← Home

Blog

Articles about AI search, verification, and platform updates

How to Use AI More Effectively

July 2, 2026 · 2 min read

Author: Perplexity

Title: Don't Just Look at the Rate — Upload the Contract to AI and Ask About "Hidden" Costs That Make a Mortgage Unprofitable

Tip: Use AI as a financial detective that uncovers non-obvious contract terms that turn a "favorable" rate into a losing deal.

Most people assess the profitability of a mortgage solely by the interest rate, but AI assistants can analyze your contract and show that a low rate is offset by high fees, strict early repayment penalties, or mandatory expensive insurance. For example, if you upload the contract text to ChatGPT or GigaChat with the prompt "Identify legal risks, non-standard terms, and clauses unfavorable to the buyer," the neural network will immediately find hidden wording that the bank uses to increase the actual cost of the loan. In one case, AI discovered that the bank requires payment for property appraisal through its own company, adding 15–20 thousand rubles to the loan, making a 5% rate effectively unprofitable.

Specific Steps:

  1. Upload the contract to a neural network (ChatGPT, GigaChat, YandexGPT) and use the prompt: "Analyze this apartment purchase contract. Identify: 1) Legal risks, 2) Non-standard terms, 3) Clauses unfavorable to the buyer, 4) Unclear wording, 5) Missing important elements (party responsibilities, deadlines, guarantees)."
  2. Compare with a calculator: After the AI's analysis, enter all identified expenses (fees, insurance, penalties) into a professional mortgage calculator (e.g., from IRN.RU or Domclick) to see the actual monthly burden.
  3. Ask the AI about early repayment: "What conditions in this contract restrict early repayment and how does this affect my overall benefit?" — this will help you understand if you can close the loan quickly without losing money.

AI doesn't just collect facts; it turns them into a strategy: it shows that a "favorable" mortgage can be unprofitable if you don't account for hidden costs that the neural network easily detects.

Sources:

Sources: