Where to get a mortgage for a low percentage

Good day, dear readers. Here I agree with the opinion that my roof above the head is very cool.

When you do not need to share the living space with different companions on removable apartments. What am I so?

Cute married couple came to us today. They decided to design a mortgage, because for ten years they are in rental housing.

For them now the most relevant question is one: where to get a mortgage for a low percentage? They dismantled with them the most relevant and decent offers on the market.

When going to take a mortgage, everyone expects to find a bank with the smallest interest rate, not only to be able to lead a normal lifestyle without infringe upon himself and their family in the most needed, but, of course, to pay less.

Mortgage under a low percentage in Russia is almost impossible, at least, because no bank will issue a loan with interest rate lower than the refinancing rate at the Central Bank. And yet do not despair. There are a number of nuances, with which you can achieve a decrease in the interest rate level.

Mortgage under low percentage

The amount of interest rate upon receipt of the mortgage loan, directly depends on the initial contribution. So, for example, if the borrower has at least a half of the cost of real estate, and even more, when this amount is making this amount as an initial contribution, the interest rate on the mortgage can be reduced.

In some banks, the rate can be reduced by almost 3%, if the initial contribution amounted to 70% or more of the cost of purchased housing.

If you do not hurry with the acquisition of housing, then before taking a mortgage loan, it is worth having to wait and try to collect as much as possible for the initial contribution. Try to postpone the issue of the loan, if additional income is scheduled, different bonuses and even increase in salary.

Little loan period

Get a low percentage of mortgage, it is also possible in the case of the smallest loan period. That is, if at the time of registration of the loan, the borrower makes a minimal initial contribution, but at the same time plans to repay a loan for 5-7 years, then the interest rate can also be reduced.

Not so much, of course, as in the case of a big initial contribution, but still. The only minus in this situation is to reduce the credit period, monthly payments increase significantly, therefore, not everyone can afford it due to the fact that income will not correspond to the minimum salary for the mortgage.

Positive credit history

For banks is an important point - the reliability of the borrower. If you have previously taken loans that weave early, it was regularly paid for a monthly loan rate, then in this case the bank creditor can go to the meeting and offer a slightly understated interest on the loan.

The weighty advantage will have such positive history directly in the bank where you plan to get a mortgage loan.

Liquid real estate

As a rule, banks pay great attention to real estate that the borrower involves buy. The lender can offer a lower mortgage percentage, in the event of the acquisition of liquid real estate with the presence of a property certificate.

A warning!

Such real estate includes housing purchased in the secondary market, as well as apartments in new buildings. If the property purchased is in the construction process and it is not yet issued by the right of ownership, it means that it cannot be transferred to the deposit.

This will serve as a reason for increasing interest rates, rather than a decrease as you would like. Also, private houses and cottages have the smallest liquidity.

Confirmation of income

Increase your reliability in the eyes of the lender and reduce the percentage by 0.5-1% will help the provision of 2-NDFL reference, thereby confirming your stable income.

You can also count on a small discount in the interest rate, in the event that your employer company is among the corporate clients of the bank, and you get a salary directly in the bank bank.

Mortgage in an experienced bank

The lowest percentage can be tried to get in a bank specializing in mortgage lending for quite a long time. Usually, in addition to the initially low percentage, such banks offer various programs, among which you can choose the most appropriate you.

It is also worth paying attention to small banks, the percentage in which is always much lower than in large banks belonging to the "elite". This happens due to the fact that small banks usually do not have the necessary liquidity to maintain their own mortgage programs, so they have to work according to AHML standards.

Comprehensive insurance

By law, the insurance is obligatory in obtaining a mortgage loan, the insurance is only the property, everything else remains at the discretion of the borrower.

Attention!

But if you need a mortgage under a low percentage, it is better to make comprehensive insurance, including the same insurance of the borrower's life and working capacity, title insurance. It is indisputable that mortgage loan, even taking into account the insurance, will still cost expensive, but the rejection of one of the types of insurance may entail an increase in interest rates.

Despite all banking programs, various maneuvers to reduce interest, mortgage lending rates in Russia, continue to grow, instead of decreasing.

The answer to the question why interest rates on the mortgage abroad are much lower than we have, quite simple - a complex economic situation, the lack of long cheap money and not enough securities banking technology. Unfortunately, in the near future, a decline in mortgage percentage is impracticable.

source: http://www.ipoteka-legko.ru/polezno/nizkiy-procent-po-ipoteke.html

How to take a mortgage under the lowest percentage

After the government approved a program for subsidizing mortgage rates, many banks resumed housing lending programs.

Now you can get a loan on preferential terms under 12% per annum. Some market participants in order to stand out against the background of competitors, offer more favorable bets - for example, 11.9%. Nevertheless, some categories of citizens can save on the mortgage even more. This tells the "Komsomolskaya Pravda".

Tip!

So, we can take a preferential mortgage under 10.9% per annum by partner banks in the Mortgage Housing Agency (AHML) participating in the Housing Program for the Russian Family. A fixed rate from 10.9% is provided with an initial contribution of 50% and above and the amount of the loan to 1.5 million rubles.

If half the customer's cost of the client does not have, then the rate will be 11.5% (also with a loan amount of no more than 1.5 million rubles), but is still lower than according to the standard mortgage.

There are other nuances. The initial contribution by AHML products for the participants of the program "Housing for the Russian Family" - from 10% per annum. But if the borrower contributes less than a third of the cost of the apartment, it will be necessary to insure responsibility for the payment of loan.

Nevertheless, according to statistics, last year the average mortgage loan amount was 1.7 million rubles. That is, at the price of the apartment by 20% below the market, as well as preferential rates of the amount provided, it will be quite enough for most potential housing buyers under the HRPP program, writes "KP".

The newspaper notes that the rate of 12% for the Russian market is quite attractive: it is even not all banks in it even before the crisis. Thus, the average rate of issuing mortgage loans in December 2014 amounted to 13.2%, which is the maximum since the end of 2010. On average, in 2014, the rate of issuance of mortgage loans in rubles amounted to 12.5%.

Recall, the authorities allocated the money market for a decrease in the mortgage rate, when banks at the end of December sharply increased the cost of their mortgage proposals after increasing the key rate of the Central Bank to 17%. As a result, take a mortgage for 20-23% per annum agreed only by a rare bolt, which threatened the mortgage market and, accordingly, the construction sector.

Where to take a mortgage for a low percentage, that is, the most profitable?

What factors affect the magnitude of the percentage of mortgage? Today, many banks offer a mortgage from 10-15.5% per annum. However, this is just an advertising trick. Only citizens who pass under the program "Young Family" or other government programs or employees of the bank can be calculated at the minimum rate.

However, employees must satisfy quite a few parameters to obtain such favorable conditions. In fact, the real rate will be slightly higher. So, what does the final bet affect today? Here are the main criteria that can increase or reduce the interest rate on the mortgage, regardless of the bank:

• the presence of a salary project automatically reduces the interest rate by 1%.
• Bank employees receive a preferential interest rate, which is lower by 1%.
• Availability of collateral. Exceeding the amount of mortgage loan lowers the interest rate, since the risks of the bank decrease.
• A large initial fee can reduce the rate by 0.5%. However, it must be more than 50%.
• The provision of only passports and the second identity document increases the interest rate by 1%.
• Providing certificates of income in the form of a bank, and not in form 2-NDFL increases the interest rate in some banks by 0.5%.
• Refusal of voluntary title insurance increases a bet by 1%.

These are the main factors that may affect the cost of the loan. However, this is not all. Always at the discretion of the credit inspector remains the final reference.

What banks offer the smallest bets?

In which banks offer the smallest rates? In which bank is low interest rates? According to the Banki.ru portal today, the following banks offer minimal interest rates:

1. Rosselkhozbank. Bet from 10.5% per annum. There are several special programs that are valid in different regions. There you can make a loan from 7%.
2. Zenit Bank offers a mortgage to clients from 10%.
3. Binbank, who recently united with MDM Bank and significantly improved its position credits the population to buy housing from 10.25%.
4. In an expert, a bank can be issued a mortgage under 10.5%.
5. Bank of Yurga - gaining popularity of the bank, which has a program of 10.25%.
6. Sberbank offers customers a bid from 10.4%.
7. VTB 24 offers its customers the same rates as in Sberbank, but lending conditions are more flexible.
8. Gazprombank will help purchase accommodation from 10.8% per annum.

Thus, we see that the smallest rates of the bank Zenit. Of course, you can find much more offers. However, these are the most profitable. Remember that make up a mortgage better in a large bank, which is included in the top 100 Russian banks.

Otherwise, there is a risk of reviewing a license from the organization, which can bring chaos to customers and a number of unnecessary trials associated with the lack of planned payments, which, in fact, are not possible to make due to the incompleteness of the creditor.

Is there a danger in sentences with a minimum percentage rate?

Is there a danger in sentences with minimal interest rate? In fact, everything depends on the bank. If this is a small bank that offers a low rate to increase the client base, then it is quite risky.

Mortgage is a big loan. If the client goes to delay, the lender is obliged to freeze the entire amount of the mortgage and bring it out of assets. Thus, in connection with risky financial policies, many financial and credit institutions lost licenses. Therefore, you should not take a bank loan, which is not included in the top 100.

A warning!

As a rule, the interest rate will be increased by 2% -3%. In addition, it is impossible to forget that the salary of credit inspectors directly depends on what percentage they draw out a loan. What he is higher, the higher the earnings from a particular agreement. Therefore, it is unlikely that you will be given the most favorable conditions.

However, this is not the reason for the failure of the mortgage in these banks. The fact is that large baths are reliable creditors and it is unlikely that the force of a major situation will happen to them.

If the client's financial problems occur, the likelihood of refinancing whether the debt restructuring in large organizations is much higher. So try to lend to secure banks.

The most weighty on the mortgage market today are:

• Sberbank;
• VTB 24;
• Alfa Bank;
• Opening;
• Gazprombank;
• Raiffeisenbank;
• Rosselkhozbank;
• BINBANK.

How to get a loan with low percentages by payment?

How to get a loan with low payments? In order to get a mortgage with a minimum interest rate, it is necessary to fully meet the requirements of the bank, namely:

1. being older than 21 years and at the time of closing the loan to be no older than 60 years.
2. Have official income.
3. The experience in the last five years should be at least 1 year, and at least 6 months in the last place of work.
4. Have a positive credit history.
5. Registration in the Loan Receipt region.
6. The size of the initial contribution is from 50% to 80%.
7. Be a bank employee where you want to issue a flow, or have a salary project in this bank.

Having the right to military mortgage, the "Young Family" program or other state programs for which banks automatically provide a minimum interest rate.

General Loan Provision Terms

The general conditions for the provision of mortgage can be attributed to the following:

• lack of commissions for issuing.
• Repayment method annuity.
• The maximum term of the contract from 25 to 30 years, depending on the bank.
• The term of consideration of the application up to 10 days.

The requirement to draft a loan object or other real estate, the estimated value of which will be equivalent or exceed the cost of the acquired object. Requirement of insurance of the object of real estate and life and health of the title borrower.

Providing a full package of documents on the facility to be purchased, which includes a receipt in obtaining an initial contribution, a purchase and sale agreement or share agreement, the estimated cost of the object, the cadastral and technical passport, as well as other documents that the Bank may require individually.

Attention!

Spouse or spouse must be a default coacher.

To the specific conditions for issuing a loan can be attributed:

1. during the construction of a country individual house, money can be issued at a time or remain in a special account.

When providing documents for the payment of payment, the transaction will be implemented. Such documents are a contract, fiscal checks, acts of work performed, invoice invoices and other payment documents.
How to give the bank a package of documents from the first time?

To accurately get all the documents from the first time, it is recommended to sign up for a consultation to the credit inspector. There you know what kind of documents and when you need to provide. Also specify where they can be taken. If there are special requirements for specific documents from the bank, then it is worth take a sample.

The procedure for obtaining money

You can only get money after checking the mortgage in Rosreestre. However, they are translated into a special account on the day of the transaction. Moreover, all participants in the transaction must be present in the bank.

The most popular method of enumeration is the listing and storage of money in the bank cell. For her rent, the buyer must pay the amount established by the Bank's internal regulations.

Tip!

Also, funds can be listed on the seller's account or remain in a special account and issued by several parts. This scheme is used for the construction of a country house. In rare cases, the entire amount is issued to the customer in cash.

Thus, everyone can arrange a mortgage, but it is quite difficult to get a minimum interest rate. If you see advertising about reduced bets, understand that the average will be 2% -3% higher.

source: http://svoe.guru/ipoteka/pod-nizkij-protsent.html

Lowest mortgage percentages - list of banks

Any citizen is interested in the question of what institution he can take the most profitable mortgage loan with a low interest rate.

Each credit organization tries to provide its customers with the most profitable loan, without loss for themselves. For each citizen, the credit is beneficial that is suitable for all its requirements.

For 2017, the lowest% of the loan provides NA. In it, the minimum rate is 3% per annum. The lender can be issued a loan in the amount of 100 thousand rubles for up to 25 years. The initial contribution to the NA should be no less than 10%.

Also in Absolute it is possible to apply for the purchase of real estate from partner companies. In this credit institution, the rate begins from 10.7%. The loan is issued in the amount of about 8 million rubles.

Sberbank of Russia provides favorable conditions on the mortgage and now the network has an action to new buildings. The Bank provides special conditions for newly minted families, servicemen and maternal capital holders. Acquisition of new buildings with Sberbank is possible under the minimum percentage of 10.4% per annum.

List of banks with lowest mortgage percentages

The most advantageous mortgage offer offers a NA credit institution. It provides the ability to receive a loan to 18.5 million rubles, up to 25 years. The amount of interest rate with this loan can begin from 3 to 12%.

Mortgage under the lowest percentage is provided in the following banks:

• Rosselkhozbank. This bank offers a borrower to purchase housing under a state loan program, the rate of which begins from 9% per annum worth no more than 20 million. Loan period is 30 years;
• Delta loan. The Bank provides its customers with favorable conditions for issuing a mortgage agreement. The interest rate is 10.75% per year. The loan amount depends on the consistency of the borrower to pay and can be issued up to 600 thousand. The initial fee should be at least 20%. The amount of the loan must be returned from 5 to 25 years;
• Sberbank of Russia. The bank offers loans, ranging from 300 thousand, under the minimum percentage of 11.5% per year.

Documents for obtaining a mortgage in a bank - a list of basic documents

To get a loan, it is necessary to have the following main documents:

1. Questionnaire (application) for the issuance of a loan;
2. Certificate of identity of the Russian Federation (original);

Documents that confirm income information over the past 6 months:

• sample 2-ndfl;
• income blank in the example of the bank;
• income blank in arbitrary form;
• extract for salary.

It is necessary to provide the Bank with documents of its solvency and official employment.

Mortgage Seconder The lowest percentage where?

The lowest percentage of the re security mortgage can be obtained in the transcapitalbank. When receiving an apartment in the residential complex "Assumption Quarter", the buyer can use the program 8-8-8.

A warning!

The essence of the program is that the interest rate begins from 8% per year, in which the minimum PV is also 8%. The cash amount of the loan can be from 1 to 20 million rubles, in the return period from 3 to 25 years.

Another favorable bank for a low percentage for renewed is Timer Bank. To purchase housing in the residential complex "Watercolor" by the developer, the lender will be able to issue a loan amount of up to 90% of the initial cost of the apartment.

Rosurekank offers the purchase of an apartment at a rate of from 9.75%. Lending period from 3 to 20 years and the possibility of obtaining the amount from 500 thousand and higher.

How to make a mortgage for secondary housing under the lowest percentage - documents

In order to issue a mortgage to secondary housing under the lowest percentage, it is necessary to start searching from large banks in Russia. Documents on the secondary design refers to each bank separately, depending on the conditions of the program in which the borrower participates.

The current list of documents for all banks is as follows:

1. Certificate of identity of the Russian Federation, indicating registration. Also, the borrower can provide driver's license, passport or other documents confirming his identity;
2. The document in which solvency is indicated;
3. Document confirming official employment.

To quickly obtain a mortgage, all conditions should be followed and collect the necessary documents, observing the procedure for their design. The prerequisite for any bank is the official employment, to confirm your solvency.

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:

1. "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.
2. 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.

1. 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.
2. 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).
3. 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.

The potential borrower in finding a banking institution to obtain a loan should clearly realize what purpose he pursues when taking a mortgage program. On the agenda, there are serious financial obligations, which are taken for a long period of time, so it stands soberly to assess their capabilities. To take a mortgage on favorable terms, you need to compare bets and decide on other factors of the banking program.

What do you pay attention to when choosing a lender?

Today, leading banks of Russia offer customers mortgage programs based on similar conditions. Pay attention to the following factors:

• A period calculated on loan payments - from year to 50 years;
• The minimum age of the borrower is 21 years;
• The maximum mortgage loan size is up to 85% of the value of the property being purchased;
• The initial contribution is from 10% to 50%;
• Interest rate size - from 9.1%.

Each Bank has the right to develop and present its requirements for the size and type of pledge, characteristics of the borrower (work experience, registration, marital status), etc.

Determine the best offer

When you make a choice in favor of this or that creditor, remember that all listed factors are able to influence not only the final interest rate, but also whether the credit will be issued to you in principle.

To decide on the best mortgage offer, follow:

• Explore all mortgage programs from large banks in your region;
• If the interest rate seems extremely attractive due to low cost, keep in mind that the bank officially denotes the lower bar. When making an application, depending on your characteristics and set of total conditions, the amount of interest rate can grow significantly;
• It is possible to make a final impression and make sure the choice is possible only during the personal appeal to the banking department, after communication with the representative of the organization engaged in mortgage loans.

Issues Issues Mortgage

When consulting a mortgage specialist, try to find out the following points.:

• Is there an option for early repayment of the loan? There is a penalty penalty for such an action, because some banks provide a fine in the form of 3% of residual debt;
• Does a specific bank assumes the issuance of a loan to the borrower if the share of the monthly payout will be more than 40% of the total income of the borrower itself or the cumulative income of his family;
• What actions will take the bank if the borrower has crossed the deduction of payments on the loan for one to several months, etc.

Practice of imposing penalties due to systematic violations for mortgage payment is present in most banks. When choosing a creditor, you must learn what exactly threatens you for non-payment (intentional or involuntary).

Some banking organizations are initiated trial. If the apartment will be recovered, it may follow its further sale, and the extended amount is used to repay debt.

At the same time, the borrower has a minimum of one option: he will be offered rent housing In a specialized hotel-type facility or choose a settlement option in a housing reserve fund, intended for the mortgage customers who are insolvent.

Such conditions are not valid everywhere, therefore it is almost the first thing you should ask for a potential lender.

Additional expenses

Banks try to make a presentation of mortgage programs as transparent as possible so that the borrower does not have difficulty when choosing a creditor.

However, in practice, when taking mortgages, almost always present additional expenses, which are due to the following factors:

• If the mortgage takes the apartment from the secondary real estate market, it will be necessary to evaluate expertise. It is not free: the price for the procedure varies from three to twenty thousand rubles, depending on the qualifications of the appraiser, the requirements of the bank and the most mortgage program;
• After determining the market value of real estate, the Bank calculates its collateral value. Payments for the difference received fall on the borrower. On average, the difference will be about 15% - 20%. For example, if the apartment costs about 2 million, the bank will take about 15% from this amount (housing wear, sales costs, etc.), providing a borrower for 1.6 million. It turns out that the owner will be completed, the owner will be about 380 thousand rubles. . This amount is paid by the borrower;
• When taking a mortgage loan, be prepared for additional costs for a mandatory package of safety services. Some banks charge the interest rate for the client's refusal to acquire life and health insurance;
• Registration of certificates, documents, payment for duties is also an inevitable article of costs when taking a mortgage.

The most profitable mortgage programs for 2019

Choosing a bank bank, cannot be repelled only from whether the lowest percentage of mortgage offers. The success of the loan is influenced by many conditions described in bank programs. Currently, experts allocate the five favorites among borrowers.

Sberbank

The leading domestic lender has developed a unique program for borrowers, called "purchase of finished housing". You can briefly describe it in short by two points:

• An attractive low interest rate is from 10.5% (if the electronic registration of the transaction is executed);
• The opportunity to buy an apartment in the secondary market.

To become a member of the program, you need to take conditions of the Bank. Their list includes:

• Loaning borrower is issued in size from 300 thousand to 15 million rubles;
• The borrower can pay a mortgage for 30 years;
• The initial fee will be one fifth of the value of the residential object;
• The client needs to provide mortgage property.

On the formation of interest rateAccording to the Sberbank program, the following factors affect:

• First contribution;
• Preparedness of the borrower to gain health and life insurance;
• If the applicant is a salary client of the bank, lower rates operate for it;
• Loan terms;
• If the client provides documents confirming the source of income, it is counted positively for its credit reputation;
• Another, which determines the amount of interest rate, factor is the liquidity of the property provided on bail.

Additional advantages of the program include the absence of commission fees and a fine at early repayment. Also on the bank's website there is an online calculator that allows you to determine approximate costs for the first time.

The name of this Russian bank, in contrast to its more well-known competitors, is unlikely to earn the majority of citizens. Nevertheless, the new mortgage program proposed by them called "New Building" is a truly interesting offer. If you summarize all factors, it can be assumed that it is almost the cheapest mortgage: the borrower makes only 10% of the cost of real estate as an advance.

Other The terms of the program are:

• The client, this does not affect the formation of interest rate;
• The interest rate does not change the importance after the registration of the right to property;
• You can get a loan for the first installment at Promsvyazbank partners;
• You can use for the first contribution of maternity capital.

When making a loan, the Bank may request two guarantors.

The Bank has one of the most loyal programs for potential borrowers, named "Apartment in the secondary market."

IN conditions for issuing a loan Include:

• Lending from year to 25 years;
• As an initial contribution, 15% of the value of the immovable object is paid;
• Credit can be issued in the amount of up to 26 million;
• Credit rate size - 11.9%.

If the applicant does not agree to the purchase of personal insurance, the interest rate will grow by 0.5% - 3.2% (depending on the age of the borrower).

Raiffeisenbank's client has the right to choose:

• The method of paying a loan is a depository or transfer to the seller's account;
• When he can receive a credit amount - after signing the mortgage agreement or completing the registration of property rights.

Specialized Mortgage Bank offers customers the following conditions:

• Rate of 10.75%;
• The size of the advance - from 20%;
• The maximum loan size is 10 million.

Requirements Bank to borrowers and real estate:

• Russian citizenship;
• Accommodation in the region where there is a bzhf branch;
• The purchased apartment should be in the house with a height of at least three floors.

pros bank:

• The percentage of approved mortgage applications is 82%;
• When making a mortgage "Express +" you can get approval within 24 hours;
• It is possible to take a mortgage online and / or two documents (passport and SNILS).

Calculating the possible costs and comparing them with the advantages of the BZHF program, we can assume that this is the most profitable mortgage from the proposed (at least flexibility of conditions).

One of the most famous banks of Russia draws up a mortgage based on state support. To take a loan, it is necessary to have half the amount for the purchase of real estate. The remaining money bank lends for a percentage of 10.8%. The loan is issued for a period of 12 months to 7 years.

Others Requirements and conditions For borrowers:

• Interest rate growth by 0.5% with a decrease in the amount of the initial contribution and / or stretching the lending period;
• Loan return term - up to 30 years;
• Credit amounts from 3 to 8 million rubles for residents of the capital / St. Petersburg and regions, respectively.

One of the essential advantages of the program - if the borrower fails to insure life and health interest rate is not growing.

Output

The choice of the most profitable mortgage depends not only on the reputation and conditions put forward by the lender. You must also define some moments for yourself personally, namely:

• The presence of the amount for the initial contribution;
• The desired loan size;
• The term of payments for mortgage;
• Method of loan repayment.

Remember that acting when selection of mortgages, as when applying for a simple loan, it is impossible. I.e, you cannot contact several banks immediately, hoping to get approval in any, and then decide along the events.

Perhaps the preliminary approval you will achieve, but the further stages of the design are not suiced and require time, so you need to choose a lender carefully and without a backup plan.

Get a loan on favorable terms - the desire of each applicant. Which Bank has the most profitable mortgage in 2019? To get an answer, it is not necessary to access the credit broker or look for information yourself, it is enough to read our article.

How to get a mortgage under the minimum percentage

The lowest mortgage rate is offered on the safest transactions. Initially, creditors analyze the potential borrower and its financial capabilities, and then the object is planned to be purchased. After all, it is the real estate that will be a guarantee of the return of the funds received.

Discounts on the interest rate offer:

• when making the lifetime insurance of the title co-coacher;
• when personal accumulations make up more than 30-50% of the cost of real estate;
• when paying a special commission;
• those who are willing to conclude a mortgage agreement for the minimum term (up to 5-10 years), but payments will then be very large;
• reliable applicants with a stable official earnings;
• participants of the salary project.

The best conditions for mortgage more often receive those who are ready to provide at least 50% of the cost of housing at their own funds. Minimum rates are available to real estate buyers in new buildings implemented by the Bank's partners.

There is a chance to save through participation in preferential programs implemented with the support of the state. Such projects are available only to targeted recipients, such as public sector employees, families with children.

Where better to take a mortgage

Determining which bank is better to take a mortgage, many factors should be taken into account.

Salary customers, how those income is easy to track down and whose employers lenders checked and constantly monitors, lend on more favorable terms.

The best mortgage is not always the lowest rate. You also need to specify:

• does the bank work with the selected property type. Problems are possible with architectural monuments, with apartments, with rooms or shares in apartments, with the purchase of residential buildings, with the location of the object and the presence of infrastructure in it;
• what accompanying payments are possible when servicing a contract, for example, a commission for making a payment, for example, if there is no creditor branch in the city, for early repayment;
• what types of insurance are mandatory in addition to insurance of real estate. Some banks require concluding contractual insurance contracts. Such a policy will cost 0.2-3% of the value of the real estate object;
• it is necessary to show income, and how much the mortgage will cost, if not to confirm it, and so on.

In which bank is the most profitable mortgage

Determine where it is better to make a mortgage, and the banks themselves will help. You need to choose 2-3 most interesting offers and contact lenders implementing such programs. On the basis of the analysis of applications, the Bank will be able to say for sure how much mortgage will cost specific appeal.

Preferential program of mortgage lending

The most advantageous mortgage offers are offered according to special, preferential, programs. Such projects are available to employees of the budget sector, families with children. Some programs are implemented only in separate regions.

Rate at level 8,5% given under the term of the contract to 7 years. 7-12 years old – 8% , and with a larger period ( up to 30 years) – 10,5% .

The interest rate is determined individually. It depends on such factors as:

• the size of the initial payment;
• the consent of the borrower for insurance of his life, health;
• availability of status "Salary Customer Sberbank";
• loan terms;
• availability of documents confirming income;
• the liquidity of the property, which is provided as collateral.

• recent age - 75 years oldminimal - 21 year;
• income to confirm not necessarily;
• low percentage.

• in fact, minimal bets are available only to those who can pay most of the value of the object with personal means who are able to make large payments monthly, since the less loan period, the more you need to pay, although overpayment will ultimately be less;
• if you make an application for 2 documents, the initial contribution must be a minimum 50% ;
• the proposal is relevant only to purchase apartments in accredited facilities.

Offer VTB

VTB is the best bank for mortgage for people who are looking for suggestions with a small advance payment and thirty-year lending period.

Bankers provide loan to the following persons:

• citizenship - any;
• registration - without restrictions;
• in existing labor relations.

Benefits:

• 30 years;
• profitable credit rate - 10,1% ;
• discount in the loan price is available to those who relate to "people of business", that is, working in the budget sector;
• a small discount is given when buying housing more 65 sq.m. and participants of salary projects;
• the conditions are relevant both for new buildings and for housing in the secondary market;
• 10% ;
• minimum loan - 600 thousandMaximum - 60 million rubles.

Disadvantages:

• communicable purchase of integrated insurance, including the insurance of title and life and health;
• if a citizen has no WTB salary card, then the base rate adds 0,5% .

The cheapest mortgage

The best budget option offers Sberbank. Even with the fact that outside the promotion of the new building will cost 10.5% per annum against 10.1% in VTB, due to the requirements for the conclusion of a comprehensive insurance contract, service may become somewhat more expensive.

The bet on the finished housing at Sberbank is also higher - 10.2%. But the service, nevertheless, will cost cheaper due to the absence of a title insurance requirement.

Best Mortgage Banks

Find where the most favorable mortgage is helped by credit aggregators protruding by intermediaries between customers and banks. These include Tinkoff Bank and AHML. The latter organization works through its regional partners and is quite actively promoting all socially significant projects implemented with the support of government agencies.

Mortgage in Tinkoff Bank

Mortgage with "Tinkoff Bank" is the price of a contract from 9,7% And the term before 25 years.

• the borrower requires only a passport and a certificate of income (in the form "Tinkoff" or 2-NDFL);
• the object of the transaction can be the last room, and town house, and a residential building or cottage;
• some Russian friendly banks provide discounts to its customers;
• Tinkoff Bank cooperates with 9 banks;
• credits IP;
• the share of approval of applications is over 90%.

Tinkoff Bank works with state support programs for families: with a machinery and a family mortgage under 6%.

• all work is carried out remotely, which means a response delay at customer requests;
• the final requirements for the borrower and the purchased property, including at the minimum proportion of personal savings, can be clarified only after checking the questionnaire and obtain the consent of the partner bank for lending;
• you can evaluate the real terms of the transaction only at the stage of signing a mortgage agreement when some expenses have already been made (on the assessment, in references, and so on).

Mortgage programs from AHML

Typical offer from AHML is the rate from 10,3% Under the term of the contract 3-30 years old. The lending object is housing, acquired both on secondary and in the primary markets.

• amount - 30 000 000 rubles;
• minimum contribution - from 15% ;
• "Easy mortgage" is drawn up in 2 documents, without confirmation of earnings, but the rate increases;
• matthapital will take into account as an initial contribution, but then personal accumulations should be minimum 10% ;
• there is the possibility of binding the price of mortgage to changes in key rates;
• required work experience - from 3 months from the last employer.

The agency cooperates with the RF Military Mortgage and with the regional authorities, offering various local preferential projects of mortgage lending, as well as with a family mortgage with a grace period of up to 8 years and a rate of 6%.

• minimum amount - 500 000 rubles;
• age - 21-65 years;
• for businessmen, it is important to show at least 2 years of break-even activities.

Eastern Bank

Mortgage from "Eastern Bank" is issued at the rate of 10,5% annual. Maximum amount - 30 000 00 0 rubles for lending in Moscow, St. Petersburg and their regions, 15 000 000 rubles when contacting other regions. Minimum loan size - 500 000 rubles.

• personal savings - from 15% ;
• experience - from 6 months;
• lending to 2 documents is allowed.

• from businessmen demanded to show the break-even activity for a period of at least 24 months;
• the age of borrowers - 21-65 years;
• for the purchase of apartments is required from 30% own funds;
• failure to personal insurance leads to an increase in the rate on 0,7% ;
• the bank works through the "House" JSC (AHML).

"Bank "Saint-Petersburg"

In "St. Petersburg Bank" a mortgage loan costs from 10,25% When buying housing in a new building (the program "Mortgage from 10.25%") and from 10.5% when working in the secondary real estate market. Contracts conclude on 1-25 years old in sum 500 000 - 10 000 000 rubles.

• payments - annuity or differentiated;
• a foreign citizen can perform a coacher;
• age - 18-70 years(65 years old for women);
• general work experience - 1 year of which 4 months in the last place;
• businessmen and self-employed show at least 1 year of break-even activities;
• there is a mortgage provided by passport only;
• you can buy all types of housing, as well as machine-space.

• own savings - from 20% if the application is executed only on the passport, then independently pay the minimum 30% ;
• typical interest rate on a new building - 11% . Preferential rate B. 10,25% It applies only to objects from the LSR Group of Companies, CDS, Starlon, Polis Group, Leader Group, Petra-8, Glavstroy-SPb.

Ubrir

Ubrir gives a mortgage to the finished housing at the rate of 10,15% annual. Credit limit - 300 000 - 30 000 000 rubles.

• required experience - from 3 months in the last place with a general experience of 1 year;
• maximum age - 70 years old;
• mortgage validity period - 5, 10, 15, 20 or 25 years;
• employees of partner enterprises Ubrir will receive a discount in 0,25% from the base tariff.

Perhaps presence to 2 existing loans. Current debt is unacceptable.

• borrowers must pay for their money minimum 20 %;
• minimum age - 23 years.

Mortgage loan from Rosselkhozbank

Profitable 10% per annum, A lot of Russians are attracted, who wish to get a loan to acquire their own apartment. In Rosselkhozbank, the loan under the above interest may take applicants:

• in age from 21 years to 65 years;
• with general labor experience more than a year in the last five years;
• working in the last place of work for more than six months;
• having permanent or temporary registration in the Russian Federation.

Citizens who are owners of salary cards of Rosselkhozbank, it is necessary to provide confirmation of the semi-year employment experience over the past five years. And the last employer needs to work only three months.

DISCOUNT Bank issues on such conditions:

• amount - 100 000 - 60 000 000 rubles;
• maximum loan period - 30 years;
• minimum initial fee - 15% .

• the calculation is possible both vigorous and differentiated payments;
• the bank credits the owners of the LPH.

• the maximum loan amount is provided only when purchasing an apartment, including DD, or when purchasing apartments. On other objects will allocate not more than 2 0 000 000 rubles;
• purchasing apartments will have to pay at least 30% their costs with their own means;
• 10% annual under the contract will receive those who invest no less 3 000 000 rubles of personal savings;
• if the borrower fails / coaches from their life insurance, health interest rates will increase by 1%.

Promesvyazbank's proposal "New buildings in mortgage from 9.8%"

Mortgage program "New building in a mortgage from 9,8% "Promsvyazbank is beneficial for applicants who have practically no own money. After all, bankers agree to lend citizens if they contribute 10% of the cost of the apartment As an advance payment.

Promsvyazbank's proposal for the acquisition of housing in the mortgage contains the following items:

• rate from 9.8% per annum;
• buying an apartment in the developer, whom the bank accredited;
• maximum loan size - 20 million, and in Moscow, St. Petersburg and the Moscow region - 30 million rubles;
• maximum mortgage maturity - 25 years.

• if you purchase a new building from the Gold PSB partner developer, the contract price will decrease to 9,7% ;
• for holders of salary cards, as well as, those who work in an OPK, who uses the Orange Premium Club package, the base interest rate is equal to 9,5% ;
• promsvyazbank's partners give discounts on some objects.

• 9,8% installed in mortgage, if accommodation is bought from partners of the Platinum PSB segment;
• preferential rates are applied subject to no less 15% The cost of real estate at the expense of their money and when making life insurance.

Mortgage on a new building from Gazprombank

Gazprombank offers the program "Mortgage from the largest developers 10,5% ».

• initial installment - from 10% ;
• contract term - 1-30 years;
• maximum amount - 60 000 000 rubles when purchasing real estate in Moscow or in St. Petersburg and 45 000 000 rubles, if it is located in other cities;
• age of applicants - 20-65 years.

Matkapital is taken as an initial contribution, but personal accumulations should be at least 5% From the cost of the acquired object.

• minimum loan amount - 500 000 rubles;
• the base rate is established only when buying housing in Gazprombank's partners;
• if apartments are bought, then personal accumulations pay at least 20% their cost, and the base rate will be no less 10,8% ;
• it is not allowed to have a bad credit history.

Mortgage program from Energotransbank

In Enerkotrasbank, give a mortgage to the purchase of both the finished and housing under construction during the base rate from 9,5 %.

• credit period - up to 25 years;
• personal investments - from 10% ;
• required experience - from 6 months in the last place;
• discounts with basic bet in size 0,5% will receive participants in salary projects, employees of the budget sector and those who provided a certificate of 2-NDFL form;
• maximum age of the borrower - 70 years.

• minimum amount under the contract - 500 000 rubles;
• bank credits citizens if they have already been 23 of the year;
• it is important to accommodate and permanent registration in the Region of the Presence of ENERGOTRANSBANK;
• credit buy only apartments, townhouses and cottages.

Proposal "Raiffeisenbank"

Together with Raiffeisenbank, they also acquire new housing, and ready. Credit cost - from 9,99% .

• the highest amount is 26 000 000 rubles;
• term - 1-30 years;
• when calculating solvency, the income also takes into account the civilian spouses;
• personal funds - no less 15% ;
• the age of the applicants - 21-65 years;
• the minimum work experience is 6 months at the last place of employment with a total of 12 months. If a person has been working for more than 2 years, then the last employer has enough to be listed for 3 months.

Raiffeisenbank credits foreign citizens. The main thing is that their place of work is actually in Russia.

• minimum loan limit - 800 000 rubles for real estate in the capital or in the metropolitan region and 500 000 rubles for transactions committed in other subjects of the country;
• if not to issue a comprehensive insurance contract, then the maximum age of applicants is limited 60 years;
• it is approved by the presence of only 1 Acting mortgage loan.

"Alfa Bank"

Mortgage from Alfa-Bank is a rate of not less 10,19% . The program is designed to gain conjunction or finished housing.

• private accumulations - from 15% ;
• term - before 30 years;
• maximum amount - 50 000 000 rubles;
• salary clients "Alfa-Bank" will receive a discount in 0,3% to the base interest rate;
• possible citizenship of Russia, the Republic of Belarus, Ukraine;
• age - 21-70 years.

• minimum loan value - 600 000 rubles;
• the bet grows on 0,5% if personal means are less 20% if a residential building is bought if income is not confirmed;
• the cost of the loan in the failure of life insurance increases on 1% ;
• to the base rate will add 0,25% If the money is needed to Townhouse.

Mortgage loan for housing from the "Bank of Housing Financing"

Flexible mortgage conditions offers "Housing Financing Bank" (BZhF). Interest rate for the purchase of real estate - 10,5% .

• minimum advance payment - 20% ;
• minimum loan period - 1 yearMaximum - 30 years;
• there is the possibility of lending to 2 documents;
• loan amount from 450 thousand to 20 million rubles.

• the loan is provided exclusively to citizens of the Russian Federation;
• the apartment should be in the settlement where the BZHF department is functioning;
• in the house where the object is located, there must be a minimum of three floors.

Program of Bank "Uralsib" "Building housing"

In the bank "URALSIB", a loan can be obtained under the program "Building housing" under 10.5% per annum.

• age - 18-70 years;
• startup in the last place - 3 months;
• bank credits IP and businessmen;
• credit amount - from 300 thousand to 50 million rubles;
• loan terms - from 3 to 30 years;
• advance payment - 15%.

• it is important that the employer existed at least 1 of the year;
• if during the year more 3 Once the period of calculation under the contract, Uralsib may require the termination of the contract.

The most profitable mortgage for secondary housing

The best mortgage offers of 2019 for the purchase of finished housing are products from:

• "ENERGOTRANSBANK" with a bet of 9.5%;
• "Tinkoff" - 9.7%;
• Raiffeisenbank - 9.99%.

The most profitable mortgage on the new building

The most favorable mortgage programs for a new building are offered under:

• 8.5% - Sberbank;
• 9.5% - ENERGOTRANSBANK;
• 9.7% - Tinkoff.

The cheapest mortgage in Moscow

The best mortgage in Moscow is offered by Sberbank. This lender is ready to give a debt under 8.5% per annum when buying an apartment in the house under construction.

New buildings with cheap mortgage in Moscow

Good discount mortgage borrowers give partner developers:

• "Promsvyazbank";
• "Tinkoff";
• "Bank" St. Petersburg ".

The most profitable mortgage in St. Petersburg

The most profitable mortgage in St. Petersburg is offered Sberbank when buying housing in an accredited new building and Energotransbank, if ready accommodation is purchased.

The estimated account of Jurlitz and IP in Sberbank opens for free. For beginners there is a free package of services, for advanced businessmen and bank companies offers an extended tariff. On the conditions of servicing a cash account in Sberbank, read in the material.

Seld advice

Target mortgage for repair of a house or apartment

Conducting serious repairs in a new building or reorganization of the owned apartment (at home) requires significant financial injections. The article will tell about the mortgage to repair the house or apartment.

Seld advice

Refusal in mortgage. How to understand what is the case and achieve approval

According to the United History Bureau, in the first quarter of 2018, the Russians were approved by 75% of mortgage applications. About what to do the remaining quarters and how to achieve the favor of the bank, in our article.

Seld advice

Pension has two parts - insurance and accumulative. Find out how much has accumulated on the score, you can in several ways. More about them - in the article.

Underwater rocks

An account in a foreign bank. What reporting to pass

More and more Russians open accounts abroad. It is convenient for those who constantly live with a long time abroad, and for those who often travel. But the score in a foreign bank is not only new opportunities, but also new duties. About them and talk.

Zlokodnaya

Concept of the Central Bank for Improving Management

The Central Bank acts as a regulator not only banking, but also the insurance market. In 2019, the Central Bank announced the need to improve the investment insurance system of life. What it is and what innovations are waiting for us, tell me in the article.

• Who is better

  "Left Bank" - in the top 3 banks in growth intensity in the mortgage segment

  At the end of March, the Novosibirsk Bank Levoberezhnye took II in the renanking of domestic credit institutions "Higher Mortgage League" in terms of growth intensity in the housing lending segment. According to the Agency "Rusipotek", the Levoberezhny KB for a month managed to achieve in the mortgage segment of more than 70% of growth relative to

  May 13, 2019.

• New Product

  AK BARS Bank offers to issue an Islamic mortgage

  Ak Bars Bank has developed a new mortgage product, the conditions of which correspond to the Sharia - the sum of the legal norms and the rules of the behavior defining an Islamic lifestyle. The property is sold in installments at a price recorded for the entire validity of the mortgage agreement. Customers with bank equal payments are examined.

  May 07, 2019.

• Change rates

  Alfa-Bank gives a mortgage at a rate of 9.99%

  Alfa-Bank reduced the minimum rate on mortgage loans to purchase housing in new buildings by 0.5 percentage points - up to 9.99% per annum. A loan amount of up to 8 million rubles within the Program may issue residents of Moscow and the Moscow Region. For other regions, the limit amount is limited by the amount of 6 million rubles. Mimnal initial

  08 Apr 2019.

• Celindbank continues to issue mortgages at a rate of 9.9%

  Until the end of January next year, a mortgage loan can be issued in Celindbank from 9.9% per annum. Within the framework of the accommodation supply, loans are issued to buy a "secondary" apartment, private house-building from land, land or object in a multi-family house under construction. Funds can also be directed to refinancing

  December 29, 2018.

• 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.

• Close relations

  Minbank began issuing mortgage AHML

  Minbank concluded an agreement on cooperation with the Mortgage Housing Agency. Minbank's customers are now available to the AHML product line. The standard agency program allows you to get a mortgage loan at a rate of 9.25% per annum. Credit can be issued both on the purchase of finished housing and secured by the available property.

  01 Dec 2017.

• Change rates

  Mortgage on apartments in Rosurobank became more affordable

  Rosurobank reduced the size of the initial contribution of the mortgage program to buy apartments up to 20% of the value of the property. The change relates to both ready-made apartments and objects in the complexes under construction. The shop on the mortgage loan to buy apartments in Rosurobank is currently 10% per annum.

  Oct 09 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.