Let's talk about the mortgage loan. One of the few (and sometimes only) opportunity to purchase their own housing young families, advocates a mortgage. You get a unique opportunity to live in his apartment immediately after the registration of the transaction and stretch for a couple of years to pay for it. And yet, the mortgage will be able to take virtually every able-bodied citizen TK is not required to provide collateral, pledge automatically become buyers. Mortgage is granted for a period of 3 to 15 years. You can not get a mortgage without spending some of their funds to buy an apartment, your contribution must be at least 20% of the price of the apartment, thus you are assured the bank of your credit worthiness. In case of failure to fulfill obligations of the borrower, the bank has the right to withdraw a thorough housing, with its subsequent sale. To make a contract you will probably need a mortgage broker. He will pick the most severance offer from a reliable bankai will prepare all the papers. When purchasing home loans, income tax is significantly less. This is certainly an impressive plus in favor of the mortgage. In the role of lender will be able to address not only the bank but also entities that provide loans to purchase real estate. Insurance companies are a precondition for issuing a mortgage: in the case of incapacity of the borrower, to repay the loan should the insurance company. The bank may give you a break of up to three months in case a temporary reduction in income (say, in connection with the transition to a new place of work), after which you must again begin payments on the loan. Mortgage loan - a common phenomenon of the current reality and the state is taking all steps to ensure, so he was available to a wider segment of the population, and some progress in this field are now. Somehow it's important to reflect on themselves all the advantages and disadvantages of this option to purchase real estate and make independent decisions.