What are the interest on mortgages in banks. Where is the lowest mortgage interest
Mortgages are a serious issue that requires a competent approach. You cannot come to the first convenient bank and hope for a successful outcome. Before choosing a financial institution, you need to conduct a comparative analysis between them, study the proposals of all lenders and review compliance with the criteria.
What criteria are we talking about, and which bank takes the first positions in the national rating - you can find out after reading the article. So, in which bank and where is it better to take a mortgage for secondary and primary housing?
Before you take mortgage, the borrower needs to make a list of banks that are famous for profitable loans.
Each bank must be considered according to the following criteria:
- An initial fee;
- Requirements for real estate;
- The speed of registration of a mortgage;
- Interest rate;
- List of special programs;
- Loan amount;
- The term for the loan repayment.
Lender conditions:
- Rate 12% -13.5%;
- Loan repayment period from 15 to 30 years;
- Loan in the amount of 300,000 rubles and more;
- Down payment from 20%.
A sample of filling out a mortgage application form in Sberbank can be viewed
VTB 24
The bank is famous for its reliability. Clients thank him for the speed of confirmation for the issuance of mortgages. The bank has programs for obtaining housing in new buildings; for a mortgage loan and the purchase of real estate from the secondary market; for the construction of a residential building.
Bank conditions:
- Fixed rate - 12% per year.
- Initial payment from 20%.
- Loan term - no more than 30 years.
- Loan limit - up to 90 million rubles.
Gazprombank
Offers to his client purchase real estate from the primary or secondary market; buy back the mortgaged property from the bank; take a loan for the construction of your own home; military mortgage.
Conditions under which a loan is issued:
- Contribution - from 20%.
- The minimum rate is 13%.
- Loan term - up to 30 years.
- The loan is not less than 500,000 rubles.
- The maximum amount is 45,000,000 rubles.
- An application for a loan is considered within 10 working days.
- One-time loan.
- Compulsory insurance.
Rosselkhozbank
The bank offers a program for a young family. You can buy real estate both in the primary market and in the secondary market.
Lending terms:
- Cash contribution from 15 to 20%.
- The maximum payment period is up to 30 years.
- Cash loan from 100,000 to 20,000,000 rubles.
- The application is accepted within 5 days.
- Application approval period is 90 days.
How to block bank card Sberbank, you can read
Where is it better to get a mortgage - the program of URALSIB Bank.
URALSIB
The bank promises to provide its customers with a preferential rate, but customers are not satisfied with everything.
Lending terms:
- Contribution - 20%
- The interest rate is 14.5%.
- The maximum loan is 15,000,000 rubles.
Application-questionnaire for obtaining a mortgage in URALSIB Bank is located
Now everyone has their own opinion on the question of which of the Russian banks is best to take out a mortgage in 2019, so that it is beneficial for the borrower. Someone is interested in the minimum interest, for someone the long-term prospects and location of the apartment are more important.
How to choose a mortgage program?
Today, clients are faced with a difficult choice, because every organization is trying to lure with its attractive conditions, however, its "pitfalls" are everywhere. Here are some tips for choosing the right loan.
For this you need:
- Decide what is the ultimate goal of your contact with the bank. If you need an apartment in a new building, then look for programs for under construction (primary) housing, if you looked after an apartment in a finished house, you need offers for the secondary market. There are also products for the construction or purchase of suburban real estate,
- Having decided on the goal, proceed to the search banking companies In your city. To do this, it is convenient to use such Internet portals as Banki.ru. In it you need to indicate your city of residence, then select the section "Products and Services" - "Mortgage" - "Advanced Search",
- After the system offers you a list of banks, you can sort by interest rate, loan amount, down payment. Pay close attention to the percentages, because the lower they are, the less your overpayment will be.
Remember that your final overpayment will not only depend on interest rate but also from all the additional costs that you will have to incur. Among the compulsory costs, it is worth noting the appraisal of real estate and its insurance every year that the contract will be valid.
You can opt out of personal insurance, this is an optional service that you have the right not to issue. If it is forced upon you, you have 5 working days to refuse. This rule does not apply to comprehensive insurance as in VTB.
What should you pay close attention to when choosing a bank?
Of course, on the terms offered by him:
- the value of the interest rate - it should be as low as possible in order to reduce the overpayment. Remember that on the official websites of various companies, as a rule, minimum percentages are indicated for a certain category of clients, for example, salary recipients here. If you do not belong to it, for you the% will be higher by 1-2 p.p.,
- PV size, i.e. how own funds you need to deposit. Typically, this value is at least 20% of the required amount. For example, if you are applying for 1 million rubles, then you need to deposit at least 20,000 rubles into the bank. and higher. There are programs without a down payment, they are described,
- the term of the contract, i.e. return period. The larger it is, the higher the final overpayment, but less monthly payment, and vice versa. Here it is up to you to decide what is more important for you at this stage,
- all additional expenses, for example, one-time commissions for opening an account, renting a safety deposit box, commission for reducing%, etc.
- opportunity early repayment without a moratorium and commissions,
- the ability to attract funds from the parent capital and other government subsidies.
If an apartment is needed for a young family.
You can use preferential programs, for example, from Sberbank of Russia. Here, customers under the age of 35 will be offered special conditions:
- minimum rate from 8.6% per year,
- a small down payment of 15% of the loan amount,
- as well as a long lending period of up to 30 years.
The term for consideration of the application is from 2 to 5 days, the minimum percentage can be obtained only when buying a home under the "Showcase" promotion on the Dom.click website. Learn more in this article.
Please note that this offer is a private share from Sberbank, which has nothing to do with government programs. You do not need to prove the need here, you can own another home, i.e. absolutely anyone who meets the requirements of the bank can take advantage of this promotion.
There is also a special state program, which does not imply special lending conditions, but the provision of monetary compensation for buying a home. Its size will depend on the region of residence and family composition, detailed conditions are described.
This program is the most in demand now, as it allows families with two or more children to purchase their own housing on favorable terms... The state partially subsidizes the interest rate, and the borrower will need to pay only 6% per year, the rest is taken over by the state.
What conditions:
- purchase of housing in the primary market (house or apartment),
- availability of a down payment of at least 20%,
- maximum amount - up to 3 million, in Moscow, Moscow region and St. Petersburg up to 8 million,
- compulsory registration of comprehensive insurance.
It is noteworthy that the subsidy is not valid for the entire period of the contract, but only 3 years if the second baby was born, and 5 years if the third was born. They can be obtained sequentially.
Where the lowest percentages apply:
Bank | Loan amount, rub. | Minimum rate, per annum |
From 100.000 | From 3% | |
Up to 20.000.000 | From 5.15% | |
Up to 45.000.000 | From 5.4% | |
From 400.000 | From 6.9% | |
Up to 35.000.000 | From 7% | |
Up to 10.000.000 | From 7% | |
Up to 20.000.000 | From 7% |
If the client belongs to the social categories of citizens
If you belong to the category of military personnel and are a member of the NIS
For such borrowers, there is also a special offer for lending at a rate of 10.9% per annum. It is being implemented.
It doesn't matter what exactly the reason prompts you to consider whether to take out a mortgage. You may be planning to get married but do not yet own your own home. Or a replenishment is expected in the family, and the future offspring needs a separate room. The decision to take out a loan should be taken carefully. It is important to calculate your ability to repay debt as accurately as the bank's experts do.
What expenses will be associated with a mortgage?
Formulate the question this way, because the cost of a loan includes not only the interest rate, but also a number of mandatory payments:
- payment for real estate appraisal (if it needs to be done),
- insurance premiums,
- state fee in registration chamber.
Before getting a mortgage, it is best to make a forecast of what costs will be incurred and from what sources you will pay off your obligations. This will help you decide whether to take out a mortgage now.
How much money do you need to pay the down payment
Banks, as a rule, do not give home loans on the basis of payment of the full price of real estate only with credit funds. Part of the cost of the house or apartment will need to be paid from your pocket.
The minimum amount of the down payment varies depending on which bank you are applying for a mortgage and under which lending program. For example, in Sberbank, when receiving a loan, you will need to pay yourself at least 20% of the cost of a house or apartment. Necessary an initial fee in PJSC "Bank" VTB "" when paying for finished housing is 15%, and when registering a mortgage with state support for the acquisition of space under construction - 20%. While waiting for a loan from Otkritie Bank, prepare at least 30% of the price of a house or apartment. In "Alfa-Bank" the initial payment for the purchase of finished real estate is 15%, and upon the purchase of under construction square meters- from 30%. Rosselkhozbank will need to pay at least 15% of the price for finished housing and at least 20% for housing under construction.
Think about whether you have such an amount now. Maybe it is worth postponing the deal for a few months in order to raise money? If you are planning to borrow the funds needed for a down payment from individuals, consider how realistic it will be to pay off two debts at the same time.
When you have enough money
If an amount “warms up” in the family wallet, which significantly exceeds the minimum initial payment that banks require, do not rush to give it away immediately as payment for future housing. First, check with your loan manager how the interest rate and the amount of monthly obligations will depend on the share of the property price that you pay yourself. The higher the initial payment, the lower the cost of the loan as a percentage per annum. But this proportion stops working when your own share exceeds 50% of the price of the house or apartment. If the initial payment is 80 or even 90%, the rate is set exactly the same as in the case of paying 50% of the property price.
Think also about the fact that if you direct all available funds at once to buy a home, then a little later you may not be left. free money for repairs. Therefore, sometimes it is more profitable to make minimum contribution and "put in the piggy bank" a larger amount of rubles, thus dividing the cost of purchasing housing into small monthly shares.
When the purchased property can be paid entirely with bank funds
A mortgage without a down payment can be issued in the following cases:
- You receive a loan for the purchase of housing secured by the existing real estate. Such a program, in particular, is offered by Rosselkhozbank JSC. The loan is issued in an amount not exceeding 70% market value real estate pledged. Financing term - up to 30 years. Interest rates - from 14 to 16% per annum, depending on the term. A discount of 0.5 percentage points is provided to salary clients. The premium of 3.5% is established for borrowers who have refused life and health insurance. There is no commission for issuing a loan.
- You own liquid property, such as a car, that more than covers the loan amount with its value. In this case, the value is pledged.
- You have become a happy parent of two or more children, you have a certificate for maternal capital... In this case, the initial contribution will be paid not in money, but a government subsidy.
- You do not receive a classic mortgage, but a loan for the purpose of refinancing a previously taken home loan.
Monthly payment
This expense item will become compulsory for the family for the entire loan term, which is usually 15 to 30 years. Most of the monthly payment, which is offensive, goes not to reduce the amount of the principal debt, but to close the interest obligations.
When consulting a loan manager, ask yourself no longer about the rate, but about the amount of the monthly payment. The website of each bank contains mortgage calculator... It will help you determine the approximate amount that you will pay monthly to the lender's cashier. The program will also show the approximate amount of the loan overpayment.
However, don't expect precision from a calculator. Firstly, it will not show the sum of all commission payments. Secondly, it will not reflect the cost of real estate appraisal, registration fees, insurance payments. Thirdly, you yourself, without consulting a credit manager, will not know the exact interest rate in advance.
However, a mortgage calculator will help you figure out what approximately the amount of personal funds you will have to part with every 30 days. This information will allow you to decide whether it is worth taking out a mortgage now.
Insurance costs
Studying the offers of banks for lending, clarify whether insurance is required for a mortgage and, if so, what kind of policies you will have to issue.
Insurance of the pledged item is compulsory by law. If you do not agree to issue a policy, you will be denied a loan. If the insurance is not promptly renewed while the loan agreement is in effect, the creditor bank may ask for a fine. Much less often, but there were cases when financial organizations judicially sought early return loans due to non-fulfillment by the borrower of the terms of the contract.
The situation is somewhat different with life and health insurance. Banks do not require mandatory compliance with this condition. However, interest rates without a policy are higher, as the bank's risks increase.
JSC Rosselkhozbank sets a premium of 3.5 percentage points for non-life and health insurance. Sberbank of the Russian Federation and PJSC "VTB-24" spare their clients: the rise in prices for the absence of a policy is only 1 percentage point.
Otkritie Bank offers borrowers to insure not only life (health), but also title, that is, the risk of loss of ownership of the purchased property. For the absence of each of the policies, the premium is 2 percentage points.
When a little bit is missing
For our country, a situation is typical when the whole world is saving money for an apartment for a young couple with a child. Parents of husband and wife, grandmothers, grandfathers, aunts, uncles participate in the pooling. By joint efforts, an amount is often collected, sufficient for full payment the cost of a house or apartment. However, you can still decide to take Housing loan, as in the near future money will be needed for repairs, and consumer loans are issued at higher rates.
Many believe that in this case, a mortgage for a year will be the cheapest. But this is not entirely true. It is more profitable to take the same amount required for apartment renovation for a longer period - 5 or 10 years. At the same time, the value of the interest rate will not change, and the monthly payment will decrease due to a more lenient distribution of payments. In Sberbank of the Russian Federation, for example, the base interest rates are the same for any loan term within 10 years. However, when applying for a mortgage, be sure to make sure that you are allowed early repayment.
How to calculate the allowable loan amount for yourself
Determine how much of the monthly payment is in your family's total income. It should not exceed 30-35% of the total "net" salaries of all its members. If the mortgage payment is 40 percent or more of the family's income, then you risk spoiling credit history his own and guarantors.
You cannot take a mortgage right next to it, so that all available funds go to it. There can always be unforeseen costs associated, for example, with the need to pay for treatment or repair costs. Think about whether you can pay off your mortgage in the event that someone in the family loses a permanent source of income.
If you are afraid of being fired from your job, then when applying for a loan, try to postpone for a rainy day an amount equal to three to four monthly payments. With this precaution, you have critical situation there will be enough time to find a new duty station while maintaining an impeccable credit history. To avoid the temptation to squander the financial "safety cushion" in other directions, put cash on the deposit.
Think also about whether you have any property that can be quickly sold if necessary so that the proceeds can be used to pay off the debt on the loan. This could be, for example, a private car.
What documents to prepare for obtaining a home loan
It so happens that due to obstacles with the execution of any act or certificate, the bank does not provide a home loan. Therefore, sometimes a weighty argument when deciding whether to take a mortgage is the opportunity to collect required package documents. Check if you have all the papers you need and how easy it is to get those that are missing.
The list of documents for a mortgage includes:
- The passport.
- Inquiries about where you work and what income you receive on a monthly basis.
- Documents about the composition of the family, the presence of children.
- Passports, certificates confirming the ownership of the pledged item.
- Papers for the real estate that you are going to acquire on credit funds... This package of documents will have to be provided by the seller of the house or apartment. It includes, as a rule, a certificate of ownership, foundation documents, an extract from the register of rights to real estate, cadastral passport or registration certificate for the premises, extract from the house book.
When you shouldn't take a mortgage
It is better to postpone obtaining a home loan if:
Conclusion: if you take a mortgage, then where?
When deciding whether to take out a mortgage, consider offers from several banks. As a rule, the most convenient and economical are home loans from credit institutions with state participation. Private banks are more likely to be willing to meet customers halfway. Interest rates and commissions on credit agreements there is not much higher, and sometimes lower.
However, when contacting a small mortgage center, be careful. In the "mini" category banks, many additional payments are added to the interest rates, which customers are not informed about in advance. These can be commissions for issuing mandatory certificates, renting safe boxes.
On the other hand, small private banks that cling to customers usually provide many services for a moderate fee that greatly facilitate the transaction (consulting, drawing up documents for the sale and purchase or legal examination of ready-made ones, checking the counterparty for reliability, assistance in interacting with the registration service).
If you have decided to take out a mortgage, first of all contact the bank where you receive your salary. Most likely, this is where you will receive the most benefits and privileges.
How to choose the right mortgage for 2019? Take advantage of our advice and find your ideal mortgage on secondary housing and a new building!
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 which one is profitable mortgage for secondary housing and new buildings are 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 devalued 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 the 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 making at least a small part of your 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 is 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 still have to return the amount of the down 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 a fundamental one. But the majority of borrowers pay attention to it in the first place and do not even pick up the p calculator.
Advertisements are full of promises of low interest rates. The average size in Russia is determined by specialists 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, therefore 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 for 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 against 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’s 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 out 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, an ideal profitable mortgage looks like this:
- lending currency - ruble;
- down payment percentage - 10-15%;
- availability of preferences for mortgages;
- mortgage 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 - 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% according to 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 is 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 of 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 duty cycle 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 such mortgage programs that allow you to get mortgage loans on more favorable terms: - government support for socially significant professions.
How to choose the right mortgage
A well-chosen mortgage offer will save you headaches and save tons 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 house, 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 figure it 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.
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 megalopolises as Moscow and Saint 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 spend your whole life in rented apartments. Which bank is more profitable to take out a mortgage to buy an apartment?
Saving up 20 years to buy your own 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 real estate with a mortgage loan.
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 tons of mortgage solutions. But how not to be mistaken and make a really correct and profitable choice? Depends on what exactly it is to invest in the concept of "profitable".
Where is it more profitable to get a mortgage loan?
On the one hand, a mortgage is great way decide 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, is there a profitable mortgage at all? 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 costs.
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 complete 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. Most lending 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 that 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 program description mortgage lending there is always information about what requirements the bank puts forward to real estate. For example, not every lender agrees to issue 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 on secondary housing, are better suited.
- 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, as a rule, 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 off 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 certain categories of citizens special preferential lending terms. Most often, it is government programs and subsidies, such as "Maternity capital for mortgages", "Mortgages 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. Thus, a number of credit organizations, such as Pushkino, Admiralteisky, ITB, offer happy parents of their second and subsequent children to use maternity capital to obtain 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.