Before applying for a mortgage, the borrower needs to make sure that he has a good credit history, said Alexey Volkov, Marketing Director of the National Bureau of Credit Histories (NBCH) on October 12.
For this, the expert notes, it is important not to allow delinquencies on loans, as well as to use a credit card in good faith.
“Before going to the bank, it is recommended to request a credit history at the offices of the credit history bureaus (BCH) or online, including on the State Services portal. If unpaid debts are identified, they must be paid off or the company must be contacted to clarify the situation if the borrower believes that the active debt is inappropriate, “the Prime agency quotes Volkov.
At the same time, in case of past delays, the specialist advises taking a small consumer loan and repaying it ahead of schedule. Thus, the borrower will demonstrate his solvency and responsibility, he explained.
In addition, to increase the credit score, you can attract a credit card and replenish it on time, the expert said.
At the same time, Volkov warns against contacting organizations that promise to increase their credit rating primarily through “connections” or access to the database, since such services are fraudulent in nature.
On September 8, Professor of NRU MGSU Kirill Kulakov named the disadvantages of early repayment of the mortgage. He said that a mortgage at a low interest rate or additional subsidies from the developer to reduce the interest rate to 2-3% per annum, subject to a long loan term – all these factors indicate the disadvantage of the transaction.
A week earlier, independent real estate analyst Dmitry Maslov named the main mistakes of Muscovites buying an apartment on a mortgage.