By choosing a bank should be approached as a "choice of a bride." Comfortable you are with him should be a very long time, especially considering how much time will have to return a "mortgage debt". Today in Russia there are over 950 banks. And before you choose to obtain a mortgage loan of some one to start the talk with loved ones. Read the reviews on the forums. Your bank should be stable and loyal to their clients. What to do when a borrower bankruptcy, can be read here. Aides to benefit in your difficult choice will bring a mortgage broker who works with many financial institutions. You ask him a goal - he picks the best option. However, his services are not always free and can cost you 10-40 thousand rubles. You can choose a bank on the credit terms it offers. Comfortable conditions for you to help calculate a mortgage calculator. Guide the selection of the bank key parameter is the rate on its loans. According to the portal Bank.ru, in late April, the average cost of loans in the country's largest banks was 13.46%. In this case, the individual programs in the Savings Bank the cost of mortgages is 8% per annum. Also be guided on how much the bank is asked as a down payment. This may be 20-30% of the total summmy credit. If you do not have that kind of money, looking for another bank, which offers the mortgage without a down payment. This is, however, they can ask to bring sureties.
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