Apply to the bank for a mortgage. Online application for a mortgage
For many Russians, improvement living conditions is a hard-to-realize goal, and the acquisition of new “choirs” generally remains only in dreams. Some save money, thinking that in the future they will be able to raise the necessary amount to buy an apartment or house, but their purchasing power only decreases due to inflation and spending. However, in this situation, mortgage lending will be the way out. For such a solution to be profitable, you should know where it is better and how to get a mortgage, compare offers from Russian banks, and choose the best one.
What you need to know before getting a mortgage
Now is a good time to apply for a mortgage. By far the most affordable rates. If earlier creditors took 12-13% per annum, now there is a record low level, the cost of a mortgage loan fell to 9.50% per year. But this is not the limit. It is assumed that mortgage banks will serve mortgage borrowers at 8% per annum.
Such conditions may await us by the end of 2018, and in 2019, it is quite likely that the interest rate will be reduced to 7%. Against this background, 50-80% of transactions in the residential real estate market are concluded through mortgage lending, more than 4 million people repay housing loans. Benefits are received not only by new borrowers, but also by existing ones, since financial institutions give them the opportunity to refinance existing loans.
This allows individuals to save significantly (15-20% of the monthly payment). By the way, the share of mortgage refinancing will also grow. By providing this product, banks will not bear the risks, on the contrary, they will benefit from its distribution. Mortgage refinancing will lead to a decrease in the payment, and, consequently, the credit burden on the family budget. If payment is made according to the annuity system, the savings will be about 20%.
This suggests that it will become easier for the client to repay the debt, which means that he is likely to cope with the debt obligations he has assumed. But some citizens have a question: “If everything is so good, and in the foreseeable future rates will become even lower, then maybe it’s better to take out a mortgage later?”. It is more expedient not to postpone the purchase of housing, especially when it is needed urgently.
In your search for the right offer, you may miss out on a good one. In addition, people who managed to get a mortgage, as practice shows, repay it ahead of schedule. This means that many borrowers are able to quickly cope with debt obligations and reduce the final overpayment by several times.
How to get a mortgage loan
There are a number of other aspects in which a person who intends to get a mortgage needs to be aware, for example, the optimal loan parameters. We note right away that they are not, because. everything is individual in each case. But here are a few general tips for you:
- if you have already decided where to get a mortgage, and it remains to choose the most optimal loan program, pay attention to the size of the down payment. There is a connection between him and the rate. Usually, banks with an increased down payment reduce the cost of using borrowed funds. It is recommended to save up at least 20% to pay for the purchase of a house or apartment. This will increase your chances of getting approved. The more a person contributes at the first stage, the shorter the loan term and its cost will be. Of course, the ideal ratio and loan funds, and personal savings is considered 50/50. consumer credit not worth taking for these purposes. These actions will increase your debt load, the likelihood of delays, etc. Search, at least, is stupid, there are practically no such left on mortgage market. If they are presented in a single character, there is no benefit from them. First, this high interest on credit. Secondly, - the obligatory choice of an object from a limited list of developers-partners of the bank;
- value your financial opportunities. For borrowers living on a small salary, loan payments should not exceed 40% of family budget. For individuals with an average income, it is allowed to allocate up to 50% for a mortgage. In the case when the salary is high, you can burden yourself with a credit burden of up to 60% or more.
What are the laws governing mortgages?
The size of the monthly payment is also important for the future owner of the living space. Again, this information will be given to you by the lender himself. This payment is calculated depending on the level of your income, and cannot exceed 40-50% of the salary (after taxes). Redemption can take various forms:
- constant payments at a fixed cost of using credit funds;
- at a fixed interest rate and growing payments;
- through a variable rate.
Steps to get a mortgage
You can choose a suitable loan program with the help of a mortgage broker. Services are paid, but it will greatly facilitate the whole process for you. The specialist looks for banks where you can get a mortgage, selects the best loan conditions, and assists in the preparation of documentation. If the borrower is not ready for such expenses, you will have to do everything yourself.
The editors of the site "Take a loan!" analyzed dozens of offers from popular Russian banks and prepared a selection for you. But first, we will describe the scheme of actions necessary to be performed in order to purchase housing at the expense of credit funds. Step-by-step instruction as follows:
- Choose from which bank you will take a loan. There are over fifty mortgage lenders in Russia. A large proportion of Russians prefer to apply for a mortgage in Sberbank. They also use the services of: VTB, Rosselkhozbank, DeltaCredit, URALSIB, etc.
- Carefully read credit programs. The same Sberbank offers its customers:
- mortgage for secondary housing;
- credit for improving housing conditions;
- acquisition of a real estate object under construction in the primary market;
- a program designed for young families;
- military mortgage;
- purchase of land, etc.
- At this stage, the preparation of documentation takes place. Each bank has its own requirements regarding documents, but the standard list includes: passport, application, labor, collateral certificates ( home Book, registration certificate of the object, appraiser's conclusion, etc.), 2-NDFL.
- The lender issues a verdict in a few days or weeks based on scoring. If the answer is yes, the bank will tell you how much you can expect. After that, the borrower will have 1-6 months. for the final decision and signing of documents.
- A contract of sale is concluded with the seller.
- Contributed an initial fee.
- Insurance is being arranged. You may be asked to take out insurance: personal (life, health), title (against loss of ownership), property (against damage to the house / apartment).
- It remains to sign a mortgage and pledge agreement, register a purchase and sale transaction. The money is credited to the seller's account within a few days.
How to get a mortgage in Tinkoff Bank
Loan program | Sum | Term | Bid | An initial fee |
Reduced rate mortgage | up to 99,000,000 rubles | up to 25 years | from 6% per annum | from 10% |
Mortgage with mother capital | up to 99,000,000 rubles | up to 25 years | from 6% per annum | from 10% |
Mortgage with state support | up to 3,000,000-8,000,000 rubles | up to 25 years | from 6% per annum | from 20% |
Real estate loan | up to 99,000,000 rubles | up to 20 years | from 9.90% per annum | - |
* Tinkoff Bank does not currently specialize in mortgages
Product description
Tinkoff Bank is an intermediary in issuing home loan, i.e. broker. It has partnerships with other lenders where it sends your online application for review within 2-4 days. Tinkoff helps you get a mortgage at a low rate and choose a bank with the best programs.
A personal manager works with each client, who provides support in: collecting documents, organizing a transaction, finding real estate in the primary market and a suitable insurance company. If necessary, he can advise a good realtor. By the way, in order to get a mortgage, you do not need to collect documentation for each bank. Tinkoff itself will transfer 1 package to all partners.
And he cooperates with such commercial organizations, how:
- DeltaCredit Bank;
- Orient Express Bank;
- Absolut Bank;
- Dom.RF;
- Gazprombank;
- AK BARS Bank;
- UniCredit Bank and others.
If your request is successful, 1 visit to the bank will be enough to sign the contract. To apply, you need to upload online passport and proof of income. If the borrower wants to become an individual entrepreneur, the list of his documents is longer: passport, PSRN, TIN, tax certificates and a declaration. The most acceptable conditions are set for apartments and apartments.
Those Russians who confirm income initially contribute from 20%. For a greater reduction in the rate, it is recommended to take out insurance for the health and life of the borrower. Also profitable will be: buying an apartment from developers on promotional offers, mortgages at a preferential state program. For existing debtors, mortgage loan refinancing (from 8% per annum) is suitable.
If you partially pay off your mortgage early, your monthly payment will decrease. You can find out the approximate rate by indicating the value of the property, the amount of the down payment and the amount that you are willing to pay the bank every month.
How to apply for a mortgage in UBRD
Loan program | Sum | Term | Bid | An initial fee |
Mortgage for finished housing | up to 30,000,000 rubles | up to 25 years | from 9.30% per annum | from 20% |
Mortgage in a new building | up to 30,000,000 rubles | up to 25 years | from 9.30% per annum | from 20% |
Loan secured by real estate | up to 15,000,000 rubles | up to 15 years | from 12% per annum | - |
Mortgage with mother capital | up to 30,000,000 rubles | up to 25 years | from 9.30% per annum | from 10% |
Product description
The Ural Bank for Reconstruction and Development cannot offer as many mortgage programs as competing financial institutions. However, he has the most necessary options, as well as acceptable lending conditions. The initial mortgage rate in a new building and on ready-made housing is set at 9.30% per annum if real estate is registered with UBRD partner developers.
In both cases, the security is a pledge of the acquired object. The amount issued by the creditor can be from 300 thousand to 30 million rubles. The borrower is credited for 5-25 years. Clients interested in purchasing housing in the primary and secondary markets can apply for a mortgage under the action. There are 3 of them, but only one is selected for the loan.
Each allows you to get a discount on the interest rate. If you take a mortgage under the capital, the fee will be at least 9.30% per year, and the deposit - from 10%. For those wishing to issue a loan for any purpose secured by existing real estate, its cost will be 12% per annum or more. The maximum loan amount will not exceed 15 million rubles. According to its obligations, the borrower will have to fully pay off the bank for 5, 10 or 15 years.
Requirements for a borrower intending to apply for a mortgage in UBRD
Persons who are 23 years old, but not older than 70 years old at the time of debt repayment, can count on cooperation with the creditor. Mortgages are offered only to Russian citizens with a permanent place of work, 3 months of experience (current employment) and a total of 12 months. For pensioners, the proof of solvency is the old-age/long service pension. The monthly earnings of the future borrower cannot be less than 12 thousand rubles, and the co-borrower - 10 thousand rubles.
It is important not to have current delinquencies and more than 2 loans if you do not want to be rejected. The process of registration is as follows: you consult with mortgage specialist and submit an application on the UBRD website, after which you send Required documents to the bank's e-mail or bring them in person to the branch. Next, you will receive a call from the manager, who, during the consideration of the application, can ask clarifying questions.
If you submit a complete list of documents, the answer will be known the next day after you tried to get a mortgage. The verdict will also be announced by phone. You will be told about the next steps. The client is given 3 months to select housing. He will not choose the object himself, but with the help of a personal manager. You set the date of the transaction, and for this you come to the bank's office. After signing the loan documentation, the insurance contract, a loan will be issued.
How likely is it to get a mortgage at the Housing Finance Bank
Loan program | Sum | Term | Bid | An initial fee |
Mortgage on 2 documents (secondary) | up to 20,000,000 rubles | up to 30 years | from 9.20% per annum | from 20% |
New building according to 2 documents | up to 20,000,000 rubles | up to 30 years | from 20% per annum | from 4.90% |
Loan secured by an apartment/apartment | up to 20,000,000 rubles | up to 20 years | from 10.30% per annum | - |
Product description
There are 3 products in the line of ZhilFinance Bank. The most popular mortgage on 2 documents, since it is available to the general population, firstly, because the registration process is quite quick and simple. The second reason for the growth in demand is the low rate. If you are officially working, confirm the income, it will be 9.20%.
The initial mortgage payment is 20% of the value of the object. It is given for 1-30 years in the amount of 480 thousand to 20 million rubles. The loan is taken on the basis of copies of the passport and the second document (SNILS, driver's license, etc.). About 82% receive same-day approval for an online application. BZHF provides mortgages to persons with any credit history. The borrower is a Russian citizen aged 18-65.
In addition to the mortgage on 2 documents, the lender gives:
- "New building" according to 2 documents. You need to lead from 20%. annual rate starts at 4.90%. They lend from 480 thousand to 20 million rubles. The object must be purchased from accredited developers;
- a loan secured by real estate (apartments/apartments) - no more than 20 million rubles. (up to 70% of the value of the object) at 10.30% and more for 1-20 years. The collateral is the apartment or apartments in the ownership in one of the cities: Moscow, St. Petersburg, Moscow Region, Leningrad Region, Krasnodar, Omsk, Novosibirsk, Krasnoyarsk, Nizhny Novgorod, Novorossiysk, Saratov, Kazan, Yekaterinburg, Volgograd. The living space should be located in a multi-storey building, be in good condition, not burdened. Served: passport, real estate documentation.
Who can apply for a mortgage to purchase real estate in Promsvyazbank
Loan program | Sum | Term | Bid | An initial fee |
New building | up to 30,000,000 rubles | up to 25 years | from 8.70% per annum | from 10% |
Mortgage without down payment | up to 30,000,000 rubles | up to 25 years | from 11.10% per annum | 0% |
"Alternative" | up to 10,000,000 rubles | up to 15 years | from 12.70% per annum | |
Target secured loan | up to 30,000,000 rubles | up to 25 years | from 8.85% per annum | - |
"In the mortgage - light!" | decided on an individual basis | depending on the object | from 11% per annum | from 40% |
country estate | up to 15,000,000 rubles | up to 25 years | from 10.40% per annum | - |
Secondary market | up to 30,000,000 rubles | up to 25 years | from 8.85% per annum | from 10% |
Product description
Promsvyazbank has more than 7 offers that take into account the needs and needs of the client, including Maternity Capital, a mortgage for the purchase of finished housing, in a new building. Refinancing is also provided. The maximum loan term is 25 years. The largest amount you can borrow from a lender is 30 million rubles.
The fee for using a loan depends on its type, so the range of rates is as follows: 8.70-12.70% per year or more. However, care must be taken when studying credit programs Promsvyazbank, since low interest rates are taken from payroll clients. Also, the amount of payment for the use of credit funds depends on which bank partners you will buy an apartment from.
Such conditions apply for insurance and an initial payment of at least 20% of the value of the object. You can get a mortgage without commission. Allowed early repayment. For those who do not want to limit themselves to the options offered by the bank's partners, you can take a targeted security loan and buy any apartment or private house With land plot both in the primary market and in the secondary market.
Promsvyazbank also has such a program that provides for a quick conclusion of a transaction with a minimum package of documents (without a certificate of employment and income) with the possibility of accounting for earnings from personal business. For individuals who intend to apply for a secondary market mortgage, the lender provides legal assistance, assists in organizing a sale and purchase transaction, etc.
Real estate and client insurance is carried out in the amount of 1% of the loan amount. Insurance is paid on the day you decide to take out a mortgage. It will need to be renewed annually. The requirements for the borrower are:
- Russian citizenship and permanent registration in the area where the banking unit is located;
- age 21-65 years;
- permanent income, work experience of at least 1 year (in some cases from 2 years);
- 2 valid phone numbers (one is work, the other is mobile);
- documents - application form, passport, SNILS, certificate of marital status, a document certifying employment and solvency.
How is a mortgage issued in Sberbank
Loan program | Sum | Term | Bid | An initial fee |
New building | up to 30,000,000 rubles | up to 30 years | from 7.30% per annum | from 10% |
Finished housing | up to 30,000,000 rubles | up to 30 years | from 8.80% per annum | from 10% |
Mortgage for families with children (state support) | up to 12,000,000 rubles | up to 30 years | from 5% per annum | from 20% |
Home construction | up to 30,000,000 rubles | up to 30 years | from 10% per annum | from 25% |
non-targeted | up to 10,000,000 rubles | up to 20 years | from 11.60% per annum | - |
country estate | up to 30,000,000 rubles | up to 30 years | 9.50% per annum | from 25% |
military mortgage | up to 2,502,000 rubles | up to 20 years | 9.20% per annum | from 16.60% |
Product description
Sberbank provides mortgage lending to individuals and legal entities with Russian citizenship, whose age at the time of application exceeds 21 years, at the time of return - no more than 75 years. The borrower must have a total experience of 5 years, and at the last place of work - at least six months. But if you - payroll client, this condition will not work. When the amount approved by the bank is not enough, it is allowed to attract co-borrowers (from 1 to 3 people, for a young family this number can reach 6 people).
Their income is also taken into account. To apply for a mortgage, documents are presented: application form, passport + one to choose from. You will also need certificates confirming the availability of income and work. If the loan is taken with collateral, you will additionally have to provide documents on collateral. Mortgages in Sberbank are given at the place where the borrower or co-borrower is registered, or in the region in which the property being financed is located.
The largest amount of the loan is 30 million rubles. Loan term can be from 20 to 30 years. The initial payment varies within 10-25% and more. The rates are different. A mortgage for a young family in Moscow is issued on preferential terms - from 5% per year. If you want to take out a mortgage to buy new apartment, should be paid every year from 7.30%.
If the borrower needs to apply for a loan for the construction of a summer house, a house, the deposit will be equal to 25% or more, interest - from 9.50% per annum, and the minimum amount of credit funds - 300 thousand rubles. Sberbank allows the client to independently choose the payment date and change it once a year. You can qualify for a mortgage if:
- fill out an application, provide a package of documents to it;
- wait for an answer. The application is considered 2-5 days. If the verdict is favorable, the bank will request documents on the property;
- sign all loan documentation;
- pass state registration.
At what percentage can I get a mortgage on an apartment in the Russian Agricultural Bank
Loan program | Sum | Term | Bid | An initial fee |
Mortgage lending | up to 60,000,000 rubles | up to 30 years | from 9.75% per annum | from 15% |
State support for families with children | 6,000,000-12,000,000 rubles | up to 30 years | from 4.70% per annum | from 20% |
Special offers | up to 20,000,000 rubles | up to 10 years | from 4.50% per annum | from 15% |
military mortgage | up to 2,700,000 rubles | up to 24 years | from 9% per annum | from 10% |
Target mortgage | up to 20,000,000 rubles | up to 30 years | from 10.10% per annum | - |
Young family + mother capital | up to 60,000,000 rubles | up to 30 years | from 9.75% per annum | from 15% |
Mortgage loan under 2 documents | 4,000,000-8,000,000 rubles | up to 25 years | from 10.90% per annum | from 40-50% |
Product description
RSHB makes it possible to buy: an apartment, a summer residence, a private house, apartments in the city, to purchase land for housing construction. For each category of client (salary, "reliable", employee of a budgetary enterprise), its own lending conditions are established.
If the goal is to buy an apartment (primary market), and the loan amount does not exceed 3 million rubles, depending on the status, the borrower will have to pay 9.75-10% per year. When it is necessary to issue a mortgage for the purchase of housing (secondary market) over 3 million rubles, the cost will be the same. But in other cases, the interest is different, the bank has a whole tariff scale. This information must be specified on the website of the lender.
Mortgage with state support families with children are provided at 4.70% per annum or more for the purchase of an apartment from a developer or for an object under construction. A couple who has a second or third child from January 2018 to December 2022 can apply for a loan. Like previous lenders, Rosselkhozbank issues loans for a maximum of 30 years.
When buying housing in a multi-storey building under a sale/share construction agreement, the borrower will be forced to pay 15%. The same applies to the purchase of a townhouse, land. If a bank client needs to apply for a mortgage on a private house with a plot, the down payment will be at least 25%, and the purchase of apartments requires a 30% deposit. Property insurance is mandatory.
The borrower is a Russian citizen over the age of 21. The upper age limit is 75 years, provided that the elderly person attracts a co-borrower no older than 65. Registration must be on the territory of the Russian Federation at the place of residence/stay. If the client does not maintain private household plots, his experience cannot be less than six months (from the last place of work) and 12 months (general). The list of documents is standard.
Is it possible to apply for a mortgage in URALSIB for housing under construction
Loan program | Sum | Term | Bid | Initial payment |
Finished housing | up to 50,000,000 rubles | up to 30 years | from 9.70% per annum | from 15% |
Purchase of an object at the construction stage | up to 50,000,000 rubles | up to 30 years | from 9.20% per annum | from 10% |
Family mortgage | up to 12,000,000 rubles | up to 30 years | from 5% per annum | from 20% |
Mortgage holidays | up to 50,000,000 rubles | up to 30 years | from 10.50% per annum | from 20% |
Loan secured by existing real estate | up to 50,000,000 rubles | up to 30 years | from 11.25% per annum | - |
military mortgage | up to 2,963,000 rubles | up to 20 years | from 10.25% per annum | - |
A loan secured by an apartment for any needs | up to 6,000,000 rubles | up to 15 years | from 11.25% per annum | - |
Product description
To become the owner of an individual residential building, apartment, you can contact URALSIB. This bank presents to our attention at least 7 mortgage programs, including refinancing. Of course, URALSIB partner clients have more attractive conditions. For housing under construction, he set a rate of 9.20% per year. Taking out a loan for real estate that is just being built is as easy as getting a mortgage on an apartment.
First, you select the necessary object, determine the terms of the loan that will suit you. Then you submit an application, the response to which is received on average in 3 days. Next, you should conclude an agreement with the bank and, ultimately, obtain a certificate of ownership. The borrower is credited for 3-30 years. You can get a mortgage in the amount of 300 thousand to 50 million rubles, the final is determined based on the level of income of the client.
The minimum initial payment - from 10%. The most expensive is a loan issued for any purpose secured by an apartment. You have to pay for it from 11.25% per annum. The family is invited to apply for a mortgage under a special program, which is valid if the spouses have 3 underage child. Then the deposit will be 20% of the property price.
The property to be purchased will be collateral. URALSIB also got a mortgage on 2 documents: a passport, a driver's license (they can be replaced with a foreign passport, SNILS, TIN). The size of the initial deposit will be at least 40%, and for all clients, regardless of category. Such conditions apply to the purchase of a new apartment (primary market).
Requirements for the borrower: Russian citizenship, age within 18-70 years. The length of service must exceed 3 months, and the life of the company in which the person works must be more than a year. URALSIB also offers to issue insurance products.
On a note
The most difficult thing is to get a mortgage for private entrepreneurs and people who receive a salary “in an envelope”. The ideal borrower is considered to be a person with an impeccable credit history, who has enough income to fulfill debt obligations, whose financial discipline easy to evaluate. This is a man of 30-35 years old, having a family, children, higher education and labor activity in the position of a middle manager or a specialist.
At the same time, the loan amount that he requests from the bank varies in the range of 2-3 million rubles. Value own funds, intended to be paid as a down payment, is about 20-30% of the property value. But individual entrepreneurs and people belonging to other categories of clients can also apply for a mortgage. Just in their case, you will have to provide the lender with a larger package of documents.
3 best bank where you can get a loan without a down payment
Responsible for current loan conditions, text editing and graphic design: Alexander Ovcharenko
To select a mortgage, fill out a free application.
You will immediately receive a list with the best bank offers. You will be able to pick
for yourself the best way, and send an application to the bank of interest.
Online application for a mortgage is quite different from offline contacting a specific bank. However, the advantage of such a mortgage is that there is no need to visit the lender. The application is submitted via the Internet.
Benefits of online application
- Is free: free application submission
- Conveniently: your request will be received big banks Russia
- Time saving: The application is submitted online, no need to go to the bank.
- Profitable terms: selection of the most best offers banks.
- Quickly: within a minute you will get the result.
How to apply for a mortgage loan online?
Applying for a mortgage online is now a breeze. In this case, you do not need to visit a bank branch. In addition, you can remotely conclude a loan agreement on the best terms. We invite you to fill out an application and receive a personal offer by mail in just a couple of minutes. For this you will need:
- Select your city of residence.
- Fill in the fields full name, date of birth, registration address, passport details, mobile phone number and email.
- Read the offer and submit your application for consideration.
The selection of offers will be carried out on the basis of the personal data you provide and information from your credit history.
What should you pay attention to when choosing a mortgage offer?
In order to choose a truly advantageous offer for mortgage lending, it is important to take into account many different points:
- The size of the annual interest rate;
- Availability of the first installment;
- The currency in which the mortgage is issued;
- Credit term.
It is quite possible to choose a profitable banking program if you apply for a mortgage in several banks. It seems that everything is simple - give and choose the best option. In fact, this method of obtaining a loan is fraught with many pitfalls that you should definitely consider.
In this article, we will consider them, and also describe services that offer to send applications to several financial institutions, we will analyze whether it is possible to take a second mortgage by paying off the first one, what points to pay attention to when choosing a bank.
Why not? After all, the developers themselves offer a similar service. For example, an application for a mortgage in several banks is made out on the website of a large Moscow developer PIK Group. A person is only required to come to their office, and they will do the rest themselves:
- Will pick up the best program mortgage lending.
- They will provide an estimate of payments.
- They will help you apply for a loan.
- Send it to partner banks.
- The transaction will be carried out in accordance with the selected program.
There is no need to pay for the service itself.
Some people still hesitate to submit multiple applications at the same time. The reason is simple - all applications, approved and unapproved, are recorded in the credit history, and, therefore, may arouse suspicion among banks. The chances of obtaining a loan, in their opinion, in this case are reduced.
Indeed, before approving an application, banks request a CI, and it reflects all previous client requests to other financial and credit organizations, including approved but unused applications. But in reality, everything is not so scary:
- applications are stored in CI for only 5 days;
- in case of refusal, the information does not always have time to reach another bank.
Therefore, an application for a mortgage in all banks is an idea that is quite expedient and wise.
In addition, mortgage brokers will greatly facilitate the filing of documents. The mediation service between the client and the bank is new, but has already become popular with many property buyers. It greatly simplifies the paperwork process and helps to reduce the time for loan approval. And the banks themselves are more willing to agree to proposals that come from their partners.
What to look for when applying for a mortgage. Preparation of documents
Before applying to the bank online for a mortgage, you need to consider the upcoming additional costs. The following types of expenses are expected:
- Mortgage insurance. This includes property insurance (from 0.15 to 0.3%), life and health insurance (0.39%), property rights to purchased real estate (0.21%, only for housing on the secondary market). You need to understand that property insurance is mandatory, this is prescribed in the Federal Law No. 102 of 07/16/1998. The rest are voluntary. However, if you refuse them, the bank may raise the interest rate on the loan by 1 or 1.5 points. It can also increase if the client refuses to renew the contract with the insurance company every year.
- Bank commissions. They can be charged for issuing certificates, for considering an application, for processing documents, for removing encumbrances on a mortgage, and even for crediting payments on a loan. Therefore, all these questions need to be clarified in advance before applying to the bank. Some fees are prohibited by law, such as application processing and loan disbursement fees, others, such as a one-time payment, remain the most common and can range from 1 to 4% of the loan amount.
- Independent real estate appraisal. It is carried out by the client himself, for the procedure you will have to pay about 4,000 rubles.
Today, applications can be submitted both at the office and at personal account bank internet portal. The procedure is simple: an online application is filled out and sent to the bank manager. Then a bank specialist contacts a potential client and discusses the conditions for further interaction. Required package documents are sent to in electronic format, without leaving home. Of the documents usually require:
- a copy of the work book certified by the employer;
- all scanned pages of the passport;
- certificate of income (according to a bank form, or 2-personal income tax).
When choosing a suitable bank, you will need to focus on three parameters: down payment, rate, monthly payment. Let's take a closer look:
- initial payment amount. For those clients who can pay half or more of the cost of the acquired property, it is wiser to give preference to programs with a preferential interest rate. If there is little money, then the best option would be mortgage program with additional security, which can be another house or apartment, a car.
- interest rate. Well, everything is clear here - the lower the rate, the better. Some banks are ready to reduce the percentage by several points for certain categories of customers, for example, those who receive a salary on their card.
- Monthly payment. It should not exceed 40% of the income received by the borrower. If the income is small, then it would be wiser to increase the loan term.
In addition, you need to make sure that the borrower meets the requirements of the bank regarding age, work experience, registration and others.
Can I get a second mortgage? Practice
Take out a second mortgage? What for? Pay off first! So many say, in fact, there are people who take not only the second, but also the third and even the fifth mortgage. Recently, the story of blogger Svetlana Shishkova appeared on the network. She and her husband took 4 mortgages in 6 years, they successfully repaid three of them and in the future they will receive a fifth. Now they own two apartments in Moscow and in the Moscow region and know all the nuances of the procedure and how to get a second mortgage without paying off the first one.
Therefore, the answer to the question “is it possible to take a second mortgage?” - unambiguously affirmative, banks provide such an opportunity, however, not all. The larger the entry fee (at least 15%), the more offers from financial institutions and the chances of approval of the application
People take out loans in different ways:
- extinguish the initial debt ahead of schedule, then take a new one;
- leave the old and take the new;
- sometimes future borrowers, not having enough money for a down payment, before taking a second mortgage, offer the bank an apartment as collateral, the loan for which is 90% repaid. With all the attractiveness of such an offer for themselves, not many banks agree to this, considering the deal to be risky;
- then the last option remains: borrowers sell an apartment not free from collateral and use this money to pay off the debt, and use the remaining funds as a down payment when buying a second apartment. This option is also reluctantly considered by bankers and the failure rate is high. And even if the decision is in the affirmative, they can request 1% of the remaining outstanding loan.
When deciding whether or not to issue a second mortgage to a client, banks apply three criteria to him:
- the size and stability of income - it must be 2 times more than monthly mortgage payments;
- good credit history;
- good quality characteristics collateral real estate.
At the same time, it is more convenient to take a second loan where the first one was issued.
V different banks different loan terms. For example, you can take a second mortgage at Sberbank with the involvement maternity capital as a down payment.
Many military people are interested in the question of whether it is possible to take a mortgage a second time. The law does not limit the number of participations in the program military mortgage. However, before applying, the borrower will need to pay off the loan for the first apartment. This can be done either with your own accumulated funds, or with money from the sold apartment.
Universal application for a mortgage in several banks
Many intermediaries between the financial institution and the borrower have appeared on the mortgage market. They create Internet services that quickly and without problems make an online application for a mortgage to all banks. Consider the most popular of them.
Tinkoff Bank as a universal mortgage aggregator. Pros and cons
Users can get approval from several banks and choose the most optimal conditions for themselves mortgage service from Tinkoff Bank. The recipient of the loan simply leaves an online application on the site, and the rest of the procedures fall on the shoulders of his personal manager, who is immediately attached to him. Step by step it looks like this:
- An application is being filled.
- The service transfers it to several partner banks.
- The client chooses a suitable accommodation for him - an apartment, a room, an apartment, Vacation home, garage or other.
- The borrower compares conditions from different banks and chooses the right one.
- At the final stage, he meets with a representative of the partner bank and concludes a deal.
Questions of insurance, assessments are decided by the manager. Another significant plus is that Tinkoff Bank helps to reduce interest from its partners. And all this is completely free. So, at least, the bank itself describes the service.
The Tinkoff portal displays reviews of the service from the Banki.ru website. Even a cursory glance at them, you can see that many are satisfied with the service. There are also negative reviews, but they are much less. Here is what they write:
pros | Minuses |
Feedback from user Kortaf
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Did not like:
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broker-spb For a long time I thought about how to take a second apartment in a mortgage. Tinkoff helped a lot. Tangible assistance during registration and a full package of services without leaving home. The bank employee himself came for the originals. |
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msi.inc I liked the well-established service, reduced additionally interest rate competent and professional managers |
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Dolmatov89 I appreciated the efficiency in resolving the issue, the professionalism of managers and the reduced interest rate. |
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Ritmo
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Blitz51 I didn’t like the incompetence of the employees, the deceit, the sent payment schedule turned out to be 600 thousand rubles in error, one document or the other was constantly needed. Employees inattentively read the data of the questionnaire, and as a result, after a long red tape, the application was never approved. |
As you can see, most users are still satisfied with the service and are ready to recommend it to friends and family.
DomClick service of Sberbank of Russia with discounts for new buildings. Pros and cons
DomClick helps to purchase real estate with a mortgage. Working with the service is very simple:
- On the home page DomClick we pre-calculate the loan and choose the conditions that are acceptable to us: the type of real estate, its price, the amount of the down payment, the loan term.
- We create a personal account. You can edit previously entered conditions in it.
- Fill out the application, upload the documents and send. The application is usually considered within 2 days, but can be approved on the day the questionnaire is sent.
- After the application is approved, the borrower has 90 days to choose a home and collect all the documents. By the way, Sberbank is holding a campaign: when purchasing an apartment in new buildings accredited by the bank, the borrower is provided special conditions, one of which is low rate on interest - from 7.4%.
- Documents are uploaded in your personal account, and they are immediately sent to the bank for verification. The decision of the bank will be submitted within 5 days.
- The borrower chooses the date and time for signing the documents.
- To become the owner of real estate, the transaction must be registered with Rosreestr. It will take from 3 to 9 days.
You can order in your account back call and send a message to the operator.
Mortgages are the most complex view lending, which heavy expenses and deadlines. If you decide to take a mortgage in Moscow, you should carefully consider the choice of an offer from one of the capital's banks. Vyberu.Ru selected the most profitable programs mortgage lending and collected on one page so that you can evaluate them without wasting time searching and visiting bank branches.
Alternatively, you can apply for a mortgage online. Many Moscow banks have long offered their customers the opportunity to apply for a loan via the Internet. This greatly simplifies the process of obtaining a mortgage: you can get pre-approved for a loan while collecting the necessary documents.
To apply for a mortgage online, review the offers presented on the page and evaluate their benefits. We have provided for you the minimum amount loan, term and rate, as well as listed the benefits of each program.
Before making a decision, calculate your payment schedule with our mortgage calculator. Click on the "Detailed Calculation" button. On the page that opens, in the appropriate fields, enter the amount and term of the loan you need. In accordance with the terms of the loan, the system will calculate a payment schedule for you, which will indicate the amount of monthly installments divided by the principal debt and the amount of accrued interest.
To apply for a mortgage, click on the "Apply" button in the product card. You will be redirected to a page with a form to fill out. You will need to enter the following details:
- Personal data, passport data,
- Information about employment - the name of the organization and TIN,
- The amount of income
- credit history information,
- The parameters of the desired mortgage are the loan amount and term.
Applying for a mortgage online is the basis for a bank's preliminary mortgage decision. Before submitting an application, make sure that you meet the conditions that the bank puts forward to the borrower. You must match the age, registration, salary level, length of service, etc. All these requirements are set out in the card of each product on Vyberu.Ru. The application will be rejected if it does not match.
The completed application will be sent to the bank for consideration. An employee of the organization will contact you within 1-7 days to clarify the information, report the result of the consideration of the transaction and, if you have received approval, discuss the details of the loan and the further scheme of your actions.
What is an online mortgage application?
An online mortgage application is an online version of a standard mortgage application at a bank. You can fill it out at home or at work, from a computer or mobile device, after carefully reading the terms of the loan and thinking it over calmly. Online applications are usually processed faster than in bank branches.
How to apply online for a mortgage?
By choosing profitable loan on Vyberu.Ru, you can go to the application by clicking the "Details" button in the product card. You will be taken to the application page. There you will need to enter the amount, term and down payment of the mortgage you are interested in, as well as your personal and passport data and contacts for communication. You must also consent to the processing of data.
What is special about the online application?
Efficiency in filing and making a decision are the main features of an online application. You can keep busy with important matters: you can find a mortgage on Vyberu.ru, and apply for it right away on the bank’s website. This will save time and effort that you could spend at the bank branch. In addition, no one forbids you to change your mind - you can refuse a loan if you are no longer satisfied with the conditions or you find a better offer.
Which bank can I apply for a mortgage?
The development of Internet technologies makes banks move further, and more and more credit organizations offer their customers the opportunity to apply for a mortgage loan online, bypassing the queues. However, finding a truly profitable loan is still difficult. Vyberu.Ru will help with this. By selecting the “Online Application Opportunity” checkbox on the left side of the screen, you will receive full list mortgage products that you can apply for online.
Can I apply to all banks at once?
You can. This will increase the chances of approval of the application - if in one credit institution you will be refused, it is likely that they will approve in another. To do this, you need to go through the list and fill out a questionnaire for each proposal. If you are approved for a mortgage in several banks at once, you can refuse those banks in which the conditions, in your opinion, are less favorable.
An online application for is a questionnaire that can be filled out on the bank's website and sent via the Internet. Bank managers will process the information from the application, check credit history client, and then make a verdict. The bank's decision is communicated within a few days. Bank employees can call, write an e-mail or send an SMS message.
The necessary documents are provided to the bank after sending the loan application and receiving a response from. You can apply for a mortgage online if you leave the following data:
- information from the passport: full name, registration, series and number of the passport.
- SNILS number.
- information about marital status and family composition.
- the applicant's income and source of income.
- property information.
- the amount that the client wants to take and the planned amount of the first installment.
Banks are reluctant to lend.
You can apply for a mortgage not in one bank, but in several at once. This will increase your chances of getting a loan. Before applying, we recommend that you calculate payments using the loan calculator. You need to enter data on the loan amount, term and additional parameters. The calculator will show the amount of monthly installments and the overpayment for the loan.
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