apartment with a plus, even taking into account interest.

How to choose a bank to conclude a mortgage transaction

Deciding to take a mortgage it is important not only to assess the situation in the real estate market and financial risksBut also choose the bank.

Why not always favorably appeal exactly the financial institution where the smallest percentage? The fact is that in addition to the annual mortgage rate, other conditions also have. To understand where it is better to make an agreement, pay attention to the following parameters:

The size of fines and penalties for the delay of payment.
Whether the Commission for issuing a loan is charged and in what size.
Is there any possibility of early repayment and under what conditions.
Examine options for payment methods of monthly payments (whether to do this to the bank or there is an online translation).
Ask the Bank's Manager to calculate the full cost of the loan for the entire repayment period. Compare this amount with suggestions in other banks.
Find out if you have any additional programs on the design of the mortgage. For example, for young families or for the military.

It is not easy to decide on the mortgage, but if we competently appreciate all the risks and your capabilities, then this is a real way to become the owner of your own housing in the distant future, but right now. Moreover, at the time of registration of the contract, the value of the apartment is "fixed", and many years later, by the time of the end of payments, this amount will be much less than the real cost of housing at the time of closing the loan agreement.

We are waiting for your questions in the comments. We will be grateful for the repost and evaluation of the article.

The opinion of experts on the issue is to take a mortgage in 2018, presented in the article, will help everyone who doubters to accept the right decision and not to please into the financial trap.

The relevance of mortgage lending in Russia

Russians have long ceased to be afraid to take money on credit. For many, this option is at all the only opportunity to ensure itself with everything necessary. If we consider that the cost of one's own housing is ten, and even hundreds of times higher than the monthly salary, we can safely say that it will have to save a person on his housing for a very long time. You can do and otherwise - to make a mortgage, get your home and pay the bank borrowed funds with percent.

Just for Russians, mortgage is very relevant, whereas in the West, especially in Europe, people refuse not only from such forms of lending, but also from the idea to acquire their own housing in principle. This is explained by very high real estate prices, while living in a removable apartment is much more profitable.

Rent as an alternative to mortgage lending

Many Russians dream of their own dwelling and put this question in the center of their desires and dreams. But is it really profitable? It is not always unambiguously answered that it will be more profitable, mortgage or rent. Of course, because every case is individual and consider it in private.

The main advantage of the mortgage is that immediately after the design of the transaction, a person receives an apartment or other residential real estate to the property. He gets local registration, which simplifies the search for work, use social services. Rent also gives only the right to live on the territory of the owner a certain period of time. And then, by some kind of circumstances, the owner can evict the tenant.

there is positive moments And renting. The most essential features include the following:

no need to have a large amount in hand;
ability to rent housing in any area with the desired level amenities;
rental size is lower than the mortgage payment;
the tenant does not need to make repairs and furnish the apartment in most cases, the room service also lies on the tenant's shoulders;
the ability to quickly change your place of residence or find a more budget option.

Of all this, we can conclude that the rental is more accessible to Russians. If a person wants to acquire his housing, he must decide whether to save money or take them to debt from the bank now.

Features of the mortgage loan: pros and cons

To assess the mortgage it is worth weighing everything for and against. This method of acquiring its own housing has the following advantages:

the opportunity to become the owner of the housing, having not the full amount in the hands (the amount of the initial contribution to banks varies from 10 to 50%, and in the case of social benefits, it may be absent at all);
the possibility of living in the apartment immediately after purchase (if it is ready for use);
short time (A full cycle of mortgage design, as a rule, takes several months);
the possibility of obtaining tax deductions (a person after the reporting year receives a return of money retained as NDFL from wages);
the possibility of obtaining social benefits (the state takes part of the obligations of the borrower).

But there are mortgage lending and its minuses that need to be considered before the bank appeal:

long term lending;
large amount of overpayment (the longer the term, the higher the overpayment);
availability of additional costs (property and life insurance, housing evaluation);
additional commissions (this is not practiced by all banks, so it costs to specify the information in advance of your credit specialist);
restricting actions with housing until the mortgage repayment (as the apartment acts as a collateral, it will not be possible to sell, make an exchange or token, do something else without prior agreement with this issue with the Bank);
difficulties in obtaining (not every person banks are ready to give a mortgage - the presence of registration, a certain seniority of work and official employment is not always the only requirements for the borrower).

Of course, a particular proposal has its own characteristics, so it is necessary to analyze the possible situation in advance, examined in detail the conditions for the mortgage of a particular bank.

Mortgage today and tomorrow: what to expect?

After a difficult crisis in 2015, interest rates for all banks began to grow rapidly. People were given a mortgage under 12 - 17% per annum, and sometimes higher. But in 2016 the situation on financial market Stable to stabilize. On the this moment You can easily find a mortgage offer with a rate of 7 - 10%, while under the previous 15 - 17% give us regular consumer loans without collateral.

A drop in interest rates on loans is associated with a decrease in inflation. Moreover, the banks themselves help the Central Bank stabilize the situation. That's why, 2017 and 2018 are most successful for mortgage.

There is another one important factorwhich allows people to make a choice in favor of the mortgage. The cost of apartments steadily falls. So, in Moscow, this figure decreased by more than a quarter. A similar situation is observed in the regions. All this is explained by several reasons:

reduction of purchasing power of the population;
inflation growth and lack of growth wages;
the oversaturation of the market suggestions (apartment buildings are under construction throughout the country);
cooperation construction companies with the largest Russian banks).

All this gives people who have the opportunity to pay a loan, even greater benefits. That is why it is worth thinking about the design of mortgage to citizens who have a stable income and a margin of financial resources necessary for making a first contribution.

Financial experts, assessing the situation in the mortgage market, give citizens the following advice:

In the absence of the possibility of paying a loan should not be closed in an even greater debt. It is better to wait a bit, swaying money and find a higher paying job, and only then go to the bank.
If family has benefits ( maternal capital, Status of a young family, help military, support for low-income families), then you must be used to reduce credit burden. Then the recipiency level will be even less.
You should not take a loan right now, since in early 2018 housing prices quite possibly be even lower. The most successful time to make a deal - the beginning of the next year.
It is worth trying to make a loan in a reliable bank offering a low percentage. To do this, you will have to collect an impressive package of papers. Than a solvent client, the more profitable conditions will be conditions and the greater the amount he will be able to purchase an apartment.
It is extremely recommended to take money in debt in foreign currency. It is better to make a loan in rubles, since it is the salary of them.

The main thing is not to forget that the bank will require loan payment. And if a person is not sure that he will be able to fulfill obligations, he should be held with the mortgage.

It's no secret that real estate prices in the domestic market - whether it is secondary housing or square meters in the new building - very high. For most people, even having a stable average income, the apartment is practically unrealistic. It will have to save for such an acquisition for a very long time, and the solution of housing problems does not work out for a decade.

It is possible to solve the apartment issue by issuing a mortgage loan. This financial instrument was created specifically for lending to purchases in real estate and assumes: a large amount of loan and long repayment.

Benefits and disadvantages of mortgages

Like any other financial instrument, the apartment loan has a number of advantages and disadvantages that should be taken into account before contacting financial organization For a similar loan.

Pluses of mortgages - why should you take in 2020?

To answer the question, it is worth it or not to take housing in the mortgage, you need to disassemble the pros this solution. Customer reviews allow you to highlight the following positive sides:

This tool allows a person to become the owner of the housing, without having its full cost. It is enough to accumulate the initial contribution (usually the amount of this contribution in different banks varies from 10% to 30% of the total value of the selected housing).
Ability to move to your own apartment immediately after purchase. Even acquired for borrowed farms go to the ownership of the borrower. In the bank, he draws her as a deposit in case if the credit funds cannot return.
Minimum waiting time. The period for the acquisition of own real estate in this case is equal to the period of making a mortgage loan. This, of course, occurs far from instantly - as a rule, such a process can take two to three months.
Tax deduction. After the loan is issued, the amount of income tax is calculated not from the total amount of the income of the borrower, and from the residue (it is calculated by subtracting the amount of the monthly payment on the loan from the amount of the monthly income).
The ability to issue a social mortgage. The difference from the usual is that the state is involved in the payment of housing costs - this may be partial reimbursement of the first contribution or subsidizing the interest paid.

Cons of mortgage loan

Before making a mortgage, you should figure out what negative sides she has. Among them can be allocated:

High summary cost of housing and long payments. Due to the fact that the mortgage is issued for many years (as a rule, from ten or more), the bank's remuneration (in more specifically, interest) eventually comprises a solid amount comparable (and sometimes superior) the cost of the apartment itself. Simply put, a person takes a loan and buys one apartment, and he pays two money to the bank in two, and sometimes three times more.
Additional payments. In addition to regular payments on the loan, the terms of the contract obligate the borrower at least annually draw up insurance for property, and the real estate insurance will have to afford all likely risks. Some banks also draw up insurance policy and on the borrower itself. It is not free, and extend insurance every year until the loan is repaid.
Commissions for registration. By issuing such a kind of loan, you need to be prepared for the fact that you will still have to pay for almost everything: for the very design, for the consideration of the application, for the withdrawal of funds for the assessment of property. This list can be very long, and the total amount of such payments sometimes reaches 10-15% of the initial contribution.
While the mortgage is not paid, the borrower has no right to sell, exchange, bind or anyway to dispose of its real estate without the consent of the bank.
Strict requirements for the borrower. The credit institution places strict requirements regulating the need for stable income, work experience, the age of the borrower and much more. Such strict criteria make a mortgage of low-cost pensioners, students, as well as young families.

Thus, the pros and cons of mortgages should be carefully analyzed for each specific case.

What is more profitable in 2020: Rent or Mortgage?

What is more profitable: mortgage or rent? This issue is given a huge number of Russian citizens today. It should be understood that every case is individual. However, you can make a small comparison of these options for several criteria.

In case of mortgage, the ownership of real estate immediately after registration of the contract passes the borrower. When renting the same apartment, regardless of the service life, does not belong to residents.

But there are advantages in rental - you can live in good accommodation, without any accumulation. At the same time, the mortgage will need to collect funds for the introduction of the initial contribution.

In addition, monthly lease payments are usually significantly lower. But when placing real estate on credit, payments will be stopped sooner or later. When renting, the repair and service of the apartment most often in full lay on the shoulders of the landlord.

Some as the advantage of leases are called a high degree of mobility. That is, it is possible if necessary, it is much easier to change the place of residence.

As can be seen from the comparison, the apartment in the mortgage can be a more profitable option for those who already have defined amount savings, stable income, and in the near future does not plan to move to another locality. In all other cases, the rental option is more suitable.

Mortgage 2020 - take or not take?

Should I take a mortgage in 2020? For those who think about it, you should know: most experts agree that the next year will be successful for the mortgage lending market. It is not yet clear whether the increase in interest rates will be observed, but applicable and new programs state support Make this financial product more affordable.

Take a mortgage this year or wait?

There is another question that worries very many - whether to now take a mortgage this year or better to wait. The answer to this question is to be given only individually, as it depends primarily on the stability of the income of the potential borrower and the prospects for their conservation and growth.

Specialists in the field of real estate predict for the next few years an increase in real estate value in the amount of 5 percent. In addition, in 2020, it is possible to observe a decrease in mortgage rates in almost all banks. The rate is about 10% according to the standard program, and 6% per mortgage program for young families - today is a tempting offer to acquire their own housing!

Take or better accumulate?

Thus, those who decide, should I take a mortgage or better accumulate, You can advise to weigh everything and against. It is very difficult to assemble this amount. Often, with stable income, it is much easier to make a loan. In this case, you can make a monthly amount of more regular payments. Most credit institutions make partially early quenching. With it, it is possible to reduce not only the term, but also the amount of payment. As a result, with an accelerated calculation scheme, the Bank is paid less, and the apartment belongs to the borrower.

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