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Instructions

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Interest rateThis should be paid specialAttention. The lower the interest rate, the less as a result you overpay. In principle, the annual interest rate in all banks is approximately the same and far exceeds inflation. However, you can find an advantageous option. For example, take advantage of the bank's preferential offers, in which you receive a salary or have a contribution.

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Special OffersSpecial programs: for example, "Young Family" or "Young Teacher". Such lending programs are always cheaper, you can get a good idea. Find out which preferential programs exist in banks and whether you qualify for them.

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Additional costs Please note that duringyou will have to pay additional fees and expenses. Among them: the transaction fee, insurance, account maintenance, the work of appraisers. In most cases, these costs can be minimized (with the possible exception of commissions). For example, to refuse the services of an appraiser and not to insure life.

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Delays and refinancingLiving situationcan change dramatically. It is necessary to know in advance whether the bank provides a deferral and on what terms, whether it will be possible to transfer the loan to another bank or re-arrange it on other, more favorable terms.

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Using matkapitalaNemalovazhnym looksthe issue of using maternity capital as an initial contribution or subsequent repayment. Some banks allow easy use of the matkapital, some - take a large percentage, some do not allow you to dispose of the matkapitalom until the child is three years old.

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Co-borrowers and mortgagesExplain how muchco-borrowers are required for mortgage registration. Some allow you to attract in this capacity not only the spouse, but also parents, grandmothers, grandfathers and other relatives. Find out what will go as collateral and what will happen with the mortgage in the event that you can not pay the loan.