License of the Central Bank of the Russian Federation: No. 2673

About the bank

Bank Tinkoff Bank has been operating in the financial services market since January 28, 1994. Included in the register of participants in the compulsory deposit insurance system. The head office is located at: 123060, Moscow, 1st Volokolamsky proezd, building 10, building 1.

The main source of funding for Tinkoff Bank is funds from individuals/legal entities and borrowings from the Central Bank of the Russian Federation. The organization is focused on attracting public funds for deposits, lending to individuals and legal entities, and servicing enterprises.

The credit institution offers the following types of services:
Deposits. 4 programs, maximum rate - 6.00%, maximum contract period and other conditions, see the pages of specific products. The most favorable conditions contain the offers SmartVlad (dollars/euros), SmartVlad (rubles), On demand.
Debit cards. 26 programs, the maximum rate on the balance of funds is 7.00%. Line of popular offers: Tinkoff BLACK METAL, Avon, Azbuka Vkusa BLACK EDITION.
Consumer loans. 3 programs, minimum rate - 9.00%, terms and restrictions are described in detail on the card of each offer. Popular products: secured by an apartment, secured by a car, cash.
Car loans. 1 programs, loan rate - 9.90%. "Hot" offers: Car loan.
Credit cards. 28 programs, minimum rate - 28%, grace period, special bonuses and discounts, popular programs: Tinkoff Drive, PFC CSKA WORLD, All Airlines WORLD.

Indicators of Tinkoff Bank in ratings in the Moscow region:
place in the ranking by assets - 18;
the amount in the rating by assets is RUB 557,909 million;
place in the ranking by deposits - 15;
the amount in the deposit rating is 165,438 million rubles;
place in the credit rating - 17;
the amount in the loan rating is RUB 119,558 million.

reference Information

Registration number: 2673

Date of registration by the Bank of Russia: 28.01.1994

BIC: 044525974

Main state registration number: 1027739642281 (28.11.2002)

Authorized capital: RUB 6,772,000,000.00

License (date of issue/last replacement) Banks with a basic license are banks that have a license whose name contains the word “basic”. All other operating banks are banks with a universal license:
License to carry out banking operations with funds in rubles and foreign currency (without the right to attract funds from individuals on deposit) (03/24/2015)
License to attract deposits from individuals in rubles and foreign currency (03/24/2015)
Licenses

Participation in the deposit insurance system: Yes

About Tinkoff Bank

Tinkoff Bank, known during its formation as Tinkoff. Credit Systems Bank, a Russian bank that operates in all regions of the country, was founded in 1994. A distinctive feature of Tinkoff Bank is that it was one of the first in Russia to refuse to work through branches, offices and ATMs. The fact is that client-bank interaction takes place via the Internet. This solved many problems, for example, Tinkoff Bank clients no longer need to stand in queues, which saves time, and the bank has also become more accessible: in fact, anyone can complete one or another banking transaction without leaving home. The high-tech and efficiency of Tinkoff Bank is appreciated by its client base, which is growing dynamically. In addition to the Internet, clients can use the telephone and use it to get advice from a specialist or sign up for a service.

In 2005, Tinkoff Bank JSC was included in the compulsory deposit insurance system; the bank also has all the licenses necessary for full-fledged operations. Tinkoff Bank provides services for

In 2019, Russian banks are offering many loan programs for the purchase of housing. Against this background, the proposal of the Tinkoff Credit Systems (TCS) company seems very interesting.

Tinkoff Bank was the first in Russia to act as an intermediary in obtaining a mortgage loan (brokerage services). He does not issue mortgages himself - this is done by a group of banks with which he has entered into relevant agreements.

He collects applications and forwards them to his partners. Having received a response from a potential lender, he familiarizes the applicant with the proposed conditions and accompanies the transaction until the property being purchased is transferred as collateral. For this he receives commissions from his partners.

Terms of mortgage lending in TKS

Since Tinkoff Bank itself does not issue loans, on its website it posted revised offers from its partners, where it indicated the minimum and maximum values.

Thus, Tinkoff Bank offers the following conditions within the framework of a mortgage:

• currency - Russian rubles;
• mortgage amount - 300.0-99,000 thousand rubles;
• issuance period - up to 25 years;
• pledge of property is mandatory;
• credit or life insurance - yes.

The interest rate depends on the type of housing purchased.

Housing in houses under construction (new buildings) credited at 6% and above. The down payment is 10% of the mortgage amount.

Tinkoff Bank mortgage secondary housing, apartments and shares in apartments (rooms) ready to lend at 8.25% or more with a down payment of 10%.

Construction of private houses, cottages and townhouses will cost bank clients a minimum of 9.75% annual rate with a down payment of 20%.

Based on the client’s solvency, individual lending conditions are developed. The lower the family income, the stricter the conditions and, consequently, the greater the overpayment for the mortgage.

Requirements for the borrower

Mortgages from Tinkoff Bank are available to individuals who meet a number of criteria. They are presented to mortgage loan applicants in order to reduce the risks of both the lender and the debtor.

• Citizenship. Applications for mortgages are accepted only from citizens of the Russian Federation. Stateless persons. they work directly with developers, receiving installment payments there under more stringent conditions.
• Registration. A loan for the purchase of housing can be obtained throughout Russia, without being tied to the area where the partner bank has a representative office. The only requirement is that the passport must contain permanent or temporary registration.
• Age limit. Mortgages from Tinkoff Bank in 2019 can be obtained by men and women aged 18 to 75 years. The main thing is that at the time of expiration of the loan agreement, the borrower is not more than 75 years old.
• Availability of a source of income. The bank's open offer states that the loan applicant must have a total work experience of at least one year and have worked in the last place for at least a month before submitting the application.

In fact, a mortgage is issued without complying with these conditions if other real estate is provided as additional collateral, in addition to the purchased housing, or documents (certificates) are provided about the availability of other sources of replenishment of the family budget. Thus, an officially unemployed client can obtain a mortgage loan.

• Credit history. The country's largest banks take a very careful approach to studying the CI of an applicant for a mortgage loan. In the case of Tinkoff Bank, a bad credit history is not an obstacle to obtaining a loan to purchase a home. Explained in mortgage insurance, down payment and collateral, which completely eliminates the lender's risk. Even if there is no payment after the funds are transferred to the developer, the bank will benefit.
• Co-borrowers. Married couples must act as borrower and co-borrower. There is no strict requirement to have co-borrowers. Their number should not exceed 4 people.

Required documents

The presence of collateral made it possible to reduce to a minimum the number of documents required for a mortgage.

1. Application. The application form for obtaining a mortgage is accepted on the bank’s website.

2. Personal identification documents. The identity of the applicant can be confirmed with an internal passport of a citizen of the Russian Federation. To do this, you need to scan all pages of your passport (including blank ones) and forward them to bank employees.

3. Confirmation of experience. The bank's requirement for continuous operation for a certain time can be confirmed:

• work book - you need to scan all pages and send to the bank;
• an extract from the work book, certified by a seal, is also scanned and sent;
• a certificate from the place of work or a copy of the contract, if maintaining work records is not provided for by law.

4. Certificates confirming the source of income. Considering that the loan is issued against the security of an apartment and a down payment, banks do not particularly focus on certificates confirming sources of income. All they need is a certificate in form 2-NDFL.

If the employing organization has a ban on issuing documents using this form, the certificate is provided according to a bank sample, certified by the signature of the manager and a round seal. In addition, the employer's stamp must be at the top of the paper.

It is also possible to take into account income from work under civil law and copyright contracts, when a certificate in form 2-NFDL cannot be provided in principle.

If it is not possible to provide documents according to clauses. 3 and 4, a mortgage can be issued at Dom.RF with just two documents:

• general passport;
• SNILS.

Rules for the use of maternity capital.

How to apply

You need to apply for a mortgage on the TKS website (https://www.tinkoff.ru/loans/mortgage/form/). To do this, in the “Mortgage” section you need to activate the “Submit an application” function. The form that appears on the screen must be filled out carefully. There are 3 steps:

1. The first line contains the last name, first name, and patronymic of the applicant, then the cell phone number with a SIM card in his name and email address are indicated.
2. Passport details and place of registration are entered in the appropriate fields.
3. The type of housing is indicated (the interest rate on the mortgage depends on this), its approximate cost, the client’s ability to make a down payment or whether Tinkoff chooses a mortgage without a down payment, place of work and a form of confirmation of the source of income, including refusal to provide relevant certificates.

You must fill out the form correctly, otherwise your application will be rejected at the first stage. Therefore, only after checking all the data can the application be sent.

What happens next follows the following algorithm:

1. A representative of Tinkoff Bank calls the mobile phone number specified in the application within 1-2 days and clarifies details that are not in the application form, and also dictates a list of documents that must be submitted to the bank electronically;
2. the applicant scans the listed documents and sends them to the calling bank employee by email;
3. Tinkoff Bank sends out a questionnaire and copies of documents to all its partners;
4. responses received from partners (positive) are sent by email to a future client of one of the banks;
5. the applicant studies the proposals received (mortgage amount, rate and duration of the contract) and selects the lender with whom he will work;
6. notifies a Tinkoff Bank specialist of his intention, who contacts the selected partner and agrees on the date and time for submitting the original documents and signing the agreement.

Advantages and disadvantages compared to classic mortgages

The concept of issuing mortgages through the Tinkoff Bank broker, developed by a group of banks, has both pros and cons.

The positive aspects include:

• significant time savings for the applicant when applying for a mortgage;
• remote submission of an application with one click to 11 financial organizations at once;
• signing a mortgage agreement without leaving home;
• minimum number of documents (only two);
• support in the process of signing a mortgage agreement by broker managers until the submission of documents on the collateral property and its insurance;
• the ability to choose from several offers.

In addition, a significant advantage is that Tinkoff Bank allows mortgages without a down payment.

A number of points attributed by many experts and observers to the advantages of such a mortgage loan are purely marketing ploys (advertising) and do not work in reality.

For example, an open offer from an intermediary bank states that the interest rate on a loan will be reduced by 0.25-1.5 points when an agreement is drawn up through an intermediary (broker). However, it will not be possible to really “feel” such a reduction - there are no clear criteria for creating individual mortgage loan parameters for each client. Therefore, you can write whatever you want here.

The second point is the statement of the group members that the client does not pay for Tinkoff’s services in finding and supporting mortgages. In their opinion, specific creditors pay. In fact, it is enough to raise the mortgage payment percentage by only 0.01 points, which seems like a trifle, for significant amounts to appear, sufficient to pay for brokerage services.

The disadvantages include:

• availability of credit for people with low legal and financial literacy, which does not allow them to objectively assess their ability to pay a mortgage and, as a result, a large number of seizures of collateral due to late payments (in reputable banks, such people are eliminated at the application stage);
• issuing a loan without a down payment - there is an overpayment of several hundred thousand rubles on the loan;
• mortgages are more expensive compared to VTB and Sberbank.

When choosing a lender, you should take into account all the above arguments. There are various situations in life, and Tinkoff Bank’s offer is often the only one that allows you to solve the problem of your own home.

Tinkoff partner banks for mortgage lending

The quantitative composition of Tinkoff Bank's partners in mortgage loans has not changed over the past few years and amounts to 11 participants. However, the list of partners itself is annually replenished with more stable financial and credit organizations. For example, in 2018, Gazprombank entered the TOP-3 Banks of Russia.

List of Tinkoff Bank partners for January 2019.

Tinkoff Bank partner banks	Rating	Official site
"DeltaCredit Bank"	44	www.deltacredit.ru
"Gazprombank"	3	www.gazprombank.ru
"Absolut Bank"	36	www.absolutbank.ru
"UniCredit Bank"	10	www.unicreditbank.ru
"URALSIB Bank"	21	www.uralsib.ru
"AK BARS Bank"	23	www.akbars.ru
"SMP Bank"	24	www.smpbank.ru
"Metallinvestbank"	76	www.metallinvestbank.ru
"Bank of Housing Financing"	217	www.bgfbank.ru
"Oriental"	34	www.vostbank.ru
Dom.RF (formerly AHML)	-	www.dom.rf

Mortgage refinancing in TCS

For clients who entered into mortgage agreements for housing loans during the economic crisis, when rates were very high, Tinkoff Bank has developed a mortgage refinancing program. Submitting an application, reviewing it and signing an agreement is similar to obtaining a mortgage. Here the bank also acts as an intermediary between lenders and clients.

The peculiarity of the refinancing program is that you can increase the initial loan amount and use maternity capital to repay the loan.

For refinancing a Tinkoff mortgage, the conditions are as follows:

1. For apartments in buildings under construction and in the secondary market (ready-made housing market):

• interest rate - from 8%;
• loan amount - 300.0
• 99,000.0 thousand rubles;

2. For the construction of a house or cottage:

• interest rate - from 9.9 points;
• loan amount - 300.0
• 99,000.0 thousand rubles;
• loan term - up to 25 years.

Is it possible to get a mortgage without a down payment?

There are often situations in life when monthly repayment of mortgage debt is possible, but there is no money for a down payment. Tinkoff Bank predicted this situation and found a solution - real estate is provided as collateral instead of the first payment. There is only one downside to this solution to the problem - huge overpayments on the mortgage:

• high rate - starts from 11 points;
• interest is calculated on the amount of the initial payment;
• the work of property valuation experts is paid;
• an insurance policy is purchased for the mortgaged property.

Is it possible to get a mortgage using two documents?

This group of companies, united by Tinkoff Bank, is ready to provide a mortgage loan according to two documents:

• Dom.RF - according to your passport and SNILS;
• the rest of the group members - according to their passport and f. 2-NFDL.

However, a careful study of the application form shows that a mortgage can be taken out using one document - a passport.

Tinkoff Mortgage works with different types of real estate in the primary and secondary markets, residential and commercial properties; helps to conduct mortgage transactions with various types of contracts, finds opportunities for lending to properties with redevelopment and other difficulties.

Features of Tinkoff Mortgages for each type of real estate: conditions, interest rates, advantages, as well as disadvantages, will be discussed in detail.

General requirements for obtaining loans through Tinkoff Mortgage

Types of real estate

Tinkoff Mortgage offers loan products where the following types of real estate are used as collateral:

• apartment in a new building;
• apartment on the secondary market;
• house or cottage;
• townhouse;
• apartments;
• room, share in an apartment;
• commercial real estate.

Apartment in a new building

Through Tinkoff Mortgage, you can purchase a residential property under construction or already built, for which ownership has not yet been registered.

When lending for primary housing, banks impose certain requirements on development companies, their reliability, availability of permits, as well as on construction projects. Each credit institution has a list of already accredited facilities.

When choosing an apartment from this list, the borrower does not need to present the bank with the developer’s legal documents and documentation for the property. The application review time is also reduced.

In some cases, an appraisal of the property being purchased in a new building may be required, for example, when the contract specifies an amount less than the real value of the property.

Through the Tinkoff Mortgage service for new buildings, a loan can be obtained using various schemes and types of agreements:

• under an equity participation agreement (DPA);
• by concluding a preliminary purchase and sale agreement;
• under an agreement on the assignment of the right of claim (cession);
• through participation in housing construction cooperatives (HBCs).

IMPORTANT! Apartments purchased through participation in housing cooperatives are not covered by the state mortgage lending support program.

Pros of the new building:

1. The cost of primary housing is less than the cost on the secondary market. The lower the percentage of the object is ready, the lower the price.
2. New modern housing, new communications.
3. The loan rate is usually lower.
4. Possibility of receiving a reduced rate due to government subsidies.

1. The risk of delaying the delivery of the project or bankruptcy of the construction company.
2. Before putting the property into operation, it is necessary to simultaneously pay the mortgage and rental payments for rented housing.
3. There may be a lack of developed infrastructure in the new microdistrict.
4. Undeveloped local area, lack of playgrounds, etc.

The Tinkoff Mortgage service offers several types of loans secured by an apartment in the primary market:

• Tinkoff Mortgage with a reduced rate from 6% (with state support), down payment from 10%, term up to 25 years. It is possible to use maternal (family) capital (MSC).

If there are no funds to pay the down payment, you can take out a mortgage secured by another property. You can also use maternity capital funds as an advance payment.

Apartment on the secondary market

A Tinkoff Bank mortgage for secondary housing is one of the most popular and affordable solutions to the housing issue.

Advantages of secondary apartments:

1. You can live in the purchased apartment immediately.
2. As a rule, secondary apartments are located in areas where there are already kindergartens, schools, and medical institutions.
3. When choosing an option, the secondary apartment can be inspected, while the primary home sometimes exists only in plan.

1. Old houses have old communications.
2. Possible proximity to socially disadvantaged people.
3. Little parking space.
4. There may be problems with the legal purity of documents, rent arrears, etc.

The Tinkoff Mortgage service offers several types of loans secured by secondary apartments:

• Refinancing from 8.25%, term up to 25 years.
• Tinkoff Mortgage from 8.25%, down payment from 10%, term up to 25 years. It is possible to use maternity capital.
• Loan for any purpose from 11.25%, term up to 20 years.

Tinkoff Mortgage secured by a house or cottage

A house is an individual object. This type of property is often found on the outskirts of cities or in suburbs, villages or towns.

A cottage is a small residential building. Most often, cottages are located in cottage villages outside the city, have the same layout and central communications.

The main difference between a private house and a cottage is its size. The area of ​​the house is usually about 100 sq.m., while cottages can be up to 500 sq.m. Houses with an area of ​​over 1000 sq.m. already refer to mansions or estates.

The procedure for obtaining a mortgage from Tinkoff Bank to purchase a house or cottage is similar to the procedure for purchasing any other property. You need to submit an online application, wait for the bank’s decision, collect documents for the building and the land underneath it, make an assessment of the property, get approval from the lending bank, sign an agreement, get a loan and pay for the purchase.

Advantages of purchasing a private home:

1. Individual housing, no neighbors.
2. Open plan, opportunity to expand living space.
3. Availability of a personal plot and additional buildings.

1. Travel time increases.
2. Possible lack of infrastructure.
3. The cost of a vacation home is often higher than an apartment or townhouse.
4. Independent solution of utility problems.
5. The cost of maintaining a house or cottage is usually higher than an apartment.
6. A house appraisal report is more expensive than an apartment appraisal, because... Not only the house is assessed, but also the land plot underneath it.
7. The down payment is larger than for an apartment mortgage.
8. The loan application review process takes longer.
9. There is no way to get a loan without submitting income documents to the bank.

Through Tinkoff Mortgage you can get a loan secured by a house or cottage under the following programs:

• Tinkoff Mortgage from 9.75%, down payment from 20%, term up to 25 years. It is possible to use MSC.

You can get a loan through the Tinkoff Mortgage service for the construction of a house or cottage by providing another property as collateral, possibly owned not by the borrower, but by a third party.

Townhouse is a low-rise building consisting of several interconnected multi-level (2-3 storey) apartments, usually with separate entrances (without a common entrance). Most often, each townhouse apartment has its own garage and a small plot of land.

A townhouse can become a transitional stage between a city apartment and a country cottage.

Pros of a townhouse:

1. Minimum neighbors. There are no neighbors above or below.
2. A small private plot of land on which you can put a gazebo and barbecue.
3. Fresh country air.
4. Own garage and parking space.
5. Comfortable housing with a larger area for the price of a two-room city apartment.
6. Maintenance is cheaper than maintaining a country cottage.

Communal issues: cleaning, garbage removal, landscaping, security - are most often organized centrally.

1. Travel time to the city increases.
2. There is not always a developed infrastructure: lack of shops, pharmacies, schools and kindergartens.
3. Additional payment for maintenance of the village territory.
4. When purchasing with credit funds, the down payment is higher than when mortgaging an apartment (from 20%). If a townhouse is purchased through participation in a housing cooperative, the down payment may be even higher.
5. The cost of the appraisal report is higher than the appraisal of the apartment.

The Tinkoff Mortgage service offers several types of loans secured by a townhouse:

• Refinancing from 9.9%, term up to 25 years.
• Tinkoff Mortgage from 9.75%, down payment from 20%, term up to 25 years. It is possible to use maternity capital.
• Loan for any purpose from 16.5%, term up to 15 years.

The package of documents depends on the selected creditor bank and loan product, the type of agreement on the basis of the acquisition, the developer’s documents (for a new building), and the status of the land plot under development.

Apartments are apartments located in a non-residential building.

Advantages of the apartments:

1. The market and cadastral value is 20-50% lower than the cost of an apartment comparable in area and location. The more prestigious the location, the greater the difference in price.
2. Hotel service in many complexes.
3. Free layout. There is no need to coordinate the redevelopment with government agencies.

1. You cannot receive subsidies for housing and communal services and other social guarantees and benefits, since apartments do not fall under the category of residential real estate.
2. The property tax rate is 0.5% of the cadastral value, i.e. higher than for apartments (0.1%).
3. You cannot obtain permanent registration at your place of residence.
4. It is impossible to use maternal (family) capital when purchasing apartments or obtaining a mortgage from Tinkoff Bank.

Through the Tinkoff Mortgage service you can obtain the following types of loans secured by apartments:

• Refinancing from 8.25%, term up to 25 years.
• Tinkoff Mortgage with a rate of 8.25%; advance payment from 10%, term up to 25 years.

The purchased apartments must meet the following conditions:

• location in a separate non-industrial building of at least 2 floors, not subject to demolition or reconstruction;
• availability of a bathroom and connection to all central communications.

The composition of the package of documents for the purchase of apartments is similar to the package of documents for the purchase of an apartment, and depends on the selected bank and loan product, as well as the type of contract underlying the acquisition, and developer documents (for the purchase of apartments at the construction stage).

Room/share in apartment

Through the Tinkoff Mortgage service, you can purchase a room or share only if the borrower already owns the remaining square meters in the apartment, and after acquisition and registration will become the owner of the entire property. In this case, the entire apartment will be issued as collateral to the creditor bank.

You can purchase shares or rooms in an apartment through Tinkoff Mortgage at a rate of 8.25% (lower than some partner banks by 0.5%); minimum advance payment 10%, term up to 25 years. It is possible to use maternity capital.

Commercial real estate

Tinkoff commercial mortgages are provided only for the purchase of ready-made retail and office premises located in permanent buildings within the city limits.

Features of lending secured by commercial real estate:

1. The Tinkoff mortgage rate is 2-4% higher than for loans secured by residential properties, since commercial properties have less liquidity. If the borrower stops paying the loan, it will be more difficult for the bank to sell the collateral.
2. For the same reason, the size of the down payment is higher than for a mortgage on residential properties.
3. The cost of appraising a commercial property is 30-50% higher than the cost of appraising a residential property or home.
4. The loan term is up to 10 years, while those secured by residential real estate are up to 25 years.

Tinkoff Mortgage for individual entrepreneurs, lawyers, notaries, founders of LLCs and simply for individuals employed, offers several types of loans for the purchase and/or secured by commercial real estate:

• Refinancing an existing loan.
• Mortgage from 14.5%, term up to 10 years, advance payment from 40%.
• Loan for any purpose from 22%, term up to 10 years, amount up to 15 million rubles.

The package of documents depends on the selected bank and loan product, the type of agreement based on the purchase, as well as the borrower’s source of income.

The article examined in detail all types of real estate that Tinkoff Mortgage works with, their pros and cons, and the features of processing mortgage transactions. The borrower’s task is to assess his financial capabilities, select an object for purchase, a lending program and submit an online application through Tinkoff Mortgage.

A favorable mortgage from Tinkoff without a down payment pleases many lucky people who own their own home. Use the Tinkoff “mortgage calculator” service to find a suitable loan amount for yourself and see the approximate payment amount. No need to travel anywhere, registration via the Internet.

It's easy to get the missing amount. Contact Tinkoff Bank and get an answer. A lending institution will help you take out a mortgage without any unnecessary questions or problems.

A special feature of mortgage lending at Tinkoff is receiving a loan not from the bank itself, but from partners. The bank helps you get a discount from 0.25 to 1.1% on the rate. This is more profitable than contacting the bank directly.

Tinkoff specialists send the future borrower’s questionnaire to the organizations with which they signed a cooperation agreement. These are the banks:

• Uralsib;
• Trans Capital;
• AK BARS;
• Housing Finance Bank;
• Absolute;
• UniCredit;
• Interkommerts;
• Metallinvest;
• DeltaCredit;
• Investtorgbank;
• Oriental.

In turn, Tinkoff provides certain services to borrowers:

1. Providing consultations on mortgage products of partner banks.
2. Reception of the questionnaire, documents and the first check of the accuracy of the information provided.
3. Help with mortgage calculations. Loan calculation online.
4. Intermediation services with appraisal and insurance companies.
5. Conducting negotiations to regulate conditions between the partner bank and the client.

Services are provided free of charge. Partners pay for everything. In fact, it turns out that Tinkoff is looking for clients for other banks.

calcus.ru

Mortgage loans are issued for new apartments, rooms, houses, cottages, townhouses, for secondary housing, for construction and purchase of land using individual housing construction.

How is a mortgage arranged?

The procedure for applying for a housing loan looks like this:

1. We visit the Tinkoff website tinkoff.ru.
2. Click on the “Leave a request” button.
3. We enter information about ourselves, work, and residence in the lines. Write as authentically as possible.
4. Submit your application.
5. The manager will call the phone number indicated in the form. He will clarify all the details, your intentions and ask you to provide scanned documents electronically.
6. The application will be submitted to partner banks for consideration.
7. The answer will come. If several banks have offered you a loan, choose the ideal option for yourself.
8. Then you must look for a home to buy.
9. After choosing, you need to go to the bank and find out what documents are needed to complete the transaction. Collect all the papers from the list.
10. The documents are checked, and the bank makes the final decision.

Who will get a mortgage approved?

Anyone who meets the requirements set by the bank can get their own home through a mortgage:

• Availability of Russian citizenship.
• Age over 21, but not over 75.
• Having a job and work experience for more than a year.
• A person must work at one place of work for at least a month.
• Availability of co-borrowers. Usually up to 4 people are involved.

Conditions

Mortgage at Tinkoff - conditions in 2019 with a calculation calculator is quite clear and simple. Banks provide mortgages for the purchase of housing according to the following requirements:

1. The loan amount is not less than 300,000 rubles.
2. The term is set from 25 to 30 years.
3. Down payment of at least 15%.
4. Rates start from 10.5%.
5. The loan is only in rubles.

If there is targeted lending with collateral (the housing itself or land being purchased), then the following conditions apply:

1. The amount is no more than 70% of the assessed value of the property, but not less than 300 thousand rubles.
2. Lending period is 25 years.
3. No fee.
4. The minimum percentage is 13.35%.

Mortgage calculator Tinkoff

Set your region. Indicate the amount you would like to borrow for mortgage lending. Then use the slider to indicate the amount for the down payment (any). Indicate how much you would like to pay each month. Information about the mortgage size, monthly payment and bank offers will be updated above.

Advantages of cooperation with Tinkoff

Mortgage lending through an intermediary bank, in our case Tinkoff, looks quite profitable. Why:

• Tinkoff provides a discount on annual interest. Its size is up to 1.1%.
• By leaving one profile at Tinkoff, you receive offers from partner banks. You can choose the most favorable conditions for you.
• There is no need to visit bank branches to apply. Online mode is available 24 hours a day.
• Insurance and real estate valuation are carried out through Tinkoff.
• There is no commission for mediation and provision of services.

Loyal conditions of Tinkoff partner banks help you get the most profitable loan for real estate. Save time by submitting an application online and visiting the bank office only once.

Fill out the application in the form below and find out the bank’s decision immediately after filling it out online. ↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓↓