Реально ли оформить вторую ипотеку при непогашенной первой?

Автор: admin  //  Рубрики: Азбука недвижимости

 

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Реально ли оформить вторую ипотеку при непогашенной первой?

Многим гражданам, семьи которых увеличиваются, нередко требуется взять второй ипотечный кредит, несмотря на то, что первый еще не выплачен. Насколько возможна вторая ипотека в современных условиях, и что требуется, чтобы банк согласился на это?

Вторая ипотека: суть, особенности оформления

По сути, чтобы получить вторую ипотеку, нужно оформить дополнительную ссуду по существующим ипотечным программам. Клиент, желающий оформить такой кредит, просто обращается в банк с запросом, и организация дает ему ответ.

Основные критерии, по которым банк принимает решение, предоставить ли клиенту кредит, следующие:

  • наличие стабильного дохода, который позволит покрыть расходы по двум кредитам;
  • хорошая кредитная история, то есть дисциплинированность в выплатах по всем предыдущим кредитам;
  • наличие имущества, которое может выступать в качестве залога. Таким образом банк застраховывает себя на случай невыплат со стороны клиента.

Как правило, для оформления второго ипотечного кредита рекомендуют обращаться в тот же банк, в котором клиент брал первый кредит. Правда, можно обратиться в другую организацию. Например, если данный банк отказал в оформлении второго займа или предлагает неприемлемые условия кредитования.

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Условия оформления второй ипотеки

Все банки рассматривают заявки желающих оформить второй ипотечный кредит, используя похожие методы. Например, Сбербанк при подобном обращении определяет выплаты, которые должен будет вносить заемщик по обоим кредитам. Затем подсчитываются все доходы заявителя, после чего делит получившиеся суммы платежей по имеющимся доходам и умножает на 100. Если в итоге получается 50% и больше, вторая ипотека может быть оформлена. Если же получается меньшая цифра, высока возможность отказа.

Иногда желающие оформить вторую ипотеку обращаются к материнскому капиталу. Правда, его не всегда хватает для покрытия двух займов.

Если речь о военной ипотеке

Что касается военной ипотеки, повторно ее оформить можно в определенных случаях:

  • при необходимости улучшения жилищных условий;
  • перевод клиента по службе в другой город;
  • изменение семейного положения или прибавление в семье.

Важно знать, что по двум ипотекам такого типа одновременно расплачиваться нельзя. Поэтому военным рекомендуют либо оплатить первую ипотеку, либо во второй раз взять обычный потребительский кредит.

Как правило, если требуется вторая ипотека, важно убедить банк, что у заявителя есть финансовые возможности оплачивать ее. Поэтому нужно предъявить все документы и справки, подтверждающие это.

С уважением, Андрей Ляпустин

 

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