Здравствуйте, уважаемые Мастера! У нас Вы всегда сможете найти статьи о дизайне и ремонте квартир, практические руководства по всем этапам строительства, а так же узнать последние новости о строительных и отделочных материалах.

Ипотека на квартиру в новостройке и строящемся доме

09.07.2017 Раздел: Разное Комментарии: (51) Размер текста: A+ / A-

Как получить кредит на покупку квартиры в новом или строящемся доме? Преимущества и недостатки такого приобретения.
Покупка квартиры в строящемся доме — довольно рискованный вариант. Сколько недостроенных домов находятся в стадии заморозки? А ведь в них вложены чьи-то средства! И люди годами ожидают продолжения строительства и получения квартиры! Именно поэтому банки неохотно кредитуют такие покупки, а если дают согласие, то под большие проценты. Компенсировать это может невысокая стоимость таких квартир, особенно, если средства вносят еще на стадии строительства фундамента. Если вы не хотите брать ипотеку, вы можете снять квартиру в Рязани. Недорогие квартиры посуточно в Рязани можете посмотреть на сайте.3c5d717ec6c0365289c86232f4e0b5e9
Банки учитывают все нюансы строительства: компанию — застройщика, кто инвесторы, сроки сдачи дома в эксплуатацию и передачи жилья в собственность. Собрать все необходимые документы практически невозможно. Кредитор может предложить вам покупку квартиры лишь в аккредитованном (заранее одобренном им) объекте.
Самый лучший вариант — обратиться в компанию застройщика того дома, в котором вы хотели бы жить. Там можно узнать всю информацию о банках, с которыми они работают. В этом случае вы предоставите лишь документы об удостоверении личности и о вашей платежеспособности.
Покупка квартиры в уже построенном новом доме более благоприятна для ипотечного кредитования и безопасна для покупателя. Больше доверия у банков и клиентов, когда дом построен, подведены все коммуникации и готовы документы о сдаче его в эксплуатацию. Заемщик обязуется выплатить первый взнос на квартиру в размере 20% от ее стоимости сразу после подписания Кредитного договора. Для покупки жилья, клиент проходит несколько этапов. Сначала нужно выбрать дом, в котором вы хотите жить, затем — закрепить за собой конкретную квартиру по договору бронирования (он бывает платный и бесплатный, в зависимости от застройщика). Следующий этап — одобрение кредита. Обязательно найдите подходящую страховую компанию — это одно из основных условий предоставления ипотеки.e78ca6e867c584cc306f19b2479c0 Далее — подписание документов о долевом участии (если дом еще строится). Госкомиссия проверяет степень готовности дома к сдачи в эксплуатацию. Назначают дату встречи всех сторон договора и подписывают документы купли-продажи. Жилую площадь оценивают и оформляют банковскую закладную. В завершение, выдают документ о праве собственности на квартиру.
Конечно, есть свои преимущества в таком приобретении! Жить в новом доме с современной планировкой и всевозможными удобствами мечтает каждый! Да и обустроенная придомовая территория порадует своей привлекательностью: детские площадки, места для парковки авто, уголки отдыха для жильцов, клумбы и зеленые насаждения. Очень часто такие дома оборудуют ограждением и охраной.

Ипотека на квартиру в новостройке и строящемся доме Reviewed by Vash-Remontik.ru on . Как получить кредит на покупку квартиры в новом или строящемся доме? Преимущества и недостатки такого приобретения. Покупка квартиры в строящемся доме - довольн Как получить кредит на покупку квартиры в новом или строящемся доме? Преимущества и недостатки такого приобретения. Покупка квартиры в строящемся доме - довольн Rating: 0
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