The application "Mortgage PRO - choose a bank, mortgage insurance" is a mortgage assistant that will solve any issue with a mortgage. Choosing a bank with a minimum interest rate and suitable conditions for the initial payment. Property and owner insurance. Checking the property and the owner for legal purity.
"Mortgage PRO - choose a bank, mortgage insurance" - your home click in real estate and lending. Compare mortgage conditions in banks: Sberbank mortgage, VTB mortgage, Alfa, Otkritie, Gazprombank. Choose the best conditions for insurance.
Application functionality:
✦ Mortgage. Selection of a mortgage solution.
Here you can compare all the offers of banks on mortgages and find the most profitable. Also send an application for a mortgage to all banks. Online, you will be able to consider mortgage options and offers from banks - Sberbank Mortgage, Domclick, VTB Mortgage, Alfa Bank Mortgage, Sber Mortgage and other major players in the mortgage lending sector, evaluate the interest rate, the amount of the monthly payment.
✦ Mortgage life and property insurance.
Mortgage insurance is a protection of the borrower from financial losses and a guarantee of repayment of the debt to the bank in unforeseen situations. If the mortgaged real estate or the life and health of the borrower suffer, the insurance company will close the debt to the bank. Property insurance, mandatory by law when applying for a mortgage.
• Life and health insurance
Buy a policy and get a reduced mortgage rate, and in the event of an accident, be sure that the insurance company will pay the bank your loan.
• Real estate insurance
The property is insured against fires, natural disasters and damage. This will protect you from debt to the bank - in a critical situation, the insurance company will assume liability.
✦ Report on the property from the USRN.
The document is necessary to obtain information about the property and the owner, to check the absence of encumbrances, restrictions, pledges. The report contains all the information from the USRN statement (Rosreestr) - this is the main way to check real estate before buying and a way to protect yourself from scammers.
✦ Mortgage calculator.
Mortgage Calculator is a program with which you can calculate the maximum loan amount, determine the amount of the monthly payment, understand what the overpayment will be depending on the loan term. The main data used in the calculation is the value of real estate, the amount of the down payment, the interest rate, the loan term and the type of payments: they can be annuity and differentiated.
When lending, including mortgage, two types of interest rates are used:
• fixed;
• floating.
The fixed interest rate remains unchanged throughout the term of the contract. Floating, unlike it, is tied to some index that can change.
Floating interest rate in Russia is not very common. In some cases, a hybrid option is used, in which the rate consists of two parts - fixed and floating.
Mortgage payments can also be calculated in a variety of ways.
There are two options:
• annuity;
• differentiated.
Annuity payments do not change during the entire time that the borrower uses the loan. Part of this payment is the principal debt, the other part is the interest on the mortgage. First, the borrower basically pays the accrued interest, and only then repays the loan.
Differential payments change accordingly. When using this scheme, the body of the loan is divided into equal shares. Therefore, by the end of the loan period, payments decrease, but at first they will be large.
Annuity is less profitable, but more convenient. This method of determining payments allows you to plan expenses in advance.
Application "Mortgage PRO - choose a bank, mortgage insurance" - save your time and effort! Click House is a mortgage assistant in Russia.
"Mortgage PRO - choose a bank, mortgage insurance" - your home click in real estate and lending. Compare mortgage conditions in banks: Sberbank mortgage, VTB mortgage, Alfa, Otkritie, Gazprombank. Choose the best conditions for insurance.
Application functionality:
✦ Mortgage. Selection of a mortgage solution.
Here you can compare all the offers of banks on mortgages and find the most profitable. Also send an application for a mortgage to all banks. Online, you will be able to consider mortgage options and offers from banks - Sberbank Mortgage, Domclick, VTB Mortgage, Alfa Bank Mortgage, Sber Mortgage and other major players in the mortgage lending sector, evaluate the interest rate, the amount of the monthly payment.
✦ Mortgage life and property insurance.
Mortgage insurance is a protection of the borrower from financial losses and a guarantee of repayment of the debt to the bank in unforeseen situations. If the mortgaged real estate or the life and health of the borrower suffer, the insurance company will close the debt to the bank. Property insurance, mandatory by law when applying for a mortgage.
• Life and health insurance
Buy a policy and get a reduced mortgage rate, and in the event of an accident, be sure that the insurance company will pay the bank your loan.
• Real estate insurance
The property is insured against fires, natural disasters and damage. This will protect you from debt to the bank - in a critical situation, the insurance company will assume liability.
✦ Report on the property from the USRN.
The document is necessary to obtain information about the property and the owner, to check the absence of encumbrances, restrictions, pledges. The report contains all the information from the USRN statement (Rosreestr) - this is the main way to check real estate before buying and a way to protect yourself from scammers.
✦ Mortgage calculator.
Mortgage Calculator is a program with which you can calculate the maximum loan amount, determine the amount of the monthly payment, understand what the overpayment will be depending on the loan term. The main data used in the calculation is the value of real estate, the amount of the down payment, the interest rate, the loan term and the type of payments: they can be annuity and differentiated.
When lending, including mortgage, two types of interest rates are used:
• fixed;
• floating.
The fixed interest rate remains unchanged throughout the term of the contract. Floating, unlike it, is tied to some index that can change.
Floating interest rate in Russia is not very common. In some cases, a hybrid option is used, in which the rate consists of two parts - fixed and floating.
Mortgage payments can also be calculated in a variety of ways.
There are two options:
• annuity;
• differentiated.
Annuity payments do not change during the entire time that the borrower uses the loan. Part of this payment is the principal debt, the other part is the interest on the mortgage. First, the borrower basically pays the accrued interest, and only then repays the loan.
Differential payments change accordingly. When using this scheme, the body of the loan is divided into equal shares. Therefore, by the end of the loan period, payments decrease, but at first they will be large.
Annuity is less profitable, but more convenient. This method of determining payments allows you to plan expenses in advance.
Application "Mortgage PRO - choose a bank, mortgage insurance" - save your time and effort! Click House is a mortgage assistant in Russia.
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