Commercial loan rate

The spread of credit conditions is sufficiently large: the range of interest rates for homes secondary market - 9-14%. Buying an apartment in an unfinished house would cost a couple of percent more then on start building. Remember that the bank may declare a lower interest rate, but rather to establish significant "compensatory" duties, such as annual fees for account maintenance or inflated rates bank insurance company.
Judging by the interest rate, the loan in dollars or euros are much cheaper than in rubles. Many borrowers think much about the currency in which it is most profitable to take the credit. When a commercial loan is always necessary to take into account the currency in which you receive income. For this reason, the regional banks lend primarily in rubles, and capital - in dollars and euros. Another important factor is that in transactions of purchase and sale of real estate value of the flat is indicated mainly in dollars. If your salary is pegged to the dollar or the euro, credit must be in dollar if you receive income in rubles, you should probably think about the credit in rubles.

There is also a view that is more advantageous take credit  in a weakening currency. Recently this was a dollar. But now the trend is changing again. The mortgage is issued at least 10 years, the borrower should not try to prejudge the currency rates. Correct to take a commercial loan in the currency in which it plans to eventually pay off (or in which the borrower receives a basic income). This will avoid the additional costs of conversion.

In addition to foreign currency credit facility and purchased real estate on the bid confirmation form affects the borrower's income: by income, confirmed in a free form, the rate will be approximately 1% per year higher than income. When considering the total income rates may be slightly higher for borrowers whose marriage is not registered, compared to the "legitimate" co-borrower. Also depends on the rate of the commercial loan term: longer than you take out a loan, the higher the interest rate. By the way, at some banks interest rate can be modified downward as soon as the borrower will pay 70% more than the cost of the apartment.
In general, the proposals do not have the most profitable banks in the most unfavorable and programs - what suits one borrower is totally unacceptable for another.