Tag: Property

Mortgage on the investment bank Kit Finance consists of several programs – the main mortgage program, "Keith – long-term standard ',' Keith – Monetary Standard ',' Mortgages – the dream 'and others … We will talk about the most common Mortgage Kit Finance. The main program of mortgage finance becoming a member of Keith major mortgage programs Kit Finance, you will be able to take advantage of a mortgage loan of up to 30 years, but you have to pay the initial payment – Kit Finance mortgage loans not exceeding a total of 90% of property value. Moreover, if you can not verify your income documents, you will have to pay not less than 20% of the cost of purchased housing. More several requirements for mortgage borrowers Kit Finance – ages 18 to 75 years, Russian citizens, the total length of service – at least 1 year, with at least 3 months in last place of work.

The minimum rate on your mortgage Kit Finance is 10.75% in rubles and 10.5% in U.S. For more specific information, check out Daryl Katz. dollars, but for such a rate you will pay at least 50% of the value of the acquired property. In a much more common case, if you pay 10% to 30%, your rate amount to 12.75% in rubles and 11.5% in dollars. Mortgage Kit Finance: costs for obtaining a mortgage loan at the bank Kit Finance you'll have to spend on evaluation of purchased housing (1,800 rubles) and three types of insurance risk (your life and work capacity, property and risk of loss of property rights). Do not forget the associated costs – the bank will take a commission for its consideration and application, and for opening the loan account.

Mortgage Kit Finance: Where start? Visit the official site of the bank Kit Finance, or visit the office of the bank – it will tell you about the mortgage KIT Finance in more detail and give a complete list of documents to be submitted. After providing the bank all necessary documents and obtaining a positive decision on the loan needed to find housing and provide the bank documents are already on it. You then need to assess the value of the acquired real estate through an independent valuation of the company and open an account in KIT Finance. It remains to register the contract of sale and provide another set of documents to the bank.

Refine deadlines for registration and documentation of ownership, usually the cost of the contract amount is not included. And finally, there are some points on which it is worth considering: Do you think that simply buying an apartment? You are wrong! For example, in the opinion of many construction companies, you involved in investment activities. Namely, they are putting in money for profit! In court, it is their main argument. I advise you to learn how to interpret the agreement on share participation in the company where you are going to buy apartment. Keep in mind that the investor bears all the risks. Not bad, provided that the income you did not get! Let it be a contract to purchase a share; In the contract (not all) and you might find this item: “pays interest holders home maintenance costs (electricity, water, heating, cleaning non-residential buildings, removal of domestic waste, etc.) from the transfer of a share paid by the time the housing above the house on the balance service organization. ” Please note that the specific term of this very moment of the transfer is not listed.

Example: The tenants of a house built by the company in 2003, were forced to a year to pay utility Technical services prices (2 times as much), before the house was passed serving organizations; Another point: “The cost of one square. m of floor space is … and can not be changed during the contract. ” All fine, but might get a situation: interest holders of one company, which entered into contracts prior to 2001 (low prices), of course, did not think that this company will change the owner.