How to get mortgage bonuses

Terms and conditions of the mortgage completely, you can change for the better for the parties. Most often, preferences of banks available payroll clients. However, the fall in the number of preference may be other ways, such as opening a bank deposit or take a small consumer loans and repay them successfully. Minimum rate on the mortgage loan will be subject to a number of conditions: if the first payment is more than half of the purchase price if the loan is short, if there is a formal proof of income and a lot of "ifs". Special relationship with the banks to payroll clients. True, too much to count on the banks of altruism is not necessary - maximum discount even for these customers is 1% per annum of the standard terms and conditions of the bank. In granting bonuses banks take into account the total amount of savings and loans to customers, the amount of turnover on the accounts and the amount used by the client services of the bank. "A set of bonuses and favorable conditions of the loan depends primarily not so much from the customer and his credit history, but on the domestic policy of the bank: what exactly he emphasizes now - on the development of individual products or on the retention of corporate clients with certain privileges to staff within the salary project. When it comes to retention, the bank is willing to sacrifice profits in the interests of corporate retail business. Payment for acquisition or retention of good corporate client in this case - the decline in profits for the mortgage ", - says head of mortgage development bank" Opening "Alexander Yefimov. For details, see the article "Mortgage in captivity conventions" (the magazine Kommersant-Money ").