Which bank has the best mortgage? Where to get a low interest mortgage
An absolute fact: real estate prices in the Russian capital are showing a steady upward trend. Nevertheless, the needs of Muscovites and citizens who want to become one in their own housing are also growing naturally. Therefore, it is quite natural that mortgages in Moscow are gaining popularity day by day. A logical response to the growing demand in the field mortgage lending there was a variety of relevant credit programs from Moscow banks. In order to study them all and choose the best option for all the parameters presented, it takes a colossal amount of time, during which housing prices in Moscow will rise even higher. We can avoid these difficulties, save your time and, as a result, your money!
Profitable mortgage for a large amount - a reality!
If you are interested in a mortgage on an apartment, then a huge number of mortgage loans from Moscow banks. All of them differ from each other in a number of the following ways: the amount of the loan, the duration of the period for which the loan is issued, the size of the down payment, the amount of the overpayment at the mortgage rate, requirements for the borrower, and the like.
Certainly, every potential borrower wants to find one mortgage offering the most profitable terms for each of these options. In other words, the ideal mortgage in Moscow is a loan for a large amount with a minimum interest rate, issued without a down payment and without draconian requirements for the number of documents on the status of the borrower. Of course, such ideal mortgage loans do not exist (they are simply not profitable for banks), however, choosing the optimal combination of all requirements and finding the best mortgage offer for yourself is quite within the power of everyone using the site.
How does the service work?
So, the site is a large database of loans that combines all the available offers for mortgage loans in Moscow. A convenient navigation system, coupled with an intuitive interface, will allow everyone to easily select the right offer from the entire mass of banks according to the specified parameters. Thus, you yourself determine those mortgage offers that do not suit you for any reason ( high rate, a large down payment, the requirement to collect a weighty package of documents before obtaining a loan), and study only those that you really want to use. In addition to the actual mortgage offers, on our project you will find important information about the history of each of the lending banks, their reputation, the features of their loan programs, which will help you make the right decision without significant time costs.
Why choosing a mortgage from the site is so convenient?
Choosing a suitable mortgage offer for a room or apartment with the help of our service gives you the opportunity to minimize current costs when applying for a mortgage. In addition, thanks to the site, you will also benefit from the payment of a mortgage loan - choosing the most reasonable mortgage rates. Finally, with the help of our project, you will save time, which, as you know, can be successfully converted into money: if you have chosen several suitable offers for yourself, just fill out an online application for each! No extra trips to credit institutions - your presence will be required only in one bank, where you will already sign all the necessary documents for the purchase of your new home!
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Mortgage is a serious issue that requires a competent approach. You can not 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 offers of all lenders and review compliance with the criteria.
What criteria are we talking about, and which bank occupies 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 taking a mortgage loan, 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;
- Real estate requirements;
- mortgage processing speed;
- Interest rate;
- List of special programs;
- Loan amount;
- Loan repayment period.
Lender terms:
- Rate 12% -13.5%;
- Loan repayment period from 15 to 30 years;
- A loan of 300,000 rubles or more;
- Initial payment from 20%.
A sample of filling out a questionnaire for a mortgage in Sberbank can be viewed
VTB 24
The bank is famous for its reliability. Clients thank him for the speed of approval 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.
- The loan limit is up to 90 million rubles.
Gazprombank
Offers to his client purchase real estate from the primary or secondary market; buy mortgaged property from the bank; take out a loan to build your own home; military mortgage.
Conditions under which the loan is issued:
- Contribution - from 20%.
- Minimum bet - 13%.
- Loan term - up to 30 years.
- Loan 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 young families. 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 repayment term 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 not all customers are satisfied.
Lending terms:
- Fee - 20%
- Interest rate - 14.5%.
- The maximum loan is 15,000,000 rubles.
An application form for obtaining a mortgage at URALSIB Bank is located
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July 11, 2017
One of the main tasks set by the citizens of the Russian Federation is the solution of the housing problem. The cost of real estate in the primary and secondary market is constantly growing, this is especially noticeable in major cities. And about such megacities as Moscow and Saint Petersburg, it's not even worth mentioning, here prices for only one square meter of housing reach astronomical indicators. But you still need to acquire your own real estate someday, you don’t have to hang around in rented apartments all your life. Which bank is more profitable to take a mortgage to buy an apartment?
Saving up for 20 years to buy your own home is a very difficult and time-consuming task, and taking into account the fact that real estate becomes more expensive every year, it is also useless, because in 10-15 years the amount for which you could buy an apartment today , can only suffice 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.
With the development of mortgage offers in banks, the proportion of people who can afford to purchase housing has increased. Today, banks offer various types of mortgage programs for their potential clients. Since a mortgage involves a long-term business relationship between a credit institution and a borrower, the solution of the problem of where to get a mortgage should be taken with great attention and responsibility.
The decision you make largely determines how convenient and profitable it will be for you to pay for a mortgage loan. Therefore, the borrower has a completely logical question: "Where is it profitable to get a mortgage?". Russian banks offer a variety of mortgage solutions. But how not to make a mistake and make a really right and profitable choice? It depends on what exactly you mean by "profitable".
Where is the best place to get a mortgage?
On the one hand, mortgages are great way solve housing issue However, on the other hand, this is a very responsible step that imposes a lot of encumbrances 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 a loan for a mortgage, you will not only not lose money, but you can also earn money by 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 get a mortgage, does it exist at all profitable mortgage? These issues are especially relevant in large cities, where banks have a lot of potential customers, and competition between lenders and even between consultants in the same bank is quite high. Therefore, it is important to choose the institution with which it will be better and more profitable for you to cooperate.
Where is the best place to get a mortgage? The concept of the word “beneficial” is different for everyone. For example, for someone it is more important to quickly repay the loan so as not to overpay interest. For such borrowers, it is better to take Housing loan at a bank that offers the lowest interest rate. However, it should be said that all mortgage programs provide for the so-called "annuity debt repayment option". This means that the real interest rate on the loan will be slightly higher than in advertising. Do not forget about the various bank commissions, state registration insurance and other related expenses.
Therefore, having decided to take a mortgage, at the same time 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 a mortgage, loan and other agreements. Only after a full calculation is it worth considering whether to take a loan from this bank or look for a better offer.
What to look for when choosing a bank?
There are many significant conditions that should be considered when choosing a creditor bank. When deciding which financial institution to take a mortgage, 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 a mortgage with a 10% down payment. Majority credit organizations offer a down payment rate of 20% of the value of the property. And some financial institutions generally require a 30% minimum down payment.
However, not everyone can lay out such an amount at once. Therefore, if you are limited in funds, then choose a mortgage loan from a bank with a minimum interest rate on the first installment. 10% rates can be found at Sberbank (Mortgage for a Young Family program), Petrokomerets, Admiralteisky, Globexbank, Metallinvest, etc.
- Real estate requirements is another important criterion. Since a 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 will accept the property chosen by the borrower as collateral without any problems.
In the description of the mortgage lending program, there is always information about what requirements the bank puts forward for real estate. For example, not every creditor agrees to lend 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 a secondary housing, are better suited.
- Processing 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 a 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 borrower 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 best offer for fast clearance mortgages and VTB 24.
- Size interest rate is one of the most important parameters. The interest rate on the loan determines exactly how much you have to pay each month, and how much more you will overpay in the end. We note right away: it is “followed” by advertising promising 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 increases sharply. Therefore, carefully read the contract, and it is better to choose a bank with an average interest rate: from 9% to 12% per annum. A budget option mortgages from VTB-24, Sberbank, ITB, Rosenergo.
- Special programs. Sometimes there are cases when some financial institutions offer certain categories of citizens special preferential lending conditions. Most often, this government programs and subsidies such as Mortgage Maternity Capital, Young Family Mortgage, etc. Such individuals can take out a mortgage loan with a number of benefits.
For example, Sberbank offers a reduced down payment for a young family. Finding similar preferential programs other banks can save a lot. So, a number of credit organizations such as Pushkino, Admiralteisky, ITB offer happy parents of the second and subsequent children to use maternal capital to get a mortgage. Clients who wages receive in that in bank in which wish to issue a mortgage.
- Loan amount and term. Although the amount of the loan is not the main priority when choosing a lender, this parameter will affect the decision of the borrower if the size of his savings is very limited. The term of the loan is, of course, very important, because the longer the term, the easier it is to repay the loan, because with a long term, the amount monthly payments noticeably lower than with a short one.
The following banks offer the longest loan terms: ITB, Sberbank, Eurotrust, My Bank, Rosenergo, RIB, AHML - 30 years, VTB-24, Uralsib, Admiralteisky - 20 years. It should be noted that a longer loan term increases the amount of the final overpayment.