If you're looking for free mortgage advice, then you've come to the right place. On our project “Ipotekaved.ru” you have the opportunity to ask questions about mortgages for free and receive a quick and qualified answer from an expert. An online mortgage consultant will answer your mortgage questions and, if desired, provide you with all the necessary assistance. legal assistance, and will also help with smart mortgage choices.

Why is it worth asking us?

A typical mortgage consultation at Sberbank, for example, is:

1. Wasted time and money on a trip to the bank or a call.
2. Waiting in line to see a specialist.
3. One-sided information about your opportunities to get a profitable mortgage loan.

Consultation with an expert from the Ipotekaved.ru project means:

1. Saving time and money (our expert will answer your question for free in the shortest possible time).
2. If you don’t have time to wait or your question is of a specific nature and you don’t want other readers of the project to see it, you can ask it to our online consultant in a special window in the lower right corner.
3. Selection of profitable and effective lending offers specifically for your specific situation. Our consultant is an expert in this matter. He knows the conditions and features mortgage programs several dozen banks and has many years of experience in mortgages in largest banks countries. An ordinary bank consultant simply does not have such a wealth of knowledge and experience.

A consultation with us will allow you to choose the best option mortgage offer and save tens of thousands of rubles, as well as realize your dream of owning your own home.

Example. If you decided to buy an apartment in a new building now and went directly to Sberbank, they would offer you a mortgage at 11.5% at a promotion for developers. With a mortgage amount of 2 million rubles. over ten years you would pay the bank 1,374,291 percent. But, if you had consulted with us first, our expert would recommend taking a closer look at the program for developers of Uralsib Bank, which offers to take out a mortgage for a new building from 10.8%, which would allow you to save 95,403 percent in ten years, not to mention that life insurance in Sberbank is 2 times more expensive than in other banks and the benefits are actually greater.

If you already have a mortgage, then even more so you should ask a question about the possibilities in your situation to pay it off early at the expense of “someone else,” as the family of our readers from Novosibirsk did.

Thanks to consultations on our project, they learned what it was and received 439,600 from the state, and were also able to do it correctly, which brought them an additional 143,000.

We look forward to your questions in the comments below. We hope that you will become our regular readers and subscribe to project updates, and also share a link to us on social networks.

To get an answer to your question, simply ask it in the comments below. In the shortest possible time you will receive an answer right here.

If you need legal support, then the “Online Lawyer Consultation” service is available to you.

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Why do hundreds of clients trust us?

1. We realistically assess our capabilities. We charge for services only when we can provide real help. We always inform you in advance how much it will cost to protect the client’s interests in court. We warn you if upcoming expenses unreasonably high to resolve the issue.
2. The success of our business is directly dependent on the reputation of each mortgage attorney. We value the good name of the company most of all, so you are no less interested in the successful resolution of the conflict.
3. We represent the interests of clients in a number of large cities and regions of the Russian Federation: St. Petersburg, Krasnodar Territory, Smolensk, Samara and Ulyanovsk Regions, Primorsky Territory, Far East, Yamalo-Nenets Autonomous Okrug, Kabardino-Balkaria, North Ossetia.
4. They work at the Collegium with an academic degree, many of them teach at universities in Moscow. Thanks to fundamental theoretical training and successful practical experience We practice doctrinal interpretation of legislative acts.
5. Collegium employees regularly contribute valuable contribution in the development of new laws and regulations at the federal and regional levels.

We answer popular questions:

How to Hire a Mortgage Lawyer

At the first consultation, we develop a strategy to resolve the issue.

To do this, you (as the principal) provide all the necessary Documents for study: contracts, project documentation and any necessary materials regarding the case.

If the Documents are not enough, we get acquainted with the details of the case through an oral, face-to-face consultation. If there are significant volumes of Documents, the Lawyer requests several days to study the materials.

After preliminary preparation, we agree on the terms of cooperation. At this stage, it is very important to introduce the lawyer to all the nuances of the case - this significantly increases the chances of success.

How our lawyers work

The work process begins with an oral consultation. All information that the client communicates to the lawyer is protected by attorney-client privilege. Even the fact that you contacted our company is classified as confidential information.

During the consultation process, we ask a number of questions that help to understand the essence of the matter. Together with the client, we develop a preliminary strategy for resolving the conflict situation.

If for objective reasons the issue cannot be resolved with the help of a Lawyer, he will inform you about this and offer an alternative way out of the situation.

Immediately after studying the materials and preliminary preparation, we move on to discussing the conditions for further joint work in the near future.

Lawyer and mortgage lawyer. What is the difference?

At best, a lawyer only has specialized education. To obtain the prestigious status of a Lawyer, you need special training, experience, several years of work experience and passing a special exam at the Bar Association.

A lawyer has the right to conduct business in Supreme Court, as well as in authorities at all levels and in any region Russian Federation. Only a lawyer can conduct criminal cases.

A lawyer acts on behalf of a client by proxy. To represent the interests of the Principal in court, the Lawyer only needs to obtain a special warrant from the College.

How much does a mortgage lawyer cost?

The cost of services is calculated individually because it depends on a number of factors. Often the pre-announced amount changes both up and down.

The results of our lawyers’ work always compensate for the costs of their services. Otherwise, we will definitely inform you in advance.

Cost of a mortgage lawyer

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Our Moscow mortgage lawyers

• consultation on collateral of property;
• advice on mortgage lending;
• change in mortgage terms;
• protection of interests, representation in court;
• drawing up statements of claim.

Our services

Our lawyers will help in resolving issues related to housing disputes! In the practice of the Bar Association "Gribakov, Polyak and Partners" of the city of Moscow there is a large number of successful cases related to mortgages. Contact us.

More details about the service

Before deciding to purchase residential premises with receipt mortgage loan you must either familiarize yourself with the provisions Federal Law 07/16/1998 N 102-FZ “On mortgage (mortgage of real estate)” - the main document that regulates the procedure for granting and receiving a loan, as well as the rights and obligations of the parties who entered into a mortgage agreement, or contact a mortgage lawyer.

A mortgage lawyer, as well as a mortgage lawyer, will help you understand all the intricacies of the legislation on mortgage of real estate, answer all your questions related to the mortgage loan, and help you check the purity of the mortgage transaction.

A mortgage lawyer can also help you choose a bank whose mortgage agreement is more in your best interests.
One of the most common questions when applying for a mortgage is: joint ownership spouses for housing purchased with a mortgage, as well as options for obtaining a mortgage loan, in which the property in the event of a divorce will belong to the spouse who pays the mortgage loan.

In general, in accordance with Article 1 of the Federal Law “On Mortgage (Pledge of Real Estate)” and Article 334 Civil Code In the Russian Federation, a mortgage is a legal relationship by virtue of which the mortgagee has the right to satisfy his monetary claim against the debtor under a secured obligation from the value of the mortgaged property primarily before other creditors.

Today, a huge number of real estate transactions are concluded using borrowed funds. This allows you to purchase real estate, but it also entails risk adverse consequences, for example, if the borrower has lost the ability to pay the mortgage loan.

Changes in mortgage terms

Many borrowers are faced with the bank’s refusal to change the terms of the mortgage or restructure the debt. A mortgage lawyer will help you solve this problem. According to mortgage legislation, changes in conditions mortgage agreement carried out with the consent of both parties. Mandatory change is possible only with an increase in the amount of principal and interest on it.

But often banks arbitrarily change the terms of the agreement. In this case, a mortgage lawyer can help you, who, through the court, will declare the changes made to the mortgage agreement unilaterally invalid.

It is also worth noting that changing the terms of the mortgage agreement is possible only after state registration information about the encumbrance real estate. Otherwise, the changes are not valid and cannot be enforced.

If you find yourself in a similar situation or want to avoid it, our mortgage lawyer will give you legal advice on mortgage.

A mortgage lawyer is also needed to invalidate a mortgage agreement. Claims to invalidate mortgage agreements are quite rare, since their satisfaction is possible only if the following conditions are met:

• absence of essential information in the contract (information about the persons who entered into the contract, the content and size of the main obligation, as well as the deadline or procedure for fulfillment);
• lack of description of the subject of the mortgage (if there is not enough information to identify the subject).

Taking on loan obligations is always an extremely responsible step, before which you should not only carefully evaluate your prospects, but also familiarize yourself with the provisions of current credit legislation. Moreover, laws are constantly changing - new ones are adopted, old ones are repealed, some are amended - and therefore, while repaying the loan, you will have to constantly monitor all the innovations.

However, it will be extremely difficult for an ordinary person who does not have a legal education and the opportunity (or desire) to constantly keep abreast of events to protect his rights in the event of another unexpected change introduced by the legislator.

In order not to find yourself in a difficult situation and not to be deceived by the creditor - both before signing the agreement and during the continuation of payments - get free consultation our mortgage specialist by simply calling us or asking your question via online chat.

You can contact a qualified mortgage lawyer at a time convenient for you and ask any question you have on the relevant topic.

Although it is best to get the first consultation (which, like all subsequent ones, will be free) even before signing a loan agreement - this will help save not only your money, but also your health - you can contact a specialist for advice at any stage of your relationship with the bank, from concluding a deal for full repayment of the loan.

Among the most frequently considered situations by our consultants are the following:

• you are just thinking about taking out a mortgage (or any other loan), including foreign currency. Any loan comes with increased responsibility and associated risks, so first, get a free assessment of your prospects from our specialist;
• you have already spoken with a bank representative and now all that remains is to sign the documents. It should be understood that such a contract is a multi-page document, printed in small letters and containing many difficult-to-understand speech patterns and additional conditions, which are almost impossible for an ordinary person to understand. Therefore, before making a final decision, get a free consultation with our lawyer in any form convenient for you - by phone or online;

• You, for whatever reason, have not made regular mortgage payments for some time. This is an extremely unpleasant situation, since when taking out a mortgage loan, the collateral is the purchased home itself, which means you can lose your apartment at any time. To avoid this, consult with a mortgage professional as soon as possible;
• you argued with the lender (developer, insurer) regarding any terms of the contract and other important details. To resolve the conflict without resorting to litigation, get a competent assessment of the current situation and your capabilities from our lawyer;
• the case has already gone to court - it doesn’t matter, they filed it statement of claim you or your counterparty. To successfully collect Required documents and properly prepare for speaking in court, get free advice from our lawyer.

Benefits of getting free mortgage advice

Previously, it was quite difficult to obtain advice from a qualified specialist with extensive experience in positively resolving issues related to mortgage lending.

First, you had to make an appointment, take time off from work, and spend more or less a long time traveling to and from the professional's office.

Secondly, consultation knowledgeable specialist It was not cheap and was not available to everyone. Often representatives of the least protected segments of the population – pensioners, disabled people, etc. – could not receive it.

Thirdly, each lawyer has office hours, which you will have to adjust to in any case. For example, you may not be able to get advice at night or on a holiday.

The specialist consultation offered by our website has the following advantages:

• it's completely free. You will not have to spend money either on getting a consultation or on making a phone call;
• it does not require registration or disclosure of personal data. You can just call the specified number phone number or write in the online chat window without giving your real name or other information. The only thing you will need to do when ordering a call back is to indicate the phone number to which the specialist will call you in the future;
• it is confidential. Any information you provide will never be passed on to third parties. This is a matter not only of the integrity of our lawyers, but also of professional ethics;
• it is available. You can call at any time convenient for you - be it night or morning, weekday or weekend - and ask as many questions a day as you need. In addition, to get help, you don’t even need to leave your home: just call, order a call back or write a question you are interested in in the online chat window;
• she is efficient. If you left a request for a call back or wrote in a chat, our specialist will answer you as quickly as possible.

How to get free legal advice on a mortgage

You can get professional help in several available ways:

• call the phone number indicated on the website hotline. It’s extremely simple, fast and absolutely free: you don’t pay for the call itself or for the consultation;
• Request a call back from a professional. To do this, leave your contact information in the appropriate form at the bottom of the page. It also doesn't hurt to indicate your preferred time to start the conversation;
• If you don’t want to talk by phone, write your question in the online chat. At the same time, try to formulate your thoughts as specifically as possible and remember all the important details: this will help the lawyer answer you faster and more correctly, without asking leading questions.

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Mortgage lawyer in Moscow

A mortgage lawyer specializes in resolving issues related to the purchase of a primary home using a bank loan. Mortgage legal relations have their own specifics regarding loan repayment. Despite the relatively transparent terms of the contract, the mortgage throws up many pitfalls. It is simply impossible to understand all the nuances on your own.

In what cases is it better to contact mortgage lawyer:

1. Entering into a mortgage

The initial stage of concluding an agreement with the bank is the period when the borrower can still influence the future fate of payments. Will the lawyer tell you how to choose a mortgage, why you shouldn’t take a loan in foreign currency, and what to look for when choosing a developer?

1. Signing the contract

When entering into a mortgage, an individual enters into an agreement with a bank, insurance company and developer. A huge amount of documentation is confusing, which can lead to incorrect actions. Insurers and lenders often play on people's gullibility. Silence about the terms of the transaction, imposing dubious clauses, fishing for additional funds - this is not a complete list of deceptive, but invisible at first glance, tricks. As a result, the borrower faces a sharp increase in mortgage rate and is forced to pay beyond the contract.

1. Dispute with the bank

Late payments for an apartment lead to conflicts with banking institutions. Not all creditors agree to a settlement; some banks deliberately go to court. Litigation is not complete without the involvement of a lawyer. It is in the client's best interests to entrust the case to a qualified lawyer.

1. Real estate foreclosure

Particularly difficult are cases when the borrower loses a court case and may lose new apartment. Contacting a lawyer will help you avoid adverse consequences and save your home.

It is important to understand that the sooner you contact a specialist, the higher the chance of successfully defending your housing rights. A mortgage lawyer will provide a detailed consultation, and if necessary, act on the borrower’s side in court.

Mortgage lawyer services

The services of a mortgage lawyer are aimed at lending in the primary housing market. Expert support helps the client get out of a difficult situation. The lawyer will find a way out even if the case is sent to court.

Legal services:

1. free consultations on mortgage lending;
2. analysis of documents and assessment of the prospects for the upcoming dispute;
3. assistance in obtaining a mortgage;
4. checking the legal integrity of the developer and the lender;
5. presence at the conclusion of a mortgage agreement with the bank;
6. advice on choosing insurance;
7. representation of the client in court;
8. appealing decisions of a judicial authority;
9. protection of the borrower’s property from collection by creditors;
10. other help.

Entering into a mortgage is a serious financial risk that is transferred to the shoulders of the client. If a husband and wife have a joint mortgage, the lawyer will draw up the obligations of each spouse in the event of divorce. The occurrence of arrears on a loan also requires the involvement of a lawyer. An expert will help you negotiate with the bank and spread payments over a longer period.

Monthly annuity payments in accordance with the payment schedule.

What commission should I pay to the Bank for providing a loan?

There is no fee for issuing a loan.

Is it possible to register an apartment purchased on credit as common property?

Yes, the purchased apartment can be registered as common property:

• co-borrowers;
• the borrower and his family members (children and parents);
• the co-borrower and his spouse, as well as members of his (their) family (children and parents of spouses).

Will an apartment purchased with a mortgage be pledged to the Bank?

Yes, the purchased property is pledged to the Bank until the loan is fully repaid (if the terms of the loan provide for the registration of the loaned property as collateral). As part of the “Purchase of Finished Housing” programs, it is possible to register both the collateral of the purchased apartment and the collateral of an existing apartment as collateral for the loan.

Can the Bank provide a loan without taking into account solvency?

No, the maximum loan amount can only be determined based on the solvency of the borrower/co-borrowers. In this case, co-borrowers on the loan can be: individuals no more than three people.

I am a single mother, I am 30 years old. Can I count on preferential loan terms?

Yes you can use credit program Bank "Young Family". For you, the maximum loan amount can be up to 80% of the value of the property.

What is the maximum loan amount the Bank can issue?

The loan amount is determined based on your solvency and depends on the collateral provided, but it cannot exceed those established by the Bank maximum values in accordance with the terms of the loan you have chosen.

Is there any way to lower the interest rate?

Yes, the possibility of lowering the interest rate is provided for a loan, in accordance with the terms of which a mortgage is provided for the property being financed, after proper registration of which, as well as insurance of the property being financed in favor of the Bank, the rate can be reduced. You can see a detailed table of interest rates on the Bank's website.

What determines the interest rate on a loan?

The rate depends on the type and term of the loan, size down payment, as well as the category to which the Bank’s client belongs.

I am 22 years old. Can I take out a housing loan from the Bank?

Yes, if you have verified monthly income.

I live in Samara, but I want to buy an apartment in Moscow. The house in which I have my eye on an apartment is being built with the participation of loan funds from the Bank. Where can I get a loan?

You can get a loan at the Bank branch at the place of construction of this Object real estate.

Where can I get a home loan?

You can get a loan at the Bank branch at the place of registration of the borrower or one of the co-borrowers, at the location of the real estate being financed. And if you work at an enterprise accredited or serviced by the Bank under the “ Salary project", you can also get a loan at the location of the employing company.

I already have one apartment, but I want to buy another one for my daughter. Which loan should I choose?

You can use the Bank’s loan program “Purchase of finished housing”, “Purchase of housing under construction”. In any case, as collateral for the loan, you can issue both a pledge for the apartment you are purchasing and a pledge for the apartment you already have. More detailed information You can find the terms and conditions for providing these loans on the Bank’s website.

What kind of property can be purchased with the money received from a home loan?

With a Bank loan, you can purchase an apartment, residential building or other residential premises located on the territory of the Russian Federation and not encumbered by the rights of third parties on the secondary real estate market, as well as on the primary real estate market (new building).

Do I have to somehow coordinate with the Bank if I want to repay part of the housing loan using maternal (family) capital?

A borrower who wants to repay part of his home loan at the expense of maternal (family) capital, must coordinate this issue primarily with the Pension Fund. He turns to the bank for a certificate about the balance of the loan debt, which is transferred to him Pension Fund to organize payments.

Have any special services been created at the Bank to help citizens prepare the necessary documents?

At the Bank, consultations with borrowers, as well as the preparation of necessary certificates, are carried out by loan officers at the place where the loan was received.

To direct maternal (family) capital funds to repay a housing loan, I must provide details of where to transfer money to repay the loan. What if the loan is issued in foreign currency?

Sberbank has developed and agreed with the Pension Fund two forms of certificates - for a ruble loan and for a foreign currency loan (for a foreign currency loan, its ruble equivalent as of the date the certificate is drawn up is also indicated). However, the Pension Fund transfers only rubles to the Bank, and the Bank independently converts them into the required currency and sends them to repay the foreign currency loan.

If the decision to repay a housing loan with maternal (family) capital is made, then where does the amount under the Bank's agreements go - to repay the principal debt or to reduce monthly payments?

The amount is sent to repay interest (accrued on the date of receipt of funds) and principal in accordance with the procedure for sending payments established loan agreement(excluding penalties, penalties, fines for late fulfillment of obligations). Based on the results of loan repayment (if early repayment) a new loan repayment schedule is drawn up with the borrower, while total term loan usage and repayment dates do not change, and the amounts monthly payments, naturally decrease.