The decrease in the refinancing rate of the Central Bank of the Russian Federation to 7.25% served as an additional incentive for the growth of the mortgage market. Of course, this has led to an increase in the number of borrowers planning to buy inexpensive suburban real estate in the Moscow region. After all, purchasing your own house is much more profitable than renting an apartment in a remote area of Moscow.
The most attractive conditions for buying a house are offered to young families with a child and are ready to become parents more than once, and, of course, to large families. Currently, the base rate on a mortgage loan averages 9.25%. Banks, as a rule, offer a rate of 10.5-11%, trying not to advertise the possibility of purchasing a country house at a lower interest rate. At the same time, they are extremely reluctant to recall proposals to reduce the rate, for example, with insurance.
We count correctly, find out the nuances
When planning to buy from partners of the bank, for example, a country house that is under construction, you need to know that this will help reduce the rate by 2%, and with life and health insurance by another 1%.
In addition, many do not even suppose that the "salary" card of the spouse, obtained from the creditor bank, can also serve as a reason for additional recalculation of the loan in favor of the borrower and will save about 0.5%.
Well, and as an additional argument in favor of buying a house on a mortgage, the so-called "icing on the cake" - submission of documents for consideration of a loan in electronic form, which minimizes costs by another 0.1%.
Agree, it looks like small numbers, but in general they will help reduce the amount of overpayment by a rather serious amount. Indeed, for the budget of a family with one, two or three children, a decrease in the monthly payment by several thousand rubles plays an important role.
Your allies
In this case, the specialists of INCOM-Real Estate act as your allies and consultants. Partner banks are ready to make concessions to the company and provide its customers with certain preferences. Moreover, it is possible to select mortgage options with the most minimal costs. For example, only for insurance, down payment and additional minor costs.
Experts of INKOM-Real Estate will offer suburban real estate objects that can satisfy any, even the most demanding buyer. With the help of specialists, it is possible, with the involvement of mortgage funds, to inexpensively buy both a turnkey economy class cottage in a cottage village, and a land plot. And the price will delight you. Do you want to buy a ready-made townhouse or duplex business class at a bargain price - no question! The cost per square meter of real estate in the Moscow region has now decreased, houses are being sold actively and, if we take into account all the nuances associated with minimizing the cost of paying off the mortgage, you can have time to make a very profitable purchase.
