Is it possible to take out a mortgage twice. Registration of several mortgage loans: as much as possible for one person. What documents must be submitted to the bank to obtain a mortgage

Many people believe that one mortgage in a lifetime is enough due to the long term of the loan. But in practice, there are often cases when it is necessary to issue a second mortgage loan with a valid or repaid home loan.

Can I get multiple mortgages at the same time?

The legislation does not regulate the number of mortgage loans issued to one person. Restrictions on the part of banks can be the following factors:

• Solvency. When registering a mortgage, each bank uses its own method of calculating the client's solvency, which takes into account income, mandatory expenses in the form of loan payments and the estimated amount of the monthly installment. If the borrower earns enough to provide for himself and disabled family members, to pay existing loans and the payment of a new mortgage, then he can be credited again.
• Credit history. Even if a potential borrower is quite solvent, but previously admitted serious delays on a loan, then when applying for a second mortgage, he may be rejected by the bank. When making a decision, not only the client's solvency is taken into account, but also the discipline of loan payments.
• Bank requirements. A second mortgage application may be refused if the borrower or the loan object does not meet the bank's requirements. Most often, such factors are age, seniority, parameters of the acquired housing.

When do you need a second mortgage?

Life situations force some borrowers to take a second loan for housing, even if the first one has not been repaid yet. This happens in the following situations:

In what cases is a mortgage provided only once in a lifetime?

If a home loan is issued under special programs on favorable terms, then such a mortgage can be provided only once in a lifetime:

1. Federal program "Affordable housing for young families". Designed to provide benefits to families in need of housing in the form of:

• a reduced interest rate;
• the allocation of a cash subsidy that can be used as an initial contribution;
• provision of housing from the social fund at a reduced cost.

Participation in the program involves providing a family in need with the necessary square meters. Re-issuance of a mortgage loan is possible only on the general terms of the lending bank.

2. Regional and corporate programs for young specialists. In some regions, from time to time there may be special benefits for the purchase of housing by young specialists. This information must be verified with the local administration. Among the corporate programs to support those in need of housing, one can single out subsidized mortgage from Russian Railways, the essence of which is to pay the main part of the interest on the loan of its employees. The subsidy for railway employees is granted only once.

What special programs can I take out a loan for housing again?

Some government mortgage programs allow for two mortgages at the same time or re-lending on concessional terms:

• an application is being made to expand the existing housing;
• the report is submitted by the spouse of a soldier who has a mortgage, who also participates in the accumulative mortgage system of the military;
• mortgaged housing is sold due to the transfer of a soldier to another area.

Tax deduction when applying for a re-mortgage

Regardless of whether the first mortgage was paid off and the second was issued, or the citizen pays two home loans at the same time, the right of property deduction remains in any case.

Restrictions:

• for objects purchased before 01.01.2014, the deduction is provided only for 1 object (optional) in the amount of up to 2 million rubles;
• for real estate purchased after 01.01.2014, the deduction can be applied to several objects up to 2 million rubles in total;
• refund of the mortgage interest deduction is provided in excess of the tax limit only for one object at the choice of the taxpayer, regardless of the year of housing purchase;
• the deduction does not include government or other subsidies, as well as maternity capital used to repay the loan.

In the case of a military mortgage or any other home purchase incentive program, the tax deduction applies only to amounts paid out of the borrower's own funds.

Conclusion

In practice, cases of repeated mortgages are infrequent due to the high credit burden and the long repayment period. Banks are more willing to agree to re-issue a loan secured by real estate after full repayment of the initial obligation than with the simultaneous registration of two mortgages at once due to the significant risks of the borrower on the timely payment of two or more payments.

Questions and answers

How many times in your life can one person take out a mortgage on housing?

Unlimited number of times when it comes to general mortgage lending terms. The limitation exists for special programs with the provision of state and regional subsidies.

Can I take out a mortgage loan a second time if the first one is repaid?

It is possible if the borrower meets the requirements of the bank, the conditions of solvency and has a high rating of credit history.

Can I get a mortgage a second time if the first one is not paid off?

It is possible if there is enough income to pay all loan obligations.

Will they give a second mortgage if there is a first one in Sberbank?

Yes, if the bank approves the borrower and the collateral.

How much can you get on the first or second mortgage?

In accordance with the methodology for calculating the client's solvency. The payment of the first home loan will be fully recorded as a current obligation. To increase the total family income, you can attract co-borrowers who meet the requirements of the bank.

How many times can you participate in the Affordable Housing Young Family mortgage program?

Once. Benefits and subsidies are designed for those who do not own any property. This condition applies to all family members participating in the program.

How many times can a young specialist get a loan for housing?

Once. Support is provided at the regional level or at the initiative of the employer for graduates of educational institutions who have received a specialty in certain areas.

How many times can you use a government-backed mortgage?

Unlimited number of times. The program is designed to support developers and attract investments from the population to ensure construction.

Taxes are included in the price of each product and any service. Even the salary is taxed at 13%. A tax deduction is a refund of a portion of the fees paid. This scheme applies to different areas of life.

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Each deduction program has its own characteristics and must be taken into account. The money is transferred to the taxpayer's card.

Deductions are of the following types:

• social;
• property;
• professional;
• on operations with securities.

Immediately, we note that not every citizen of the Russian Federation is entitled to a deduction. There are certain requirements for taxpayers.

Conditions for receiving

Citizens and residents of the Russian Federation have the right to return part of the money. At the same time, much is determined based on the type of refund.

For example, social payments are due:

• beneficiaries in connection with poor health, but only at the federal level;
• having children.

Amounts are determined based on category membership. It should be borne in mind that if the salary for 1 period is higher than 289,000, then the deduction stops.

Property deductions are further subdivided into 2 types. The conditions for obtaining are similar, the only difference is in the limits.

Mandatory requirements for the recipient:

• residence in the Russian Federation for at least 183 days in 1 year;
• receiving wages subject to personal income tax.

Pensioners and children under 18 can also receive payments.

Legislation

What is a tax deduction and how many times you can use it depends on the specific type. The main regulatory legal act is the Tax Code of the Russian Federation.

Details on the types of deductions and the rules for obtaining them are enshrined in. She defines all the nuances.

According to, the order of the return algorithm is determined. Clause 7 of Article 78 of the Tax Code of the Russian Federation specifies the deadline for submitting documents.

In accordance with FZ-85, step-by-step actions are determined. With regard to tax agents and the procedure for interacting with them is also prescribed in this law.

How many times can you get a tax deduction?

How many times you can apply for a refund depends on the type of deduction. A bar has been set for social and standard ones - once a year.

But the property deduction can be obtained from only 2,000,000 rubles. Moreover, if the apartment costs 8,000,000, then the return will still be from 2,000,000. If the object was bought for 1,000,000, then in the future, when buying real estate, you can get another deduction.

For the apartment

If purchased before January 1, 2014, then the right to deduction is provided only once in a lifetime. This rule is enshrined in Art. 220 pp. 2 clause 1 of the Tax Code of the Russian Federation.

In this case, you can apply for several deductions, only the amount should not be more than 260,000 rubles.

When buying after 2014, you can count on several deductions. But what matters is how the property was acquired.

Mortgage

If the apartment was purchased, then the amount of the return on interest should not exceed 3,000,000 rubles.

It should be noted that for each specific case, the refund amount will be determined based on an individual calculation. Much depends on the payroll taxes paid.

For studying

You can return part of the personal income tax by submitting a package of documents to the Federal Tax Service or to the employer. It is obligatory to have a contract and a receipt for payment of services. The IRS will check the justification for the deduction.

It is possible to receive part of the funds for studies if the following conditions are met:

• payment was made for their educational process or for a child under 24 years old, with full-time study;
• funds were paid for a ward under the age of 24;
• payment was made for the sister / brother.

All receipts and receipts must be kept.

For treatment

A refund of part of the tax is possible in the following cases:

• payment of one's own;
• payment for the treatment of a relative;
• for the cost of medicines;
• for a portion of the insurance premiums.

In order to avoid mistakes and not to miss your own tax, you need to familiarize yourself with the list established by the Government of the Russian Federation.

The size

The amount of the refund is determined depending on how much was spent on the purchase of goods or payment for the service. If a citizen purchases goods worth half a million in 2020, then a tax of 13% will be taken into account. In this case, the amount of the refund will be 65,000.

As for the property deduction, if the same citizen buys real estate for 3,000,000. Then the deduction will be equal to 1,500,000. Therefore, the return will be 195,000.

How to get the?

To receive a refund of part of the funds, you must submit documents to the tax office or employer. You will definitely need a justification - checks and receipts. Without this, no one will issue a deduction.

If you do everything right, you will get some of the money spent back. Particular attention must be paid to the documentation and the correctness of filling out the declaration.

Required documents

To register deductions, you will need:

• if you can't fill it out yourself, you can contact an employee of the Federal Tax Service;
• identification;
• certificate in the form 2-NDFL;
• checks, receipts, invoices - everything that can confirm the fact of costs;
• contracts and agreements (for training, mortgage, etc.);
• extracts for medicines, prescriptions;
• documents on special social / medical status.

Depending on the type of deduction, one or another document is needed.

Statement

The application must be submitted to the Federal Tax Service. It must indicate:

• to whom it is addressed;
• from whom;
• subject of the application (tax deduction);
• list of attached documents;
• number;
• signature.

The document should be written in 2 copies. Your must be stamped with the date of the request and the signature of the employee who accepted the application.

Reasons for refusal

Not everyone and always the tax approves the application for a deduction. They will refuse to partially reimburse expenses if you meet one of the categories:

• who bought a property from relatives;
• who bought housing at the expense of government subsidies or bonuses from their bosses;
• taxpayers under other schemes;
• students;
• retirees who left their jobs more than 3 years ago;
• orphans under 24;
• not having an official job;
• not taxpayers.

They may also refuse if you filled out the documents incorrectly, did not provide proof of spending, violated the terms of application.

Terms of provision

If you bought an apartment in 2020, then you can apply for a refund of part of the funds until 2021. With regard to other types of deductions, everything is determined depending on the case.

Today we'll talk about how many times you can take out a mortgage. Life situations can indeed be different, some of them are the reason for applying for a second loan. Let's take a closer look at this issue.

For most Russian citizens, a mortgage is the only way to solve housing problems and buy their own living space. In accordance with the current regulations of the Russian Federation, namely the Civil Code and 102-ФЗ "On Mortgage", it is established that any citizen has the right to apply for a mortgage loan an unlimited number of times.

Indeed, a mortgage is a mutually beneficial transaction between the bank (lender) and the borrower. For the bank, the benefit lies in cooperation with reliable and conscientious clients, through which it earns its profit. The borrower, in turn, uses the loan funds to buy real estate and pays interest to the lender.

How many times in your life you can repeat such a transaction with the same client depends mainly on his solvency and the quality of his credit history. If he took out a mortgage loan earlier and regularly fulfills his obligations or completely paid off the debt in full, nothing prevents him from applying for a loan for the purchase of housing again.

The question is how many such loans can and is ready to pay off the person himself, since any secured loan is issued on the terms and requirements established by the bank.

Some banks issue mortgage loans under valid loan agreements. In this case, the application can be approved only if there is stable employment and sufficient income, which should ensure a comfortable standard of living after deducting all payments on the existing obligations of the borrower.

Important! An exception to the issue of the maximum number of mortgage loans issued is participation in preferential mortgage programs supported by the state (military mortgage, loans for young families, family mortgages, etc.). They take shape once in a lifetime.

Sberbank

Sberbank also does not give restrictions on the number of times a mortgage is issued to one person. It all depends on the wishes and capabilities of the client. Sberbank willingly issues mortgages to solvent borrowers, therefore, if you have sufficient income to pay for several mortgages at once, then there will be no problems for this.

What are the limitations

When re-issuing a mortgage for the borrower, the following restrictions and requirements are set:

1. Age limit of the client. It is important to understand that by paying off one loan and applying for a new one, a client of considerable age will not be able to count on a too long debt repayment period.

1. Income level. The total amount of family income should be sufficient to pay off the current monthly payments on the new loan and cover all other items of expenses and obligations. At the disposal must remain at least 60% of the received wages. It should also be borne in mind that when analyzing a loan application, some banks take into account only the official income according to the 2-NDFL certificate, while others take into account additional part-time earnings (bank statements, tax returns, etc.). You can calculate the required income using ours.

1. The need to pay a down payment. For the second, third and any mortgage loan, the borrower will definitely need to make the first installment. Its share is usually at least 15% of the value of the acquired property. For some clients, such amounts become unbearable, and they abandon the idea of ​​obtaining another loan.

1. Notification of the bank about the intentions to lease the purchased housing or commercial real estate. Since the purchased property is pledged to the bank, the pledgee requires the client to obligatory notify of any redevelopments, alterations and even the lease of premises, since all these actions can lead to a decrease in its market value, which is extremely unprofitable for the lender. In case of deliberate concealment of the fact of leasing and further awareness of the bank about this, the latter, in accordance with the signed loan agreement, will have the right to demand early repayment of the debt.

1. Additional costs for the client. Registration of a new mortgage will also be accompanied by additional payments: to pay for a report on real estate appraisal, purchase insurance, pay state fees, etc. In preliminary calculations, all these costs should be taken into account.

The procedure for registration and its features

The borrower, clarifying the question of how many times in your life you can take a mortgage for housing (apartment or house), understands that the procedure for concluding a new loan agreement is usually practically no different from the previous one. In a generalized form, registration of a mortgage in the case of an already repaid mortgage loan includes the following stages:

1. Searching for the property to be purchased and negotiating conditions with the seller. It is recommended to notify the seller in advance that the transaction will be formalized with the participation of the bank and borrowed funds. You should also agree on the price, procedure and timing of the calculation.

1. Collecting documents and submitting a loan application to the bank. After a thorough analysis of the provided securities, the solvency of the potential borrower, the application will be submitted for consideration by the Credit Committee. After that the final decision will be announced to the client.

1. Real estate appraisal and insurance contract conclusion. It is worth ordering in advance a report on the appraisal of the acquired real estate from an appraisal company accredited by the bank. At the same stage, for the approved application, an insurance policy is purchased for the collateralized property (life and health insurance of the client can be issued at his discretion).

1. Payment of the down payment by the borrower. The borrower transfers to the seller's bank account the amount of the first installment established by the agreement for the purchased property.

1. The conclusion of the transaction and its registration. After agreeing on a convenient date, the parties conclude a loan agreement and a mortgage agreement. The signed papers are registered with Rosreestr, and an encumbrance is imposed on the subject of the pledge. This fact is confirmed by a special note in the register, and an additional entry is made in the certificate of ownership.

1. Transferring money to the real estate seller. After registering the transaction, the bank transfers the remaining amount to the seller's account. Cash payments in mortgage transactions are prohibited.

When applying for a new mortgage loan in the presence of a valid one, the above list of steps will be slightly supplemented. In particular, if a third-party bank acts as a new lender, it will need comprehensive information on the current servicing of the loan agreement. To do this, you will need to take a certificate of the balance of the debt indicating all the details of the creditor and the concluded agreement.

The new bank will check such a borrower in as much detail as possible - to study his credit history and financial reputation, job stability, family composition, income level over several years. Only after making sure of its reliability and compliance with all the specified requirements, the bank will approve the application for a new loan.

In the presence of sufficient solvency and the absence of a negative credit history, a mortgage can be issued an unlimited number of times. This is not prohibited by law. The main thing is that the client himself has the opportunity to simultaneously service several loans at the same time without a critical decrease in the current standard of living of his family.

You will learn more about how and how to do it correctly below.

We are waiting for your questions in the comments, and you can also ask them to a specialist for a free consultation - just sign up in a special form on the website.

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Most of the citizens of our country are forced to take out a mortgage to buy a home. For many, this option of purchasing their own home is the only possible one. Housing statistics say that 7 out of 10 apartments are purchased through a mortgage loan. In this case, a logical question often arises: "How many times can you take out a mortgage and what is needed to re-register it?"

Banking position

Initially, it was assumed that one client cannot have more than one loan. However, due to the opening of new banks and increased competition, each of the financial institutions is looking to get customers and offers several lines of credit. The borrower has the right to issue several loans if the level of his income allows. However, in this sense, one should distinguish between ordinary consumer loans and mortgage loans. The latter is issued on stricter terms based on the size of the debt and the length of time. Such applications are considered carefully, and the focus is not on the collateral, but on the client's solvency.

Common reasons for re-borrowing

Some borrowers specify how many times one person can take out a mortgage before paying off the original debt. There are several reasons for this:

• The person or family has a sufficient level of income, and age allows you to purchase another living space.
• Another reason to clarify how many times you can take out a mortgage is marriage. In this case, the spouse or spouse acts as a co-borrower.
• The borrower uses the previously purchased premises as a source of income for commercial purposes and receives material benefits.
• The bank's client specifies how many times a mortgage can be taken out also if he plans to use the purchased housing for renting out and generating income.

Property lease as a negative factor

The borrower does not have the right to rent out the real estate pledged by the bank without his consent. Otherwise, the bank will assess this factor as negative, and the re-mortgage will not be approved. If you specify how many times you can take a mortgage in order to rent out a second room, then this issue also needs to be discussed in advance, when drawing up a contract.

Design criteria

If you are thinking about how many times you can take out a mortgage, you need to pay attention to several factors:

• The most important indicator is the borrower's income level. Each bank has its own customer debt ratio. After paying the monthly payment, the client should have 40-60% of the income.
• Work experience, traceable income, and a reliable employer. Banks trust their payroll clients more. Banks are also supportive of organizations working in the public sector.
• "Cleanliness" of the credit history. Another important factor that a financial institution taking out a mortgage loan pays attention to. First of all, the payment schedule and the absence of delays are seen.
• The presence of the guarantor. Another prerequisite for re-issuing a mortgage in most banks. At the same time, it will not be enough just to bring a person who is ready to vouch for you. The second person should not have active loans in other banks, and a "white" credit history.
• The initial payment of a mortgage taken for a second time can reach up to 40% of the cost of the acquired premises and more.
• The bank will take the purchased premises as a pledge. The past already held by the borrower is not considered as collateral.

If the first mortgage is not paid off

From a bank's point of view, wondering how many times a mortgage can be borrowed if the first mortgage is not repaid is almost pointless. But there is still a chance to get approval. To do this, you need to keep in mind a number of factors:

• both incomes of both the borrower and the co-borrower must be capable of making payments on the mortgage loan;
• a mortgage loan agreement is drawn up for a commercial type of real estate, which will generate income for borrowers;
• the first mortgage was issued for the rental of real estate and income.

Exceptions

A financial institution may consider applications from borrowers on an individual basis. Families who have an additional source of income or a wealthy co-borrower (for example, an individual entrepreneur) may well get approval from the bank. Military mortgage is considered separately.

Military mortgage

How many times can you take out a military mortgage? Any employee has the right to issue another mortgage loan if, at the time of the conclusion of the contract, the first promissory note on the mortgage has been paid off and the serviceman is no more than 42 years old. The debt is repaid with borrowed or personal funds, as well as with the help of maternity capital.

Steps for obtaining a military mortgage a second time

The second time a military mortgage is issued in several steps:

• after paying off the first mortgage, the officer must write an application for the second;
• the participant of the program receives a certificate of the NIS (accumulative mortgage system), a contract of the CZHZ (Targeted Housing Loan) is signed;
• after that you can start buying a new living space.

The nuances of the second military mortgage

Despite the fact that the government program for the military allows obtaining a second mortgage, the conditions here will be different:

1. The term of the second mortgage is shorter than the first.
2. The second loan is issued for a smaller amount of money compared to the first.
3. After repayment of the targeted housing loan, the money goes to the account of the officer - a participant in the accumulative mortgage system. After a while, the amount will be enough for the initial payment.

The military mortgage is paid with public funds. If the officer has the money to pay off the targeted housing contribution, the possibility of a second mortgage becomes more realistic.

Military mortgage and civil loan

NIS does not prohibit obtaining a military mortgage if there is a civil loan for the purchase of housing. The decision remains with the bank issuing the loan. A financial institution takes risks, therefore, it puts forward a number of requirements:

• a civil mortgage loan must be closed by 80-90%;
• the officer has not reached the age limit for military service;
• the officer has no other loans in arrears.

Second mortgage under an insurance contract

The second mortgage is usually issued under an insurance contract. Nothing is formalized separately. The item is included in the mortgage agreement. The presence of insurance has a positive effect on the value of the interest rate. Without it, the interest rate can be prohibitive for the borrower. This applies not only to the apartment, but also to the room.

The documents

Documents required for a second mortgage loan:

• original and copy of the passport;
• copy and original TIN;
• income statement

One or more banks

How many times can you take out a mortgage, of course, but what about banks? Theoretically, you can apply for a second mortgage loan to another bank, but in practice it will be unprofitable for several reasons:

• if you had no delinquencies on loans and a "white" credit history for the first mortgage lending in the first bank, this increases the chance of approval of the application in the same financial institution, since you have earned a good reputation as a borrower;
• to clients with a "white" credit history, the bank can make concessions, offer a lower interest rate or other favorable conditions;
• servicing two loans in one bank is more convenient and saves the client's time.

This list does not include situations when cooperation with the bank did not suit the client or another bank offers more favorable lending terms.

When the answer is no

How many times in your life you can take out a mortgage, the client decides. But if the bank refused to issue a loan, you can draw up a deal together with a guarantor or co-borrower. In extreme cases, there is the possibility of contacting another bank.

Cons of re-mortgages

Legislatively, there is no exact figure that says how many times you can take out a mortgage on housing. But if you are going to re-execute the agreement with the bank, then you must take into account several points:

• The first mortgage is issued with possible participation in preferential lending programs (for example, "Young Family"), and bank employees select the most favorable conditions for the client. The second mortgage does not provide for participation in programs.
• A bank issuing a loan can put forward rather tough conditions and an interest rate that is favorable for itself.

Thinking about how many times you can take out a mortgage, approach this issue rationally so that a new loan agreement does not become a problem for you.

The mortgage issue applies to every 3 families. The bank's clients are trying to speed up the loan repayment. Forget it faster. If you take one mortgage loan, you often want to take it 2 times.

How to get 2 mortgages at the same time as the first one, after maturity? How to define ownership, ownership of mortgage housing? Should you be afraid of 2 mortgages? What you need to know and take into account before taking a loan 2 times? Questions should be studied before taking bank money.

Can I get multiple mortgages per person?

Own apartment is a luxury. The dream of a young family. Therefore, you have to take out your own home with a mortgage. The apartment becomes the property of the bank - the subject of a pledge. The lender thus guarantees a return on the investment. In order to guarantee the fulfillment of the terms of the contract, the apartment according to the documents is the property of the client. The name is fixed by the registration contract. The client (borrower) undertakes to pay a certain amount of money on a monthly basis. As many years as the contract requires. Early repayment is possible.

The question arises: Is it possible to get a mortgage for one person, and an apartment for another?

One borrower, turning to the bank with a request to register an apartment in the name of another person, can expect a positive response. The probability of such a decision is 0. The borrower can offer another option for collateral. The collateral should attract the bank with value. Be sure to cover the full amount owed. The borrower is the sole owner of the property. A good voice increases the chance of getting a positive answer. The bank cannot dispose of the pledged property in any way. Fully quickly repaying the amount owed will ensure the registration of a regular mortgage.

Practice identifies 3 options for registration of a mortgage for one person, and apartments for another:

• The mortgage is issued for one person, and it is paid by another - attracting a co-borrower. The co-borrower's income must not be lower than the amount established by the contract. The co-borrower is obliged to make a minimum monthly installment. It can be a parent, husband / wife. The person whose name is spelled out must pay - the owner of the mortgage property;
• The borrower can ask to arrange an apartment for another person, provided that the latter can take responsibility for all obligations under the contract. The main thing is that the person meets the requirements, has an income not lower than the amount established by the bank - the minimum mandatory contribution. Otherwise, the bank will refuse;
• Early repayment is a great solution if you need to register an apartment for another person. Immediately after repayment, it is possible to remove encumbrances from the apartment, arrange for the desired owner.

How many times can you take out a loan for housing?

The law does not establish a quantitative limitation on the number of credit housing. How many mortgages one person can take is decided by the bank, evaluating the client's ability to pay the installment and fulfill the obligations.

The mortgage for an apartment can be approved 2 times. Many times, if the borrower's solvency allows. At the same time, the financial institution assesses the creditworthiness of the potential borrower and his credit history.

How does one person get a mortgage a second time?

To take real estate through a loan 2 times, you must meet the requirements of the bank:

Salary is a stable sufficient level of earnings. The client must earn at least the amount of the minimum contribution for the obligations of the contract. You need to provide life, pay utility bills. The question is: is it possible to issue two mortgages for one person - the point of solvency is especially relevant. One borrower has to pay a mortgage loan under 2 agreements. Be able to make a down payment. The borrower pays the initial payment on his own to the financial institution. The bank pays the residual value with a mortgage loan.

Have a good credit history... The concept hides the ability to pay the installment on time. It is worth considering the fact that there is a high probability of taking a second mortgage loan through one bank. Explanation: the bank already knows about the possibilities - the client is an "open book" for him. The new financial institution is forced to examine the client before approving the application. Taking a loan means getting a personal percentage discount, a bonus.

Pledge. One person can get a mortgage a second time with a bad history. Property transferred on bail must pay back the amount issued under the mortgage loan;

Compulsory insurance... One person can get a second loan by agreeing to comprehensive insurance. Life insurance, property rights - a supplement with the right to choose. Approving comprehensive insurance means better chances. Establish yourself as a serious client.

Choosing a bank is an important point in obtaining a loan for a person. There are a number of reasons when it is impossible to get a loan through one bank.

It is better to apply for a loan at another bank:

• The original lender refused to issue loan 2;
• The bank did not live up to expectations, further cooperation is impossible. Choose another;
• Sberbank has many loyal programs for sectors of the population. Sberbank offers to use part of the maternity capital as a down payment;
• We managed to find a bank that admits the possibility of paying differentiated payments. Beneficial for the borrower. Sberbank provides differentiated payments. Pay in any convenient way. Bank, internet, ATM, terminal. There is an opportunity to make a permanent contribution - to issue an auto payment;
• The bank offers lending conditions at lower costs.

It is easy to get a mortgage loan at Sberbank, any other. The main thing is to study the requirements. Choose suitable credit terms. The bank will assess the ability to pay on a monthly basis, the ability to make an initial payment, and the quality of the collateral.