Different ways of transferring money.
* Cash vendor, before the filing of documents in the CIS. registration hands;
* Cash seller after the transaction hands;
* At the seller's expense before the transaction;
* From the buyer to the seller as in Russia, both at home and abroad;
* Through the mediator, for example, through the real estate agency;
* At the seller's account after the transaction;
* A cell depositary bank;
* A letter of credit.
Through negotiations, the buyer and seller reached a compromise.
There are rare cases where the seller is needed money, a buyer much like apartment, but the deal sagged just because way to transfer money proposed by a party, are not happy another.
And vice versa.
The compromise is not reached, the deal sagged.
In the case of mortgage-way transfer of money determines the bank. Sometimes all, but often only the part that grants in the form of credit. But there are possible alternatives.
And do pledge?
If bank credit, but does not require collateral design, the mode of transmission of money you choose themselves: as themselves agree with the seller, and distribute.
A credit agreement with the bank: Please get the money in cash. And give the money themselves seller apartment.
When needed bail?
* Pledge want the bank, but the bank initially gives the borrower money and gives it time to the one after the conclusion of the contract of sale flats laid its bank:
As collateral is not buying apartments at the same time as the bank simply gives money and transmit them to the seller as feels like it.
However, until collateral many banks prefer podstrahovatsya: and request that the borrower at the time, while rentals will be no lien bank - would provide sureties, or be handed over to any other property as collateral. In doing so, until bail apartments, acquired on credit, the borrower's interest rate increases.
* Security deposit occurs simultaneously with the borrower flat:
This is the most widely distributed transactions, is used in 9 cases out of 10. Under such a scheme, a way to transfer money calls the bank.
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