The first step
This step can be skipped, and start with the next. But I do recommend it to do.
I recommend that appeal to the mortgage broker, who knows about mortgages almost everything. Time to choose a bank then will need far less likely to obtain a loan-rise, and in some banks, credit will be available for Special Programs: distinguishable best conditions. The benefits of this treatment may be many times more than the monetary cost of the services of a broker.
Next, I recommend that you go into real company and enter into an agreement with rieltorom to buy an apartment on credit was easy and not be turned into an endless "walking on the meal." When buying an apartment on credit characteristics of the mass must be taken into account: if professional realtors working with a mortgage, all those characteristics, he knows.
Of course, the work of the mortgage broker, realtors and costs money, but in the case of a mortgage, this is better than saving.
Although, it's up to you.
Step Two. Bank sees you.
By issuing money, the bank risks. Therefore, the money issue is not all. Consideration takes from three to five days to six weeks, depending on the bank and of the source of your income.
Step third. Looking for an apartment.
Apartment easy to find: There are many sites on the Internet, and print media where ads sold on the flats. But! Flats to test, you must gather all the documents on it. And, as happens in the purchase of an apartment loan, rather than cash, rentals should not only upset you, but Bank.
This case when there is a positive decision on the previous step. If a negative decision-looking another bank, and the previous step going with another bank
Step Four. Evaluation.
The Bank must be sure that credit is not more than so much per cent of the cost of an apartment, but provided his credit program. Therefore, the apartment must be assessed. Certificate of Assessment is transmitted to the bank.
Step Five. Apartment Approves Bank.
Apartment found, the documents collected and sent for testing in the bank and the insurance company. Security Service Bank, together with the legal department, as well as members of an insurance company considering your chosen apartment. If they are satisfied, then you can buy this apartment.
Step six. The credit agreement.
Before you sign the loan transaction contract. Under this treaty Bank prepares you for the necessary money to the seller apartment (in the case of the sale of an apartment) could get one.
Step seventh. Money.
Depending on the merchant bank transferred the money in different ways. Either through deposit box or at the seller's expense. If deposit box through a bookmark-laundering occurs in a cell before state registration.
Step eighth. Notary certificate.
The Treaty is not subject to mandatory Notary Permits. In most cases, sales contracts are drawn up in the apartment beznotarialnoy form, the bank may require that a notary certificate, it would be. - Will have to certify require notarized. The Bank also may require that has been certified by a notary signature on the mortgage. But even if the bank did not require this, the visit to the notary vse-ravno have to do: to verify the consent of spouses to the deal, or vice versa: write a statement that the participants in the transaction were not married.
Step ninth. The state registration.
The move comes at a time right state registration. Registration transactions lasts from a week to a month.
Step tenth. Insurance.
Sometimes this step precedes the transaction.
Bank of risks and wants to reduce their risks. Bank reduces their risks, as, is, for your account. That is, with the insurance organization rasplachivaetes you.
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Mortgage and credit
