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Online store of parquet, laminate and parquet board

Welcome to the online store of laminate, parquet, parquet boards, linoleum, tiles and parquet chemicals!

Here you can purchase everything you need to create a beautiful and pleasing parquet floor - from classic version piece parquet to inexpensive laminate wholesale and retail.
Managers will help you decide on the choice of materials you need, advise on the use of a particular product. Masters qualitatively and with a guarantee will lay parquet , laminate , parquet board and linoleum .

Buyers from St. Petersburg and the region can pick up the ordered goods from the warehouse themselves or use our delivery. For residents of other Russian cities delivery of goods to transport company for free.

Discounts in the online store!
In our online store of laminate, parquet, parquet boards and parquet chemicals, very low prices.
Depending on the purchase amount, you may receive a discount.
Answers to frequently asked questions:
View, choose, buy: laminate, parquet board, linoleum, tiles and much more - you can in our office at:
Moscow, Chernitsinsky proezd, 3 building 9
St. Petersburg, Tallinskaya st., 7a
Pskov, Rokossovsky st., 40V
Most of the samples presented in the catalog of goods on our website are in stock.

You can pay for the selected product in several ways:

• Cash at the office;
• Cash upon receipt;
• By bank card at the office or at the address upon receipt in St. Petersburg;
• By bank transfer.

We wish you happy shopping!

• Laminate

  Unfortunately for us, the inhabitants of St. Petersburg, retrogrades and fans of the classics, laminate flooring or, as it is called as if in mockery of natural floors, laminated parquet, is gaining more and more fans, and, accordingly, greater demand. There are many reasons for that. In the segment of inexpensive floor coverings, the choice, in general, is small: laminate, linoleum or carpet. All have their pros and cons. Laminate not afraid physical activity, scratches. He, in our unassuming opinion, looks prettier than linoleum. Laminated parquet copies natural floor coverings: block parquet, massive board, parquet board. But the biggest minus of the laminate, even the most moisture resistant one, is the fear of water. Linoleum is much more tolerant to water. After a flood, laminate flooring will most often need to be replaced. Now very wide choose laminate, come to our store, look at the site, and we will try to help you with the choice. Buy laminate, order linoleum or opt for carpet, of course, you decide, our dear visitors! And we want to note that it is safer and most profitable to buy laminate flooring in St. Petersburg in our store.

• Linoleum

  Linoleum - polymer roll material for flooring. These days, linoleum, how gorgeous finishing material, is experiencing a rebirth, the sale of linoleum in Russia since 2001 has been growing by 11% per year. Modern linoleum Available in two varieties: natural and synthetic. Synthetic linoleum is more often called PVC coating. The main advantage of PVC linoleum is its cheapness. Such construction material widely used not only in offices and shops for which it was developed, but also in kitchens and hallways ordinary apartments. Buying linoleum in St. Petersburg, you can save time and money. Our store has hundreds of colors and dozens of textures. The choice is yours! When making a purchase of linoleum in St. Petersburg, you are expected to large variety services, including convenient delivery directly to your apartment.

• parquet board

  quality parquet board can rightfully be considered the most optimal and affordable option if you choose a high-quality, natural and inexpensive parquet floor. Judge for yourself, you can buy high-quality laminate at retail in the region of 800-1300 rubles, and a parquet board of the same quality category will cost 1500-2000 rubles. And also you can get to the sale of parquet boards and buy it much cheaper. For this money, you get a natural wooden floor, the real life of which is at least 20 years, which will also look very elegant. parquet board SPb is presented in a large assortment.

  Parquet

  In short: expensive, long, beautiful, for centuries. And what did you want, if huge forests of oak, ash, maple, exotic tree species in the tropics are being rooted out for this miracle? And for our native city of St. Petersburg, piece art parquet can be considered an integral part. You can order such parquet from us.

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Tsugunov Anton Valerievich

Reading time: 4 minutes

Huge vivid images on photo wallpapers in rooms and non-residential premises create special atmosphere in the apartment, turning the life of its inhabitants into a real holiday and filling it with positive. The decor can take up a small section of the wall vertically or horizontally, one wall from top to bottom, be placed at an angle, or cover all the walls of the room. Many types of photo wallpapers are produced, consisting of a different number of segments or panels - from 2 to 12. Before decorating the interior with a large landscape, images of flowers, animals, birds, waterfalls, stones, you need to carefully study how to glue photo wallpapers of eight or more parts on the wall .

Tools

Getting started, you need to check the tools that may be needed in the process, and arrange them in convenient places. For gluing photo wallpapers from 8 parts you need:

• ladder;
• level or plumb;
• roulette;
• long line;
• simple pencil;
• sponge for removing glue from the front side of the photo wallpaper;
• container with water;
• container for glue;
• a piece of old cotton fabric for hands;
• wallpaper knife;
• wide and narrow brushes for applying glue;
• plastic spatula;
• rubber or needle roller for smoothing pasted wallpaper.

Surface preparation

Before pasting the walls with photo wallpaper, you should:

• Remove the old coating with a spatula, clean from the layer of dried glue.

• Carefully level the surface - cut off bulges, putty cracks and chips.
• Apply an even layer of primer, then wet cleaning rooms to avoid leaving traces of debris and dust. Detailed Instructions about preparing the walls for gluing photo wallpapers in eight parts can be seen in the video.

Markup, numbering, preparation

For photo wallpapers consisting of a large number parts, especially important correct markup. You need to do the following:

• Lay out on a flat clean surface - on the floor or a large table - all parts of the photo wallpaper to get an idea on which wall they will look best, which parts and in what places can be cut off without damaging the image, and to measure each panel for wall marking.
• Provide each element with a serial number on the wrong side and, for convenience, fold it in a stack face down.

• Mark the wall with a long ruler, a simple pencil, a spirit level, drawing a vertical line from ceiling to floor a few centimeters from the corner.
• Draw a grid along the first vertical line, the height and width of each cell of which should match the size of the panel.

Depending on the size of the drawing, eight fragments can be placed in a vertical or horizontal two-lane grid with four cells in each row. Wall murals can be pasted vertically and horizontally - it all depends on the preferences of the master. Before starting work, it is necessary to check each panel for pattern compatibility.

Fragments of photo wallpaper usually have white margins. For convenience, some of them need to be cut off before gluing.

• The field of each fragment is cut off from the side where the light falls (the location of the window).
• If sticking will be done from top to bottom, the top field is cut off, if from bottom to top - the bottom one.

The procedure for gluing wallpaper

The sequence of work will be as follows:

• Following the instructions, dilute the glue in the container, stir thoroughly so that there are no lumps. For each type of photo wallpaper, it is necessary to select a special composition indicated on the instructions for the wallpaper.

Advice. It is not recommended to use universal glue or a dubious composition for any photo wallpaper.

• Stick on the first segment and smooth it with a roller.
• Consistently paste all parts of the picture, moving in rows. Segments of photowall-paper are pasted with an overlap. Excess strips can be carefully cut off with a wallpaper knife after gluing all the fragments.

Advice. Glue that got dirty front side canvases must be carefully removed immediately with a damp, but not wet, sponge. Dried glue is removed soapy water or water.

Features of gluing paper photo wallpapers

Important! It is impossible to use fabric flaps for smoothing, as villi may appear on the surface.

If the paper photo wallpaper is pasted crooked or wrinkled, you will have to remove all panels and, after cleaning the surface, start working again.

HELPFUL INFORMATION: Choice of fiberglass wallpaper for painting

The nuances of gluing vinyl and non-woven wallpaper

Each type of wallpaper has its own rules for gluing.

• Sticking vinyl wallpaper on paper basis, the adhesive composition should be applied to each segment of the canvas and to the wall, wait until the wallpaper is saturated, and only then proceed with gluing.
• Non-woven photo wallpapers are not smeared with glue, the adhesive composition is applied only to the wall.
• For non-woven vinyl wallpaper, the procedure is the same as for non-woven fabrics.

Who doesn't dream of living by the sea or near a forest to enjoy the beautiful scenery from their window? Or in the evenings admire the flames in the fireplace located in your living room? There is a wonderful way to turn such fantasies into reality quickly and without capital costs - pasting the walls with photo wallpapers.

Wall mural - Sea view

Wall mural and their history

Since ancient times, people have had a desire to decorate their homes. Rock paintings have been found in ancient caves! Since then, this desire has not waned. The room was decorated with frescoes, mosaics, artistic painting, tapestries, carpets.

Decorating walls with paper with a pattern printed on it was invented in China a thousand years ago. After the invention rice paper it began to be used for pasting rooms. Previously, beautiful landscapes, original stories were depicted on the sheets. This was the prototype of modern photo wallpaper.

Over time, the decoration of housing with pictures began to be used in Europe. In the Middle Ages, paper was no longer expensive material, and court artists were more than enough. The technology for making wallpaper with pictures has also changed: they switched to the use of wooden forms, templates, special machines that made it possible to print several dozen running meters wallpapers per day. Therefore, such decoration of the room was no longer a luxury item and became widespread.

The gluing of photo wallpapers again rises to the peak of popularity in the 50s of the twentieth century. During this period, color printing was already invented and methods for applying a printed image to different types paper. These were already real photo wallpapers, which we used to see in the photos of our parents or in the movies of that time.

Since then, the fashion for photo wallpapers has faded, then reappeared. Their great popularity was noted in the 80s. The next heyday of this trend in interior design came in our time. This was facilitated by the emergence of digital printing equipment, environmentally friendly inks for applying images, and high-quality vinyl-based paper.

To date, the use of photo wallpapers is one of the most fashionable trends in the field of interior design. The komar photo wallpapers are very famous, which create the most realistic sensations. They have high quality, are absolutely harmless to the human body and are quite affordable even for a buyer with an average income.

Types of photo wallpapers

There are several types of photo wallpaper. This classification helps to figure out which wallpapers are better in quality. Each type has its own advantages and purpose.

1. Paper wallpapers. They are manufactured on thin paper using offset printing. This is the most economical option. They have good moisture and breathability. Overlapping is allowed. Suitable for bedroom, office. However, the image and color reproduction are noticeably worse than other species. There are inconsistencies between separate parts Pictures. Often there are problems when sticking, because the wallpaper quickly soaks, there is no possibility for adjustment. In addition, they quickly fade, absorb odors. Easily amenable to mechanical stress, therefore not recommended for corridors, kitchens. Suitable for short term use only.
2. Texture wallpapers. These are wallpapers that are printed on non-woven or vinyl backing. They are dense, soft, have a pleasant texture, do not contain harmful substances. Can be performed in various options: (plaster, sand, canvas, linen, frost, painting, Venetian plaster). They have a high quality image. Easy to stick. Durable, do not scratch, wash well. It is better to choose such wallpaper in the hall. The disadvantages include their airtightness and the problem with joints with inept gluing.
3. Glossy wallpaper. Their distinguishing feature is smooth glossy surface, which is created using lamination or varnish coating. This serves as a good protection against burnout, mechanical influences. Harder to the touch. They may have different bases. Wash well. Very practical, suitable for the hallway, nursery and kitchen. They have poor breathability. Required for gluing careful preparation walls. In the process of work, traces of fingers may remain.
4. Self-adhesive wallpaper. They have a ready-made adhesive layer, which is covered protective film. Easy to stick, adjustment within a few hours is possible. They have excellent performance. Intended for smooth surfaces are not suitable for plastered walls.

Adhesive selection

The proposed classification helps to better understand what kind of glue to glue photo wallpapers on the wall. First of all, you need to pay attention to the instructions that come with the product. Responsible manufacturers indicate the recommended type of adhesive. Sometimes glue is sold with wallpaper, but more often you have to buy it separately.

In no case should you buy universal glue!

The main thing to consider is the basis on which the image is printed. Paper photo wallpapers are called light, and for them it is recommended to purchase glue intended for ordinary products. All the rest are classified as severe. In this case, you need to look for glue for vinyl wallpaper.

The best option is glue containing PVA and starch. You should also pay attention to the absence of a pungent odor, the presence of moisture resistance, antifungal effect.

How to glue

Sticking photo wallpapers with your own hands is a very troublesome task that requires skill and patience. For such work it is necessary to prepare:

• glue and a container for its cultivation;
• brushes for applying glue (wide and small);
• rubberized roller or plastic spatula for smoothing on the wall;
• sponge for washing off glue from wallpaper;
• bucket with water;
• rags for wiping hands;
• plumb or level;
• pencil;
• roulette;
• ladder.

Before sticking the wallpaper on the wall, all parts of the picture must be laid out in right order, cut off the white marking strips. Below you can see the order of work.

Wall preparation

Before starting work, it is important to pay attention to which wall to glue the wallpaper on. It should be Smooth surface, cleaned from old wallpaper. You should not skip this stage and “get smart”, thinking about how to stick photo wallpapers on a wall with wallpaper. Their color and texture may appear on the surface of the photo wallpaper.

Therefore, the old layer must be removed with a metal spatula. Be sure to remove switches, sockets, skirting boards. Then the wall must be plastered, primed and wait until it dries.

If the wall is level, you can simply wash it to remove dust and dirt. Sometimes the surface is painted in light colors.

It is necessary to achieve a perfectly smooth plane, because even small grains will appear against the background of glued photo wallpapers.

Thinking about whether it is possible to glue photo wallpapers on vinyl wallpapers, it is important to remember that in this case, in addition to a visual defect, it will be very difficult to achieve a strong bond.

On final stage preparatory work markup is applied. This is done using a level or plumb line. First, a vertical line is drawn along the edge and a horizontal line along the top of the wall. When deciding how to properly glue the 8-piece photo wallpaper, you can put marks for each square.

Glue application

Wall mural is a rather “capricious” material that can wrinkle, stretch and even tear. This should be especially taken into account before gluing photo wallpapers on a paper basis.

It is important to pay attention to the consistency of the glue, it should be without lumps. There is a rule: the thicker the base of the photo wallpaper, the thicker the glue should be. Very liquid glue is not suitable, because when using it, the sheets soak very quickly.

There are two ways to apply glue. Paper photo wallpapers are glued immediately after lubrication. But other types of photo wallpaper after applying the glue must be folded and left for soaking.

Glue for photo wallpapers is applied both to the sheets and to the wall. Sometimes, if it is indicated in the instructions, only wallpaper is lubricated and applied to a dry surface. A small amount of glue is needed!

When smoothing the fabric, the remaining glue is squeezed out and then washed off with a wet sponge. You need to start leveling from the center and only with a roller or a plastic spatula.

Do not wipe with a rag, as this may ruin appearance and the texture of photo wallpaper.

gaps

When sticking photo wallpapers, the most difficult task is to correctly connect the individual parts so that all the details of the picture completely match. There are two options for this process. Some types, such as non-woven mosquito murals, are glued end-to-end . It is easier to work with them, since the main thing is to prevent distortions in their placement on the wall.
Most photo wallpapers are glued with an overlap. In this case, after achieving the perfect alignment of the pattern, you need to cut off the excess parts of the sheets. To do this, use a knife and a ruler.

It is important that the incision is to the depth of both strips and passes exactly along the alignment line.

Then the sheet of joints should be smeared with glue again with a small brush and rolled tightly against the wall with a roller. Such actions must be performed sequentially, with each sheet separately. In conclusion, it is necessary to “roll” all the joints with a roller again and carefully wash off the remaining glue.

Wall murals are one of the main ways to decorate a room, visually change its parameters, give comfort and originality, reflect the individuality of the owner of the house. At right choice and skillfully sticking them on the wall, they can become a real highlight interior design and delight you and your guests.

Photowall-paper Komar is one of the European leaders in the segment of photowall-paper production. Germany is adequately represented by this company in the world market. Around 70% of Komar's products are exported to more than 100 countries worldwide.

The company presents a design product of the highest level, which is appreciated by customers. German photo wallpapers are distinguished by innovative ideas, stylish design and print quality.

Komar achieved these results thanks to its specialization in custom wall design. Working in this narrow direction and experimenting in it, German company received recognition. Komar designers pay special attention to details, thanks to which the photo wallpapers are alive and interesting.

The company's reputation has been earned for more than a dozen years: the history of the company began in the seventies with the founding of an advertising agency. Today, Komar Products KG produces wallpapers, photo wallpapers, posters and stickers for interior design and is best known for producing photo wallpapers.

Wall mural Komar catalog can be viewed on the official website http://www.komar.de/ru/.

Dimensions

The dimensions of the photo wallpapers produced by the company are quite sufficient for pasting a part of a wall or an entire wall. For Khrushchev, the size of the canvas can even be a lot - you have to cut it.

Standard sizes of Komar photo wallpapers:

• 8 parts - 368 * 254 cm;
• 4 parts - 254 * 184 cm;
• 4 parts - 184 * 254 cm;
• 4 parts - 368 * 127 cm;
• 1 part - 184 * 127 cm;
• 1 part - 202 * 73 cm.

Mural on the wall

When choosing wall murals on the wall, it is convenient to use photographs of options for their placement in the interior. Along with samples of photo wallpapers, the catalogs contain photographs of interiors with their use. Beautiful scenes look completely new in combination with furniture and decoration.

The developments of the company, as they say, are “on point”: photo wallpapers reflect a refined sense of taste and style, they are modern, but not stereotyped. Among the wide range of Komar photo wallpapers, you can not help but find something suitable. Photo wallpapers are combined into separate catalogs and sections according to directions for every taste and color.

• National Geographic - Photo Collection the most beautiful places Earth that delights.
• Landscape - alone with nature, only nature and nothing more. Nature lovers will certainly find something for themselves in this section.
• Gallery and Wellness are prefabricated “hodgepodges” with a bit of everything.
• Urban - in this section you should look for your perfect wallpaper lovers of city life. Night photos of big cities are especially beautiful.
• Tropical - the name speaks for itself - summer, sun, sea, tropics, and all this beauty can appear on the wall of the room.
• Floral - flowers seen and never seen, photographed, painted or created with cute drawings. Great selection of looks and colors.
• Special "Wood & Stones" - a collection of finishes that imitate natural materials(stone, wood, etc.)
• Disney (including Special "Planes" and Special "Monsters University") and Marvel - children's collections of photo wallpapers with cartoon and comic stories, respectively.

Each model has its own characteristics and scope. Although most of the mosquito plots are almost universal.

Flowers are one of the most popular mosquito wallpaper themes. For example, 8-708 Secret Garden is described on the official website as "Pale pink tulip splendor - sensual softness and romance for an unconventional living space." And that's the way it is: tender color combination perfect for the living room or bedroom, as well as for the kitchen or other room.

Tulips Komar 8-900 Tulips will look completely different. A more saturated green gamut, the absence of softening pink - and the picture creates a completely different mood. This beauty of flowers is purer, but colder. When compared with previous model, then 8-900 is less suitable for the bedroom, its ideal area is the dining room.

If you don’t want to cover the entire wall with photo wallpaper, but you need a bright and at the same time non-binding accent, then 1-608 Orchidee photo wallpaper is perfect for this purpose. Orchids as a panel on the wall - great choice for rest and relaxation in the living room.

And here is another version of the photo wallpaper with orchids: Komar 8-319 Pure. delicate orchid on smooth pebbles in the water - an even more relaxing picture. Mosquito offers the option of sticking such photo wallpapers in the bathroom, and it seems that he has the right to life.

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Primary housing market: take a mortgage

In regions where new housing construction is actively underway, mortgages provide a 100% guarantee to move into new apartment. The efficiency of acquiring their own real estate is important for people who do not have their own corner. Especially for young families. Their consolidation in regions with low birth rates successfully eliminates demographic problems, increases production productivity, and raises culture, health care and other areas of society's life support to a new qualitative level.

Banks for the purchase of apartments in the primary market are willing to lend the necessary amount of money. And this one is quite logical. If the borrower for some reason becomes unable to repay the loan, the alienated apartment can be sold at a great profit for the bank.

However, there are regions where the construction of new housing is practically not carried out. The only way out is to purchase it in the secondary market.

How to buy a secondary mortgage

For two decades, Russia has adopted a lot of useful things from world experience. For example, an important factor for Russian citizens was the opportunity to purchase housing on a mortgage. That is, to take a loan from commercial banks when the purchased apartment, house, land plot or other valuable property. Canada, the USA, Europe are built on this principle. This is beneficial for financial institutions and borrowers. Especially for citizens whose material wealth can be classified as average.

Secondary real estate with a bank loan against its security can also be bought and the whole procedure will take a little time. But on the way to the cherished goal of acquiring a used apartment, certain difficulties may arise. Their appearance is purely pragmatic. We will talk about this and more important things a little later. And now let's consider the algorithm for obtaining a loan in order to buy a home in the secondary market.

First what you need to start a business with is the search for a commercial banking structure that has an optimal developed program for lending to buying a home on the secondary market. In turn, the bank without fail will require from a citizen who needs a secondary housing a guarantee that he in full fulfill his main requirements. It consists in collecting real package documentation. A thorough analysis of it by specialists of a financial and credit institution will show: in the future, a citizen can be solvent or not. When the answer is positive, then the secondary living space, one might say, is provided for him.

This is the most crucial moment of the transaction. The bank risks its assets. That is, if the borrower makes a mistake in the solvency of the borrower, then the apartment alienated from him can be sold at a cost much less than the amount of investment spent on its purchase. In this case, the bank's losses are obvious. similar situation is quite capable of simulating a sudden economic crisis, which is already systematically roaming not only in Europe, but also in America. And it hurts Russia's economic interests very painfully. good example may serve as a country defaulted in the past decade of this century. In memory of a complete decline economic activity, which led to the shutdown of enterprises, depreciated national currency to the level of a dervish's robe.

The bank buys, and the citizen moves into the apartment

But everything should be fine. Pros sit in a credit institution. It remains for the borrower to independently find the object to be purchased. How to do it quickly is the question. The lender allocates time for the borrower to search, and if he does not invest in this regulation, then the secondary housing may not be acquired.

Hope for yourself big city only to the detriment of the cause. It is better to use the services of real estate companies that systematically work in this cluster of paid services. They have a card file of objects put up for auction updated every day. Realtors are well versed in the quality of housing, they can involve an independent auditor in assessing its value, and so on. But it will cost decent money. Practice shows that the price of the service is never lower than 1% of the cost of an apartment found on the secondary market.

Real estate has been found and the active phase begins here on the part of the bank from which the mortgage was received. He will first carry out an assessment of housing, and then insure it. And now comes the long-awaited, such a welcome moment in the life of the borrower: the transfer of money so that the secondary housing passes into his private possession.

The borrower pays the first and most important installment, and the bank buys an apartment and offers the client to move into the acquired mansions. Then, getting rich on a new living space, the borrower carefully monthly pays the debt, along with interest. Their value is negotiated in advance with the financial and credit institution, as well as the full repayment of the mortgage in time.

The happiness of life behind thick walls

Can there be advantages for family life in housing that is purchased on the secondary market. This is not a question, but rather a story that there are enough reasons to be happy in it. The first plus is a quick purchase. I found it, asked the price, bought a bank, a family moved in and begins to settle in a living space, usually in a solid brick apartment building.

The price of the secondary will be several times lower than the purchased property in the primary market. These two factors create the motivation to buy a used home. What exactly is happening, says the practice of selling apartments in the secondary market. Most housing gives its secondary purchase.

Under ever-increasing demand, banks are developing investment mortgage programs that are beneficial for themselves and their clients. This can be seen in the agreements agreed with customers interest rates, which in almost all banking institutions without a shadow of risk can be called democratic. They can't be higher 12% per annum if the mortgage is issued for ten years.

Also, when buying an apartment on the secondary market, you can receive a state benefit or use maternity capital in some cases. This is a very significant assistance, which gives a certain guarantee of housing for large families and other categories of citizens. If we generalize the practice of obtaining a mortgage to purchase housing on the secondary market, it becomes obvious that this is a very promising offer from Russian commercial banks to help buy it.

But, as with anything, there are downsides to be found. They are made up of several factors. This is a likely opportunity to recognize housing as dilapidated. In this case, its demolition is inevitable. And this is resettlement, which is not entirely good. There was a measured life, which suddenly breaks off and a new, not very comfortable stage begins.

How to get a mortgage on a house

It can be a loan for both construction and purchase of already finished house- doesn't matter. At the same time, any sober thinking person there are quite natural concerns about mortgages, because we have all heard stories about how banks deceive their customers, how people get into long-term financial bondage, and much more. In general, if you are interested in how to take a mortgage on a house with profit for yourself and not lose face, then this material is definitely for you.

Essence of a mortgage loan

To begin with, let's figure out what a mortgage is and why it is worth taking it. So, mortgage is a bank loan issued by a bank for the purchase of a property secured by this property and subject to interest. That is, you borrow money from the bank, buy an apartment / house / land with them and gradually pay off the debt to the bank. If you cannot pay, then the bank simply takes the purchased property to pay off the debt.

An initial fee

In 90% of cases, the bank will not give you money just like that, you will first need to confirm the seriousness of your intentions and the first installment - a great opportunity do it. It is required by absolutely all domestic banks, the only question is the size. As a rule, it is from 10 to 40% of the total cost of the house you are buying, that is, if the house you want to buy costs 10 million, then with a down payment of 10% you will need to deposit a million. Already existing real estate can serve as a down payment, so the task is greatly simplified.

Loan costs

As soon as you decide to take out a mortgage on your house, immediately get into your head the idea that you will need to spend a fairly significant amount of money on additional expenses. Firstly, the whole procedure takes a lot of time and this means that you will settle in the chosen apartment not today and not tomorrow, but in best case a month later. Secondly, you will also spend money on insurance, realtor, notary services and all necessary paperwork. Also, you will probably encounter banking commissions, in our country and in the world as a whole, banks are very fond of getting more money out of their customers.

A specific plan for how to take out a mortgage on a house or its construction

1. First of all, we choose a bank and a mortgage program. If you have already made your choice, then read reviews on the Internet about this bank.
2. Gather everything Required documents. You will need a certificate of income, a copy of the passport, a copy of the work book, technical documentation of the acquired property, a contract for its sale. Some banks may add something else to this list.
3. Wait for a verdict on your application. If it is negative, then it is better to contact another bank.
4. When your case is approved, you will immediately receive funds and you can use them to purchase the desired house (well, or build it).

Possible Mistakes When Taking a Mortgage Loan

The main mistake that you need to avoid at all costs is overestimating your own capabilities. Properly assess how much of your monthly income you can spend on regular payments and, based on the results, choose which mortgage you should get.

Of course, we all want a bigger apartment, better and in a prosperous area, but you should think ten times and figure out whether you can pull such an amount along with interest. It is also worth calculating force majeure situations, this will avoid serious losses. There is a risk that you will lose your jobs - how will you then pay the bank? In general, there are a lot of problems and everything needs to be carefully considered. To save your own time, as well as for convenience, you can use mortgage calculators to help you choose the best mortgage loan.

Obtaining an ordinary mortgage loan for a young specialist

This path does not involve the use of any special program - you just go to one of the banks (after selecting the one that makes the least high demands on borrowers) and submit documents there. The fact that you are a young person and under 30 years of age may result in a denial of extradition mortgage loan, but this is far from the end - keep trying and you will definitely find the bank that will agree to finance your home purchase.

Your ability to pay off your debt plays a huge role: the higher your monthly income and the lower the monthly mortgage payment, the higher the likelihood of a positive decision from the bank. From here you can immediately give advice: take the least expensive apartment and for more long term, for example, 20-25 years, if that you can close the mortgage earlier.

Mortgage Loyalty Programs

They are also called salary or corporate. Many banks offer more profitable terms those people who receive their salary or the company in which they work is serviced by this organization. Employers are also interested in such motivation systems, because the presence of such programs is an additional incentive for their employees. But despite all these advantages, lending programs on special conditions are not very widespread today and we would not recommend counting on them.

Details on whether the bank has special programs for payroll employees and corporate clients can be found on the bank's website, or during a personal visit there. Here it is worth paying attention to one feature of corporate programs: they are valid until the moment you work in this company.

If you suddenly decide to change your job, then that's it - mortgage conditions change dramatically and not for the better for you. The situation is similar in the case of payroll clients. If you get a mortgage on special conditions on this line, then you will not be able to be served in another bank. So think a few times about whether it's worth it before putting yourself in these chains.

Government mortgage programs for certain occupations

For now Russian government not particularly striving to help young people and state employees in particular, but there are still some advantages, and you can count on more favorable conditions, but this is only if you work in the field of education, healthcare or science. Here are the bonuses that the owners of these professions have:

Interest rate on your mortgage will not exceed 10.5%, which is already a very tempting offer.

Most often, these kinds of loans have special repayment schemes: at first, the monthly payments are small and gradually increase. This is done with the expectation that you will move up the career ladder, your income will grow and in 10 years you will already be able to pay more than right now.

When children are born, the rate will be reduced. This, again, is entirely a government initiative and they are an additional incentive to start a family.

Remember such a thing as maternity capital. A very significant amount, especially if you do not live in Moscow and St. Petersburg.

Unfortunately, today these programs are carried out exclusively by mortgage lending agencies and some state-owned banks. Do not forget that it is help from the state that large families can count on.

Reviews:
Gulnaz, in Sosnovy Bor I personally applied for a loan of 5 thousand for a week from them, they urgently needed the money, they approved it immediately and 20 minutes had not passed, the money was transferred to the card, I withdrew it after 2 hours, they say, the transfer time depends on the bank in which the card is issued. Everything is fine, as promised, everything was returned on time, which is probably why there were no problems.

Reviews:
Sofia, in Kaluga At the beginning, of course, there was fear, suddenly deceived, suddenly torn off by huge percentages. My fears turned out to be false. Great service. I took 10 thousand rubles. for fifteen days, an overpayment from dozens, if not hundreds of times less than in the bank with their thirty percent. After that, I repeatedly turned to the loan service honestly. If my words are in doubt, then go to their site, everything is more than described in detail.