В днешният пост ще обърнем малко внимание на ипотечните кредити. Тъй като това са най-дългосрочните кредити е добре да сте наясно със всеки един детайл около тях, все пак се обвързвате с банката за период от над 10 години, а понякога 20-30.

Най-кратко казано, ипотечен кредит означава поемане на ангажимент (финансов) към банка, в залог на която вие ипотекирате ваш имот или имот който възнамерявате да придобиете с този кредит. На практика не вие а банката си купува нов апартамент и след като сте изплатили кредита, банката ви прехвърля собствеността върху този имот, най-често апартамент. По-ясна представа за ипотечните кредити може да добиете като прочетете тази статия: http://bg-credits.com/mortgage.html

Имя няколко вида ипотечни кредити, които само ще спомена тук, а в статията която съм ви препоръчал по-горе, може да прочетете индивидуално за всеки.

Ипотечен кредит за покупка на имот (жилище)
Ипотечен кредит за строителство и довършителни работи
Ипотечен кредит за ремонт и подобрения
Рефинансиране
Не целеви ипотечен кредит

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