The issue of mortgage concerns every 3 families. Bank customers are trying to speed up the repayment of the loan. Forget faster. If you take one mortgage loan - often there is a desire to take 2 times.

How to get 2 mortgages at the same time as the first, after repayment? How to determine the property, the right to own mortgage housing? Should I be afraid of 2 mortgages? What you need to know and consider before taking a loan 2 times? Questions worth studying before taking bank money.

Can I get multiple mortgages for one person?

Owning an apartment is a luxury. The dream of a young family. Therefore, own housing has to be taken with a mortgage. The apartment becomes the property of the bank - the subject of collateral. The lender thus guarantees the return of the invested funds. In order to guarantee the fulfillment of the terms of the contract, the apartment according to the documents is the property of the client. The name is fixed by the contract of registration. The client (borrower) undertakes to pay a certain amount of money every month. As many years as required by the contract. maybe early repayment.

The question arises: Is it possible to issue a mortgage for one person, and an apartment for another?

One borrower, turning to the bank with a request to register an apartment in the name of another person, may expect a positive response. The probability of such a decision is 0. The borrower may offer another collateral option. The collateral must attract the bank with value. Be sure to cover the full amount of the debt. The borrower is the sole owner of the property. Good collateral increases the chance of getting a positive response. The bank cannot dispose of the pledged property in any way. Completely quickly repay the amount of debt will ensure the execution of a conventional mortgage.

Practice distinguishes 3 options for registering a mortgage for one person, and an apartment for another:

• The mortgage is issued for one person, and another person pays it - the involvement of a co-borrower. The income of the co-borrower must not be lower than the amount established by the agreement. Every month, the co-borrower is required to make a minimum contribution. It can be a parent, husband/wife. The person whose name is registered must pay - the owner of the mortgage property;
• The borrower may ask to register an apartment for another person, provided that the latter can take responsibility for all obligations under the contract. The main thing is that the person meets the requirements, has an income not lower than the amount established by the bank - the minimum compulsory contribution. Otherwise, the bank will refuse;
• Early repayment is a great solution if you need to register an apartment for another person. Immediately after repayment, it is possible to remove encumbrances from the apartment, arrange for the right owner.

How many times can you take out a home loan?

The law does not establish a quantitative limit on the number of credit housing. How many mortgages one person can take is decided by the bank, assessing the client's ability to pay the installment and fulfill obligations.

A mortgage on an apartment can be approved 2 times. Many times, if the solvency of the borrower allows. At the same time, the financial institution evaluates the creditworthiness of the potential borrower and his credit history.

How can one person get a mortgage a second time?

To take a property through a loan 2 times, you must meet the requirements of the bank:

Salary - a stable sufficient level of earnings. The client must earn at least the amount of the minimum contribution for the obligations of the contract. You need to provide life, pay utility bills. Question: is it possible to get two mortgages for one person - the point of solvency is especially relevant. One borrower has to pay mortgage under 2 contracts. Be able to make a down payment. The borrower pays the down payment to the financial institution. The bank pays the residual value with a mortgage loan.

Have a good credit history. The concept hides the possibility of paying the premium on time. It is worth considering the fact that it is highly likely to take a second mortgage loan through one bank. Explanation: the bank already knows about the opportunities - the client is an “open book” for it. A new financial institution is forced to study the client before approving the application. To take a loan means to receive a personal percentage discount, a bonus.

Pledge. One person can get a mortgage loan a second time with bad story. The mortgaged property must recoup the amount issued under the mortgage loan;

Compulsory insurance. One person can get a second loan by agreeing to comprehensive insurance. Life insurance, property rights - an addition with the right to choose. To approve comprehensive insurance means to increase the chances. Establish yourself as a serious client.

Bank selection - important point loan processing for a person. There are a number of reasons why it is impossible to get a loan through one bank.

It is better to apply for a loan in another bank:

• The original lender refused to issue 2 loans;
• The bank did not live up to expectations, further cooperation is impossible. Choose another;
• Sberbank has many loyalty programs for areas of the population. Sberbank proposes to use part maternity capital as a down payment;
• I managed to find a bank that allows you to pay with differentiated payments. Beneficial for the borrower. Differentiated payments are provided by Sberbank. Pay by anyone convenient way. Bank, internet, ATM, terminal. There is an opportunity to make a permanent contribution - to issue an auto payment;
• The bank offers credit terms at lower costs.

Applying for a mortgage loan at Sberbank or any other is easy. The main thing is to study the requirements. Choose the right loan terms. The bank will evaluate the ability to pay monthly, the ability to make a down payment, the quality of the collateral.

All citizens of Russia are liable to pay the state the due monetary deductions. This method of maintaining the country has been practiced since ancient times. There are many differences in the modern version of taxation. One is the possibility of obtaining funds from the state in order to alleviate the difficult burden of the taxpayer. It is interesting, but not all residents of the state are aware of the possibility. In this material, we will tell you in what situation citizens are entitled to a tax deduction, how many times you can get financial compensation and how to arrange it.

A tax deduction is the amount of money by which the financial base is reduced, which is necessary to calculate the amount of deductions to the country's budget.

According to the Tax Code of the Russian Federation, there are six types of compensation from the state:

• professional;
• property;
• standard;
• social;
• applied during the transfer of damage to subsequent periods of taxation received from the securities actions and actions with monetary instruments under transactions of an urgent nature, listed on the organized market;
• applied when transferring damage from membership in an investment union for subsequent periods.

Who claims to use state compensation

Persons who can receive this compensation:

• physical;
• legal.

They must in without fail be, stay in the territory for at least 183 days in 12 months. Exceptions are citizens serving military service in a foreign land, other social categories.

Residents must receive income in the country, and pay 13% on personal income tax rate. If you do not belong to the category of working citizens and live on unemployment benefits, therefore, you do not pay this deduction to the treasury, and there is no deduction. Excluded from the list of applicants are businessmen working on specialized tax regimes.

Now let's see in what situation residents of Russia can claim compensation.

When buying real estate intended for housing

When buying a real estate in which you are going to live, you are obliged to pay tax to the state treasury, therefore, you also apply for a deduction. You need to become the owner:

• cottage;
• apartments;
• townhouse;
• country house;
• rooms;
• piece of land for construction work.

Buying real estate is one of the reasons to claim the right to monetary compensation

The upper limit of the amount that will be deducted in this situation is 2,000,000 Russian rubles. If the price is higher, you will not be able to get on top of it. If less, then you can add the limit through the next purchase living quarters. Since the tax rate is 13%, the maximum refund amount is 260 thousand, but only for the case when housing is bought without using a loan from a credit institution. Otherwise, you can claim interest on the funds received on credit for the purchase, not more than 13% of 3,000,000.

In this article, we will consider how to issue a tax refund for an apartment on your own, what papers to prepare and what documents are needed.

We present a list of documents required to be presented to the tax service in order to receive compensation.

Table 1. List of documents required by the tax service to provide a deduction

	Document
	Forms and
	Purpose loan agreement (if any)
	Confirmation from the credit institution on the payment of interest (if any)

Video - Property deduction when buying real estate in 2017

When receiving higher education at a university on a paid basis

When paying for tuition at the university, when a student receives education on a paid basis, his parent or relative who pays the bills receives a deduction.

Pay attention to the most important conditions! Education must be full-time, and the age of the student must not exceed 24 years.

In addition to deductions for studying at a university or institute, parents of students who attend commercial ones receive a deduction:

• kindergartens for preschoolers;
• private schools, etc.

When taking advanced training courses in educational institution who has a license to operate, is also expected to pay compensation. Adults can claim a deduction for children no more than 50 thousand rubles. For themselves, they receive no more than 13% for 120 thousand paid in total in 12 months of the reporting period, while the amount also includes social expenses, such as paying for treatment and making money for insurance.

In this case, the inspection for processing the issuance of funds expects to receive:

• statement;
• completed forms and;
• an agreement between an educational institution and a person;
• license;
• certificate issued to full-time students;
• check for payment for the passage of training.

During treatment

You can also receive monetary compensation for the costs that have gone to pay:

• medical procedures;
• medicines;
• research in the laboratory.

It should be noted that the taxpayer must purchase medicines according to the prescriptions of the doctor conducting the treatment, the state will not pay for unauthorized purchases. Therefore, keep the main confirmation of your right to receive money: medical prescriptions. In addition, you need to keep receipts for medicines or receipts for paying for medical procedures.

• a license to conduct medical activities from the organization where they received treatment;
• statement from the taxpayer;
• forms and;
• a photocopy of the agreement on the provision of medical services;
• a medical certificate confirming the receipt of treatment;
• payment documents for the services of doctors or purchased medicines.

By the way, this deduction format is called social. It also includes taxpayers who donate sums of money charitable organizations. They can receive a deduction in the amount of a quarter of the income they received during the 12 months of the reporting period. The same column includes pension contributions cumulative nature, acquiring the form of insurance premiums and providing a pension not from the state.

This article will help you figure out how to draw up documents for a tax deduction, who is entitled to it, and also how much you can return.

How do you get a deduction

Receiving a deduction is possible through two main methods.

1. At the end of the period of 12 months, you can receive the entire amount due to the account plastic card, passbook, etc. In this case, you yourself are engaged in the preparation of the necessary papers by visiting the tax office to which you belong at the place of residence, or simply by uploading electronic copies to Personal Area on the official resource of the tax service on the network.
2. Do not pay income tax individuals over some time period. In this situation, you will have to contact at the beginning tax service and then to the employer. In the first place, you receive official confirmation of the right to claim a deduction, in the second place you submit them, and 13% of the personal income tax rate is no longer deducted from the wages paid to you for a certain period of time.

Note! For 12 months, the deduction cannot be made in a larger amount than 13% of wages. You can declare a deduction within 36 months from the cost, at the end of which the taxpayer loses this right.

Tax deduction: how many times can you use

According to the norms established by law, you can get a tax deduction several times in your life in most areas, for example:

• for studying at a university;
• getting an education in commercial kindergarten or school;
• receiving medical care;
• purchase of medicines, etc.

In fact, for these areas, the “zeroing” of the due compensation occurs every 12 months, that is, they can be claimed annually. However, things are different with the deduction for the purchase of housing. It gives one money limit for life. It turns out that you can use it either once for the entire amount, or several times until the due deductions are received in full.

Prior to 2014, the rules were in force, according to which it was possible to apply for compensation for the purchase of a home on a targeted loan only once, and only for one immovable object. After the onset of 2014, the situation has changed and now compensation can be received for several real estate objects acquired after the entry into force of this legislative initiative.

According to legislative acts, the date when housing was officially purchased is considered:

• the day indicated in the extract from the Unified State Register of Real Estate regarding the registration of ownership of the object;
• the day when the housing was transferred to the shareholder participating in the construction.

If the date of acquisition of the object fell before 2014, and you received a deduction for it, it turns out that even if the amount was not spent, you are not entitled to deductions for another property purchased from 2015 to 2017.

Let's take an example. In 2009, you bought an apartment for half a million and, according to the law, received a refund of 65,000. According to the law, the taxpayer is entitled to a large amount, but since the first apartment was bought before December 31, 2013, you cannot claim the balance.

As for paying interest on a targeted loan taken before the end of 2013, it had no restrictions, but it could only be used for one purchase. This is because the separation between deductions for property and percentage separation did not exist before the onset of 2014.

Let's take an example. In 2011, you bought a small apartment in Moscow and used it to receive monetary compensation from the state. Then, in 2012, a second apartment in the suburbs was bought with a mortgage. When contacting tax office you were refused to pay interest on the loan, since the right to compensation has already been activated, that is, it has been exhausted due to the possibility of its one-time use.

However, if instead of 2012 you decide to purchase housing in 2015, also in a mortgage, you have the right to claim interest coverage, since you used only the standard deduction.

After the first day of 2014, legislative changes came into force regarding the receipt of a deduction for real estate. Now its amount is 2,000,000 units of Russian currency, which can be received in installments until the due amount is paid.

Let's take an example. In 2016, you buy an apartment for half a million rubles and return the 65,000 that are due to you. The next year, you decide to buy a townhouse in the suburbs, paying 3,000,000 for it. So, for this residential property, you can get 13% of the remaining one and a half million, i.e. 195,000.

With regard to the payment of compensation on interest, the format of their provision has also changed.

1. It is separated from the main deduction for the cost of acquiring real estate and can be received regardless of its use.
2. The relationship between this payment and the cost of acquiring real estate is not established.
3. The maximum amount receivable is 390,000 (13% of 3,000,000).

Let's take an example. In 2016, you bought a townhouse at a cost of 8,000,000, for this you took out a mortgage for 6,000,000, on top of which you must pay 3,500,000 percent upon return. It turns out that for this purchase you can claim a deduction of 260,000 (13% of 2,000,000) and 390,000 for interest coverage (13% of 3,000,000).

Summing up

Getting a tax deduction is a serious help for taxpayers who make expenses and pay contributions to the state treasury. It is important that every resident of the country has a complete understanding of how to receive it and in what cases one can claim the right to compensation for expenses. This can significantly ease the financial burden and make life much easier. Please read this article carefully and decide how you will exercise your legal right to receive contributions. We wish you good luck!

Imagine that some time ago you took out a mortgage. You made monthly payments and after some time thought about taking on a new mortgage. The reasons for obtaining a new mortgage loan can be very different. It is possible that you are expected to replenish the family, and you want to expand the living space. Or you decide to buy a new separate apartment for your children or parents. Or maybe you are planning to invest money in order to make a profit. Anyway, the question is how many times can i get a mortgage and can i take new mortgage, if the first mortgage has not yet been repaid, many people are concerned.

We will answer immediately: banks can issue as many mortgage loans as the borrower can pay. That is, you can take out a mortgage as many times as you like - you can have two, three or four mortgages if you have enough money for it.

Let's first look at the option where you take out a new mortgage without paying off the old one. That is, you want to have two or more mortgages at the same time.

First, you must have money for a down payment. Buying an apartment in a mortgage implies a down payment of 10%.

Second, you must have the money to pay for any additional mortgage costs that come with the deal.

Thirdly, and most importantly, you must have enough Money to pay the monthly payment on the new mortgage + the old mortgage, as well as for living expenses. Moreover, this must be documented income (certificate 2-NDFL, certificate in the form of a bank), which meets the requirements of the bank. Calculating your options bank will definitely deduct from your salary the expenses for children, food, maintenance of existing loans and credit cards. It will also deduct payments on new and old mortgages. If 40 to 50% of your salary remains, then you will be approved for a new mortgage. After calculating your income and expenses and coming to the conclusion that you have almost half of your salary left after all the expenses, bank analysts will most likely endure positive decision on credit. So bank minimizes its risks.

So we told you about how many times can you take out a mortgage at the same time.

Please note that data on all loans is stored in several unified databases of credit histories. Everyone has access to them bank, therefore, not telling the bank about the current mortgage and trying to get a new one, most likely, will not work.

Now let's look at the option of obtaining a mortgage loan if you have already paid off one mortgage. As in the first case, you can apply for as many subsequent real estate loans as you like. At the same time, the advantage of this option is that you are no longer burdened with a valid mortgage, which means bank can give you a large amount loan. Also, with an already paid mortgage, you become a client with a positive credit history. And many banks give discounts to customers with a good credit history, because. they are considered more reliable. In addition, you are already the owner of one apartment, which means that you have an asset in real estate, which is also very attractive for the bank.

Therefore, simply calculate all your payments (you can use our calculator) and feel free to apply for a new mortgage or several mortgages at the same time.

Bank – « credit organisation, which has exclusive right carry out the following Bank operations: attracting funds from individuals and legal entities, placement of the indicated funds on its own behalf and at its own expense on the terms of repayment, payment, urgency, opening and maintaining bank accounts individuals and legal entities” (excerpt from federal law No. 395-1 "On banks and banking"). For a mortgage lender, it is important who lends it and under what conditions ((we often met market operators who, not being banks, issued mortgage loans). Therefore, it is not so important where to get a loan, it is important on what conditions it is issued (for example, what are the requirements for real estate) and what are the down payment and the final overpayment.At the same time, you should be wary of various kinds of consumer cooperatives and mutual aid funds (practice shows that any even the most enslaving mortgage is better (cheaper) several times than these forms of lending, so it is strongly not We recommend contacting any cooperative companies).

More than half of the apartments today are bought at the expense of borrowed money bank through mortgage lending. But sometimes life circumstances force us to turn to creditors repeatedly to buy a second or even a third property. This raises the actual question of how many times one person can take out a mortgage.

After loan repayment

So, how many times can you take out a mortgage on a home? In fact, the number of housing loans per person is unlimited. After all, a mortgage loan is a commercial transaction between a lender and a borrower. It is profitable for the bank to give loans to conscientious clients, because they make a profit. If the client has previously taken a mortgage and repaid it regularly, then nothing prevents him from taking another one Housing loan if he needed to.

Another question is how many housing loans the borrower is able to repay. After all, a mortgage loan is issued on certain conditions and requirements. The most important factor is the age of the borrower, his financial solvency and financial burden. That is, when applying for another loan for the purchase of housing, the client must be able-bodied, his earnings should be enough to pay monthly installments, and preferably there should be no large obligations to other creditors.

Please note that the credit history of the borrower always plays a decisive role; in the eyes of the lender, the borrower must have a high degree of financial responsibility.

With a home loan

It's much harder to get another home loan if you're already paying off your mortgage. And sometimes it happens that you did not have time to pay off one loan, but are forced to take another one to buy another home. It is extremely difficult to do this, and for this you need to follow some requirements:

• the income of the borrower, together with the co-borrower, must allow the payment of monthly installments on all loans;
• mortgage required to purchase commercial real estate, which will generate income for the payer;
• the first mortgage was issued for the purchase of real estate for the purpose of renting it out and making a profit.

AT individually the bank can consider any application from the client. In particular, families with an increased income level have a chance to get a loan, or the borrower has a financially wealthy co-borrower. That is, you can apply to the bank in any case, but the decision of the lender may depend on many factors.

additional information

There are no special provisions that would regulate how many times you can take out a mortgage on housing. It depends primarily on the solvency of the client. Moreover, the client's income is not only wage These include allowances, pensions, additional earnings. One caveat - each type of income must be confirmed by a certificate in the form of 2-personal income tax, this applies to both part-time work and profit, for example, from renting out real estate.

When re-applying for a mortgage, especially if you have not paid off the previous loan, consider the fact that payments to the bank should not exceed 40% of the total family income.

Another question, if you want to re-mortgage for the purpose of renting out housing, then you must inform the lender about your intention. The fact is that the apartment until the full payment of the mortgage is owned by the bank, and the borrower is responsible for its condition. In most cases, the bank may refuse to issue a loan for the purchase of housing, which will subsequently be rented out.

How to re-loan

Here, the registration procedure is no different from the initial appeal. The requirements for borrowers are also no different, the borrower will also have to collect a full package of documents and provide an initial payment, unless otherwise provided by the terms of the mortgage lending program.

You must leave an application at the bank and wait for the lender's response. If it is positive, then you can provide documents and make a deal. And thus, you can do it an unlimited number of times, the main thing is that the income allows you to pay loans.

Flaws

When applying for a mortgage for the first time, the borrower can count on participation in various bank programs and on state support. For example, if you belong to the category of young families or young professionals, then many commercial banks offer loans for favorable conditions, under low interest. When you apply again, you will not be provided with any benefits, on the contrary, the bank will determine the maximum percentage and more stringent conditions for you, especially if you have already paid loans ahead of schedule.

The second disadvantage is that when initial registration mortgage, the borrower is entitled to a tax deduction of 13% of the value of the object, but not more than 260,000 rubles. This opportunity is provided only once, unless the cost of the first residential property was less than 2 million rubles. When applying for a tax deduction again, the amount from which 13% is deducted is calculated as follows: 2 million rubles minus the cost of the first home, 13% must be deducted from the balance, this will be the amount of the deduction.

In addition, the borrower has the right to return part of the interest paid on the mortgage when buying the first object. You can return 13% of the amount of interest paid on the mortgage, but you can do this only once and only from no more than three million overpayments to the bank.

So, how many times in a lifetime can you take out a mortgage? This is decided only by the borrower, and the bank decides whether to issue a loan or not. In other words, it is not forbidden by law to conclude transactions with the bank repeatedly. The only question is the solvency and responsibility of the borrower.

The legislation of the Russian Federation does not spell out how many times one person can take a mortgage, therefore, according to the law, there are no restrictions: the decision remains with the bank. Lenders are ready to give as many loans at the same time as the client is willing to repay without significant damage to his financial position. In general, the amount of all payments on loans should not exceed 40-50% of the total family income.

• confirm your ability to pay (salary from an official place of work, money from renting an apartment, social benefits);
• have a good credit history, preferably in the same bank;
• meet the requirements of a financial institution (ideal age 25-40 years, work experience of at least a year);
• make a deposit or make a down payment.

Sometimes it is necessary to attract co-borrowers. In this case, income will be summed up and the chance of obtaining another loan will increase.

Important: if one of the co-borrowers refuses to pay, then debentures in in full fall on another.

Borrowers may experience difficulties if a second mortgage is issued on an apartment that is planned to be rented out: until the entire amount of the debt is paid, the property remains the property of the bank, and the debtor is responsible for the condition of this living space. In this case, the financial institution may refuse to lend or increase the rate.

Important: if the bank becomes aware that mortgage apartment is rented out, and the borrower kept silent about it, the lender has the right to demand early repayment of the debt.

If the property already has one apartment, then the second can be taken without down payment by registering the existing property as collateral. The only caveat is that you cannot sell the mortgaged apartment until the mortgage is repaid.

Is there a difference, in one bank or in several

You can apply for two or more mortgage loans in one financial institution, and in several. The only difference is that in "their" bank, the borrower is more likely to get a second mortgage than in a new one.

If you take a loan from a bank where you already have a loan for real estate, then:

• it is not necessary to re-confirm the existence of an apartment: all necessary information already has with creditors;
• you have a chance to receive a reduced interest if you have previously repaid the debt in good faith;
• if the first mortgage is almost paid off and a new one is needed, it is easier to sign an additional agreement and increase the current loan amount than to issue another loan.

Important: even in "their" bank, the borrower needs to re-confirm all his income.

If the second mortgage is issued in another bank, there is no need to hide the presence of the first one from creditors. Bank employees always make inquiries about their borrowers, and if undeclared debts are identified, they may refuse to issue funds.

Under what programs can I take housing again

There are no special programs for obtaining a second mortgage. However, there are several options that allow you to take another mortgage loan on the same favorable terms as the previous one. These include:

• A loan for an apartment in a new building accredited by the selected bank. Thus, bankers support the developer and attract new payers. You can take out a mortgage at a reduced rate on a new home as many times as the borrower can afford.
• Mortgage lending for the military. For this category of citizens, preferential terms for another mortgage are preserved if it is planned to expand an existing housing space or when transferring to a service in another locality.

For some government programs provided only one-time mortgage credit lending. For example, young families in need can take advantage of preferential terms only once, and apply for subsequent mortgages on a common basis.

Disadvantages and Limitations of Second and Subsequent Mortgages

The main limitation for obtaining another mortgage is the financial capabilities of the borrower. If you are able to pay off several mortgages at the same time and can document this to the bank, then there will be no problems.

When wondering whether it is possible to take out a mortgage several times, you need to understand that when re-lending governmental support limited - for example, preferential terms for young families and professionals.

Restrictions on tax deduction

People who bought real estate may temporarily not pay income tax(13%). Thus, you can return up to 260 thousand rubles.

In 2014, the law was amended, so the return conditions before this year and after are different:

• if the apartments were bought before 2014 and their total cost is not more than 2 million rubles, then you can count on a tax deduction from only one object of your choice;
• if the housing is acquired later, the deduction can be applied to several objects.

Important: in any case, the total amount of the refund should not exceed 260 thousand rubles.

How many times in a lifetime can you get a mortgage

Mortgage refers to long-term loans: it is issued on average for 15 years, so few dare to take repeated loan to living space. As a rule, a second mortgage is needed if:

• the borrower acts as a mandatory co-borrower;
• parents who pay off a mortgage take another one to provide housing for their children;
• It is planned to expand the existing apartment.

The borrower, having assessed his capabilities, can decide how many times to take a mortgage. If income allows you to get two or more long-term loans, then neither the bank nor the law can interfere.

The chances of getting a second loan increase if the previous one is fully repaid. In cases where a mortgage loan is taken before the current one is closed, banks will more carefully check the solvency of the borrower.