"Mortgage" buyer flats - outcasts of the real estate market. Its capabilities are very limited: it depends on the decision of the bank - how much money he lend from insurers, on an assessment of the apartment - if she is not suitable as collateral. But the most important relationship of any buyer - seller of the apartment. Housing in our country - the deficit in any apartment, as a rule, claiming more than one buyer. How do deal with a dictator-seller? And would not you talk a little bit easier our orphan-borrower, if you notice tormoznuvshie prices in the property market finally stand up? With whom do we have to deal the mortgage to the buyer? His Majesty the seller prevailed in the market since 2008. Market analysts say that one reason for acceleration of the market were high expectations of homeowners. What the mind of the seller, for example, someone Ivanov decided to sell the apartment. He has studied announcement of the sale of real estate, offering almost similar or similar accommodation, and assigned a price, focusing on the upper limit. For a professional real estate appraisers addressed only one. Hence, as told online magazine Metrinfo experienced realtors (sorry, name calling will not) is so narrow-minded in the minds of a stereotype that a good technician can sell a house "above market". And often in the past - it was enough to just wait, increasing the exposure time (the time during which the apartment offered for sale and actively marketed). And in the current year such customer's expectations, are generally justified. "If a customer decided to sell his apartment only for $ 300 000, before it even belly dancing full proof - he did not throw a dollar - say realtors. - Typically, these apartments were just stubborn in the database, and sooner or later sold. " Added in a whisper, in the process of "sticking" apartments realtors often attended with pleasure, trying to remove the additional margin in his personal benefit. The suffering of mortgage holders "Mortgage" client in such semi-conditions, but still in a growing market was in a very disadvantageous position. He had not only to make a deposit at the stage of the underwriting bank, not knowing whether he will receive credit. It often happened that the bank did not give credit - deposit and "disappeared." The seller, knowing that to sell the apartment "mortgage holders" complex - a long process, usually takes three - four weeks longer than standard - immediately raised the price by 10 - 20 percent. Prices retard - what will change? Now the situation is not what it was in winter and spring - it's participants noted a recent conference held by the Moscow Association of Realtors' Real Estate Market: situation, trends and outlook. " Summer realtors announced a traditional market, with the usual for this time of "stillness" - the summer apartments for sale are always lower than during the active business season. But in August - the month of gradual recovery - ended, and the market did not bother to "wake up". Now, according to Constantine Aprelev vice-president of the Russian Guild of Realtors, the term of the exposure of an economy class apartments in the middle is a little less than two months, the business class - about 70 days. Often accommodation is not sold on the declared price, and, as stated by Dmitry Taganov, head of the analytical center of the corporation, "Inkom" - a discount of about 5-10%. The seller has lost the right of absolute dictatorship - auction today is more than appropriate. It is possible that in September, sellers will try to attack the market, increasing the offer price. But this is hardly an attempt to succeed. So now the time begins to run on the buyer, not the seller. Tip: The future the borrower can choose to start an apartment, already received the approval of the bank of his candidacy. No need to hurry to make a deposit if you are unsure of their choice. You can not rely solely on the stated price - it is very likely that it will reduce. The borrower does not rob changed situation on the market drew the attention of sellers in a mortgage customers benefit as their reliability. This is an additional and significant advantage. Not all who read the announcement of the sale of housing actually going to buy it or just curious. For fraud declaration looks like this - soon, this seller will be $ 200 000, half a million Realtors are well known so-called "tourists", that is, people who come to see the apartment is not to buy it. Needless to learn as active citizens and spend their leisure time; gunners trying to find out what values are in the apartment. Not surprisingly, put up for sale apartments robbed more often than others. Experienced realtors, of course, know how to recognize warning signs that allow to suspect a potential buyer "tourist." And yet much quieter when it comes to negotiating with people who clearly inclined to buy a home and have passed underwriting bank that is approved by the Security Service. Tip: When viewing an apartment borrower must behave confidently. It is not necessary to hide, in which the bank received approval for a loan, as well as the fact that in mind, there are several options for future housing. Rein under the mantle of the seller, he does not want Unfortunately, no one can guarantee any of the parties to the proposed transaction, the real estate market, it will not be thwarted at the last moment willful decision of both the seller and buyer. Particularly distasteful to sudden failure seller to part with his own name for "mortgage holders". In the worst case for the situation where the bank employs a settlement with the seller through their same organization, the money remains "frozen" in the deposit box. And the buyer balked at any time and without remains flat and no money. The State Duma Anatoly Aksakov, and Victor Pleskachevsky in 2006 introduced a House bill designed to prohibit such vagaries, can significantly complicate the sale of second homes with mortgages. An amendment to the law on state registration of rights to real estate prohibits suspend state registration of the sale apartments at the request of the seller or the buyer (or both of them), if the transaction is made using a mortgage. In order to suspend the state registration, require the consent of all three parties to the transaction - buyer, seller and bank. However, as stated by the Head of Business Development Bank «DeltaCredit» Alexander Afanasyev, a similar law was not adopted. Note parenthetically that «DeltaCredit» was one of the initiators of the bill, while the bank allowed the calculation of the transaction day to some customers. The seller receives the full amount on the day of the transaction, with him also take the pledge (made out a receipt) not to interfere with state registration and receive a refund if the registration is canceled. In summary mortgage holders may face lighter times, because the seller is not so powerful. You can not grasp at the first available option to compare the number and start little by little bargain. We have a solid plus mortgage holders - the seller should be clear that this law-abiding people without criminal tendencies. But a lot of crooks revolves around the apartments for sale. Now it remains to hope that our mortgage market crisis avoided, signs of which, unfortunately, no matter what apparent - and in raising rates and tightening of the requirements for the borrower, and in politics AHML. But this, as they say is another story.
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