Live well! A good life is even better! Phrase from a movie about Vitsin, Nikulin Morgunova. Get a consumer loan today is easy. Perhaps, even, very easy! And foolish not to take advantage of the opportunities offered to us modern banking system. But here's the problem. Credit – a financial instrument, and they need to be skillfully exploited. Otherwise – trouble! Too many people perceive the loan is not like money, but as manna from heaven, buying goods, that exceed their financial capabilities. How many times, asking why people bought just this thing that he would never have bought for cash, I heard about one and the same phrase: "So a loan, not for money back!" People just do not believe the credit money and the price paid for such ignorance comes very quickly.
Here is an example of life. One former classmate of my wife asked me to find her a new refrigerator. Broke the old one. And no money. Terms were as follows: payment of not more than 400 rubles a month, a down payment should not be, because money is only for delivery to the village on the type Tmutarakan and then "to the eyeballs." The total purchase amount should not exceed 10 thousand.
Lives She is the one with my son, so that fits almost any option the average refrigerator. I found it a suitable option, precisely on its requirements. And the first payment was not, and delivering low-cost, called dictated everything: the address of the store, model, taking into account the cost of credit, even in what corner sits a credit officer and the name of the loan officer. But apparently did not realize I was a very simple thing, human psychology.
Since the birth of mortgage lending in our country has passed many years. Over time, credit conditions have become more humane, while interest rates on loans – more down to earth. Thus, the expanded range for it became possible to buy an apartment on credit. Where once these loans were given only banks, but now players in the mortgage market – more than enough! A reasonable question, and as if this diversity is not to be mistaken with loan? Where and under what conditions it is better to take? We will tell all in order. Banks. Perhaps, among the proposals of banks you can find the most suitable loan option. This is not only the variety of options, but with increasing competition among themselves bankovipotechnogo lending. However, it is for a loan at the bank you can expect the greatest difficulties.
This cost of processing the loan application and paperwork the transaction, and charges, and most importantly – time. Consideration of application is sometimes stretched to a month and a half, even if the documents are in order. If time is suffering – well, as if the apartment is needed today? And is it worth waiting for month and a half, not knowing will give you a positive answer, or not? Common sense tells us to look for other options. And they are in the form of mortgage companies. Mortgage company – a company that specializes in the design, issuance and maintenance of mortgage loans.
In fact, the mortgage company is offering the same services as banks, only the consideration of the application here is the minimum period. However, when all the pros in the mortgage companies have and disadvantages, chief among them – the cost of services. Typically, the cost of services the mortgage company is higher than the bank. It is true that credit conditions in this case may be softer. And yet – for now formed a circle of mortgage consultants that will help you choose the best loan option. And if you decide to take a mortgage loan – you are entitled to a choice: to pick up most of a mortgage loan offered by banks and mortgage companies or fly a mortgage consultant …. Based on materials of NDV real estate in Moscow
Now, by contrast, private ads – which is rare, almost all firms in subjection. Of course, if time was running out, then a real estate assistance – an invaluable service, however, if you have a couple of months in reserve, you can do this issue and to himself – in any case, you'll spend a little time and not have to pay agents a percentage. Another plus is that there will be no fixed price – about it with the buyer or seller you be able to negotiate in person, that is, where's the bargain, but the reward you will additional savings. So what does it do to buy or sell an apartment on their own? First, as shown statistics, the greatest benefit it brings those same paper ads, which are hung at the station or, more often, homes. A sample ad text can be: "Buy (selling) one-bedroom (two-, three-, Malosemeika) apartment in your house (quarter). " Do not forget to include your name and phone number, city and preferably a cell.
As for the local number, so it is worth to mention how many hours do you spend time at home – not a very well, if the buyer or seller will nazvanivaet you all day, and you appear only in the evening. Others including Dr Alan Mendelsohn, offer their opinions as well. Another good method of buying or selling flats is giving ads in newspapers or real estate online. Here must also specify that you – "owner-driver." Despite the advancement in the present moment is real estate companies, as experience shows that people rely on advertisements of a particular type much more. Enlighten all possible and impossible sources of its wish to buy (sell) an apartment, and your inquiry necessarily someone will respond. Just to be out of place to announce their intentions to friends and family – probably one of their friends or selling buy an apartment. However, working with outsiders always better – think about whether you can abandon the apartment at the time when you will be persuaded to buy her own father or best friend. Will also be quite difficult to explain why the apartment is not much. And last but not least, a way could be your independent review of newspapers or internet sites such as the presence of other people's personal ads for sale or buying an apartment. Perhaps we should call the coveted number, and you are sure to find for themselves a "gold" option. Finally we can say that the best realtor for himself is none other than you yourself! Only you can choose for themselves the ideal fit with the floor, and the price plan – while no one will be on you "push" and give questionable advice.