The loan on the security of real estate in Moscow allows you to get a large amount for a long time. At the same time, a bet on such consumer loans is one of the lowest. Private house, apartment, garage, land plot, townhouse and other real estate can be used as collateral. For banks, such a program bears the smallest risks for borrowers - saving overpayment and low percentage of failures.

Search for loans secured by real estate in other regions

All banks and suggestions in the regions and cities of Russia

View 8.

What else to read to choose correctly consumer credit

• Useful articles
• Answers experts for questions
• Loan News Summary

For legal entities

Payroll in Sovcombank

Banks offer various business products that include calculated cash services. Let's discern what kind of tariffs and features of the opening of the invoice for IP and legal entities are in Sovcombank.

Underwater rocks

Increased credit rates: legally or not

Interest on the loan is a patient theme, but even more borrowers concerns the issue of their change. Anxiety is most often locious, and the bank will not increase the percentage of the loan unilaterally. But from any rule there are exceptions.

Zlokodnaya

Personal inflation: Personal dimension price increase

The term "inflation" in the consciousness of many is associated with the economic situation in the country. But every person may not be realizing this explicitly, trying on the indicator on himself, especially when changing shops. The article will tell about what personal inflation is.

For legal entities

Officer's loan

If you have the need for money and lack of our own resources, we view various sources of financing. One of them is borrowing at the place of work, about whose peculiarities will tell in this article.

For legal entities

Cash Cash Services Opening

The article presents the conditions for the calculation and cash maintenance of legal entities and individual entrepreneurs. Tariff plans are indicated, the conditions for opening a settlement account, additional services.

• Consumer loans fell in Sberbank

  Within the framework of the New Year's share, Sberbank reduced rates on consumer lending programs up to 2% per annum depending on the loan parameters. The minimum cost of "fooling" in the bank is currently 11.9 percentage points. Also, the financial structure reports an increase in the limit period of issuing credit funds

  16 Nov 2018.

• RSKB launched the percentage of interest on consumer loans

  Rosselkhozbank announced the beginning of the share of consumer loans - "interest-leaf fall". The special offer applies to unsecured loans for a period of 1 year. In the framework of the Promotion, customers will be able to issue consumer loans with a discount. Rates will be: from 10.7% per annum for salary and "reliable" bank customers, as well as

  09 Nov 2018.

• Change rates

  Bank "INTEZ" reduced rates on loans for consumer purposes

  Bank "INTEZ" reduced rates under consumer lending program to 11.5% per annum. The rate is provided to customers who requested at least 1 million 500 thousand rubles from the bank and connected to the Intesa Magnifica Premium program. For other categories of borrowers, the "Pottlebam" rate is defined in 11.9%. The Inteza Mankank draws up consumer

  10 Sep 2018.

• By September 1, Severgasbank reduced consumer loans rates

  Especially by the beginning of the new school year, Severgasbank reduced the cost of loans for consumer purposes to 9.75% per annum. Employees of educational institutions can take advantage of special offers, as well as parents whose children will go to school. The size of preferential "poleba" ranges from 50 thousand to 3 million rubles. Maximum

  Aug 23, 2018.

• Bank discussions

  Akit asks to stop "Consumer Extremism"

  Buyers have learned how to benefit from purchases in online stores. The Association of Internet Commerce companies called such a behavior of "consumer extremism" and asked for help in Rospotrebnadzor. The Aquita clarifies what implies under the "consumer extremism." In a letter sent to Rospotrebnadzor under

  08 Feb 2018.

• Change rates

  Consumer loans fell in Krainvestbank

  Credit service "Budget" now allows "salary" Countries of Cyrinvestbank, working in budgetary structures, get a loan to consumer targets under 13% per annum. For the state employees who are not clients of Cyrigvestbank, the minimum loan rate is established at the level of 15% per annum. Maximum term

  21 Nov 2017.

• MetallineVestbank launched a discount share on consumer loans

  Until the end of this year, Metallinvestbank customers can get loans for consumer targets under 12.8% per annum. "Salary" banks, customers with deposit and credit history, employees of budgetary institutions can take part in the promotion. New Year's Eve started on November 7. Wash Metallinvestbank loan

  07 Nov 2017.

• SMP Bank issues consumer loans at a reduced rate

  SMP Bank offers the current mortgage clients of any bank of the Russian Federation to obtain a loan for consumer purposes at a preferential rate - under 17 percent of the annual

  18 Aug 2017.

The loan secured by real estate in the bank allows you to get cash to those who for any reason cannot provide reliable information about their income. Unofficially employed or unemployed citizens are problematic to get a loan in a bank. Financial institutions prefer to cooperate only with those clients who can confirm their income in references. Therefore, the encumbrance of real estate is often the only way to get money. Most banks provide borrowed funds secured without confirmation of income, since the burden of valuable property in itself reduces the risk of loan non-return. The real estate of the debtor's real estate, which will go to the ownership of the lender organization, compensates for financial costs. But the bank will only be interesting to those objects that, if necessary, be able to quickly implement at market value.

Requirements for real estate

However, not any real estate can be laid in the bank. So, the apartment, the house, garage or warehouse should be liquid - that is, so that they can be quickly selling, not emergency and do not require major repairs - and not having encumbrances, that is, they should not be in the pledge of other banks. In addition to standard documents, the borrower will need to provide papers confirming that it is he who has a laundered real estate.

Conditions of loans secured by real estate

If you decide to take a loan secured by real estate, you need to know which banks provide the most favorable conditions. All of them differ, however, you can select some common moments. So, getting a loan on the security of an apartment or at home is possible on amounts that do not exceed 60-80% of the price of the burdened object. The cost is assessed by professional bank appraisers for free. In addition, property will need to insure at least the most common risks - fires, floodings, natural disasters, etc. Most often, it is possible to place a loan with a pledge of real estate in large banks, with a sufficiently large volume of mortgage and consumer lending and high indicators in trust ratings.

The conditions of each bank offering a quick loan secured by real estate may differ significantly. To navigate among offers in your area and will help our financial portal.

How to choose the best loan secured by real estate

In order not to consider all the proposals from banks, but only those programs that theoretically you can approach, use the online search engine on our website.

Set the parameters in the menu on the left, specifying the size, payment period and loan currency. Below you can specify additional conditions, noting the relevant items:

• the terms of the loan (its size, currency, the period of payment, for example, a loan on the security of real estate for 20 years by 5 million rubles),
• the purpose of obtaining borrowed funds (if it is not a consumer loan),
• consideration time of the application,
• confirmation of income (if you are interested in a loan secured by real estate without confirmation of income, check the item "Not required"),
• providing a loan (it may be a loan secured by cottages, a private house, apartments, a garage, a land plot and other objects).

The page will appear a list of proposals appropriate to your requests. If you need a loan secured by real estate urgently and you want to apply online, check this item in the menu. The decision time does not depend on this option and can differ significantly from each bank. Nevertheless, there are organizations that provide a loan on the security of real estate on the day of circulation.

You will take advantage of special for preferential categories of the population, for example, loans to pensioners secured by real estate. To do this, you will need to confirm that you get social payments from the FIU or NPF. If you feel about the category of pensioners, mark the appropriate item in the loan search menu on security without revenue confirmation.

Selection of results will take literally second. The program will show currently relevant loans secured by real estate without intermediaries who offer banks in your area.

A loan in the deposit of an apartment in Moscow is a variety of secured property. You can also for the construction of another apartment on the security of the existing one. The loan is distinguished by favorable conditions, because the bank is confident: money back to it.

Features of the loan under the apartment in Moscow

The main plus credit is a low interest rate. Terms - up to 20 years. The loan amount depends on the assessment of the apartment. This is usually no more than 60 percent of the estimated value. Where to get a loan in Moscow? There will be no such question, because there are a lot of sentences. You can even get a loan on the security of a share in the apartment, but such a proposal from Moscow banks is harder.

While the debt will not be repaid, it is impossible to sell, exchange or give an apartment. Without permission of the bank, it is impossible to register anyone on the mortgage real estate.

Banks that give a loan secured by the apartment, presented real estate requirements:

• it must be located in Moscow or the Moscow region;
• should not be on demolition lists;
• the borrower is the only owner of the property;

How to make a loan?

1. You need to fill out a questionnaire for a preliminary application. This can be done both in the bank branch and online on the site. Attach documents (scanned or paper): passport, documents confirming financial consistency. This is not necessarily 2 ndfl. The conditions for the loan secured by the apartment are more loyal. Can be submitted to a bank certificate from the pension fund, the author's contract, the contract for renting real estate, etc.
2. Get bank approval on credit. Urgent application is not processed, on average - 4 days.
3. Bring documents to the bank on the mortgage object and get approval for real estate. From his pocket will have to pay the assessment of the pledge and insurance of the apartment.
4. Signing a loan agreement.
5. Registration of collateral.
6. Getting money cash or bill account.

• 1. Terms and abbreviations
  • 1.1. Personal data (PD) - any information related to directly or indirectly defined or determined by the physical person (PD subject).
  • 1.2. Processing personal data - any action (operation) or a set of actions (operations) committed using automation tools or without the use of such funds with personal data, including the collection, recording, systematization, accumulation, storage, refinement (update, change), extraction, Use, transmission (distribution, provision, access), depersonal, blocking, deleting, destruction of personal data.
  • 1.3. Automated processing of personal data - processing personal data using computing equipment.
  • 1.4. The information system of personal data (AHD) is a set of personal data contained in the databases and ensuring their processing of information technology and technical means.
  • 1.5. Personal data made by the publicly available subject of personal data - PD, the access of an unlimited circle of persons to which is provided by the subject of personal data or at his request.
  • 1.6. Blocking personal data - temporary termination of personal data processing (except when handling is necessary to clarify personal data).
  • 1.7. The destruction of personal data - actions resulting from which it becomes impossible to restore the content of personal data in the information system of personal data and (or) as a result of which material carriers are destroyed.
  • 1.8. Cookie is part of the data that is automatically located on the hard disk of the computer each time you visit the website. Thus, cookie is a unique browser identifier for the website. Cookie make it possible to store information on the server and help it easier to navigate the web space, and also allow you to analyze the site and evaluate the results. Most web browsers allow the use of cookies, however, you can change the settings for refusing to work with cookies or tracking their distribution paths. At the same time, some resources may not work correctly if cookies in the browser will be prohibited.
  • 1.9. Web markers. On certain web pages or emails, the operator can use the web marker technology distributed on the Internet (also known as "tags" or "accurate GIF technology"). Web marks help analyze the efficiency of websites, for example, by measuring the number of site visitors or the number of "clicks", made on the key positions of the site page.
  • 1.10. The operator is an organization, independently or together with other persons organizing and (or) carrying out personal data, as well as the determining personal data processing goals, the composition of personal data to be processed, actions (operations) performed with personal data.
  • 1.11. User is a user of the Internet.
  • 1.12..
• 2. General provisions
  • 2.1. This policy of processing personal data (hereinafter referred to and processing personal data and is valid for all personal data that the operator can receive from the user while using them on the Internet site.
  • 2.2. The operator protects the processed personal data from unauthorized access and disclosure, unlawful use or loss in accordance with the requirements of the Federal Law of July 27, 2006 No. 152-FZ "On Personal Data".
  • 2.3. The operator has the right to make changes to this policy. When making changes to the policy header, the date of the last update of the editorial is indicated. The new editorial office enters into force on its placement on the site, unless otherwise provided by the new editorial board.
  • 2.4. The operator must publish or otherwise ensure unlimited access to this personal data processing policy in accordance with Part 2 of Art. 18.1. FZ-152.
• 3. Personal data processing principles
  • 3.1. The processing of personal data from the operator is carried out on the basis of the following principles:
    • 3.1.1. legality and fair foundation;
    • 3.1.2. restrictions on the processing of personal data achievement of specific, predetermined and legitimate goals;
    • 3.1.3. preventing personal data processing incompatible with personal data collection purposes;
    • 3.1.4. preventing the database association containing personal data, the processing of which is carried out for purposes that are incompatible;
    • 3.1.5. processing only those personal data that meet the goals of their processing;
    • 3.1.6. compliance of the content and scope of processed personal data the stated processing targets;
    • 3.1.7. preventing personal data processing, redundant to the declared goals of their processing;
    • 3.1.8. ensuring accuracy, sufficiency and relevance of personal data with respect to the objectives of personal data processing;
    • 3.1.9. Destroying or deleting personal data to achieve the objectives of their processing or in case of loss of need to achieve these goals, if the operator cannot be eliminated by the operator of the violations of personal data, unless otherwise provided by federal law.
• 4. General provisions
  • 4.1. Obtaining PD.
    • 4.1.1. All PD should be obtained from the Subject of PD. If the PD subject can be obtained only in a third party, the subject must be notified of this or it must be obtained from it.
    • 4.1.2. Documents containing PD are created by obtaining PD on the Internet from the PD entity while using the site.
    • 4.1.3. The operator produces PD processing if there are at least one of the following conditions:
      • 4.1.3.1. Processing of personal data is carried out with the consent of the subject of personal data on the processing of its personal data;
      • 4.1.3.2. Processing of personal data is necessary to achieve the goals stipulated by the International Agreement of the Russian Federation or the Law, for the implementation and implementation of the laws by the legislation of the Russian Federation on the operator of functions, powers and responsibilities;
      • 4.1.3.3. Processing of personal data is necessary for the implementation of justice, executing a judicial act, the act of another body or an official to be executed in accordance with the legislation of the Russian Federation on enforcement proceedings;
      • 4.1.3.4. Processing of personal data is necessary for the execution of the contract, whose party either with the beneficiary or guarantor on which is the subject of personal data, as well as to conclude an agreement on the initiative of the subject of personal data or a contract for which the personal data entity will be a beneficiary or guarantor;
      • 4.1.3.5. Processing of personal data is necessary for the rights and legitimate interests of the operator or third parties or to achieve socially significant goals, provided that the rights and freedoms of the subject of personal data are not violated;
      • 4.1.3.6. The processing of personal data is carried out, the access of an unlimited circle of persons to which is provided to the subject of personal data or at its request (hereinafter - publicly available personal data);
      • 4.1.3.7. The processing of personal data to be published or compulsory disclosure in accordance with federal law is carried out.
    • 4.1.4. The operator can handle PD for the following purposes:
      • 4.1.4.1. raising awareness of the Subject of PD on the Products and Services of the Operator;
      • 4.1.4.2. conclusions with the subject of PD contracts and their execution;
      • 4.1.4.3. informing the Subject of PD on the news and supply of the operator;
      • 4.1.4.4. identification of the subject of the PD on the site;
      • 4.1.4.5. Ensuring compliance with laws and other regulatory legal acts in the field of personal data.
    • 4.1.5. Categories of subjects of personal data. PDs of the following PD entities are processed:
      • 4.1.5.1. Individuals consisting with an operator in civil law relations;
      • 4.1.5.2. Individuals who are users of the site;
      • 4.1.5.3. PD processed by the operator - the data received from the users of the site.
    • 4.1.6. Personal data processing is carried out:
      • 4.1.6.1. using automation tools;
      • 4.1.6.2. Without the use of automation tools.
    • 4.1.7. PU storage.
      • 4.1.7.1. PD subjects can be obtained, to undergo further processing and transferred to storage both on paper carriers and electronically.
      • 4.1.7.2. PD, recorded on paper, is stored in lockable cabinets or in locked rooms with limited access rights.
      • 4.1.7.3. PD subjects processed using automation tools for different purposes are stored in different folders.
      • 4.1.7.4. It is not allowed to store and place documents containing PD, in open electronic directories (file sharing) in AHD.
      • 4.1.7.5. PD storage in a form that allows you to identify the PD subject, is carried out no longer than they require the purpose of processing, and they are to be destroyed to achieve processing objectives or in case of loss of need to achieve them.
    • 4.1.8. Destruction of PD.
      • 4.1.8.1. The destruction of documents (carriers) containing PD is carried out by burning, crushing (grinding), chemical decomposition, transformation into a shapeless mass or powder. To destroy paper documents, the use of shredder is allowed.
      • 4.1.8.2. PD on electronic media is destroyed by erasing or formatting the carrier.
      • 4.1.8.3. The fact of the destruction of PD is confirmed by a documented act of destruction of carriers.
    • 4.1.9. Transmission of PD.
      • 4.1.9.1. The operator transmits PD to third parties in the following cases:
        • 4.1.9.1.1. The subject expressed his consent to such actions;
        • 4.1.9.1.2. Transmission is provided for by Russian or other applicable legislation within the framework of the procedure established by the legislation;
        • 4.1.9.1.3. The operator transmits personal data to the operator is an affiliate.
• 5. Protection of personal data
  • 5.1. In accordance with the requirements of the regulatory documents, the operator has created a system for the protection of personal data (SWPD), consisting of subsystems of legal, organizational and technical protection.
  • 5.2. The legal protection subsystem is a complex of legal, organizational and regulatory and regulatory documents that ensure the creation, functioning and improvement of SPAPs.
  • 5.3. The organizational protection subsystem includes the organization of the management structure of the SVPD, the permissive system, the protection of information when working with employees, partners and supporters.
  • 5.4. The technical protection subsystem includes a complex of technical, software, software and hardware providing PD protection.
  • 5.5. The main measures for the protection of PD used by the operator are:
    • 5.5.1. The appointment of a person responsible for treating PD, which organizes the processing of PD, training and instruction, internal control over compliance with the establishment and employees of the requirements for the protection of PD.
    • 5.5.2. Determination of current threats to the safety of PD when processing them and the development of measures and measures for the protection of PD.
    • 5.5.3. Development of policies for personal data processing.
    • 5.5.4. Establishing the rules of access to PD processed into ATD, as well as ensuring registration and accounting of all actions performed with PD in ATD.
    • 5.5.5. Establishment of individual passwords for access to employees in the information system in accordance with their production responsibilities.
    • 5.5.6. Application of information protection tools that have passed in the prescribed manner, the compliance assessment procedure.
    • 5.5.7. Certified antivirus software with regularly updated bases.
    • 5.5.8. Compliance with the conditions ensuring the safety of PD and exclude unauthorized access to them.
    • 5.5.9. Detection of unauthorized access to personal data and take action.
    • 5.5.10. Restoration of PD modified or destroyed due to unauthorized access to them.
    • 5.5.11. Training of operator workers who directly carry out personal data, the provisions of the Russian Federation legislation on personal data, including the requirements for personal data protection, documents defining the policy of the operator regarding personal data processing, local acts on personal data processing.
    • 5.5.12. Implementation of internal control and audit.
• 6. Basic Rights of PD Subject and Operator Responsibilities
  • 6.1. The main rights of the PD subject.
    • 6.1.1. The subject has the right to access its personal data and the following information:
      • 6.1.1.1. confirmation of the fact of processing PD operator;
      • 6.1.1.2. Legal grounds and objective purposes of PD;
      • 6.1.1.3. goals and operator used methods for processing PD;
      • 6.1.1.4. The name and location of the operator, information about persons (with the exception of operator employees), which have access to PD or which may be disclosed by PD on the basis of an agreement with the operator or on the basis of the Federal Law;
      • 6.1.1.5. the timing of processing personal data, including the timing of their storage;
      • 6.1.1.6. The procedure for implementing the PD entity of the rights provided for by this Federal Law;
      • 6.1.1.7. Name or surname, name, patronymic and address of a person carrying out the processing of PD on behalf of the operator if the processing is entrusted or will be charged to such a person;
      • 6.1.1.8. appeal to the operator and send requests to him;
      • 6.1.1.9. Appealing actions or inaction operator.
    • 6.1.2. A site user may at any time withdraw its consent to the processing of PD, sending a written notice at the address: LLC "AVAN", Moscow, ul. District travel, house 19, p.1, office 244. After receiving such a message, the processing of the user PD will be discontinued, and its PD will be deleted, except in cases where the processing can be continued in accordance with the legislation.
    • 6.1.3. Operator's duties.
      • 6.1.3.1. The operator must: when collecting PD, provide information about the processing of PD;
      • 6.1.3.2. In cases where PDs were received not from the PD subject, notify the subject;
      • 6.1.3.3. If the subject fails to provide the PD to the subject clarify the consequences of such a refusal;
      • 6.1.3.4. To publish or otherwise ensure unlimited access to the document defining its policy processing policy, information about the requirements for the protection of PD;
      • 6.1.3.5. take the necessary legal, organizational and technical measures or to ensure their adoption to protect the PD from unlawful or random access to them, destruction, changes, blocking, copying, providing, distribution of PDs, as well as other illegal action against PD;
      • 6.1.3.6. give answers to requests and appeals to the subjects of PD, their representatives and the authorized body to protect the rights of PD subjects.
• 7. Features of processing and protection of data collected using the Internet
  • 7.1. There are two main ways with which the operator receives data using the Internet:
    • 7.1.1. Providing PD subjects by PD by filling out the samples of the site;
    • 7.1.2. Automatically collected information.
  • 7.2. The operator can collect and handle information that is not PD: information on the interests of users on the site based on the search queries of users of the site about the services being implemented and offered for sale, goods in order to provide relevant information to users when using the site, as well as generalizations and analysis of information, About which sections of the site, services, goods enjoy the greatest demand for users of the site;
  • 7.3. The operator automatically receives some types of information obtained in the process of user interaction with the site, e-mail correspondence, etc. We are talking about technologies and services such as cookies, web markers, as well as applications and user tools.
  • 7.4. At the same time web markers, cookies and other monitoring technologies do not allow automatically obtaining PD. If the user of the site, at its discretion, provides its PD, for example, when filling out the feedback form, then only the processes of automatic detailed information are launched for the convenience of using the site and / or to improve interaction with users.
• 8. Final provisions
  • 8.1. This policy is a local regulatory act of the operator.
  • 8.2. This policy is publicly available. The public accessibility of this policy is provided by the publication on the operator's website.
  • 8.3. This policy can be revised in any of the following cases:
    • 8.3.1. when changing the legislation of the Russian Federation in the field of processing and protection of personal data;
    • 8.3.2. In cases of obtaining prescriptions from the competent government agencies to eliminate inconsistencies affecting the scope of the policy;
    • 8.3.3. by solving the operator;
    • 8.3.4. when changing the goals and timing of PD processing;
    • 8.3.5. when changing the organizational structure, the structure of information and / or telecommunication systems (or the introduction of new);
    • 8.3.6. when applying new technologies for processing and protecting PD (including transmission, storage);
    • 8.3.7. If it becomes necessary to change the processing process of the PD related to the operator's activities.
  • 8.4. In case of non-fulfillment of the provisions of this Policy, the Company and its employees are responsible in accordance with the current legislation of the Russian Federation.
  • 8.5. Control of the execution of claims of this Policy is carried out by persons responsible for organizing the processing of the company's data, as well as for the security of personal data.

To date, get a large amount on credit is very difficult, it is especially difficult to do it under a reasonable, not a robby, as it often happens, percentage.

A loan secured by real estate without confirmation of income banks are reluctant, but still, there are several adequate proposals in this industry. We conducted a thorough analysis of banks' proposals in the Russian Federation and now present to your attention options for obtaining a loan secured by real estate without confirmation of income in any region of Russia. Let's start.

So, we will not argue about whether it is worth it to take a loan on the security of real estate, because By itself, it represents greater value, because If you are looking for such a proposal, it means that we decided everything for myself, and our task is to offer you the best option.

Naturally, there will be only those proposals in which the decent amounts of loans appear here, otherwise it would be more logical to contact the bank, but, say, in.

What banks give a loan secured by real estate without certificates of income?

So, cash loan without references and guarantors secured by apartment or other real estate offers a few bank institutions. We will look at both those that do not require such documents at all and more accurate, but not driving borrowers in a dead end.

For convenient navigation, a list of banks in which you can get a loan secured by real estate without confirmation of income and minimum documents:

Tinkoff Bank

This loan offer from Tinkoff Bank has many advantages, in particular there are no requirements for a large package of documents and long waiting queues. As well as:

• The apartment remains at the owner - it is not necessary to reissue real estate on the bank, cancel registration and registration
• The representative of the Bank will deliver a debit card for a loan along with documents. Money will be available after successful registration of collateral
• Getting a loan immediately after the successful registration of collateral real estate

And the most important thing is that the application goes without checking credit history or information about past debts, as well as Tinkoff does not ask for an income confirmation certificate. Also, it is not necessary to even provide documents on the property of real estate! The whole transaction is made in almost a passport on the day of circulation.

Housing financing bank

The Bank offers a solid loan option on the security of real estate without an income certificate, with the decision to make a loan online! With a very low interest rate, total from 11% annual, which is one of best suggestions at the moment On the market.

Once again, we will pay attention to that you will not require information about the confirmation of income, 2-NDFL forms, 3-NDFL forms, certificates from relatives and the rest of the bureaucracy, and the package of documents required to obtain a profitable loan on the bail of the apartment, is small.

Housing financing bank (BZD) No first year in the lending market and managed to establish itself as a reliable player in this area. BC is a specialized mortgage bank with a high level of capital adequacy, more than 24 years actively working the Russian mortgage lending.

Priority activities:

• Deposits and banking cells

The maximum amount on which you can count on credit secured by real estate is 20.000.000 rubles, minimal - 1.000.000 (up to 70% of the value of the object). Loan period from year to 20 years.

Sberbank

Naturally, the country's largest bank has such a popular option in the list of programs, which is provided here on quite acceptable conditions.

Thus, it is possible to obtain a target loan on the security of real estate in Sberbank under the terms of interest rates from 13%, for up to 20 years and in the amount of up to 10 million rubles. But, of course, this is not so simple, because The Bank places a number of requirements for borrowers.

In particular, it is necessary to accurately know the market value of the collateral real estate, specify the current level of income, marital status, average monthly expenses, and so on. Apart from the standard fields with the required amount and the period during which it is planned to pay a loan.

At the same time, the preliminary conditions on which the loan will be provided in the event of approval of the application for its receipt can be seen immediately by filling out the questionnaire on the bank's website.

In general, a good proposal, however, to get a really serious amount, it is necessary to comply with all the indicators declared by the bank, which is not always possible.

Eastern Express Bank: loan secured by real estate

Looking ahead, I will say that this proposal seemed to our team optimal and most acceptable among all the above options, therefore it was precisely it in a separate item.

One of the best solutions is primarily because East Express practically fits into the name of this review, issuing loans for large sums on the simplified system, without income certificates.

What are the requirements for the borrower of the Bank East Express:

• Age: from 21 to 76 years
• Insurance: Personal - at the request of the borrower, mortgageable.

Documentation:

• Passport
• Documents on mortgage property
• Sometimes there may be more documents at the request of the bank.

The most interesting thing is that in some cases it is possible to provide a loan without confirmation of income! All you need to do is fill out a small questionnaire on the bank's website and

Rosselkhozbank

Terms of this bank, in general, similar to the previous one. All the same 10 million maximum amounts for up to 10 years, but the minimum rate is slightly higher and is 16% per annum if the loan is taken for up to 3 years inclusive, and 17% for longer loans. At the same time, it may additionally be accrued 3.5% per year, in case the borrower refuses to lifetime and health throughout the loan period.

But, a credit rate can be reduced by 0.5% if you are a salary client of Rosselkhozbank.

To see the preliminary loan conditions, as well as to estimate its compliance with the requirements of the bank on its official website, filling out several fields of the questionnaire.

There you can also place an online application for credit, but, of course, to receive it will have to visit the office of the bank.

Yes, an additional feature for borrowers is the possibility of choosing a method for repaying a loan: annuity (fixed constant) and differentiated payments, when the amount will decrease monthly.

VTB Bank of Moscow

This bank offers individuals loans worth up to 3 million rubles, and for a period of 5 years. Yes, it is less than in previous versions, but here there is an opportunity to get a loan for a very significant amount without the collateral of real estate (it is better to discuss with representatives of the bank).

The minimum interest rate is 16.9% per annum here, however, with an increase in the amount and the term, it grows, as elsewhere, however.

At the preliminary stage of calculating the amount of the loan and percent on it, the potential borrower does not need to indicate the level of income, place of work, etc. All this is indicated at the time of completing the questionnaire, or stipulates with representatives of the bank personally, which, in principle, plays on the arm to borrowers. Perhaps on the spot you will be offered a more profitable program or conditions.

Learn the preliminary amount, as elsewhere, you can on the official website.

Already later, at the time of completing the application, the Bank requested information about you and your financial condition.

In general, the proposal is interesting if you need not too much amount, then getting it in the bank of Moscow will be somewhat simpler than in previous versions.

It can be said that all three proposals described within the section are not so much different. Perhaps the most significant difference here is the requirements for the borrower, which are lower in the Bank of Moscow, well, and at the interest rate you need to watch, knowing your capabilities in terms of income and the estimated loan period.

Sovcombank

Another bank is ideal for the topic of this article and considering applications for a simplified scheme.

At the same time, the conditions on which lending is not worse than those we have seen before. Yes, the minimum interest rate here is higher - from 11.9% to 22.9%, and the maximum amount is 30 million rubles. But loans are issued for the same period of up to 10 years on less demanding conditions.

You can fill out an application on the website of the bank, while specifying in it only the required amount and the period of repayment, as well as its contact details: FULL NAME, date and year of birth, as well as a region of residence. Income issues here do not specify (at least, subject to the issuance of a loan on the security of real estate).

Yes, as you can see, the conditions of obtaining are limited to the location of the property, so it does not work out. But if it suits you - try. The percentage of approval of applications here is higher than in other organizations.

National factory mortgage

Not so long ago, a new player appeared on the lending market, mortgage and mortgage loans - "National Mortgage Factory". This is a new player from the Region group of companies specializing in the mortgage lending market in Russia. Until the end of 2018, NFFI plans to scale the business model, forming a federal business network of "Electronic Mortgage Business".

"Mortgage factory" provides such services as:

• Consolidation loans (debt) loans
• Real estate loans
• Apartments, Apartments, Commercial Real Estate

We are talking about the amounts of up to 25 million rubles, transactions are drawn up per day. without commissions.