When purchasing an apartment on credit, you should be prepared for the fact that mortgage insurance is issued for the apartment. Consider what risks can be included in the apartment insurance form and where it is profitable to buy protection. We will pay special attention to how to quickly and free of charge find out the price of mortgage insurance without contacting the office.
Not all clients know whether it is necessary to purchase mortgage insurance for an apartment or whether they can save money. Mortgage apartment insurance is a mandatory requirement, which is approved by law. However, it is important to consider that the client must draw up only a binding contract.
Title insurance is voluntary agreement, which protects against loss of ownership of the acquired property.
Insurance risks:
Attention! In the first four risks, the term limitation period is three years when the last 10 years. As a result, financial institutions recommend taking out mortgage title insurance for at least 3 years.
Under the law, personal insurance is not a mandatory condition. At the same time, banks are interested in this protection, since the contract may provide for the payment of debt.
Risks:
The protection form can be issued annually or immediately for the entire loan term. In the latter case, you can return part of the money in case of early repayment of the loan.
Apartment insurance for a constructive mortgage is a mandatory product. The sum insured under the policy is equal to the market price of the purchased apartment.
Insurance risks:
Attention! As a rule, the package of risks for an apartment, which is purchased on a mortgage, is fixed in all insurance companies.
The military can count on the purchase of an apartment under a special program. Main advantage military mortgage is that the payment of the loan occurs at the expense of the state.
To obtain a mortgage, the military must open an account (NIS), which will receive a subsidy from the state every month. The military cannot withdraw money from this account. The maximum available amount to receive is 3,000,000 rubles.
As part of the program, you can buy both property in a new house and on the secondary market. The only thing that the military will need to do is to take out insurance for mortgage apartment Every year. Under the contract, only structural elements should be insured.
Since many borrowers are interested in whether it is profitable to buy a comprehensive insurance contract, we will consider its pros and cons.
As for the pros, this is, of course, maximum protection. Having drawn up an agreement, the borrower can be sure that the insurance company will repay the loan and pay money to the client upon the occurrence of an insured event. This is especially true for the reason that the mortgage is issued for several years.
Speaking about the cons, it is worth noting the price of the contract. Since the insurance company is liable for several risks at once, the cost will be too high. Not everyone can afford to overpay in the presence of a large debt.
It turns out that everyone must decide for himself whether it is profitable or not to acquire protection, based on their own capabilities and needs.
It should be borne in mind that when applying for a loan for the purchase of an apartment, it will not be possible to refuse insurance of structural elements. In the absence of an agreement, a bank specialist simply will not issue a loan. As for the extension, in this case, the bank may request repayment of the debt or charge penalties for non-compliance with the conditions. This right is specified in the loan agreement.
As for voluntary types, such as personal and title insurance, when applying for them, you can get a discount of 0.5-1.5%.
The price of apartment insurance for a mortgage is the main indicator in choosing a company. It's no secret that everyone wants to save money. Let's consider tariffs for mortgage insurance in large financial companies.
Where is mortgage insurance cheaper?
| Insurance company/Risk | Structural elements | Personal | Title insurance |
| Sberbank | 0,25 | 1 | No |
| VTB Insurance | 0,33 | 0,33 | 0,33 |
| SOGAZ | 0,10 | 0,17 | 0,08 |
| Alpha Insurance | 0,15 | 0,38 | 0,15 |
| VSK | 0,43 | 0,55 | No |
| Rosgosstrakh | 0,17 | 0,28 | 0,15 |
| RESO | 0,10 | 0,26 | 0,25 |
| Rosselkhozbank | 0,15 | 0,27 | 0,25 |
| Alliance | 0,16 | 0,66 | 0,18 |
| Ingosstrakh | 0,14 | 0,23 | 0,20 |
Having studied the offers, you can see that it is cheaper to insure an apartment on a mortgage in the SOGAZ insurance company. Financial company offers minimum rates also for personal and title insurance.
Important point! When applying for a policy online, the price of mortgage insurance is usually cheaper by 10-15%. Such insurance is offered by the insurance company Ingosstrakh.
When making a choice, it is worth considering not only how much it costs to insure an apartment with a mortgage, but also the status of the company. Entrust protection only to a reliable participant insurance market. Consider what you need to pay attention to when choosing an insurer.
We offer to create a calculation of apartment mortgage insurance on our portal. For this, a simple calculator has been created that forms the cost.
To get an estimate, you need to provide:
After entering the data into the calculator, you can issue a mortgage apartment insurance policy or comprehensive insurance with the desired set of risks. The paid policy must be printed and submitted to the bank. Usually it will be cheaper than a policy issued in a bank or insurance.
Buying an apartment insurance form is very simple. Especially for you - a small instruction on the purchase of the contract.
Step-by-step instruction:
To purchase mortgage insurance at a bank or insurance company, you will need to prepare documents. As a rule, insurers request the same documents.
Prepare in advance:
Additionally, you will need to fill out an application in which you indicate personal data and the exact characteristics of the property being purchased. Each insurance company has its own application form, which can be obtained at the office or downloaded from the official website.
Important point! When applying for a policy online, such a list of documents is not required. Everything is arranged according to your words.
In order to receive a payment, the insured event must be correctly recorded and documents prepared. First of all, you need:
After that, you will need to prepare documents for the insurance company.
At the office of the insurer, a complete package of documents must be presented. Request:
On the example of SK Ingosstrakh:
After the package of documents is prepared, you will need:
In practice, the payment period does not exceed 20 days after the submission of the last document.
When purchasing an apartment on a mortgage, each client decides for himself whether to issue a personal and or not. Structural elements will have to be insured. You can find out the cost without leaving your home online on our portal.
The portal consultant works online. He will be happy to answer your question and help you draw up any document. Just write to him in the chat and wait for a response.
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The legislation in force in Russia today provides for the registration compulsory insurance mortgaged real estate. However, in addition to this, almost always banks offer additional insurance for the life and health of the borrower, the loss of his ability to work, as well as the so-called title insurance.
Kinds mortgage insurance | Which cases include | Is it possible to refuse |
Property |
| Insurance is mandatory. |
Life and health |
| Optional. However, in case of conclusion of an agreement, the amount of the rate reduction is 0.5-1% |
Loss of title |
| Optional. |
When applying for a mortgage, it is obligatory to take out insurance on the mortgaged property. Any other types are possible only if the borrower voluntarily agrees to them. The imposition of any related services is considered a violation of the law. Legislation requirements in terms of mortgage insurance are set out in No. 102-FZ.
Mortgage insurance companies offer different conditions issuance of policies. For selection best option, use the service for the selection of SC. On it, you can calculate the preliminary cost of a mortgage insurance policy, compare the cost of services from different insurers under the same conditions, apply for an insurance contract with the insurance company online. This will save money and time. The paid work policy will be sent to you by e-mail within a few minutes.
To insure a mortgage, you will need the passport of the insured, documents for real estate.
The contract concluded with the insurance company contains a list of actions that the borrower must take in the event of insured event. In most situations, you need to do the following:
Banks, providing a loan for the purchase of real estate, not only issue a pledge for it, but also require mortgage insurance. Buying a property insurance policy is a prerequisite for any mortgage agreement. What about other types of insurance?
Mortgage insurance is a set of types of insurance that are designed to protect the financial interests of each participant in mortgage lending.
The need to conclude such agreements is due to the need:
The main purpose of mortgage insurance is to redistribute risks among insurers, borrowers and lenders in order to increase the reliability of the mortgage insurance system.
Types of mortgage insurance:
As an additional option, insurers offer to insure the civil liability of the owner of the premises against:
Mortgage risk insurance differs in that the lender (bank) is indicated as the beneficiary under the contract. In the event of an insured event, it is in his favor that the insurer will make an insurance payment. Its amount cannot simultaneously exceed either the amount of outstanding debt or the amount of damage suffered.
There is a scheme of payment of the sum insured at a time - immediately - at the conclusion of the contract for the entire term of the loan. The scheme of annual payment of the sum insured is more widespread.
Do I need to insure an apartment every year with a mortgage? Yes. This is stated in the loan agreement.
Mortgage property insurance: mandatory or not - disputes have been going on for a long time, but there is a law, and there is judicial practice.
According to Federal Law No. 102-FZ "On Mortgage" mortgage borrowers obligated to insure the collateral. Nothing is said about other types of insurance in the document.
Mortgage personal insurance Art. 935 of the Civil Code of the Russian Federation is defined as voluntary. However, banks strongly recommend that their customers take out such insurance. It is optional, but its absence will lead to an increase in the loan rate, at least 1%.
A similar situation exists with respect to title insurance. The client has the right to refuse, but the loan, as more risky, from the point of view of the lender, will be offered to him on other, less favorable terms than those borrowers who agreed to fulfill the requirements of the bank.
Judicial practice in relation to such disputes indicates that in most cases the requirement to conclude a life and health insurance contract is recognized as an abuse of freedom of contract, since they refused to issue a loan without insurance.
According to the Instructions of the Central Bank of the Russian Federation dated November 20, 2015 No. 3854-U, the borrower has the right to refuse the insurance product within 5 days from the date of signing the relevant documents. The amount paid by him must be returned in full.
However, the Central Bank of the Russian Federation explained that if the borrower refuses this service, the lender has the right to change the conditions standard contract and increase interest rates.
This item is already included in most mortgage contracts. Also, lenders widely use their right to terminate the mortgage agreement in unilaterally due to non-compliance by the client with its terms. This provision is also included in credit documentation. The bank sends a notice to the client with the requirement to either take out insurance, or he terminates the contract. The latter means that the borrower is obliged to repay the entire amount of the loan or legal proceedings await him.
Citizens' appeal (more often during litigation) to the fact that the condition of the need for insurance violates their rights is not accepted: the agreement was concluded under certain circumstances, about which the client was warned in advance.
The signature under the documents means agreement with the fulfillment of the requirements established by them.
Property insurance standardly assumes as an insured event:
You need to be prepared for the fact that the minimum package offered by insurers provides for payments only when significant damage has been caused to the insured property.
For example, if the wallpaper was damaged as a result of the bay of the neighbors, there will be no payment, and if someone broke the window, then you can count on compensation for its value. The entire balance of the loan will be paid only when the object is completely destroyed. In the case of a private house, if the foundation remains, then only part of the debt will be paid off, because, from the point of view of the insurer, the rest of the building can still be used to build new housing.
To get more guarantees, more compensation, you should take out more extended insurance, but it will cost more.
The next type of mortgage insurance is life and health insurance of the borrower. Insured events under such an agreement are:
What is title insurance for a mortgage is easier to understand from the list of insured events under such contracts:
This type of insurance is designed to protect the rights of a bona fide purchaser. A court decision will confirm the occurrence of an insured event. Payments under such agreements should compensate the financial costs of the borrower and guarantee the repayment of the loan to the lender.
In such cases, the insurance company has the right to provide full legal support, including representation of the client's interests in court.
The insurer has the right to refuse payment insurance compensation in some cases. All of them are written in the insurance contract.
Personal insurance for mortgage lending assumes as an insured event the establishment of the 2nd or 1st disability groups for the borrower or his death. In this case, the payment is made in full one time. In the first case, the property remains in the ownership of the borrower, in the second it will be included in the estate and the heirs will receive it without any encumbrance (without collateral or obligation to repay the loan debt). But for example, compensation under a life insurance contract will be denied if the death occurred as a result of suicide or a car accident caused by the insured. Indemnification will not be paid in cases where the client initially knew about health problems, the confirmation of which the insurer finds in his medical documentation, but did not report this when concluding the contract.
There will also be problems with compensation for persons who have suffered from professional risks, as well as for those whose blood at the time of the insured event is found to contain alcohol or drugs, the intake of which was not prescribed by a doctor. According to the law, the insurer in such a situation is not obliged to repay the debt.
If life and health insurance was issued in respect of both spouses-co-borrowers, then in the event of the death of one of them, the debt to the bank will be repaid only by half, i.e. 50% of the loan balance. If the insurance was made taking into account certain proportions, then the payment will be made taking into account how it was written in the contract. For example, in the event of the death of one of the spouses, the compensation may be 70% of the balance, while in the event of the death of the other - 30%.
In cases where there is no firm confidence that the refusal of the insurance company is correct, it is worth contacting a lawyer specializing in this area.
Already at the first consultation, having studied all the documentation, the specialist will be able to confirm or refute the legality of the insurer's actions and make an assumption about the advisability of protecting their interests in court.
The insurance program offered by the lender's employees is, as a rule, a product that is unprofitable for borrowers. Most banks act as intermediaries between the true insured, the organization with which the contract is actually concluded, and which subsequently, if necessary, will make insurance payments, and the client. Accordingly, the lender is likely to have a discount from the "supplier" and at the same time make a surcharge to cover his own expenses.
As a result, an insurance contract concluded in a bank office may turn out to be 10-20% more expensive than an agreement drawn up on the same terms either with the insurer itself or with its other official partner.
If you decide to take out insurance directly from the insurer, check with the lender for a list of accredited companies. Although any restrictions on the choice of an insurance company are unacceptable according to the law, they can be established contrary to them. Therefore, it is wiser to check with the bank for a list of accredited insurers.
Considering that the sum insured is calculated based on the value of the loan balance plus interest that will be accrued over the next year, savings are possible due to early repayment of the loan.
The sooner the mortgage debt is paid off, the less percent the borrower pays, the less the sum insured will be.
You should also take into account the maturity date of the loan. Ideally, you need to adjust the term for the full repayment of the loan by the time the next insurance contract ends. If it didn’t work out, then you can, having issued an appropriate certificate from the creditor about the absence of debt, apply to the insurer with a request to return part of the sum insured according to the actual time of existence of the credit obligation (debt to the bank).
How to properly insure yourself with a mortgage so as not to overpay. When determining the amount insured, insurers take into account:
Mortgage insurance: mandatory or not? An insurance contract for mortgaged real estate is required. The rest - formally not, in fact, the bank indirectly (through worsening credit conditions or even refusing to conclude a mortgage agreement) forces customers to agree to this requirement.
From a financial point of view, sometimes it is a little more profitable to agree to an increase in the rate on a loan, but refuse additional insurance.
Interest is accrued regularly on the balance of the debt, which decreases as payments are received to repay the loan, i.e. monthly or even more frequently. When determining the sum insured, the amount fixed at the beginning of the year is taken into account.
A reasonable solution to this issue is to fulfill the requirement of the creditor, but conclude a mortgage insurance contract directly with the insurance company.
The benefit of the borrower with mortgage insurance is that in the event of an insured event, although the bank will receive the payment, the citizen will be released (partially or completely) from obligations to pay the mortgage.
In difficult times, which are indicated in insurance as insured events (loss of property, disability, etc.), this can be very helpful.
Given the above, we can say that a mortgage is a risky project for the borrower and the insurer. The bank in the presence of a full package of insurances and the subject of collateral risks less.
The borrower is obliged to issue a mortgage policy only in an accredited company. This is written in the loan agreement. AT different banks the list and number of borrower risk insurance partners may vary. For example, as of May 2019 in , in VTB - 20, in Absolutbank - 9, Transcapitalbank - only 5. Each bank must publish this information on its official website, although sometimes it is not easy to find it. It is clear that the fewer companies admitted, the lower the chance of finding profitable option. It also creates opportunities for abuse and manipulation. The bank can only admit those who offer the highest commission for the sale of policies.
Anticipating a possible question: "?". We answer: it is absolutely legal, no matter how strange it may look from the point of view of consumer protection. There is a corresponding Government Decree, together with the Antimonopoly Service, allowing such lists. Click the link to learn more about this problem.
In addition to restrictions on the choice of insurer, banks can stipulate the required conditions fortreaty . In particular, a list of risks, exceptions, the procedure for making payments. A standard comprehensive mortgage insurance policy consists of 3 types of insurance: life, collateral, title.
Many people have a question about what can be abandoned and what not. According to the law, anycredit life insurance carried out solely at the voluntary request of the borrower. No one has the right to make a policy forcibly. On the other hand, it is in the interests of both the bank and the client to draw up an agreement to reduce financial risks.
Many are interested in what . Follow the link for examples of calculations. Briefly, for the majority of clients under the age of 50, it is still more profitable to insure, the rates are significantly lower compared to the increase in the loan rate. This allows you to save on the amount of the monthly payment, and, more importantly, receive payments in case of death / disability of group 1 or 2.
Please note that . This is a requirement of the Mortgage Law. As a rule, in loan agreements there are heavy fines for not having a property policy.
Welcome! Mortgage insurance - where is it cheaper and more profitable to get it? An interesting question that you must definitely deal with if you decide to take a mortgage. Further in the post, we will analyze mortgage insurance where it is cheaper. Which insurance is worth taking and which is not, as well as the basic conditions of insurance companies.
In the last post, we figured out that there are three main types of mortgage insurance:
Of these, only the first type is mandatory. The rest is not necessary to issue, but this will entail certain sanctions up to the refusal of a mortgage. Read our post “Mortgage Insurance” to learn more about all the nuances.
Before you go looking for the most favorable tariff for insurance, you need to contact the bank and get a list of accredited insurance companies from a specialist or on the bank's website. You can insure yourself on a mortgage only in these insurance companies approved in advance for working with a bank.
As a rule, banks issue the so-called comprehensive insurance. This is an insurance policy for all three types of the above insurance at once. Usually its cost does not exceed 1% of the loan amount, but in most cases it is even less from 0.2% to 0.5%.
The final rate depends on many factors:
Advice! If you want to save on insurance policy, then make the spouse the main borrower, let the husband be. This will allow you to get the minimum rate.
From all of the above, it follows that the insurance rate is a rather individual thing, so there is no need to talk about exact numbers, but you can reliably determine at least their approximate order. Let's get acquainted with the conditions of the main insurance companies for mortgage lending.
Sberbank, for example, requires without fail to insure collateralized property, and the property value limit is not more than 15 million rubles, you will be charged 0.25% of the loan amount, and every year this percentage will be charged on the balance of the total debt.
Life and health insurance will cost you 1%, but it is at your request, however, if you refuse, this percentage is added to the mortgage interest rate, more precisely, it will be taken away with consent.
In practice, it looks like if the amount is approved at 14.9% per annum, then with life and health insurance, the rate will drop to 13.9%. Well, and a wide range of insured events that are insured, no one has canceled here either.
Also, if you take a mortgage from Sberbank, then this is the only bank that does not require comprehensive insurance, i.e. title is optional.
If you would like to change insurance company, then “painlessly you can do this with the full repayment of the loan, then you will be returned insurance premium for the remaining months. In another case, no one will return the balance of the insurance premium to you, except for the case when you refuse before the start of the insurance, then the premium is paid in full.
This is a comprehensive insurance that includes collateral, title and life and health insurance, i.e. one contract is concluded with you, for third-party banks for 1 year, for VTB for the entire term of the mortgage with annual renewal, which means that it needs to be renewed every year.
On average, insurance will cost you 1% of the amount under the loan agreement, annually 1% is also charged on the balance of the loan. When changing the insurance company, the conditions are the same as in Sberbank, i.е. either full repayment or non-refund of the premium.
Regarding VTB, we must make an important remark that in 2017 they did not pass accreditation, as they submitted documents late, therefore, at the moment, insurance for third-party banks is not provided. And, if you still want to insure here, you will need to clarify this information directly with the bank.
VTB insurance has a discount for issuing a policy for long term(1.5 or 2 years, etc.).
In this company there is no comprehensive insurance, only constructive and life. Life and health insurance will cost you about 0.55%, depending on the components indicated in the health questionnaire, over 4 million rubles. rubles - a medical declaration is required.
Structural elements are insured - approximately 0.43%, this percentage can be increased by such factors as a gasified house, as well as the first and last floors.
Regarding the change of companies, here, in addition to the fact that in case of cancellation of the contract, if the application from the Insured was received before the date of commencement of the insurance and no more than 5 days have passed from the date of conclusion of the insurance contract to the date of cancellation, you will be refunded the premium in full, there is another condition that in case of cancellation within 5 days after the commencement of the insurance and no more than 5 days have passed from the date of conclusion of the insurance contract to the date of cancellation, you will be paid a premium in proportion to the unexpired insurance period.
In RESO conditions for Sberbank differ from other banks, for Sberbank property insurance is approximately 0.18%, life and health within 1%. For VTB, Raiffizing Bank, Absolut Bank, etc. - comprehensive insurance, where life and health are also up to 1%, property - about 0.1% and title - about 0.25%.
In RESO, not only in case of early termination of the contract within 5 days after the conclusion, but before the start of the insurance, the premium is paid in full. In case of early termination at your request, the company returns insurance premiums for the unexpired term of the contract, net of expenses incurred, unless otherwise provided in the insurance contract.
It should also be noted that RESO is currently running the Profitable Mortgage promotion, a 40% discount for the first year for mortgages and for those who decide to change companies.
In Alliance, life and health insurance will be 0.87% of the sum insured; property insurance - 0.16% and title insurance - from 0.18%. They do not insure for Sberbank, because there is no accreditation. Now the company is running a mortgage insurance campaign, which means that when you take out a mortgage insurance policy, you can insure additional risks at preferential prices:
It should be noted that due to the closure of offices in the regions, servicing is carried out by the Central Moscow office.
Life and health insurance for Sberbank - 0.6% (male) and 0.3% (female); property - from 0.2%.
For VTB and other banks - life - 0.56 (man), 0.28% (woman), respectively; constructive - 0.17%; well, and title insurance - 0.15%. In agreement with Central office discounts are possible, but the size is determined individually in each case.
The sum insured decreases in proportion to the decrease in the loan amount. Early termination of the insurance contract on your initiative is also provided here only in case of full early repayment of the loan, in this case you are paid a part of the premium paid for the remaining term, minus 65% of the paid insurance premium. For other reasons, early termination on your initiative is possible, provided that the insurance premium is non-refundable.
Here you can insure everything individually or choose a comprehensive mortgage insurance, which, as you already know, includes property, life and title insurance. They do not provide approximate rates, you can only calculate the cost of insurance on your terms. Let's look at the example of a 38-year-old man, without bad habits, healthy, working in the prosecutor's office and a woman of the same age, but an estimate engineer, the amount of their mortgage is 8,000,000 rubles, secondary housing on the 5th floor, owned for more than 3 years . Insurance programs for Sberbank and other banks also differ here, so let's move on to the numbers:
For Sberbank:
life insurance - 35,518 rubles (man) and 25,248 (woman);
Collateral property - 11,200 rubles (for each),
In total, we see that for a man - 46,718, and for a woman - 36,448. Contracts are drawn up for 1 year.
For VTB and other banks:
life insurance - 44,418 (for a man) and 18,176 (for a woman);
Constructive - 12,000 rubles (both for one and for the other);
Title - 16,000 rubles (for each).
As a result, you see that for a man in this case, comprehensive insurance will cost 72,418 rubles, and for a woman 46,176 rubles. For VTB there is an opportunity to conclude an agreement for the entire term of the loan with an annual extension.
You can terminate the contract ahead of schedule at your request on the same terms as most of the previous organizations, within 5 days after signing the contract you will be refunded the insurance premium in full, more, the premium is not refundable. Exceptions are, for example, the fact that you have not been issued a mortgage.
If you decide to change the insurance company to Ingosstrakh, then you will be provided preferential terms in the form of a discount from 5 to 15%, the exact amount of the discount is decided by the management: up to 3,000,000 rubles, the decision is made by the regional branch, above - the central Moscow office.
Now there is such a promotion: if you have a mortgage insurance contract concluded with this company, then for voluntary insurance (network engineering, decoration, property, etc.) - 20% discount.
In Alfa-insurance, you can also choose comprehensive mortgage insurance, the term of which will be equal to the term of the loan and will decrease every year as the debt is repaid. The contract is terminated ahead of schedule identically to the conditions of VSK Insurance House. When changing the insurance company, here you get a simplified procedure for drawing up a contract and more profitable terms. The contract is for 1 year.
As in all companies, there are different programs for Sberbank and other banks. But today the organization in question does not have accreditation for life and health insurance for Sberbank, so you can only insure property, it will cost 0.18% of the mortgage amount.
For VTB and other banks, you can insure for the entire term of the mortgage, to see the cost of insurance, we will again turn to our example (male and female 38 years old and 8,000,000 rubles):
Life - 46,900 (man) and 30,452 rubles (woman);
Constructive - 9,200 rubles;
Title - 12,000 rubles.
Now you can see that the exact cost of mortgage insurance depends on many factors, so all the amounts given to you in the example are approximate.
Insurance in Sogaz is one of the most affordable:
In case of early refusal of the client from insurance ( early repayment mortgage) a part of the fee for the unexpired policy is returned, reduced by the share of the load in the structure tariff rate. For other reasons, there is no return.
Analyzing the above, we can summarize everything in a comparative table for all the insurance companies we are considering using the example of the same man and woman with the initial data taken by us at the beginning of the post.
| Bank | Property (constructive) | Life and health | Title |
|---|---|---|---|
| Sberbank | 0,25 | 1 | No |
| VTB | 0,33 | 0,33 | 0,33 |
| VSK | 0,43 | 0,55 | No |
| Alliance | 0,16 | 0,66 | 0,18 |
| RESO | 0,1 | 0,26 | 0,25 |
| Rosgosstrakh | 0,17 | 0,28 | 0,15 |
| Ingosstrakh | 0,14 | 0,23 | 0,2 |
| Alpha Insurance | 0,15 | 0,38 | 0,15 |
| Sogaz | 0,1 | 0,17 | 0,08 |
To make a calculation, you must fill in the data on the calculator. It will allow you to calculate the cost of the policy with the risks you need and issue the policy online.
To find out where mortgage insurance is cheaper, you need to take a few steps:
Summing up our post, we see that insurance significantly reduces the interest rate on a mortgage, and refusal to insure collateral is fraught with a bank refusal in a mortgage, which means it is better to insure. And if you approach this issue with all responsibility, with the understanding that a mortgage is far from short term loan and anything can happen in our life, you, of course, exclude possible risks which may affect your obligations to the Bank. Although, it's up to you to decide and any decision you make will be right for you!
And we are waiting for your questions in the comments, which we will be happy to answer.
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