"The hypothecary credit are the money resources which are given out by bank or other creditor to the buyer
to the real estate (borrower) for long term on the security of bought real estate. The borrower monthly
pays for using the given credit percent, and also makes return of a part of extra means. The habitation
got due to the credit will be in the mortgage (money) at bank or other creditor before full repayment
of the hypothecary credit by the borrower. Than the housing hypothecary credit differs from any other
credit and in what of its advantage?
Unlike other kinds of credits, the housing hypothecary credit can be given only for purchase of habitation,
thus the basic maintenance on it is the Mortgagecalculator of got habitation. Advantage consists that, getting habitation
on credit, the Borrower has an opportunity to live in new own apartment already today, and to pay off for it
gradually during all term of the credit. Besides the credit contract serves as acknowledgement of an origin
of the means directed by the borrower on purchase of an apartment or a country house (at carrying out of the
tax control over charges of citizens, according to the Tax Code). From the point of view of the taxation, also
it is more favourable to get habitation on credit, than lumpsum to pay all cost of an apartment cash. Why it is
favourable to buy an apartment under the Mortgagecalculator? First of all is conveniently as you can live today already
in those conditions of which dream, having paid only less than thirds of market cost of habitation. Secondly,
even the moderate rates of a rise in prices on habitation will allow you not only to compensate charges on
service of the credit, but also to receive some income at sale of the real estate bought on credit (it is natural,
after full return of the credit)
How the maximal sum of the credit pays off? The Maximal sum of the Mortgagecalculator credit depends on your personal
income or the income of your family and pays off proceeding from a condition, what monthly payments on return of
the credit and payment of percent on it should not exceed, as a rule, 50 % of your net profit (after payment of
all taxes) or the cumulative net profit of all members of your family How many are made with an initial payment
at purchase of an apartment under the hypothecary program? Depending on the hypothecary program chosen by you
your initial payment can make from 10 up to 30 % (or more, according to your desire) from full cost of an
apartment (or a country house). Besides in offset of a part of cost of a new apartment the old apartment or a
country house can be accepted. What for the estimation of an apartment (house) is made? The Estimation of the
real estate is made for definition of its most probable price in the free market. This price matters for an
estimation of the size of the given hypothecary credit. French financial group Societe Generale has got bank
" Rosbiz " - one of the largest players in the Russian market of hypothecary crediting.
The sum of the transaction between SocGen and the former owner mortgagecalculator - fund Delta Private Equity
Partners - is not disclosed, transfers Reuters.
Mortgagecalculator
The source in bank circles has informed on Thursday,
that SocGen has got all of 100 % of actions of bank in spite of the fact that in the beginning of August the
International financial corporation (IFC) has declared purchase миноритарного a share holding of bank "USA"
for 6 million dollars. IFC has refused comments in occasion of destiny of a package. In the past to year Delta
Private Equity Partners has sold to the foreign participant other project - specializing on consumer crediting "mortgagecalculator".
The buyer became American GE Consumer Finance which has paid for it 100 million dollars. The credit portfolio
mortgagecalculator made on the end of June about 220-225 million dollars. The bank estimated the share in
the market in 20 %. For Societe Generale purchase mortgagecalculator became the third step in the Russian bank market.
The French bank in USA has own universal " Bank Sosete Zheneral the East ", and recently it has got the Samara
"Private-bank" specializing on consumer and autocrediting. Everywhere credits. All on credit. Everywhere the credit.
Cars - on credit, furniture - on credit, home appliances - on credit. (To present such about fifteen years ago...)
the Apartment - on credit... How? And here how to get on credit an mortgagecalculator, and our conversation will go.
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