Mortgage best offers of banks yabb cgi. Which bank is better to take a mortgage: interest rates
Mortgage rate varies in various banks... Its value depends on the period for which you take out a loan, on the availability of collateral, insurance, commission payments.
Many banks hold temporary promotions to reduce the cost of a home loan.
Pledges and sureties
When deciding whether to take out a mortgage, please note that in the context of market volatility, lending institutions impose strict requirements for loan collateral.
Until the moment of registration in the Russian register of ownership of the acquired real estate, most likely, it will be necessary to issue not only a surety of solvent individuals, but also an additional liquid collateral - an already existing car or apartment.
"Anti-crisis" mortgage products
Credit institutions are interested in attracting wealthy clients. Banks that give mortgages are actively offering new products for individuals, which are in demand during the crisis, but are quite expensive.
For example, FC "Otkrytie" offers a service that was previously issued in other commercial banks. Commitments received in foreign currency, are translated, at the request of customers, into rubles. The minimum interest rate for "on-lending" is 13% per annum. It grows if certain conditions of complex service in the bank are not fulfilled by the following values:
- + 0.25% - for borrowers who are not payroll clients of the bank;
- + 1% - for business owners;
- + 0.5% - in case of refusal to pay a lump sum remuneration for the "reduction" of the rate;
- + 4% - if life and employment insurance contracts are not concluded.
Also FC "Otkritie" offers a loan product "Ipoteka Plus": money is issued on the security of existing real estate for the purpose of its overhaul... The provision of documents confirming the intended use is not required. Interest rate - 16.25% per annum. The maximum funding period is 30 years.
Loans for the purchase of housing with state support
The most significant parameter when a mortgage is issued is the rate. A calculator for calculating the amount of overpayments is on the official website of each bank.
The cost of servicing a mortgage is reduced when a loan is received under the program of state subsidies for loans for the purchase of unfinished apartments in the primary housing market.
Participating banks are allocated funds from The Pension Fund, due to which they get the opportunity to reduce rates on mortgage loans for the purchase of apartments in new buildings. Currently, Sberbank of Russia, Gazprombank, VTB 24, Uralsib, Rosselkhozbank, Promsvyazbank and many other lending organizations have joined the program.
A mortgage with state support can be obtained for up to 8 million rubles. in the Moscow and St. Petersburg regions, in other regions - no more than 3 million rubles. The longest loan term under the "New building" program, according to the rules, is 30 years. Your contribution must be at least 20% of the purchase price.
It is possible to buy square meters using loans received under the subsidy program only from developers approved by banks.
When applying for a loan with state support, an appropriate calculation of the mortgage is carried out. Sberbank sets a fixed interest rate of 12% per annum, before and after registration in the Russian register of ownership of the acquired real estate. In this case, it is mandatory to conclude a life insurance contract for the borrower. For violation of the terms of the annual renewal of the policy, the rate rises to 13% per annum.
In PJSC "VTB 24" you can also get a loan from state support at 12% per annum, with the obligatory execution of a comprehensive insurance contract.
In Gazprombank the mortgage interest rate is from 11.25% per annum.
In PJSC "Bank VTB" the loan "Novostroyka" is issued with an initial payment of 15% of the amount at 11.75% per annum. The decision to grant a loan is made within 24 hours.
In FC "Otkrytie" the rate on mortgages with state support is from 11.45% per annum, mandatory payments (premiums) in the amount do not exceed 2.5% per annum. A large number of developer companies are accredited with the bank.
Loans under the "Young Family" program
Another way to keep the mortgage rate lower is to apply for a loan through the Young Family subsidy program.
If the age of both husband and wife does not exceed 35 years old, and the couple, according to the law, needs better conditions residence, it is advisable to contact the district administration. When buying an economy class house or apartment, the state will pay up to 30% of the housing price.
For a young family it is usually cheaper. Fewer multipliers are applied to it.
In the mortgage "Young Family" varies depending on the loan term and the amount of the down payment.
Interest rates on the mortgage "Young Family" in PJSC "Sberbank of Russia" are presented in the table.
Many commercial banks they also have the right to accept funds under a housing certificate as repayment on a loan, but do not provide interest rate benefits.
Nevertheless, a mortgage for a young family is now also a means of acquiring a house or apartment at a significantly lower cost.
How to determine future mortgage costs
When comparing lending terms in different banks, be sure to ask the manager to prepare a preliminary calculation of the mortgage. Sberbank, VTB-24, Otkritie FC and other banks on their official websites show only an approximate amount of future loan servicing costs.
Check with the responsible person in charge of advising you:
1. Is an appraisal of the acquired property required? If so, at whose expense is it carried out?
2. How much will the expenses for notarization deals?
3. Which party to the transaction pays for state fee in the registration chamber?
4. Will the mortgage rate be higher until the registration of the encumbrance of the pledge in favor of the bank?
5. What are the additional payments under the loan agreement, except for the interest rate?
6. Is it necessary to insure the collateral, as well as the life and health of the borrower? How much will the policy cost?
7. What will be the loan repayment schedule?
8. Are there any restrictions on early loan repayment?
9. What fines and penalties are provided for in the loan agreement?
Only with complete information will you be able to decide whether or not to purchase a home right now.
Mortgage from Sberbank for future owners of apartments and houses in the secondary market
Loans to individuals remain profitable and inexpensive. the largest bank countries. Acquisition financing finished house or apartments can be obtained in the amount of 300,000 rubles. for up to 30 years at an interest rate of 12.5% to 16.5% per annum. Your an initial fee- 20% or more of the price of future housing.
When determining the loan term, your actual age will be taken into account. According to the lending rules, at the time of the final repayment of the loan, the borrower must be no more than 75 years old.
The loan amount that will be provided to you will be the lesser of the values:
80% of the purchase price of a house or apartment,
80% of the appraised value of housing.
The acquired real estate is issued as a pledge and in mandatory is insured against the risks of loss, death, damage.
Upon receipt home loan in the amount of up to 15 million rubles. in Sberbank it is possible not to confirm the fact of having a permanent job and not to provide income certificates.
There is no need to pay a fee for issuing a loan.
Until the ownership of the acquired real estate arises, other forms of security must be provided as security for the loan: a pledge of property or a surety of solvent persons.
An important advantage of obtaining a mortgage at Sberbank is the ability early repayment no additional fees or commissions. However, it will be necessary to notify the lending office in advance about partial or full repayment of the loan.
Calculating the cost of home loans in Sberbank
The mortgage rate is lower in the following cases:
- Loan term within 10 years.
- You receive your salary to an account opened with Sberbank
- Down payment - from 50% and more.
- You have submitted income statements to the bank. Work experience at the very last place of work is at least 6 months. The total term of employment for the last 6 years exceeds 1 year. This requirement does not apply to the bank's payroll clients.
- Life and health are insured in one of the accredited companies.
The approximate mortgage interest rate is shown in the table below.
Added to the specified rates:
- + 0.5% - if you do not receive income on the salary accounts of the bank.
- + 1% - for the period until the registration of ownership of the acquired property.
- + 1% - in case of non-life insurance of the borrower.
Loan products for the purchase of a finished home
Competitive mortgage lending programs in the secondary market are offered by PJSC VTB24 Bank. Its main advantage is that the down payment can be 15% of the cost of a house or apartment.
Loans are provided for up to 30 years at 13.5% per annum upon concluding a comprehensive insurance contract. With absence insurance policy the interest rate is 14.5%.
A 0.5% discount is provided to clients who receive their salaries on accounts with PJSC VTB 24.
PJSC "Bank VTB" previously worked exclusively with representatives of large and medium-sized businesses. However, after the takeover, he began to develop the retail direction.
Since May 2016, VTB has also been offering mortgage products individuals... Since the retail direction of lending in the bank is only open, the mortgage rate is extremely low, ranging from 11% per annum.
Profitable terms financing is offered by PJSC Promsvyazbank. Down payment by selected programs ranges from 10%. The interest rate on mortgages in the secondary housing market is from 13.35% per annum.
Inexpensive loans are issued to customers by JSC Raiffeisenbank. Interest rates for the purchase of finished housing and apartments in new buildings for salary clients range from 11% per annum, for persons receiving salaries outside of JSC Raiffeisenbank - 12.25-12.5% per annum. Down payment - from 15% of the cost of housing. However, the maximum possible loan term is rather short, only 25 years, which affects the amount of monthly payments.
Conclusion
In conditions financial crisis banks are still interested in active cooperation with solvent clients. If you have a high enough income, which is officially confirmed, do not rush to accept the offer from the first mortgage center that agreed to lend you. Look for optimal conditions.
In conclusion, I would like to give advice, borrowed from Bodo Schaefer's book "The Dog Named Mani": try to deal only with those bank managers that you like. In this case, every trade will be successful.
One of the main tasks that the citizens of the Russian Federation set themselves is the solution of the housing problem. The value of real estate in the primary and secondary market is constantly growing, this is especially noticeable in large cities... And about such megacities as Moscow and St. Petersburg, needless to say, here prices for only one square meter of housing reach astronomical figures. But you still need to acquire your own real estate someday, and you don’t have to stick around in rented apartments all your life. Which bank is more profitable to take out a mortgage to buy an apartment?
Saving up 20 years to buy your home is a very difficult and time-consuming business, and taking into account the fact that real estate is getting more expensive every year, it is also useless, because in 10-15 years the amount for which you could buy an apartment today may only be enough for a few square meters... Therefore, if you have already managed to save a certain amount, you have a stable job and good income then it's time to think about buying a property in mortgage.
With the development of mortgage offers in banks, the proportion of people who can afford to buy housing has increased. Banks today offer various types of mortgage programs to their potential clients. Since a mortgage presupposes a long-term business relationship between a credit institution and a borrower, then the solution of the problem of where to get a mortgage should be treated with great attention and responsibility.
The decision you make largely depends on how convenient and profitable it will be for you to pay for the mortgage loan. Therefore, the borrower has a completely natural question: "Where is it profitable to get a mortgage?" Russian banks offer a ton of mortgage solutions. But how not to be mistaken and make a really correct and profitable choice? Depends on what exactly is the concept of "profitable".
Where is it more profitable to get a mortgage loan?
On the one hand, a mortgage is great way solve housing issue, however, on the other hand, this is a very important step, which imposes a lot of burdens and obligations on the borrower. Despite all the pros and cons of a mortgage, in our time it is the only reasonably justified loan. Judge for yourself: real estate will only rise in price, and by paying off the mortgage, you will not only not lose money, but you will also be able to earn money when selling an apartment.
Russian banks are ready to provide a variety of mortgage programs for a period of 1 to 30 years. Natural questions arise, and in which bank credit programs better, where is it more profitable to take a mortgage, does it exist at all profitable mortgage? These issues are especially relevant in large cities, where banks have a lot of potential clients, and the competition between lenders and even between consultants in one bank is quite high. Therefore, it is important to choose the institution with which it will be better and more profitable to cooperate for you.
Where is it more profitable and better to take a mortgage? The concept of the word "beneficial" is individual for everyone. For example, it is more important for someone to quickly repay a loan so as not to overpay interest. For such borrowers, it is better to take a home loan from a bank that offers a minimum interest rate. However, it should be said that all mortgage programs provide for the so-called "annuity option for debt repayment." This means that the real rate on the loan will be slightly higher than in advertising. You should also not forget about a variety of bank fees, state registration insurance and other incidental expenses.
Therefore, deciding to take a mortgage, while the most "profitable", you need to focus not on the low interest rate advertised in any bank, but rather pay attention to the full cost of the loan. The actual cost of the loan must be calculated at the bank and provided to the borrower before signing the mortgage, credit and other agreements. Only after a full calculation is it worth considering whether it is worth taking a loan from this bank or looking for a better offer.
What to look for when choosing a bank?
There are many significant conditions to consider when choosing a lender bank. When deciding which financial institution to take out a mortgage from, pay special attention to the following criteria:
- Minimum down payment Is a very important parameter. Today it is very difficult to find a bank where you can take out a mortgage with a 10% down payment. Majority credit institutions offer a down payment rate of 20% of the value of the property. And some financial institutions generally require 30% of the minimum down payment.
However, not everyone can shell out this amount right away. Therefore, if you are limited in funds, then choose a mortgage loan from a bank with a minimum interest rate on the down payment. 10 interest rates can be found in Sberbank (Mortgage for a Young Family program), Petrokomerets, Admiralteisky, Globexbank, Metallinvest, etc.
- Requirements for real estate Is another significant criterion. Since the mortgage is taken specifically for the purchase of real estate, it is extremely important to choose the lender who will issue a loan for the purchase of an apartment. That is, you need to choose exactly the bank that, without unnecessary problems, will accept the property that the borrower has chosen as collateral.
In the description of the mortgage lending program, there is always information about what requirements the bank puts forward to real estate. For example, not every lender agrees to give money for construction or secondary housing. In this regard, the European Trust Bank, My Bank, Pushkino, which agree to issue a loan for a mortgage, are better suited secondary housing.
- Registration speed... It is very important for someone to get a loan as soon as possible. However, you will have to upset the borrower who wants to do everything quickly, since almost all banks have the same requirements for the package of documents and the terms for considering an application from a client, which usually take about 30 days. And if the potential lender is also the owner of the business, then this is an additional few days.
Of course, lenders can fulfill any whim for your money. For example, to significantly speed up the process, but at the same time the requirements for the minimum down payment will increase to 50%, and the loan rate will double. The most advantageous offer for quick registration mortgages and VTB 24.
- Interest rate Is one of the most important parameters. The interest rate on the loan determines exactly how much you have to pay each month, and how much more you will overpay in the end. Immediately, we note: its "fooled" on advertising that promises a low interest rate of 7.65% - 8.9%.
As a rule, such a rate is given only for the first year of the loan, and for the second and subsequent years it rises sharply. Therefore, read the contract carefully, and it is better to choose a bank with an average interest rate: from 9% to 12% per annum. A budget option mortgages at VTB-24, Sberbank, ITB, Rosenergo.
- Special programs... Sometimes there are cases when some financial institutions offer some categories of citizens special preferential lending terms. Most often, these are government programs and subsidies, such as "Maternity capital for mortgages", "Mortgage for a young family", etc. Such persons can take out a loan for a mortgage, having received a number of benefits.
For example, Sberbank offers a reduced down payment for a young family. Finding similar preferential programs at other banks you can save a lot. So, a number of credit organizations, such as Pushkino, Admiralteisky, ITB, offer happy parents of their second and subsequent children to use maternal capital for obtaining a mortgage. Customers who wages get in the bank in which they want to get a mortgage.
- Loan amount and term... Although the loan amount is not the main priority when choosing a lender, this parameter will affect the decision of the borrower if the amount of his savings is very limited. The loan term is, of course, very important, since the longer the term, the easier it is to repay the loan, because with a long term the size monthly payments noticeably lower than with a short one.
The longest lending terms are offered by the following banks: ITB, Sberbank, Eurotrust, Moy Bank, Rosenergo, RIB, AHML - 30 years, VTB-24, Uralsib, Admiralteyskiy - 20 years. It should be borne in mind that a longer loan period increases the amount of the final overpayment.
Not all borrowers who pay mortgage loans are aware of the possibility of partially offsetting the cost of paying interest. This right guarantees tax code RF as part of the property tax deduction. Let's consider where to go and what documents will be required to exercise this right.
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Zapsibkombank issues a mortgage based on 2 documents
Zapsibkombank introduced two new services for buying a home on credit. Within the framework of the Mortgage on 2 Documents program, borrowers can make a large down payment and receive funds for improvement housing conditions in a simplified manner. To apply for a loan, you only need a civil passport and a certificate of income in the form
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Interprombank introduced a new mortgage refinancing service
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05 Feb 2019Financial results
Absolut Bank increases the volume of mortgage lending in St. Petersburg
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26 Dec 2018Changing rates
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Minimum base rate on mortgage programs of Gazprombank was reduced to 9% per annum. The initial payment within the credit service is 10% of the price of purchased square meters. Loans (including for mortgage refinancing) are issued for a period of up to 30 years. The maximum cost of a housing loan in GPB at the moment
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Akibank offers to arrange a mortgage at 6.98% per annum
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26 Dec 2017Putin offered to subsidize the mortgage for the birth of a child
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29 Nov 2017Analytics
Plus Bank: demand for mortgage refinancing is growing
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26 Sep 2017Analytics
Banks began to issue more mortgage loans
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11 july 2017
How to choose the right mortgage for 2019? Take advantage of our tips and find your perfect home and new home mortgage!
The most profitable mortgage in 2019 for secondary housing and new buildings: affordable mortgages from the best banks in the country
The problem of own housing, unfortunately, was, is and will be relevant. Not every average resident of our country has the opportunity to purchase the desired property with their own funds, and a profitable mortgage loan may be the only way out in such a situation. Surely you have already noted for yourself a huge number of mortgage offers from different banks.
But where is it more profitable to take a mortgage in 2019? Let's try to figure it out below. Read the post to the end, and you will find out what is the most profitable mortgage for secondary housing and new buildings now in banks.
What should the borrower pay attention to first of all?
Choose the most profitable option for you mortgage offers can be made by analyzing all offers on the market. We recommend that you study all the conditions in detail, since a superficial consideration of proposals may be fraught with the fact that you will miss important details out of sight, and later they turn into unpleasant surprises for you.
The cheapest mortgage consists of the following aspects:
Mortgage lending currency
Many private banks attract clients for mortgage loans at a lower interest rate on foreign exchange mortgages. The offer is certainly profitable, but very controversial. Taking a mortgage in 2019 in foreign currency is a big risk.
Firstly, the unstable economic situation of our country may turn out to be devaluable in the future national currency... This is unlikely to happen in the next 5-7 years, but mortgages are often taken for 20-30 years. Even the most professional expert will not be able to say how our currency will feel in the same 15 years. If the depreciation of rubles nevertheless occurs, then you will not gain anything from a foreign exchange mortgage, but on the contrary, you will gain headaches.
Secondly, foreign course currencies have always been floating. You probably know how the dollar jumped over the past 3 years and reached a record in its value. And this will already be directly related to your payments on the foreign exchange mortgage. Take a calculator and try to calculate how your payments will change if the exchange rate changes.
Advice: experts recommend taking out a mortgage in the currency in which you have the main stable income. If you receive a salary in rubles, and want to get a loan in dollars, then we advise you to abandon this risky idea.
Down payment amount
Making an initial payment on a mortgage is almost a prerequisite for lending; taking a mortgage in 2018/19 will not work without this. A rare bank does not require potential borrowers to pay at least a small part own funds... If financial institution does not require an initial payment, which means she will recoup for this with an increased interest rate or some other unfavorable for the client, but favorable conditions for herself.
In most cases, the bank sets the size of the down payment in the range of 10% to 30%. In fact, it turns out not a small amount. But this gives the bank some guarantee that you are a reliable client and that you can be given a large amount of credit.
If you are still trying to find offers with or without a 5% down payment, then grab a calculator and think that your own deposit will be beneficial for you in the first place. You will still have to return the amount of the initial payment to the bank, only it will also be burdened with interest.
How a mortgage is issued without a down payment is described in detail in the article:
Interest rate
The mortgage interest rate is your overpayment for the loan the bank gives you. This is a very important parameter of a profitable mortgage, but not fundamental. But the majority of borrowers pay attention to it in the first place and do not even take the p calculator into their hands.
Advertisements are full of promises of low interest rates. The average size in Russia is determined by experts at 12.7%. If you have found a loan with mortgage rate 5% or 7%, which means it's time to carefully read the terms and conditions. In fact, it may turn out that such low rate is provided, for example, on the following conditions: the amount of the initial payment is 50%, the loan term is 5 years, etc.
It is important to understand that the bank is primarily interested in its own profit, so it is absolutely not profitable for it to issue a mortgage at such a low rate without any burdening conditions. This complicates the task of where to get a really economical loan. Always use a calculator to calculate.
Availability of insurances and the amount of payments on them
The legislation of the Russian Federation has established a prerequisite for obtaining a mortgage loan - apartment insurance. All other types of insurance can be issued at the request of the client.
- Please note that the client's consent to life insurance can directly affect the mortgage interest rate.
- The bank is interested in being as confident as possible in its client. When insuring life or health of the latter, the bank will not lose anything in the event of unforeseen situations.
- Use a calculator and analyze how the mortgage will be most beneficial for you and whether you will benefit from agreeing to any types of insurance, and if not, then you will end up with them.
The presence of any commissions and their size
Most mortgage borrowers believe that it is enough to save up for a down payment and a loan in their pocket. But in reality, you should be prepared for other expenses, since most banks oblige their customers to pay some commissions, which can directly affect the size of the loan rate and the amount of overpayment.
- The first commission that you will surely face is the commission for providing you with a mortgage loan. Depending on the specifics of the loan program, this commission can range from 1% to 4% of the amount of the loan received. To choose a more profitable mortgage loan, you should analyze the mortgage overpayment with this commission and choose the most economical option.
- Be prepared to spend on commissions for opening a credit account and transferring money to a merchant.
- On the secondary side, there may be a commission for renting a safe deposit box.
Useful advice: to secure your budget from unexpected large expenses, read carefully mortgage agreement before signing it.
Possibility and conditions of early loan repayment
Long-term loans psychologically put pressure on the bank's clients, so it is not surprising that they are trying with all their might to repay the mortgage ahead of schedule, because it is scary to think about how many years it is taken and what kind of overpayment on loans will come out.
Very often this is not profitable for the bank, since the overpayment on the loan received by it can be very small. In this regard, he either does not provide the client with an early repayment option at all, or enters for this transaction high percent commission.
If the agreement states that the bank does not object to the advantageous early repayment of the loan for you and, moreover, offers to do this in one of the most convenient ways for you (deposit the entire remaining amount on the debt or only a part) without commissions and overpayments, then such a transaction can be said that this is the most profitable option and you can safely take a mortgage in it.
Consider this: at first I pay what I need, and then I save up for
Based on all of the above parameters, the ideal profitable mortgage looks like this:
- lending currency - ruble;
- down payment percentage - 10-15%;
- availability of preferences for mortgages;
- mortgage loan interest rate - 10-12%;
- compulsory types of insurance - only constructive insurance (there are no others);
- commissions for registration of a mortgage - no;
- the possibility of early repayment of the loan is provided, there is no overpayment.
Use these tips and find your perfect mortgage.
Where is the most profitable to get a mortgage
Available mortgages from the best banks in the country are presented below. From these tables, you will find out which bank has a profitable mortgage, and which one does not have for secondary housing and new buildings.
Resale
Bank | Bid, % | PV,% | Experience, months | Age, years | Note |
Sberbank | 10 | 15 | 6 | 21-75 | 9.5% young family, salary discounts 0.5% and 0.1% if electronic registration |
VTB 24 and Bank of Moscow | 9,5 | 15 | 3 | 21-65 | 9.25% if the apartment is more than 65 sq.m., salaries of PV 10%, |
Raiffeisenbank | 10,99 | 15 | 3 | 21-65 | |
Gazprombank | 10 | 20 | 6 | 21-60 | |
DeltaCredit | 12 | 15 | 2 | 20-65 | FB 20% PV, 1.5% discount if 4% commission |
Rosselkhozbank | 10,25 | 15 | 6 | 21-65 | 10% PV for finished for a young family, a discount of 0.25 if over 3 million, another 0.25 discount if through partners |
Absalut Bank | 11 | 15 | 3 | 21-65 | FB + 0.5% |
Bank "Revival | 11,75 | 15 | 6 | 18-65 | |
Bank "Saint-Petersburg | 12,25 | 15 | 4 | 18-70 | |
Promsvyazbank | 11,75 | 20 | 4 | 21-65 | |
Russian capital | 11,75 | 15 | 3 | 21-65 | |
Uralsib | 11 | 10 | 3 | 18-65 | 0.5% higher if the bank form is 20% PV |
AK Bars | 12,3 | 10 | 3 | 18-70 | 0.5% discount from partners |
Transcapitalbank | 12,25 | 20 | 3 | 21-75 | you can reduce the rate by 1.5% for 4.5% commission |
Bank Center-Invest | 10 | 10 | 6 | 18-65 | |
FC Otkritie | 10 | 15 | 3 | 18-65 | 0.25 plus if fb, a discount of 0.25% for corporate clients, a decrease of 0.3% if you pay a commission of 2.5%, for salaries, the first installment is 10% for FB 20% |
Svyaz-bank | 11,5 | 15 | 4 | 21-65 | |
Zapsibkombank | 11,75 | 10 | 6 | 21-65 | 0.5% discount for salaries |
Zhilfinance | 11 | 20 | 6 | 21-65 | |
Moscow credit bank | 13,4 | 15 | 6 | 18-65 | |
Globex Bank | 12 | 20 | 4 | 18-65 | 0.3% discount for salaries |
Metallinvestbank | 12,75 | 10 | 4 | 18-65 | |
Bank Zenith | 13,75 | 15 | 4 | 21-65 | |
Rosevrobank | 11,25 | 15 | 4 | 23-65 | |
B&N Bank | 10,75 | 20 | 6 | 21-65 | |
SMP Bank | 11,9 | 15 | 6 | 21-65 | Discount 0.2% if PV is 40% or more, Discount 0.5% if the client belongs to the preferential category, discount for quick exit to the deal rate 10.9 - 11.4% |
AHML | 11 | 20 | 6 | 21-65 | |
Eurasian Bank | 11,75 | 15 | 1 | 21-65 | |
UniCredit Bank | 12,15 | 20 | 6 | 21-65 | |
Alfa Bank | 11,75 | 15 | 6 | 20-64 | 4% commission - 1.5% discount works on delta |
New building
Bank | Bid, % | PV,% | Experience, years | Age, years | Note |
Sberbank | 10 | 15 | 6 | 21-75 | 9.9 for electronic registration of the transaction; -0.5% if the salary of Sberbank; 7.4% -8% if subsidized by the developer |
VTB 24 and Bank of Moscow | 9,45 | 15 | 3 | 21-65 | 9.2% if the apartment is more than 65 sq.m., salaries of PV 10%, |
Raiffeisenbank | 9,99 | 15 | 3 | 21-65 | 10% PV for salaries, 0.59-0.49 discount for certain developers |
Gazprombank | 9,5 | 20 | 6 | 21-65 | 10% PV for gas workers, 15% PV for large partners |
DeltaCredit | 12 | 15 | 2 | 20-65 | FB 20% PV, 1.5% discount if 4% commission, |
Rosselkhozbank | 9,45 | 20 | 6 | 21-65 | maternity capital without PV the rate does not change, a discount of 0.25 if over 3 million, another 0.25 discount if through partners |
Absalut Bank | 10,9 | 15 | 3 | 21-65 | FB + 0.5% |
Bank "Revival | 10,9 | 15 | 6 | 18-65 | |
Bank "Saint-Petersburg | 12 | 15 | 4 | 18-70 | 0.5% discount for salaries and with a closed mortgage in the bank, -1% after entering the house |
Promsvyazbank | 10,9 | 15 | 4 | 21-65 | 10% pv for key partners |
Russian capital | 11,75 | 15 | 3 | 21-65 | 0.5% discount for clients through bank partners, 0.5% discount for PV from 50% |
Uralsib | 10,4 | 10 | 3 | 18-65 | 0.5% higher if the bank form is 20% PV, 0.41% discount if PV is 30% or more |
AK Bars | 11 | 10 | 3 | 18-70 | discount 0.3% if PV is 20-30%, over 30% discount 0.6% |
Transcapitalbank | 13,25 | 20 | 3 | 21-75 | you can reduce the rate by 1.5% for 4.5% commission, after entering the house, the rate is reduced by 1% |
Bank Center-Invest | 10 | 10 | 6 | 18-65 | from 5-10 years the rate is 12% then the index of the Mosprime rate (6M) as of October 1 of the previous year + 3.75% per annum |
FC Otkritie | 10 | 15 | 3 | 18-65 | 0.25 plus if fb, 0.25% discount for corporate clients, a decrease of 0.3% if you pay a commission 2.5%, 10% PV if a salary employee, 20% PV according to FB |
Svyaz-bank | 10,9 | 15 | 4 | 21-65 | |
Zapsibkombank | 10,99 | 15 | 6 | 21-65 | 0.5% discount for salaries |
Zhilfinance | 11 | 20 | 6 | 21-65 | |
Moscow credit bank | 12 | 10 | 6 | 18-65 | |
Globex Bank | 11,8 | 20 | 4 | 18-65 | 0.3% discount for salaries |
Metallinvestbank | 12,75 | 10 | 4 | 18-65 | |
Bank Zenith | 14,25 | 20 | 4 | 21-65 | |
Rosevrobank | 11,25 | 20 | 4 | 23-65 | |
B&N Bank | 10,75 | 20 | 6 | 21-65 | |
SMP Bank | 11,9 | 15 | 6 | 21-65 | 0.2% discount for a PV of 40% or more, 0.5% discount for a preferential category of clients, a 10.9 - 11.4% rate for a quick exit to a deal |
AHML | 10,75 | 20 | 6 | 21-65 | |
Eurasian Bank | 11,75 | 15 | 1 | 21-65 | 4% commission - 1.5% discount works on delta |
Ugra | 11,5 | 20 | 6 | 21-65 | |
Alfa Bank | 11,75 | 15 | 6 | 20-64 | 4% commission - 1.5% discount works on delta |
Now you know the beneficial offers from banks:
- The minimum mortgage at the moment in Gazprombank in terms of interest for clients of the "street" category, but do not forget about other aspects of the correct choice of a mortgage product. Interest is not always the key factor.
- The minimum amount of a mortgage in the Russian Agricultural Bank.
Preferential mortgage in 2019
Preferential mortgages, that is, provided to the most vulnerable segments of the population (single mothers, large families etc.), as well as military personnel. Its essence is that part of the beneficiary's credit obligations is assumed by the state, but it does not always turn out to be cheaper than the usual one.
At the moment, there are mortgage programs that allow you to get mortgage loans on more favorable terms: - State support for socially significant professions.
How to choose the right mortgage
A well-chosen mortgage offer will save you headaches and save a lot of money. But how is it profitable to take out a mortgage? Rely on the following tips, and the most profitable mortgage in your pocket:
- Select the type of real estate (for example, you bought a private home, a new building, get a mortgage for a secondary home, etc.).
- Assess your chances of participating in special support programs from the state.
- Study offers from various leading public and private banks in our country in order to identify more favorable conditions.
Perhaps you are still thinking which is more profitable: rent an apartment or take out a mortgage? Of course, the second. Saving on mortgages seemed like a play on words. This is partly the way it is. It will cost you less to buy a mortgage if you know the secrets. We have collected the most useful tips for you:
- Choose a differentiated system of monthly mortgage payments, if the bank provides such an opportunity. So you can pay off the remaining amount of the debt and also the interest. As a result, the amount of the total overpayment will be significantly reduced. Ask the bank employees for all the information.
- Insure yourself. Banks are interested in attracting clients to insurance with them, but this is always not a cheap pleasure. It will come out almost 2 times more expensive than insurance from other agents. The difficulty is that a particular bank can cooperate with a narrow circle of insurance companies. You need to find this out and another Insurance Company will draw up a document for you in a couple of days.
- If possible, repay the loan ahead of schedule. Needless to say, the overpayment in this case will be the less, the sooner you deposit the entire loan amount.
- Checkout tax deduction and the return of interest on the mortgage. Every citizen of the Russian Federation has the right to do this once in a lifetime.
- Rent out an apartment with a mortgage. In this case, you will even make a profit from a home with a mortgage.
So, now you know how to choose the most profitable mortgage lending option, and we are ready to help you arrange a loan to purchase real estate, because we know what it is. profitable mortgage.
Which bank is better to take out a mortgage in 2018? Choice mortgage bank should be done based on an analysis of many factors. Which ones? Here are our recommendations.
Which bank is better to take out a mortgage in 2018:
Today we'll talk about which bank is better to take out a mortgage ... Today you will receive: a list banks giving mortgage , information on what to look for when choosing a bank, in which banks give mortgages for special programs, how to choose a bank for a mortgage step by step, as well as the main trends in the mortgage market in 2018.
Features and development trends in the market
mortgage loans in 2018
Nobody will give in the conditions of a protracted economic crisis guarantees that the work of the enterprise will remain the same easy and stable, or the salary will be delayed at the current level. As in 2016, there are potential risks associated with an increase in inflation, which means with a decrease in purchasing power when, with the same amount of income, a person will buy much less than now.
Experts see no reduction in manifestations negative consequences economic crisis in the next decade. Several points can be noted that will affect the state of the mortgage lending market:
- stagnation of the construction industry and "freezing" of unfinished objects;
- state support, artificial containment of the increase in rates on mortgage lending- under the influence of a number of economic factors;
- social projects can be cut due to insufficient funding.
The following development of the situation regarding the banks' proposal is possible:
- decrease in interest on mortgage loans;
- increased requirements for applicants, especially for financial solvency.
When deciding a question, where is it better to take a mortgage , credit rate- not basic. Trading conditions in 2016 led to the fact that developers added to the cost of square meters additional expenses for materials and components. Will it be profitable take a mortgage in an unstable economic situation?
You should not rely too much on reviews and pay attention to the rating, looking for where better take a mortgage and what is the best mortgage bank ... When making a decision, be guided not only by what I am taking borrowed funds... To avoid an unpleasant incident, consider the situation in perspective.
The beginning of the year was marked by an important event - the abolition of the state mortgage. This indicates that the government is looking positively towards the future. The market has digested this change in the situation. At first, banks returned rates to a fairly high level, but after up to 10.9% all other market participants began to rapidly improve their offers.
At the moment, the supply market for standard clients has stopped at 10%. But this is not the limit.
The 6 percent mortgage is becoming a reality in 2018. 11/25/2017 Vladimir Vladimirovich Putin, at a meeting of the coordinating council for the development of a national strategy of state action in the interests of children, said that from 2018, in addition to other options for helping families with children, a special mortgage program"Mortgage 6%".
And now: the leading banks in Russia have recently announced the start of issuing preferential mortgage loans for families with children at a rate of 6% per annum.
You can find out the most at the moment from another article.
How to choose
Choosing a mortgage bank should be done based on an analysis of several factors:
- Bank stability. Look on the Central Bank's website to see if the bank has a license, what place it occupies in terms of capital.
- Profitable mortgage program. Conduct a preliminary comparative analysis of several offers from different banks. Look out for additional commissions, fees, insurance, etc.
- Convenience of service. Look first of all at the offers of your payroll bank. It is not so interesting to go to the office every time, but here all debits will occur from the card. Find out how many offices the bank has and if there is a bank branch near you. Pay attention to the possibility of online service. Is it possible to make early repayment online without going to the bank.
- Which bank has the most loyal policy? See the list banking institutions who give mortgages and read reviews about banks. Check if you meet the requirements of this bank.
A list can be found mortgage banks , but the rating of banks does not always reflect the real state of affairs. The small bids offered may be advertisements that hide other payments.
Let's take the TOP-30 mortgage banks in the country
This table shows the offers in the secondary market:
Bank | Bid, % | PV,% | Experience, months | Age, years | Note |
Sberbank | 10 | 15 | 6 | 21-75 | 9.5% young family, salary discounts 0.5% and 0.1% if electronic registration |
VTB 24 and Bank of Moscow | 9,5 | 15 | 3 | 21-65 | 9.25% if the apartment is more than 65 sq.m., salaries of PV 10%, |
Raiffeisenbank | 10,99 | 15 | 3 | 21-65 | |
Gazprombank | 10 | 20 | 6 | 21-60 | |
DeltaCredit | 12 | 15 | 2 | 20-65 | FB 20% PV, 1.5% discount if 4% commission |
Rosselkhozbank | 10,25 | 15 | 6 | 21-65 | 10% PV for finished for a young family, a discount of 0.25 if over 3 million, another 0.25 discount if through partners |
Absalut Bank | 11 | 15 | 3 | 21-65 | FB + 0.5% |
Bank "Revival | 11,75 | 15 | 6 | 18-65 | |
Bank "Saint-Petersburg | 12,25 | 15 | 4 | 18-70 | |
Promsvyazbank | 11,75 | 20 | 4 | 21-65 | |
Russian capital | 11,75 | 15 | 3 | 21-65 | |
Uralsib | 11 | 10 | 3 | 18-65 | 0.5% higher if the bank form is 20% PV |
AK Bars | 12,3 | 10 | 3 | 18-70 | 0.5% discount from partners |
Transcapitalbank | 12,25 | 20 | 3 | 21-75 | you can reduce the rate by 1.5% for 4.5% commission |
Bank Center-Invest | 10 | 10 | 6 | 18-65 | |
FC Otkritie | 10 | 15 | 3 | 18-65 | 0.25 plus if fb, a discount of 0.25% for corporate clients, a decrease of 0.3% if you pay a commission of 2.5%, for salaries, the first installment is 10% for FB 20% |
Svyaz-bank | 11,5 | 15 | 4 | 21-65 | |
Zapsibkombank | 11,75 | 10 | 6 | 21-65 | 0.5% discount for salaries |
Zhilfinance | 11 | 20 | 6 | 21-65 | |
Moscow credit bank | 13,4 | 15 | 6 | 18-65 | |
Globex Bank | 12 | 20 | 4 | 18-65 | 0.3% discount for salaries |
Metallinvestbank | 12,75 | 10 | 4 | 18-65 | |
Bank Zenith | 13,75 | 15 | 4 | 21-65 | |
Rosevrobank | 11,25 | 15 | 4 | 23-65 | |
B&N Bank | 10,75 | 20 | 6 | 21-65 | |
SMP Bank | 11,9 | 15 | 6 | 21-65 | Discount 0.2% if PV is 40% or more, Discount 0.5% if the client belongs to the preferential category, discount for quick exit to the deal rate 10.9 - 11.4% |
AHML | 11 | 20 | 6 | 21-65 | |
Eurasian Bank | 11,75 | 15 | 1 | 21-65 | |
UniCredit Bank | 12,15 | 20 | 6 | 21-65 | |
Alfa Bank | 11,75 | 15 | 6 | 20-64 | 4% commission - 1.5% discount works on delta |
Primary housing
Bank | Bid, % | PV,% | Experience, years | Age, years | Note |
Sberbank | 10 | 15 | 6 | 21-75 | 9.9 for electronic registration of the transaction; -0.5% if the salary of Sberbank; 7.4% -8% if subsidized by the developer |
VTB 24 and Bank of Moscow | 9,45 | 15 | 3 | 21-65 | 9.2% if the apartment is more than 65 sq.m., salaries of PV 10%, |
Raiffeisenbank | 9,99 | 15 | 3 | 21-65 | 10% PV for salaries, 0.59-0.49 discount for certain developers |
Gazprombank | 9,5 | 20 | 6 | 21-65 | 10% PV for gas workers, 15% PV for large partners |
DeltaCredit | 12 | 15 | 2 | 20-65 | FB 20% PV, 1.5% discount if 4% commission, |
Rosselkhozbank | 9,45 | 20 | 6 | 21-65 | maternity capital without PV the rate does not change, a discount of 0.25 if over 3 million, another 0.25 discount if through partners |
Absalut Bank | 10,9 | 15 | 3 | 21-65 | FB + 0.5% |
Bank "Revival | 10,9 | 15 | 6 | 18-65 | |
Bank "Saint-Petersburg | 12 | 15 | 4 | 18-70 | 0.5% discount for salaries and with a closed mortgage in the bank, -1% after entering the house |
Promsvyazbank | 10,9 | 15 | 4 | 21-65 | 10% pv for key partners |
Russian capital | 11,75 | 15 | 3 | 21-65 | 0.5% discount for clients through bank partners, 0.5% discount for PV from 50% |
Uralsib | 10,4 | 10 | 3 | 18-65 | 0.5% higher if the bank form is 20% PV, 0.41% discount if PV is 30% or more |
AK Bars | 11 | 10 | 3 | 18-70 | discount 0.3% if PV is 20-30%, over 30% discount 0.6% |
Transcapitalbank | 13,25 | 20 | 3 | 21-75 | you can reduce the rate by 1.5% for 4.5% commission, after entering the house, the rate is reduced by 1% |
Bank Center-Invest | 10 | 10 | 6 | 18-65 | from 5-10 years the rate is 12% then the index of the Mosprime rate (6M) as of October 1 of the previous year + 3.75% per annum |
FC Otkritie | 10 | 15 | 3 | 18-65 | 0.25 plus if fb, 0.25% discount for corporate clients, a decrease of 0.3% if you pay a commission 2.5%, 10% PV if a salary employee, 20% PV according to FB |
Svyaz-bank | 10,9 | 15 | 4 | 21-65 | |
Zapsibkombank | 10,99 | 15 | 6 | 21-65 | 0.5% discount for salaries |
Zhilfinance | 11 | 20 | 6 | 21-65 | |
Moscow credit bank | 12 | 10 | 6 | 18-65 | |
Globex Bank | 11,8 | 20 | 4 | 18-65 | 0.3% discount for salaries |
Metallinvestbank | 12,75 | 10 | 4 | 18-65 | |
Bank Zenith | 14,25 | 20 | 4 | 21-65 | |
Rosevrobank | 11,25 | 20 | 4 | 23-65 | |
B&N Bank | 10,75 | 20 | 6 | 21-65 | |
SMP Bank | 11,9 | 15 | 6 | 21-65 | 0.2% discount for a PV of 40% or more, 0.5% discount for a preferential category of clients, a 10.9 - 11.4% rate for a quick exit to a deal |
AHML | 10,75 | 20 | 6 | 21-65 | |
Eurasian Bank | 11,75 | 15 | 1 | 21-65 | 4% commission - 1.5% discount works on delta |
Ugra | 11,5 | 20 | 6 | 21-65 | |
Alfa Bank | 11,75 | 15 | 6 | 20-64 | 4% commission - 1.5% discount works on delta |
What are the moments in cooperation with banks
you need to pay special attention:
- Let's take a way to calculate the rate. It can be fixed or floating. IN government programs it promises to be constant throughout the entire period of payment of the debt. Floating rate depends on condition money market... The flat rate has its drawbacks. Banks often apply an individual approach to each applicant. The final rate for a particular person may differ significantly from the one stated at the beginning.
- Initial fee. The smaller it is, the higher the rate.
- Borrower requirements. Interested in choosing a bank for a mortgage on two documents without proof of income? Get ready for high interest rates.
- Banking commission. Often, having taken a loan at a low interest rate, you have to pay a one-time additional fee for supporting the transaction. Sometimes it makes sense.
- Insurance services. The life and disability of the borrower is insured voluntarily. If you refuse voluntary insurance, the rate will increase by 1-1.5 points.
- Loan maturity. Where is it more profitable to get it? The ideal mortgage, according to experts, is optimal for a 20-year period. With a shorter period, the regular payment turns out to be higher, with a longer period, there will be a noticeable overpayment in interest.
The choice of the bank and the most profitable
credit product
- Before revising the data, in which bank will be profitable to take out a mortgage , select a property. You can buy apartments in new buildings and in the secondary market, private houses, it can be a room, a share in an apartment, an apartment, a cottage, land plot, cottage, townhouse.
- Pay attention to the conditions of special programs and state support programs. How is it profitable to participate in them? Military mortgage - the possibility of obtaining housing for military personnel, monthly installments and advance payment are paid by the state. Mortgage "Young family" - an opportunity to issue soft loans with low interest and an initial payment for persons under 35 years old. The option of purchasing a home with a mother capital is the most profitable mortgage for families with two or more children. Social mortgage- loyal interest rate policy and advance support of socially significant professions.
- Rate your own financial situation... You can take a mortgage without making an advance payment, with an advance payment of 5-10%, 15-20% or 30-50%.
- Find out what the quality is credit history... It is advisable to check the borrower's dossier before applying. Do not give mortgages to people with a damaged credit report.
- Decide on a package of documents. They may differ in banks. In some institutions, you can draw up a transaction based on a certificate in the form of a bank, while in others it is not.
- Reveal the presence / absence of additional commissions and fees. Sometimes the costs of insurance, issuing a loan are large, the result is a very expensive loan. A more profitable option may be a program with a rather large rate, but with lower costs related to loan servicing.
- Calculate the required amount. The approximate cost of the property must be compared with the available money. The difference is the amount borrowed.
- Check yourself for compliance minimum requirements the selected lender to the borrower.
- Analyze mortgage offers. Find several options where they offer to borrow with a small rate. First of all, it is worth contacting the bank where the salary is issued. Here they will offer a loyal rate and a discount on the initial payment.
- Calculate the payment and the required income. Annuity allows you to deposit monthly equal amounts and increases the likelihood of a positive decision on the application to the applicant, even with a small income. Differentiated mortgage payments provide an opportunity to save money, but the first payments will be large. A mortgage calculator will help you choose an option.
- Finally, decide on a deadline. The long term allows you to reduce the amount of the monthly payment, which directly affects the approval of the application. Repay loans when available funds become available large sums... The bank will recalculate the interest.
- Don't overestimate the strength of your monthly costs. Events that are important to your personal budget can have a significant impact on financial position, so you have to urgently look for where to get the money for the next payment.
- Find a profitable way to apply for a loan. You can get a mortgage at the bank office. Remote request posted on the website credit institution, gives a discount on the rate.
- If you don't want to figure out on your own which bank has the lowest mortgage percentage, then it's easier to entrust the task to a mortgage broker.
Nuances of choice
- When making the selection of a mortgage, it is better to pay attention to finished housing or nearing the end of construction.
- Pay attention to the liquidity of the future acquisition. If necessary, it can be sold in order to pay off debt obligations with the money received.
- If you took out loans in the currency of the main part of income, then it is predicted to remain the same currency for a long time.
- Loan payments must not exceed 30% of total income. When planning a mortgage loan, one should assume a different course of events and negotiate possible consequences with co-borrowers and "other halves" before signing a loan agreement.
- It is best to get a long term mortgage so that monthly payments are within your budget.
- Execute an agreement with the possibility of early repayment without fines, so that with an increase in income, pay off debt obligations faster, and loans will be cheaper.
- Borrowers who make a good advance payment (30-50%) can count on more democratic loans.
- It is necessary not only to compare conditions. Reading mortgage agreement requires special attention.
- Experts recommend not to take the rate as the basis for selection. It might just be a gimmick to expand your customer base. On average, 10-13 per annum are offered, if promising a lower percentage, study other conditions in the rating of banks more carefully.
- Some clients who receive financial assistance, when choosing a mortgage, forget about the availability of insurance. Legally established compulsory insurance real estate, the borrower can refuse all other types of insurance programs. But often it is the consent to voluntary insurance influences the size of the rate.
- Often it is assumed that a fee is charged for registration and issuance of a loan (from 1 to 4% of the amount). The higher the commission, the lower the interest. To understand where it is more profitable to take a mortgage, the size of the commission is compared with the full overpayment. Account management fee is charged every month. In such a case, the benefit from a rate cut is often negligible or nonexistent.
- The most cheap mortgage in some regions it is obtained by regional credit products.
The best banks with special program options
- Which bank is better to take military mortgage? Gazprombank - 9.5% per annum, 2,250,000 rubles, initial payment - 20%.
- Which banks give clients a mortgage with a mother capital? Sberbank - from 300,000 rubles, from 7.4% per annum, insurance - 1% of the amount (if the service is canceled, 1% is added to the rate).
- Which bank is better for young people to take a mortgage? Favorable conditions for a young family from Rosselkhozbank: from 1 to 20 million rubles, from 9.1% per annum, advance payment - from 10% for secondary housing, 10% more - for primary care Possibility of a one-time deferral of the principal debt at the birth of a baby. Sberbank has a similar program from 10.25%, but only for finished housing and for salaries when registering a transaction electronically. For the rest of the people, the base rate is 11.25.
- Which bank can I take a mortgage for refinancing? Refinancing a mortgage at Sberbank is one of the most profitable. Ready to issue from 500,000 rubles at 10.9% per annum, confirmation of income is required.
- Which bank would be better to take out a mortgage on two documents? VTB 24 - 10.4% per annum, up to 500,000 rubles.
- In which bank will it be profitable to take out a mortgage on a house and land? Rosselkhoz Bank - 100,000-20,000,000 rubles, advance payment - from 15% (you can use matcapital), from 9.75% per annum.
- Which bank lends to foreigners? VTB24 - from 600,000 rubles, 9.4-10.4% per annum, minimum advance payment - from 15%.
- Metallinvestbank borrows without an initial payment... It is proposed to take a mortgage for an apartment in an apartment building in the primary and secondary markets at 12% per annum.
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