Buying and sharing an apartment with a mortgage. An apartment in Moscow – today the company is not a simple one. I will not deal with today ‘pitfalls’, which literally packed with the secondary market, and especially primary (New) property. In this article I will try to consider the possibility of buying housing in a situation where the funds to put it mildly, inadequate. So where do you start a mortgage? Firstly, with the value of your income. And what it is, the higher your chances of getting the approval of the credit committee of the bank. Monthly amount paid, which contains the actual loan and interest thereon, may not exceed 50% of your income – you see it is necessary for something to live. Bandwidth income is the main, but not decisive in obtaining a mortgage. In second place in importance is the position, profession, education, place and length of service including in last place.
If you are trading on the Cherkizovsky market (which authorities have promised to close soon) and your income is equal to $ 5.000 per month anderrayder likely will not approve your application, even though the amount of your income. But if you are a good specialist, with a salary of $ 2.500, working in one of the companies included in the Top-500, then most likely you will get your desired loan. The reason is quite simple: The bank is primarily assesses the reliability and predictability of future income of the borrower, and the reliability of what one can say if a person trades at a closing market? Perhaps, after closing, he did not find work.