What loan amount can I expect?

The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

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

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

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income statement and a copy of the work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan in the event of an insured event (disability or death).

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

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

For example, to increase the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum amount of the initial contribution, we recommend that you focus on the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

Also, maternity capital funds can be used for early repayment of an existing loan.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration Istration (is an additional service and is paid separately);

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

No one lived in a new building before you, the price per square meter is less than that of an apartment of the same class in a secondary building, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents will not move in, most likely, they will have to wait for the development of infrastructure and the completion of repairs at the neighbors.

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

What is the processing time for a loan application?

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

How is the process of obtaining a mortgage at Sberbank through DomClick?

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

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach the necessary documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

When a young family or a single person is going to take out a mortgage, they, of course, start looking for the most profitable options. And the majority will begin to choose from those banks where the lowest interest on mortgages takes place. Indeed, the interest rate plays an important role when the borrower's funds are seriously limited (and they are considered limited by default).

The total amount of loans issued as the main criterion

However, in the banking statistics themselves, the determining factor is not the amount of annual interest, but the volume of loans issued in monetary terms and the number of bank borrowers. In principle, this approach is not unreasonable. If a significant number of people seek to take a mortgage loan in this particular financial institution, then perhaps this bank actually offers the most favorable conditions. Or he has the largest variety of lending conditions.

According to data for 2015, Sberbank became the absolute leader in the list of all banks in Russia. Only in the first half of last year, he issued a huge amount of 304 billion 302 million rubles to borrowers in the mortgage sector. According to this criterion (the amount of funds issued), such a rating table can be compiled.

The number of clients - the second criterion

But does this mean that for the desired, cheap and profitable mortgage, you should immediately run to Sberbank? Or then in which bank is it more profitable to take a mortgage? The fact is that the rate is far from the only criterion, and it is associated with other lending conditions. Moreover, the amount of money in itself does not say anything about the number of clients, or about their, so to speak, material status. It happens that a large amount is made up of many small mortgages (0.5-1 million rubles).

And it happens that the same amount is formed by a much smaller number of larger loans (more than 2 million rubles). Thus, if hypothetically two banks have approximately the same rating in terms of the amount of funds issued, then their clientele may be completely different. People go to one for whom a loan of 1 million rubles is the ceiling. They will not pull the purchase of a more expensive option. Those who can afford to take 2.5 million rubles from the bank go to the other. Only the first will be the majority, and the second - the minority. And the total output of the two banks will be the same.

Of course, there are no such pure segregations - any bank deals with the widest range of people. This example was given only to show how uninformative a single criterion is. Consequently, the second important criterion is the number of bank clients in a certain segment of its activities. Sberbank has very high rates here as well.

Interest rate and terms of mortgage lending in Sberbank

The organization distributed the above-mentioned 304.302 billion rubles among 198,000 borrowers. The bank itself claims that such indicators once again proved its status as the "people's" bank of the Russian Federation. Indeed, the purchase and purchase of residential real estate in a mortgage according to statistical reports for a significant part of the population passes through this bank.

It is worth considering a complete list of the main conditions for mortgage loans in this institution. So:

1. The minimum loan amount is 300 thousand rubles.
2. The annual interest rate is from 11.4% to 13.5%.
3. Mortgage loan term - from one to 30 years.
4. - 20% of the cost of purchased housing.
5. You can borrow real estate in the secondary market and housing under construction.

For those who are not in the know. The listed conditions of bank mortgage lending are either minimal or parametric (for example, terms). And they are not related to each other. In this case, although 11.4% is the minimum rate, for a minimum loan (300 thousand rubles), the rate will be higher. If you look at the key criterion, the interest rate, then in Sberbank - this is the middle peasant. There are many banks where the rate is higher. But there are many who offer a really low rate. In Sberbank, buying an apartment on credit at an annual rate of 11.5% is a rarity.

In 75% of all mortgages, this beneficiary offers 12.5% ​​or 13%. Moreover, in practice, Sberbank has long been an unofficial branch of the Central Bank of the Russian Federation. He works closely with all government programs, and this allows you to reduce the rate. When housing is built with state participation, it is a guarantee for the bank that the developer will complete the declared project. Not without reason, when the developer is a state organization, interest rates are very low.

And when the developer is a private enterprise, the situation becomes exactly the opposite - a financial institution greatly raises annual interest on such housing under construction. In order to cover losses in case of possible bankruptcy of the developer. Most likely, Sberbank owes its first place in the rating of loans to government programs. Because there are conditions that may not suit many customers. First of all, a relatively high down payment.

Rates at some other banks

Rosselkhozbank is generally a fully state-owned financial institution. In the presented rating list, he took a place in the middle. Why did Sberbank bypass it so much, although Rosselkhozbank also implies the purchase of a mortgage and secondary housing and housing on a turnkey basis? The point here is not only the scale of the enterprise (Sberbank has the largest number of branches in Russia), but also the higher interest rate.

With the best offer - a rate of 13.5%, but it applies only to short-term loans (up to 5 years) and with a large down payment (over 50%). Although this bank has offers where the down payment is only 15%, but, of course, the rate there will be high (15-17%).

A few words about Tinkoff

It is curious that there are a huge number of banks in the country that are not included in the official rating list, but at the same time have amazingly low interest rates. For example, Tinkoff Bank, where customers can take out a mortgage loan at 10.5% per annum. For Russia, this is indeed a very low rate. At the same time, according to other criteria, Tinkoff is no worse than Sberbank:

• minimum loan - 300 thousand rubles;
• minimum down payment - 20%;
• credit terms - from 1 year to 30 years;
• cooperation of the bank with many government programs.

What's the matter? Why, then, did Tinkoff not even break through to the last line of the above table in terms of the volume of loans in the mortgage program for 2015. It is impossible to give a definite answer here. A bank is a complex financial structure. Its ups and downs are determined by a whole range of factors both in the domestic and international markets. Yes, even elementary competent advertising and PR play an important role, which makes the purchase of credit housing more tempting.

Are low interest rates good for you?

However, in this article, this is what should be said. Tinkoff may even rise in the rating list, since in the initial analysis its conditions are really quite good. However, borrowers should be aware that low interest rates are often “free cheese in a mousetrap” (and even then not completely free). For example, an additional condition may be a very large down payment (up to 75% of the value of residential property). It is clear that the Russians who are able to deposit such an amount of money at a time are a minority.

Accordingly, despite the democratic rate, such mortgage lending itself cannot be called democratic. In other cases, low annual interest may mean some kind of commission (for issuing the loan itself, for example), compulsory real estate insurance at the expense of the borrower, the impossibility of early repayment of the debt, and so on. Only one advice can be given here. If the client is faced with such profitable interest, he needs to sit down and very carefully re-read every word written in the contract.

Including those written in small print (especially small print!). And it is advisable to underline with a pencil those places where at least some questions arise, so that later, in order, they will be sorted out with a bank employee. Now you can make your own bank rating, but not by the volume of loans issued, but by the size of the proposed interest rates. It is worth taking a couple of dozen well-known banks for comparison.

Rating table of interest rates of different banks

Name of the bank	Minimum mortgage rate
Bank Rosgosstrah
Bank Soviet
Sobinbank
Raiffeisen Bank
Bank "Revival
Rosselkhozbank
Gazprombank
Centrkombank
Russian capital
JSCB Investtorgbank
Svyaz-Bank
Bank Zenith
Sberbank
Promsvyazbank
Absolut Bank
Bank of Moscow
Bank opening
Moscow Industrial Bank
Yugra-Standard
Rosenergobank
Bank Intercommerce
Tinkoff

Change of conditions for the last period in some banks

But even this table does not fully reflect the real state of affairs. The problem is that in recent months, some private banks have begun to introduce government programs into their activities. For example, Raiffeisen Bank has recently launched a special offer in the field of mortgage lending. It has to do with government support. As part of this offer, the bank's regular rate of 15.25% drops to 11.15%. Bank Vozrozhdenie did exactly the same thing, adding another one backed by a government program to its range of mortgage offers.

It implies the purchase of an exclusively apartment in a new building, but not with the usual 13.75%, but with 11.25%. Gazprombank has also created special projects for those borrowers who need either apartments in new buildings or townhouses. For these clients, GPB is ready to reduce the rate from 12.5% ​​to 11% per annum.

Promsvyazbank offers low annual rates exclusively for new buildings. And the Moscow Industrial Bank agrees to 11% when turnkey apartments are taken on a mortgage. At the same time, FOR ALL more or less low rates (i.e., from 10.5% to 12%), the following approximate conditions can be indicated:

1. The minimum mortgage amount is determined in the region of 1.3-1.4 million rubles;
2. The minimum monthly payment is 27-28 thousand rubles. That is, not a single bank will, say, take a mortgage of 500 thousand rubles at 11% per annum.

Factors that determine the interest rate

So, let's sum up. Before asking the question “Which bank has the lowest annual interest rate?”, You should remember what factors affect its size.

1. The amount of the mortgage loan. Usually, with its growth, the rate gradually decreases, but for minimal loans, rates cannot be large either. According to statistics, the highest rates are set for mortgage loans: from 1.7 million rubles to 2 million rubles.
2. The amount of the initial payment. There is an unambiguous, inversely proportional relationship: the higher the contribution, the lower the rate. And vice versa.
3. The time for which the loan is taken. For long periods (over 15 years) rates should be moderate. For very short periods (less than 5 years) they are also low. The highest stakes are placed on the most common options - from 5 to 10 years.
4. Property type. The highest rates take place when housing that has not yet been built is taken into mortgage, and the developer is a private company. The participation of the state is always at least a little, but reduces the rate.
5. Presence/absence of a creditor bank card. If a person already has a plastic card of the organization where he is going to take a mortgage, this will greatly facilitate the whole process. After all, this is an additional guarantee. The institution will simply automatically deduct funds from the client's salary card. The level of trust is higher here, and the stakes are lower.
6. Small annual mortgage interest can mean a number of other obligations that the borrower will have to take on - real estate appraisal, its insurance, commissions, etc.

Knowing all these subtleties will help you make the right decision. For after reading this material, it should become clear that among the many profitable low rates, one must also be able to choose. It is often better to stop at the offer where the rate is slightly higher. But all the conditions in general are much more profitable. The information offered here is aimed at helping a wide range of people to understand the intricacies of Russian mortgage lending and make the purchase of residential real estate a less complicated and nerve-consuming process.

5 / 5 ( 1 voice )

A profitable mortgage in Moscow allows you to refuse rented housing, makes it possible to attract other members of your family to pay for payments. differ in the variety of offers on the market. A housing loan can be issued in such a way that, if desired, you can pay off the mortgage ahead of schedule, use preferential terms.

How to get a profitable mortgage in Moscow?

When looking for which bank to get a profitable mortgage, pay attention to the offers:

• with preferential conditions;
• no down payment;
• with a minimum down payment.

The most profitable mortgage in Moscow is issued for real estate in a new building or on the secondary market. The main requirement for it is liquidity. can be for large families, under programs with maternity capital, the military. can be found on a residential building with communications, a small studio apartment or standard housing.

The most profitable mortgage - the conditions of banks in Moscow

The most profitable loan for housing in Moscow is easier to get for citizens with:

• official employment;
• a fully formed package of documents;
• good credit history.

The conditions and rates of banks will be more favorable if the borrower has a salary card or has used the program. The latter involves changing the bank in Moscow to one that offers more favorable conditions. When determining in which bank of Moscow a mortgage is more profitable, study offers with an interest rate of 6% or lower.

Check out the overpayments. Although initially the same input data, they may differ. They include commissions, the interest accrual scheme is taken into account. A loan for an apartment will be with a lower monthly installment if you take it for a long time, for example, for 15-20 years. But under such conditions, the amount of overpayment increases.

Documents for obtaining a favorable loan for housing in Moscow

If you are looking for where a mortgage is more profitable in Moscow, pay attention to the list of documents. Choose accommodation for which all documents are in order. Must be those. passport, extract from Rosreestr, documents confirming the absence of debts on payments.

The applicant for a mortgage loan must provide:

• official papers for benefits;
• passport;
• a copy of the work book;
• income statements.

The list may change depending on the policy of the institution.

Where is it more profitable to get a mortgage in Moscow?

You can find the most suitable solution, the most profitable mortgage loans in Moscow, on our website. It has for calculations and selection of the best options. Stop the choice on several banks and. Favorable terms offered

Getting a loan on favorable terms is the desire of every applicant. Which bank has the best mortgage in 2019? To get an answer, it is not necessary to contact a credit broker or look for information yourself, just read our article.

How to get a mortgage at a minimum interest

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

Interest rate discounts offer:

• when applying for life insurance of the title co-borrower;
• when personal savings account for more than 30-50% of the property value;
• upon payment of a special commission;
• those who are ready to conclude a mortgage agreement for a minimum period (up to 5-10 years), but then the payments will be very large;
• reliable applicants with a stable official income;
• payroll participants.

The best conditions for mortgages are more often received by those who are ready to provide at least 50% of the cost of housing at their own expense. The minimum rates are available to buyers of real estate in new buildings sold by the bank's partners.

There is a chance to save money by participating in preferential programs implemented with state support. Such projects are available only to targeted recipients, for example, public sector employees, families with children.

Where is the best place to get a mortgage?

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

Payroll customers, as those whose income is easy to trace and whose employers the lender has checked and constantly monitors, are credited on more favorable terms.

The best mortgage isn't always the lowest rate. You also need to clarify:

• whether the bank works with the selected type of real estate. 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 availability of infrastructure in it;
• what related payments are possible when servicing the contract, for example, commissions for making a payment, for example, if there is no branch of the creditor in the city of residence, for early repayment;
• what types of insurance are mandatory in addition to real estate insurance. Some banks require you to enter into title insurance contracts. Such a policy will cost 0.2-3% of the value of the property;
• whether you need to show income, and how much more the mortgage will cost if you do not confirm it, and so on.

Which bank has the best mortgage

The banks themselves will help determine where it is better to get a mortgage. It is necessary to choose 2-3 most interesting offers and apply to creditors implementing such programs. Based on the analysis of applications, the bank will be able to say exactly how much a mortgage will cost for a specific application.

Preferential mortgage lending programs

The most profitable mortgage offers are offered under special, preferential programs. Such projects are available to public sector employees, families with children. Some programs are implemented only in certain regions.

Level bet 8,5% given for the term of the contract up to 7 years. 7-12 years old – 8% , and for a longer period ( up to 30 years) – 10,5% .

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

• the amount of the initial payment;
• the consent of the borrower to insure his life, health;
• the presence of the status of "salary client of Sberbank";
• loan terms;
• availability of documents confirming income;
• the liquidity of the property that is provided as collateral.

• age limit - 75 years old, minimum - 21 years old;
• income verification is not required;
• low percentage.

• in fact, the minimum rates are available only to those who can pay most of the cost of the object with personal funds, who are able to make large monthly payments, since the shorter the loan term, the more you need to pay, although the overpayment will ultimately be less;
• if you apply for 2 documents, then the initial payment should be at least 50% ;
• The offer is relevant only for the purchase of apartments in accredited properties.

VTB offer

The best mortgage bank for individuals who are looking for offers with a low down payment and a 30 year loan period.

Bankers provide loans to the following persons:

• citizenship - any;
• registration - no restrictions;
• in active labor relations.

Advantages:

• 30 years;
• favorable credit rate - 10,1% ;
• a discount in the price of lending is available to those who belong to the “People of Action”, that is, those working in the public sector;
• a small discount is given when buying a home more 65 sq.m and participants of salary projects;
• the conditions are relevant both for new buildings and for housing on the secondary market;
• 10% ;
• minimum loan - 600 thousand, maximum - 60 million rubles.

Flaws:

• it is obligatory to purchase comprehensive insurance, including insurance of the title of rights and life and health;
• if a citizen does not have a VTB salary card, then the base rate is added 0,5% .

The cheapest mortgage

The most budget option is offered by Sberbank. Even taking into account the fact that outside the action, a new building will cost him 10.5% per annum against 10.1% in VTB, due to the requirement to conclude a comprehensive insurance contract, maintenance may become somewhat more expensive.

The rate on finished housing at Sberbank is also higher - 10.2%. But service, nevertheless, will be cheaper due to the absence of the requirement for registration of title insurance.

The best banks for mortgages

Loan aggregators, acting as intermediaries between clients and banks, also help to find where the most profitable mortgage is. These include Tinkoff Bank and AHML. The latter organization works through its regional partners and quite actively promotes all socially significant projects implemented with the support of government agencies.

Mortgage in Tinkoff Bank

Mortgage with Tinkoff Bank is the price of the agreement from 9,7% and until 25 years.

• only a passport and a certificate of income are required from the borrower (in the form of Tinkoff or 2-NDFL);
• the object of the transaction may be the last room, and a town house, and a residential building or cottage;
• some bank-friendly developers offer discounts to bank customers;
• Tinkoff-Bank cooperates with 9 banks;
• lending to individual entrepreneurs;
• the share of approvals of applications is over 90%.

Tinkoff Bank works with state support programs for families: with mother capital and with family mortgages at 6%.

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

Mortgage programs from AHML

A standard offer from AHML is a rate from 10,3% at the term of the contract 3-30 years old. The object of lending is housing purchased both in the secondary and primary markets.

• sum - 30 000 000 rubles;
• minimum deposit from 15% ;
• "Easy mortgage" is issued according to 2 documents, without confirmation of earnings, but the rate increases;
• mother's capital will be taken into account as a down payment, but then there should be a minimum of personal savings 10% ;
• it is possible to link the mortgage price to changes in the key rate;
• Required work experience - from 3 months with the last employer.

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

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

Eastern Bank

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

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

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

"Bank "Saint-Petersburg"

In Bank Saint Petersburg, a mortgage loan costs from 10,25% when buying a home in a new building (program "Mortgage from 10.25%") and from 10.5% when working in the secondary real estate market. Contracts are concluded for 1-25 years old for amounts 500,000 - 10,000,000 rubles.

• payments - annuity or differentiated;
• a foreign citizen can act as a co-borrower;
• age - 18-70 years(65 years old for women);
• total work experience - 1 year of which 4 months in last place;
• businessmen and self-employed show at least 1 year of break-even activity;
• there is also a mortgage provided only by passport;
• You can purchase all types of housing, as well as parking spaces.

• own savings - from 20% , if the application is made only on the basis of a passport, then they independently pay a minimum 30% ;
• typical interest rate for a new building - 11% . Reduced rate in 10,25% applies only to objects from the groups of companies LSR, CDS, Etalon, Polis Group, Leader Group, LLC Petra-8, Glavstroy-SPb.

UBRD

UBRD provides mortgages for ready-made housing at a rate of 10,15% per annum. Credit limit - 300,000 - 30,000,000 rubles.

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

Available up to 2 active loans. Current debt is invalid.

• borrowers must pay with their own money at least 20 %;
• minimum age - 23 years old.

Mortgage loan from Rosselkhozbank

Profitable 10% per annum, attract a lot of Russians who want to get a loan to purchase their own apartment. In Rosselkhozbank, a loan at the above percentage can be taken by applicants:

• aged from 21 to 65 years old;
• with a common labor over a year of experience in the last five years;
• working at 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 must provide confirmation of six months of work experience for the last five years. And with the last employer, you only need to work for three months.

The bank issues a loan under the following conditions:

• sum - 100,000 - 60,000,000 rubles;
• maximum loan term 30 years;
• minimum initial deposit 15% .

• settlement is possible both by annuity and differentiated payments;
• The bank lends to owners of household plots.

• the maximum loan amount is provided only when buying an apartment, including under DDU, or when purchasing an apartment. No more than 2 0 000 000 rubles;
• when purchasing apartments, you will have to pay at least 30% their cost with own funds;
• 10% per annum under the agreement will be received by those who invest at least 3 000 000 rubles of personal savings;
• if the borrower/co-borrower refuses to insure their life, health, the interest rate will increase by 1%.

Offer "Promsvyazbank" "New buildings in the mortgage from 9.8%"

Beneficial for applicants who practically do not have their own money. After all, bankers agree to lend to citizens if they contribute 10% of the price of the apartment as an advance payment.

Promsvyazbank's offer to purchase a home with a mortgage contains the following items:

• bid from 9.8% per annum;
• buying an apartment from a developer accredited by the bank;
• maximum loan amount 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 a developer-partner of the Gold PSB class, the price of the contract will be reduced to 9,7% ;
• for holders of salary cards, as well as those who work in the defense industry, who use the Orange Premium Club package, the base interest rate is equal to 9,5% ;
• Promsvyazbank partners give discounts on some objects.

• 9,8% is set for a mortgage if housing is bought from partners of the Platinum PSB segment;
• preferential rates apply subject to payment of at least 15% the value of real estate at the expense of their own money and when applying for life insurance.

Mortgage for a new building from Gazprombank

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

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

Mother capital is accepted as a down payment, but then personal savings should be at least 5% from the value of the purchased property.

• minimum loan amount 500 000 rubles;
• the base rate is set only when buying a home from partners of Gazprombank;
• if apartments are bought, then personal savings pay at least 20% their cost, and the base rate will be no less than 10,8% ;
• bad credit history is not allowed.

Mortgage program from Energotransbank

Energotrasbank gives mortgages for the purchase of both ready-made and housing under construction at a base rate of 9,5 %.

• loan term up to 25 years;
• personal investment from 10% ;
• required experience - from 6 months last;
• discounts from the base rate in the amount of 0,5% will be received by participants in salary projects, public sector employees and those who provided a certificate in the form 2-NDFL;
• maximum age of the borrower - 70 years.

• minimum contract amount 500 000 rubles;
• the bank lends to citizens if they have already turned 23 of the year;
• it is important to live and permanently register in the region where Energotransbank operates;
• only purchases of apartments, townhouses and cottages are credited.

Offer of Raiffeisenbank

Together with Raiffeisenbank, they acquire both new housing and ready-made ones. The cost of lending - from 9,99% .

• the largest amount 26 000 000 rubles;
• term - 1-30 years;
• when calculating solvency, the income of common-law spouses is also taken into account;
• personal funds - not less than 15% ;
• age of applicants 21-65 years;
• minimum work experience - 6 months at the last place of employment with a total work experience of 12 months. If a person has been working for more than 2 years, then it is enough for the last employer to be registered for 3 months.

Raiffeisenbank lends to 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 capital region and 500 000 rubles for transactions made in other regions of the country;
• if you do not draw up a comprehensive insurance contract, then the maximum age of applicants is limited 60 years;
• only approved 1 existing mortgage loan.

"Alfa Bank"

A mortgage from Alfa-Bank is a rate of at least 10,19% . The program is designed for the acquisition of housing under construction or finished.

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

• minimum loan amount 600 000 rubles;
• rate rises to 0,5% if personal funds are less 20% , if a residential building is bought, if income is not confirmed;
• the cost of a loan in case of refusal of life insurance increases by 1% ;
• added to base rate 0,25% if you need money for a townhouse.

Mortgage loan for the purchase of housing from the "Bank of Housing Finance"

Offers flexible mortgage terms. Interest rate for the purchase of real estate - 10,5% .

• minimum down payment 20% ;
• minimum loan term 1 year, maximum - 30 years;
• There is a possibility of lending 2 documents;
• loan amount from 450 thousand to 20 million rubles.

• the loan is provided exclusively to citizens of the Russian Federation;
• the apartment must be located in the settlement where the BZHF department operates;
• the building in which the object is located must have at least three floors.

Program of Uralsib Bank "Housing under construction"

In Uralsib Bank, a loan can be obtained under the Housing under Construction program under 10.5% per annum.

• age - 18-70 years;
• last place experience 3 month;
• the bank lends to individual entrepreneurs and businessmen;
• amount of credit - from 300 thousand to 50 million rubles;
• loan terms - from 3 to 30 years;
• advance payment - 15%.

• it is important that the employer exists for at least 1 of the year;
• if during the year more 3 once the settlement terms under the agreement were violated, Uralsib may demand termination of the agreement.

The most favorable mortgage for secondary housing

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

• "Energotransbank" with a rate of 9.5%;
• Tinkoff - 9.7%;
• Raiffeisenbank - 9.99%.

The most profitable mortgage for a new building

The most profitable 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 lend at 8.5% per annum when buying an apartment in a house under construction.

New buildings with cheap mortgages in Moscow

A good discount for mortgage borrowers is given by partner developers:

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

The most profitable mortgage in St. Petersburg

The most profitable mortgages in St. Petersburg are offered by Sberbank when buying housing in an accredited new building and Energotransbank when buying ready-made housing.

Many people dream of buying an apartment, but not everyone can afford to spend such a tangible amount of money at once. There is often only one way out in such a situation - to take a mortgage loan. Many cannot decide on such a responsible step, realizing that such a loan will have to be repaid for a very long time. However, if you follow a few rules, as well as carefully choosing a bank, you can move into your own apartment without significant problems.

How to get a mortgage loan correctly and profitably

The decision to buy an apartment on a mortgage becomes the most important decision in life for many people. At the same time, I really want the loan to be as profitable as possible and not become bondage.

How to get a mortgage loan? This question inevitably arises among potential borrowers. In fact, there are several important rules, the observance of which will help make the purchase of an apartment a joyful event and will not allow the mortgage to spoil the life of the borrower.

1. Before applying for a mortgage, you should evaluate your options. It is desirable that monthly payments do not exceed one third of the family budget. If you do not follow this rule, pulling a mortgage can be very difficult.
2. It is best to improve housing conditions gradually. In this case, the payment amount will be lower. In addition, it will be possible to pay off the mortgage faster, and if you want to buy a bigger apartment in the future, you can get a loan under more favorable terms.
3. It is not enough just to take a mortgage loan from a bank. You must make monthly payments on time. Maximum savings in the family budget will help create an airbag. Ideally, it should be around three monthly payments. This will help pay the mortgage even in case of temporary difficulties. When the "stash" is created, you can start partially early redemption. This will help you save on interest payments.

The minimum overpayment can be achieved not only when the best conditions for a mortgage loan are selected. It is important to buy an apartment when the market is falling. Is it worth taking a mortgage this year, read in a special review.

The best banks for mortgage loans

There is no need to rush into getting a mortgage. Even before making a decision, you should carefully read the offers of various credit organizations. To understand where it is better to take a mortgage loan. In this case, it is necessary to take into account not only the size of the interest rate, but also other conditions:

• Availability of additional commissions, insurances and payments.
• Terms of early repayment (including partial).
• The amount of the down payment. Let's say right away that it is quite difficult to get a mortgage loan without a down payment in 2020, because these are big risks for the bank. As a rule, the down payment on such loans starts from 10 percent. If you do not have a down payment to buy an apartment on credit, pay attention to banks where you can get a consumer loan for any purpose. The money you receive can be used to make a down payment on a mortgage.

A large number of offers on the market often leads to the fact that potential borrowers can get confused and confused. A huge number of tempting advertising slogans can be completely misleading. Therefore, it will be useful to use when choosing the TOP-5 best banks for a mortgage loan, compiled by specialists.

Online mortgage on favorable terms at Otkritie Bank

When deciding which bank to apply for a mortgage loan, you should not disregard Otkritie Bank. Mortgage lending conditions are quite loyal here. The client is offered several interesting programs to choose from, depending on the needs of the borrower.

Types of mortgage programs at Otkritie Bank

1. Buying an apartment in a new building.
2. Buying an apartment on the secondary market.
3. Refinancing of mortgage loans of other banks.
4. military mortgage.
5. Real estate under maternity capital.
6. Mortgage lending for the purchase of large apartments.

The interest rate at Otkritie Bank is determined by the mortgage program under which the loan was issued. You can count on a minimum percentage of 7.95% when buying an apartment in a new building or a military mortgage. Other features include a down payment of 10% and a maximum term of 30 years. Mortgages are processed online.

Mortgage from Cyan - a way to get a mortgage loan cheaper than in banks

Mortgage from Cyan is a mortgage service from the largest real estate portal in Russia. Hundreds of thousands of new ads for the sale and purchase of apartments, houses and other real estate are posted daily on the portal. Today, it is the largest database of real estate.

The site has a special service that helps to get approval for primary and secondary real estate in several banks at once. This is a kind of aggregator of bank offers.

Cyan Mortgage cooperates with the following credit institutions:

• Raiffeisenbank
• Gazprombank.

In order to get the best conditions from these banks, you just need to leave an application on the site, indicating your mobile phone number and a Cyan Mortgage service specialist will call you back and help you fill out the application. Due to the fact that the conditions of several competing banks are presented there, it is easy to get a mortgage loan even cheaper than directly in a particular bank.

Mortgage loan at a low interest rate from 6.99% in Rosbank

In Rosbank, you can get a mortgage loan at a low percentage and on fairly favorable terms. Here you can get an apartment in a mortgage loan with one of the lowest interest rates among all banks - from 6.99% per annum. In addition, the bank is very loyal to the consideration of the credit history of borrowers (even if there were delays in the past, or there are now loans or credit cards).

By the way, here you can get a loan to refinance an existing mortgage at another bank.

What is the benefit of a mortgage loan in Rosbank:

• The bank considers both citizens of the Russian Federation and foreigners. Employees or Sole Proprietors.
• The age for registration of real estate in a mortgage is from 20 to 65 years.
• Experience at the last place of work - from 1 month (if the trial period has passed). Also, the bank may consider borrowers after maternity leave.
• Past dues on loans up to 500 thousand (issued before 2015), as well as existing credit card debts, are not taken into account.
• If desired, co-borrowers (relatives or third parties) can be involved to increase the amount and chances of approval.
• You can apply for a mortgage loan without a 2-NDFL certificate and a copy of the work book, subject to the provision of an electronic extract from the PFR from the State Services portal (form CPB-6).

Leave an online application to Rosbank and get a decision

A mortgage loan is profitable with state support from VTB Bank

• The interest rate here starts at 10.2%.
• The initial payment is less than in many other banks - 10%.
• The possibility of registration without an advance payment for maternity capital.

In addition, this bank has a program “Mortgage loan with state support”. The program provides for preferential lending to families who have had a second or third child since 01/01/2018. For a certain period, a preferential rate of 6% is established with an initial payment of 20%. Do you agree that it is beneficial?

There is also an interesting program "More meters - lower rate" when buying an apartment from 65 sq. meters. That is, the larger the apartment, the lower the interest rate.

Mortgage lending for the construction or purchase of a country house from Sberbank

The country's largest bank, Sberbank, is also very active in the mortgage lending market. The bank willingly lends both to developers themselves and to borrowers who want an apartment on a mortgage loan. Moreover, even pensioners can apply for a mortgage loan, but on the condition that the repayment of the loan is provided for up to 75 years of the borrower.

As in other banks, it offers a mortgage loan with state support for families with children; mortgages for new buildings and secondary housing; military mortgage programs; mortgage using maternity capital. There are also programs that are not always found in other banks. This is a mortgage loan for the construction of a residential building, as well as a mortgage loan for the purchase or construction of suburban real estate (private house, garden plot, etc.).

Experts say that interest in mortgage lending in 2020 will not decrease. Most likely, it will only grow. With the right attitude to such loans, a mortgage will bring only the joy of moving to a new home. In this case, you should not take a loan in the first available bank. It is important to figure out where it is more profitable to take a mortgage loan. This will help save the lion's share of the family budget.

P/S Before you take out a mortgage, be sure to check out “5 Rules for a Comfortable Mortgage”