Where the cheapest mortgage. Favorable mortgage for secondary housing
A large number of transactions for buying residential real estate in Moscow falls on the secondary market. They are particularly relevant for those who purchase accommodation for living or renting, since at the finished premises it is possible to accommodate immediately. And since many buyers do not have enough money to fully pay with sellers, banks offer a mortgage to the secondary housing of Moscow, no less actively than on new buildings.
What are the features to pay attention when making a mortgage?
Like other mortgage products, a loan for the purchase of secondary real estate in Moscow in 2019 is furnished by various conditions - both mandatory and optional. These include:
- insurance of the acquired object, as well as the life and health of the borrower;
- the ultimate age of the borrower at the date of application of the application and the planned date of repayment of debt;
- salary service (such clients are provided with a discount to the base interest rate);
- acquirement housing should not be under the encumbrances.
The specific feature of the mortgage design to the secondary housing is the requirement for the technical condition of the property. The requirements of banks to the housing purchased are divided, but the general principle is the sufficient liquidity of the object, that is, it is possible to quickly implement it. Therefore, the mortgage will not work for the Old and other problem housing.
Mortgage for secondary housing in other regions
All banks and suggestions in the regions and cities of Russia
View 8.
- Useful articles
- Answers experts for questions
- Mortgage News Summary
How to cash out maternity capital
How to legally cash the maternity capital in 2019? We will tell about 5 working methods of using Matkapali certificates.
Purchase in installments - non-bank alternative to lending
Often, the dream is not enough of the money. To take into debt among acquaintances - not the best idea, easier and faster to contact the bank. But what if the credit institution has refused a loan? In this case, the non-banking installments will help, about which we will tell in the article.
Mortgage with us and abroad
In Europe, the mortgage is available under 1-5% per annum, in the USA - 3-4%, and in Russia - between 9 and 10%. Why is this happening? Previously, the cause of the imbalance was called high inflation in Russia, but according to official data it decreases. Will our western performance achieved in the near future, read in the article.
Evolution DDU. Overview of changes in the Law on Share Construction
We decided to buy an apartment profitably and only dealt with the law on equity construction, how to introduce changes? Do not rush to tear your hair. This article contains the most important information about changes in the shareholders. Pay 10 minutes of time to navigate in the situation.
New Product
Sovcombank proposes to issue a mortgage without the initial contribution
Customers of Sovcombank were able to issue a mortgage to buy a new or "secondary" housing without an initial contribution. The maximum amount of the housing loan is 30 years old, the minimum rate is 10.9% per annum, the limit of the loan - 30 million rubles. In the framework of the Credit Program, the Client must provide
May 31, 2019.Bank discussions
Parliamentarians call a decrease in mortgage rates up to 8% real
Available mortgage, targeted social assistance and government subsidies for individual groups of borrings - these issues discussed on Tuesday deputies of the Russian Federation in parliamentary hearings, in which representatives of the Central Bank, the Ministry of Finance, Banking School and Market Experts took part on May 14, the Lower Chamber of the Russian Parliament discussed
May 17, 2019.Gazprombank offers profitable to refinance the mortgage
By the end of June of the current year, Gazprombank adopts applications for refinancing mortgage loans of third-party banks on favorable terms. The bid of the loans will be 9.5% per annum for the entire validity period of the loan agreement. The Commission for issuing funds is not charged. Assocates are issued for a period of 1 to 30 years. The minimum loan amount is
May 15, 2019.Bank discussions
ONF: Mortgage borrowers in a difficult life situation need to reduce the payment of half
The All-Russian People's Front intends to protect mortgage borrowers from the risks of default, offering to reduce the payload of at least half. This initiative was supported by the Expert Council for the Protection of Consumer Rights Finiss Under the Central Bank of the Russian Federation. The head of the ONF project "For the Right Rights" Viktor Klimov stressed that for the performance of "May
09 Nov 2018.Change rates
InterprogressBank gives a mortgage at 8.25% per annum
INTERPROGRESSBANK lowered rates on mortgage programs by 0.5 percentage points. The minimum cost of the loan for the purchase of housing under construction in the InterprogressBank is currently 8.25% per annum, mortgage on finished apartments is issued at a rate of 8.75% per annum. Special credit conditions are provided to citizens having
02 Oct 2017.Gazprombank lowered a mortgage rate on new buildings
Gazprombank announced the start of the action, within which the mortgage loan for the purchase of real estate in the new building can be obtained at a rate of 9.5% per annum. The rate acts both for the erected and already completed facilities (when buying housing from the primary owner). Military size of the mortgage loan on the observation
Aug 15, 2017.Change rates
A commercial mortgage fell into an absolute bank
Absolute bank reduced rates on mortgage programs for the purchase of machine-places and commercial real estate. In the first case, the rate is reduced to 11.5% per annum, on non-residential commercial facilities - up to 13.9%. The "Absolute Rate" option will reduce the cost of borrowed funds by another 0.5 percentage points. However, when connecting this option
July 13, 2017.Change rates
Bank "Russia" reduced mortgage rates
In the range of 1% reduced mortgage rates Bank "Russia". Now the rate of mortgage programs "New Meters" (for those who want to buy housing on the primary market) and "Affordable meters" (secondary housing market) starts from a mark of 11% per annum. The maximum period of issuing a mortgage loan is 25 years, the maximum loan amount - 15
March 7, 2017.
Underwater rocks
How to protect yourself from fraud when making a military mortgage
Military mortgage is associated with risks caused by both legal nuances of such transactions and common investment fraud. Let's figure out what to pay attention to the conclusion of the contract of sale.
Seld advice
Mortgage for foreigners
Mortgage loans in Russian banks for buying real estate in the Russian Federation are available not only by Russian, but also to foreign citizens. The article will tell about the features of mortgages for foreigners and give examples of such proposals.
Sberbank in 2017 proposes to take housing in the mortgage on favorable terms. Consumers have several options for credit programs, each of which has its own distinctive characteristics.
| Program | Rate |
| In new buildings (under the program subsidizing mortgage developers) | from% 7.4% |
| Finished real estate (in the secondary market) | from% 8.6% |
| Refinancing Mortgage of other banks | from% 9.5% |
| country estate | from% 9.5% |
| Construction of a residential building | from% 10% |
| Military mortgage | from% 9.5% |
More detailed information on the mortgage below
Mortgage in Sberbank on the primary market
Sberbank offers its customers a loan with an interest rate from 7.4%. You can arrange a mortgage agreement both on the subject and commissioned object. The choice of developer remains for the buyer:
Mortgage lending conditions on the primary market
According to the mortgage program, Sberbank customers can count on credit:
- on under construction and completed accommodation, including apartments.
- regardless of the date of delivery of the object;
- with mutual settlements through letters of credit;
Possible phased transmission of the amount required:
- The amount specified to extradition is divided into two parts. One bank lists immediately after the conclusion of the contract of shared construction, the second - no later than 24 months. From the moment of the first transfer of funds and before the signing of documents on the transfer of housing (transmission certificate).
- The date of the transfer of the second half is made in the contract of equity participation.
Details on the mortgage loan conditions can be read in the table:
| The loan is issued: | In rubles |
| You can take the amount: | From 300 thousand |
| 85% of the agreed price; 85% estimated price. |
|
| Up to 30 years (common conditions); Up to 7 years (when subsidizing). |
|
| First installment: | From 15% in granting an income certificate; From 50% without an income certificate. |
| Commission for issuing a loan: | Not |
| Loan provision: | While lendent housing is not issued in a deposit, the guarantee of the individual or the pledge of property rights may be required; If the private house is pledged, the land put on which it is located is also pledged. |
| Insurance conditions: | Under the mortgage agreement, any mortgage property, except for land, for the entire period of the mortgage is insured against risks. |
| Geography: | It is possible to issue a mortgage throughout the Russian Federation (when lending to subsidizing money is issued by the representative office of PJSC Sberbank, to which housing belongs). |
After making a positive decision, the borrower must transfer documents to the apartment for 90 calendar days.
Interest rate when lending
Sberbank makes it possible to choose from several types of borrowers:
Listed mortgage rates are valid for those who:
Mortgage in Sberbank in the secondary market
Those who wish to get a loan on the object of the secondary market bank offers programs with a bet of 8.6 percent. The mortgage agreement applies to apartments, houses, apartments, etc. Such acquisition is an excellent investment of personal savings. The conditions of the action loan are set out below in the table.
Mortgage lending conditions in the secondary market
| The loan is issued: | In rubles |
| You can take the amount: | From 300 thousand |
| Maximum issuance to a specific object: | 85% of the agreed price; 85% estimated price. |
| Maximum lending duration: | up to 30 years |
| First installment: | from 15% |
| Commission for issuing a loan: | Not |
| Loan provision: | Pledge (available or credited real estate); While credited housing is not issued in a deposit, a guarantee of individuals may be required, a deposit of property rights or any other provision If the private house is pledged, the land put on which it is located is also made in pledge |
| Insurance conditions: | Under the mortgage agreement, any mortgage property, besides land, for the entire period, the mortgage is insured against risks |
Loan interest rate
Mortgage is offered by the Bank as part of several programs with different interest rates operating from 10.08.17:
Mortgage rates are valid for those who:
- has a salary map or account in this bank;
- bought housing built with the involvement of Sberbank credit funds.
Additionally, allowances are provided:
- plus 1%, if not to make insurance of life and health;
- plus 0.5% for those who do not receive a salary to Sberbank and the card.
Additional information can be obtained in the nearest bank branch.
Other options for mortgages
Sberbank experts have developed a lot of programs that allow Russians to become housing owners on convenient conditions.
| Mortgage with the involvement of maternal capital
Available programs:
If you have decided to buy real estate on the primary / secondary market, the bank is ready to pay off the first installment and / or part of the loan due to maternal capital |
|
| Housing for young families
The standard bet is 8.7%, but an accuracy offer from 8.7 percent is available at electronic registration. |
|
| Individual Construction
If you wish to attract credit funds for construction, you can use the advantageous offer of Sberbank |
|
| country estate
The loan is available to those who want to buy a ready-made or build their own country cottage or another property object:
|
|
| Military loan
The program is designed for military personnel who are participants in a special lending program with a more advantageous reduced rate.The loan is issued to buy any real estate on the primary and secondary markets. |
|
Pluses loan at housing in Sberbank
Buying real estate, thanks to loan in Sberbank, has a lot of advantages:
- Low interest on the loan.
- A wide selection of available objects: rooms, apartments, cottages, cottages, country houses, construction sites.
- The possibility of searching for real estate on the primary and secondary market.
If the conditions of Sberbank mortgages are interested, you can preliminarily calculate the credit program using our
Content
The problem of the provision of housing of all those wishing is still acute in the state. Constantly maintaining new housing of a different price category and class. However, the income of most Russians does not allow to purchase square meters in a short time, so they should seek help to credit organizations. In which bank, it is better to take a mortgage in Moscow, each decides for himself after a thorough study of information on interest rates and the timing of the provision of loans for housing.
How to choose the right bank for mortgage lending
To begin, it should be said that there are no single conditions for housing borrowing, therefore, the exact information should be clarified by each banking organization separately. Mortgage is a type of lending, the essence of which is to transfer to the key to the acquired residential property. "Legal purity" of the real estate object will be checked, because housing loans are issued to buy squares not only in new buildings, but also in the secondary market.
Before deciding, in which bank it is best to take a mortgage, it is worth finding out if he does not cooperate with any construction organizations, because then the buyer provides additional discounts and bonuses. Shares can relate to reducing the main interest rate or increase the terms of payments, and maybe even the minimum initial fee. Not bad if the consumer machine can be included in the total income.
Mortgage rates
Interest on housing loans depends on the credit period, the value of the initial contribution and the cost of real estate. In addition, attention is paid to the loan currency, although recently they are trying to issue ruble loans due to the high risks of the non-repayment of money due to the growth of foreign currencies. All mortgage rates can be divided into three types.
Loans with a fixed rate are the most common, and there are reasons. First, the creditor always knows how much it needs to be extinguished, secondly, interest does not depend on the economic situation in the country. Floating value loans are installed with binding to a specific parameter, for example, a key (base) rate. They did not get distribution in Russian mortgage lending, as there is uncertainty at the cost of a loan in the long run.
Mortgage mortgage has widespread. Its essence is that the banking organization exists a percentage for the use of housing loan, part of which is constant, and the second depends on certain indicators. For example, it may be a national currency rate, an inflation rate or a weighted range of bank loans.
Insurance of lending and additional commissions
Additional provision in the form of insurance of the acquired property and / or life of the borrower is of great importance for the bank when issuing mortgage products. Due to this, it can be confident in reimbursement of incurred costs for force majeure situations. For the insured bonus, there is a bonus in the form of a reduced interest rate.
Amount of initial contribution
Requirements for their own borrower from each bank are different. As a rule, a minimum threshold is exhibited, and the value of the maximum is not stipulated. There is a proposal in the market with a zero requirement for the initial contribution, but this is found only by special lending programs. According to experts, experts in the emerging situation are optimal to be paid above 30%, and better than 50% under the period of lending to 10 years. According to the final overpay, this approach is considered the most efficient.
Term of granting
The period of providing a housing loan is that it has a reasonably distinguished by a mortgage from another type of consumer lending, such as Loko Bank, where you can take a loan for any purpose, including the purchase of housing, for 5-7 years. Most mortgage proposals are limited on average 20-25 years, but also this plank directly depends on the age of the borrower, which should pay the last contribution until it is a certain number of years. It is important to know than a longer period, the more overpayment amount, however, the monthly payments themselves are less.
Accrual schedule interest
For the use of the loan will have to pay money. When concluding a contract, bank employees must provide a borrower a payment schedule. There are two ways to pay interest. The first one is annuity payments. They are calculated by the special formula. Thanks to this, the monthly payment has a fixed digit. Another type of remuneration is the calculation of interest from the balance of the debt. The disadvantage of such a system is a large amount of initial contributions, which is unprofitable with long-term loan and large amounts of borrowing.
Where better to take a mortgage
Mortgage lending gives citizens the opportunity to acquire housing in the secondary and primary markets. At the decision of the decision, in which bank it is better to take a mortgage, it makes sense to analyze the proposals of construction companies and realtors, because it is sometimes possible to buy a good small apartment in a hotel room at the price of housing in a new building on the outskirts of the city. Do not forget that the borrower must have a source of permanent income, otherwise they may refuse.
For the purchase of housing on the primary market
Buying apartments in new buildings at different stages of readiness offer customers a number of organizations. When choosing, it is necessary to understand that the cost of the apartment at the "pit" stage is cheaper than the price of a square in the house, ready for settlement. In order to easily make a decision, in which bank to take a mortgage, you can pay attention to the following suggestions:
- "New building with state support" from Binbank. You can take 300,000-200,000 rubles to residents of Moscow and the region. Rates are available and start from 9.50%. When using maternal capital, the minimum initial contribution will be 10%, in all other cases - 20%. The mortgage period is 3-30 years. Consideration of documents is carried out in 1-3 business days.
- "Purchase of housing in the primary market" from VTB24. You can purchase a property under construction from 10.7%, and the loan amount is from 600,000 to 60000,000 rubles. The maximum amount of money is 30 years old, and the initial contribution is only 10% of the value of primary housing. There is a prerequisite for comprehensive insurance.
- URALSIB "Mortgage lending to acquire housing under construction". It is proposed for a period of up to 25 years to take secured by real estate from 300,000 to 500,000,000 rubles. The rate is from 10.4% with its own participation from 10%.
For secondary accommodation
If there is no time to wait for the house, and so I want to have real estate in a certain area, mortgage will come to the revenue in the secondary market, with which you can buy not only apartments, but also ready homes. Here are a few topical proposals on the credit market:
- Sberbank "Acquisition of finished housing." Credit up to 80% of the estimated value of the purchased housing. The loan can be bought from 9.5% for a period of up to 30 years. The prerequisite is the additional insurance of the property being purchased. Sberbank offers a loan for all categories of the population.
- "Credit for the purchase of an apartment in the secondary market" from Rosselkhozbank. The minimum initial contribution depends on the type of real estate and is 15-30%. The maximum amount is 30,000,000 rubles from a rate of 9.50% to 30 years.
- Raiffeisenbank "Apartment in the secondary market." It is proposed to take a mortgage to persons with a good credit history until October 260000 at a rate of 10.99%. The minimum size of the initial contribution is 15%, and the maximum loan period is 25 years.
Which bank is better to take a mortgage
Choosing where it is better to take a mortgage, it is important to pay attention to the proposals of banking structures for certain categories of borrowers. Taking advantage of special offers, such as "new building" mortgage with state support from Gazprombank, can be decently saved. It is important to understand that every percentage that can be reduced by the bid, as a result, can turn into a large amount.
For young family
The state comprehensively maintains young families in their desire to acquire their own square meters, providing subsidies and offering favorable conditions in cooperation with banks. Below you can see proposals for this category of citizens:
With state support
Housing, built using state programs, as a rule, has consumer qualities, so its cost is available for many. It is erected with the help of a mortgage housing lending agency (AHML), which is an intermediary between the needy and banks, making loans more accessible. You can seek the rating below:
For social categories of citizens
For certain categories of citizens, bank institutions offer a relatively cheap mortgage - at reduced interest rates. This applies to the employees of the budget sector - doctors, teachers, young and low-income families, people of old age. Young professionals, scientists can also take such a loan. There are special offers for them:
Military
There is a separate category of banks providing loans for the purchase of real estate for servicemen. Lending is carried out thanks to a special accumulative account, where the state accounts for a certain amount monthly. Financial institutions willingly go to lending to this category of citizens, since the warrant of return here is the state. Here are some banking organizations and interest on which you can take a military mortgage:
Bank opening | |
Gazprombank | |
Svyazbank | |
Sberbank |
For salary customers
Paying payments in a specific banking institution equated to it in a specific banking institution, the client has the right to count on preferential proposals to which mortgage lending applies. The table below shows some bank offers for their regular customers:
Which banks offer the lowest percentage
If you compare with abroad, where you can take housing loans lower than 3%, then in Moscow, and throughout Russia according to statistics 2016-2017. Interest is not so profitable, although among the whole list you can find very interesting offers with a relatively low rate. However, in addition to this value, it should be considered, whether there are additional commissions and payments in the bank. Below is the rating of banks at the lowest nominal rate:
With a minimum initial contribution
Choosing, in which bank it is easier to take a mortgage, it is important to pay attention to the initial contribution. From the number of one's own money, the interest rate can directly depend on the interest rate, but on the other hand, you can always find a bank, with the help of which you can become the owner of the housing, having a minimum amount in your hands. Here is a list of banking organizations that issue a mortgage in the presence of minor own funds:
The most profitable mortgage loan in Moscow
Those who wish to buy housing in the capital, including new Moscow there is plenty to choose from. To their services of the apartment in high-rise buildings, penthouses, apartments. Available mortgage in Moscow banks is not a myth, but quite a reality. The main thing is to pay the time to study proposals from banks to calculate the upcoming payments on the credit calculator and choose the appropriate option. Here are some decent sentences that you can pay attention to:
- "Mortgage call!" from UniCredit Bank Helps to buy an apartment in the secondary real estate market at a rate of 10.20% per annum at an initial contribution from 15%. Suitable for anyone who wishes to improve their housing conditions. Pros - it is advantageous to make a loan without additional commissions. Minus - Mandatory assessment of the apartment.
- Promsvyazbank "New Building". Up to 30000,000 rubles can be boring 10.9% per annum. The credit period reaches 25 years at the initial contribution from 10%. Mortgage appears to everyone who wants to build a new apartment, including for owners of maternal capital. The main advantage is a fixed rate for the period of granting a loan.
- Tinkoff. Online bank offers to take loans not directly, but from the bank of housing financing, Ak Bars Bank, Uralsib and other partner banks. Rates on proposals start from 8.75%. To obtain a loan, it is necessary to place an application on the website on the Internet, after which the client will be selected the optimal product, and the maximum amount is limited to the borrower's solvency. The loan is suitable for all categories of the population. From the advantages - a personal manager who collaborates with the client throughout the time of mortgage.
- Rosgosstrakh "Own apartment +". Under 11.75% in the banking organization, you can take a loan from 10,000,000 to 20000,000 rubles. The borrowing period is up to 20 years. The initial contribution from 10%. From the explicit advantages it is worth highlighting the possibility of obtaining a decision on two documents (passport and SNILS).
- Mortgage from Gazprombank.. At the rate of 10% per annum, it is proposed to place a purchase of an apartment, apartments, townhouse on the primary market. The loan is issued for up to 30 years with an initial contribution from 10%. The advantage of issuing a loan - consideration of the application in one day. Cons - an enlarged rate for non-state customers and the need to provide a certificate.
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In which bank is it better to take a mortgage? In 2018, this issue again became relevant, since the Russian economy gradually comes out of the crisis, the incomes of the population increase, and the real estate market comes to life.
Since 2015, the Russian government leads a policy of forming advantageous mortgage conditions. To begin with, the Central Bank reduced the base rate, which led to a decrease in overpayment of mortgage loans.
Another measure is the creation of special government programs, thanks to which you can take a housing loan on favorable terms.
It is only necessary to find out what bank is it better to take a mortgage, familiarize yourself with the requirements of banks and terms of design.
In which bank is it better to take a housing loan? What to pay attention to?
By asking the question, in which bank it is better to take a mortgage, you need to pay attention not only to the reputation of the bank, but also on lending parameters.These include:
1. Interest rate;
2. The size of the initial contribution;
3. term;
4. Type of payment.
The average overpayment of a housing loan varies from 9.5 to 15%. It is logical that more attractive, the rate of 9.5% looks like. And it seems clearly, in which bank is better to take a loan.
However, in practice, expenses for maintenance of a loan or for its design, as well as payment for insurance are added to it.
To find out the final amount of overpayment, you need to take on all costs. Ideally, the mortgage rate should be within 11-13% per annum.
The initial contribution is a prerequisite for making mortgages in many banks. Its minimum size is 20%.
According to a special program from Sberbank for families with children, the conditions is better - the size of the initial contribution is 10%.
It seems that it is already clear, in which bank is better to take a loan. But often the amount of the initial contribution affects the size of the bet. The more money was made to the account, the less the rate will be.
Pondering, in which bank it is better to make a loan for the purchase of real estate, consider all the listed parameters.
Mortgage is a loan that is issued for a long period of 30-50 years. At the same time, experts say it is better to make a mortgage for 10-12 years. This will reduce the amount of overpayment.
In Russia, the practice of repayment of mortgage is distributed to equal payments - an annuity scheme. She is beneficial to the bank, and the borrower.
In which bank is it better to take a housing loan? Top 5.
1. Sberbank;2. "VTB 24";
3. "Tinkoff";
4. "BINBANK";
5. "Rosselkhozbank".
Sberbank
According to statistics, the question is, in which bank it is better to take a mortgage, every third Russian states firmly - in Sberbank.The largest bank of the country is indeed considered a leader in issuing housing loans. According to the results of March 2017, the total amount of loans issued to buy apartments and houses amounted to 167,000,000 rubles.
No wonder people, answering the question, in which bank it is better to take a loan, called Sberbank. It offers a variety of programs. The line presented 6 programs. Two of them can take special customers: young families and servicemen.
General conditions for mortgages from Sberbank:
The amount is 60-80% of the cost of housing;
Period - 30 years (20 years for NIS participants);
Rate - 9.5% (minimum).
Survived among citizens is a mortgage for the purchase of finished housing. This loan can be taken at a base rate of 10.5%. The rate of 9.5% is valid as part of a promotion for young families.
If the client does not receive salary in Sberbank, 0.5% is added to the base rate. If you refuse to voluntary life insurance, the amount of overpayment increases by another 1%.
The minimum loan amount of the program is 300,000 rubles, and the maximum is 80% of the cost of housing. You can take a mortgage for 1-30 years. The initial fee is 20%.
"VTB 24"
Bank "VTB 24" also offers Russians 6 mortgage lending programs. Here you can take a loan for new housing, secondary or to refinancing the available housing loan.Among the 6 existing programs, experts identify a mortgage for the purchase of primary real estate.
The conditions for it are as follows:
Rate - from 10.7%;
Size - 60 000 000 rubles;
Term - 30 years.
Unlike Sberbank, in VTB 24, the size of the initial contribution is only 10%. To take a loan, just leave an online application on the site.
It will be considered within 4-5 days. If the decision on it is positive, it will stay to visit the bank branch to present documents and sign an agreement.
"Tinkoff"
To the question, in which bank it is better to take a mortgage over the Internet, you can answer - "Tinkoff". He became famous for working with clients in remote mode.The bank daily makes dozens of credit cards. In this portfolio, there are 4 mortgage programs at once.
Namely:
For the purchase of primary real estate;
To buy secondary housing;
To buy a house or townhouse;
To buy a room or a share in the secondary market.
General conditions suggest the amount - 99,000,000 rubles, the loan period is 30 years, the rate is 8.75% and the initial contribution is 10%. Statistics show that most Russians turn to Tinkoff for a loan for the purchase of primary real estate. They believe that this can be better in this bank.
This is connected with a minimum initial contribution of 15% and a bet - 8.75%.
BINBANK
BINBANK - A large bank of Russia also offers several types of mortgages. Here you can take a loan for the purchase of new or secondary housing, a house or room.In which bank, citizens most often draw out a loan for housing under construction.
It can be taken on the following conditions:
Term - 3-30 years;
The initial contribution is 20% (if the maternity capital is used when making a mortgage, the size of the initial contribution is reduced to 10%);
The amount is 20,000,000 for Moscow and St. Petersburg and 10,000,000 for the rest of the regions;
The rate is 9.5%.
If the initial fee is 50%, the rate is 9.5%, at 30-49% - 9.75%, at 20-29% - 10%. In confirmation of income with the help of a certificate in the form of a financial institution, the rate increases by 0.5 percentage points. and 0.7 pp If you refuse to lose life.
If you have already decided, in which bank it is better to take a mortgage, then apply an application in the office of the bank. It increases the chances of approval.
Rosselkhozbank
Rosselkhozbank offers a common mortgage lending program. The funds taken on credit can be spent on the purchase of secondary and primary housing, a land plot or at home.Mortgage can be taken in the amount of 20,000,000 rubles for up to 30 years. The size of the initial contribution varies from 15 to 30%.
The rate is determined individually. It depends on the purpose of the credit and status of the client. The minimum rate is 9.5%, and the maximum is 12%.
When making a mortgage in Rosselkhozbank, real estate insurance is obligatory. Insurance on the life of the client is made voluntarily. If necessary, insurance costs are covered from the loan.
Based on the conditions listed above, you can determine which bank is better to take a housing loan.
What is better: mortgage or installment?
Definitely answer what is better, impossible. One citizens are more profitable to issue a long-term loan and gradually pay debt over it. Others are considering installments as the most economical.Mortgage is better suited to those who have an initial contribution and confidence in stable income. Installation is intended for citizens who can fully pay the cost of housing in 1-2 years.
By installments offer developers of residential complexes. They use a similar payment format in order to quickly sell apartments.
By buying housing in installments, you do not need to trust the words of the developer. You should register a transaction notarially, speaking all rights and obligations. This will exclude misunderstandings in the future.
If you are looking for, in which bank it is better to take a housing loan, you should not rely only at the bid. You should pay attention to the Commission and Dumping. But then you can objectively say, in which bank is better to lend.
Having learned how the bank is better to take a mortgage, once again analyze all the pros and cons of the loan, appreciate your financial opportunities, only then apply.
With the need to acquire one's own housing, everyone faces early or later. But not all of financial opportunities for the mainstream loan. You can, of course, lower your hands and continue to wander on removable apartments, and you can analyze the market of proposals and choose favorable conditions on the mortgage.
In this article we will spend a small study - where it is profitable to take and what to pay attention to to get the minimum bet.
Factors affecting the value of the mortgage:
- Credit Program (review the current stocks before contacting the base rates).
- The term of the loan (the less time, the lower the total overpayment will be. For example, the payment under the term of the loan 20 and 30 years is not very different, and the amount of overpayment varies significantly).
- Solvency (the final interest rate is determined on the basis of your solvency. If you see that the income of the family is insufficient - attract the guarantors, concerns).
In which bank is it profitable to take a mortgage?
One credit program analysis will not be enough. The choice of the bank is also worth it is thorough. First, you still have to interact with him for many more years - you need at least a reliable partner with a good reputation. If you liked the terms of registration, pay attention to the creditor rating, reviews of existing mortgages.
Secondly, the right choice of the bank may be accompanied by weight gain. As a rule, the cheapest mortgage is proposed by a salary bank - separate credit proposals are being developed for salary clients, discounts are made at rates, or simplify the requirements for registration.
The third nuance is the ability to subsidize the mortgage or obtaining a loan on preferential terms. Check out the applicable programs: "Young family", "state support", etc. - If you pass one of the programs, the circle of banks is automatically narrowed.
Profitable mortgage: bank offers
- Sberbank - as a leader in the mortgage lending market, the Bank offers affordable interest rates - mortgage with state support from 11.4% per annum, the purchase of finished housing for young families from 10.75%. The basic percentage on the finished housing does not exceed 12.5% \u200b\u200bper annum.
- VTB 24 - supports mortgage "with state support" at the level of 11.4%, basic loans for finished housing gives from 12.1%.
- Raiffeisenbank - loans with state support providing from 11%, apartments in new buildings - from 12.25%. Real estate here is expensive here - from 15%.
- Russian capital issues loans for housing from 11% per annum.
- Delta Credit GOTS provide a reduced rate of 10.9% per annum for "rollback" in the amount of 5.5% of the value of the real estate object.
- Binbank gives a mortgage from 11.25% to salary customers, from 11.5% - to all the rest, subject to the purchase of 3 insurance: life, title, property. Rollback for a low rate is 4%.
- Rosselkhozbank - from 10.9% (with refusal of all insurance + 7% per annum). The total cost of the loan reaches 20.499%.
- RNB provides a mortgage with state support under 11.99%, without support - 13.49%. The low rate corresponds to the condition - the initial contribution from 30%.
It is impossible to definitely say where the mortgage is cheaper - too much conventions should be considered. To understand where it is better to make a mortgage - apply for several banks and compare the proposed bets.
Do not forget that the deposit must necessarily insure - such are mortgage conditions. Where it is more profitable to take insurance, you will tell you a realtor. Insurance company must be included in the list of organizations accredited by the Bank.