Our final answer - yes. Get a loan without guarantors may be only a well search, especially now, when the effects of global crisis gradually taper off. Currently, more banks refuses bail on mortgage loans. Instead, they prefer to increase the down payment or take a pledge undervalued real estate. Institution in any case not lose: even if the borrower can not pay the loan, then the apartment will be taken away and sold. Airbag Bank insists on guarantors in cases where the wish to insure against unnecessary risk by not paying the debt. If the borrower can not pay - for him it will make bail. It turns out that the bank is trying to avoid litigation, which are time-consuming and expensive. In court bankers will only bail after refusing to pay the bills. Sureties may make ordinary citizens or companies to guarantee their sources of income for payment of the mortgage loan. They imposed the same requirements as to the borrower, ie, their income should be 2-3 times higher than the monthly loan payment.
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