Getting a loan on favorable terms is the desire of every applicant. Which bank has the most profitable 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 deals. 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 a purchase 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, fees 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

Most profitable offer on mortgages 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 interest.

• 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

Most best bank for mortgages for individuals who are looking for offers with a low down payment and a thirty-year loan period.

Bankers provide loans to the following persons:

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

Advantages:

• 30 years;
• advantageous 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 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:

• the purchase of comprehensive insurance is obligatory, including insurance of the title of rights and life and health;
• if a citizen does not have a salary VTB cards, 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 RF Ministry of Defense on the "Military Mortgage" and with regional authorities, offering various local preferential projects mortgage lending, as well as with family mortgages with grace period 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;
• rejection personal insurance leads to higher rates 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 not allowed.

• 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 own salary cards, you must provide evidence 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.

• maximum amount lending is provided only when buying an apartment, including under DDU, or when purchasing apartments. No more than 2 0 000 000 rubles;
• when purchasing apartments, you will have to pay at least 30% their cost 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.

Matkapital is accepted as 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% ;
• no bad credit history.

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 of 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 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 advance new 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 in locality 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.

Sberbank in 2020 offers a whole line mortgage loans. The main ones are:

2. Purchase finished housing;

3. Construction of a residential building;

In addition, there is a special promotion that provides benefits for young families.

In this review, correspondents of the Business Information Agency website will analyze the features of Sberbank mortgage loans for the purchase of finished housing.

You will find out the current conditions, interest rates and the size of the initial payment.

We will tell you who can take a secondary mortgage at Sberbank, how it is easier to do this, and what documents you need to collect for this.

Mortgage in Sberbank for secondary housing in 2020

This mortgage program is intended for the purchase of an apartment, residential building or other residential premises in the secondary real estate market.

Sberbank mortgage conditions for secondary housing in 2020

Funds are available under the following conditions:

✓ Min. amount: from 300,000 rubles;

✓ Max. amount (no more):

85% of the contractual value of the loaned residential premises;
- 85% of the appraised value of another property that is pledged.

✓ Term: up to 30 years.

✓ An initial fee:

From 10% - for payroll clients;
- from 15% - for ordinary individuals;
- from 50% for clients who did not provide proof of income and employment.

Sberbank mortgage interest rates for secondary housing

Valid for clients receiving a salary to a card/deposit account with Sberbank, subject to the life and health insurance of the borrower:

Allowances:

0.3% - when buying an apartment not chosen on Domclick.ru, or an apartment not participating in the promotion "0.3% Discount on Domclick.ru";
+ 0.4% - with an initial payment of up to 20% (not including upper bound);
+ 0.5% - if you do not receive a salary on a Sberbank card;
+ 0.8% - if you did not provide proof of income and employment;
+ 1.0% - in case of refusal of life and health insurance of the borrower.

See also:

How to apply for a Sberbank mortgage on ready-made housing

Now that we have found out the basic conditions and interest rates of a Sberbank mortgage loan for finished real estate, we can understand the intricacies of the loan process itself.

1 In order not to make unnecessary movements, find out in advance whether you meet the requirements that Sberbank imposes on borrowers.

Requirements for borrowers

Age. Citizens of the Russian Federation aged at least 21 years old can apply for a secondary mortgage at Sberbank today. It is also important that at the time of repayment of the loan you are no more than 75 years old.

Experience. It also requires at least 6 months of experience at the current place of work and at least 1 year of total experience over the past 5 years (does not apply to payroll clients of Sberbank).

No more than 3 co-borrowers can act as co-borrowers individuals, whose income is taken into account when calculating maximum size loan.

2 If you are planning to buy an apartment using borrowed funds from Sberbank, to begin with, soberly calculate your financial capabilities. Remember that the loan is taken not for one year, but for a long period. During this time, your income may change both up and down. Therefore, calculate the loan for mortgage calculator. For a detailed calculation, it is better to use the calculator on the official website of Sberbank. But preliminary calculations can be done on our online mortgage calculator.

Mortgage Calculator

3 Submit an application for a mortgage loan via the Internet. You can do this on the DomClick website from Sberbank. There you can register for personal account and consult with a specialist via chat or phone.

4 Prepare necessary document and send their copies to Sberbank to your mortgage manager. They can be downloaded through the DomClick website.

Documents for obtaining a mortgage

To consider an application for a mortgage loan for finished housing, you must submit the following package of documents to the bank:

• application-questionnaire of the borrower/co-borrower;
• passport of the borrower/co-borrower with a registration mark;
• a document confirming registration at the place of stay (if there is a temporary registration);
• documents confirming financial condition and employment of the borrower/co-borrower (See full list in pdf format).

Documents that can be provided after approval loan application:

• documents on the residential premises to be credited (may be provided within 90 calendar days from the date of the Bank's decision to issue a loan);
• documents confirming the availability of the down payment.

5 Sberbank promises to consider a loan application within 2 working days from the date of submission complete package documents. And after the mortgage is approved for you, it's time to choose an apartment. You can also do this on the DomClick website, where a wide range of ready-made apartments is presented. But you can look for housing on your own on ad sites or with the help of realtors.

6 After you have chosen an apartment, send its details to your mortgage manager for approval. If the bank is ready to accept it as collateral, then you can make a deal.

7 Sign the required documentation at the bank office. You can send documents for registration without visiting Rosreestr or the MFC, but using the "Electronic Registration Service" from Sberbank.

? Question answer

Is it possible to use maternity capital for a down payment?

When purchasing ready-made housing on credit with the help of Sberbank, you can use the funds for the down payment (or part of it). maternity capital. The basic conditions and rates of mortgage programs do not change. The main thing is to agree with the seller on the procedure and deadline for receiving Money maternity capital, since this amount is not transferred from the Pension Fund immediately.

How to repay a loan?

The money is returned to the bank in monthly annuity (equal) payments.

Partial or full early repayment of the loan is allowed. The minimum amount of early repayment is not limited. There is no charge for this.

Conclusions: is it profitable today to take a mortgage in Sberbank for the secondary

Which bank is better to take a mortgage in 2018? Choice mortgage bank should be done based on the analysis of many factors. Which ones? Here are our recommendations.

Which bank is better to take a mortgage in 2018:

Today we'll talk about Which bank is better to get a mortgage . Today you will receive: list banks giving mortgage , information on what to look for when choosing a bank, in which banks give mortgages for special programs how to choose a mortgage bank step by step, as well as the main trends in the mortgage market in 2018.

Features and development trends in the market

mortgage loans in 2018

No one will give in a protracted economic crisis guarantees that the work of the enterprise will remain the same easy and stable, or the salary will be delayed at the current level. As in 2016, there are potential risks associated with an increase in inflation, which means a decrease in purchasing power when, with the same amount of income, a person will buy much less than now.

Experts do not see a decrease in the manifestations of the negative consequences of the economic crisis in the next decade. There are several points that will affect the state of the mortgage lending market:

• stagnation of the construction industry and "freezing" of unfinished projects;
• state support, artificial containment of the increase in mortgage lending rates - under the influence of a number of economic factors;
• social projects may be reduced due to insufficient funding.

The following development of the situation regarding the offer of banks is possible:

• lower interest on mortgage loans;
• increasing requirements for applicants, especially for financial solvency.

When resolving the issue, Where is the best place to get a mortgage? , the credit rate is not the main thing. Trading conditions in 2016 led developers to add to the cost of square meters additional expenses for materials and accessories. Will it be profitable take a mortgage in an unstable economic situation?

Do not rely too much on reviews and pay attention to ratings, looking for where better take out a mortgage And what is the best mortgage bank . When making a decision, be guided not only by what I take borrowed funds. To avoid an unpleasant incident, consider the situation in the future.

The beginning of the year was marked by an important event - the abolition of the state mortgage. This indicates that the government is looking positively into the future. The market has digested this change of situation. At first, the banks returned the bets on quite high level, but after up to 10.9%, all other market participants rapidly began to improve their offers.

At the moment, the supply market for standard customers has stopped at 10%. But this is not the limit.

Mortgage 6 percent in 2018 becomes a reality. On November 25, 2017, Vladimir Vladimirovich Putin, at a meeting of the coordinating council for the development of a national strategy for the state's actions in the interests of children, said that from 2018, in addition to other options for helping families with children, a special mortgage program "Mortgage 6%" will be developed.

And so: the leading banks of Russia recently announced the start of issuing preferential mortgage loans for families with children at a rate of 6% per annum.

You can learn the most at the moment from another article.

How to choose

Choosing a Mortgage Bank should be done based on the analysis of several factors:

• bank stability. Look at the Central Bank website to see if the bank has a license, what place it occupies in terms of capital.
• Favorable mortgage program. Spend a preliminary comparative analysis several offers from different banks. Pay attention to additional commissions, fees, insurance, etc.
• Serviceability. Look first of all at your offers. payroll bank. It’s not so interesting to go to the office every time, but here all the write-offs will occur from the card. Find out how many branches the bank has and if there is a bank branch near you. Pay attention to the possibility of online service. Is it possible to make early repayment online without going to the bank.
• Which bank has the most loyal policy? Check out the list banking institutions giving mortgages, and read reviews about banks. Find out if you qualify for this bank.

You can find a list mortgage banks , but the rating of banks does not always reflect the real state of affairs. The low rates offered may be advertising hiding other payments.

Let's take the TOP-30 mortgage banks in the country

This table shows offers in the secondary market:

Bank	Bid, %	PV, %	Experience, months	Age, years	Note
Sberbank	10	15	6	21-75	9.5% young family, salary discounts 0.5% and 0.1% if electronic registration
VTB 24 and Bank of Moscow	9,5	15	3	21-65	9.25% if the apartment is more than 65 sq.m., wage earners PV 10%,
Raiffeisenbank	10,99	15	3	21-65
Gazprombank	10	20	6	21-60
Deltacredit	12	15	2	20-65	FB 20% PV, 1.5% discount if 4% commission
Rosselkhozbank	10,25	15	6	21-65	10% PV for finished for a young family, 0.25 discount if over 3 million, another 0.25 discount if through partners
Absalut bank	11	15	3	21-65	FB +0.5%
Bank "Revival	11,75	15	6	18-65
Bank "Saint-Petersburg	12,25	15	4	18-70
Promsvyazbank	11,75	20	4	21-65
Russian capital	11,75	15	3	21-65
Uralsib	11	10	3	18-65	0.5% higher if bank form and will be 20% PV
AK Bars	12,3	10	3	18-70	0.5% discount from partners
Transcapitalbank	12,25	20	3	21-75	you can reduce the rate by 1.5% for 4.5% commission
Bank Center-Invest	10	10	6	18-65
FC Otkritie	10	15	3	18-65	0.25 plus if FB, 0.25% discount for corporate clients, reduction by 0.3% if you pay a commission of 2.5%, for payroll employees the first installment is 10% for FB 20%
Sviaz-bank	11,5	15	4	21-65
Zapsibkombank	11,75	10	6	21-65	0.5% discount for salary employees
housing finance	11	20	6	21-65
Credit Bank of Moscow	13,4	15	6	18-65
Globex bank	12	20	4	18-65	0.3% discount for salary employees
Metallinvestbank	12,75	10	4	18-65
Bank Zenith	13,75	15	4	21-65
Rosevrobank	11,25	15	4	23-65
Binbank	10,75	20	6	21-65
SMP bank	11,9	15	6	21-65	0.2% discount if the PV is 40% or more, 0.5% discount if the client belongs to the preferential category, discount for a quick exit to the transaction rate 10.9 - 11.4%
AHML	11	20	6	21-65
Eurasian Bank	11,75	15	1	21-65
UniCredit Bank	12,15	20	6	21-65
Alfa Bank	11,75	15	6	20-64	4% commission - 1.5% discount works on delta

primary housing

Bank	Bid, %	PV, %	Experience, years	Age, years	Note
Sberbank	10	15	6	21-75	9.9 upon electronic registration of the transaction; -0.5% if the employee is Sberbank; 7.4% -8% if subsidized by the developer
VTB 24 and Bank of Moscow	9,45	15	3	21-65	9.2% if the apartment is more than 65 sq.m., wage earners PV 10%,
Raiffeisenbank	9,99	15	3	21-65	10% PV for salary employees, 0.59-0.49 discount for certain developers
Gazprombank	9,5	20	6	21-65	10% ROI for gas companies, 15% ROI for large partners
Deltacredit	12	15	2	20-65	FB 20% PV, 1.5% discount if 4% commission,
Rosselkhozbank	9,45	20	6	21-65	maternity capital without PV the rate does not change, 0.25 discount if over 3 million, another 0.25 discount if through partners
Absalut bank	10,9	15	3	21-65	FB +0.5%
Bank "Revival	10,9	15	6	18-65
Bank "Saint-Petersburg	12	15	4	18-70	0.5% discount for salary employees and with a closed mortgage in a bank, -1% after entering a house
Promsvyazbank	10,9	15	4	21-65	10% PV for key partners
Russian capital	11,75	15	3	21-65	0.5% discount for clients through bank partners, 0.5% discount for PV from 50%
Uralsib	10,4	10	3	18-65	0.5% higher if the form of the bank and will be 20% RO, 0.41% discount for RO 30% and above
AK Bars	11	10	3	18-70	0.3% discount if PV 20-30%, over 30% 0.6% discount
Transcapitalbank	13,25	20	3	21-75	you can reduce the rate by 1.5% for a 4.5% commission, after entering the house, the rate is reduced by 1%
Bank Center-Invest	10	10	6	18-65	from 5-10 years the rate is 12% further the Mosprime rate index (6M) as of October 1 of the previous year +3.75% per annum
FC Otkritie	10	15	3	18-65	0.25 plus if FB, 0.25% discount for corporate clients, decrease by 0.3% if you pay a commission of 2.5%, 10% PV if a salary employee, 20% PV on FB
Sviaz-bank	10,9	15	4	21-65
Zapsibkombank	10,99	15	6	21-65	0.5% discount for salary employees
housing finance	11	20	6	21-65
Credit Bank of Moscow	12	10	6	18-65
Globex bank	11,8	20	4	18-65	0.3% discount for salary employees
Metallinvestbank	12,75	10	4	18-65
Bank Zenith	14,25	20	4	21-65
Rosevrobank	11,25	20	4	23-65
Binbank	10,75	20	6	21-65
SMP bank	11,9	15	6	21-65	0.2% discount with a PV of 40% or more, 0.5% discount for preferential customers, rate 10.9 - 11.4% for a quick exit to a deal
AHML	10,75	20	6	21-65
Eurasian Bank	11,75	15	1	21-65	4% commission - 1.5% discount works on delta
Yugra	11,5	20	6	21-65
Alfa Bank	11,75	15	6	20-64	4% commission - 1.5% discount works on delta

At what points in cooperation with banks
special attention must be paid to:

• Let's take the bet calculation method. It can be fixed or floating. IN government programs it promises to be constant throughout the entire period of payment of the debt. Floating rate depends on the state money market. The fixed rate has its drawbacks. Banks often apply an individual approach to each applicant. The final rate for a particular person may differ significantly from the one declared at first.
• Initial deposit. The smaller it is, the higher the rate.
• Borrower requirements. Interested in choosing a bank for a mortgage on two documents without proof of income? Get ready for high interest rates.
• Banking commission. Often, taking a loan at a low interest rate, you have to pay a one-time additional fee for transaction support. Sometimes this is useful.
• Insurance services. The borrower's life and disability are voluntarily insured. If you refuse voluntary insurance, the rate will increase by 1-1.5 points.
• Loan maturity. Where is the best place to take it? An ideal mortgage, according to experts, is optimal for a 20-year period. With a shorter term, the regular payment is higher, with a longer term, there will be a tangible overpayment of interest.

Choosing a bank and the most profitable

loan product

• Before revising the data, V which bank will be profitable to take a mortgage , choose a property. You can buy apartments in new buildings and on the secondary market, private houses, it can be a room, a share in an apartment, an apartment, a cottage, a land plot, a summer house, a townhouse.
• Pay attention to the conditions of special programs and state support programs. What is the benefit of participating in them? Military mortgage - the possibility of obtaining housing for military personnel, monthly fees and advance payments are paid by the state. Mortgage "Young Family" - an opportunity to issue soft loans with low interest and initial payment for persons under 35 years old. The option of purchasing housing with maternity capital is the most profitable mortgage for families with two or more children. social mortgage- Loyal interest rate policy and advance support for socially important professions.
• Assess your own financial situation. You can take out a mortgage without making an advance, with an advance of 5-10%, 15-20% or 30-50%.
• Find out what the quality of your credit history is. It is advisable to check the borrower's dossier before applying. They don't give mortgages to people with bad credit.
• Decide on a package of documents. Banks may vary. In some institutions, it is possible to execute a transaction on the basis of a certificate in the form of a bank, while in others it is not.
• Identify the presence / absence of additional commissions and contributions. Sometimes the cost of insurance, the issuance of a loan are large, the result is a very expensive loan. A more profitable option may be a program with a rather large rate, but with lower costs related to servicing the loan.
• Calculate the required amount. The approximate value of the property must be compared with the money available. The difference is the borrowed amount.
• Check yourself for compliance with the minimum requirements of the selected lender to the borrower.
• Analyze mortgage offers. Find several options where they offer to take with a small rate. First of all, you should contact the bank where the salary is issued. Here they will offer a loyal rate and a discount on the initial payment.
• Calculate the payment and the required income. Annuity allows you to deposit equal amounts every month and increases the likelihood of a positive decision on the application to the applicant, even with a small income. Differentiated mortgage payments provide an opportunity to save money, but the first payments will be large. A mortgage calculator will help you choose the option.
• Decide on a deadline. A long term allows you to reduce the amount of the monthly payment, which directly affects the approval of the application. When available funds appear, repay loans in large amounts. The bank will recalculate the interest.
• Don't overestimate your strength over monthly costs. Important events for the personal budget can significantly affect financial position, so you have to urgently look for where to get money for the next payment.
• Pick up profitable way applying for a loan. You can apply for a mortgage at a bank office. A remote application posted on the website of a credit institution gives a discount on the rate.
• If you don’t want to figure out on your own which bank has the lowest mortgage percentage, then it’s easier to entrust the task to a mortgage broker.

Nuances of choice

• When choosing a mortgage, it is better to pay attention to ready-made housing or one approaching the end of construction.
• Pay attention to the liquidity of the future acquisition. If necessary, it can be sold in order to pay off debt obligations with the money received.
• If borrowed in the currency of the main part of the income, then it is predicted to remain the same currency for a long time.
• Loan payments must not exceed 30% total income. When planning a mortgage loan, one should assume different developments and agree on possible consequences with co-borrowers and "second halves" before signing the loan agreement.
• It is best to get a mortgage for the long term, so that the monthly payments are affordable for your own budget.
• Draw up an agreement with the possibility of early repayment without penalties, so that when income increases, you can pay off your debt obligations faster, and loans will be cheaper.
• Borrowers who make a good advance payment (30-50%) can count on loans that are more democratic in terms of conditions.
• Not only comparison of conditions is obligatory. Reading a mortgage agreement requires special attention.
• Experts recommend not to take the bet as the basis of choice. It may just be a gimmick to expand your customer base. On average, 10-13 per annum is offered, if you promise a lower percentage, study other conditions in the rating of banks more carefully.
• Some clients who receive financial assistance forget about the availability of insurance when choosing a mortgage. Mandatory real estate insurance is legally established, the borrower may refuse all other types of insurance programs. But often it is the consent to voluntary insurance affects the rate.
• Often, a fee is charged for processing and issuing a loan (from 1 to 4% of the amount). The higher the commission, the lower the interest. To understand where it is more profitable to take a mortgage, the size of the commission is compared with the full overpayment. Account maintenance fee is charged every month. In this case, the benefit from a rate cut is often small or non-existent.
• The cheapest mortgage in some regions is obtained through regional loan products.

The best banks with options for special programs

• Which bank is better to take military mortgage? Gazprombank - 9.5% per annum, 2,250,000 rubles, initial payment - 20%.
• Which banks give customers mortgages with mother capital? Sberbank - from 300,000 rubles, from 7.4% per annum, insurance - 1% of the amount (in case of refusal of the service, 1% is added to the rate).
• In which bank will it be better to take a mortgage for young people? Favorable conditions for a young family from the Russian Agricultural Bank: from 1 to 20 million rubles, from 9.1% per annum, advance payment - from 10% for secondary housing, 10% more - for primary housing Sberbank has a similar program from 10.25%, but only for ready-made housing and for salary workers when registering a transaction electronically. For other people, the base rate is 11.25.
• In which bank can I get a mortgage for refinancing? Mortgage refinancing at Sberbank is one of the most profitable. Ready to issue from 500,000 rubles at 10.9% per annum, proof of income is required.
• In which bank would it be better to take a mortgage on two documents? VTB 24 - 10.4% per annum, up to 500,000 rubles.
• In which bank will it be profitable to take a mortgage on a house and land? Rosselkhoz Bank - 100,000-20,000,000 rubles, advance payment - from 15% (maternity capital can be used), from 9.75% per annum.
• Which bank lends to foreigners? VTB24 - from 600,000 rubles, 9.4-10.4% per annum, minimum advance payment - from 15%.
• Without an initial fee lends Metallinvestbank. It is proposed to take a mortgage on an apartment in an apartment building in the primary and secondary markets at 12% per annum.

At what interest rate, and under what conditions in 2020 can you take a mortgage from Sberbank to buy housing in the secondary real estate market and in new buildings. Who can apply for a loan today, how to do it, what documents are needed for this. The calculator will help calculate the payment.

Sberbank of Russia has lowered rates and getting a mortgage has become more profitable. As a result, today you can take a home loan at a minimum of 6.5% per annum, subject to life insurance and proof of income. These percentages are quite attractive to clients. In this review, the correspondents of the site will analyze in detail the features of housing loans in the Security Council of the Russian Federation, talk about how to get a loan for real estate.

Mortgage programs in Sberbank

Like many big banks, Sberbank today has several mortgage programs. Each of them has its own characteristics and is designed for borrowers with different wallet thicknesses and needs. Among them:

1. purchase of housing under construction - from 6.5%;
2. purchase of finished housing - from 8.5%;
3. construction of a residential building - 9.7%;
4. suburban real estate - from 9.2%;
5. purchase of a garage or parking space - from 9.7%;
6. with state support for families with children - from 5%;
7. under maternity capital - from 6.5%.

Doesn't fit? See what mortgage rates VTB Bank offers.

Ways to reduce rates on Sberbank mortgages

In addition, today the bank has several promotions for mortgage loans, which allow you to reduce the rate.

1. Discount for salary clients of Sberbank.
If you receive a salary on a card of the Security Council of the Russian Federation, you can count on a 0.5% discount.

2. Discount for a complete set of documents.
If you provided proof of income and employment, then expect a 0.3% discount.

3. Discount for insurance.
If you take out life insurance, the rate will be lower by 1%.

4. Discount for a young family.
If one of the spouses is under 35 years old, then the discount will be 0.4%.

5. 0.3% discount when buying an apartment on DomClick.
Valid for the purchase of a number of apartments selected on the DomClick portal. The reduction in mortgage rates for pre-screened apartments is 0.3 percent.

Sberbank: mortgage rates and conditions in 2020

Consider the current interest rates and conditions of mortgage programs of Sberbank in Moscow, St. Petersburg and Russia as a whole.

1. Sberbank mortgage for new buildings

This mortgage program is intended for the purchase of an apartment under construction, a residential building or other residential premises in the primary real estate market.

Conditions

> Term: up to 30 years / up to 12 years under the rate subsidy program by developers;

> Down payment: from 10% (from 50% when applying for two documents).

> Min. amount: 300,000 rubles;

• 85% of the appraised value of another property that is pledged.

Interest rates

Valid for payroll clients of Sberbank, subject to life and health insurance of the borrower.

Allowances:

0.3% - with an initial payment of up to 20% (not including the upper limit);
+ 0.5% - for clients who do not receive a salary on a card account or a deposit in Sberbank;
+ 0.3% - for clients who did not provide proof of income and employment, subject to a down payment of 50%;

Calculate monthly payment on mortgage

2. Sberbank mortgage for secondary housing

This mortgage loan from Sberbank is issued for the purchase of an apartment, house or other residential premises in the secondary real estate market.

Conditions

> Term: up to 30 years;

> Down payment: from 10% (from 50% for clients who have not provided proof of income and employment);

> Min. amount: 300,000 rubles;

> Max. amount: must not exceed the lesser of the following:

• 85% of the contractual value of the loaned residential premises;
• 85% of the appraised value of a mortgaged or other mortgaged dwelling.

Interest rates

For payroll clients subject to life and health insurance:

Allowances:

0.3% - when buying an apartment not chosen on Domclick.ru, or an apartment not participating in the promotion "0.3% Discount on Domclick.ru";
+ 0.4% - with an initial payment of up to 20% (not including the upper limit);
+ 0.5% - if you do not receive a salary on a Sberbank card;
+ 0.8% - if you did not provide proof of income and employment;
+ 1.0% - in case of cancellation of life and health insurance.

Not satisfied? See what rates Rosselkhozbank offers.

3. Sberbank mortgage on construction of a residential building

This mortgage loan is for individual construction residential building .

Conditions

> Term: up to 30 years;

> Down payment: from 25%.

> Min. amount: from 300,000 rubles;

> Max. amount: must not exceed the smaller of:

• 75% of the contractual value of the loaned residential premises;
• 75% of the appraised value of the mortgaged or other mortgaged premises.

Interest rate

9.7% per annum in rubles.

Allowances:

See also the terms of mortgage lending at Gazprombank.

4. Sberbank mortgage on suburban real estate

This loan is provided for the purchase or construction of a dacha (garden house) and other consumer buildings. You can also spend money to buy land plot.

Conditions

> Term: up to 30 years

> Down payment: from 25%

> Min. amount: from 300 000 rubles

> Max. amount: must not exceed the smaller of:

• 75% of the contractual value of the credited property/estimated cost of construction and the contractual value of the land plot;
• 75% of the appraised value of the property being loaned or otherwise pledged as collateral.

Interest rates

For payroll clients subject to life and health insurance:

9.2% per annum in rubles.

Allowances:

0.5% - if you do not receive a salary from Sberbank;
+1.0% — for the period before mortgage registration;
+1.0% - in case of refusal of life and health insurance of the borrower.

Not profitable? See what mortgage conditions Alfa-Bank offers today.

5. Sberbank mortgage on garage or parking space

This loan is provided for the purchase of a finished or under construction garage (or parking space). You can also spend money on the individual construction of a garage, including the simultaneous acquisition of the land on which it is or will be built.

Conditions

> Term: up to 30 years;

> Down payment: from 25%;

> Max. amount: must not exceed 75% of the contractual value of the property to be credited / the estimated cost of construction.

Interest rates

For payroll clients subject to life and health insurance:

9.7% per annum in rubles.

Allowances:

0.5% - if you do not receive a salary from Sberbank;
+1% — for the period before mortgage registration;
+1% — in case of refusal of life and health insurance of the borrower.

See the terms of the mortgage at DeltaCredit Bank (Rosbank).

6. Mortgage with state support for families with children

This is a state mortgage support program for families in which a second or third child was born from January 01, 2018 to December 31, 2022. The loan can be obtained by citizens of the Russian Federation aged 21 to 75 years (at the time of loan repayment). Money is issued for the purchase of finished or under construction housing, including a house or a townhouse.

Conditions

> Term: from 1 year to 30 years;

> Down payment: 20%;

> Min. amount: 300,000 rubles;

> Max. sum:

• 12 million rubles in Moscow, the Moscow region, St. Petersburg and the Leningrad region;
• 6 million rubles in other cities and regions of Russia.

Interest rates

Operates subject to life and health insurance of the borrower.

5% per annum for the entire loan term

Allowances:

1% - when life and health insurance is canceled , in accordance with the requirements of the Security Council of the Russian Federation.

Life and health insurance of the borrower is a prerequisite for issuing a loan. Without this condition, the loan cannot be granted!

See mortgage rates at Promsvyazbank.

7. Mortgage in Sberbank under maternal capital

When purchasing finished or under construction housing on credit with the help of Sberbank, you can use maternity capital funds for a down payment or part of it. You can take a mortgage at Sberbank under maternity capital for the purchase of finished or under construction housing.

Conditions

> Residential premises purchased using maternity capital must be registered in the ownership of the borrower / common fractional ownership spouses and his / their children (optional);

> Clients not receiving wages to an account opened with Sberbank, when applying for a loan, they must provide documents confirming the financial condition and employment of the borrower / co-borrower / guarantor;

> Within 6 months from the date of issuance of the loan, you must contact the branch pension fund Russian Federation for the transfer of funds (part of the funds) of maternity (family) capital to pay off debt on a loan.

Required documents

In addition to the standard package of documents, in this case, the following are additionally provided:

• State certificate for maternity (family) capital;
• A document (certificate, notification, etc.) from the territorial body of the Pension Fund of the Russian Federation on the balance of maternity capital.

How to get a mortgage in Sberbank

Today, Sberbank is trying in every possible way to simplify the process of obtaining mortgage loans through digitalization. All the main actions are proposed to be done on the official website of the bank:

1. Submit an application through the bank's website;
2. Choose an apartment in a new building or non-secondary real estate market;
3. Complete the transaction by electronic registration.

The loan is provided at the branches of Sberbank of Russia at the place of:

• registration of the borrower;
• finding the property to be credited;
• accreditation of the company - the employer of the borrower.

The term for consideration of a loan application is from 2 to 5 working days from the date of submission of a complete package of documents.

Who can get a mortgage

Requirements for borrowers in Sberbank today are simple and clear:

1. Citizenship: RF.
2. Age: from 21 to 75 years (at the time of full repayment of the loan).
3. Length of service: at least 6 months at the current place of work and at least 1 year of total experience for the last 5 years (does not apply to payroll clients).

Documents for a Sberbank mortgage in 2020

To apply for a mortgage loan at Sberbank, you need to collect and submit a solid set of documents.

When confirming income and employment, you must submit:

1. application-questionnaire of the borrower / co-borrower;
2. passport of the borrower / co-borrower with a registration mark;
3. a document confirming registration at the place of stay (if there is a temporary registration);
4. documents confirming the financial condition and employment of the borrower / co-borrower.

If the client plans to apply for a mortgage without proof of income and employment (according to 2 documents), then the borrower’s application form, the borrower’s passport with a registration mark, and a second identity document (optional) must be brought to the bank:

1. driver's license;
2. soldier's identity card;
3. employee ID federal bodies authorities;
4. military ID;
5. international passport;
6. insurance certificate of compulsory pension insurance.

Within 90 calendar days from the date Sberbank makes a decision to issue a mortgage loan, you will also need to submit:

1. documents on the credited residential premises;
2. documents confirming the availability of the down payment.

Sberbank will have to repay the mortgage loan in monthly annuity (equal) payments. Partial or full early repayment of the loan is allowed.

Conclusions: is it profitable to apply for a mortgage in Sberbank

The Security Council of the Russian Federation is one of the leaders in mortgage lending in Russia. Sberbank offers today have a number of advantages. These are, first of all, rather low interest rates. A small down payment (from 10%) and convenient registration via the Internet on the DomClick.ru website can also serve as a plus. All this will allow many Russians who previously thought about purchasing real estate to solve their housing problem, believes Expert of 10 Banks on mortgage products Igor Kuznetsov.

Contacts for information and consultations

Learn more about the conditions and interest rates of a mortgage loan from Sberbank employees.

Official site:

Phones:

7 495 500-55-50 (for calls in Moscow),
900 (free call for mobiles within the Russian Federation)

Address:

Moscow, 117997, st. Vavilova, 19.

General license of the Bank of Russia No. 1481. The information is not a public offer and is presented for reference purposes.

An indisputable fact: real estate prices in the Russian capital are showing a steady upward trend. Nevertheless, the needs of Muscovites and citizens who want to become one in their own housing are also growing naturally. Therefore, it is quite natural that mortgages in Moscow are gaining popularity day by day. A logical response to the growing demand for mortgage lending has been a variety of credit programs from Moscow banks. To study them all and choose the option that is optimal for all the parameters presented, it takes a colossal amount of time, during which housing prices in Moscow will rise even higher. We can avoid these difficulties, save your time and, as a result, your money!

Profitable mortgage for a large amount - a reality!

If you are interested in a mortgage on an apartment, then a huge number of mortgage loans from Moscow banks are at your service. All of them differ from each other in a number of the following ways: the amount of the loan, the duration of the period for which the loan is issued, the amount of the down payment, the amount of the overpayment at the mortgage rate, requirements for the borrower, and the like.

Of course, every potential borrower wants to find such a mortgage loan that offers the most favorable conditions for each of these parameters. In other words, the ideal mortgage in Moscow is a loan for a large amount with a minimum interest rate, issued without a down payment and without draconian requirements for the number of documents on the status of the borrower. Of course, such ideal mortgage loans do not exist (they are simply not profitable for banks), however, choosing the optimal combination of all requirements and finding the best mortgage offer for yourself is quite within the power of everyone using the site.

How does the service work?

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