Taking money from a friend or, alternatively, agreeing to help him in difficult times, remember that most litigation arises because of unfulfilled debtoriented obligations. Therefore, make sure that your oral agreement was recorded on paper. It is important to confirm the fact of transfer of money and secure the terms of the agreement. This document should become a guarantee of repayment.

If any of your friends, acquaintances or colleagues asks you to act as a guarantor on the loan agreement, take your decision with full responsibility. Sometimes a rash consent may lead to extremely undesirable consequences for you, up to the loss of certain property. But to refuse to have furnished surety is not easy.

The mortgage is a real opportunity to get their homes, not having the right amount of money. Of course, there are many pitfalls, including a large overpayment at the expense of percent, and also quite rigid terms of payment. But in my apartment it is already possible to live, and not wait until all the accumulated amount.

The mortgage market today offers a wide variety of banking programs, which complicates the choice of the most optimal. To find the best mortgage possible only when the given parameters of the initial payment, amount and terms of credit.

Social mortgage - is a special government project, which aims to assist socially vulnerable groups in the purchase of their own homes. It involves interest rate subsidies or part of the cost of housing or the opportunity to buy apartments on preferential basis.

To properly execute the contract of loan is only half the story. In order to avoid differences and contingencies between the borrower and the lender, must be carefully committed to paper and the process of repayment of the loan. There are several ways by which you can reflect and confirm the refund under the contract of the loan.

In modern times the basis of market relations are relations people. It's one thing when you're asking for a loan or give its money to relatives, and another thing, when borrower want to be friends or just acquaintances. In this case, the receipt is an important document that has legal effect.

Mortgage is the only way Ah many families to acquire their own housing. Upon payment of this loan you can save, for example, if you partially or fully repay it in advance.

Sberbank - the largest Russian Bank in terms of assets and net income. The founding year of the Bank is considered to be 1841, Today Sberbank consists of 17 territorial branches and has more than 19 thousand branches throughout the country.

A mortgage is a complicated matter. The banking organization will definitely require a lot of documents. But it's not just paperwork, but a necessary step for a financial institution. All documents are subject to scrutiny, after which a decision on granting a loan to a specific borrower.

If you encounter financial difficulties, the burden of credit on your mortgage is becoming quite unbearable. In such a situation, the outcome could be a reduction in monthly payments on the mortgage.

The mortgage gives the opportunity to improve their living conditions, but the loss of a job can knock a person off track. Early to despair - to postpone payments on the loan, and without loss of the purchased home.

The housing problem is one of the most acute for the majority of Russians. When own funds for the purchase of housing is not enough to gain maybe a mortgage or home loan. It is necessary to understand the difference between these loans is to choose an optimal option.

To buy housing on their own for a large part of the population almost impossible. Government has developed a number of programs, and more specifically – targeted housing subsidies to facilitate the private purchase of housing to certain categories of citizens. In fact, the subsidies irreversible state loans for citizens who need better housing conditions.

When applying for financial support to friends or family, most people hope to quickly repay the debt and to maintain good relations with those who were able to help in difficult times. And yet everyone understands that life is not predictable and therefore it would be good to issue debt therefore, to avoid any disputes in the future, even in case of delayed return of the loan. In this case, the IOU will be a confirmation of the transaction.

Bank mortgage programs allow you to buy not only apartments, and private homes. However, mortgages for house purchase issued less frequently, because risks of banks in this case the increase.

Quite often it so happens that the money is needed urgently and in large enough quantities. In such situations, the best way to get a loan at the Bank. And one of them is the savings Bank. But to take a loan is not easy. For this you need to execute a number of conditions of the Bank.

Today the market offers a wide variety of mortgage programs. In such a situation it is quite difficult to make the right choice and stay really attractive banking proposal.

Under the terms of the mortgage the borrower receives a loan to buy a house or apartment and draws up real estate as collateral to the Bank. For the acquisition of property is given a certain amount, on which interest is accrued. To pay contributions regularly, in case of delay of payment on the borrower are imposed, the sanctions provided for by law.

A mortgage is a lengthy process and may take more than 10 years. It is clear that during this period, can happen a variety of force majeure, which may result in overdue payments. And it is very important not to lose the interaction with the Bank.

There are situations when you need to purchase something such as a car or an apartment, and no money. Then you go to the Bank, but many banks require a down payment. Sizes can be different from 15% and up to 50%. Is it possible to get a loan without a down payment?

According to statistics, in Russia is about 700 thousand mortgage loans per year. And this is due to the fact that the purchase of housing by yourself for cash can handle a few. And with the ever-rising housing prices to save for it becomes almost an impossible task. Therefore, the mortgage is an excellent tool for those wishing to purchase the apartment. However, what it is like and the history of the mortgage, they do not know everything.

The rate of mortgage lending in Russia is now about 15%. The feasibility of buying property at such rate can be questioned, too big overpayment. But European and foreign banks have a more balanced conditions, which the Russians can only dream of.

Own housing is the dream of every person. But how to buy property if prices steadily rising? This will help you a mortgage.

Sometimes we find ourselves in situations when we do not return the debts. If the credibility of the debtor disappeared, and the process of returning the debt threatens to turn into infinity, you can try to recover their funds in court. But often it is a long procedure. Whether a lending institution or private person to recover a debt without the court? In some cases, pre-trial debt collection will help appeal to a collection Agency.