Mortgages for secondary housing. Where is the best place to get a mortgage? Which bank? Mortgage advantageous offers from banks
Many people dream of buying an apartment, but not everyone can afford to spend such a tangible amount of money at once. There is often only one way out in such a situation - to take a mortgage loan. Many cannot decide on such a responsible step, realizing that such a loan will have to be repaid for a very long time. However, if you follow a few rules, as well as carefully choosing a bank, you can move into your own apartment without significant problems.
How to get a mortgage loan correctly and profitably
The decision to buy an apartment on a mortgage becomes the most important decision in life for many people. At the same time, I really want the loan to be as profitable as possible and not become bondage.
How to get a mortgage loan? This question inevitably arises among potential borrowers. In fact, there are several important rules, the observance of which will help make the purchase of an apartment a joyful event and will not allow the mortgage to spoil the life of the borrower.
- Before applying for a mortgage, you should evaluate your options. It is desirable that monthly payments do not exceed one third of the family budget. If you do not follow this rule, pulling a mortgage can be very difficult.
- It is best to improve housing conditions gradually. In this case, the payment amount will be lower. In addition, it will be possible to pay off the mortgage faster, and if you want to buy a bigger apartment in the future, you can get a loan under more favorable terms.
- It is not enough just to take a mortgage loan from a bank. You must make monthly payments on time. Maximum savings in the family budget will help create an airbag. Ideally, it should be around three monthly payments. This will help pay the mortgage even in case of temporary difficulties. When the "stash" is created, you can start partially early redemption. This will help you save on interest payments.
The minimum overpayment can be achieved not only when the best conditions for a mortgage loan are selected. It is important to buy an apartment when the market is falling. Is it worth taking a mortgage this year, read in a special review.
The best banks for mortgage loans
There is no need to rush into getting a mortgage. Even before making a decision, you should carefully read the offers of various credit organizations. To understand where it is better to take a mortgage loan. In this case, it is necessary to take into account not only the size of the interest rate, but also other conditions:
- Availability of additional commissions, insurances and payments.
- Terms of early repayment (including partial).
- The amount of the down payment. Let's say right away that it is quite difficult to get a mortgage loan without a down payment in 2019, because these are big risks for the bank. As a rule, the down payment on such loans starts from 10 percent. If you do not have a down payment to buy an apartment on credit, pay attention to banks where you can get a consumer loan for any purpose. The money you receive can be used to make a down payment on a mortgage.
A large number of offers on the market often leads to the fact that potential borrowers can get confused and confused. A huge number of tempting advertising slogans can be completely misleading. Therefore, it will be useful to use when choosing the TOP-5 best banks for a mortgage loan, compiled by specialists.
Online mortgage on favorable terms at Otkritie Bank
When deciding which bank to apply for a mortgage loan, you should not disregard Otkritie Bank. Mortgage lending conditions are quite loyal here. The client is offered several interesting programs to choose from, depending on the needs of the borrower.
Types of mortgage programs at Otkritie Bank
- Buying an apartment in a new building.
- Buying an apartment on the secondary market.
- Refinancing of mortgage loans of other banks.
- military mortgage.
- Real estate under maternity capital.
- Mortgage lending for the purchase of large apartments.
The interest rate at Otkritie Bank is determined by the mortgage program under which the loan was issued. You can count on a minimum percentage of 8.9% when buying an apartment in a new building or a military mortgage. Other features include a down payment of 10% and a maximum term of 30 years. Mortgages are processed online.
Profitable mortgage loan online through the Tinkoff-Mortgage service
The Tinkoff Bank service offers to consider offers from several banks for loans to buy an apartment. At the same time, the frightening thought of the need to run around the offices of various credit organizations can be abandoned. An online application for a mortgage through the Tinkoff website allows you to shift all the problems of sending documents to the bank to a personal manager.
After filling out the questionnaire on the Tinkoff Bank website, your application will be considered by several partner banks at once. After approval, it remains only to choose the best bank for a mortgage from the proposed list. Moreover, when applying for a loan through Tinkoff, you can get a discount on the interest rate of up to 1.5%. Given the large amount and term of the loan, this is quite a tangible savings.
At the moment, the minimum rate on a mortgage loan for an apartment in a new building starts from only 6% per annum. The maximum term is 25 years and the loan amount is up to 100 million rubles. It is very important that not only employees of companies, but also individual entrepreneurs can apply for a mortgage loan through the service.
Mortgage loan with bad credit history in BZHF bank
In the Housing Finance Bank, anyone can apply for a mortgage loan. Moreover, according to the bank, even borrowers with a bad credit history in the past can get a loan. The main thing is that at the time of application there are no current overdue payments on loans in other banks. This is one of the few banks where you can get a mortgage loan without refusal due to bad credit history in the past. BZHF statistics show that the bank approves 82% of submitted mortgage applications. This is a very high rate!
Conditions of a mortgage loan at the Housing Finance Bank
- Mortgage on 2 documents (passport and second document - SNILS, TIN driver's license).
- There is a mortgage program that allows you to get a loan without references on the day of application.
- Official confirmation of income, reduces the interest rate and increases the credit limit.
- Registration of the transaction and the apartment takes no more than 3 days.
- A mortgage loan is issued directly from the bank, without the participation of agents, intermediaries and commissions.
- Important! Residents of the following cities can apply for a mortgage loan online: Moscow and the region, St. Petersburg and the Leningrad region, Volgograd, Yekaterinburg, Kazan, Krasnodar, Krasnoyarsk, Nizhny Novgorod, Saratov, Novorossiysk, Novosibirsk, Omsk.
A mortgage loan is profitable with state support from VTB Bank
- The interest rate here starts at 10.2%.
- The initial payment is less than in many other banks - 10%.
- The possibility of registration without an advance payment for maternity capital.
In addition, this bank has a program “Mortgage loan with state support”. The program provides for preferential lending to families who have had a second or third child since 01/01/2018. For a certain period, a preferential rate of 6% is established with an initial payment of 20%. Do you agree that it is beneficial?
There is also an interesting program "More meters - lower rate" when buying an apartment from 65 sq. meters. That is, the larger the apartment, the lower the interest rate.
Mortgage lending for the construction or purchase of a country house from Sberbank
The country's largest bank, Sberbank, is also very active in the mortgage lending market. The bank willingly lends both to developers themselves and to borrowers who want an apartment on a mortgage loan. Moreover, even pensioners can apply for a mortgage loan, but on the condition that the repayment of the loan is provided for up to 75 years of the borrower.
As in other banks, it offers a mortgage loan with state support for families with children; mortgages for new buildings and secondary housing; military mortgage programs; mortgage using maternity capital. There are also programs that are not always found in other banks. This is a mortgage loan for the construction of a residential building, as well as a mortgage loan for the purchase or construction of suburban real estate (private house, garden plot, etc.).
Experts say that interest in mortgage lending in 2019 will not decrease. Most likely, it will only grow. With the right attitude to such loans, a mortgage will bring only the joy of moving to a new home. In this case, you should not take a loan in the first available bank. It is important to figure out where it is more profitable to take a mortgage loan. This will help save the lion's share of the family budget.
P/S Before you take out a mortgage, be sure to check out “5 Rules for a Comfortable Mortgage”
Now everyone has their own view on the question of which of the Russian banks is best to take a mortgage in 2019, so that it would be beneficial for the borrower. For some, the minimum interest is important, for others, long-term prospects and the location of the apartment are more important.
How to choose a mortgage program?
Today, customers face a difficult choice, because each organization tries to entice with its attractive conditions, however, there are “pitfalls” everywhere. Here are some tips for choosing the right loan.
For this you need:
- Decide what the ultimate goal of your application to the bank is. If you need an apartment in a new building, then look for programs for (primary) housing under construction, if you have looked after an apartment in a finished house, you need offers for the secondary market. There are also products for the construction or purchase of suburban real estate,
- Having decided on the goal, proceed to the search for banking companies in your city. For this, it is convenient to use such Internet portals as Banki.ru. In it, you need to indicate your city of residence, then select the section "Products and services" - "Mortgage" - "Advanced search",
- After the system offers you a list of banks, you can sort by interest rate, by loan amount, by down payment. Pay close attention to interest, because the lower they are, the less your overpayment will be.
Remember that your final overpayment will depend not only on the interest rate, but also on all the additional costs that you have to incur. Among the mandatory costs, it is worth noting the valuation of real estate and its insurance every year that the contract will be valid.
You can refuse personal insurance, this is an optional service that you have the right not to issue. If it was imposed on you, you have 5 working days to refuse. This rule does not apply to comprehensive insurance, as in VTB.
What should you pay close attention to when choosing a bank?
Of course, on the conditions they offer:
- the value of the interest rate - it should be the lowest possible in order to reduce the overpayment. Remember that on the official websites of various companies, as a rule, minimum percentages are indicated for a certain category of clients, for example, salary recipients here. If you do not belong to it, for you% will be 1-2 p.p. higher,
- PV size, i.e. how much equity you need to deposit. As a rule, this value is at least 20% of the required amount. For example, if you are applying for 1 million rubles, then you need to deposit at least 20,000 rubles to the bank. and higher. There are programs without a down payment, they are told about,
- term of the contract, i.e. return period. The larger it is, the higher the final overpayment, but the lower the monthly payment, and vice versa. Here it is up to you to decide what is more important for you at this stage,
- all additional costs, such as one-time fees for opening an account, renting a safe deposit box, commission for reducing%, etc.
- the possibility of early repayment without a moratorium and commissions,
- the ability to attract funds from maternity capital and other state subsidies.
If you need an apartment for a young family.
You can use preferential programs, for example from Sberbank of Russia. Here, customers under the age of 35 will be offered special conditions:
- minimum rate from 8.6% per year,
- a small down payment of 15% of the loan amount,
- as well as a long loan period of up to 30 years.
The term for consideration of the application is from 2 to 5 days, the minimum percentage can only be received when buying a home through the Showcase promotion on the Dom.click website. You can find out more in this article.
Please note that this offer is Sberbank's own promotion, which has nothing to do with government programs. Here you do not need to prove the need, you can own other housing, i.e. Anyone who meets the requirements of the bank can take advantage of this promotion.
There is also a special state program, which does not imply special lending conditions, but the provision of monetary compensation for the purchase of housing. Its size will depend on the region of residence and family composition, detailed conditions are described.
This program is the most popular now, as it allows families with two or more children to purchase their own housing on favorable terms. The state partially subsidizes the interest rate, and the borrower will need to pay only 6% per year, the rest is taken over by the state.
What conditions:
- acquisition of housing in the primary market (house or apartment),
- the presence of a down payment of at least 20%,
- the maximum amount is up to 3 million, in Moscow, Moscow Region and St. Petersburg up to 8 million,
- compulsory registration of comprehensive insurance.
It is noteworthy that the subsidy is not valid for the entire period of the contract, but only 3 years if the second baby was born, and 5 years if the third was born. They can be received sequentially.
Where are the lowest interest rates?
Name of the bank | Market type | Interest rate, per year |
Primary | From 3% | |
SMP Bank | Housing under construction | From 6.9% |
Interprombank | Secondary market | From 7% |
Primary | From 7.75% | |
Primary | From 7.9% | |
In a new building | From 8.5% | |
Apartments in new buildings | From 8.75% | |
Timer Bank | Secondary market | From 8.99% |
Tinkoff Bank | Share or room | From 9.25% |
Apartment or new building | From 9.5% |
If the client is included in the social categories of citizens
If you belong to the category of military personnel and are members of the NIS
For such borrowers, there is also a special offer for lending at a rate of 10.9% per year. It is being implemented.
Content
The problem of providing housing for everyone is still acute in the state. The construction of new housing of different price categories and classes is constantly underway. However, the income of the majority of Russians does not allow them to purchase square meters in a short time, so they must turn to credit organizations for help. In which bank it is better to take a mortgage in Moscow, everyone decides for himself after a thorough study of information on interest rates and terms for granting loans for housing.
How to choose the right bank for mortgage lending
To begin with, it should be said that there are no uniform conditions for housing loans, therefore, exact information should be clarified with each banking organization separately. Mortgage is a type of lending, the essence of which is the pledge of acquired residential property. The "legal cleanliness" of the property will definitely be checked, because housing loans are issued for the purchase of squares not only in new buildings, but also in the secondary market.
Before you decide which bank is best to take a mortgage, you should find out if it cooperates with any construction organizations, because then the buyer is provided with additional discounts and bonuses. Promotions may involve a reduction in the basic interest rate or an increase in the payment period, and maybe even a minimum down payment. Not bad if a co-borrower can be included in the total income.
Mortgage rates
Interest on housing loans depends on the term of the loan, the amount of the down payment and the value of the property. In addition, attention is paid to the currency of the loan, although recently they are trying to issue only ruble loans due to the high risks of non-repayment of money due to the growth of foreign exchange rates. All mortgage rates can be divided into three types.
Fixed rate loans are the most common, and for good reason. Firstly, the borrower always knows how much he needs to repay, and secondly, the interest does not depend on the economic situation in the country. Loans with a floating value are set with reference to some specific parameter, for example, a key (base) rate. They have not gained popularity in Russian mortgage lending, as there is uncertainty about the cost of a loan in the long term.
Mortgages with a mixed rate are widespread. Its essence lies in the fact that a banking organization exposes a percentage for using a housing loan, part of which is constant, and the second depends on certain indicators. For example, it can be the exchange rate of the national currency, the inflation rate or the weighted average rate on bank loans.
Insurance of the object of crediting and additional commissions
Additional security in the form of insurance of the purchased property and/or life of the borrower is of great importance for the bank when issuing mortgage products. Thanks to this, he can be sure of reimbursement of expenses incurred in case of force majeure. For the insured borrower, there is a bonus in the form of a reduced interest rate.
Down payment amount
Each bank has different requirements for the borrower's own funds. As a rule, a minimum threshold is set, and the maximum value is not specified. There are offers on the market with a zero down payment requirement, but this is found only in special lending programs. According to experts, in the current situation, payment above 30%, and better than 50%, with a loan term of up to 10 years, is considered optimal. According to the final overpayment, this approach is considered the most effective.
Delivery time
The period for granting a housing loan is what distinguishes a mortgage from other types of consumer lending, such as Loko Bank, where you can take a loan for any purpose, including the purchase of a home, for 5–7 years. Most mortgage offers are limited to an average of 20-25 years, but this bar also directly depends on the age of the borrower, who must pay the last installment before he reaches a certain number of years. It is important to know that the longer the period, the greater the amount of the overpayment, but the monthly payments themselves are smaller.
Interest scheme
You will have to pay money to use the loan. When concluding an agreement, bank employees must provide the borrower with a payment schedule. There are two ways to pay interest. The first of these is annuity payments. They are calculated according to a special formula. Thanks to this, the monthly payment has a fixed figure. Another type of payment of remuneration is the calculation of interest on the balance of the debt. The disadvantage of such a system is a large amount of initial contributions, which is unprofitable for long-term loans and large amounts of borrowing.
Where is the best place to get a mortgage?
Mortgage lending gives citizens the opportunity to purchase housing in the secondary and primary markets. At the stage of deciding which bank is better to take a mortgage, it makes sense to analyze the offers of construction companies and realtors, because sometimes you can buy a good small apartment in a developed area at the price of housing in a new building on the outskirts of the city. Do not forget that the borrower must have a source of regular income, otherwise the issue may be denied.
For the purchase of housing in the primary market
The purchase of apartments in new buildings at different stages of readiness is offered to customers by a number of organizations. When choosing, you need to understand that the cost of an apartment at the “pit” stage is cheaper than the price of a square in a house ready for occupancy. In order to make it easier to decide in which bank to take a mortgage, you can pay attention to the following suggestions:
- "New building with state support" from Binbank. You can take 300,000–20,000,000 rubles to residents of Moscow and the region. Rates are available and start from 9.50%. When using maternity capital, the minimum down payment will be 10%, in all other cases - 20%. The term of the mortgage is 3-30 years. Documents are reviewed within 1-3 working days.
- "Purchase of housing in the primary market" from VTB24. You can buy real estate under construction at a rate of 10.7%, and the loan amount is from 600,000 to 60,000,000 rubles. The maximum loan term is 30 years, and the down payment is only 10% of the value of the original home. Comprehensive insurance is a prerequisite.
- Uralsib "Mortgage lending for the purchase of housing under construction." It is proposed for a period of up to 25 years to take on the security of real estate from 300,000 to 50,000,000 rubles. The rate is from 10.4% with own participation from 10%.
For secondary housing
If there is no time to wait for a house to be built, but you really want to have real estate in a certain area, a mortgage on the secondary market will come to the rescue, with which you can buy not only apartments, but also ready-made houses. Here are some current offers on the credit market:
- Sberbank "Acquisition of finished housing". Up to 80% of the appraised value of the purchased housing is credited. A loan can be taken at a rate of 9.5% for up to 30 years. A prerequisite is the additional insurance of the purchased property. Sberbank offers a loan for all categories of the population.
- "A loan for the purchase of an apartment in the secondary market" from the Russian Agricultural Bank. The minimum down payment depends on the type of property and is 15-30%. The maximum amount is 3,000,000 rubles with a rate of 9.50% up to 30 years.
- Raiffeisenbank "Apartment on the secondary market". It is proposed to take a mortgage to persons with a good credit history up to 26,000,000 at a rate of 10.99%. The minimum down payment is 15% and the maximum loan term is 25 years.
Which bank is better to take a mortgage
When choosing where it is better to take a mortgage, it is important to pay attention to the offers of banking structures for certain categories of borrowers. By taking advantage of special offers, such as Novostroyka, a mortgage with state support from Gazprombank, you can save a lot. It is important to understand that every percentage that you can reduce the rate by can eventually turn into a large amount.
For a young family
The state comprehensively supports young families in their desire to acquire their own square meters, providing subsidies and offering favorable conditions in cooperation with banks. Below you can see the offers for this category of citizens:
With government support
Housing built with the help of government programs, as a rule, has consumer qualities, so its cost is affordable for many. It is being built with the help of the Agency for Housing Mortgage Lending (AHML), which is an intermediary between the needy and banks, making loans more affordable. You can take a look at the rating below:
For social categories of citizens
For certain categories of citizens, banking institutions offer relatively cheap mortgages - at reduced interest rates. This applies to public sector employees - doctors, teachers, young and low-income families, and the elderly. Young specialists and scientists can also take such a loan. There are special offers for them:
Military
There is a separate category of banks that provide loans for the purchase of real estate for military personnel. Lending is carried out thanks to a special savings account, where the state deducts a certain amount every month. Financial institutions are willing to lend to this category of citizens, since the state is the guarantor of the return. Here are some banking organizations and interest rates for which you can take a military mortgage:
Bank opening | |
Gazprombank | |
Svyazbank | |
Sberbank |
For payroll clients
Receiving wages and payments equivalent to it in a certain banking institution, the client has the right to count on preferential offers, which include mortgage lending. The table below shows some of the offers of banks for their regular customers:
Which banks offer the lowest interest
Compared with abroad, where you can get housing loans at a rate lower than 3%, then in Moscow, and throughout Russia, according to the statistics of 2016-2017. interest is not so profitable, although among the entire list you can find very interesting offers with a relatively low rate. However, in addition to this value, it should be taken into account whether the bank has additional commissions and payments. Below is the ranking of banks at the lowest nominal rate:
With a minimum down payment
When choosing from which bank it is easier to take a mortgage, it is important to pay attention to the down payment. The interest rate can directly depend on the amount of your own money, but, on the other hand, you can always find a bank with which you can become the owner of a home with a minimum amount on hand. Here is a list of banking organizations that issue mortgages with small own funds:
The most profitable mortgage loan in Moscow
Those wishing to purchase housing in the capital, including New Moscow, have plenty to choose from. They offer apartments in high-rise buildings, penthouses, apartments. Affordable mortgages in Moscow banks are not a myth, but quite a reality. The main thing is to take the time to study offers from banks to calculate upcoming payments on a loan calculator and choose the appropriate option. Here are some worthy offers to consider:
- "The mortgage is calling!" from Unicredit Bank helps to buy an apartment in the secondary real estate market at a rate of 10.20% per annum with an initial payment of 15%. Suitable for everyone who wants to improve their living conditions. Pros - you can get a loan without additional fees. Minus - a mandatory appraisal of the apartment.
- Promsvyazbank Novostroyka. Up to 30,000,000 rubles can be taken at a rate of 10.9% per annum. The loan term reaches 25 years with a down payment of 10%. Mortgage is suitable for everyone who wants to build a new apartment, including for owners of maternity capital. The main advantage is the fixed rate for the period of the loan.
- Tinkoff. The online bank offers to take loans not directly, but from the Housing Finance Bank, AK BARS Bank, Uralsib and other partner banks. Offer rates start at 8.75%. To obtain a loan, you must submit an application on the website on the Internet, after which the client will be selected the optimal product, and the maximum amount is limited by the solvency of the borrower. The loan is suitable for all categories of the population. Of the benefits - a personal manager who cooperates with the client during the entire time of the mortgage.
- Rosgosstrakh "Own apartment +". At 11.75% in a banking organization, you can take a loan from 1,000,000 to 20,000,000 rubles. The loan term is up to 20 years. Initial payment from 10%. Of the obvious advantages, it is worth highlighting the possibility of obtaining a decision on two documents (passport and SNILS).
- Mortgage from Gazprombank. At a rate of 10% per annum, they offer to purchase an apartment, apartment, townhouse in the primary market. The loan is issued for a period of up to 30 years with an initial payment of 10%. The advantage of issuing a loan is that the application is processed in one day. Cons - an increased rate for non-salary clients and the need to provide a certificate.
Getting a loan on favorable terms is the desire of every applicant. Which bank has the best mortgage in 2019? To get an answer, it is not necessary to contact a credit broker or look for information yourself, just read our article.
How to get a mortgage at a minimum interest
The lowest mortgage rate is offered on the most secure transactions. Initially, lenders analyze the potential borrower and his financial capabilities, and then the object that is planned to be purchased. After all, it is real estate that will guarantee the return of the funds received.
Interest rate discounts offer:
- when applying for life insurance of the title co-borrower;
- when personal savings account for more than 30-50% of the property value;
- upon payment of a special commission;
- those who are ready to conclude a mortgage agreement for a minimum period (up to 5-10 years), but then the payments will be very large;
- reliable applicants with a stable official income;
- payroll participants.
The best conditions for mortgages are more often received by those who are ready to provide at least 50% of the cost of housing at their own expense. The minimum rates are available to buyers of real estate in new buildings sold by the bank's partners.
There is a chance to save money by participating in preferential programs implemented with state support. Such projects are available only to targeted recipients, for example, public sector employees, families with children.
Where is the best place to get a mortgage?
When determining which bank is better to take a mortgage, many factors should be taken into account.
Payroll customers, as those whose income is easy to trace and whose employers the lender has checked and constantly monitors, are credited on more favorable terms.
The best mortgage isn't always the lowest rate. You also need to clarify:
- whether the bank works with the selected type of real estate. Problems are possible with architectural monuments, with apartments, with rooms or shares in apartments, with the purchase of residential buildings, with the location of the object and the availability of infrastructure in it;
- what related payments are possible when servicing the contract, for example, commissions for making a payment, for example, if there is no branch of the creditor in the city of residence, for early repayment;
- what types of insurance are mandatory in addition to real estate insurance. Some banks require you to enter into title insurance contracts. Such a policy will cost 0.2-3% of the value of the property;
- whether you need to show income, and how much more the mortgage will cost if you do not confirm it, and so on.
Which bank has the best mortgage
The banks themselves will help determine where it is better to get a mortgage. It is necessary to choose 2-3 most interesting offers and apply to creditors implementing such programs. Based on the analysis of applications, the bank will be able to say exactly how much a mortgage will cost for a specific application.
Preferential mortgage lending programs
The most profitable mortgage offers are offered under special, preferential programs. Such projects are available to public sector employees, families with children. Some programs are implemented only in certain regions.
Level bet 8,5% given for the term of the contract up to 7 years. 7-12 years old – 8% , and for a longer period ( up to 30 years) – 10,5% .
The interest rate is determined individually. It depends on factors such as:
- the amount of the initial payment;
- the consent of the borrower to insure his life, health;
- the presence of the status of "salary client of Sberbank";
- loan terms;
- availability of documents confirming income;
- the liquidity of the property that is provided as collateral.
- age limit - 75 years old, minimum - 21 years old;
- income verification is not required;
- low percentage.
- in fact, the minimum rates are available only to those who can pay most of the cost of the object with personal funds, who are able to make large monthly payments, since the shorter the loan term, the more you need to pay, although the overpayment will ultimately be less;
- if you apply for 2 documents, then the initial payment should be at least 50% ;
- The offer is relevant only for the purchase of apartments in accredited properties.
VTB offer
VTB is the best mortgage bank for individuals who are looking for offers with a low down payment and a thirty-year loan period.
Bankers provide loans to the following persons:
- citizenship - any;
- registration - no restrictions;
- in active labor relations.
Advantages:
- 30 years;
- favorable credit rate - 10,1% ;
- a discount in the price of lending is available to those who belong to the “People of Action”, that is, those working in the public sector;
- a small discount is given when buying a home more 65 sq.m and participants of salary projects;
- the conditions are relevant both for new buildings and for housing on the secondary market;
- 10% ;
- minimum loan - 600 thousand, maximum - 60 million rubles.
Flaws:
- it is obligatory to purchase comprehensive insurance, including insurance of the title of rights and life and health;
- if a citizen does not have a VTB salary card, then the base rate is added 0,5% .
The cheapest mortgage
The most budget option is offered by Sberbank. Even taking into account the fact that outside the action, a new building will cost him 10.5% per annum against 10.1% in VTB, due to the requirement to conclude a comprehensive insurance contract, maintenance may become somewhat more expensive.
The rate on finished housing at Sberbank is also higher - 10.2%. But service, nevertheless, will be cheaper due to the absence of the requirement for registration of title insurance.
The best banks for mortgages
Loan aggregators, acting as intermediaries between clients and banks, also help to find where the most profitable mortgage is. These include Tinkoff Bank and AHML. The latter organization works through its regional partners and quite actively promotes all socially significant projects implemented with the support of government agencies.
Mortgage in Tinkoff Bank
Mortgage with Tinkoff Bank is the price of the agreement from 9,7% and until 25 years.
- only a passport and a certificate of income are required from the borrower (in the form of Tinkoff or 2-NDFL);
- the object of the transaction may be the last room, and a town house, and a residential building or cottage;
- some bank-friendly developers offer discounts to bank customers;
- Tinkoff-Bank cooperates with 9 banks;
- lending to individual entrepreneurs;
- the share of approvals of applications is over 90%.
Tinkoff Bank works with state support programs for families: with mother capital and with family mortgages at 6%.
- all work is carried out remotely, which means a delay in response to customer requests;
- the final requirements for the borrower and the acquired property, including the minimum share of personal savings, can be clarified only after checking the questionnaire and obtaining the consent of the partner bank for lending;
- it is possible to assess the real terms of the transaction only at the stage of signing a mortgage agreement, when some expenses have already been made (for an assessment, for certificates, and so on).
Mortgage programs from AHML
A standard offer from AHML is a rate from 10,3% at the term of the contract 3-30 years old. The object of lending is housing purchased both in the secondary and primary markets.
- sum - 30 000 000 rubles;
- minimum deposit from 15% ;
- "Easy mortgage" is issued according to 2 documents, without confirmation of earnings, but the rate increases;
- mother's capital will be taken into account as a down payment, but then there should be a minimum of personal savings 10% ;
- it is possible to link the mortgage price to changes in the key rate;
- Required work experience - from 3 months with the last employer.
The agency cooperates with the Ministry of Defense of the Russian Federation on "Military Mortgage" and with regional authorities, offering various local preferential mortgage lending projects, as well as with family mortgages with a grace period of up to 8 years and a rate of 6%.
- the minimum amount 500 000 rubles;
- age - 21-65 years;
- it is important for businessmen to show at least 2 years of break-even activity.
Eastern Bank
Mortgage from the "East Bank" is issued at a rate of 10,5% per annum. Maximum amount - 30 000 00 0 rubles for lending in Moscow, St. Petersburg and their regions, 15 000 000 rubles when applying in other regions. Minimum loan amount – 500 000 rubles.
- personal savings from 15% ;
- experience - from 6 months;
- crediting under 2 documents is allowed.
- businessmen are required to show break-even activity for a period of at least 24 months;
- age of borrowers 21-65 years;
- for the purchase of apartments is required from 30% own funds;
- refusal of personal insurance leads to an increase in the rate on 0,7% ;
- the bank operates through JSC DOM (AHML).
"Bank "Saint-Petersburg"
In Bank Saint Petersburg, a mortgage loan costs from 10,25% when buying a home in a new building (program "Mortgage from 10.25%") and from 10.5% when working in the secondary real estate market. Contracts are concluded for 1-25 years old for the amount 500,000 - 10,000,000 rubles.
- payments - annuity or differentiated;
- a foreign citizen can act as a co-borrower;
- age - 18-70 years(65 years old for women);
- total work experience - 1 year of which 4 months in last place;
- businessmen and self-employed show at least 1 year of break-even activity;
- there is also a mortgage provided only by passport;
- You can purchase all types of housing, as well as parking spaces.
- own savings - from 20% , if the application is made only on the basis of a passport, then they independently pay a minimum 30% ;
- typical interest rate for a new building - 11% . Reduced rate in 10,25% applies only to objects from the groups of companies LSR, CDS, Etalon, Polis Group, Leader Group, LLC Petra-8, Glavstroy-SPb.
UBRD
UBRD provides mortgages for ready-made housing at a rate of 10,15% per annum. Credit limit - 300,000 - 30,000,000 rubles.
- required experience - from 3 months in the last place with a total experience of 1 year;
- maximum age - 70 years old;
- term of the mortgage 5, 10, 15, 20 or 25 years;
- employees of UBRD partner enterprises will receive a discount in 0,25% from the base rate.
Available up to 2 active loans. Current debt is invalid.
- borrowers must pay with their own money at least 20 %;
- minimum age - 23 years old.
Mortgage loan from Rosselkhozbank
Profitable 10% per annum, attract a lot of Russians who want to get a loan to purchase their own apartment. In Rosselkhozbank, a loan at the above percentage can be taken by applicants:
- aged from 21 to 65 years old;
- with a common labor over a year of experience in the last five years;
- working at the last place of work for more than six months;
- having permanent or temporary registration in the Russian Federation.
Citizens who are owners of Rosselkhozbank payroll cards must provide confirmation of six months of work experience for the last five years. And with the last employer, you only need to work for three months.
The bank issues a loan under the following conditions:
- sum - 100,000 - 60,000,000 rubles;
- maximum loan term 30 years;
- minimum initial deposit 15% .
- settlement is possible both by annuity and differentiated payments;
- The bank lends to owners of household plots.
- the maximum loan amount is provided only when buying an apartment, including under DDU, or when purchasing an apartment. No more than 2 0 000 000 rubles;
- when purchasing apartments, you will have to pay at least 30% their cost with own funds;
- 10% per annum under the agreement will be received by those who invest at least 3 000 000 rubles of personal savings;
- if the borrower/co-borrower refuses to insure their life, health, the interest rate will increase by 1%.
Offer "Promsvyazbank" "New buildings in the mortgage from 9.8%"
Mortgage program "New building in a mortgage from 9,8% ” from Promsvyazbank is beneficial for applicants who have practically no money of their own. After all, bankers agree to lend to citizens if they contribute 10% of the price of the apartment as an advance payment.
Promsvyazbank's offer to purchase a home with a mortgage contains the following items:
- bid from 9.8% per annum;
- buying an apartment from a developer accredited by the bank;
- maximum loan amount 20 million, and in Moscow, St. Petersburg and the Moscow region - 30 million rubles;
- maximum mortgage maturity 25 years.
- if you purchase a new building from a developer-partner of the Gold PSB class, the price of the contract will be reduced to 9,7% ;
- for holders of salary cards, as well as those who work in the defense industry, who use the Orange Premium Club package, the base interest rate is equal to 9,5% ;
- Promsvyazbank partners give discounts on some objects.
- 9,8% is set for a mortgage if housing is bought from partners of the Platinum PSB segment;
- preferential rates apply subject to payment of at least 15% the value of real estate at the expense of their own money and when applying for life insurance.
Mortgage for a new building from Gazprombank
"Gazprombank" offers the program "Mortgage from the largest developers 10,5% ».
- down payment from 10% ;
- term of the contract 1-30 years;
- maximum amount - 60 000 000 rubles when acquiring real estate in Moscow or St. Petersburg and 45 000 000 rubles, if it is located in other cities;
- age of applicants 20-65 years.
Mother capital is accepted as a down payment, but then personal savings should be at least 5% from the value of the purchased property.
- minimum loan amount 500 000 rubles;
- the base rate is set only when buying a home from partners of Gazprombank;
- if apartments are bought, then personal savings pay at least 20% their cost, and the base rate will be no less than 10,8% ;
- bad credit history is not allowed.
Mortgage program from Energotransbank
Energotrasbank gives mortgages for the purchase of both ready-made and housing under construction at a base rate of 9,5 %.
- loan term up to 25 years;
- personal investment from 10% ;
- required experience - from 6 months last;
- discounts from the base rate in the amount of 0,5% will be received by participants in salary projects, public sector employees and those who provided a certificate in the form 2-NDFL;
- maximum age of the borrower - 70 years.
- minimum contract amount 500 000 rubles;
- the bank lends to citizens if they have already turned 23 of the year;
- it is important to live and permanently register in the region where Energotransbank operates;
- only purchases of apartments, townhouses and cottages are credited.
Offer of Raiffeisenbank
Together with Raiffeisenbank, they acquire both new housing and ready-made ones. The cost of lending - from 9,99% .
- the largest amount 26 000 000 rubles;
- term - 1-30 years;
- when calculating solvency, the income of common-law spouses is also taken into account;
- personal funds - not less than 15% ;
- age of applicants 21-65 years;
- minimum work experience - 6 months at the last place of employment with a total work experience of 12 months. If a person has been working for more than 2 years, then it is enough for the last employer to be registered for 3 months.
Raiffeisenbank lends to foreign citizens. The main thing is that their place of work is actually in Russia.
- minimum loan limit 800 000 rubles for real estate in the capital or in the capital region and 500 000 rubles for transactions made in other regions of the country;
- if you do not draw up a comprehensive insurance contract, then the maximum age of applicants is limited 60 years;
- only approved 1 existing mortgage loan.
"Alfa Bank"
A mortgage from Alfa-Bank is a rate of at least 10,19% . The program is designed for the acquisition of housing under construction or finished.
- private savings - from 15% ;
- deadline - up to 30 years;
- maximum amount - 50 000 000 rubles;
- payroll clients of Alfa-Bank will receive a discount in 0,3% to the base rate of interest;
- possible citizenship of Russia, the Republic of Belarus, Ukraine;
- age - 21-70 years.
- minimum loan amount 600 000 rubles;
- rate rises to 0,5% if personal funds are less 20% , if a residential building is bought, if income is not confirmed;
- the cost of a loan in case of refusal of life insurance increases by 1% ;
- added to base rate 0,25% if you need money for a townhouse.
Mortgage loan for the purchase of housing from the "Bank of Housing Finance"
Flexible mortgage terms are offered by the Housing Finance Bank (BZHF). Interest rate for the purchase of real estate - 10,5% .
- minimum down payment 20% ;
- minimum loan term 1 year, maximum - 30 years;
- There is a possibility of lending 2 documents;
- loan amount from 450 thousand to 20 million rubles.
- the loan is provided exclusively to citizens of the Russian Federation;
- the apartment must be located in the settlement where the BZHF department operates;
- the building in which the object is located must have at least three floors.
Program of Uralsib Bank "Housing under construction"
In Uralsib Bank, a loan can be obtained under the Housing under Construction program under 10.5% per annum.
- age - 18-70 years;
- last place experience 3 month;
- the bank lends to individual entrepreneurs and businessmen;
- amount of credit - from 300 thousand to 50 million rubles;
- loan terms - from 3 to 30 years;
- advance payment - 15%.
- it is important that the employer exists for at least 1 of the year;
- if during the year more 3 once the settlement terms under the agreement were violated, Uralsib may demand termination of the agreement.
The most favorable mortgage for secondary housing
The best mortgage offers of 2019 for the purchase of finished housing are products from:
- "Energotransbank" with a rate of 9.5%;
- Tinkoff - 9.7%;
- Raiffeisenbank - 9.99%.
The most profitable mortgage for a new building
The most profitable mortgage programs for a new building are offered under:
- 8.5% - Sberbank;
- 9.5% - Energotransbank;
- 9.7% - Tinkoff.
The cheapest mortgage in Moscow
The best mortgage in Moscow is offered by Sberbank. This lender is ready to lend at 8.5% per annum when buying an apartment in a house under construction.
New buildings with cheap mortgages in Moscow
A good discount for mortgage borrowers is given by partner developers:
- "Promsvyazbank";
- "Tinkoff";
- Bank Saint Petersburg.
The most profitable mortgage in St. Petersburg
The most profitable mortgages in St. Petersburg are offered by Sberbank when buying housing in an accredited new building and Energotransbank when buying ready-made housing.
Getting a loan on favorable terms is the desire of every applicant. Which bank has the best mortgage in 2019? To get an answer, it is not necessary to contact a credit broker or look for information yourself, just read our article.
How to get a mortgage at a minimum interest
The lowest mortgage rate is offered on the most secure transactions. Initially, lenders analyze the potential borrower and his financial capabilities, and then the object that is planned to be purchased. After all, it is real estate that will guarantee the return of the funds received.
Interest rate discounts offer:
- when applying for life insurance of the title co-borrower;
- when personal savings account for more than 30-50% of the property value;
- upon payment of a special commission;
- those who are ready to conclude a mortgage agreement for a minimum period (up to 5-10 years), but then the payments will be very large;
- reliable applicants with a stable official income;
- payroll participants.
The best conditions for mortgages are more often received by those who are ready to provide at least 50% of the cost of housing at their own expense. The minimum rates are available to buyers of real estate in new buildings sold by the bank's partners.
There is a chance to save money by participating in preferential programs implemented with state support. Such projects are available only to targeted recipients, for example, public sector employees, families with children.
Where is the best place to get a mortgage?
When determining which bank is better to take a mortgage, many factors should be taken into account.
Payroll customers, as those whose income is easy to trace and whose employers the lender has checked and constantly monitors, are credited on more favorable terms.
The best mortgage isn't always the lowest rate. You also need to clarify:
- whether the bank works with the selected type of real estate. Problems are possible with architectural monuments, with apartments, with rooms or shares in apartments, with the purchase of residential buildings, with the location of the object and the availability of infrastructure in it;
- what related payments are possible when servicing the contract, for example, commissions for making a payment, for example, if there is no branch of the creditor in the city of residence, for early repayment;
- what types of insurance are mandatory in addition to real estate insurance. Some banks require you to enter into title insurance contracts. Such a policy will cost 0.2-3% of the value of the property;
- whether you need to show income, and how much more the mortgage will cost if you do not confirm it, and so on.
Which bank has the best mortgage
The banks themselves will help determine where it is better to get a mortgage. It is necessary to choose 2-3 most interesting offers and apply to creditors implementing such programs. Based on the analysis of applications, the bank will be able to say exactly how much a mortgage will cost for a specific application.
Preferential mortgage lending programs
The most profitable mortgage offers are offered under special, preferential programs. Such projects are available to public sector employees, families with children. Some programs are implemented only in certain regions.
Level bet 8,5% given for the term of the contract up to 7 years. 7-12 years old – 8% , and for a longer period ( up to 30 years) – 10,5% .
The interest rate is determined individually. It depends on factors such as:
- the amount of the initial payment;
- the consent of the borrower to insure his life, health;
- the presence of the status of "salary client of Sberbank";
- loan terms;
- availability of documents confirming income;
- the liquidity of the property that is provided as collateral.
- age limit - 75 years old, minimum - 21 years old;
- income verification is not required;
- low percentage.
- in fact, the minimum rates are available only to those who can pay most of the cost of the object with personal funds, who are able to make large monthly payments, since the shorter the loan term, the more you need to pay, although the overpayment will ultimately be less;
- if you apply for 2 documents, then the initial payment should be at least 50% ;
- The offer is relevant only for the purchase of apartments in accredited properties.
VTB offer
VTB is the best mortgage bank for individuals who are looking for offers with a low down payment and a thirty-year loan period.
Bankers provide loans to the following persons:
- citizenship - any;
- registration - no restrictions;
- in active labor relations.
Advantages:
- 30 years;
- favorable credit rate - 10,1% ;
- a discount in the price of lending is available to those who belong to the “People of Action”, that is, those working in the public sector;
- a small discount is given when buying a home more 65 sq.m and participants of salary projects;
- the conditions are relevant both for new buildings and for housing on the secondary market;
- 10% ;
- minimum loan - 600 thousand, maximum - 60 million rubles.
Flaws:
- it is obligatory to purchase comprehensive insurance, including insurance of the title of rights and life and health;
- if a citizen does not have a VTB salary card, then the base rate is added 0,5% .
The cheapest mortgage
The most budget option is offered by Sberbank. Even taking into account the fact that outside the action, a new building will cost him 10.5% per annum against 10.1% in VTB, due to the requirement to conclude a comprehensive insurance contract, maintenance may become somewhat more expensive.
The rate on finished housing at Sberbank is also higher - 10.2%. But service, nevertheless, will be cheaper due to the absence of the requirement for registration of title insurance.
The best banks for mortgages
Loan aggregators, acting as intermediaries between clients and banks, also help to find where the most profitable mortgage is. These include Tinkoff Bank and AHML. The latter organization works through its regional partners and quite actively promotes all socially significant projects implemented with the support of government agencies.
Mortgage in Tinkoff Bank
Mortgage with Tinkoff Bank is the price of the agreement from 9,7% and until 25 years.
- only a passport and a certificate of income are required from the borrower (in the form of Tinkoff or 2-NDFL);
- the object of the transaction may be the last room, and a town house, and a residential building or cottage;
- some bank-friendly developers offer discounts to bank customers;
- Tinkoff-Bank cooperates with 9 banks;
- lending to individual entrepreneurs;
- the share of approvals of applications is over 90%.
Tinkoff Bank works with state support programs for families: with mother capital and with family mortgages at 6%.
- all work is carried out remotely, which means a delay in response to customer requests;
- the final requirements for the borrower and the acquired property, including the minimum share of personal savings, can be clarified only after checking the questionnaire and obtaining the consent of the partner bank for lending;
- it is possible to assess the real terms of the transaction only at the stage of signing a mortgage agreement, when some expenses have already been made (for an assessment, for certificates, and so on).
Mortgage programs from AHML
A standard offer from AHML is a rate from 10,3% at the term of the contract 3-30 years old. The object of lending is housing purchased both in the secondary and primary markets.
- sum - 30 000 000 rubles;
- minimum deposit from 15% ;
- "Easy mortgage" is issued according to 2 documents, without confirmation of earnings, but the rate increases;
- mother's capital will be taken into account as a down payment, but then there should be a minimum of personal savings 10% ;
- it is possible to link the mortgage price to changes in the key rate;
- Required work experience - from 3 months with the last employer.
The agency cooperates with the Ministry of Defense of the Russian Federation on "Military Mortgage" and with regional authorities, offering various local preferential mortgage lending projects, as well as with family mortgages with a grace period of up to 8 years and a rate of 6%.
- the minimum amount 500 000 rubles;
- age - 21-65 years;
- it is important for businessmen to show at least 2 years of break-even activity.
Eastern Bank
Mortgage from the "East Bank" is issued at a rate of 10,5% per annum. Maximum amount - 30 000 00 0 rubles for lending in Moscow, St. Petersburg and their regions, 15 000 000 rubles when applying in other regions. Minimum loan amount – 500 000 rubles.
- personal savings from 15% ;
- experience - from 6 months;
- crediting under 2 documents is allowed.
- businessmen are required to show break-even activity for a period of at least 24 months;
- age of borrowers 21-65 years;
- for the purchase of apartments is required from 30% own funds;
- refusal of personal insurance leads to an increase in the rate on 0,7% ;
- the bank operates through JSC DOM (AHML).
"Bank "Saint-Petersburg"
In Bank Saint Petersburg, a mortgage loan costs from 10,25% when buying a home in a new building (program "Mortgage from 10.25%") and from 10.5% when working in the secondary real estate market. Contracts are concluded for 1-25 years old for the amount 500,000 - 10,000,000 rubles.
- payments - annuity or differentiated;
- a foreign citizen can act as a co-borrower;
- age - 18-70 years(65 years old for women);
- total work experience - 1 year of which 4 months in last place;
- businessmen and self-employed show at least 1 year of break-even activity;
- there is also a mortgage provided only by passport;
- You can purchase all types of housing, as well as parking spaces.
- own savings - from 20% , if the application is made only on the basis of a passport, then they independently pay a minimum 30% ;
- typical interest rate for a new building - 11% . Reduced rate in 10,25% applies only to objects from the groups of companies LSR, CDS, Etalon, Polis Group, Leader Group, LLC Petra-8, Glavstroy-SPb.
UBRD
UBRD provides mortgages for ready-made housing at a rate of 10,15% per annum. Credit limit - 300,000 - 30,000,000 rubles.
- required experience - from 3 months in the last place with a total experience of 1 year;
- maximum age - 70 years old;
- term of the mortgage 5, 10, 15, 20 or 25 years;
- employees of UBRD partner enterprises will receive a discount in 0,25% from the base rate.
Available up to 2 active loans. Current debt is invalid.
- borrowers must pay with their own money at least 20 %;
- minimum age - 23 years old.
Mortgage loan from Rosselkhozbank
Profitable 10% per annum, attract a lot of Russians who want to get a loan to purchase their own apartment. In Rosselkhozbank, a loan at the above percentage can be taken by applicants:
- aged from 21 to 65 years old;
- with a common labor over a year of experience in the last five years;
- working at the last place of work for more than six months;
- having permanent or temporary registration in the Russian Federation.
Citizens who are owners of Rosselkhozbank payroll cards must provide confirmation of six months of work experience for the last five years. And with the last employer, you only need to work for three months.
The bank issues a loan under the following conditions:
- sum - 100,000 - 60,000,000 rubles;
- maximum loan term 30 years;
- minimum initial deposit 15% .
- settlement is possible both by annuity and differentiated payments;
- The bank lends to owners of household plots.
- the maximum loan amount is provided only when buying an apartment, including under DDU, or when purchasing an apartment. No more than 2 0 000 000 rubles;
- when purchasing apartments, you will have to pay at least 30% their cost with own funds;
- 10% per annum under the agreement will be received by those who invest at least 3 000 000 rubles of personal savings;
- if the borrower/co-borrower refuses to insure their life, health, the interest rate will increase by 1%.
Offer "Promsvyazbank" "New buildings in the mortgage from 9.8%"
Mortgage program "New building in a mortgage from 9,8% ” from Promsvyazbank is beneficial for applicants who have practically no money of their own. After all, bankers agree to lend to citizens if they contribute 10% of the price of the apartment as an advance payment.
Promsvyazbank's offer to purchase a home with a mortgage contains the following items:
- bid from 9.8% per annum;
- buying an apartment from a developer accredited by the bank;
- maximum loan amount 20 million, and in Moscow, St. Petersburg and the Moscow region - 30 million rubles;
- maximum mortgage maturity 25 years.
- if you purchase a new building from a developer-partner of the Gold PSB class, the price of the contract will be reduced to 9,7% ;
- for holders of salary cards, as well as those who work in the defense industry, who use the Orange Premium Club package, the base interest rate is equal to 9,5% ;
- Promsvyazbank partners give discounts on some objects.
- 9,8% is set for a mortgage if housing is bought from partners of the Platinum PSB segment;
- preferential rates apply subject to payment of at least 15% the value of real estate at the expense of their own money and when applying for life insurance.
Mortgage for a new building from Gazprombank
"Gazprombank" offers the program "Mortgage from the largest developers 10,5% ».
- down payment from 10% ;
- term of the contract 1-30 years;
- maximum amount - 60 000 000 rubles when acquiring real estate in Moscow or St. Petersburg and 45 000 000 rubles, if it is located in other cities;
- age of applicants 20-65 years.
Mother capital is accepted as a down payment, but then personal savings should be at least 5% from the value of the purchased property.
- minimum loan amount 500 000 rubles;
- the base rate is set only when buying a home from partners of Gazprombank;
- if apartments are bought, then personal savings pay at least 20% their cost, and the base rate will be no less than 10,8% ;
- bad credit history is not allowed.
Mortgage program from Energotransbank
Energotrasbank gives mortgages for the purchase of both ready-made and housing under construction at a base rate of 9,5 %.
- loan term up to 25 years;
- personal investment from 10% ;
- required experience - from 6 months last;
- discounts from the base rate in the amount of 0,5% will be received by participants in salary projects, public sector employees and those who provided a certificate in the form 2-NDFL;
- maximum age of the borrower - 70 years.
- minimum contract amount 500 000 rubles;
- the bank lends to citizens if they have already turned 23 of the year;
- it is important to live and permanently register in the region where Energotransbank operates;
- only purchases of apartments, townhouses and cottages are credited.
Offer of Raiffeisenbank
Together with Raiffeisenbank, they acquire both new housing and ready-made ones. The cost of lending - from 9,99% .
- the largest amount 26 000 000 rubles;
- term - 1-30 years;
- when calculating solvency, the income of common-law spouses is also taken into account;
- personal funds - not less than 15% ;
- age of applicants 21-65 years;
- minimum work experience - 6 months at the last place of employment with a total work experience of 12 months. If a person has been working for more than 2 years, then it is enough for the last employer to be registered for 3 months.
Raiffeisenbank lends to foreign citizens. The main thing is that their place of work is actually in Russia.
- minimum loan limit 800 000 rubles for real estate in the capital or in the capital region and 500 000 rubles for transactions made in other regions of the country;
- if you do not draw up a comprehensive insurance contract, then the maximum age of applicants is limited 60 years;
- only approved 1 existing mortgage loan.
"Alfa Bank"
A mortgage from Alfa-Bank is a rate of at least 10,19% . The program is designed for the acquisition of housing under construction or finished.
- private savings - from 15% ;
- deadline - up to 30 years;
- maximum amount - 50 000 000 rubles;
- payroll clients of Alfa-Bank will receive a discount in 0,3% to the base rate of interest;
- possible citizenship of Russia, the Republic of Belarus, Ukraine;
- age - 21-70 years.
- minimum loan amount 600 000 rubles;
- rate rises to 0,5% if personal funds are less 20% , if a residential building is bought, if income is not confirmed;
- the cost of a loan in case of refusal of life insurance increases by 1% ;
- added to base rate 0,25% if you need money for a townhouse.
Mortgage loan for the purchase of housing from the "Bank of Housing Finance"
Flexible mortgage terms are offered by the Housing Finance Bank (BZHF). Interest rate for the purchase of real estate - 10,5% .
- minimum down payment 20% ;
- minimum loan term 1 year, maximum - 30 years;
- There is a possibility of lending 2 documents;
- loan amount from 450 thousand to 20 million rubles.
- the loan is provided exclusively to citizens of the Russian Federation;
- the apartment must be located in the settlement where the BZHF department operates;
- the building in which the object is located must have at least three floors.
Program of Uralsib Bank "Housing under construction"
In Uralsib Bank, a loan can be obtained under the Housing under Construction program under 10.5% per annum.
- age - 18-70 years;
- last place experience 3 month;
- the bank lends to individual entrepreneurs and businessmen;
- amount of credit - from 300 thousand to 50 million rubles;
- loan terms - from 3 to 30 years;
- advance payment - 15%.
- it is important that the employer exists for at least 1 of the year;
- if during the year more 3 once the settlement terms under the agreement were violated, Uralsib may demand termination of the agreement.
The most favorable mortgage for secondary housing
The best mortgage offers of 2019 for the purchase of finished housing are products from:
- "Energotransbank" with a rate of 9.5%;
- Tinkoff - 9.7%;
- Raiffeisenbank - 9.99%.
The most profitable mortgage for a new building
The most profitable mortgage programs for a new building are offered under:
- 8.5% - Sberbank;
- 9.5% - Energotransbank;
- 9.7% - Tinkoff.
The cheapest mortgage in Moscow
The best mortgage in Moscow is offered by Sberbank. This lender is ready to lend at 8.5% per annum when buying an apartment in a house under construction.
New buildings with cheap mortgages in Moscow
A good discount for mortgage borrowers is given by partner developers:
- "Promsvyazbank";
- "Tinkoff";
- Bank Saint Petersburg.
The most profitable mortgage in St. Petersburg
The most profitable mortgages in St. Petersburg are offered by Sberbank when buying housing in an accredited new building and Energotransbank when buying ready-made housing.
- Use of tolling raw materials for the production of finished products: accounting, consumption rates, write-off Reflection of services for the processing of materials
- Terms of payment of insurance premiums and submission of reports under the new rules
- Memo on admission to extrabudgetary (paid) places How to pay for tuition
- Online courses for accountants, distance accounting courses online, online training for accountants Accounting for cash transactions and transactions with accountable persons