Making a decision about whether to use a mortgage loan, the consumer first looks at the interest rate. This figure - no doubt - an important and necessary. However, the devil, as we know, lies in the details: the banks come up with various additional exactions. Small individually, together they constitute a very substantial sum. Internet Journal of Real Estate Metrinfo decided to sort out the problem. Announce the full list, please! Nice to start the article with a statement of change for the better! Two years ago the very first mortgage was at a waste fee for loan application. The work consisted in the fact that employees of the bank's credit committee, puffing his cheeks to the importance of, and studied the documents provided by the potential borrower. It should be noted that these small (3-5 thousand) money does not guarantee that the loan will - you paid for the work, the result of which could be negative. But fortunately, in the spring of 2007 (ie before you started the mortgage crisis) banks for the most part eliminated this exaction. Others, however, remained. The first of them - real estate valuation, which will be the subject of the pledge. Is inexpensive - 4-5 thousand. Theoretically, this work may be performed by any company that has a license. In practice, of course, each bank has "friendly" companies, whose services to use and recommend. The following expenditure - insurance. "This payment - one of the most tangible, - says Marina Galaktionov, director of partnership development company" LOAN MAX. " - Insurance is necessary for the duration of the loan repayment - the tariff on it can be added to the percentage of the loan. " With insurance, as happens in the jokes, there are two pieces of news - good and bad. The first is that the insured should not the entire cost of the apartment, and only the remaining amount to pay the loan. Gradually extinguishing the loan, the borrower reduces the size and of this amount. The bad news is that the amount required to insure a 10% increase - if you owe the bank $ 200,000, the insurance will require $ 220. And - most importantly - how much is this insurance? Banks say that "1%", but in fact the insurance companies constantly seek out ways to "drive" the amount. In general, be guided by 1.5-2% - can not go wrong even one payment, continues M. Galaktionov - loan fees. Maximum, said the expert, it may be 1-1.5%, and may not be anything: banks often hold shares for which supersede this collection. Still quite significant - 0.5-1% - charge for cashing. The idea is that the bank gives you a non-cash credit for turning in which the familiar and tangible bills you have to pay. Bankers say that this payment can be avoided if the deal does not hold with the cash and bank transfer. But are there many in our market sales of apartments to agree to such an option? The relatively small amount (the level of several thousand rubles at a time) may be taken for maintaining the loan account for the recalculation of the monthly payments, etc. Some banks may penalize customers if they want to repay the loan ahead of schedule. Amounts there significant (10%). True, like Valeria Rodionov, head of the branch "Sivtsev Vrazhek" of "new town" of such policies adhere to all the banks are not - some are allowed to put out early without penalties from the first month. And those who kept the moratorium on early repayment of its term, usually very short - within six months. "Operation Clean Hands" There is such a thing - the "effective rate", ie, the percentage who actually pays the borrower on the loan. Up to what size can bring her "small" additional levies? In the record here, of course, no mortgage and consumer loans - where the amount is less and less people in general are all carefully calculate and verify. The figures, which sometimes come from the market, the imagination: in the press recently have read about the loan, the effective rate at which is 192% (!) Per annum. In mortgages, it is clear such heights unattainable (it turns out that in a year must pay the price for almost two apartments of one percent), but also the amount of leave rather big. Clearly, to show their effective rate does not bankers, with his hands, and at one time in every way they refused to do so. But in 2006, in the process broke for some reason, the Federal Service (the very agency that was struggling with a Georgian wine, then with the Latvian sprats) and fined several banks. Fines are ridiculous - 10 thousand, 50 thousand ... But Bankers hint authorities realized today in all contracts a loan effective interest rate is registered. "This figure is from the borrower can not be hidden, - says Olga Guseva, head of marketing of the Group companies' Domostroitel." - When signing a contract, he will still have to testify that familiar with it. " The only thing left to banks - is to write letters for getting smaller and hidden in the text of the treaty deeper passion for insurance, Insurance, as mentioned above - one of the most tangible requisitions from the borrower's interest rate increases by 1.5 - 2 points. Given that the company engaged in them, shall we say, friendly to banks, it becomes clear how pleasant it this "smallness" and how sad it would be to lose her. But in January this year had a very unpleasant (for banks) precedent: the Supreme Arbitration Court recognized that "the Amur Mortgage Agency" (a division of the All-Russian Agency for Housing Mortgage Lending) unlawfully demanded from borrowers to insure their lives and work capacity. The court pointed out that about any compulsory insurance says nothing in the law "On mortgage", but the Law "On Protection of Consumer Rights" clearly violated: the service can not be imposed. It is noteworthy that all mortgage holders sued the same irrepressible Rospotrebnadzor. The most interesting here was not even that fact, but the "tears of Yaroslavna," which launched in the press PR-service banks. We agreed to that solution you "set a dangerous precedent that undermines the foundations of the entire mortgage system." Especially touching passages seemed that the "life insurance and disability protection, in the first place, the consumer." Here's how they take care of us - for our own money! Another talked about the fact that the banks will increase interest rates and borrowers would insure themselves - say, for the consumers of credit will not change anything. Although, at the most superficial knowledge of the subject shows that the change, and how. For example, today, the bank requires insurance "against all" - and what to save, because we walk in someone else's expense! Paying the same insurance company out of his pocket, the bankers will think: but the whole package is so necessary, is it possible to give something? In general, the question will be whether the decision YOU precedent, followed by new access to the courts, and whether banks will be used to radically increase the interest rates up in the air. A few months later came the mortgage crisis, against which all such minor issues have been forgotten. However, it is clear that once the dust settles a bit, come back to this theme. In the meantime, says M. Galaktionov ("LOAN MAX"), you can remember about the reaction of the "Russian Mortgage Bank" - he proposed a package of products without mandatory insurance, but it raised its key interest rate by 3%. In rubles, for example, a loan for any purpose will be issued under the 20.5% APR. Also, the expert continues, we can mention the "Attache Bank", which assumed all the costs of insurance. The client immediately receives a bet (depending on age), taking into account the risks of the bank. Voluntarism is not necessary! "Identity," many of our people - the desire to solve the problem of "cavalry assaults" and contempt for the "paper". In connection with the aforementioned decision of the EAC, many borrowers may not pay art insurance. Mortgage credit granted for 20 years, and I am to renew insurance each year - is not it easier to "forget" to do it again? But, as our experts have warned such actions - the worst thing you can think of. It is one thing - to argue with the bank in court, arguing the illegality of his claims. It is quite another - just stop paying, in which case you will immediately become a violator. "The duty to renew the insurance is usually spelled out in the loan agreement - similar to M. Galaktionov (" LOAN MAX "). - In case of delay of payment of the bank may require the customer early repayment. Some banks have agreed to pay the insurance for the client, and then charge him with fines and penalties for late payment of insurance. " "There were times when the proper transfer of payments to the borrower the bank does not track the extension of coverage - adds Olga Guseva (" Domostroitel "). - But do not rely on the negligence of employees of the bank, the more so in the contract to this effect may be prescribed penalties. " Summary We reduce the potential major expenses in a single tablet, and to make it clear about what it amounts - to calculate their loan of 6.3 million rubles (approximately $ 250 thousand). It does not include expenses for maintaining the loan account, recalculate the monthly payment and a penalty for early repayment.
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