Ипотечный вклад: Что это такое

Ипотечный вклад: Что это такое

Большая часть объектов разной недвижимости сегодня приобретается людьми путем оформления ипотечного кредита. Чтобы воспользоваться долгосрочными программами жилищного кредитования человеку обязательно следует иметь некоторую сумму собственных денежных накоплений, которые потребуются для оплаты услуг разных специалистов, а так же для внесения первоначального платежа, ведь он практически по всем ныне существующим предложениям является обязательным.

Первоначальный взнос по ипотечным программам от разных кредиторов бывает разного размера. Минимально можно найти программы с 10-процентным первоначальным взносом. Можно попробовать найти жилищный заем и вовсе без такого платежа, вот только сделать это будет непросто, да и сам кредит окажется менее выгодным. Чем большее количество собственных средств готов заемщик сразу пустить на оплату недвижимости, тем больше ему будет доверять выбранный кредитор, что значительно скажется на размере годовой ставки.

Понятие ипотечного вклада

Некоторые банки, предлагающие населению программы жилищного кредитования, придумали специальный вклад для той части населения, которая в ближайшее время планирует оформить ипотеку. Такой вариант депозитного счета мало чем отличается от обычного вклада. На него можно будет в любое добавлять некоторую денежную сумму, плюс ко всему банком будут начисляться на эту сумму проценты.

Использовать средства с такого счета можно будут только для оплаты первоначального взноса по жилищному займу. В этом как раз и заключается главная особенность ипотечного вклада. Если заемщик за время действия ипотечного вклада передумал приобретать недвижимость, он сможет получить свои средства, но это будет только накопленная им сумма. Проценты в таком случае банк выплачивать откажется.

Преимущества ипотечного вклада

Если человек решает воспользоваться средствами ипотечного вклада по назначению — для внесения первого взноса по ипотеке, то он получит массу преимуществ. Обычно к такому клиенту банк-кредитор относиться с большим доверием, а потому предлагает жилищные займы на очень выгодных условиях. Некоторые крупные банки могут для ипотечных вкладчиков смягчать условия жилищного кредитования, в результате чего процедура заключения такой сделки будет проходить быстрее. Еще крупные финансово-кредитные организации для своих клиентов, имеющих ипотечный вклад, отменяют все комиссии, которые сопровождают стандартную сделку жилищного кредитования.

Как открыть ипотечный вклад

Воспользоваться возможностью оформления ипотечного вклада может каждый российский гражданин. Условия открытия оказываются во всех банках свои. Вклад может быть открыт только в национальной валюте. В год начисляется на такой счет всего несколько процентов, но зато все это в дальнейшем компенсируется маленькой годовой ставкой по ипотечному кредиту, который оформляется в этом же кредитно-финансовом учреждении. Сроки действия ипотечного вклада указываются в соглашении и обычно составляют 4-6 лет.

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