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Статья: Нюансы жилищного кредитования


Нюансы жилищного кредитования
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Являетесь ли Вы полноправным хозяином купленной квартиры? Разумеется, да. Но только не в том случае, если купили Вы её прибегая к ипотечному займу. Как это не печально, но в данной ситуации хозяином Вы считаетесь только наполовину. Это не столько ощутимо, если Вы добросовестно выплачиваете по ипотечному кредиту, но если такого не случается, то почувствовать кто на самом деле в доме хозяин не составит труда.

Собственно, если банк перестанет получать от Вас доход, то готовьтесь к тому, что квартира непременно будет выставлена на продажу. То, что Вы не в состоянии платить по счетам, никого не остановит. И, предугадывая все возможные способы развития ситуации, купить недвижимость по ипотечному кредиту Вы сможете только такую, какую банк посчитает рентабельной, чтобы быстро продать её и получить деньги, которые вообще-то должны были выплачивать Вы.

Так что не думайте, что сможете взять в ипотеку, например, комнату. Это невозможно при всём Вашем желании, так как под покупку такой недвижимости кредит не даст ни один банк.

Хотя в связи с тем, что желающих купить именно комнату более чем достаточно, то такое предложение однозначно пользовалось бы популярностью. Особенно среди тех людей, заработок которых не позволяет рассчитывать на положительное решение банка на выдачу кредита. Ещё один немаловажный аспект - это наличие первоначального взноса. Не каждая молодая семья его имеет. То же касается и одиноких людей.

Но взять ипотечный кредит на комнату они бы могли, ведь затраты на это, включая первоначальный взнос, гораздо ниже относительно целой квартиры.

Но банкам это совершенно не выгодно. В частности потому, что комнату в коммунальной квартире продать в разы сложнее, чем отдельную квартиру. К тому же нередки колебания в цене, которая зависит от ряда факторов, один из которых проживающие в соседних комнатах жильцы. Атмосфера в коммуналках весьма непредсказуема, а это вызывает дополнительные сложности. Именно поэтому банки не станут давать кредит на покупку комнаты.

Доли

Если уж с комнатами всё так плачевно, то нечего и говорить, как банки относятся к кредитованию долей. Во-первых, это крайне не выгодно. Стоимость доли смехотворна для банка и недвижимостью назвать это можно с огромной натяжкой. Да и никаких прав на проживание в квартире доли гарантировать не могут. Поэтому мысль о покупке доли в кредит нужно немедленно отвергнуть. Ни один разумный банк никогда на это не пойдёт.

Дома под снос

С комнатами и долями позиция банка более-менее понятна, но чёрный список недвижимости под которую кредит Вам не дадут, ещё не заканчивается. Также невозможно приобрести квартиру в доме, предназначенному для сноса. Никакой банк не захочет возиться со сложностями, которые будут во время переноса залога на новую квартиру. И, кстати, эта новая квартира может находиться в таком районе, что её стоимость окажется ниже, чем в доме под снос. Это вполне реальные ситуации, отнимающие уйму времени, и банки стараются избегать их.

Деревянные перекрытия

Вообще банки не дают кредит тогда, когда есть вероятность того, что он не будет возвращен. И наряду с получением ипотечного займа, Вы должны застраховать залоговое имущество. Тут-то и кроется подвох. Страховая компания наверняка откажется страховать на необходимую сумму квартиру с деревянными перекрытиями. Следовательно, не имея страховки, Вы не сможете приобрести недвижимость в ипотеку.

 

Квартиры в ветхих домах и домах подлежащих реконструкции

Что касается квартир в ветхих и ожидающих реконструкции домах, то взять ипотечный кредит на их покупку невозможно вдвойне. По сути они мало чем отличаются от домов под снос, а значит все трудности, сопровождающие банк, будут идентичны с ними. Никто не даст гарантии, что новое место жительства заёмщика будет устраивать банк в плане залога. Но это ещё не всё. Как несложно догадаться, никто не решиться взяться за страхование подобной квартиры. И вообще со страховыми компаниями всё гораздо сложнее, чем с банками.

Они очень придирчиво относятся к малейшим неполадкам. И если им покажется, что с домом, в котором находится квартира, что-то не так, то в страховке будет отказано.

Банки не дадут кредит, если Вы решили купить квартиру в деревянном доме, позарились на жильё гостиного типа или на что-то ещё, что никак не сможет принести выгоду в случае, если возникнет необходимость продать эту недвижимость. Под все сомнительные виды недвижимости ни один банк не даст ипотечный кредит никогда.

Это касается так же тех квартир, в которых незаконно сделали перепланировку помещения. Всё это может повлечь за собой дополнительные трудности, с которыми банки не хотят иметь дела.

Ну и, конечно, банк не выдаст кредит, если окажется, что квартира "не свободна". Любое обременение является прямым признаком того, что в ипотечном кредитовании будет отказано. Даже если это договор аренды, банк будет стоять на своём до тех пор, пока не произойдёт его расторжение.


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