As a rule, those people who want to buy real estate or make a major purchase need to get the maximum loan. After all, it is practically impossible for an ordinary citizen to accumulate funds to buy housing in Moscow.
Instructions
Step 1
In order to get a large loan, you need to choose a bank where the payment / income ratio is maximal. When calculating the loan, the credit institution takes into account the income that the client receives, minus the amount for the maintenance of the family, on a monthly basis. Some banks can issue a loan with a payment of 40% of the borrower's gross income. Others run the risk of providing a loan with a payment of 80%. Usually there are very few such lenders, but a payment of 60% is quite realistic to find on the lending market.
Step 2
Also, the following indicators affect the size of the loan: the size of the interest rate, the currency of the loan and the maturity.
The longer the term of the loan, the larger the loan amount the borrower can apply for. For example, a lending institution can provide a loan for a maximum period of 30 years. Moreover, the age group of clients is from 21 to 75 years old, that is, only a client not older than 45 years old can count on a long loan term.
Step 3
The loan amount can be influenced by the loan currency. The lower the interest rate, the higher the loan amount. And interest rates in many banks depend on the choice of currency. The most expensive loans are in rubles, and the cheapest are in Japanese yen. The last currency was introduced into circulation only by the Bank of Moscow as an experiment. That is, if you want to significantly increase the loan amount, then opt for a loan in Japanese yen or Swiss francs (interest rate 8-10%).
Step 4
To increase the likelihood of giving you the maximum loan, you need to attract people as co-borrowers and guarantors with a good and stable income. But one thing must be remembered: when attracting your relatives and friends to these roles, you must take into account that in case of non-payment of the loan, they bear the same responsibility as you. If you own an apartment, dacha or car, then the chances of getting a good loan will increase.
