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In fact, issuing a real estate loan is a type of mortgage lending. The only difference is that the collateral is not the purchased housing, but already existing real estate. Naturally, according to the law, the owner can dispose of his apartment as he sees fit, but for the bank it is also fraught with loss of funds, and in some cases - loss of the apartment. Therefore, when applying for a loan secured by real estate, be prepared for the fact that the bank will require additional documents from you. Information about credit conditions can be found on the website https://capital-invest.com.ua/ru/kredit-pod-zalog-nedvizhimosti/kredit-pod-zalog-kvartiry/ you can also consult with managers.
Crediting on favorable conditions
All banks offer real estate mortgage loans for any purpose. However, everything is not as simple as it seems at first glance. In the course of issuing a loan, the bank assesses not only the value of the collateral, but also the risk of non-payment. The risk assessment is calculated on the basis of a number of characteristics: the borrower's solvency, his credit history, etc. If the bank considers that the borrower is insolvent, the money will not be given to him.
In order to get a loan against the mortgage of an apartment, it is necessary to be solvent. In addition, there are certain conditions for obtaining credit: the presence of a passport and registration, as well as a minimum work experience of 2 months.
Is it worth taking out a loan?
Issuing a loan against real estate is one of the most popular types of lending, as it not only allows you to solve the problem of obtaining bank financing, but also does not pay for rent.
- However, even with such a favorable offer as a mortgage loan for an apartment, it is necessary to carefully study all the possibilities of issuing a loan without violating the rights of the owner. Mortgage for the security of an apartment
- Mortgage lending is a type of lending in which three parties participate: the buyer, the seller, and the bank.
- As is known, the buyer acts as a borrower who borrows funds for the purchase of housing, and the seller acts as a mortgagor who pledges the purchased apartment to the bank.
- The bank, in turn, issues funds to the borrower, which he uses to purchase an apartment. After that, the bank, under the contract between the buyer and the seller, or under the mortgage contract, gets the right to dispose of the apartment in full accordance with its interests.
All the rights and obligations of the parties to the transaction are written down in the mortgage agreement. For example, the bank has the right to independently determine the procedure for the use of housing and carry out capital repairs in the event that this is stipulated by the contract. In addition, the bank can dispose of the apartment - sell, donate, rent.
