To begin with I would like to say a few words about when and how did the mortgage.What is this operation is, already known in ancient Rome and ancient Greece.In those days, such words are called post, which was established on the ground of the debtor under any obligation.In the column designated by the names of the borrower and lender, as well as the date on which the debt must be repaid.From the territory, marked in a way the person who had a debt, it was impossible to make anything or take out.
In pre-revolutionary Russia also exist mortgages.What is the direction of financial activity, there has been almost forgotten in the years of Soviet power.So many people today, take advantage of this financial service, often caught in a quandary, because that is not calculated its strength.In Russia, with ages 13-14 know what a mortgage (real estate), which according to the rules, those who could not repay the debt, lost their property, giving its merchants, moneylenders or sometimes even monasteries.Mortgages same similar to a modern, in the Russian Empire appeared in 1881.
Which countries are best developed mortgage?What to take credit for the purchase of housing in the long term to 30 years at a small rate of about 6% per annum, most Americans are aware.The people of this country until the recent economic crisis willingly took long-term loans to buy a house.All the more so when the price is about 1-2 thousand dollars per square meter, many of them have paid 5 thousand. Dollars a month.Today, loans for housing in the United States is issued for up to 15 years, and many of the inhabitants of cute cottages became homeless because of job loss and the inability to repay the loan.Mortgages without payment was not extended.Iea potential property owner must have received about 10-20% of the vending his apartment.
To Russia could come close to pre-crisis standards of mortgages in the United States, it is necessary that the economy has not experienced serious shocks.In this case, organizations and individuals are investing money in banks for the long term, which will enable credit institutions to provide long-term loans with minimum interest rates.Today, more or less considerable financial resources of such a plan have only the largest financial institutions, like the "Savings Bank".
Calculate mortgage may be using a loan calculator offered by banks.To do this, select the currency, and credit terms to determine its net income to calculate the existing funds for the purchase of property (not less than 10%), to find out which programs are for this or that category of the population (for example, young families), and others.
Russianthe economy is not experiencing serious impacts during the last global crisis, so many families became available mortgages.What is a mortgage for those who took advantage of her?The first is the opportunity to live in a house near his own, giving the money to purchase it, rather than rent.For those who took out a loan to an increase in housing prices and successfully extinguish it, this financial service was an opportunity to make good money by selling apartments at a higher cost.However, there is a large group of people who have lost their jobs and were unable to buy back the coveted square footage.Therefore, at the conclusion of mortgage contracts need to carefully weigh the risks, especially if the family is only one person has enough high incomes, using which is supposed to extinguish the loan.
