Here it is better to "dance" of the object. That is, first look for a house or estate, which would settle. And then see what kind of bank loans housing in it. The fact is, the bank will give money away is not under any new building, and under the unit – the ones where the builder has good contacts. This stems from the "opacity" of most business builders and developers.

Bank can be difficult to assess the risks, which, incidentally, and customer concern: whether dostroeno housing, which is collateral for the loan? And if so, at what time? Not bankrupt the company and not leave there and the tenants and their lenders with nothing? Incidentally, the very participation of the bank, and behind them the insurance company in its acquisition of primary residence can serve as a guarantee for the buyer – if so bankers agreed to lend the object its "primary", it means they are more or less sure that he would be in order. Question 2 says, sellers do not really want to deal with "mortgage" buyers. Is this true? And the truth is, 5-6 years ago it been a problem. And all because the banks had demanded from the customer's set of documents relating to the acquired property – far more than the package, which is required for normal transaction without the involvement of credit. Who was to gather additional information? The owners or realtors. And why should they bother, if it is so worth all of the customers with their own money? "Mortgage" applicant was refused or at best shell out and pay 1-2% of the purchase price, and maybe more. But now the situation has changed.

Agency for Housing Mortgage Lending (HMLA) reports that the share of the largest banks in the mortgage market is gradually shrinking. Agency experts have analyzed the market data and found that if in 2009 , the five largest in terms of assets issued for the period 68% of mortgage loans of the total, by the end of the first half of 2010 it had dropped to a mark of 60%. All in all, the bankers were given for the first six months of the current year, 107.2 thousand of mortgage loans totaling 133.4 million rubles. Agency for Housing Mortgage Lending in the analysis took into account the data of the Central Bank of Russia for the top 5 banks with the largest amount of assets Russian banking industry. The agency believes that in the last couple of years in the top five for this indicator were Sberbank and Russian Agricultural Bank, Gazprombank and Bank of Moscow. Experts point out that the first time since crisis, mortgage lending, falling at major players in the market fell, but still so much. The whole point is that, with the turmoil in financial markets is the largest credit institutions provided lending.

In part, this state of affairs has contributed and the Agency for Housing Mortgage Lending, trying to save the market by relying just on the big banks. Analysts believe that this trend is caused by much more vigorous actions of small banks in the mortgage market. Thus, the report of the Agency for Mortgage Lending said that 'in the first half of the weighted average interest rates on loans in rubles (progressive total from the beginning of the year), the largest banks were highest on the market – 13.9% at the end of the first half. The lowest rates on loans in rubles offered smaller banks. " However, experts do not think that the share of large banks will continue to shrink significantly in the near future.

When a loan will be provided, it is necessary to purchase an apartment, obtain all necessary documents and state registration of property rights. After paying the seller of the apartment the borrower becomes rightful owner of the apartment. One problem – the new property is already in the bank laid … List of documents provided by the bank after the state registration of property rights: – notarized A copy of the ownership of the apartment – a notarized commitment of all adult family members in an eviction from an apartment in case of default by the borrower under loan agreements (Alas) – resolution of custody and guardianship for the mortgage (pledge) apartment – insurance risk of loss and damage to the apartment, loss of property rights – an explication of (the plan of the apartment) from BTI and checkout of the BTI value of the apartment – a contract for maintenance of the apartment – contracts for utility services (with the providers of such services). Associated costs of the loan. We give the maximum amount cost of a mortgage loan on the secondary market: – a notary – to 1,5% of the price specified in the contract – check the contract with the State Registration Chamber – up to 1000 rubles – evaluation Apartments certified appraiser – from $ 100 – insurance deal – 1,5% of the (loan amount + 10%) – fee to the bank for loans – to 1% of loan amount – maintaining the loan account – up to 1% of the loan amount, charged by the bank once a year – to review an application, signing a credit agreement – from 1 000 rubles – rent deposit box for the transaction of buying an apartment – 20 – $ 70; And for Mortgages in the primary housing market should be still spend: – checked that the technical condition of the bank's requirements – from $ 150 – evaluation of the object – from $ 100 – construction audit – from $ 300 – insurance deal – 1,5% of the (loan amount + 10%) – holding the mortgage deal – $ 200 – money transfer developer – at a price the bank for non-cash transactions – opening and maintaining accounts in the bank – from 1% to 2% a year – to review an application and the conclusion of the credit contract on the bank rates – from $ 100.

Any commercial bank has a capital which, in essence, is expressed in its fixed and circulating capital. Fixed assets have the lowest level of liquidity, and often exist in the form of various buildings of the bank, land allotments and machinery, office furniture, computer equipment, working capital of the bank – it's most liquid part of its capital, expressed in securities (bills, stocks, free cash flow). Thus, liquidity funds of the bank (ie the possibility of their rapid conversion to free funds) involves four basic types of them: the most highly liquid bank funds – are funds that do not require conversion into cash, because it is already, as well as funds that can almost instantly become the cash (funds on correspondent accounts with other banks, checks and other payment instruments). These assets are the most highly, but they do not bring income, so they share relatively high. The most highly liquid funds of the bank is its primary reserves, as a guarantee of solvency, highly liquid funds Bank – a fund that can quickly be converted into cash of the bank (eg, short-term promissory notes received, short-term loans receivable, as well as demand deposits, etc.).

These assets highly liquid, and bring a little interest income. Highly liquid funds of the bank is a potential means for increasing the mass of the primary reserves, so often referred to as a secondary reserve (or insurance funds of liquidity); mean liquidity of bank funds – in effect for the treatment of these assets to the free money supply requires a certain period of time (which depends on the conditions of the loan agreement). These assets the most profitable and most of them form the profits of the banking institution. This group of funds, can also be attributed to a very interesting structural component – the gallant operations. The proportion of such transactions strongly increases, it is quite profitable, but require a certain reserve balances under warranty.

Such operations do not require banks to no cost, provided of course that the object is to guarantee reliable, low liquidity of bank funds – this group of assets is difficult to be converted into the free money supply. This building and land, and vehicles of the bank, seized collateral, etc. Often often they generate revenue only conditionally, provided of course that is not located in the temporary use of other on terms of repayment and interest payment. Speaking of the funds of banking institutions, incl and commercial, it should be noted that the greatest proportion of their bank funds average liquidity. Their structure is primarily a recording and loan funds, and securities, and transactions with these funds can be regarded as basic. Today, the structure active banking has changed significantly due to the intensification of the use of securities in the mobilization of bank resources. Today, the priority becomes the operation of converting credit obligations of the borrower in a special type of securities – bills and bonds. The latter, often expressed in the issuance of bonds under the obligations under the mortgage. The popularity of such operations due to the possibility of resale secondary market for commercial lending – certainly in this case, the selling party loses some level of profitability over the active operation.