Dreams of their own home visits, most of us. If you do not have a corner – you desire to acquire them. If you have a house – you would like to improve it. Someone wants to move out of town closer to nature, tranquility and fresh air, someone on the contrary, I would like to live closer to downtown or near the work. Save money on housing right now is impractical because keep up with rising prices is virtually impossible. So how can that be? – You ask. In Currently, if you have a good savings, you can not or do not want to sell existing housing remains fairly one way out – the mortgage. Now, almost all banks provide such loans, the newspapers are full advertising, with posters and placards are looking at us the happy faces of owners of new apartments.
But is simple and bright. Let's face it. At first glance, everything seems not so difficult. Collected papers, waited for approval, selected housing, and now you are in a new apartment. But probably not for nothing that mortgage lending is in the banks one of the most complex credit lines. First, the package of documents necessary to provide more than for other loans. Second, the approach to the analysis, as both you and your income is much stricter. Third, finding housing and conduct of the transaction – this is a very crucial stage. Where to start? We must start with a common understanding of their opportunities.