First of all, if you think about buying an apartment on credit, you should think whether you can pay off a loan at a given time. The question is important, because even if you take a loan and they will give it to you, then you need to evaluate your capabilities and understand if you have enough money to repay it or not. So the cost of the apartment can be considered one of the primary tasks.

After that, look how much you are ready to give as an initial contribution. This item is very important, because it is closely connected with the first, since the amount of the initial contribution should not be less than thirty percent of the cost. In other words, if you take a loan for nine hundred thousand rubles, then they should immediately be prepared to initially make two hundred seventy thousand. At the same time, take into account the costs that will certainly accompany the execution of the loan and purchase an apartment. This can be:- insurance;- execution of a loan that also costs money;- paperwork;- banking commissions and so on. By the way, you will also need to provide a paper that will confirm your family income. The fact is that, according to the law, you should go away from the loan to be left no more than fifty percent of the total income.