Mortgage theme today is seemingly irrelevant. What the hell mortgage - you may ask, if the state's head broke - how to get out of financial holes borrowers with lenders? But life does not stop - people still need to gather, disperse, etc. Mortgage uzhalas, but has not disappeared - the big banks continue to lend truth to get them has become much more difficult. The number of approved borrowers fell sharply: only 40% of those who apply for a loan today, get it. Will the candidates in this situation in the borrowers mortgage brokers? Attitude to all sorts of intermediaries in our society cautious. It is believed that they are harmful to consumers because they pose a "cheat" on prices. To say that this is not always so, we will not. However, if the proxy is qualified and conscientious, his help may be far more important than made them money. For example, realtors can tell many stories about how people did not want to refer to them not to pay $ 5-6 thousand commissions, eventually sold the apartment now costs $ 30-40 thousand. All of the above fully applies to mortgage brokers - companies that help citizens communicate with the banks. The Internet journal of real estate Metrinfo decided to talk about these specialists: who they are, what services are offered, and the co-operation with them can be useful for the consumer? What's in a "package"? List of services of mortgage brokers is extensive and varied. True, says Artem Kostyushin, General Director of "SBS-Mortgage ', the following list can be considered as a maximum - it completely represent only some firms, others are limited to only part of it. So: 1. Actually the selection of the bank and mortgage programs. Theoretically, the work is simple - with the task to choose among several options the one which costs the borrower will be minimal, and will manage the program Excel. But there are two reservations. First, the database must be updated (banks periodically to change something in the programs). Secondly, the customer must "fit" to the various requirements of banks - in terms of income, age, occupation, and many others. And not all of the requirements formally known. For example, there are banks that do not like security guards - they see this kind of activity is too dangerous. But in the open (on the website of the bank, in its brochures) about it says nothing. 2. Collection of documents. Collect them to the borrower to be yourself. However, the broker will give advice on what paper you need to bring, what to write (and what not to write) when filling out questionnaires. There are cases where the fate of the loan solved a higher education diploma or a copy of the previous platezhek loans - despite the fact that nothing in the official list of such documents does not say. 3. Property Search. Strictly speaking, this is the case of the borrower or realtor. However, the brokerage firm can help in the selection - or, at least, say, whether the apartment will suit the bank as collateral object. Again, the banks claim here is not the same - someone does not want to hear about the four-floor buildings, while others treat them tolerantly. 4. Preparing for the transaction, its execution and registration. This includes a collection of various papers, the choice of valuation and insurance companies. Usually this process is trying to control the mortgage bank - but, in some cases, some of the work and can take a mortgage broker. 5. Further support. At the beginning of the process do not think about - getting credit "here and now" seems unattainable bliss. But then, when the apartment purchased, house warming took place, and there is still some 20 years of monthly payments, the borrower begin to climb to the head are different questions. So much do I pay? Is it possible to somehow credit refinance? Who would want to change the apartment for a greater. All these topics can be discussed with a mortgage broker. Time to lose the borrowers do not have to be tested for ability to pay in the bank's credit committee has always been difficult, but now likely to get into even smaller borrowers. According to real estate companies, only 40% of those who apply for a loan today, get it. In such circumstances the role of mortgage broker is increasing - it helps to choose a bank where the likelihood of approval of the maximum. In addition, the broker always pulls bank employees, ensures that they just do not lose documents. If the bank there some additional desire (to get spravochku that did your great-grandmother until 1917) - agent will notify you and will work with you to ponder, wherever a piece of paper to get. "If the borrower goes to a qualified broker, it will save time and money, as the broker will provide the best for the borrower's program, best interest, reasonable additional costs and orient the client on what can be saved afterwards - says Svetlana Vedernikov, director of mortgage company "LOAN MAX." - In a crisis, not worth the risk. Interest from banks and other conditions change, the borrower has no time to lose. " "We have many times faced with the fact that customers are simply lost in the provision of mortgages advertised by banks, in the calculations, the necessary documents, - says Natalia Alikhanov, head of the department," Tretyakov, "the company" Relight Property. " - A mortgage broker will always figure it out. " "Anything that makes the broker, the client can make himself - said Artyom Kostyushin (" SBS-Mortgage "). - However, there is certain loss of time. It is also probable that the borrower chooses a suboptimal option. Argue that to get a loan without a mortgage broker is not possible, I will not. But the broker - certainly easier. " The principal - the Commission of the money that mortgage brokers charge may be calculated differently. Today, says Svetlana Vedernikov ("LOAN MAX") for the full range of services for obtaining the loan of medium size (up to $ 300 thousand) mortgage broker takes 1-2%. If the credit amount is greater fee may be reduced. Another service mortgage broker offering real estate firm. As a rule, they are asking for very small fixed amounts - at the level of 15-20 thousand. But this proposal can only be "package" together with the proper working of realtor - for her firm will take the standard 4-5%. In addition, realtors, being not experts in the mortgage (for which this business is probably secondary) do not guarantee the full range of services. There are also completely free service - this means that the mortgage broker is fully live by preference on their partner banks. In Russia, this option is more theoretical: preferences provide no means all, and they apply to not the most profitable consumer lending programs. If you wish to find a "gratuitous," the broker may be, but warns Svetlana Vedernikov ("LOAN MAX"), is to carefully consider whether the proposal is thereby free cheese, which is known where. There are variations to the scheme and payment. Here are possible: - Full payment for services at once - prepayment of the Commission. Client pays extra rest after the loan. The fundamental point here is that some companies prepayment is non-returnable - her client does not get back, even if the loan was not given. At this point in the contract should pay special attention - payment after the loan. The last option is for the borrower to the most favorable, but because mortgage brokers do not like to work. Be willing to look. He took three thousand, thirty Now saved the most interesting - about how mortgage broker helps you save money. The most significant and profitable there is a discount rate mortgage. "Basically it is about 0.25-0.5% per annum, which at first glance may seem insignificant, - said Artyom Kostyushin (" SBS-Mortgage "). - But let us consider a specific case: the sum of $ 150 thousand loan, term of 20 years, the rates of 15.25% (initially) and 15% (at a discount from the broker). In the annuity scheme, we obtain in the first case, the monthly payment of $ 2002, second - $ 1975. The difference is seemingly insignificant $ 27, but if you multiply that number by the number of months (240), the total amount of $ 6480. Note that this figure was obtained with a relatively small amount of credit. " Another source of savings - insurance. Even a 10 percent discount to the rates of insurance companies ("kindness", which is quite able to beat an experienced broker) will give a year of about $ 1,000. If the loan is large, about one million dollars, the savings on insurance can make about $ 4-5 thousand per year. And it is easy to calculate that, at the "fee" broker $ 3 million (2% of $ 150 thousand) for twenty years he will save us approximately 26.6 thousand dollars. "Discounts are undoubtedly significant advantage - sums up Artyom Kostyushin. - However, they are not the most important thing. Where little real awareness of broker: a client is much better not to get a discount on the loan, say, with a rate of 15% per annum, and to find a program with no discounts, but at 13%. " What look? Advertising a lot of mortgage brokers, and all of them - in the opinion of the common man - to one person. How to choose a company in which you should apply? All of the recommendations here are standard: experience of the firm in the market, its reputation. Not bad to look on the Internet - where you can find not only the sugary-sweet "jeans", but also tough customer feedback. Speaking specifically about the mortgage brokers, there will be important to understand how the number of banks operating company, due to which there is: the commissions or customer preferences banks. In the latter case, everything will be fine in appearance ("Our services are fantastically cheap!"), But users should understand that "vtyuhivat" he will not be the most advantageous for him, the customer offer, but the banks and the programs for which received the maximum "kickbacks". Summary Despite all the obvious problems of today, the mortgage is unlikely to disappear. The crisis will pass, sooner or later, and lending for real estate will recover - even if substantially unchanged, to rebuild. So, we are convinced our experts and brokers will continue to exist, though decreased in number and will be affected by the current crisis. So that someone can help brokers are now - not the best time to take out loans - and someone then when the market will revive.
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