The most common form of payment is the seller and the buyer through a leased them together bank box - laundry and ironing. With the help of the banking unit solved the main problem - where to keep money in the registration period, because after signing the sales contract takes several weeks before they will check the ownership of housing in the relevant state bodies.

Pros:

Safe deposit box rented under the contract, which included an additional condition for the opening of the cell - the mandatory presence of representatives of both parties to the agreement, which monitors the implementation of a bank representative. One undeniable pluses deposit box is that, if the deal for whatever reason did not materialize, then the buyer without any complications can withdraw their money back - in accordance with the terms of the contract. The banking unit has another advantage: it can be used for temporary storage of not only money but also securities, and the other going to pay values.

Cons:

Less such form of payment - the possibility of blackmail and fraud. For example, the seller after laying the money and signing contracts with the bank disappears, and sells an apartment to somebody else, and then require several thousand dollars for the fact that in his presence, the buyer could recover their money from the safe. And vice versa: the acquirer after registration refuses to go to the bank and soliciting money for the seller opened the safe and took his money now.

The situation is completely deadlocked, especially considering that many banks have in the contract item, according to which one year after the termination of the contents of the safe payment becomes the property of the bank. In other words, either pay as requested, or lose everything.

By the disadvantages can be attributed to the fact that the bank is not responsible for the contents of the safe and correct position in the travel agent, considering it a personal matter of the client. The last shall not issue any documents showing the amounts sent to the safe, and in case of conflict situations, it is impossible to prove that it is and how many customers they hid in the safe and taken out from there.

A significant drawback of this scheme - a very problematic service chains exchanges. In addition, the administration of the bank is far from the problems of the seller and buyer.

In addition, rent deposit box - not gratuitous exercise. The security must be paid. And it is the relative security of payment in transactions through the banking unit may negate some of the disadvantages of its use.

Bank credit

The most reliable system of payments to date is a bank letter of credit. But realtors use it enough because of the increased `love` market participants to cash and the general distrust of non-cash banking transactions. Nevertheless, in the recent past it was fairly common.

The essence of the calculation scheme by bank letter of credit is as follows. The buyer opens a account in rubles or foreign currency. Means to block the receipt of specified documents such as registration certificates, certificates, and `` perepropiske etc. When papers filed, funds are transferred to a pre-opened by the seller, with banks usually decide for themselves the problems of conversion, if needed, and cash .

Pros:

The main advantage of the credit - all payments are made by means of transfer. Thus, the seller and the buyer is spared the trip to town with a suitcase `` banknotes, and the procedure of calculations in the transaction of real estate becomes independent from the `human factor '. Another advantage of this scheme is its flexibility - it allows relatively easy to maintain different versions of chains exchange. In contrast, deposit box, credit for those who move from one city to another: non-cash form eliminates all possible problems that might arise in the calculation.

Issuance of bank documents, susceptible of proof of payment, the impossibility of fraud with counterfeit money should also be attributed to the benefits of the scheme. But it can not do without escrow service real estate agency, because the bank is not obliged to monitor the authenticity of the documents provided.

Cons:

A major shortcoming in the calculation of bank credit in real estate transactions is that, in the event of failure of a transaction or a confrontational situation with the seller, the buyer's money stuck, and get them blocked on the condition of the credit account he can only through the courts.

It should also be noted that using the scheme should be indicated in the notarial contract only the full value of the transaction. A bank, respectively, shall notify the tax office of all open accounts.