A loan secured by real estate in Moscow allows you to get a large amount for a long time. At the same time, the rate on such consumer loans is one of the lowest. A private house, apartment, garage, land plot, townhouse and other real estate can act as security. For banks, such a program carries the least risks, for borrowers - savings on overpayments and a low percentage of failures.

What terms and conditions of the loan can be expected?

in Moscow, you can get a large amount of money on the security of real estate. Usually such loans are non-targeted, the borrower has the right to use the funds at his discretion. Real estate is liquid collateral, so in general, banks are willing to issue such loans. Registration without proof of income is available.

The advantages of this program include not only a large amount, but also a long term. The loan period reaches 15-20 years, due to which the monthly payment will be low.

But there are certain risks - the bank may withdraw the collateral if the borrower does not fulfill its obligations. Therefore, before you take a loan secured by an apartment, you should weigh the pros and cons.

The disadvantages also include a long period of consideration of the application. The procedure takes an average of a week, in some cases a month. In addition, you will need to provide additional documents and incur some costs (for assessment, insurance, etc.).

Amounts, interest rates and terms of loans secured by an apartment in Moscow

Most financial institutions in Moscow offer their own lending programs secured by real estate. On average, the interest rate fluctuates between 13-15%. The bank determines the terms of lending individually for each. They are affected by the presence of guarantors, the cost of the housing itself and other factors.

A secured loan is used when they want to receive a large amount. The bank can issue up to 70-80% of the appraised value of housing. But some financial institutions have lowered this threshold. Offers may be limited to 50-60% of the value of the property. Most banks set an upper limit on the amount, usually ranging from 15-20 million rubles.

In which credit institutions in Moscow can I get the necessary loan?

Most banks, including small and little-known ones, have lending programs secured by real estate in 2019. But it is better to give preference to large financial institutions with a good reputation.

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Today, it is very difficult to get a large amount on credit, it is especially difficult to do it at a reasonable, and not extortionate, as is often the case, interest.

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

So, we will not talk now about whether it is worth taking a loan secured by real estate in principle, because. in itself, it is of great value, because. if you are looking for such an offer, then you have decided everything for yourself, and our task is to offer you the best option.

Naturally, only those proposals in which decent amounts of loans appear will be considered here, otherwise it would be more logical to contact not the bank, but, say, in.

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

So, a few banking institutions offer a cash loan without certificates and guarantors secured by an apartment or other real estate. We will consider both those that do not require such documents at all, and more demanding ones, but not driving borrowers into a dead end.

For easy navigation, the list of banks where you can get a loan secured by real estate without proof of income and a minimum of documents:

Tinkoff Bank

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

• The apartment remains with the owner - there is no need to re-register the property with a bank, cancel registration and registration
• The bank representative will deliver the debit card for the loan along with the documents. The money will become available after the successful registration of the pledge
• Getting a loan immediately after the successful registration of collateral real estate

And most importantly, the application leaves without checking the credit history or information about past debts, and also Tinkoff does not ask for a certificate of income confirmation. In addition, it is not even necessary to provide documents on the property! The whole transaction is executed practically according to the passport on the day of application.

Housing Finance Bank

The bank offers a solid option for obtaining a loan secured by real estate without income certificates, with obtaining a loan decision online! With a very low interest rate, from just 11% per annum, which is one of the best offers at the moment On the market.

Once again, please note that you will not be required to provide income confirmation certificates, 2-NDFL forms, 3-NDFL forms, certificates from relatives and the rest of the bureaucracy, and the package of documents required to obtain a profitable loan secured by an apartment is small.

Housing Finance Bank(BZD) is not the first year in the lending market and has managed to establish itself as a reliable player in this area. BDZ is a specialized mortgage bank with a high level of capital adequacy, which has been actively operating in the Russian mortgage lending market for more than 24 years.

Priority areas of activity:

• Deposits and safe boxes

The maximum amount that you can count on for a loan secured by real estate is 20.000.000 rubles, the minimum - 1.000.000 (up to 70% of the value of the object). Loan term from one to 20 years.

Leave a request online

Sberbank

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

So, you can get a non-targeted loan secured by real estate in Sberbank under the terms of an interest rate of 13%, for up to 20 years and in the amount of up to 10 million rubles. But, of course, this is not so easy to do, because. The bank imposes a number of requirements on borrowers.

In particular, it is necessary to know exactly the market value of mortgaged real estate, indicate the current level of income, marital status, average monthly expenses, and so on. Not counting the standard fields with the required amount and the period during which it is planned to repay the loan.

At the same time, the preconditions under which the loan will be granted if the application for its receipt is approved can be seen immediately by filling out the form on the bank's website.

In general, a good offer, but in order to get a really serious amount, you must meet all the indicators declared by the bank, which is far from always obtained.

Vostochny Express Bank: Loan secured by real estate

Looking ahead, I’ll say that it was this proposal that seemed optimal and most acceptable to our team among all the above options, which is why we put it in a separate paragraph.

It is one of the best solutions, first of all, because Orient Express fits almost perfectly into the title of this review, issuing loans for large amounts under a simplified system, without income statements.

What are the requirements for a borrower from Orient Express Bank:

• Age: 21 to 76 years old
• Insurance: Personal - at the request of the borrower, collateral - required.

Documentation:

• Passport
• Documents for collateral
• Sometimes, at the request of the bank, other documents may be required

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

RosselkhozBank

The conditions of this bank, in general, are similar to the previous one. All the same 10 million maximum amount for up to 10 years, but the minimum rate is slightly higher and amounts to 16% per annum if the loan is taken for up to 3 years inclusive, and 17% for longer loans. At the same time, an additional 3.5% per year can be charged if the borrower refuses life and health insurance during the loan repayment period.

But, the loan rate can also be reduced by 0.5% if you are a payroll client of RosselkhozBank.

You can see the preliminary terms of the loan, as well as assess your compliance with the requirements of the bank on its official website by filling out several fields of the questionnaire.

You can also apply for a loan online, but, of course, you will have to visit a bank office to receive it.

Yes, an additional function for borrowers is the ability to choose the method of loan repayment: annuity (fixed constant) and differentiated payments, when the amount will decrease every month.

VTB Bank of Moscow

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

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

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

You can find out the preliminary amount, as elsewhere, on the official website.

Later, at the time of filling out the application, the bank will request information about you and your financial condition.

In general, the offer is interesting, if you need a not too large amount, then getting it at the Bank of Moscow will be somewhat easier than in previous options.

It can be said that all three proposals described within the framework of the section do not differ so much from each other. Perhaps the most significant difference here is the requirements for the borrower, which are lower in the Bank of Moscow, but you need to look at the interest rate, knowing your capabilities in terms of income and the estimated loan term.

SovcomBank

Another bank ideally suited to the topic of this article and considering applications according to a simplified scheme.

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

You can fill out an application on the bank's website, and you only need to indicate the required amount and its repayment period, as well as your contact details: full name, date and year of birth, and region of residence. Questions about income are not asked here (at least, subject to the issuance of a loan secured by real estate).

Yes, as you can see, the conditions for obtaining are limited by the location of the property, so not everyone will be able to get a loan. But if it suits you, try it. The percentage of approval of applications here is higher than in other organizations.

National Mortgage Factory

Not so long ago, a new player appeared on the lending, mortgage and secured loans market - the National Mortgage Factory. This is a new player from the Region group of companies specializing in the mortgage lending market in Russia. By the end of 2018, NFI plans to scale up its business model by forming a federal business network of "electronic mortgage business".

Mortgage Factory provides the following services:

• Loans for consolidation (unification) of debts
• Loans for the purchase of real estate
• Flats, apartments, commercial real estate

We are talking about amounts up to 25 million rubles, transactions are processed within a day no commission.

A loan secured by an apartment in Moscow is a variety secured by property. It is also possible to build another apartment on the security of the existing one. The loan is distinguished by favorable conditions, because the bank is sure that the money will return to it.

Features of a loan for an apartment in Moscow

The main advantage of the loan is the low interest rate. Terms - up to 20 years. The amount of the loan depends on the appraisal of the apartment. Usually this is not more than 60 percent of the appraised value. Where to get a loan in Moscow? This question will not arise, because there are many proposals. You can even get a loan secured by a share in an apartment, but such an offer from Moscow banks is more difficult to find.

Until the debt is repaid, it will not be possible to sell, exchange or donate an apartment. Without the permission of the bank, no one can be registered for mortgaged real estate.

Banks that give a loan secured by an apartment impose requirements on real estate:

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

How to get a loan?

1. You need to fill out a pre-application form. This can be done both at the bank branch and online on the website. Attach documents (scanned or paper): passport, documents confirming financial solvency. This is not necessarily 2-personal income tax. Conditions for a loan secured by an apartment are more loyal. You can submit a certificate from the Pension Fund, an author's agreement, a real estate lease agreement, etc. to the bank.
2. Get bank approval for a loan. Urgent application is not processed, on average - 4 days.
3. Bring the documents for the collateral object to the bank and get approval for the property. You will have to pay for the valuation of the collateral and insurance of the apartment out of your own pocket.
4. Signing a loan agreement.
5. Making a pledge.
6. Receive money in cash or to a checking account.