…Меня часто спрашивают друзья и знакомые: «Что вы посоветуете по поводу кредита?» «Посоветую не брать кредит», – отвечаю я. Но совершенно меняю свое мнение, если речь идет об ИПОТЕКЕ.

Об ипотеке существует много мифов. На самом деле при грамотном выборе ипотечной программы и правильном управлении своим кредитом, ипотечный заемщик переплатит менее чем в два раза и не лишится жилья по мановению кредитора. На самом деле, в отличие от аренды, вы становитесь хозяином жилья – самого ценного актива в нашей стране. На самом деле…

Впрочем, о том, что такое ипотека на самом деле, как раз и рассказывается в этой книге. Не могу утверждать, что мое мнение есть истина в последней инстанции, но я глубоко убежден: ипотека – это благо.

И вопрос стоит точно также, как в притче о казни и помиловании: «Брать нельзя подождать». А вот где именно поставить запятую – это вам подскажет знание правил игры на ипотечном рынке.

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Автор, конечно в силу профессии, стоит на стороне банков, оправдывая любое телодвижение в пользу банка.

Но все тонкости вполне понятны, и честно доведены до сведения читателя.

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Не поленился, и составил программку калькулятор платежей. Формула СБ аннуитентых платежей в открытом доступе.

Теперь каждый месяц откладываю денег, и считаю сколько я съекономлю на выплатах.

Мне посоветовали подождать окончания срока дествия решения, и повторно подать заявку на меньшую сумму.

Что я и собираюсь сделать, владея полнотой информации, и честно отстоять свои 5 лет выплат.

Автору спасибо, а читателю внимательнее считать суммы переплат за весь срок кредитования, и немного потратить время на пересчёт выплат, при условии увеличении первоначального платежа. Немного терпения и силы воли, позволят наэкономить себе на целый отпуск за границей.

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