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.

Іпотека на квартиру в новобудові і споруджуваному будинку

09.07.2017 Раздел: Украинская версия сайта Комментарии: (186) Размер текста: A+ / A-

Як отримати кредит на покупку квартири в новому або споруджуваному будинку? Переваги та недоліки такого придбання.
Купівля квартири в споруджуваному будинку — досить ризикований варіант. Скільки недобудованих будинків знаходяться в стадії заморозки? А адже в них вкладені чиїсь кошти!
І люди роками чекають продовження будівництва і отримання квартири! Саме тому банки неохоче кредитують такі покупки, а якщо дають згоду, то під великі відсотки. Компенсувати це може невисока вартість таких квартир, особливо, якщо кошти вносять ще на стадії будівництва фундаменту.
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Банки враховують всі нюанси будівництва: компанію — забудовника, хто інвестори, терміни здачі будинку в експлуатацію і передачі житла у власність. Зібрати всі необхідні документи практично неможливо. Кредитор може запропонувати вам покупку квартири лише в акредитованому (заздалегідь схваленому їм) об’єкті.
Найкращий варіант — звернутися в компанію забудовника того будинку, в якому ви хотіли б жити. Там можна дізнатися всю інформацію про банках, з якими вони працюють. В цьому випадку ви надасте лише документи про посвідчення особи і про вашу платоспроможність.
Купівля квартири в уже збудованому новому будинку більш сприятлива для іпотечного кредитування і безпечна для покупця. Більше довіри у банків і клієнтів, коли будинок побудований, підведені всі комунікації і готові документи про здачу його в експлуатацію. Позичальник зобов’язується виплатити перший внесок на квартиру в розмірі 20% від її вартості відразу після підписання Кредитного договору. Для покупки житла, клієнт проходить кілька етапів. Спочатку потрібно вибрати будинок, в якому ви хочете жити, потім — закріпити за собою конкретну квартиру за договором бронювання (він буває платний і безкоштовний, в залежності від забудовника). Наступний етап — схвалення кредиту. Обов’язково знайдіть підходящу страхову компанію — це одне з основних умов надання іпотеки.
e78ca6e867c584cc306f19b2479c0Далі — підписання документів про пайову участь (якщо будинок ще будується). Держкомісія перевіряє ступінь готовності будинку до здачі в експлуатацію. Призначають дату зустрічі всіх сторін договору і підписують документи купівлі-продажу. Житлову площу оцінюють і оформляють банківську заставу. На завершення, видають документ про право власності на квартиру.
Звичайно, є свої переваги в такому придбанні! Жити в новому будинку з сучасним плануванням і всілякими зручностями мріє кожен! Та й облаштована прибудинкова територія порадує своєю привабливістю: дитячі майданчики, місця для паркування авто, куточки відпочинку для мешканців, клумби та зелені насадження. Дуже часто такі будинки обладнають огорожею і охороною.

Іпотека на квартиру в новобудові і споруджуваному будинку Reviewed by Vash-Remontik.ru on . Як отримати кредит на покупку квартири в новому або споруджуваному будинку? Переваги та недоліки такого придбання. Купівля квартири в споруджуваному будинку - д Як отримати кредит на покупку квартири в новому або споруджуваному будинку? Переваги та недоліки такого придбання. Купівля квартири в споруджуваному будинку - д Rating: 0
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