Итак, вами принято решение получить кредит в одном из банков на покупку недвижимости. Предлагаем воспользоваться десятью советами и ознакомиться с таким же количеством распространенных заблуждений на этот счет.
Советы и заблуждения.
Первый совет: продумайте и просчитайте все свои финансовые возможности в отношении будущего кредита.
Это сейчас легко сделать на сайте любого банка, воспользовавшись для точного расчета специальным калькулятором.
Здесь для себя примите к сведению, что размер платежа по кредиту должен быть не более сорока процентов вашего дохода в месяц , а сумма, которую возможно получить на покупку жилья, будет рассчитана от оценочной стоимости и составит порядка семидесяти процентов. Если вам необходима помощь в выборе программы, обратитесь в специализированные агентства, которые владеют полной информацией о банках, и всегда готовы помочь с оформлением документов на кредит.
Первое заблуждение:
Вам выдаст кредит на покупку жилья агентство недвижимости.
Дело в том, что агентства это всего лишь посредники, которые отвечают за выбор квартиры в соответствии с условиями банков, и оказывают помощь с документами, сбором и оформлением, сам же кредит выдают только в банке.
Второй совет: Ваши доходы должны быть подтверждены, поэтому предварительно обсудите этот вопрос с руководством фирмы, и получите согласие на их подтверждение в виде справки.
Или же подберите условия банков, которые лояльно относятся к неофициальным выплатам з/платы.
Заблуждение второе:
Для банка не имеет значения доход заемщика, т.к. недвижимость оформляется в залог.
Выдавая кредит своим клиентам банк не получает гарантию залог, но ему абсолютно не интересно получить его в собственность в случае невыплаты самого кредита, ведь цель банков получать проценты на выданные средства, а не реализовывать залоговое имущество. Доходы будут проверяться в любом случае.
Правило третье: проанализируйте процентные ставки банков, выберете наиболее выгодную. Учтите, что показатель маленькой ставки может иметь скрытые комиссии и доплаты, уточняйте и просчитывайте все нюансы.
Заблуждение третье: Квартира после получения кредита переходит в собственность банку.
Это не так, передача в залог, означает ,что квартира обременена обязательствами по кредиту, но принадлежит она заемщику.
Правило четвертое: говорите правду кредитному эксперту о ваших доходах и расходах, чтобы в итоге полученная сумма кредита соответствовала вашим финансовым возможностям
Заблуждение четвертое: покупая квартиру в недостроенном доме, она будет являться залогом для банка.
Такая квартира станет залогом только после ввода дома в жилую эксплуатацию, на недостроенное же жилье оформить право собственности невозможно. Поэтому как вариант предлагается в виде дополнительного залога квартиру на вторичном рынке. Если же жильё приобретается у аккредитованного банком застройщика, здесь дополнительного залога не нужно.
Правило пятое: подойдите к изучению договоров со всей ответственностью, и внимательностью. Если есть необходимость, получите консультацию юристов.
Заблуждение пятое: получить кредит можно бесплатно.
Здесь будут обязательны одноразовые комиссии банку за рассмотрение заявки и открытие счетов, также оплата страховых взносов и оценки имущества.
Правило шестое: подготовьтесь к дополнительным возможным расходам, помимо банковских комиссий. Сюда войдут и оказание услуг риэлтором и нотариусом.
Заблуждение шестое: если нет суммы для первого взноса за квартиру, невозможно взять кредит.
Этот вопрос имеет два решения. Во первых вы всегда можете взять кредит на другие цели под залог существующей недвижимости, во-вторых если продается существующее жилье , полученные средства вполне могут послужить таким взносом на усмотрение банком.
Правило седьмое: Взвесьте все положительные и отрицательные моменты покупки первичного жилья, не отбрасывайте из внимания и вторичное.
Заблуждение седьмое: клиент получает ту сумму, которую утвердил банк.
Здесь есть уточнения, в зависимости от стоимости квартиры, банк выдаст только тот установленный процент от суммы с учетом вашего взноса за жильё.
Правило восьмое: работайте с проверенными риэлторами, у которых есть опыт с покупкой квартиры с помощью ипотеки.
Заблуждение восьмое: при оплате страховки учитываются все риски заемщика.
Страхуются только риски банка на залоговое имущество, если есть желание, свои риски заемщик должен будет застраховать сам.
Правило девятое: проанализируйте все возможные варианты, которые вы сможете предпринять, если не будет возможности оплачивать кредит.
Заблуждение девятое: при разорении банка придется сразу возвращать всю сумму кредита.
Совершенно не верно. Ваш кредит перейдет к новому выгодоприобретателю на тех же для вас условиях.
Правило десятое: подумайте и оцените ещё раз свои окончательные возможности, и если существует вариант покупки жилья без ипотеки, воспользуйтесь им, вы избежите удорожания вашей недвижимости практически в два раза, за счет выплаченных банку процентов.
Заблуждение десятое: если вы после выплат за несколько лет не сможете оплачивать кредит, банк заберет у вас все.
Это неправильное мнение, здесь чаще всего происходит реализация залога, разница долга перед банком погашается, остальная сумма принадлежит самому заемщику.
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