Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Deprecated: preg_replace(): The /e modifier is deprecated, use preg_replace_callback instead in /home/np12524/domains/otve4aem.ru/public_html/libraries/rokcommon/RokCommon/Service/ContainerImpl.php on line 454 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/plugins/system/rokextender/rokextender.php on line 32 Deprecated: iconv_set_encoding(): Use of iconv.internal_encoding is deprecated in /home/np12524/domains/otve4aem.ru/public_html/libraries/joomla/string/string.php on line 28 Deprecated: iconv_set_encoding(): Use of iconv.input_encoding is deprecated in /home/np12524/domains/otve4aem.ru/public_html/libraries/joomla/string/string.php on line 29 Deprecated: iconv_set_encoding(): Use of iconv.output_encoding is deprecated in /home/np12524/domains/otve4aem.ru/public_html/libraries/joomla/string/string.php on line 30 Deprecated: Non-static method RokCandyHelper::getMacros() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/plugins/system/rokcandy/rokcandy.php on line 28 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/administrator/components/com_rokcandy/helpers/rokcandy.php on line 13 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/administrator/components/com_rokcandy/helpers/rokcandy.php on line 14 Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method RokCandyHelper::getUserMacros() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/joomla/cache/controller/callback.php on line 159 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/administrator/components/com_rokcandy/helpers/rokcandy.php on line 24 Deprecated: Non-static method RokCandyHelper::getTemplateOverrides() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/administrator/components/com_rokcandy/helpers/rokcandy.php on line 18 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/administrator/components/com_rokcandy/helpers/rokcandy.php on line 41 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/administrator/components/com_rokcandy/helpers/rokcandy.php on line 42 Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method RokCandyHelper::readIniFile() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/joomla/cache/controller/callback.php on line 159 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/plugins/system/rokbox/rokbox.php on line 51 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/plugins/system/rokcandy/rokcandy.php on line 67 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/plugins/system/rokcandy/rokcandy.php on line 37 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 421 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Declaration of LikeWhereClause::testRow() should be compatible with WhereClause::testRow($row, $rowSchema = NULL) in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantryflatfile.class.php on line 662 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 188 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 189 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 246 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 247 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 205 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 489 Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1085 Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/includes/application.php on line 539 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1085 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Declaration of GantryParamProcessorAlias::postLoad() should be compatible with GantryParamProcessor::postLoad(&$gantry, $param_name, &$param_element, &$data, $value) in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/params/processors/alias.php on line 17 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 489 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 489 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 489 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/utilities/gantrycache.class.php on line 70 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 321 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 324 Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 337 Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/includes/application.php on line 539 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 337 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Strict Standards: Non-static method GantryLoader::import() should not be called statically in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/gantry.php on line 40 Deprecated: Non-static method GantrySessionParamOverride::populate() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1239 Deprecated: Non-static method GantryCookieParamOverride::populate() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1240 Deprecated: Non-static method GantryMenuItemParamOverride::populate() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1243 Deprecated: Non-static method GantryMenuItemParamOverride::_populateSingleItem() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/params/overrides/gantrymenuitemparamoverride.class.php on line 36 Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/params/overrides/gantrymenuitemparamoverride.class.php on line 54 Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/includes/application.php on line 539 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/params/overrides/gantrymenuitemparamoverride.class.php on line 54 Deprecated: Non-static method GantryUrlParamOverride::populate() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1246 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 1053 Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/features/inactive.php on line 31 Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/includes/application.php on line 539 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/features/inactive.php on line 31 Deprecated: Non-static method JSite::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/features/pagesuffix.php on line 38 Deprecated: Non-static method JApplication::getMenu() should not be called statically, assuming $this from incompatible context in /home/np12524/domains/otve4aem.ru/public_html/includes/application.php on line 539 Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/features/pagesuffix.php on line 38 Что такое ипотека?
Strict Standards: Only variables should be assigned by reference in /home/np12524/domains/otve4aem.ru/public_html/libraries/gantry/core/gantry.class.php on line 489
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Дек 23 2013

Что такое ипотека? Ипотека  (от греч.  «Hypotheke» - залог)  – это ссуда, которую должнику придется выплачивать на протяжении  длительного периода времени.  Она выдается под залог недвижимого имущества для купли жилья. В VI-VII веках до нашей эры в Греции это выглядело так: на земельной территории заемщика ставили столб, который и называли «ипотекой». На нем писали имя того, кто занял деньги, и сумму, какую ему следовало отдать в положенный по договору срок. Если заемщик не выплачивал долга, тогда заимодавец забирал ту часть земли, которую он отделил для себя этим столбом. Долг, таким образом, погашался конфискацией части земельного владения должника.

Сейчас условия ипотеки отличаются от тех веков: в случае непогашения долга должник не теряет заложенное имущество, отдавая его кредитору. Но он не в праве им распоряжаться так, чтобы завещать кому-либо или продать. До тех пор, пока не погасит задолженность.

Многим людям не реально сразу купить дом или квартиру из-за высоких цен и маленьких зарплат. Снимать жилье тоже дорого и нужно постоянно его менять. Каждый человек мечтает о собственном уголке. Ипотека – это именно то, на что решаются в таких случаях. Другими словами – это жилье в кредит.

Плюсы ипотеки

1) Быстрое получение своего жилья;
2) Выплата кредита в длительный срок;
3) Психологическое удовлетворение от того, что ты платишь за свое постоянное жилье, а не чужое временное;
4) Доступ к регистрации (прописке) в приобретаемом жилье.

Что может служить залогом?

Это может быть какое-то помещение, как предназначенное для жилья (дом, квартира) так и нет (помещение для производства) с землей и без, а также сам земельный участок. 

Сроки погашения кредита

В какой срок необходимо погасить ссуду? Это зависит от того, в какой банк вы обратились, от суммы кредита и суммы, высчитываемой на его погашение, которая зависит от ваших денежных доходов, т.е. возможностей. Обычно как минимум это от 3 до 5 лет, максимум от 15 до 30 лет. 

Условия банков различны и вы будете выбирать оптимальный для вас вариант. Но в любом случае, как только вы доведете оформление ипотеки до конца, сразу станете владельцем так желаемого вами жилья. Если вы оформили ипотеку на квартиру в том доме, который еще предстоит построить, тогда вы станете ее владельцем только после того, как соответствующая комиссия оформит все документы по введению построенного дома в эксплуатацию.
 
Поскольку ипотека связана с долговыми обязательствами, то вам не следовало бы торопиться. Уделите этому вопросу достаточно времени и внимания. Проконсультируйтесь со специалистами, узнайте больше обо всех условиях предоставляемого вам кредита. Вы должны удостовериться, что достаточно хорошо все узнали и затем принять взвешенное  решение.  После этого вам остается радоваться приобретению собственного жилья, особенно после выплаты ипотеки!  
 
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