Мой город: Сначала потенциальный клиент должен будет заполнить заявку в банке. Кредитор рассматривает ее и выносит предварительное решение. В анкете указывается...
Банки и кредиты МосквыБанки и кредиты МосквыБанки и кредиты Москвы
18:52 03/02 
07:37 20/01
13:49 11/01
Гость (agmt43)
Гость (lkch81) 
Ипотека 
13:01 08/12
Оформить ипотеку сегодня достаточно просто – во всяком случае, такой услугой удается воспользоваться многим гражданам. Однако кредиторы обычно соглашаются выдать ипотечный кредит только тогда, когда заемщик предоставляет первоначальный взнос.
Почему в банках требуют первоначальный взнос?
Вполне естественно, что кредиторы стремятся сохранить свои деньги. Конечно, в таком случае может помочь залог, который служит гарантией возврата денежных средств, но ведь его еще нужно будет как-то продавать, а то и забирать у клиента через суд. Первоначальный взнос дает гораздо больше гарантий, и с ним гораздо удобнее.
С кредитором все понятно, а чем взнос полезен для клиента? Тем, что общая сумма долга перед банком сразу значительно сократится. Потенциальный заемщик получит возможность обойтись минимальными затратами.
Откуда взять деньги?
Если оформление кредита у вас только в планах, постарайтесь самостоятельно накопить необходимую сумму. Чем больше первоначальный взнос – тем меньше итоговая переплата. Если времени нет и разобраться с жильем необходимо как можно быстрее, при возможности воспользуйтесь какой-либо специальной программой (например, материнским капиталом).
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