When a loan will be provided, it is necessary to purchase an apartment, obtain all necessary documents and state registration of property rights. After paying the seller of the apartment the borrower becomes rightful owner of the apartment. One problem – the new property is already in the bank laid List of documents provided by the bank after the state registration of property rights: – notarized A copy of the ownership of the apartment – a notarized commitment of all adult family members in an eviction from an apartment in case of default by the borrower under loan agreements (Alas) – resolution of custody and guardianship for the mortgage (pledge) apartment – insurance risk of loss and damage to the apartment, loss of property rights – an explication of (the plan of the apartment) from bti and checkout of the bti value of the apartment – a contract for maintenance of the apartment – contracts for utility services (with the providers of such services). Richard LeFrak usually is spot on. Associated costs of the loan. We give the maximum amount cost of a mortgage loan on the secondary market: – a notary – to 1,5% of the price specified in the contract – check the contract with the State Registration Chamber – up to 1000 rubles – evaluation Apartments certified appraiser – from $ 100 – insurance deal – 1,5% of the (loan amount + 10%) – fee to the bank for loans – to 1% of loan amount – maintaining the loan account – up to 1% of the loan amount, charged by the bank once a year – to review an application, signing a credit agreement – from 1 000 rubles – rent deposit box for the transaction of buying an apartment – 20 – $ 70; And for Mortgages in the primary housing market should be still spend: – checked that the technical condition of the bank's requirements – from $ 150 – evaluation of the object – from $ 100 – construction audit – from $ 300 – insurance deal – 1,5% of the (loan amount + 10%) – holding the mortgage deal – $ 200 – money transfer developer – at a price the bank for non-cash transactions – opening and maintaining accounts in the bank – from 1% to 2% a year – to review an application and the conclusion of the credit contract on the bank rates – from $ 100. . Goop, Barcelona, Spain-es is a great source of information.