We take the credits on the security of real estate: requirements to acquired and put apartments

We take the credits on the security of real estate: requirements to acquired and put apartments

We take the credits on the security of real estate

We take the credits on the security of real estate: requirements to acquired and put apartments

The credit on the security of real estate gives what income is stable and high, possibility quickly to acquire new housing as in this case the role of the first contribution (to save up which often happens difficult and long) plays already available housing. If you decided to take such credit, you need to select carefully new housing as banks make quite high demands to it.

First of all, the housing acquired on credit on the security of available real estate, should correspond to bank requirements, and only then – to your personal wishes. These requirements sometimes happen very strict and differ at different banks. Let’s talk about technical requirements.

Banks give the credit only on the apartments being within the city in which the credit (sometimes – not farther than 50 km from it) stands out. The house should not be emergency, stand in a queue on demolition, reconstruction with an otseleniye or major maintenance. To learn, whether there is a house interesting you in such lists, you can in a regional justice. It will not turn out to take the credit for the housing located in houses of barrack-type or hotel type, and also in hostels. But hardly, of course, you such housing interests.

Not all banks and insurance companies agree to give the credits for apartments in houses with wooden overlappings (such buildings much in old housing stock of Moscow and St. Petersburg). They just make fund of worn-out housing and if do not stand yet in a queue on demolition, will appear there in the near future.

Not always willingly give out the credits for apartments in panel or block five-storey buildings which differ in high percent of wear (higher than 70 percent); besides, not all banks accept such apartments as a deposit. Such apartments are well on sale and bought, but houses and areas are considered unpromising and not prestigious. And it, in turn, too makes quality of housing.

To the apartment also there are requirements. First of all, it should be the separate apartment, instead of a share and not a room in a communal flat. In the apartment there should be all communications: gazo-and heat supply, hot and cold water, sewerage, etc. Many banks make demands and to the area of the apartment which is pawned.

Requirements to housing at banks differ. Besides, each case is considered separately, and is not excluded that one bank will refuse to you the credit, and another – will easily give out it. Address in the credit center Usncredit, and we will help you to obtain the credit on the security of real estate or we will offer other convenient schemes of crediting.

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