How much loan can I count?

The bank always approves the maximum amount that the borrower and cohesives can be given in the questionnaire. However, the loan amount cannot be more than 85% of the cost of your chosen real estate.

I refused a loan. Why? What to do?

The bank does not explain the reasons for refusal, as it would have led to the disclosure of the system of evaluating borrowers, which is a commercial secret. There are potentially about twenty borrower parameters and concerns to which this system can rely.

If the bank refused you, you can apply for a loan again after the deadline indicated in the accompanying text of the failure. In some cases, you can immediately apply.

How to increase the chances of getting a mortgage with a small official salary?

For example, you can apply for credit with a certificate in the form of a bank instead of reference 2-NDFL. A certificate of income in the form of a bank is an alternative document that is accepted by the Bank as a borrower's income confirmation, but in which additional earnings can be taken into account.

I am a man of age, will I give a mortgage?

You can make a mortgage for a term before you have 75 years old. For example, if you are 65 years old, you can take a mortgage for 10 years.

If I get a salary on Sberbank card?

Salary customers of Sberbank, depending on the other lending conditions, can obtain additional benefits. At the same time, advantages are available if any of the concerns is a salary client.

· If over the past two months you had at least one wage enrollment on the card or Sberbank's account, you can get a discount to the bet.

· If you had wages to credit on the card (account) of Sberbank at least in 4 months from the last 6 months, you will not need to additionally download the certificate of income and a copy of the workbook.

How to find out overpayment in my future loan?

See the amount of overpayment you can by registering in the Personal Account. After registration, click on the calculation panel and you will make the overpayment chart in the calculator.

Is it profitable to buy the life and health of the borrower?

Life and health insurance in the insurance company Sberbank Life Insurance LLC or other companies accredited by Sberbank makes it possible to reduce the loan rate by 1%.

Given the purchase of the policy, in fact, you will save at a rate of about 0.5 percentage points. In addition to saving at the rate, the policy performs its immediate task - the insurance company will pay the bank to the balance of debt on your mortgage loan upon the occurrence of the insured event (loss of disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgage in Sberbank is issued only to Russian citizens.

Who can be a concern?

Most often, relatives of the main borrower are most often coaches - spouse, parents, children, brothers and sisters. Total you can attract up to 6 concerns. If you are married, your spouse must be a mandatory concern. Exceptions are possible if the marriage contract is concluded between the spouses.

How to use maternity capital in favor of the mortgage?

You can use the maternal cave capital or partially as an initial contribution upon receipt of the mortgage. You can use only maternal capital or the amount of maternal capital and own funds. For the minimum size of the initial contribution, we recommend to navigate the calculator Domklik.

When using maternal capital tools, it is important to agree with the seller the order and the term of maternal maternal cash funds, since this amount is listed from the pension fund not immediately.

What additional expenses will be when making a mortgage?

Depending on the type of real estate and the selected set of services, the loan will require payment:

· Evaluation Report - from 2,000₽ depending on the region and evaluation company (required to assess the mortgage object);

· Insurance of the mortgage object (on the apartment acquired) - directly depends on the size of the loan;

· Insurance of the life and health of the borrower (not necessarily, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registration of a transaction in Russia - 2,000₽ when independentregistration or 1 400 ₽ with electronic reg istrace (is an additional service and is paid separately);

· Renting a bank cell and pay for access to it (when buying secondary housing for cash) or payment of the Safe Calculation Service - from 2,000₽ .

The cost of services is approximate. Specify the exact cost on the sites of the relevant services.

What is better: new building or secondary?

As a rule, the apartment or apartment in the new building is bought directly from the developer, the second one is in the previous owner.

Nobody lived in the new building, the price per square meter is less than that of the apartment class in the secondary, there are shares from developers, more modern planning, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be included, while The majority of tenants will not be arranged, most likely, they will have to wait for the development of infrastructure and the end of repair from the neighbors.

In the secondary, as a rule, you can enter and register immediately after purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn out communications and will need to check the legal purity of the property and transaction participants.

What is the term of consideration of the application for a loan?

Consideration of the application does not exceed two days, but most customers receive approval on the day of submission of the application.

How does the process of obtaining a mortgage in Sberbank through the Domklik?

Depending on the type of real estate and other parameters, the process of obtaining a mortgage may differ.

However, the first stage is the same for all - submission of the application for a loan. To submit an application, calculate the loan on the Domklik calculator, register on the site, complete the profile and attach the necessary documents. Consideration of the application does not exceed two days, but most customers receive approval on the day of submission of the application.

If you have not yet selected real estate, you can start it immediately after receiving approval from the bank, when you learn the maximum loan amount for you.

When the property is selected, download the necessary documents in the Domklik office.

Within 3-5 days, you will be approved for the coordination of your chosen real estate. You can choose a convenient date of the transaction, which is held at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestre. Congratulations, everything is ready!

Why register on the Domklik?

After registration you will be available to help consultant in chat and bindership. Registration allows you to save your data so that you can return to complete the application at any time. After receiving the credit approval in the borrower's personal account, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary for the receipt of the mortgage.

How do I recognize the decision of the bank?

Immediately after considering your application, you will receive SMS with the Bank's decision. You will also call a bank employee.

If you need to get a loan secured by real estate on favorable terms and in a short time, contact the Power Bank. In order to take advantage of our services, you will not need to search for guarantors and collect a large package of documents. You can count on a successful solution to your question, even if you have a negative credit history and there are debts on FSSP. After receiving the loan, you will remain the owner of the collateral and you can continue to use it.

Requirements for real estate

As a collateral, the Power Bank considers various objects. You can get a loan secured by private and commercial real estate. Below are the basic requirements that are presented to property.

Loan secured by any real estate

Information is indicated for Moscow and the Moscow region. For information for other regions, please refine the phone.

Below are the basic requirements that are presented to property.

General requirements:

1. The room must be commissioned without disrupting sanitary, fire and construction norms.
2. The object must fully comply with the technical documentation on the area, layout and other parameters.
3. Property must be adapted for full operation. The necessary communications must be present in the house or manufacturing building.
4. If real estate has several owners, then they all have to make concerns.
5. The property of pledge is subject to insurance by such paraps as the risk of loss and damage. The contract with the insurance company concludes a client of the bank.

As collateral is not accepted:

• objects with encumbrance in the form of arrest or long-term lease;
• country sites, garages, fittings, rooms in communal apartments, Land plots without residential buildings;
• objects that are owned by juvenile persons.

If you need to take money on the security of real estate, which is located in the mortgage or not specified on this page, contact our manager to clarify the situation.

Requirements for the borrower

• age - from 18 to 80 years (at the time of repayment of the loan);
• compulsory insurance of life and health against accidents (an agreement with an insurance company lies in a borrower in private).

Required documents

• passport of a citizen of the Russian Federation;
• eligibility for real estate documents;
• certificate of income (2-NDFL, 3-NDFL or in the form of a bank);
• technical passport for real estate object;
• an expert opinion on the state of the premises (paid by the borrower).

Stages of receiving money on bail

1. Leave an application for registration of a loan secured by real estate by calling us by phone or by filling out the online form.
2. Wait for the Bank on cooperation. Your application will be considered on time from 1 hour to day.
3. Prepare documents for the contract. Their list will provide you with a bank employee during a personal meeting or telephone conversation.
4. Visit our office or invite our specialist to yourself for signing documents.
5. Get a cash loan at the bank's office. It will be possible immediately after registering the mortgage.

The advantages of obtaining a loan secured by cash in the Power Bank

You will remain the owner of the property transferred to the deposit. You do not have to be discharged from an apartment or at home, you will have the opportunity to continue to rent a commercial premises.

You can get a loan secured by real estate without intermediaries. The Power Bank provides customers with services since 1994, all transactions are directly with our organization and pass through Rosreestr, which is a guarantee of compliance with your interests.

You do not need to confirm your solvency. If you do not have the opportunity to provide certificates of income in the form of a 2-NDFL or 3-NDFL, you can fill in the bank's questionnaire so that we consider your situation in private.

You can get a loan even with a bad credit history. If you have arrears of FSSP, and other credit organizations refuse to issue a loan, contact us. If the amount of debt will not exceed 30% of the requested loan, we can help you.

You can get a loan for any purpose. You do not need to report on the investment of the funds received. You can manage them to develop your business, improve housing conditions, study, rest. In this case, it is possible ahead repayment of a loan without fines.

We are ready to answer your questions on the terms of issuing a loan on the security of real estate by phone.

• 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.

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

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• 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.

Take a loan in Moscow in the pledge of real estate will not be difficult. In the capital, there are many banks offering mortgage and non-targeted mortgage loans. Moreover, for the loyal design of the transaction, you can contact private investors or pawnshops. Some programs are aimed at working with property in Moscow and the Moscow region.

In order not to suffer at the stage of choosing a creditor and a favorable sentence - it is possible to refer to the help of companies that assist in obtaining a loan secured by real estate in Moscow. Many accept applications online - it is convenient, allows you to quickly find a lender and conclude a loan agreement with him. Credit in Moscow in the pledge of real estate (apartments, houses, commerce) on favorable terms can be obtained through the company. Consider the main conditions.

First of all - amounts. The company offers large loans: the minimum amount is 500 000 r., Maximum - 100 000 000 r. The market value of the object of real estate is directly affected by an approved value. Since in Moscow - the most liquid property compared to other cities of the Russian Federation, then there will be up to 90% of the value of the assessment. This is the maximum value on the credit market.

Interest rate - 11%, lending time - up to 30 years.

Attention! Only now the action is valid - loans secured by property in Moscow and the Moscow region, St. Petersburg and the Leningrad region are issued under record minimal 6.5%.

In addition, an advance is possible - 60% of the approved amount.

What will be needed for the loan for the deposit of real estate in Moscow

The company guarantees favorable tariffs, the borrower requires citizenship of the Russian Federation and age in the range from 18 to 79 years.

Of course, the property decorated in a deposit and meets the conditions:

• normal technical condition and minimum repair;
• working communications;
• Location in the promising district of Moscow or the city of the Moscow Region, St. Petersburg and the Leningrad Region (concerns residential buildings);
• Ownership is documented (there is a certificate of registration; a complete list of documents specified in the statement from EGRN; legal support).

Important! The property should not be in mortgage or under the encumbrance (arrest, ban on registration actions).

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For a loan in Moscow, two personal documents will be needed in Moscow (passport, and the second to choose a client), as well as certificates from the Moscow BTI and operational service.

Is the loan on the deposit of real estate without income certificates

After analyzing the banking market of the Russian Federation and a plurality of mortgage proposals, it can be said that no bank with an independent appeal to the borrower does not credit without confirmation of income. Even the options where "without references, in the 2nd documents," small font, or in additional conditions, have a "confirmation of income on 2-ndfl or other source" by small font or in additional conditions. Requires a stable monthly earnings of the "white sample".

Miazalog companies do not require certificates of income, work experience and other bureaucratic wires to knock out favorable tariffs for their client. Also, you do not need to attract guarantors.

How to get a loan in Moscow in the deposit of real estate with a bad credit history

Bank borrower with spoiled credit dossier is not needed. Perhaps some things can be closed with eyes, but the banks will not close the executive discipline. It is hardly possible to lend yourself to lending to a bad credit history. And with the use of connections and privileges in banks from the company Miazalog - to get a loan on the security of property in Moscow will not be difficult. This will not affect the consideration of the application.

For reference! 99 applications from 100 are approved.

Who will need a loan in the pledge of real estate in Moscow

A loan secured by real estate involves obtaining a large amount at which simple consumer loans are not available. In addition, liquid property allows you to get some reflection in the interest rate. So, for what purposes you can use the money:

• Reduce rate. With independent appeal to the bank - the interest rate will be installed as possible for the situation of the borrower. If the bank is issued under the minimum 12.5%, then through the company you can reduce this value up to 10% (or even 6.5%).
• Buy an object of real estate secured by the available.
• Refinance open loans. You can combine several loans to one. Get money, close debt in different banks. Now you have one loan with a reduced bid.
• Close debts in MFIs. If some banks propose to refinance consumer loans and mortgage, then microloan refinancing options (even worse, if with delay) - no. A loan in Moscow in the deposit of real estate will allow to close debts in MFIs and reduce overpay of 20-40 times.
• Invest money in the opening or business development.
• Close temporary financial holes for owners.
• Restress property. If you can not pay an existing loan in the pledge of real estate - put your property again. Here you can!
• Other large purchases, attachments.

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