Select a loan program

Finished housing Housing under construction

Minimum down payment amount in %

30 % percent

Mortgage loan amount

65,000,000 rubles

Mortgage term

252 months

Minimum loan interest rate 15.25 %

Calculation result

• Cost of the property: 4,000,000 rubles,
• The down payment of 30% will be: 12,000,000 rubles,
• Loan amount: RUB 950,000,
• Bank interest rate: 13.8% per annum,
• Loan term: 60 months.

• Confirmed monthly income - at least 454,456 rubles.
• Monthly payment (annuity): RUB 181,782,
• For the entire period the following must be paid: RUB 43,627,797,
• Overpayment for the loan: RUB 27,627,797,

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Loan payment schedule

Open Joint Stock Company “Novosibirsk Social Commercial Bank “Levoberezhny” was founded in 1991. From the very beginning, the organization has been working with government agencies in the region and large industrial enterprises. It occupies leading positions in terms of net profit and assets. At the same time, the bank is developing mortgage lending to the population, offering nine mortgage programs. The Levoberezhny Bank mortgage calculator shows the possibilities of the programs offered by the bank, the rates of which are lower than in the country as a whole.

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The activities of the credit institution provide a full package of services for corporate clients, the number of which is 18 thousand units. These include cash settlement services, placement of funds, salary projects and corporate plastic cards, transactions with securities and brokerage.

The bank actively works with small and medium-sized businesses in the Novosibirsk region, Kemerovo region, Altai region and Krasnodar region. Loans are available for them to expand their business and increase turnover.

For companies operating in the foreign market, especially in the direction of China, the bank has prepared a number of programs, including accounts in Chinese yuan. Levoberezhny Bank is included in the register of guarantor banks of the Federal Customs Service of the Russian Federation. The bank also issues bank guarantees for government tenders.

The number of individuals served is over 500-one hundred thousand. This number was ensured by favorable conditions for both deposits and loans issued. "Levoberezhny" services the schoolchild's municipal discount card, conducts conversion operations, and acts as a broker on the stock exchange.

Geography

The bank's head office is located in Novosibirsk and another 67 branches in the Novosibirsk, Kemerovo, Novokuznetsk, Krasnoyarsk and Tomsk regions, and Altai Territory.

More than 120 ATMs throughout the network.

Mortgage lending programs

The credit institution has introduced a comfortable minimum rate of 9%, the maximum can reach 15%. The down payment when applying for a mortgage can be as little as 5% of the cost of the home.

The Military Mortgage loan is calculated for the period until the borrower reaches 45 years of age.

Special programs:

• "Comfortable";
• "Maternal capital";
• "Special";
• "Military mortgage";
• "Garage";
• "Young Teachers";
• "Light";
• "Siberian".

The Levoberezhny Bank mortgage calculator will help you calculate the amount of mortgage deductions for 2019 - 2020 and weigh the chances of early repayment. You can use the official online calculator on the website for free!

This mortgage loan calculator is very convenient: it is available online, it is clear and it is free. Spend half an hour on a calculation that will correctly line up your expenses for several years ahead.

Levoberezhny Bank offers 3 classic mortgage lending programs and individual programs for improving housing conditions. Rates (from 9.2%) are among the lowest on the market. It is possible to choose housing from objects accredited by the bank. In this case, there are no risks of dishonest actions by developers.

Lending terms

• Borrower's age: from 18 to 75 years (at the time of repayment);
• Minimum amount: 300,000 rubles;
• Duration: up to 30 years;
• Loan issue fee: none;

Mortgage interest rate

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Mortgage conditions differ significantly depending on whether you need a loan for a secondary home, for a new building, for the construction of a private house, or simply for a plot of land. The bank offers potential borrowers the following options for obtaining a mortgage loan:

• No guarantors.
• No proof of income.
• No down payment.

The bank offers a mortgage loan with state support, in particular with maternity capital, and with early repayment. The terms of its issuance can be significantly revised in favor of the borrower if he has an open salary project. The bank also accommodates state employees and offers special issuance options for pensioners.

A modern online cost calculation will help you get a preliminary estimate for a real estate loan - it will provide the basic necessary information in accordance with the requirements and wishes of the borrower.

If you intend to buy an apartment or any other real estate on credit, it would be useful to calculate the monthly mortgage payment in advance. Knowing the possible amount of monthly payments, a potential borrower can easily calculate the maximum mortgage size, overpayment and loan term.

To accurately calculate mortgage payments, it is very convenient to use a special program that is available to everyone - a mortgage calculator. This program, which contains a set of mathematical formulas, is used to calculate all relevant loan indicators. The most important function of the program is online mortgage calculation. Using the calculator, the borrower can easily calculate all the key terms of the mortgage: payments, mortgage amount, overpayment, terms and others.

In order for the result of the mortgage calculation made on the calculator to be accurate, it is necessary to take into account such parameters as the interest rate, various fees and commissions that may occur, as well as the amount of the down payment available to the borrower. Therefore, it would be a good idea to check with the bank about the interest rate and fees for the selected loan program.

A mortgage calculator can easily be found online. Today, most banks post a similar program on their official websites. These services on bank websites help calculate the mortgage and the loan terms that are relevant for each specific borrower - individual interest rate, payments, etc. Such services usually already take into account the category of the borrower, the type of housing being purchased, the possibility of connecting to an insurance program or refusing it, suitable loan program.
There are online calculators that calculate the size of a mortgage, posted not only on bank websites, but also on other Internet portals specializing in such services. Such calculators will also easily calculate loan terms according to parameters specified by the user. Online calculators give borrowers an excellent opportunity to pre-calculate all the parameters they are interested in without visiting the bank in person.

However, do not forget that the result of the calculation obtained on services located on third-party sites will not be final. To receive professional advice and accurately calculate a real estate mortgage, you can contact the manager directly at the bank. The mortgage calculator is a convenient service that allows those who are planning to purchase a home on credit to pre-assess their capabilities in order to understand the degree of long-term credit burden.

Interest rate

The interest rate is a very important parameter when calculating a mortgage. It is measured as a percentage per annum. This parameter shows how much interest is charged on your debt per year. For clarity, let's take a specific interest rate - 12%. This means that another 12% of the debt amount is added to your debt per year, BUT: with mortgage lending, the bank charges you interest not once a year, but daily on the remaining amount of the debt. It is not difficult to calculate how much interest is accrued every day: 12% / 12 months / 30 days = 0.033%.

If you've already used our mortgage calculator and done the math, you've probably noticed that your monthly payment is made up of two parts: principal and interest. Since your debt decreases every month, you accrue less interest. That is why the first part of the payment (principal) increases, and the second (interest) decreases, and the total amount of the payment remains unchanged throughout the entire term.

Different banks offer different interest rates, they depend on various conditions, for example, on the size of the down payment, on the type of housing purchased, etc. Obviously, you need to look for an option with the lowest rate, because even a difference of half a percent will affect the amount of the monthly payment and the total overpayment on the loan:

Table 1. Demonstration of the influence of the interest rate on loan parameters.

Fixed and floating interest rate

Fixed interest rate- this is the loan rate, which is set for the entire loan term. It is specified in the loan agreement and cannot be changed.

Floating interest rate- this is the loan rate, which is not a constant value, but is calculated according to the formula defined in the contract. The rate consists of two parts: The first component is floating, tied to some market indicator (for example Mosprime3m or the Central Bank refinancing rate) and changes with the frequency specified in the loan agreement (for example, monthly, quarterly or semi-annually). The second component, fixed, is the percentage that the bank takes for itself. This part remains always constant.

Annuity and differentiated payment

• An annuity payment is a variant of monthly loan payment, when the amount of the monthly payment remains constant throughout the entire loan period.
• Differentiated payment is a variant of monthly loan payment, when the size of the monthly loan repayment gradually decreases towards the end of the loan period.

Currently, the most common annuity payment.