1. Credit gives only the bank, do not seek a loan from a realtor. Loans issued by the Bank, and the Realtor agencies provide mediation services – to help potential borrowers to choose a suitable mortgage scheme commensurate their requests and opportunities to gather documents, etc. 80% of borrowers – people, to exchange their property for the best with the help of a mortgage. To do this you must first estimate of available real estate in the second – the customer's wishes. Except addition, banks have special requirements 2. The main thing for the borrower – not the cost of an apartment, and income level.
When buying an apartment through a mortgage loan, bought real estate is left as a deposit – the bank is guaranteed to return credit. However, the aim of the bank – not only to return the money invested, but also earn an income (loan). Therefore, the level of income of the borrower imposed strict requirements. The size of the loan depends on the size of salary. At the request of the bank's total monthly payments on the loan should not exceed 35-40% of monthly income (formal or informal). Based on the borrower's income is calculated for the maximum amount it monthly payments, and already the amount of payments will depend on the maximum size loan that the bank is ready to provide the client. In this mortgage scheme allows to increase the amount of income, taking into account the total income of the spouses.