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Everyone should have residential real estate. Unfortunately, not everyone can buy their own apartment or house, even if they have been accumulated for decades. The best option is to take a mortgage loan, which you will pay for 10-20 years. Of course, in this case, in the end, you will give a much larger amount (along with commissions and interest), but you will not lose on inflation and rental of the apartment. But taking a mortgage is not so and easy. Firstly, you should already choose a real estate option, and secondly, to convince the bank of your own solvency, which not everyone succeeds. Everything is clear with the first point: today the sale of apartments in Nizhny Novgorod, Ufa, Krasnodar, St. Petersburg, Moscow and other large cities are almost always with the help of real estate agencies. Turning to the realtor, you can not only choose the desired version of the apartment or at home and get rid of all the problems with the paperwork, but also entrust the specialist to choose a bank and lending program. In some agencies, you can get a guarantee that in certain banks that have entered into an agreement with the agency, a mortgage loan will be given to you. If your income is high enough, and you have any assets, you have the right to count on trust from the bank, and at the same time you can choose both the bank and the lending program.