A mortgage allows almost anyone to purchase a good home without having to save the required amount for many years. However, now the choice of banks offering this service is really diverse, which significantly complicates the choice for borrowers. One such organization is Nomos Bank.
To understand how its offers differ from the services of other lenders, it is worth studying to whom and under what conditions a mortgage is offered at Nomos Bank.
This credit institution is distinguished by its approach to customer service. Some conditions for obtaining a mortgage and lending itself differ significantly from the requirements of other banks, mostly in a positive direction.
And in particular:
Benefits of lending at Nomos Bank
It is worth considering each of these advantages in more detail in order to clearly understand how it differs from the offers of other lenders.
This is an obvious plus for the lender, since in other banks applications for a loan can be considered from several weeks to a month.
Moreover, not from the moment of application, but only after the provision of a complete package of documents. This efficiency is more convenient for any client.
Usually, in credit institutions, when applying for a mortgage, one manager can serve several borrowers at the same time, which makes the process much slower.
Basically, lenders make one of the mandatory conditions for the execution of the contract the purchase of housing in relative proximity to the bank in which the mortgage is taken.
This is necessary because:
This approach is convenient for lenders, but borrowers have to significantly narrow the field of choice. But Nomos Bank allows the purchase of real estate in any region of Russia.
In most large Russian banks, the client can only choose real estate from a developer who is on the list of accredited construction companies of the bank.
There are several reasons for this:
However, this also makes it difficult for the borrower to choose an apartment. Nomos Bank will be allowed to choose absolutely any construction company.
Nomos Bank is distinguished by more favorable mortgage terms. Here are the basic requirements that apply to all lending programs at the bank. More detailed information will be indicated in the list of conditions for a particular type of mortgage.
And the conditions of Nomos Bank are as follows:
Mortgage lending in Nomos Bank
One of the main features of Nomos Bank is that not only a citizen of Russia, but also of any other state can become a borrower. It is only important that a person be a resident of the Russian tax service and paid taxes on the territory of the Russian Federation.
In addition, these categories of citizens can take a mortgage:
However, individual entrepreneurs or legal entities can count on a mortgage in this bank only if their business has been successfully operating for more than two years.
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Other requirements of the lender include the following:
However, despite the rather loyal requirements of the lender to their borrowers, there are also categories of citizens who are not issued a mortgage.
These people include representatives of the following professions:
When applying, a potential borrower must provide a certain package of securities for consideration by the lender.
These documents must confirm your social status, income and so on. These include:
Mandatory documents for consideration of an application in Nomos Bank, as well as additional conditions for a mortgage
Foreign citizens must additionally provide their visa, permission to work in the Russian Federation, as well as confirm registration and the right to temporary residence in Russia.
For individual entrepreneurs and legal entities must bring the following documents:
In addition, at the bank branch you may be asked to bring additional papers. So a frequent request is to provide documents stating that you have current debts on loans. Thus, the employee will be able to calculate for you the optimal amount of the monthly payment, which will allow you to pay both loans at the same time.
Mortgage for business in Nomos Bank
For a clearer understanding of what Nomos Bank has to offer its potential borrowers, it is necessary to study and compare its various mortgage lending programs.
| The name of the program | Loan currency | Minimum interest rate | Maximum loan term | Additional condition |
|---|---|---|---|---|
| Apartment purchase | Rubles | 11.75% | 30 years | |
| Purchase of real estate | Rubles | 11.75% | 30 years | It is necessary to insure the solvency of the borrower or collateral real estate |
| Buying a house with land | Rubles | 12.75% | 30 years | It is necessary to insure the solvency of the borrower or collateral real estate |
| Down payment loan | Rubles | 11.75% | 30 years | It is necessary to insure the solvency of the borrower or collateral real estate |
| Overhaul | Rubles | 15% | 30 years | It is necessary to insure the solvency of the borrower or collateral real estate |
Mortgage lending at Nomos Bank is distinguished by an abundance of advantages and a minimum list of requirements. The borrower can apply for a loan of 30 million rubles, along with this, even without being a citizen of Russia.
My husband and I took out a mortgage from this bank in July 2011. All was good.
On the deal, we were promised excellent conditions. We said we always go to meet our customers. Plus, the question was immediately discussed about maternity leave. Where options were also offered. And here we are so happy and contented began to live in his apartment.
In April 12, we, as a young family, faced our first difficulty. I was fired from work, my husband’s salary is piecework, and in this, just a month, he received little, and we did not have enough to pay the payment. And then we immediately remembered the words of the bank representative: That if for some reason you cannot pay, then you can always contact the bank with a request to defer payment, which we actually did. We asked for just a couple of months to give us a reprieve. To which they received a negative answer. Well, there is nothing to do. I had to borrow from friends. Then, with grief over the fires, we got out of debt, but another surprise awaited us. (A pleasant one, actually).
In 2013, I became pregnant, and unfortunately, the pregnancy did not go very well, I was constantly in the hospital, which again led us to financial difficulties ... we had no one to borrow from and we made payments as far as possible. Well, a decent debt has accumulated. Our monthly payments are not small (and in December 2013, we finally slowly get on our feet. And we start paying ...
And in February 2014, we receive a subpoena. The bank filed a lawsuit against us... We arrive at the first hearing on 03/19/2014, where we explain our entire reason for the accumulated debt. To which the judge tells us that we would resolve this issue with the bank. We wrote an application for a deferral and that's what we actually did.
On 04/04/2014, my husband and I went to the bank branch, where we made out a deal at Taganskaya metro station, where we were told that Nomos bank had moved from them to Paveletskaya metro station, and here they have only one teller girl. As a result, the girl called someone for a long time and informed us that they did not write such statements at all. As a result, I asked me to connect with someone and explained everything myself ... and we accepted the application. By phone, I told the girl that we had a new court session soon and we needed to do it as soon as possible. She said well. As a result, my husband and I called the bank a day later. Silence. The application was not considered... and here on 04/15/2014 we are going to court again. And due to the fact that the issue has not been resolved... the court is postponed again for 2 weeks... we start calling, which is without success. We are connected to many people, but there is no answer (then we decide to go to the bank. From the Taganskaya metro station, as it was said earlier, the girls sent us to the Paveletskaya metro station. We went there, arrived, and as the girl who sits at the counter told us then there are no mortgage specialists there either (when I tried to find out where in which branch of the bank they were, she said that she did not know. Although she had a funny badge with the name of the bank we needed. I was surprised that the representative of the bank did not knows. I asked her to ask her colleagues, to which she gave us the call center number and that's it. We left the bank and immediately called this number, where the young man assured me that they were exactly on the Paveletskaya metro station, I, in turn, said that we were just that there was no one from there and there.
As a result, after a few minutes of argument, he said that they were on the Krasnye Vorota metro station. Well, what can we do, we went there .. nooo ... as it turned out that they were not there ... The girl from Otkritie Bank kindly called someone and got us the phone number of the head of the mortgage department, but warning that she was now in business trip.
A couple of days later I called the head of the department. She said that our case was transferred to the department for problem clients and all issues were resolved through them. She did not give me their phone number, but she promised to write them a letter asking them to contact us urgently. And then a day, two, three passes and silence, we try to contact her again, but not me, not my husband was no longer connected to her
And today, 04/28/2014, since the very morning, I have been trying to find ends by phone, I am connected to many people, including the department for working with problem clients, but they told me that the bank is doing this and not them at all ...
As a result, after an hour and a half, after listening to a lot of music and probably telling 10 people their problems, they send us to the Baumanskaya metro station, assuring us that we will find the answer there. But ... as it turned out, the Otkritie bank is also located there, and they naturally don’t know, but thank God we came across a girl who really wanted to help us and started calling everyone. It lasted more than an hour, the employees, as everyone agreed, shoved everything onto others, as if this is not my business and I do not do this. As a result, she found some Andrey, who told her that he had not seen our application at all and suggested that we write it again, and on 04/28/2014 we wrote a new application for restructuring.
Dear bank, we are a young family and a 3-month-old child, we kindly ask you to treat our request with understanding and meet us. After all, everyone has difficulties in life. We are not hiding and are ready to pay. Tomorrow, April 29, 2014, we have the 3rd court session, where we don’t even know what to say. I really do not want to be left on the street with a baby in my arms. Thank you.
Mortgage is gaining momentum in popularity every year. Potential borrowers "study" the websites of banks in search of the most profitable offer for themselves. It is understandable, mortgages are rarely taken for less than 10 years.
Most often, customers turn to large banks, believing that they can be offered the most favorable conditions there. But in reality, often smaller financial and credit organizations offer much better rates.
A mortgage at Nomos Bank has a number of advantages, and a variety of programs will allow you to choose the most suitable lending option.
The bank was founded in 1993, today it is part of one of the largest financial corporations in the country - Otkritie Financial Corporation.
Bank branches are not available throughout the country, they operate only in 57 large cities of the Russian Federation. The company is one of the 15 largest banks in the country, and does not stop its growth, actively opening new offices and increasing the pace of cash turnover.
For many years, Nomos has worked primarily with large corporate business. Now it is a universal organization that works not only with corporate client but also with individuals. Every year the package of offers from the bank grows.
In June 2014, it received a new name - FC Otkritie.
Eight programs are running in 2020 mortgage lending.
The bank offers quite favorable conditions for borrowers looking for real estate in the secondary market. Issued under the following conditions:
A loan for an apartment under this program can be obtained even at the stage when there is only a foundation pit in the place of the future house. But the choice of the developer will have to be approached with all responsibility, he must be accredited by Nomos Bank.
Some of the bank's partner developers offer preferential prices per square meter.
Conditions for obtaining a loan:
This program provides quite a wide range of possibilities. On it you can buy a spacious apartment, both in the secondary and in the primary market.
If the real estate seller is INTECO Group, the conditions are much more favorable:
Nomos Bank enables borrowers from other banks to close old loan and get a new one, for more favorable conditions. Mortgage refinancing in Nomos bank leads to a decrease in the annual rate.
As a result, the borrower is able to reduce monthly payment or shorten the term of the mortgage:
This program is provided specifically for the military, who participated in the savings and mortgage system.
Loan terms are quite favorable:
The Bank undertakes to carry out on-lending military mortgage.
Conditions for obtaining a loan:
Mortgage under maternity capital in Nomos Bank is especially popular.
This is a good opportunity to take advantage of financial state support and purchase more comfortable housing:
In this case, the program allows you to acquire new housing in all respects using maternity capital funds. The terms of crediting completely repeat the previous project.
To obtain a mortgage at Nomos Bank, you must meet certain parameters:
The bank honestly admits that it will not give a positive answer to obtaining a mortgage for citizens of certain professions.
Thus, bodyguards, bartenders, employees of network gaming clubs, casinos, workers not officially employed, crew members were at risk. sea vessels, regularly performing overseas transportation, realtors. All of them have inconsistent earnings, which is a big risk for the bank.
This set is not much different from a package of documents for a mortgage in any other bank:
These papers are quite enough to apply for consideration. But after receiving a positive response from the bank, this package will need to be supplemented with new documents.
There are several ways to submit an application for consideration to the bank:
The bank gives itself time to carefully study the potential borrower.
Officially, the term is 5 working days, but in reality the answer comes much earlier. If the application was submitted at the height of the working day, then the answer may come in 15 minutes.
It's time to start implementing the most important part of lending - the selection of suitable housing:
Often there is a dispute, which party should pay for paperwork for the purchase and sale of an apartment. These costs are entirely the responsibility of the seller. Although some buyers make concessions and take on half the costs.
This item is also listed in mortgage agreement
. Although the bank prescribes that this service is entirely voluntary, it is in the interests of the client to make this concession.
Refusal is fraught with sanctions. No, they will not refuse a mortgage, but the wallet will become much easier.
As soon as the client refuses property insurance against accidents and natural disasters, two points are automatically added to the interest rate. The same consequences would result from personal insurance life.
Any loan has both positive and negative aspects.
Advantages of mortgage lending from Otkritie Bank:
Disadvantages of mortgage lending:
If we discard all these unpleasant nuances, we can safely say that Nomos Bank's mortgage programs offer loans on very favorable terms.
Even when denied more big banks you can count on a positive response in this financial and credit organization.
We continue a series of articles on mortgage products of various banks. At Zanima.ru, we examined in detail the mortgages of the "giants" of the market: Sberbank, VTB24, Alfa-Bank and other large banks. Now consider the conditions of Nomos-bank.
Nomos Bank promises you a personal manager with whom you will resolve all issues related to obtaining a mortgage loan. A slightly strange proposal, of course, as far as I know, in all banks only one specialist services a mortgage transaction.
An application for a loan is considered in three days. Well, this is probably from the moment of collecting a complete package of documents (which usually takes a month).
What is not typical for all banks, Nomos Bank allows lending not only to Russian citizens, but also to "foreigners", the main thing is that they are tax residents.
Also, a loan can be provided to business owners, while personal income can be confirmed not only with a certificate in the form of 2-NDFL, but also with a certificate in the form of a bank. Business owners can additionally confirm income with management reporting data.
Nomos-bank immediately gives a “guideline” for income (in fact, a “hint” of the calculation will give / will not give a loan) - the size of the annuity payment can be up to 60% total income borrowers. This is also interesting, because usually banks consider that the payment on the loan should not exceed 30%, at best - 50% of the total income.
Mortgage Nomos Bank is characterized by loyal conditions for the down payment. The minimum down payment can be 10%, usually banks require at least 30% of their own money.
You can buy an apartment both in your own region and in another region (not necessarily where you apply for a mortgage loan).
Requirements for the borrower
So, who can count on getting a mortgage loan at Nomos Bank?
As we noted above: a citizen of Russia or another state, provided that he is an officially registered taxpayer. A loan can also be taken by an individual entrepreneur or founder legal entity, provided that the individual entrepreneur or LLC is registered and has been operating for more than two years.
The borrower must have a residence permit in Russia, at least temporarily.
Interestingly, a loan can be taken from the age of 18 (not many banks, I must say, can offer this option - usually 21-23 years old). Men of military age must provide documents confirming the granting of a deferment or exemption from military service or transfer to the reserve.
The length of service at the last place of work must be at least six months, and the total length of continuous labor activity must be at least one year.
Borrowers of certain categories cannot receive a mortgage loan from Nomos Bank, the bank maintains a list of clients to whom it will not provide a loan (according to the list of professions and the type of activity of the employing company). These include bodyguards, bartenders, waiters, employees working for individual entrepreneurs who do not have a seal, if the IP employer is your relative (well, this is logical: you can “draw” any income from a “relative”).
The documents
At Nomos Bank:
- passport - it's a matter of course;
- military ID for men under the age of 27;
- documents confirming your education;
- if you work in a company that does not have a representation on the Internet, you must provide a small certificate of the type of activity of the company;
- a certified copy of the work book and the employment contract (what if the contract is not open-ended, but urgent);
- certificates of marriage and birth of children, if available - a copy of the marriage contract.
As for the documents confirming your income, then for its “proof” you will need to provide a certificate in the form 2-NDFL.
When receiving additional income in the form of pensions, royalties, property rental income, you must provide the bank with the relevant agreements and payment documents, as well as a declaration in the form of 3-NDFL. So, if you did not pay taxes on the income received, then, alas, Nomos-Bank will not take into account such income for an additional assessment of your solvency.
Individual entrepreneurs and business owners provide tax returns(for simplified taxation systems) and financial statements according to the forms "balance sheet" and "profit and loss statement" for the last two years.
A small but important caveat: if you occupy a “top” position in business, you will have to bring copies of constituent documents (or rather, a “fresh” extract from the Unified State Register of Legal Entities) to convince the bank that you are not the owner of the business, but an employee - the highest manager.
You will also be asked to provide documents on existing loans (contracts and loan repayment schedules, as well as all payments or certificates from banks on the quality of debt performance). On the one hand, this is an additional waste of time for you, on the other hand, it is a 100% guarantee that you will not become a “victim of mistakes” in the credit bureaus.
Foreign citizens - taxpayers provide
- the passport foreign citizen;
- visa and work permit on the territory of the Russian Federation;
- a residence permit on the territory of the Russian Federation or a temporary residence permit;
- certificate of registration at the place of actual residence.
Mortgage program Flat
The classic mortgage for the purchase of finished housing in Nomos Bank is called "Flat". Within the framework of this program, a loan is given for the purchase of a finished apartment in the secondary market. The minimum loan amount is 500,000 rubles. The maximum amount is limited to 30,000,000 for Moscow, St. Petersburg and adjacent regions. In other regions - 15,000,000. The interest rate depends on the amount of the down payment and the loan term. The minimum rate of 11.25% will be if the down payment is 50 - 80% of the value of the acquired property, and the loan term is 3-7 years. Maximum - with a loan term of 16 to 30 years and an initial payment of 10 to 20%.
Note that these rates are valid when income is confirmed by a certificate in the form of 2-NDFL and full insurance of all types of liability. If at least one of the co-borrowers instead of 2-personal income tax provides a certificate in the form of a bank, then 0.25% will have to be added to the base rate. For individual entrepreneurs and business owners, their own "surcharges" are provided for the declared interest rates. If you fully declare all business income (read - pay taxes in full), then even in this case you will be added to the base interest rate of 1-1.25% per annum. If you confirm the income with management reporting, then 2-2.25% per annum will be added to the rate.
As for insurance, in case of refusal of life and health insurance, the interest rate increases by 5.50%. In case of refusal to insure the risks of loss of property rights, the interest rate increases by 1.50% (except for cases of purchasing an apartment through the participation of the borrower in shared construction).
Mortgage for shared construction
Nomos-bank is one of the few banks that are ready to give mortgages for a "share" - though only for those objects whose developers are accredited by the bank itself (their list is constantly updated on the bank's website. The minimum and maximum loan amounts will be the same. The interest rate is also depends on the term of the loan and the size of your personal money directed to the purchase of a future apartment. The minimum rate (12.25% - 12.75%) will be with a loan term of 3-7 years and an initial payment of 50-80%, the maximum - with a term of 16-30 years and an initial payment of 20-50%. After registration of a normal real estate pledge agreement, the rate will be lower by 1.25 - 1.5%.
Interest rate surcharges are the same as with a standard mortgage: for individual entrepreneurs, business owners, for lack of insurance.
Program Estate
Also, Nomos-bank offers a mortgage product "Estate" - in an organized cottage village. It is noteworthy that if in the case of a "share share" a loan is given only for the purchase of real estate from developers "friendly" to the bank, then in the case of cottages it can be purchased in villages (it is not clear what is considered a village from the point of view of the bank and what is not) .
If you do not have your own money to pay the down payment, Nomos-Bank offers to take a loan for the down payment secured by the property you already own - in fact, you get a mortgage without a down payment. under this program - the same as with an ordinary mortgage for the purchase of a finished apartment.
Free meters
Nomos Bank also has a somewhat "strange" (from my point of view) loan product"Free meters". As part of this program, it is proposed to take a loan secured by existing real estate, but only for the purpose of acquiring other real estate or participating in shared construction. At the same time, purposeful confirmation of use is required. Money– until then, the interest rate on the loan will be 4% higher than with a standard loan.
