How are alternative transactions involving the banks, what are their characteristics, to which in this case must be ready to sellers and buyers, we asked experienced Nizhny Novgorod real estate agencies.

Tatiana Lyubimov, deputy director of real estate agency "Vivat-Realty"

Additional work with a mortgage in cases of "pure" sales do not represent any difficulty. The process becomes more complicated if the mortgage loan is part of the payment for an apartment, located in the "chain" of alternative sales. It is difficult not only technically, as psychologically.

The fact that the money on a mortgage the bank will transfer the client only if the registration of transactions in GUFRS NO. All contracts of purchase / sale, including mortgage contract shall be registered simultaneously. The deadline for registration of the contract of sale / purchase alternative - 1 month, the mortgage contract - 7 working days. Thus, the seller signs a contract for the sale, the buyer receives from some of the money and two weeks waiting for the final calculation. Flats it, consider already sold and the money for it is not yet fully received. Not everyone is ready for this test. Hence, the task of real estate agents not only to clarify this point and mentally prepare the seller, but also have obligations of the parties of the transaction documents.

In the work of our real estate agency practice the following options:

- The first - with the mutual consent of customers throughout the chain of rental contracts are drawn up with payment by installments. Be sure to indicate that the final payment must be made not later than a specific number. The transaction is recorded monthly mortgage contract - 7 working days, so there is a temporary provision for the implementation of settling all parts of "chain". The main thing is that at the time of registration of the last apartments in the "chain" has been made final payment.

- Second - taking money from real estate agency of citizens to keep and timely payment in full with the "clean" the seller, who need only money and nothing else. In this case, between agencies, real estate - brokers in the deal - to conclude agreements on cooperation between the customers are issued provisional agreements of intent.

But in any case, if compiled apartment chain with the participation of the mortgage, apartment prices in the contracts of purchase / sale of fixed.

Besides the mortgage, you can use the trust bank loans for housing purchase. For example, Sberbank of Russia issued the loans to citizens if the required package of documents and two guarantors. The apartment is bought for cash in the bank documents were offered on the purposeful use of credit. The purchased flat passes into the bank until the mortgage loan, and the sureties shall be exempt from duties.

For real estate agents so pleasant mortgage loan, but we always work as convenient to the client. If necessary, help to collect the documents to the bank. For more information, the cost of services to the appraiser, the insurer pays for the one who takes the credit.

Now the banks have received many suggestions. We work with any bank, which chooses our client.

Thus, the complexity of alternative transactions involving the mortgage is a great advocacy of real estate agency. We try to bring home to the client that the final calculation of all they will get the time of registration transactions GUFRS but that apartment prices set forth in the contract of sale / purchase, do not change, and that the installment payment will not affect the purchase of the next in the chain "apartments.

Irina Rahcheeva, director of real estate agency "Hope"

Of course, convenient and easy to sell their apartment and buy another one day. If property "chain" is complemented by a mortgage, the seller may be some sort of psychological barrier. The seller in this case will receive money from the buyer in installments. The final payment will occur after the transfer of bank money on a mortgage at the expense of the buyer, and then - at the expense of the seller. Typically, this happens almost simultaneously.

In our real estate agency in alternative transactions involving mortgages, first making a preliminary agreement of intentions - a notary or beznotarialny. It clearly defines the price of the apartment and the dates on which it must be sold. These contracts are all "links in the chain.

The main thing is that in such cases, every client, as a result, will receive exactly what he needed. And the prices will rise. How it looks in practice, here is last year's example. In our real estate agency was a complex "chain" with the participation of seven apartments, three of which were with a mortgage. The story lasted for almost four months. At the end of the "chain" was one-bedroom apartment. Its very easy to sell. Such housing is always in demand. Seller of this apartment urgently wanted money, did not want to wait. He bought an apartment on the money "top" of the seller. He improved the living conditions and for this he took out a bank loan. It would no longer be any complications. That's just the bank we were very lucky. Because of the bankers admitted errors in the documents twice suspended the transfer of money. And yet, despite the real estate agents are independent of the obstacles, we were able to meet the challenge of each customer in the alternative transaction involving a mortgage, the value of apartments in the "chain" has not increased nor the ruble.

It has become all much easier. Many banks have the practice of transferring money to the seller's account on the day of filing for registration in the Office of the Federal Registration Service. It's enough to give the bank a certificate from the inspector GUFRS, who received documents. It is very convenient for all participants in real estate transactions.

The specialists of our agency is also offering customers benefit from best from our point of view, the service of the Savings Bank. Its essence is as follows: the client takes the money in the bank under the guarantee of two persons. Buy an apartment with the assistance of bank funds and shall be made in the property buyer. Then this property is applied in the form of mortgage encumbering Sberbank, and the sureties from liability for payment of the loan borrower exempt.

Agents with such problems, just do not cope. A real estate agency will help each client. Come. Are waiting.

Sergei Sorochan, manager of real estate agency "Monolith"

The buyer with a mortgage in an alternative transaction might occur, at least two problems.

The first: the bank did not immediately transfer the money to the account of the seller. Most often they are listed or after the registration (although in the case of the mortgage registration of the contract of sale GUFRS acceleration), or by agreement with the bank. Thus, the money at the expense of the seller may come in two days, and within two weeks. Sold it may capricious, stand in a pose of Napoleon and wait for a buyer with a "live" money.

Second: the restrictions in the choice of apartment. It is known that with the sale of real estate that was owned by less than three years, will have to pay the tax. And to get a mortgage in the contract, most often, you must specify the full value of the apartment. Not every seller is to it.

That such problems may face mortgage buyer. If he wanders alone in the real estate market, stress is unavoidable. Such buyers in our real estate agency is not uncommon: looked like a campaign and came to the agents.

What can we help? We select only the options that might come up to the buyer. Flats, the full cost of which can not be specified, or do not offer or seek the consent of the bankers or vendors willing to wait several days, the money transferred from the bank at their expense.

In our real estate agency is the center of mortgage programs, working under contracts with the banks, among which there are those who are willing to give money on the day of the transaction. Specialists will help the buyer choose the best mortgage program. Brokerage thus may be even cheaper to service bank for the collection and verification of documents.

And sellers should remember that buyers with millions of states that are ready even now to pay for the purchase of real estate, very little.