To those people who think that the mortgage - this is a purely financial matter (took the money in the debt and then just give percentages), we can confidently say you are wrong! Lending in the bank - a serious challenge that will require you and remarkable organizational abilities, and talents in relationships with others, and sometimes the gift of intelligence. Do not believe me? Then read our next selection, "mortgage-stories" - the real situations of life that we asked to comment on market experts. Interest, which recalled four years ago took the mortgage, then could not pay for it out of the crisis and the accompanying well-known problems. The bank then went to meet me: I had to pay principal and interest to me as if saying goodbye. With the debt paid off I do, and now the bank "remembered" on interest and need to repay them. First of all, the author painted a picture of the story seems weird. How does this - the bank "forgiven"? Not to give loans to banks to "forgive." "Regardless of crisis or other situation, the bank simply can not" forgive "the interest on the loan, because they are the borrower's fee for the use of money - fully confirms this view Alexander Zaikin, General Director of" CLC. Real Estate ". - Providing a loan without interest, the bank has to operate at a loss, no-profit organization is not interested in this, and the bank is no exception. " If still for a moment imagine (imagine something we can do anything), that this situation was, the key question here is - as "forgiveness" has been issued? Do you have any borrower confirming this fact pleasant to him the paper? "All the conditions of the loan agreement must not only be negotiated with the inspector, but also supported by documentary evidence. And even more so when it comes to change them - in this case simply need to add the new arrangements in the supplementary agreement, otherwise the bank would not be no reason to forgive accrued interest to the client, - says Yuri Goldberg, managing partner of the National Insurance and Credit Agency (NSKA .) - Contract and other documents attached - this is the single most important legal regulation of relations and the borrower's bank, in addition to existing legislation, of course. " Concluding the discussion on this topic, the author can not bring an episode from one of his favorite works of literature - "The Tale of Hodja Nasreddin" by L. Solovyov. There HN (Disguised as a sage Maulana Husain) had to heal from the ugliness moneylender Jafar. Jafar relatives, many of which were due to him on this occasion had hoped that the lender will forgive them their debts. But he thought himself Jafar: "I will tell them today that I forgive debts, but receipts I do not return them, receipts will remain with me. And when they had calmed down, start a carefree life, and I will not say anything, I will be silent, but secretly all the time counting. And when each debt will grow tanga tanga ten, and the amount of debt exceeds the value of homes, orchards and vineyards, owned now by my debtors, I'll tell the judge, give up his promise by presenting receipts, selling all their possessions, leaving them destitute and gold fill another pot! ". While preparing the transaction, increased price of an apartment to buy a new building had gathered. The project is accredited by the bank, no problem with approval no. But over time, while preparing to deal, the developer raised the price on his apartment at 150 thousand rubles. Now I, as a borrower, to be a new underwriting - the new price? And can I require that the developer had sold me an apartment at the original price? Answers to all questions will be, unfortunately, disappointing to a potential borrower. The increase in prices means that the monthly mortgage payments will increase - and the bank wants to make sure that the debtor is able to cope with their size. "If there was a solution to the maximum amount of credit, and the high price does not allow the developer to purchase an apartment, you need a new decision on the bank's agreement to provide a large amount of credit", - said Alexander Dyatchin, head of the issuance and service credits of "Flexinvest Bank." As for the possibility that a claim from the builder, then there are necessary legal basis. As the add may be a contract of booking, which is a specific apartment, its cost and duration of the contract. "We need to reserve real estate, so that the developer had no right to unilaterally change the price, but with the right to refuse purchase of the borrower without financial loss if the bank refused to credit", - says Andrey Stepanenko, head of the directorate of services to individuals Raiffeisenbank. In our opinion, recommendation hardly feasible - well, not like real estate developers in some way to limit yourself! So what's the developer will have to search. Well, try for yourself. How do you convince an employer to declassify salary? My income consists of two parts - one paid "in white", the other - "envelope." The actual amount for missing mortgage payments, but only "white" - no. But my employer refuses to confirm the size of my real income. How can I convince him to still issue a certificate? The first question - whether the risk is something an employer? In other words, were precedents for all kinds of information "in the form of bank" pop up then where is not necessary - or more precisely, the tax authorities, and employers get for it, as they say, "the neck"? All the experts we surveyed unanimously declared that this does not happen. "We do not know about these cases" - emphatically expresses the general opinion of Sergei Kozlov, director of the credit department SDM-Bank. Alexander Dyatchin ("Flexinvest Bank") adds to the functions of the Central Bank, which checks the banks and have access to credit files does not include control over the payment of taxes by borrowers. A FNS can not just ask the bank documents in individuals. "Banks are not allowed to disclose information about their customers. Documents and information from the credit file provided by the bank only on request of inquiry and investigation at the request of the court, that is, when a borrower in respect of a criminal case or the relevant authorities it shall be an institution "- complements colleagues Kazhikina Irina, Irina Kazhikina, Head of Mortgage Services "RELAYT Real Estate." This is how Irina Kazhikina advises persuade fearful of the employer. Convince a head will be very difficult. Moreover, there are chances that when a call from the bank and asked to confirm the total income, the head (or his submission chief accountant) will say that no certificates were not issued, do not know about them ... Unfortunately, these cases are in practice. Therefore, such a council - to negotiate with the head, arguing that the bank has no right to disclose information about a borrower. At the same time necessarily need to ask how much money in this paper will appear, because it happened when the head and / or chief accountant refused to help reflect the entire gray income. Living abroad and paying for an apartment in Russia pays a mortgage. No problems with it. Payments will be completed soon - only in 2025. But now invited to work in the United States on a temporary contract (five years). Can I go? We understand that people are not going to "throw" your loan or sell real estate - he wants to pay him wages in the U.S.. The situation is not very common - however, we interviewed experts do not see in it nothing to worry about. "If the author of this question in a timely manner to fulfill all obligations of the loan, then no problems should arise, - said Alexander Dyatchin (" Flexinvest Bank "). - Only once a year or more (depending on the conditions of the loan agreement with the bank) must be documented to confirm your income. In addition, banks in agreements are usually asked to report on plans for a long absence in the community and provide new contact information - you need to be able to quickly contact the borrower, if necessary, although if the loan will be repaid without delays, no sanctions bank for failure of their plans will not apply. " There will be no problems with the various inquiries about income, banks are so fond of. United States - a country where all the calculations are "in white", the salary of any employee passes through the banks. The employment contract with the employer and bank statement - and no questions Surety have lost their jobs to obtain a mortgage loan guarantor needed. I found it. The problem is that at the time of application to the bank bail this really worked, and now have to deal, and he resigned. Will the bank inspect the surety - again? If the rules and the law, then such a situation - a reason to refuse the loan. As recalled by Alexander Zaikin ("KRK.Nedvizhimost"), the guarantor, as borrower, the lender must disclose to change jobs, change in income, and other changes in financial position that may affect the performance of obligations under the contract. And when will reveal that information were not provided, the bank has the right to demand early repayment. On the other hand, will reveal this is unlikely. The main attention is paid to the bank to the borrower. Usually twice a guarantor is not checked. And he switched on only when it begins to fulfill the obligations of the loan - because the borrower for some reason refused.
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