In the first place, the borrower has an opportunity for more favorable conditions to take a loan in another bank and fully repay the mortgage. The new loan may have a lower interest rate; this does not change the amount and timing of payments. However, many banks are seeking to insure themselves against the early repayment of loans and impose a moratorium related - from three or more years. If the period of stay has expired, you can begin to renew a mortgage loan to another bank. This right is used, if necessary to reduce the monthly burden on the family budget.

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