Mortgages today allows many to buy housing and other real estate. And this could be a room, a private house, and a separate apartment, a plot of land, real estate for business. It is this property becomes a pledge for the loan received. For the active development of the mortgage business, mortgage agencies are being created. The structure of mortgage lending is a single federal housing mortgage agency and mortgage agencies in the regions that cooperate with it. Mortgage Real Estate Agency provides the borrower with certain advice, t. the agency buys from the partner bank the right to demand a loan repayment from the lender for the duration of the debt repayment. It turns out that to solve the problem with housing, the borrower-participant of the transaction takes a loan from the state, and not from the bank. Each borrower must independently resolve the issue of cooperation: with AHML or a bank, from which you can take a mortgage loan.
Regional Mortgage Agency The Regional Mortgage Agency is a company that is an authorized participant in the long-term home loans program and acts as a regional agency for long-term home loans. The main task of regional agencies is to create conditions for the development of the mortgage market in the region that would contribute to improving the affordability of housing and expanding the effective demand of the population. Provide access to each resident of the region for long-term loans.
What is a mortgage? A mortgage is a kind of long-term credit that allows you to buy an apartment in Vishnevoy in a new building on the site http: // agam. kiev. ua / en / kvartiry /, where there is a sufficiently wide choice of living space at reasonable prices for each. Buying an apartment with the help of long-term lending, a citizen acquires this housing and becomes its owner. However, as an owner, he is limited in his rights, as this property is a pledge. The lender is entitled to register all members of his family, and bequeath this property. But the heir gets not only an apartment, but also the obligations of the previous debtor.
The mortgage differs from other types of lending, as it is the target. In other words, the borrower can spend a loan only for the purchase of housing.
If the bank that issued the mortgage loan has a personal lending program for the purchase of housing, then it acts as a pledgee before the loan is repaid.
The Regional Mortgage Agency is an agency that is one of the regional operators of a mortgage agency. It buys mortgages from primary creditors - partner banks and forms a package for transfer to the agency. The real estate market of long-term lending is actively credited to no more than 100 banks. Today, citizens can choose the mortgage program from more than 17 programs on mortgage lending offered by one or another bank.