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How to buy an apartment with a mortgage? | 1Realty

How to buy an apartment with a mortgage? | 1Realty

Buying your own home is one of a person’s greatest desires. The desire to have your own property arises immediately after reaching adulthood and especially important the question of acquiring your corner becomes when the family appears.

However, to collect all the necessary amount for the purchase of real estate is quite difficult, because house prices are constantly at a high level. There are several different options available to address the housing problem.

Buying an apartment with a mortgage

A great option for those who do not have the opportunity to contribute the entire amount. Constant growth in the price of real estate and the loss of money of its value due to inflation make overpayment on the borrowed mortgage loan minimal. In addition, having your own home purchased with the help of a mortgage will not have to face such difficulties as moving and finding a new place to live, and the cost of renting a home can be compared with monthly mortgage payments.

However, a significant disadvantage in the mortgage can be considered a long term of closing the loan. Banks do not want to release their customers early and impose conditions under which the loan will have to be repaid from 10 years.

Buy an apartment in installments without a mortgage

For those who do not want to get into credit bondage from the bank, you can buy real estate in installments. The main advantage of such a purchase is the ability to quickly repay all the necessary amount. This period is usually between 1 and 5 years.

How to buy an apartment in installments without a mortgage:

  • Choose a developer, company or private person who sells an apartment in an apartment building or new building;

  • agree on the terms of periodic payments, which can be provided both free of charge and at a certain interest rate;

  • make an initial payment, which should be at least a third of the value of the apartment.

Depending on the developer or company, you can get a deferral of the required payment.

How you can buy an apartment in installments

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In order to buy a home with the ability to pay the full amount in installments, it is not always necessary to apply to the financial organization. It can be issued directly with the owner of the property. It is enough to know the basic principle of how to buy an apartment in installments from the owner: making a contract of sale, in it the parties are obliged to correctly display the terms of payments made with the indication of the implementation of a phased payment.

Otherwise, there are no special differences in the purchase of housing in installments and it consists of the following actions:

  • Agreeing the terms of the upcoming deal by the parties;

  • Make a deposit or down payment

  • Collecting documents to make a deal

  • Signature of the main contract;

  • property rights are re-registered and housing is burdened with collateral.

After the conclusion of the sale transaction, the buyer has the right to start living in the property he bought. However, he will not be able to take any action with her until the burden is lifted after the last payment has been made.

How to buy an apartment in installments in Odessa

In Odessa, the real estate market gives you the opportunity to choose different options for buying property. However, how to buy an apartment in installments from a private person if there is a fear of getting caught by scammers?

In order to properly and safely formalize the transaction, it makes sense to contact the real estate office. Realtor databases allow you to have an idea of the reliability of owners selling real estate. Experienced realtors help to find housing that meets all the requirements of search not only in Odessa, but also in the Odessa region. They will also provide competent support at all stages of the purchase of real estate, will help in the preparation of the contract.

Buying a property is a serious step of any person who needs to make prepared and with confidence. Buying an apartment in installments is a unique opportunity to make this step.