What holds back advertising mortgage?

Bankers are bombarded with "advertising networks" and "tons of" fish for unsuspecting borrowers from the abyss of our lives. Promise and great interest, and zero commissions, but in reality it is a much more prosaic. Most of all advertising spending, according to the «AdMonitor», banks such as Sberbank, VTB, VTB 24, the Trust and MDM Bank. In our study, a solid part of the money goes to the outdoor advertising - 38% are less likely to get videos on TV - 3%. And on what "bait" catch borrowers? Illusion apartment for 10%. This inscription and encourages me to go to the specified bank and get their mortgage loan. But bankers are lucidly explained to me that I did not quite go over the terms: he did not earn a credit history is poor. In general, at 16% please, and 10 - no. So, all in a row. Or spend a well-known bank event "888", on which a loan issued under 8%. "Day of the fire is not syschesch" such a bet. Of course, people ran to the bank, and reading the contract, learned that, it turns out, the initial fee is half the price of the apartment. Nedogovorki Mortgage bait "is almost always silent on what to bring several guarantors. And to find people willing to risk their property, but still suitable under the conditions of the bank, a difficult task. About insurance, too, "molchok. This is not a small fee - from 0,1 to 2% of the purchase price. For example, if housing is worth 3 million rubles., Only the insurance holder to pay over 20 thousand rubles. per year. Finally, read carefully the contract. Even if the advertising conditions for the remarkable, then, can be scary, fines and penalties.