Низкая процентная ставка — не самое главное при получении ипотечного кредита
Решающим аргументом при выборе банка в России для получения ипотечного кредита является рекомендация знакомых. К такому выводу по результатам опроса клиентов пришли в банке «ДельтаКредит». Было опрошено около 1 тыс. ипотечных заемщиков в 20 регионах России, гововрится в пресс-релизе кредитной организации. Наиболее существенными причинами выбора банка клиенты называли также условия оформления кредита и процентную ставку.
ТОП-5 самых популярных ответов выглядит следующим образом
- По рекомендации знакомых — 14,2% от числа опрошенных
- Низкая процентная ставка — 12%
- Остальные условия кредитования — 11,5%
- Оперативность (оформление, рассмотрение) — 7,7%
- По совету риэлтора — 5,2%
Руководитель департамента ипотеки и кредитов компании «НДВ-Недвижимость» Кристина Шульгина:
— На выбор банка оказывает влияние сегмент, в котором заемщик приобретает квартиру. На вторичном рынке можно обратиться в любой банк, который осуществляет кредитование готового жилья. Таким образом, на первое место выходят условия программ и рекомендации знакомых, которые уже оформляли ипотеку. Их мнение может оказаться решающим.
В случае приобретения новостройки заемщик осуществляет выбор между теми банками, которые аккредитовали данный объект. Поэтому банка, рекомендованного знакомыми и друзьями, может просто не оказаться в списке. Количество программ на объекте варьируется в зависимости от того, сколько банков аккредитовало объект. В ряде случаев выбор может быть ограничен всего несколькими вариантами.
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