An online application for is a questionnaire that can be filled out on the bank's website and sent via the Internet. Bank managers will process the information from the application, check the client's credit history, and then issue a verdict. The bank's decision is communicated within a few days. Bank employees can call, write a letter to email or send an SMS.
The necessary documents are provided to the bank after sending the loan application and receiving a response from. You can apply for a mortgage online if you leave the following data:
Banks are reluctant to lend.
You can apply for a mortgage not in one bank, but in several at once. This will increase your chances of getting a loan. Before applying, we recommend that you calculate payments using the loan calculator. You need to enter information about the loan amount, term and Extra options. The calculator will show the amount of monthly installments and the overpayment for the loan.
Online mortgage is a relevant service for Moscow residents. concentrated in the capital a large number of banks, so it is physically impossible to independently go around them and study the conditions of lending. Therefore, it is necessary to use specialized services in order to obtain up-to-date information about the possibility of teaching, without down payment, using maternity capital or on other terms.
Applying for a mortgage in Moscow online is easy. It is enough to do the following:
An application for a mortgage in all banks accepts in the form of our website. You just need to fill in the information in accordance with the interlinear. In a few minutes, bank employees will call back to ask a few additional questions. Based on the results of a telephone interview, it will be clear whether it is possible in a particular case at the selected bank.
An online mortgage application is subject to certain eligibility requirements. They are usually the following:
However, some banks may tighten them. In particular, sometimes an additional total experience of 5 years is required.
Online application for mortgage in Moscow allows you to get several advantages at once, namely:
You must understand that the use of our site will allow you to get the approximate cost of repaying the debt. However, the client will have the exact information when signing the contract, since everything is calculated individually.
Mortgages are one of the most popular loan products. Making a loan for housing is a lengthy undertaking that requires a lot of effort and time from the borrower. For those clients who want to simplify and speed up the process of obtaining a loan, many banks have developed a new service - online application for a mortgage.
An online mortgage application is an electronic form that a potential borrower fills out and sends to the bank for consideration via the Internet.
An online application has some advantages over the form issued at the office of a credit institution:
Disadvantages of online application include:
The listed disadvantages are rather conditional, since the borrower can find out all controversial issues over the phone. Therefore, applying for a mortgage via the Internet is quite justified and expedient.
Today, many banks allow you to apply for a mortgage loan via the Internet. This service is interesting for both new borrowers and regular customers of financial institutions. The online application service is available in many Russian banks.
Sberbank– submission of an application and preliminary agreement of credit conditions online.
Gazprombank offers two options for solving a mortgage issue via the Internet:
VTB 24 considers online applications only from participants in the bank's salary projects. In addition, there are additional features of online mortgage registration:
A detailed online application form for a mortgage is provided in AK Bars Bank. All borrowers can count on applying for a loan via the Internet, regardless of their availability. salary card jar. AT UniCredit Bank and RaiffeisenBank You can apply online for a preliminary consultation on a mortgage loan.
AT Rosselkhozbank,Alfa bank, Bank of Moscow, Promsvyazbank, Rosbank and Moscow Credit Bank apply for a mortgage online. Clarification of questions on the financial condition of the borrower / co-borrower, the property takes place over the phone.
AT bankSt. Petersburg There is no online home loan application service. Here you can only apply for a preliminary calculation of the mortgage. Bank Russia until he developed an online mortgage application service. The borrower has the opportunity to familiarize himself with the questionnaire on the bank's website, which will need to be filled out at the office financial organization.
The conditions for obtaining a mortgage through the Internet in different banks are different. However, there are a number of requirements that lenders put forward to their borrowers:
Advice! If the borrower is ready to pay more than 50% of the down payment on his own, then he can get a mortgage without additional security (guarantee). This point is discussed with a bank specialist over the phone, after reviewing the loan application.
You can send an online application for a mortgage from the official website financial institution. The corresponding button is usually located in the "Individuals" - "Loans" - "Mortgage lending" section.
In Sberbank and VTB 24, the "Apply Online" option is located on the pages of each mortgage product. You can apply at Alfa-Bank through the Mortgage Calculator program.
Clients of Uralsib Bank and Sberbank can fill out a “credit” form in their personal electronic account (Sberbank-online and Uralsib Internet-bank, respectively).
As a rule, a potential borrower must enter the following data:
2. Information about the source of income:
3. Information about the property:
4. Information about family expenses:
5. Parameters of the requested loan:
Advice! When filling out the questionnaire, you must provide the most complete and reliable information about yourself, your income and existing property. The bank employee will evaluate the reliability and solvency of the borrower from the data of the loan application.
When applying, the income clause should be taken especially seriously, since it is precisely financial condition The borrower plays a critical role in determining the amount and term of the mortgage.
The main ways to confirm the income of a potential borrower:
Advice! Some banks, in the absence of officially confirmed income, agree to issue a mortgage, but subject to an increase in the interest rate on the loan by 1-3 points. As a guarantee of settlement of obligations, the client can offer the bank additional collateral, preferably real estate or vehicles.
In order to make the right decision and choose the optimal mortgage program, you need to compare the conditions of different banks. First of all, borrowers pay attention to the following parameters of the loan product:
Before submitting a loan application for approval, it is advisable to adequately assess your capabilities and calculate the mortgage online. To do this, you can use the Mortgage Calculator program. The settlement service is available on the official website of each of the banks that is engaged in issuing housing loans.
For calculations, you will need to enter the following data:
After entering all the information, just click on the "Calculate" button and summarize.
Mortgage Calculation Example. The borrower wants to buy an apartment on the secondary market worth 3,000,000 million rubles, the accumulated amount for the down payment is 600,000 rubles. (twenty%). Monthly official income - 50,000 rubles. The client receives a salary on the card of the Russian Agricultural Bank, and plans to apply for a mortgage in this financial institution. The approximate maturity of the loan is 10 years.
Calculation procedure:
4. Indicate consent to comprehensive insurance and providing documents on registration of a mortgage in favor of the bank.
5. Evaluate the results.
Based on the results, we can conclude: with the entered parameters, the amount to be received will be 1,938,523 rubles. If the borrower does not agree to purchase more affordable housing (no more than 2,538,000 rubles), then you can increase the repayment period to 20 years and recalculate.
The calculation results show that the borrower will be able to issue the requested mortgage (2400000 rubles) for a period of 20 years at 19% per annum. The settlement rate increased by two points due to the extension of the repayment period (risks for the bank increased). In this case, the amount of the monthly payment will be almost 39,000 rubles.
There are two options for calculating the loan repayment schedule: annuity and differentiated.
At annuity method the payer pays the total amount of the debt (loan body + interest) monthly in equal installments. In this case, the "load" on the client is less, but the total overpayment on the mortgage is greater.
Differentiated repayment- the main debt is distributed in equal parts, and the interest decreases every month. From the point of view of savings, this method is more beneficial for the borrower. However, it can be difficult for a client, especially at first, to make payments.
Choosing one or another method of repayment, you need to calculate the mortgage and evaluate the result of each of the options.
The difference in repayments can be seen from the calculations using the parameters of the previous example (loan amount - 24,000,000 rubles, down payment - 20%, term 240 months, income - 50,000 rubles). After entering the data and selecting in turn different ways repayment can be summed up.
It can be seen that the amount of monthly payments for annuity repayment (38,897 rubles) is more acceptable for the client than for a differentiated one (48,000 rubles).
Advice! When choosing a repayment method, it is important to correctly assess your own capabilities. A more profitable (in terms of savings on interest) differentiated schedule may be unbearable for the borrower, and lead to delays. It is better to play it safe: choose a more convenient and “loyal” annuity calculation method, and, if possible, close the loan ahead of schedule.
Applying for a mortgage is simple, accessible to everyone who wants to buy real estate on credit in a way to save money and time. Implementation of innovative technologies in all spheres of life modern man brings tangible benefits to specific inhabitants. In the past, there are tiring hours of standing in lines, running around different windows with tired consultants. Internet banking visually demonstrates to the user of the worldwide network the proposed loan conditions, allows you to remotely submit documents, quickly learn about the solution.
Suspicious people, representatives of the older generation are absolutely in vain suspicious of modern technologies. It must be understood that Sberbank's decision to provide services for accepting and processing mortgage applications online is based solely on economic calculation and customer care. Applying via the Internet is equally beneficial for the bank and the person being lent. The transition of the service sector to the worldwide network is absolutely transparent for both parties, does not carry hidden fees, pitfalls.
The benefits for the lending institution are as follows:
The policy of developing technologies of the future allows Sberbank to be in the forefront of the country's innovative credit institutions, constantly improving its service.
It has become more convenient for those who apply for loans to purchase personal real estate to conduct a dialogue with the bank. There are a number of forms of comfort feedback. You can use the proposed methods without leaving your home, sitting on the couch. Along with Sberbank Online, you can contact a consultant through the website using the built-in chat window. Free hotline for calls, the function of contacting through the feedback form indicating the desired method of receiving an answer - by e-mail, SMS.
Modern Internet technologies provide customers with the following advantages:
The process becomes easier and more accessible. saved during online registration it is better to direct forces and means to repay the loan without wasting it.
All countries have laws on the storage, processing, access to personal information of customers. Sberbank complies with government requirements and constantly improves the cybersecurity of online products. The work with the information provided is carried out professionally, it is not issued to third parties. No need to worry about the security of sensitive personal data.
It is recommended to comply with the requirements of the bank for the entered information. The data must be true, not used for the purpose of deception, fraudulent schemes. Violation of the rules, legal norms leads to disapproval of the provision of a mortgage, the liability provided by law to the controlling state bodies.
It is recommended to make sure that the user observes elementary online security measures. The address bar of the browser you are using indicates the security of the connection, the anti-virus program is active with the latest database updates. Personal information can only be entered on the official website of Sberbank.
A credit institution will require a standard set of information from a person applying for a mortgage:
The fields to fill in are equipped with the function of automatic initial verification of the entered information. If violations are made, the color of the line will change to warning red, the form with incorrect information will not be sent to the server. The program will be able to determine the correct number of digits in a phone number, document, but is not able to track their correctness. It is better to enter data without haste, with attention to each sign.
A package of documents necessary for considering an application for a Sberbank mortgage online can be provided in digital form. It is enough to scan the files, take a picture on a mobile device. It is recommended to carry out the procedure in advance. Make sure the quality of the resulting digital copy. When working with the site through a personal computer browser, send copies from your phone, tablet to a separate folder on your hard drive. Documents are valid for no more than a month from the date of issue. A passport, a certificate of income for the last six months, confirmation of the presence of a permanent place of work are provided.
To apply for a mortgage online on the Sberbank website, the procedure is as follows:
After completing the manipulations on the site, you should expect the verdict of the credit institution.
The internal rules of the financial organization regulate the consideration of the appeal within two working days. Financial experts emphasize that the correct, accurate filling of information reduces the decision-making time to one day. With a good credit history, the presence of the required package of documents with proof of solvency, a positive decision will not keep you waiting long.
For many Russians, improvement living conditions is a hard-to-realize goal, and the acquisition of new “choirs” generally remains only in dreams. Some save money, thinking that in the future they will be able to raise the necessary amount to buy an apartment or house, but their purchasing power is only reduced by inflation and spending. However, in this situation, the solution is mortgage credit lending. For such a solution to be profitable, you should know where it is better and how to get a mortgage, compare offers from Russian banks, and choose the best one.
Now is a good time to apply for a mortgage. By far the most affordable rates. If earlier creditors took 12-13% per annum, now there is a record low level, the cost of a mortgage loan fell to 9.50% per year. But this is not the limit. It is assumed that mortgage banks will serve mortgage borrowers at 8% per annum.
Such conditions may await us by the end of 2018, and in 2019, it is quite likely that the interest rate will be reduced to 7%. Against this background, 50-80% of transactions in the residential real estate market are concluded through mortgage lending, more than 4 million people repay housing loans. Benefits are received not only by new borrowers, but also by existing ones, since financial institutions give them the opportunity to refinance existing loans.
This allows individuals to save significantly (15-20% of the monthly payment). By the way, the share of mortgage refinancing will also grow. By providing this product, banks will not bear the risks, on the contrary, they will benefit from its distribution. Mortgage refinancing will lead to a decrease in the payment, and, consequently, the credit burden on the family budget. If payment is made according to the annuity system, the savings will be about 20%.
This suggests that it will become easier for the client to repay the debt, which means that he is likely to cope with the debt obligations he has assumed. But some citizens have a question: “If everything is so good, and in the foreseeable future rates will become even lower, then maybe it’s better to take out a mortgage later?”. It is more expedient not to postpone the purchase of housing, especially when it is needed urgently.
Looking for the right offer, you may miss good option. In addition, people who managed to get a mortgage, as practice shows, repay it ahead of schedule. This means that many borrowers are able to quickly cope with debt obligations and reduce the final overpayment by several times.
There are a number of other aspects in which a person intending to apply for a mortgage needs to be aware, for example, the optimal loan parameters. We note right away that they are not, because. everything is individual in each case. But here are a few general tips for you:
The size of the monthly payment is also important for the future owner of the living space. Again, this information will be given to you by the lender himself. This payment is calculated depending on the level of your income, and cannot exceed 40-50% of the salary (after taxes). Redemption can take various forms:
You can choose a suitable loan program with the help of a mortgage broker. Services are paid, but this will greatly facilitate the whole process for you. The specialist looks for banks where you can get a mortgage, selects the best loan conditions, and assists in the preparation of documentation. If the borrower is not ready for such expenses, you will have to do everything yourself.
The editors of the site "Take a Credit!" analyzed dozens of offers from popular Russian banks and prepared a selection for you. But first, we will describe the scheme of actions necessary to be performed in order to purchase housing at the expense of credit funds. Step-by-step instruction as follows:
| Loan program | Sum | Term | Bid | An initial fee |
| Reduced rate mortgage | up to 99,000,000 rubles | up to 25 years | from 6% per annum | from 10% |
| Mortgage with mother capital | up to 99,000,000 rubles | up to 25 years | from 6% per annum | from 10% |
| Mortgage with state support | up to 3,000,000-8,000,000 rubles | up to 25 years | from 6% per annum | from 20% |
| Real estate loan | up to 99,000,000 rubles | up to 20 years | from 9.90% per annum | - |
* Tinkoff Bank does not currently specialize in mortgages
Tinkoff Bank is an intermediary in issuing home loan, i.e. broker. It has partnerships with other lenders where it sends your online application for review within 2-4 days. Tinkoff helps you get a mortgage at a low rate and choose a bank with the best programs.
A personal manager works with each client, who provides support in: collecting documents, organizing a transaction, finding real estate in the primary market and a suitable insurance company. If necessary, he can advise a good realtor. By the way, in order to get a mortgage, you do not need to collect documentation for each bank. Tinkoff itself will transfer 1 package to all partners.
And he cooperates with such commercial organizations, how:
If your request is successful, 1 visit to the bank will be enough to sign the contract. To apply, you need to upload online passport and proof of income. If the borrower wants to become an individual entrepreneur, the list of his documents is longer: passport, PSRN, TIN, tax certificates and a declaration. The most acceptable conditions are set for apartments and apartments.
Those Russians who confirm income initially contribute from 20%. For a greater reduction in the rate, it is recommended to take out insurance for the health and life of the borrower. Also profitable will be: buying an apartment from developers on promotional offers, mortgages at a preferential state program. For existing debtors, mortgage loan refinancing (from 8% per annum) is suitable.
If you partially pay off your mortgage early, your monthly payment will decrease. You can find out the approximate rate by indicating the value of the property, the amount of the down payment and the amount that you are willing to pay the bank every month.
| Loan program | Sum | Term | Bid | An initial fee |
| Mortgage for finished housing | up to 30,000,000 rubles | up to 25 years | from 9.30% per annum | from 20% |
| Mortgage in a new building | up to 30,000,000 rubles | up to 25 years | from 9.30% per annum | from 20% |
| Loan secured by real estate | up to 15,000,000 rubles | up to 15 years | from 12% per annum | - |
| Mortgage with mother capital | up to 30,000,000 rubles | up to 25 years | from 9.30% per annum | from 10% |
The Ural Bank for Reconstruction and Development cannot offer as many mortgage programs as competing financial institutions. However, he has the most necessary options, as well as acceptable lending conditions. The initial mortgage rate in a new building and on ready-made housing is set at 9.30% per annum if real estate is registered with UBRD partner developers.
In both cases, the security is a pledge of the acquired object. The amount issued by the creditor can be from 300 thousand to 30 million rubles. The borrower is credited for 5-25 years. Clients interested in purchasing housing in the primary and secondary markets can apply for a mortgage under the action. There are 3 of them, but only one is selected for the loan.
Each allows you to get a discount on interest rate. If you take a mortgage under the capital, the fee will be at least 9.30% per year, and the deposit - from 10%. For those wishing to issue a loan for any purpose secured by existing real estate, its cost will be 12% per annum or more. Maximum value loan will not exceed 15 million rubles. According to its obligations, the borrower will have to fully pay off the bank for 5, 10 or 15 years.
Persons who are 23 years old, but not older than 70 years old at the time of debt repayment, can count on cooperation with the creditor. Mortgage is offered only to Russian citizens with permanent place work, 3 months of experience (current employment) and a total of 12 months. For pensioners, the proof of solvency is the old-age/long service pension. The monthly earnings of the future borrower cannot be less than 12 thousand rubles, and the co-borrower - 10 thousand rubles.
It is important not to have current delinquencies and more than 2 loans if you do not want to be rejected. The registration process is as follows: you consult with a mortgage specialist and submit an application on the UBRD website, after which you send Required documents to the bank's e-mail or bring them in person to the branch. Next, you will receive a call from the manager, who, during the consideration of the application, can ask clarifying questions.
If you submit complete list documentation, the answer will be known the next day after you tried to get a mortgage. The verdict will also be announced by phone. You will be told about next steps. The client is given 3 months to select housing. He will not choose the object himself, but with the help of a personal manager. You set the date of the transaction, and for this you come to the bank's office. After signing credit documentation, an insurance contract, a loan will be issued.
| Loan program | Sum | Term | Bid | An initial fee |
| Mortgage on 2 documents (secondary) | up to 20,000,000 rubles | up to 30 years | from 9.20% per annum | from 20% |
| New building according to 2 documents | up to 20,000,000 rubles | up to 30 years | from 20% per annum | from 4.90% |
| Loan secured by an apartment/apartment | up to 20,000,000 rubles | up to 20 years | from 10.30% per annum | - |
There are 3 products in the line of ZhilFinance Bank. The most popular mortgage on 2 documents, since it is available to the general population, firstly, because the registration process is quite quick and simple. The second reason for the growth in demand is the low rate. If you are officially working, confirm the income, it will be 9.20%.
The initial mortgage payment is 20% of the value of the object. It is given for 1-30 years in the amount of 480 thousand to 20 million rubles. The loan is taken on the basis of copies of the passport and the second document (SNILS, driver's license, etc.). About 82% receive same-day approval for an online application. BZHF provides mortgages to persons with any credit history. The borrower becomes Russian citizen at the age of 18-65 years.
In addition to the mortgage on 2 documents, the lender gives:
| Loan program | Sum | Term | Bid | An initial fee |
| New building | up to 30,000,000 rubles | up to 25 years | from 8.70% per annum | from 10% |
| Mortgage without down payment | up to 30,000,000 rubles | up to 25 years | from 11.10% per annum | 0% |
| "Alternative" | up to 10,000,000 rubles | up to 15 years | from 12.70% per annum | |
| Target secured loan | up to 30,000,000 rubles | up to 25 years | from 8.85% per annum | - |
| "In the mortgage - light!" | decided on an individual basis | depending on the object | from 11% per annum | from 40% |
| country estate | up to 15,000,000 rubles | up to 25 years | from 10.40% per annum | - |
| Secondary market | up to 30,000,000 rubles | up to 25 years | from 8.85% per annum | from 10% |
Promsvyazbank has more than 7 offers that take into account the needs and needs of the client, including Maternity Capital, a mortgage for the purchase of finished housing, in a new building. Refinancing is also provided. The maximum loan term is 25 years. The largest amount you can borrow from a lender is 30 million rubles.
The fee for using a loan depends on its type, so the range of rates is as follows: 8.70-12.70% per year or more. However, care must be taken when studying credit programs Promsvyazbank, because low interest taken from payroll clients. Also, the amount of payment for the use of credit funds depends on which bank partners you will buy an apartment from.
Such conditions apply for insurance and an initial payment of at least 20% of the value of the object. You can get a mortgage without commission. Allowed early repayment. For those who do not want to limit themselves to the options offered by the bank's partners, you can take a targeted security loan and buy any apartment or a private house With land plot both in the primary market and in the secondary market.
Promsvyazbank also has such a program that provides for a quick conclusion of a deal with a minimum package of documents (without a certificate of employment and income) with the possibility of accounting for earnings from personal business. For individuals who intend to apply for a Secondary Market mortgage, the lender provides legal assistance assists in the organization of the purchase and sale transaction, etc.
Real estate and client insurance is carried out in the amount of 1% of the loan amount. Insurance is paid on the day you decide to take out a mortgage. It will need to be renewed annually. The requirements for the borrower are:
| Loan program | Sum | Term | Bid | An initial fee |
| New building | up to 30,000,000 rubles | up to 30 years | from 7.30% per annum | from 10% |
| Finished housing | up to 30,000,000 rubles | up to 30 years | from 8.80% per annum | from 10% |
| Mortgage for families with children (state support) | up to 12,000,000 rubles | up to 30 years | from 5% per annum | from 20% |
| Home construction | up to 30,000,000 rubles | up to 30 years | from 10% per annum | from 25% |
| non-targeted | up to 10,000,000 rubles | up to 20 years | from 11.60% per annum | - |
| country estate | up to 30,000,000 rubles | up to 30 years | 9.50% per annum | from 25% |
| military mortgage | up to 2,502,000 rubles | up to 20 years | 9.20% per annum | from 16.60% |
Sberbank provides mortgage lending to individuals and legal entities with Russian citizenship, whose age at the time of application exceeds 21 years, at the time of return - no more than 75 years. The borrower must have a total experience of 5 years, and at the last place of work - at least six months. But if you are a payroll client, this condition will not apply. When the amount approved by the bank is not enough, it is allowed to attract co-borrowers (from 1 to 3 people, for a young family this number can reach 6 people).
Their income is also taken into account. To apply for a mortgage, documents are presented: application form, passport + one to choose from. You will also need certificates confirming the availability of income and work. If the loan is taken with collateral, you will additionally have to provide documents on collateral. Mortgages in Sberbank are given at the place where the borrower or co-borrower is registered, or in the region in which the property being financed is located.
The largest amount of the loan is 30 million rubles. Loan term can be from 20 to 30 years. The initial payment varies within 10-25% and more. The rates are different. A mortgage for a young family in Moscow is issued for preferential terms- from 5% per year. If you want to take out a mortgage to buy a new apartment, you have to pay from 7.30% every year.
If the borrower needs to apply for a loan for the construction of a summer house, a house, the deposit will be equal to 25% or more, interest - from 9.50% per annum, and the minimum amount of credit funds - 300 thousand rubles. Sberbank allows the client to independently choose the payment date and change it once a year. You can qualify for a mortgage if:
| Loan program | Sum | Term | Bid | An initial fee |
| Mortgage lending | up to 60,000,000 rubles | up to 30 years | from 9.75% per annum | from 15% |
| State support for families with children | 6,000,000-12,000,000 rubles | up to 30 years | from 4.70% per annum | from 20% |
| Special offers | up to 20,000,000 rubles | up to 10 years | from 4.50% per annum | from 15% |
| military mortgage | up to 2,700,000 rubles | up to 24 years | from 9% per annum | from 10% |
| Target mortgage | up to 20,000,000 rubles | up to 30 years | from 10.10% per annum | - |
| Young family + mother capital | up to 60,000,000 rubles | up to 30 years | from 9.75% per annum | from 15% |
| Mortgage loan under 2 documents | 4,000,000-8,000,000 rubles | up to 25 years | from 10.90% per annum | from 40-50% |
RSHB makes it possible to buy: an apartment, a summer residence, a private house, apartments in the city, to purchase land for housing construction. For each category of client (salary, "reliable", employee of a budgetary enterprise), its own lending conditions are established.
If the goal is to buy an apartment (primary market), and the loan amount does not exceed 3 million rubles, depending on the status, the borrower will have to pay 9.75-10% per year. When it is necessary to issue a mortgage for the purchase of housing (secondary market) over 3 million rubles, the cost will be the same. But in other cases, the interest is different, the bank has a whole tariff scale. This information must be specified on the website of the lender.
Mortgage with state support families with children are provided at 4.70% per annum or more for the purchase of an apartment from a developer or for an object under construction. A couple who has a second or third child from January 2018 to December 2022 can apply for a loan. Like previous lenders, Rosselkhozbank issues loans for a maximum of 30 years.
When buying housing in a multi-storey building under a sale/share construction agreement, the borrower will be forced to pay 15%. The same applies to the purchase of a townhouse, land. If a bank client needs to apply for a mortgage on a private house with a plot, the down payment will be at least 25%, and the purchase of apartments requires a 30% deposit. Property insurance is mandatory.
The borrower is a Russian citizen over the age of 21. The upper age limit is 75 years, provided that old man will attract a co-borrower no older than 65. Registration must be on the territory of the Russian Federation at the place of residence / stay. If the client does not maintain private household plots, his experience cannot be less than six months (from the last place of work) and 12 months (general). The list of documents is standard.
| Loan program | Sum | Term | Bid | Initial payment |
| Finished housing | up to 50,000,000 rubles | up to 30 years | from 9.70% per annum | from 15% |
| Purchase of an object at the construction stage | up to 50,000,000 rubles | up to 30 years | from 9.20% per annum | from 10% |
| Family mortgage | up to 12,000,000 rubles | up to 30 years | from 5% per annum | from 20% |
| Mortgage holidays | up to 50,000,000 rubles | up to 30 years | from 10.50% per annum | from 20% |
| Loan secured by existing real estate | up to 50,000,000 rubles | up to 30 years | from 11.25% per annum | - |
| military mortgage | up to 2,963,000 rubles | up to 20 years | from 10.25% per annum | - |
| A loan secured by an apartment for any needs | up to 6,000,000 rubles | up to 15 years | from 11.25% per annum | - |
To become the owner of an individual residential building, apartment, you can contact URALSIB. This bank presents to our attention at least 7 mortgage programs, including refinancing. Of course, URALSIB partner clients have more attractive conditions. For housing under construction, he set a rate of 9.20% per year. Taking out a loan for real estate that is just being built is as easy as getting a mortgage on an apartment.
First, you select the necessary object, determine the terms of the loan that will suit you. Then you submit an application, the response to which is received on average in 3 days. Next, you should conclude an agreement with the bank and, ultimately, receive a certificate of ownership. The borrower is credited for 3-30 years. You can get a mortgage in the amount of 300 thousand to 50 million rubles, the final is determined based on the level of income of the client.
The minimum initial payment - from 10%. The most expensive is a loan issued for any purpose secured by an apartment. You have to pay for it from 11.25% per annum. The family is invited to apply for a mortgage under a special program, which is valid if the spouses have 3 minor children. Then the deposit will be 20% of the property price.
The property to be purchased will be collateral. URALSIB also got a mortgage on 2 documents: a passport, a driver's license (they can be replaced with a foreign passport, SNILS, TIN). The size of the initial deposit will be at least 40%, and for all clients, regardless of category. Such conditions apply to the purchase of a new apartment (primary market).
Requirements for the borrower: Russian citizenship, age within 18-70 years. The length of service must exceed 3 months, and the period of existence of the company in which the person works must be more than a year. URALSIB also offers to issue insurance products.
The most difficult thing is to get a mortgage for private entrepreneurs and persons who receive a salary “in an envelope”. The ideal borrower is considered to be a person with an impeccable credit history, who has enough income to fulfill debt obligations, and whose financial discipline is easy to assess. This is a man of 30-35 years old, having a family, children, higher education and labor activity in the position of a middle manager or a specialist.
At the same time, the loan amount that he requests from the bank varies in the range of 2-3 million rubles. The amount of own funds intended to be paid as a down payment is about 20-30% of the property value. But individual entrepreneurs and people belonging to other categories of clients can also apply for a mortgage. Just in their case, you will have to provide the lender with a larger package of documents.
3 best bank where you can get a loan without a down payment
Responsible for current loan conditions, text editing and graphic design: Alexander Ovcharenko
