Tel. (4242) 456-000 office@sakhalin-engineering.ru Company Contacts Publications History Vacancies Documents MORTGAGE A mortgage is a pledge of real estate to secure obligations to the lender. With mortgage lending, the borrower receives a loan for the purchase of real estate or for other purposes. His obligation to the lender is the repayment of the loan, and the pledge of real estate ensures the fulfillment of this obligation. At the same time, you can buy and mortgage not only housing, but also other real estate objects - land, car, yacht, etc. Real estate acquired with a mortgage is the property of the borrower of the loan from the date of purchase. The term mortgage in Russia is usually used in connection with the solution of housing problems. The most common use of a mortgage in Russia is buying an apartment on credit. At the same time, as a rule, newly purchased housing is mortgaged, although it is possible to mortgage an apartment already owned. Mortgage loans are issued by banks, and the terms of lending are different for everyone. At the state level in Russia, mortgages find support in the form of developed mortgage legislation, as well as mortgage agencies specially created by the state. Registration of a mortgage is a multi-stage procedure, including the collection of documents, the passage of the bank's credit commission, the search for suitable housing, its assessment and insurance, the conclusion of a mortgage agreement. On this difficult path, a mortgage broker can help. You may also need the help of a real estate agency when buying an apartment on credit. When the mortgage is received and the housing is purchased, it is time for "payback". The loan can be repaid both in cash and non-cash, either on strictly defined days, or on any day of the month - these conditions are determined by the creditor bank . The possibility of early repayment of the loan is also determined by the mortgage bank. All processes related to mortgages are regulated by Federal Law No. 102 of July 16, 1998. "On mortgage (mortgage of real estate)" OJSC “ Sakhalin-Engineering ” cooperates with partner banks in Yuzhno-Sakhalinsk and the Sakhalin Region, which issue mortgage loans both for ready-made and for housing under construction. LIST -PARTNACH BANKS OROV: OJSC "Far East Bank" http://www.dvbank.ru Joint Stock Commercial Bank "Bank of Moscow" http://www.bm.ru/ VTB Bank 24 (PJSC) http://www.vtb24.ru / © 2009 OJSC Sakhalin-Engineering © 2011 Web Studio " Clean Design "