Mortgage for pensioners in Sberbank. Mortgage for pensioners in Sberbank

Each of us, as soon as he reaches retirement age, begins to think that his life was rather moderate and calm. But it should be noted that not many people of retirement age, unfortunately, do not live in their own houses or apartments. Indeed, today there are such pensioners who only dream of realizing what they want. But here, unfortunately, another question arises - the majority of pensioners have a negative attitude towards obtaining mortgage loans. They are just afraid to do it. However, there is nothing to be afraid of. And in this article, we will tell our readers about how to get a mortgage for a pensioner in Sberbank. But this complex issue deserves a closer look.

It is worth mentioning that special programs with lower interest rates are provided for this segment of the population. Retirees have certain benefits. But mortgage loans are different. Most banks do not risk issuing loans to pensioners to purchase housing. This came about for many reasons:

The older a person is, the more he is at risk of various diseases or even death. And the demand for money from a person who is no longer alive is, as a rule, impossible.

Minimum pension. If a pensioner does not have additional sources of income, then, unfortunately, he cannot make mortgage payments on his own.

Single pensioners. Everyone knows that married couples are more suitable clients for a bank.

Sberbank and conditions for granting a mortgage loan to pensioners

Sberbank of the Russian Federation is one of the largest banks in Russia. Only this banking institution was able to develop a special loan program for pensioners, with which you can buy real estate. Most customers opt for Sberbank, since the conditions that it offers to its customers are more affordable and loyal, unlike other banking organizations.

When dreaming of obtaining a loan, a pensioner needs to read the conditions for a mortgage. In this case, the main criterion in this matter is the age of the client. The loan must be repaid before reaching a certain age period. He is 75 years old. If we take into account that the retirement age for women is 55 years, and for men - 60, then these people will have a lot of time left to be able to repay the loan. This factor means that mortgage terms will be reduced to 14-20 years for those people who have reached retirement age.

Who can be a borrower

Of course, it is impossible to get a mortgage loan quickly and easily in any banking organization. Suppose Sberbank has the following requirements for its customers:

Citizenship of the Russian Federation.
There must be a temporary or permanent residence permit on the territory of Russia.
A certain level of income to be able to make monthly payments on the loan. In the same case, if the amount of income is insufficient, then the pensioner will hear a refusal to apply for a mortgage.

List of required documentation

When applying for a mortgage loan, the Pensioner must provide the bank with the following documents:

Retiree application.
If the pensioner has co-borrowers or guarantors, then they must also fill out applications without fail.
Passports of the Russian Federation from all participants in this transaction.
Papers certifying the availability of income (these include a certificate from the Pension Fund of the Russian Federation on the payment of a pension and its amount, a document from the place of work, information about the savings that the borrower has).
A package of documentation for real estate, which will be the object of this report.
In the event that other real estate acts as a pledge, then you need to present all the documents for it.

Having carefully studied this list of documentation, we can draw the following conclusion: The process of obtaining a mortgage for pensioners is practically indistinguishable from obtaining this loan for other segments of the population.

What types of mortgage loans are available for retirees

Mortgage for pensioners in Sberbank is a very important service. But before you take advantage of this offer, you need to study all the conditions in 2016.

If we talk about the type of mortgage loan, then the Savings Bank of the Russian Federation has developed many different banking products. They are divided into the following groups:

Mortgage loans. This product implies the purchase of ready-made housing or still under construction, or personal construction).
Special loans (acquisition of real estate outside the city limits, refinancing program, purchase of a garage).
Pensioners can only apply for mortgage products. But they, unfortunately, do not have the opportunity to issue a loan on special offers.

Features of a mortgage for pensioners

This service has a number of several features of mortgage lending for pensioners:

Funds can be issued to the client both in Russian rubles and in other currencies (dollar, euro).
The initial payment should be at least 11-15%.
The bank can provide its client with no more than 87% of the market price of the acquired property.
The loan repayment period is limited by the borrower's age of 75 years (the loan must be closed by this age).
Acquired housing can act as collateral.
The interest rate set for a mortgage is 12-13%.

There is also such a thing as a military pensioner. For this segment of the population, the conditions for obtaining a mortgage remain the same as for other citizens who have reached retirement age. Upon retirement, they have the right to be participants in the mortgage savings system.

Any person, reaching retirement age, begins to think about how his life should proceed measuredly and calmly. Unfortunately, not all people live by this time in their own apartments. There are those among them who still only dream about it. But here a completely different problem arises - pensioners have a rather negative attitude towards loans. Sometimes they are simply afraid to take out a mortgage from a bank.

This attitude has developed because of the low financial situation, because the size of the pension leaves much to be desired. With low incomes, pensioners often have to simply exist.

The positive aspect of this whole situation is that today banks are actively developing profitable loan offers for their customers. So, in Sberbank, mortgages have become an affordable option for many pensioners.

attitude towards pensioners

It must be said that in the West, pensioners in old age have long begun to take loans and significantly improve their living conditions. In Russia, the last few years have also seen the interest of pensioners in loan offers. They are willing to take out loans to improve their lives. This trend has given rise to the need for credit institutions to develop more and more interesting banking products for their customers.

Today, many will not be surprised at all that it is not difficult for a pensioner to take a loan from Sberbank. They even have more loyal programs with lower interest rates. This category of citizens has significant benefits.

But with mortgages, the situation is somewhat different. Not every bank is ready to allocate money to a pensioner to purchase property. This attitude has developed for a number of reasons:

The older a person is, the more they are at risk of getting sick or even dying. At the same time, it is impossible to ask money from an inanimate person. Few are willing to take that much risk with the assets provided.
Low pension payments. If a person does not have other sources of income, then he is unlikely to be able to pay the mortgage on his own.
The number of single pensioners. It is known that married couples are considered the most favorable clients for banks.

Sberbank and conditions for granting mortgages to pensioners

Sberbank of Russia is the largest bank in the country. It was this credit institution that first developed a loan product for pensioners, allowing them to purchase their own housing. Many choose Sberbank, because the conditions it offers are the most preferential and affordable than in other banks.

In order to get a loan, a pensioner must familiarize himself with the terms of the mortgage. So, one of the most important is the age before which it is necessary to repay the debt on the loan. In Sberbank, this value is 75 years.

Considering that women retire at 55 and men at 60, they will have enough time to pay off their debt. This means that the mortgage term is reduced from a maximum of 30 to 15-20 years for people of retirement age.

Who can become a borrower?

Of course, you can’t just get a large amount of money in any of the banks. For example, Sberbank imposes the following requirements on its potential borrowers:

Russian citizenship;
temporary or permanent registration in the country;
the presence of a sufficient level of income to pay the obligations presented monthly (at the same time, the income must ensure the life of the pensioner and cover the monthly payment).

If suddenly the amount of income is insufficient, then the pensioner will be denied a mortgage loan.

List of required documents

When deciding to apply for a mortgage, a pensioner must provide the following package of documents to Sberbank:

application-questionnaire of the pensioner;
if he has co-borrowers or guarantors, they are also required to fill out questionnaires;
passports of all participants in the transaction, including the borrower;
documents that confirm the availability of income (this includes certificates from the PFR on the provision of a pension and its amount, certificates from work, information about the borrower's savings; the same documentation is provided for guarantors and co-borrowers);
documents for real estate, which is the object of the transaction;
if other real estate is used as collateral, then it is necessary to submit documents for it.

Studying the list of required documents, we can conclude that the procedure for obtaining a mortgage by pensioners is almost no different from obtaining the same loan by other segments of the population.

What types of mortgage loans are available to retirees?

Sberbank has developed a fairly extensive line of banking products. They are usually divided into the following groups:

mortgage loans (this includes the purchase of already built housing, still under construction, as well as self-construction);
special loans (refinancing programs, buying a home outside the city, buying a garage).

For pensioners, only mortgage products are available, but they can no longer receive money under special offers.

Features of a mortgage for pensioners

There are a number of features of the mortgage provided to pensioners:

funds can be received both in rubles and in dollars, euros;
the amount of the down payment should not be less than 10-15%;
the bank is ready to provide the client with no more than 85% of the market value of the purchased dwelling;
the term of payments is limited to the age of 75 years (by this moment all obligations must be repaid);
the acquired property can become a pledge;
Loan interest is usually set at 12-13%.

There is a concept of military pensioners. For them, the conditions for obtaining a mortgage are the same as for all other citizens who have reached retirement age. They no longer have the right to become a member of the savings-mortgage system, having retired.

Mortgages at Sberbank for working and non-working pensioners remain available, but subject to a number of mandatory conditions. The most important of them are the age of the borrower, as well as his ability to pay.

A pensioner who wants to receive a mortgage loan from Sberbank must meet the requirements for borrowers:

The age limit on the loan repayment date is 75 years with proof of income, 65 years if there is no proof.
Citizenship of the Russian Federation.
The spouse acts as a co-borrower, except in the case of a marriage contract, which defines the procedure for separate ownership of property, or the spouse is not a citizen of the Russian Federation.
The maximum number of co-borrowers is 3 people, whose income is taken into account when calculating the maximum loan amount.
The bank charges a fee (up to 3% of the loan amount) for opening and maintaining an account, to which the pensioner will transfer the current payment on a monthly basis.

The final interest rate on the mortgage must be specified in the contract. It differs from the minimum declared upwards, since the cost of insurance, account maintenance and other surcharges are added to it.

What is the purpose of the loan?

On the security of real estate (existing or being acquired), a mortgage is provided to pensioners in Sberbank for the purchase of:

Apartments;
Houses;
Land plot;
Housing under construction.

Depending on what kind of housing it was decided to buy, what are the financial possibilities and the collateral provided, the bank offers various lending conditions. Each application is considered individually, and as a result, a bank employee will tell the client about the conditions under which he is offered a loan (amount, term, interest rate).

Mortgage for an apartment

For this type of lending, the conditions for providing borrowed funds to pensioners are as follows:

The minimum amount is 300 thousand rubles.
The maximum amount is calculated taking into account:

the appraised value of the purchased apartment or collateral - up to 85% of its price;
the income of the principal and co-borrowers.

Down payment - from 15% of the cost of the purchased apartment (under the contract of sale).
The deadline for lending is determined taking into account the age of the pensioner and confirmation of his income.
Collateral is the property being acquired or otherwise owned.
Life and health insurance of the borrower, as well as collateral. You can refuse life and health insurance, but then the mortgage interest rate will increase by 1%.
Interest rate - from 9.1% when using the service of electronic registration of loan applications. The most favorable rates for those who buy housing built using Sberbank funds. When applying for a loan on 2 documents - the minimum rate is 10.1%.

The term for consideration of the application is from 2 to 5 days from the moment it is received by the bank. The benefit for pensioners and other clients of Sberbank is that no additional commission is charged either for issuing a loan or for its early repayment.

Mortgage on land and/or house under construction

At the discretion of the pensioner, the bank can provide a mortgage loan to finance the purchase of land for development, unfinished construction (the foundation is laid on the site), self-made construction, payment for the services of a construction company and the purchase of building materials for the construction of a cottage on the purchased site.

The loan is provided under the following conditions:

The minimum loan amount is 300 thousand rubles.
The minimum down payment is 25% of the value of the collateral (according to the appraiser's report).
Pledge - a land plot, and in case of shortage - additional valuable property (car, real estate, securities, etc.).
Insurance - the subject of pledge is insured against the risk of loss, death in favor of Sberbank. If the borrower insures life and health, he receives an interest rate discount of 1%.
The interest rate is from 10%, but for clients who do not receive a salary on an account with Sberbank, a surcharge of + 0.5% is set, as well as + 1% for the period between signing the contract and registering a mortgage.
The maximum term is based on the age of the pensioner.
The maximum amount is up to 85% of the assessed value of the collateral.

Like an apartment, land with construction in progress is mortgaged on the terms of repayment of the loan by annuity payments. This means that payments are made once a month on the day specified in the contract, and for the entire period of repayment of the loan, the amount of monthly payments remains unchanged.

If the pensioner wishes to pay off the mortgage ahead of schedule, then he can do this at any time. At his choice, either the amount of monthly payments will be reduced (proportionately), or the return period will be shortened.

Mortgage for a finished country house

The conditions for obtaining a loan for the purchase of a finished cottage with a land plot are slightly different. Pensioners can apply for a mortgage, taking into account the parameters:

The maximum loan amount is up to 75% of the assessed value of the collateral.
The minimum down payment is 25% of the purchase price of the house (under the contract of sale).
Insurance is mandatory for the home, and the life and health of the borrower is optional. Land is not required to be insured.
The initial interest rate is 9.5%, to which +0.5% is added (if the pensioner does not receive a salary on a card or account with Sberbank), and +1% for refusal of life and health insurance.

The final terms for a particular loan are affected by the size of the down payment (the higher, the lower the interest rate), the possibility of confirming income, as well as the choice of the object of purchase - real estate from accredited developers will cost less.

How are the conditions for working pensioners different from the conditions for non-working?

Employment is a decisive factor when calculating a mortgage. The bank wants to be sure that the client will not lose income, allowing him to pay current payments without delay. A working pensioner will be offered a lower interest rate.

Income is confirmed by two documents:

Certificate from the Pension Fund of the Russian Federation on the amount of the pension received;
Help 2-NDFL on the amount of salary for the last six months.

Benefits over the rest are those pensioners who:

Married. The income of both spouses is taken into account, so the maximum loan amount increases and the interest rate decreases.
Attracts co-borrowers. This is especially true for non-working pensioners who cannot submit, in addition to a certificate from the PFR, another document on income.
Receives a pension and a salary on a Sberbank card.

Be sure to take into account the credit history of a potential borrower. If a pensioner has previously applied to Sberbank for a loan, received it and repaid it on time without delay, then he will enjoy all the benefits of a regular customer. The calculation also takes into account the presence of a savings account, to which funds are regularly received.

Summary

In 2018, the conditions for lending to pensioners remained no less favorable than in 2017. Moreover, on the bank’s website, you can find out about various promotions that give mortgage borrowers additional benefits when servicing a loan. To find out the minimum interest rate, taking into account individual conditions, you can use the loan calculator on the bank's website.

The number of people who went on a well-deserved rest and wish to purchase living space using borrowed funds from a commercial organization has increased, while the terms of mortgages for pensioners in Sberbank have remained the same. Banks form various lending programs that allow you to take out a loan to purchase real estate at favorable interest rates.

Despite the interesting offers of financial and credit institutions, a mortgage is not available to every consumer: a pension does not make it possible to pay off a loan, it is necessary to attract a person who is ready to vouch for a borrower with a stable official income.

Purposes for which the loan is granted

Pensioners can choose the optimal lending program that suits them according to their requirements and financial capabilities. Benefits can be used by persons receiving monthly payments to a current account opened with Sberbank.

Pension credit is issued for the purchase of:

apartments;
land for building a house;
suburban household;
housing under construction.

Each individual banking product has its own conditions and requirements. They may be different for working and non-working pensioners.

Features and characteristics of a pension loan

Borrowed funds are provided against the security of a liquid asset - real estate. This is the basic condition of a mortgage loan. But the program also has some features:

a small amount of a possible loan;
the ability to use borrowed funds of the bank up to 75 years;
preferential rate on the loan - 11-16 percent per annum.

Reduced interest rates are provided only for pensioners. If an individual has issued a loan while being employed, all payments are made on general terms. When you retire, the interest rate decreases. When applying for a loan at 50 (women) and 60 (men) years, the loan is repaid in equal installments.

Sberbank provides these benefits when issuing a mortgage only to pensioners. A commercial institution does not require guarantors - possible risks in the event of the death of the borrower are covered by insurance.

Terms of lending in Sberbank

It is possible to get a mortgage when an individual meets the requirements of the bank. You can get a home loan if the borrower meets the following criteria:

employment is desirable, it is more difficult for non-working citizens to take a loan;
insurance is required;
repayment period - 10-15 years;
initial payment from 20%;
having a positive credit record.

Compliance with all requirements is not a guarantee of obtaining a loan for the purchase of finished or under construction living space. But it increases the likelihood of a positive response to the application.

Commercial organizations most often provide mortgages to married pensioners. It will be easier for spouses to pay off the loan, since the total income is greater. Obtaining a loan on general terms, as for certain categories of customers.

Mandatory documents and requirements for borrowers

Sberbank makes certain requests to its customers. To get a mortgage you need:

The borrower must meet not only the requirements of the financial and credit institution, but must also provide the necessary package of papers.

List of documents for applying for a loan:

identity card with Russian citizenship, residence permit (original, copies);
completed application form for the borrower;
certificates from work, PFR (with notes on wages and pensions);
securities for a liquid asset;
pension book.

The amount of the mortgage can be increased by the co-borrower. They must meet the same requirements as the pensioner himself, as well as submit similar documents.

Lending to non-working citizens

The first thing a commercial organization looks at is the income of the borrower. Citizens who have retired and receive payments from the PFR and salaries can hope for a positive response from the bank.

The financial institution also offers a solution for non-working seniors. Previously, a potential client is checked for a good credit record, the ability to repay monthly payments.

For each individual, a credit line repayment schedule is selected depending on the amount of earnings, how much money the borrower has left after making mandatory contributions.

Both unemployed and working pensioners are served on the same terms. But a positive result depends on the total monthly income - pensions and additional profits.

A pensioner needs to assess his real opportunities before applying for a mortgage loan:

find out exactly all the conditions for granting a loan for non-working citizens;
calculate monthly loan payments using the services of a manager or a calculator located on the Sberbank website;
based on the results obtained, determine your capabilities.

Mortgage Calculator

You can get complete information when visiting the office of a credit institution and consulting with a mortgage lending specialist. In the absence of doubts about the repayment of the loan, you can collect the necessary package of documents and conclude an agreement.

Sberbank, like other commercial institutions, is much more willing to issue mortgages to military pensioners, since their solvency is guaranteed by the Russian state. Employees of the Ministry of Internal Affairs, the Ministry of Emergency Situations, as well as the FSB of Russia are also equated to this status.

Mortgage lending to pensioners is one of Sberbank's offerings. The program has been developed taking into account the needs and capabilities of older people who want to purchase real estate using borrowed funds from a commercial organization. Before applying for a loan, you should carefully read the conditions and requirements of the bank.

Against the backdrop of the stabilization of the economic situation in the country, the interest of borrowers in mortgage loans is growing more and more, because often this is the only way to improve their living conditions. The interest of banks in attracting bona fide borrowers is also great, so mortgages at Sberbank are becoming more affordable for pensioners, because despite the possible risks, practice shows that people of retirement age approach the issue of lending in a more balanced and conscious manner.

Sberbank was one of the first to develop and offer consumers an affordable loan product. It is worth noting that Sberbank is one of the few banks in Russia that considers mortgage applications from borrowers of retirement age whose income is only pension payments (non-working pensioners).

The minimum interest rate on a mortgage loan for the current day is 7.4%, but this percentage is available only if several conditions are met:

Life insurance of the borrower (mandatory for pensioners) will save 1%;
Registration of ownership rights remotely/online (without visiting Rosreestr and MFC) - 0.1%;
Reducing the interest rate with the help of the developer - the minimum rate is 7.4%. You can use this service only in accordance with a certain list of developers participating in the promotion and presented on the Sberbank website. It is important to note that in order to receive a 2% discount, the borrower must take into account the restrictions on the mortgage term (no more than 12 years). You can find detailed conditions for obtaining a mortgage at Sberbank in this article.

The minimum mortgage loan amount is 300 thousand rubles, and the maximum cannot exceed 80% of the appraised value of the dwelling. The down payment can vary from 15 to 25%, depending on the object of purchase.

If the borrower applies to Sberbank for a mortgage loan before retirement age, then the terms of the loan will be calculated on a general basis, but when the borrower becomes a pensioner.

The terms of the loan repayment can be changed in accordance with the income of a citizen:

Reduced monthly payment;
The term of the mortgage loan has been extended.

Officially, the bank does not require the presence of a co-borrower or guarantor, but in practice, the presence of one of them significantly increases the chances of loan approval. In addition, when applying for a mortgage, the borrower can attract a spouse as a co-borrower, which will increase the amount of the total family income and also the chances of loan approval.

Requirements for borrowers

A pension mortgage at Sberbank has its own nuances, and in order to minimize all risks, Sberbank imposes a number of requirements:

Possession of Russian citizenship and registration at the place where the mortgage loan is granted;
The age of the borrower at the time of repayment of the loan should not exceed 75 years, while in many other banks the age limit is limited to 65 years;
Due to the increasing risks when issuing a mortgage loan to people who have reached retirement age, Sberbank obliges borrowers to take out life insurance so that in the event of an insured event, the borrower's obligations are fulfilled by the insurance company;
The amount of the borrower's income must be sufficient to service the loan (as a rule, the monthly ratio of the loan to the balance of free funds is 60/40).

To apply for a mortgage, you will need a fixed package of documents (depending on the specific case, the bank has the right to request additional documents):

Application form of the applicant (can be downloaded on the Sberbank website or filled out at the branch);
Original passport;
Confirmation of the amount of accrued pension for the last 180 days (relevant certificate can be obtained from the pension fund);
Pension certificate (original).

If the borrower is a client of Sberbank and receives a pension on a bank card, then information on the amount of the pension does not need to be provided.

In the event that the borrower is still working, proof of income will be required: a 2-NDFL certificate or a certificate of income in the form of a bank for the last 6 months, as well as a certified copy of the work book from the place of work. If the borrower's salary project is served by Sberbank, confirmation of income is also not necessary.

Working and non-working

The loan can be approved for both working and non-working pensioners.

In practice, a loan is approved more often for working pensioners for two reasons:

The total amount of income of a working pensioner is usually higher, which means that the maximum loan amount is higher, and the chances of mortgage approval increase;
In addition, a working pensioner takes an active life position, which affects his health, and, as a result, life expectancy.

A non-working pensioner may also qualify for a loan if his income is sufficient to service the debt and if there is a co-borrower.

Sberbank programs

Pensioners often take out mortgage loans to improve the living conditions of their own children or grandchildren, but also, when they retire, citizens tend to buy real estate in gardening communities or decide to move to a permanent place of residence outside the city. Taking into account the demand of borrowers, Sberbank has developed the following mortgage programs with different interest rates.

Finished housing

When buying a finished apartment, the borrower must ensure an initial payment, which cannot be less than 15% of the value of the purchased residential property. In this case, the maximum loan amount may not exceed 85% of the cost of the dwelling. The maximum term of mortgage lending is 30 years, but does not exceed the period in which the borrower reaches the age of 75 years.

The minimum mortgage loan rate will be 9.4% per annum with annuity payments, that is, equal amounts throughout the entire loan term.

Mortgages in Sberbank are provided in rubles, no matter what program the borrower uses.

Promotion for new buildings

Purchasing an apartment under construction with the help of Sberbank's mortgage program may turn out to be the most profitable loan solution for pensioners in 2019. The Sberbank website features a number of developers offering a 2% discount on a mortgage loan in the event of a sale and purchase agreement for a residential property being built directly by the selected developer. This will reduce the interest rate to a minimum of 7.4% per annum.

Home construction

The borrower can apply for a mortgage for the construction of a house, the purchase of a land plot, or the purchase of a plot with a residential building in progress. To do this, the borrower must have an initial payment of at least 25% of the final cost of the house, based on an estimate calculated by accredited organizations. The loan amount is provided to the borrower in 2 stages in parts as soon as confirmation of the fact of construction is received.

country estate

The procedure for obtaining a mortgage for the purchase of a country house meets the requirements for obtaining a loan for construction. The only difference is that the loan amount is issued in full, and the appraisal of the residential building is of primary importance when the loan is approved. A loan for the purchase of a dilapidated structure that does not meet the standards of living quarters will not be approved.

The minimum interest rate for the purchase of a residential building outside the city will be 10.5%.

Mortgages taken under any of the presented programs can be repaid ahead of schedule without charging penalties or fines.

For a bank to make a positive decision, a borrower who has reached retirement age will not be out of place:

Receive a pension through a Sberbank account, which will automatically reduce the number of documents required for submission;
Have a good credit history;
In the event of continuing employment, receive a salary through the payroll project with Sberbank;
Be able to attract a solvent co-borrower or guarantor;
If the borrower has a credit card, it must be replenished by the amount of the provided limit, and it is better to close it;
Increase total income by attracting a spouse as a co-borrower;
Have a savings account with Sberbank;
Own a dwelling that can be pledged to a bank for a loan received. Earlier we already wrote about how to get a loan secured by real estate in Sberbank.

Military pensioners can count on a mortgage loan from Sberbank in 2019 on more favorable terms in accordance with Federal Law No. 117-FZ of 20.08.

Convenient online mortgage calculator for calculating monthly payments on a mortgage overpayment amount.

Summarizing

Thanks to the record rate cut, mortgages are becoming more attractive and, of course, more affordable for all borrowers, including pensioners.

If, after submitting the application, the borrower was refused, you must contact a specialist in the mortgage department of the nearest branch of Sberbank. A bank employee will help calculate the required income, which can be generated by attracting a co-borrower, as well as provide options for repaying a loan on individual terms, possible in each specific case.

Before applying to a bank for a mortgage loan, it is necessary to sensibly assess your own solvency, because in case of delay in monthly payments, every day the borrower will cost 0.2-0.5% of the monthly loan amount.