It is no secret that, in addition to interest rates on the loan, the borrower has a lot of extra spending on services as a bank or other indirect participants in the transaction (eg, realtors, notaries, etc.). Often the amount of overpayment on the loan for 15-20 years is 100-150%. What is included in these costs, and which ones are optional kreditoderzhatelya?
begin with, there are costs when buying or selling real estate can be divided into two groups: related to the transaction, as such, and obtaining bank loans. Every customer, regardless of the specificity and mode of transaction, pays for the notary services (depending on the price of housing), duty and deductions to the pension fund - to 1% of the value of the contract. If the housing is sold through specialized agencies, these costs add 1-5% of the cost of the facility for services realtor or broker.
costs associated with mortgage loans, include recurrent and persistent payments. The former includes commission processing contract, cash services at the bank (if the loan in cash) - 0.5% of the amount received, a certificate from the BTI on registration of property rights and peer-review. The latter may be performed as a bank (with a certificate of such activities), and specially accredited offices, and covers all the details of planning (including the state of communications, glazing of balconies, quality finishing, etc.).
And, finally, remains periodic payments - mortgage insurance. This includes credit insurance facility - 0,2-0,4% of the estimated cost of the facility, life insurance and disability borrower (at the request of the bank) - 0,2-0,4% of the amount of the mortgage and title insurance - 1% of the value of collateral. The borrower pays the insurance for the duration of the contract, and title insurance is indeed the first 3 years of use mortgage (limitation on contracts of alienation of real property).
additional cost of mortgage may also be penalties for violation of the borrower the terms of the contract. For example, for making payments late or, conversely, if the repayment of the debt ahead of schedule (annuity form of the loan). In addition, if the credit is issued in foreign currency, though, the losses due to jumps of the course.
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