Greetings! In this post, on a regular basis, we will write at what percentage they give a mortgage at Sberbank. There are a huge number of articles on mortgages, but lending programs change, interest rates change, etc. Let's look at what the mortgage rate is today at Sberbank and a number of other questions within the framework of our topic today.

We will start our educational program with the secondary market. Rates for finished housing Let us remind you that the apartment must be free from encumbrances, in other words, not be mortgaged, under arrest, from the rights of third parties, etc.

For secondary housing, the mortgage rate at Sberbank is now:

From 08/06/2019 there was a reduction in rates for all programs. It also works, which allows you to further reduce the mortgage interest rate.

Another interesting amendment: if the house in which you have chosen an apartment was built with the participation of credit funds Sberbank, then there will be no increase in interest by half a percent, even if you do not receive a salary from the Bank.

• According to 2 documents, the rate will be increased, in order to protect yourself to the maximum, the contribution in this case will be at least 50%.

An increase in interest will occur in the case of:

• +1% - in case of failure of life insurance;
• + 0.8% - when applying for a mortgage using two documents.

Interest will be reduced in the following cases:

• By 0.5% - if you have a Sber salary card;
• By 0.3 - if the apartment is decorated under the “Showcase” promotion;
• By 0.2 - if the down payment is less than 20%;
• 0.4% - for promotions for young families.

The minimum amount you can count on for resales is 300,000 rubles, and the maximum should not be higher than 80% of the value of the collateral.

The mortgage rate for finished housing has also been reduced if the apartment is purchased through the Sberbank DomClick website. The discount is 0.3% of the current rate.

To the construction site

Interest	Bid, %	Allowances
Base rates	8,7	+ 0.3% if PV is from 15-20%;
Subsidized rates for up to 7 years	6,5	+ 0.3% if PV is from 15-20%; +1% if you refuse insurance; + 0.5% if you don’t have a salary Sberbank cards; + 0.3% if the mortgage is based on two documents.
Subsidized rates for a period of 7 years 1 month. up to 12 years old.	7,2	+ 0.3% if PV is from 15-20%; +1% if you refuse insurance; + 0.5% if you don’t have salary card Sberbank; + 0.3% if the mortgage is based on two documents.
Subsidized rates for a period of 12 years 1 month. up to 30 years old.	7,7	+ 0.3% if PV is from 15-20%; +1% if you refuse insurance; + 0.5% if you do not have a Sberbank salary card; + 0.3% if the mortgage is based on two documents.

There is a promotion for new buildings until the end of the year, the main requirement of which is the purchase of an apartment from a seller (legal entity) accredited by the Bank. As part of the promotion, you will receive a reduced interest rate.

Well, if you use it before the end of this year, i.e. register ownership of mortgaged apartment in the Bank, and you enter into a PDU with the Developer, and then the Bank handles all the paperwork; you will only be needed to pick up the ownership documents. Agree, very convenient service for our busy lives and busyness at work.

Another short-term promotion is in effect today at the Bank, it also runs until the end of the year inclusive, and it consists in the fact that the Bank is reducing interest rates under the Developer subsidy program. You can find the list of Developers on the Sberbank website; it is published in all regions of Russia.

In the event that your chosen apartment does not qualify for this promotion, then you will need to find a Guarantor such that his income can cover yours monthly payment on mortgage. In general, your Guarantor's solvency should be the same as yours. Once you have secured title to yourself, the Guarantor can be removed.

The amount available to you here will be from 300 thousand rubles and up to 85% of the value of the collateral.

For mortgages on new buildings an initial fee today is the minimum, compared to other programs and 15%.

For building a house

The interest here is slightly higher than for apartments, but this is understandable, because this is easily explained by the fact that apartments have higher liquidity on the real estate market. The bank covers the risks of the loan with increased interest, and they will amount to 9.7%.

The amount you can count on will also be from 300 thousand and up to 75% of the collateral value; the down payment will have to be at least 25%. But here, too, there are standard conditions that increase the rate: + 1% - if life insurance is refused; + 1% - if you provide other property as collateral, then before registering the mortgage with Rosreestr, after registration this percentage will be removed. But do not confuse a mortgage for the construction of a residential building with a mortgage for country real estate, let's move on to it.

The 0.5% discount for salaried employees remains.

country estate

Here you can buy or build not only a dacha, garden house, etc., but also buy land plot, on which in the future you will be able to build a summer house and a garden with a vegetable garden. Here you will need to make a minimum contribution of 25%, and the available amount will be over 300 thousand rubles and no more than 75% of the deposit.

Interest rates on loans for country real estate are quite acceptable and range from 9.2%. Well, and the notorious surcharges: +1% - all with the same lack of life and health insurance; +1% - if you provide collateral, then this percentage is before registering the mortgage. Plus 0.5% if income is credited from the employer to a Sberbank card.

Mortgage + maternity capital

Do you have maternity capital and would you like to use its funds for housing?

No question, it’s your right, but take out a mortgage specifically for maternity capital, i.e. You can use it as a down payment or part of it only when purchasing a finished home or a new building. But partially or completely repay an existing mortgage loan with funds maternity capital You are eligible for any program. And again, we remind you that the decision to transfer funds via mat capital is made within two months, so you need to worry about this in advance.

Discussed in detail in a special post.

Military mortgage

Main mortgage terms of this program - to be a military personnel, to participate in the savings-mortgage system and have the right to receive a targeted housing loan based Federal Law dated 08/20/2004 No. 117-FZ. Let's now decipher these arcane legal terms.

According to the above Law, any military serviceman, after three years of participation in the savings-mortgage system, without waiting for the end of his service. Here you have the opportunity to buy not only finished housing, but also housing under construction. True amount military mortgage for finished housing is limited to 2,629,000 rubles and the maximum period for which you can take out a loan is 20 years. But the interest rate here is quite attractive and amounts to 8.8%.

The interest on housing under construction is the same as on a military mortgage on the secondary market, the conditions are also the same, the difference is that before handing over the house and registering ownership, you will have to formalize the assignment of rights, this means that the rights of the participant shared construction will be in collateral.

Pivot table

Let's summarize and analyze all of the above, and compile the results into a summary table so that it is more convenient for you to see what the mortgage percentage is at Sberbank and under what program it operates today. The data in the table is based on what you receive wages to a Sberbank account and agree to insure their life and health.

Programs	Maximum amount, thousand rubles.	Bid, %	Duration, years	Down payment	Note
Ready housing	15 000	8,9	30	15	+0.3% if PV is from 15-20%, + 1% if you refuse insurance; +0.8% on mortgages according to two documents: + 0.3% if you refuse to purchase an apartment through the domclick website; Young family promotion - base rate 8.5%
Construction	up to 85% of the property value	8,7	30	15	+0.3% if PV is from 15-20%, + 0.5% if you don’t have a Sberbank salary card, + 1% if you refuse insurance; +0.3% on mortgages according to two documents:
Construction of a residential building	up to 75% of the value of the collateral	9,7	30	25
country estate	up to 75% of the value of the collateral	9,2	30	25	+0.5% if the borrower does not receive salary on a Sberbank card; +1% in the absence of a life insurance policy; +1% if the mortgage is issued after registration of the property with the Rosreestr authorities
Military mortgage	2 629	8,8	20	20
Non-targeted loan secured by real estate	up to 60% of the cost	11,3	20		+ 0.5% - if not a salary employee; + 1% - if you refuse life insurance.
Mortgage for garage and parking space		9,7	30	25	+ 0.5% if not a salary project, + 1% if insurance is refused.
Family mortgage	up to 6 million in the regions and up to 12 million in Moscow, Moscow Region, St. Petersburg and Leningrad Region.	5	30	20
Mortgage refinancing		9	30
Promotion "Your turnkey home"	up to 8,000,000 ₽ for properties in Moscow and the Moscow region up to 5,000,000 ₽ for objects in the Lipetsk region	10,9	30	20	Before registering a mortgage, the rate is 12.9%

So, we looked at mortgage rates today at Sberbank, and they are very attractive. We will be glad if our information is useful to you. Therefore, consider, compare, choose and make the only right decision for you. You can calculate the interest rate on a mortgage at Sberbank yourself, use our

As of March 1, 2018, Russian banks provided more than 180 thousand mortgage loans amounting to more than 347 billion rubles. And in January, all mortgage loans issued in Russia exceeded the 2 trillion ruble mark.

These data indicate the popularity of the topic, so today we will look at what housing lending is and where and how you can get a mortgage. + We will give several recommendations that will increase your chances of getting a loan.

What is a mortgage?

A mortgage is a special type of loan for the purchase of a home. If a borrower uses a mortgage, he buys an apartment or house and immediately pledges it to the bank. At the same time, he remains the owner of the property, but cannot sell it.

The bank will resort to sanctions if the borrower commits the following violations:

• sell an apartment or house
• will allow damage to real estate
• willfully change the technical characteristics of an apartment or house (for example, make a redevelopment and do not approve it)
• will violate the terms of the insurance (if the insurance contract was drawn up together with the mortgage).

What are the conditions?

About the specific parameters of the beneficial mortgage loan we'll talk further.

In the meantime, let's consider General requirements that the bank presents to borrowers.

#1. Age

The minimum age to obtain a mortgage loan at most banks is 21 years old.

The upper limit is set individually and is usually 65-75 years. The highest age limit in the mortgage lending market is offered by Sovcombank and Sberbank.

#2. Solvency

First of all, banks look at whether the borrower can repay the loan and avoid delays.

Financial institution specialists evaluate:

• official income
• work experience at current place
• position, profession
• income of co-borrowers and guarantors (if any).

Banks also evaluate the borrower's expenses. If a client who wants to take out a loan has many dependents (children, retired parents, other people), then the likelihood of loan approval decreases.

Banks focus on solvency when determining maximum amount loan for the borrower and the loan term. A financial institution will not issue a loan if the monthly payment amount is more than 50% of the income of the borrower and his family. However, in practice, banks believe that clients cannot spend more than 40% of their income per month on a mortgage.

This means that in order to apply for a mortgage and pay 40 thousand rubles per month, the borrower (or the entire client’s family) must have a monthly income of 100 thousand rubles.

#3. Belonging to a preferential category

The state will help pay mortgages to the following categories of citizens:

• families with 2 or more children (maternity capital is provided, which can be used to purchase housing)
• young families
• military personnel.

If the family has a certificate for maternity capital or its members are under 35 years old, then the state will contribute part of the loan or help with the down payment. Military personnel can expect to pay the mortgage in full if the value of the purchased property is 2.4 million rubles or less.

#4. Employment type

It is important for the bank that the borrower’s income is not only sufficient, but also constant. Therefore, financial institutions prefer clients who work in government organizations. High probability obtain loans from borrowers employed in large private companies.

Credit institutions treat businessmen more strictly. A bank may refuse to issue a loan to a client who has his own business, even if he has an income of 100 thousand rubles per month. Credit managers believe that business profits are unstable, and the borrower may lose his source of livelihood at any time.

How much will you have to overpay?

Let's look at the situation using an example: The cost of the apartment is 4 million rubles, the loan term is 20 years, the interest rate is 11% per annum. The family does not use maternity capital and state support. To repay such a loan, you will have to pay 41,288 rubles every month. In total, the family will spend 9 million 900 thousand rubles on the purchase of an apartment (4,000,000 is the cost of real estate, 5,900,000 is the overpayment on the loan).

In other words, in this example, the borrower is paying almost 2.5 times the value of the property if he decides to take out a home loan.

How to get a mortgage loan on your own?

Let's move on to the algorithm that will help you take out a loan for housing. Let's look at how a mortgage is obtained in two ways: independently and with the help of credit brokers.

Let's start with a situation where the borrower wants to save money on assistants and get a loan on his own. To do this, he will have to go through 6 stages.

#1. Choosing housing

Banks issue mortgage loans for the following types of real estate:

• apartments in new buildings
• apartments on the secondary market
• dachas, cottages
• private houses.

You can also get a loan for housing that is purchased under a contract equity participation. But not all banks provide such loans.

The borrower must focus not only on desires, but also on possibilities. The bank will not give a loan if you have to pay more than 50% of the official price for housing monthly income. But in order to create a safety margin, we advise you to focus on housing for which you will have to pay no more than 40% of your monthly income.

#2. Bank selection

There is no shortage of offers in the mortgage lending market. Choosing financial institution and specific loan, please note:

• down payment amount
• credit limit
• insurance
• credit institution reputation
• reviews
• early repayment conditions
• maximum permissible delays
• number of documents to be processed.

If not all of your income is official, contact banks that offer mortgages based on two documents. In such companies, interest rates are 2-3% higher than the market average. But they give money without proof of income.

#3. Collecting papers, submitting an application

Let's look at what documents are needed for a mortgage.

Banks will ask you to present the following documents:

• loan application
• Borrower’s passport (if there are guarantors and co-borrowers - copies of their passports)
• certificate of income for the last 6 months (form 2-NDFL or bank)
• a copy of the work book certified by the employer
• business registration documents (if the borrower owns a business)
• documents for an apartment or house that you plan to purchase with a mortgage.

If you plan to get a mortgage and use maternity capital (or get an apartment using military loans), you will need papers confirming the benefits.

For holders of maternity capital:

• certificate (or certificates, if there are several)
• consent from Pension Fund for the use of funds
• consent from the seller of an apartment or house to sell real estate using maternity capital.

For the military:

• permission from Rosvoenipoteka.

#4. Registration of the contract

Mortgage agreements are drawn up by banks, and clients only sign them. But this does not prevent you from studying the text of the contract from the first to the last page.

In the agreement, carefully study the following loan parameters:

• maturity
• monthly payment
• effective interest rate
• early repayment conditions
• commissions (for opening an account, conducting transactions, etc.)
• fines for late payments.

If you are not satisfied with at least one condition, you can tell the credit manager about it. If the bank does not want to change the agreement, it is better to find another credit institution.

It is not necessary to sign the loan agreement on the same day you receive it for study. You can take a copy home and re-read it in a calm environment with a qualified lawyer.

If the conditions suit you, start looking for an apartment.

#5. Buying an apartment, signing a loan agreement

Find an apartment or house that suits both you and the bank. Typically, lending institutions take 1-2 months to select a property. If during this period the borrower does not decide on an apartment or house, the bank may cancel the decision to approve the loan.

As soon as the object is selected, you can sign an agreement for the purchase/sale of an apartment (house) and a mortgage agreement with the bank. The real estate is immediately pledged to a credit institution, for which a special document is drawn up - a mortgage.

#6. Transaction insurance

Russian legislation obliges borrowers who take out a mortgage to insure the transaction.

The requirements of the law “On Mortgage (Pledge of Real Estate)” apply only to apartment insurance. But banks offer clients to take out insurance policies for life, solvency, health, and the risk of loan non-repayment. The cost of such insurance can reach up to 10−15% of the loan amount. Banks, if the client did not want to pay for the policy.

#7 Paperwork

The last thing left to do is to register the transaction with Rosreestr. To do this, bring and submit all documents to the Rosreestr office or online - mortgage agreement, purchase/sale agreement of an apartment or house, mortgage, insurance policy. In 2-3 days, information about the transaction will appear in Rosreestr, and you will become the owner of a new apartment.

Why do you need a credit broker?

The algorithm described above allows you to get a mortgage yourself. It is not that complicated, but if you do everything alone, it will take 2-3 months. In addition, if there is, then the financial institution may refuse the loan.

Turning to credit broker, these problems can be avoided. He will submit applications to several banks at once. Several credit institutions will simultaneously consider the borrower's candidacy. This will allow you to avoid wasting time collecting documents for each bank.

Brokers also have connections with credit managers at banks and can influence their decisions. It happens that a client who could not get a loan on his own applied for a loan without problems after contacting a broker. In addition, intermediaries know how to make loan terms more favorable and reduce the interest rate for the client by 1.5-2%. Over a period of 15-20 years, this allows you to save 1-2 million rubles.

Where to get a mortgage?

We studied which banks provide mortgages and compiled our TOP credit offers. The rating includes reliable organizations from among the 20 largest banks in the country.

If you think , Which bank is better to take out a mortgage loan from, take advantage of any offer from our article.

#1. Tinkoff Mortgage

Myself Tinkoff Bank does not provide mortgage loans. But the company reached an agreement with other lending institutions, and now Tinkoff loans are offered profitable loans for housing.

• interest rate - from 6 to 14.5% per annum
• loan term - from 10 to 25 years
• minimum contribution - from 10 to 40%
• the maximum amount is up to 99 million rubles.

When applying for a mortgage at Tinkoff, you simultaneously apply to several partner banks. They study the application and formulate individual offer. If the loan has been approved by several credit institutions, the borrower himself decides which bank to take out a mortgage loan from.

#2. Opening

Otkritie Bank offers favorable mortgage loans to all categories of clients.

• interest rate - from 9.35% per annum
• loan term - from 5 to 30 years
• minimum contribution - from 10%
• amount - 0.5−30 million rubles.

You can apply for a mortgage at Otkritie Bank on the official website. To receive pre-approval via SMS, just fill out a form. At positive decision You need to provide documents for the borrower and the property to the Otkritie Bank branch. Credit specialist will study the papers and make a decision.

There are several ways to repay a housing loan from Otkritie Bank:

• in company branches
• at Otkritie ATMs accepting cash
• in Qiwi and Eleksnet terminals
• through the Zolotaya Korona system
• via Yandex. Money
• interbank transfer
• in Svyaznoy, Eldorado, Telepay.

Follow the payment repayment schedule to avoid paying fines. Transfer money 2-3 days before the day indicated in the schedule. If you repay the loan through Otkritie’s partners (Qiwi, Elexnet, Golden Crown and other systems), we recommend increasing the period to 4-5 days.

#3. VTB

Borrowers can get a mortgage from the country's second largest bank, VTB.

• interest rate - from 8.8% per annum
• loan term - up to 20 years
• minimum contribution - from 10%
• amount - up to 60 million rubles.

To get a mortgage from VTB, contact a bank branch with documents or fill out an application on the website. The credit manager will review the papers to make a decision. If it is positive, you can choose an apartment and sign an agreement. The procedure for applying for a loan at VTB takes 1-2 weeks.

You can repay the loan at ATMs and VTB branches. The bank's devices and offices are presented on an interactive map on the bank's official website and app.

#4. Sberbank

Sberbank issues mortgage loans to military personnel, families with children, young families and other borrowers.

• interest rate - from 6% per annum
• loan term - up to 30 years
• minimum contribution - from 10%
• amount - 0.3−8 million rubles.

Sberbank accepts applications for mortgage loans on its website and in branches. Prepare documents in advance so the loan officer can review them more quickly. The decision will be made 1-2 weeks after the transfer of papers. You are given a month to search for housing, during which time you need to have time to select a property, conclude a mortgage agreement and insure your apartment or house.

You can repay loans at ATMs and Sberbank offices. Sberbank partner points also accept.

The advantage of the offer from Sberbank is low mortgage rates. The company provides loans at 6% per annum to participants of the state program “Mortgage with state support for families with children.”

#5. Raiffeisen Bank

Austrian branch banking group in Russia, Raiffeisen Bank offers to take advantage of the mortgage lending program.

• interest rate - from 9.5% per annum
• loan term - 1−30 years
• minimum contribution - from 10%
• amount - up to 26 million rubles.

You can get a loan from Raiffeisen Bank by submitting an application on the official website. After the preliminary decision, you can prepare documents and visit the Raiffeisenbank office. If the loan is approved, the borrower will be able to take out a mortgage with an interest rate of 9.5% per annum in 2018.

To repay a loan from Raiffeisenbank, you can use ATMs and company branches.

Which bank has the lowest mortgage?? Now minimum percentage Sberbank offers housing loans. Here you can get a mortgage loan at 6% per annum if you participate in government programs ah or buy apartments from partner developers.

We believe you should pay attention to them before taking out a mortgage.

#1. Do not take foreign currency loans

Several tens of thousands of people have already suffered from foreign currency mortgages. They took out loans in dollars or euros at a favorable rate (1−2%), but were unable to repay the loan when the ruble exchange rate decreased by 1.5−2 times in 2014-2015.

If you receive a salary in rubles, then take out loans in rubles. If your employer pays you in Euros or US dollars, you may want to consider these currencies for your home loan.

#2. Read the contract carefully

We have already said that you need to study the loan agreement carefully.

• If you know a lawyer or Bank employee, invite him with you to apply for a loan. Representatives of such professions know what to look for and will immediately find mistakes in the papers.
• If there is at least one condition in the contract that does not suit you, do not sign it. Mortgages can be obtained from dozens of banks, and among them there are lending institutions that do not deceive clients.

#3. Calculate your forces

There are still banks in Russia that provide mortgage loans and expect that borrowers will spend 60-70% of their monthly income on them.

It’s difficult to live in this mode for 10-15 years. It is better to limit expenses to 30-40% of monthly income. In this case, you will have to reduce the mortgage amount. This can be done in two ways: take out a loan for long term, and also choose cheaper accommodation.

In the first case

• the likelihood of loan approval decreases as the term increases
• The monthly payment decreases slightly as the loan term increases.

Let's consider an example: There are two loans with the same amounts and interest (3 million rubles, 12% per annum), but for different periods (one for 20 years, the other for 30 years). Using an online calculator to calculate mortgage terms, we get:

• monthly payment for a loan for 20 years - 33,033 rubles (overpayment - 4,927,820 rubles)
• monthly payment for a loan for 30 years - 30,858 rubles (overpayment - 8,109,016 rubles)

The contribution that will have to be paid every month has decreased by only 2 thousand (this is less than 10%), and the overpayment will increase by more than 3 million.

That is why the borrower, before receiving a mortgage, needs to correlate his desires and capabilities. Otherwise, a housing loan can become bondage for life.

To avoid this situation, use online calculators to calculate the mortgage. They work the same way and produce identical results. Find loan calculators You can visit banks’ websites (links will follow).

In the second case

If you take out a mortgage for an apartment that costs less than you originally planned, you can repay the loan faster. This will make it possible to obtain a new loan for real estate with an increased area and improved layout.

#4. Create a safety net

If you do not repay the loan on time, the bank will impose sanctions - fines or seizure of real estate.

To avoid this situation, set aside money to pay off your mortgage in a deposit. Try to save up enough money to pay your monthly installments for 6-8 months.

You can also pay off the loan early. This is beneficial: the faster you repay the loan, the less you overpay to the bank. However, not all credit institutions welcome early repayment of loans - some companies fine clients who repay loans ahead of schedule. If you took out a loan from such a bank, we recommend saving money rather than paying off the mortgage with it at the first opportunity.

#5. Take out a loan at the right time

Housing has a minimum price when demand for it is reduced. Try to guess the time when the price of an apartment or house will fall, and buy real estate during this period.

This way you will not only save on the cost of housing, but also take out a mortgage favorable interest rate. Banks lower interest rates when apartment sales fall and accommodate clients halfway in other matters. All you have to do is monitor when housing prices and sales are falling, and plan to purchase an apartment or house at exactly this time.

Conclusion

A mortgage is a good (and sometimes the only) way to improve your living conditions. Mortgage lending allows you to buy an apartment right now, rather than putting off the issue of real estate for 10-15 years.

Mortgage loan amounts, as a rule, start from 1-2 million rubles. Few banks give loans for such amounts without proof of income. Almost all credit organizations require borrowers to confirm their financial condition, availability of work and attract guarantors. We recommend that you think about this in advance so as not to waste time when applying for a loan.

An absolute fact: real estate prices in the Russian capital are showing a steady upward trend. Nevertheless, the need for their own housing among Muscovites and citizens who want to become one is also growing naturally. Therefore, it is quite natural that mortgages in Moscow are gaining popularity day by day. A logical response to the growing demand in the field of mortgage lending was the variety of relevant credit programs from Moscow banks. To study them all and choose the option that is optimal for all the required parameters requires an enormous amount of time, during which housing prices in Moscow will rise even higher. We can avoid these difficulties, save your time and, as a result, your money!

A profitable mortgage for a large amount is a reality!

If you are interested in a mortgage for an apartment, then a huge number of mortgage loans from Moscow banks are at your service. They all differ from each other in a number of ways the following signs: loan amount, duration of the period for which the loan is issued, size of the down payment, amount of overpayment at the mortgage rate, requirements for the borrower, etc.

Of course, every potential borrower wants to find a mortgage loan that offers the most favorable conditions for each of these parameters. In other words, the ideal mortgage in Moscow is a loan for a large sum with a minimum interest rate, issued without a down payment and without draconian requirements for the number of documents submitted about the borrower’s status. Of course, such ideal mortgage loans do not exist (they are simply not profitable for banks), but choose the optimal combination of all requirements and find the best one for yourself mortgage offer- everyone can do it with the help of the site.

How does the service work?

So, the site is a large database of loans that combines all available offers for mortgage loans in Moscow. A convenient navigation system coupled with an intuitive interface will allow everyone to easily select the desired offer from the entire mass of banks according to a given parameter. Thus, you yourself determine those mortgage offers that are not suitable for you for any reason ( high rate, a large down payment, the requirement to collect a hefty package of documents before receiving a loan), and you study only those that you might really want to use. In addition to the actual mortgage offers, on our project you will find important information about the history of each of the lending banks, their reputation, and the features of their loan programs, which will help you make the right decision without significant time investment.

Why is choosing a mortgage from a website so convenient?

Choosing a mortgage offer for a room or apartment that is suitable in all respects using our service gives you the opportunity to minimize current costs when applying for a mortgage. In addition, thanks to the site, you will benefit from paying off your mortgage loan by choosing the most reasonable mortgage rates. Finally, with the help of our project you will save time, which, as we know, is successfully converted into money: if you have chosen several suitable offers for yourself, simply fill out an online application for each! No unnecessary trips to credit institutions - your presence will only be required at one bank, where you will already sign all the necessary documents for the purchase of your new home!

Hello, friends!

Thinking about improvement living conditions? This is a serious step, by taking which you will take greater responsibility not only for yourself, but also for your loved ones. Therefore, it is very important to carry out an analysis at the decision-making stage possible options, their financial opportunities and make the right choice.

Mortgage remains the main solution tool housing problem. The question of which bank is better to take out a mortgage is relevant for most potential borrowers.

IN Russian Federation The problem of providing citizens with affordable housing remains acute to this day. Just some 20 years ago, we just began to develop mechanisms for solving it. At that time, it was not banks that were the main players in the market, but regional and city administrations. It was on their initiative that mortgages began to be developed. regional programs. And only a few years later banks joined the process and almost completely captured the mortgage lending market.

Today, profitable bank offers dazzle the eyes, but experienced borrowers also have plenty of horror stories. How to choose the most favorable conditions in order to feel the joy of your own home and not experience all the hardships of a miserable existence for the next 10 - 20 years? Only through serious analysis of mortgage offers. This is what we will do.

What parameters should you pay special attention to when choosing a bank and mortgage program:

Bank reliability

To assess reliability, you can look at the financial rating on the Banki.ru portal. It is based on the organization’s reporting data, which is published on the Bank of Russia website. For the selected time interval, the rate of development or decline is clearly visible. For example, over the past year, FC Otkritie Bank has seriously fallen in the ranking from the top ten. His assets fell by 35%.

Another way to remove untrustworthy banks from the list for obtaining a mortgage is a deposit insurance system. On the website of the Deposit Insurance Agency there are lists of banks that are undergoing rehabilitation or in the process of liquidation. Mortgages are not taken out for 1 year, so you should still choose a reliable bank.

Type of housing purchased

Banks offer different conditions for housing under construction, new buildings (primary market), secondary market, and country houses.

Loan interest rate

She may be:

• fixed – not to change until the end of the contract;
• variable - depend on economic situation and be reviewed regularly.

In addition, mortgage payments may be:

• annuity – the same amount for the entire duration of the contract;
• differentiated - at the beginning of the term the payment is larger and decreases with each month.

An initial fee

The more you pay the bank at the beginning, the lower your overpayment and monthly mortgage payment will be. It's clear. But not everyone has even 10% of the cost of a future apartment. Let’s say if it costs 2 million rubles, then the contribution will be at least 200 thousand rubles. The amount is not small. For such borrowers, some banks are ready to offer a mortgage without a down payment. But keep in mind that the interest on the loan will be higher.

Loan terms

Today it is up to 30 years. It seems that the longer the loan term, the lower the mortgage payment. This is true, but only partly. In this case you lose by total amount overpayments. Let's look at a specific example.

In the first case, I took out a loan of 2 million rubles. at 10% per annum for 20 years. I used an online calculator and got these results.

In the second case, I will take out a loan of 2 million rubles at 10% per annum, but for 30 years.

In the second case, the payment became less by only 1,749 rubles. And the overpayment increased by 1,686,411 rubles.

Insurance

A mortgage is a lending under which the state obliges the borrower to insure the collateral, i.e., the purchased housing. All other types of insurance (health, job loss, etc.) are optional. You can refuse them before signing the contract or after within 14 days.

If you refuse voluntary insurance, in most cases the mortgage rate will be increased. Banks warn about this in advance.

Benefits and special conditions

First of all, when choosing a mortgage program, you should study the rates and conditions in your salary bank. They may be more profitable than other offers. In addition, study the currently available government programs to support individual categories citizens:

• young families,
• families with 2 or more children,
• state employees,
• military personnel,
• large families,
• single mothers.

If you fall into one of these categories, it makes sense to take a closer look at mortgage programs. Not all banks offer them, but there will definitely be a choice from several.

Additional fees and expenses

Unfortunately, you can’t do without them when applying for a mortgage. Here is a sample list of expenses.

Reviews

I put this point in last place because you need to navigate it with great care and a seriously tuned internal filter. Often people, due to their carelessness or illiteracy, sign contracts with strict lending conditions, and then look for those to blame and abandon sites negative reviews. But also useful information there is a lot to be learned.

Comparative analysis of mortgage programs

We will conduct an analysis of apartments in new buildings.

As you can see, the conditions are 10 largest players in the mortgage market are almost identical. Therefore, additional parameters need to be analyzed. For example, at Rosselkhozbank you can choose a loan repayment method: annuity or differentiated. And at FC Otkritie Bank the interest rate will increase if you do not have time to close the deal within 30 days after the loan is approved.

The procedure for obtaining a mortgage in all banks is standard:

1. Filling out an application (processing period from 1 to 8 working days).
2. Receiving a decision on a loan, which will be valid for 3 months, at VTB - 4 months.
3. Searching for a suitable apartment and completing the final package of documents for obtaining a mortgage.
4. Making a deal.

When I talked about it in previous articles, I repeatedly drew attention to the voluntary nature of this procedure. The only exception is mortgage lending. The borrower is obliged to insure the collateral.

Despite the voluntariness personal insurance(for example, disability), all banks warn that the interest rate will be increased if you refuse it. Sometimes the increase is up to 2%.

Most of the banks in the table participate in the state program to support families with 2 or more children. In this case, the loan rate is 6%. There are also programs for the military, state employees and young families. For participants in salary projects, conditions are more favorable in all banks.

I propose to consider the programs of 5 banks, which, as of June 2018, issued the most mortgage loans. Among them is DeltaCredit Bank, which occupies only 44th place in the overall rating. But I decided to include it in the review because it is in 5th place in terms of the number and volume of loans issued.

State company DOM.RF

Before analyzing mortgage programs in banks, go to the DOM.RF company website. Previously it was called AHML. It began its work back in 1997 with the aim of implementing government programs in the field of housing construction.

After filling out the form on the website, an employee will contact you and help you choose the best mortgage option, including government support. Client support is provided by VTB Bank.

The company has developed several mortgage programs For various categories citizens and under different conditions. Their rates are lower than most banks. For example, I calculated payments on a loan of 1.2 million rubles. for 15 years with an initial payment of 20%. I got the following results.

Mortgage programs of top 5 banks

Sberbank

The bank has a number of adjustment factors to the interest rate.

Electronic registration, refusal of which leads to an increase in the rate by 0.1%, is not a free service. Its cost varies from 5,550 to 10,250 rubles. Depends on the type of housing and region.

Sberbank has special programs for young families, as well as by agreement with the constituent entities of the Russian Federation. In addition, the bank is a partner of the DOM.RF company, which sells government initiatives in the field of housing construction. In particular, there is now a program for families in which the 2nd or 3rd child was born. The rate for them is from 6%.

VTB

Lending terms:

1. For workers in some industries, such as education, healthcare, customs and a number of others, the rate is 0.4% lower.
2. In case of refusal of life and health insurance, the rate increases by 1%.
3. If you want to apply for a mortgage using 2 documents (passport and SNILS or INN), i.e., without proof of income, then get ready to repay the loan at a rate higher by 0.7%.

When purchasing an apartment with an area of ​​65 sq. m there is a reduced interest rate (by 0.7%). To take advantage of the promotion, you must take out comprehensive insurance.

Rosselkhozbank

A special feature of a mortgage at Rosselkhozbank is the ability to choose a loan repayment method:

• annuity payments, i.e. the same throughout the entire loan term;
• differentiated, which decrease every month.

Lending terms:

1. In case of refusal of life and health insurance, the rate increases by 1%.
2. For public sector employees, the rate is reduced by 0.4%.

For citizens who receive income from running personal subsidiary plots, there are more favorable conditions.

Gazprombank

Offers 2 loan repayment schemes: annuity or differentiated. The minimum rate of 9.2% applies when purchasing personal insurance.

• 8.7% for a loan amount of 12 million rubles. in Moscow and the region, St. Petersburg and Leningrad Region;
• 8.7% when purchasing apartments in other regions of the Russian Federation and the loan amount is from 4 million rubles;
• 9% for all borrowers, but for apartments purchased from bank partners.

Promotions are valid only with comprehensive insurance.

DeltaCredit

A bank that specializes in issuing mortgage loans. Lending terms:

1. Interest rate from 8.5%.
2. Duration – up to 25 years.
3. Down payment – ​​from 15%.
4. If you refuse personal insurance - plus 1% to the rate.
5. Co-borrowers – maximum 3 people.
6. The loan is issued to employees, individual entrepreneurs and business owners.

It is possible to use instead of the base rate:

• Optima – minus 0.5% (this service costs 1% of the loan amount);
• Media – minus 1% (this service costs 2.5% of the loan amount);
• Ultra – minus 1.5% (this service costs 4% of the loan amount).

The bank provides the “Mortgage holiday” service. In the first 1 – 2 years you can only pay 50% of monthly fee. Naturally, the underpaid amount is added to the amounts of further payments after the grace period expires.

When you pay the loan once every 14 days (the payment is divided into 2 parts), you shorten the loan period and reduce the amount interest payments. I'll show you with an example how it works. I took out a loan in the amount of 1.6 million rubles. for 20 years, the down payment was 20% or 400 thousand rubles.

When repaying once a month and 2 times a month, the picture is as follows.

Thus, the loan term is reduced by more than 4 years with the same monthly payment amount.

Conclusion

Where is the best mortgage? If you think that now I will recommend a bank to you, then you are mistaken. Too much individual conditions must be taken into account. Have you given birth to your 2nd or 3rd child? Then please go to DOM.RF for a mortgage at a rate of 6%. Or maybe you are a budget employee? Then there are several offers to choose from.

But 5 banks that are today leaders in issuing mortgage loans should definitely interest you first. So start with yours salary bank, and then move on to the top 5. By and large, the conditions in them differ slightly.

And let's not forget one more thing. Once in a lifetime, each borrower can submit documents for reimbursement income tax when purchasing housing. The amount can be impressive.

Today mortgages are issued at low interest rates. The Central Bank of the Russian Federation lowered the value key rate, and after it, banks also reduced rates on mortgage programs. Minimum value– 7.55%. Rated most interesting offers presented in this article.

"Transcapitalbank"

"Transcapitalbank" is another answer to the question of which bank minimum bid on mortgage.

Both managers and business owners can apply for a mortgage loan here. If the applicant cannot provide official confirmation financial condition firms, bank representatives can go to the client to give an opinion on the current state of affairs, the financial viability of the company and its prospects.

You can purchase housing with a mortgage at a minimum interest rate in 2018 in cooperation with Transcapitalbank on the following conditions:

• rate – from 7.55%;
• currency - Russian ruble and foreign currency;
• borrower's age – 21-75 years (at the time of loan settlement);
• The applicant’s work experience with the last employer is at least 3 months;
• Within the framework of mortgage programs, both townhouses and, if they have their own address, residential dachas are financed.

Advantages:

• Maternity capital certificates are accepted as confirmation of the down payment;
• they lend to objects with illegal redevelopment if the changes are made within the boundaries of the purchased housing;
• you can contact the bank even if your earnings are seasonal, which is important for farmers, realtors, lawyers, and so on;
• it is not necessary to confirm income, but the loan rate will be increased;
• Common-law spouses can also obtain a mortgage with subsequent registration of the acquired property as shared, but not joint, ownership.

Flaws:

• lending is possible only in the regions where the bank operates, and their number is limited;
• when purchasing several objects at the same time mortgage agreements you will have to conclude each acquisition separately;
• When taking a mortgage from Transcapitalbank, it is impossible to allocate a share to minors, even with the consent of the guardianship authorities.

Interprogressbank

Interprogressbank offers mortgages under the following conditions:

• interest rate – from 8.25% when purchasing housing in a new building and from 8.75% when purchasing real estate on the secondary market;
• loan term – 3-30 years;
• the maximum loan amount is 20,000,0000 rubles for Moscow and the region, as well as for St. Petersburg. For the Leningrad region, a limit of 10,000,000 rubles has been established;
• The amount of the down payment is from 20% of the cost of the purchased property.

The interest rate will be lower, the larger the share own funds. If the down payment is equal to:

• 20-29%, then the rate reaches 9%;
• 30-49% - 8.75% per annum;
• more than 50% - the cost of the loan will be 8.5%.

These values ​​increase by 0.25% when purchasing housing on the secondary market. Also, the cost of a mortgage increases by 0.7% if life and health insurance is waived and by 0.5% if income is confirmed with a bank certificate.

Business owners, including individual entrepreneurs, must provide a down payment of at least 50% of the cost of housing.

Citizens of the country over 21 years of age, but under 65 years of age, taking into account the expiration date of the contract, can apply for a mortgage. Temporary or permanent registration is required.

Experience requirements:

• general - at least 1 year;
• at the last employer - at least 6 months.

Advantages:

• if you have three or more children, the bank will provide a discount of 0.25%.

Flaws:

• the indicated rates are relevant only for participants in the “Individual Rate” program, according to the terms of which borrowers must pay a commission in the amount of 2% of the loan amount. If you refuse to participate, the cost of the loan increases by 0.5%;
• the bank operates only in Moscow and Leningrad regions, in the cities of Moscow and St. Petersburg;
• large minimum down payment.

"RosEvrobank"

RosEvrobank is another lender offering a minimum interest rate on mortgages. Its conditions:

• interest rate – from 8.75%;
• down payment – ​​from 15% of the cost of the purchased property;
• maximum loan amount – 20,000,000 rubles;
• minimum loan size – 500,000 rubles;
• loan term – 1-20 years.

Requirements for borrowers:

• age – 23-65 years;
• The minimum length of service at your last place of employment is 4 months.

Advantages:

• to increase the loan amount, you can provide additional security in the form of a guarantee from both individuals and legal entities, as well as pledge of securities;
• there is an opportunity to save on the final amount of payments - if you pay the bank from 1.5% to 4% of the loan amount, you can reduce mortgage rate from 0.5% to 1.5%;
• You can refuse life insurance, insurance against the risk of loss of the collateral, but then the cost of the loan increases.

Flaws:

• restrictions on the minimum mortgage amount and the term of the contract;
• the bank operates only in the Moscow region;
• calculation according to credit obligations free of charge at RosEvrobank offices. Many friendly merchants also accept payments, but they charge a fee.

Bank "DeltaCredit"

If you are wondering where one of the lowest mortgage rates is, in which bank in 2018, then it is in DeltaCredit Bank. He credits upon purchase:

• apartments;
• shares in an apartment;
• housing in a new building;
• garage;
• apartments;
• rooms;
• finished house.

There is a special program to improve living conditions, as well as for the construction of an individual residential building.

By submitting an application for a mortgage at DeltaCredit Bank through the Tinkoff online platform, you can receive a discount on interest.

The borrower can become individual aged from 20 to 65 years (at the time of repayment of the mortgage debt) regardless of citizenship.

Lending conditions are specified in the bank's rules:

• term – 1-25 years;
• percentage – from 8.75%;
• minimum down payment – ​​10-40% depending on the lending program;
• loan currency – rubles;
• minimum loan amount – 300,000 rubles (600,000 rubles for Moscow and the region);
• life and health insurance, as well as purchased housing, is mandatory;
• new buildings are financed only after the developer has passed bank accreditation. Today, thousands of construction sites have already undergone this procedure.

If you have a certificate for receiving maternity capital, the minimum down payment is 5%.

Advantages:

• a mortgage can be obtained, including by a foreigner;
• the bank also lends to business owners and top managers;
• you can get a loan by presenting only a passport;
• Maternity capital funds can be used as a down payment.

Flaws:

• For individual entrepreneurs and business owners, a mortgage will cost 1.5% more than for employees (exceptions are the Sverdlovsk and Chelyabinsk regions).

"VTB Bank of Moscow"

Obtaining a mortgage loan from VTB Bank of Moscow is also possible at a moderate interest rate on the following conditions:

• rate – from 9.25%;
• down payment – ​​from 10%;
• insurance of the collateral is mandatory, but the life and health of the borrower is optional.

When purchasing a property with an area of ​​more than 65 sq. m is provided with a discount of 0.5%.

Requirements for the borrower:

• age – 21-60 years (75 years at the time of repayment of the mortgage);
• citizenship – Russian or foreign;
• place of work – Russian Federation;
• registration is not required;
• work experience – at least 1 month from the end of the probationary period at the last place of work with a total work experience of at least 1 year;
• the borrower can be either an employee, an individual entrepreneur, or the owner of a company.

Advantages:

• The application will be accepted if only 2 documents are provided;
• wide network of representative offices;
• if your income is insufficient to obtain the required amount, you can attract a guarantor;
• benefits are provided to participants salary project and employees corporate clients, as well as teachers, doctors and civil servants in the form of a discount of 0.3-0.5% of the loan rate.

Flaws:

• the spouse is in any case involved as the main guarantor;
• If you provide only 2 documents, you must provide at least 40% of the down payment and you cannot use maternity capital funds.

"Opening"

One of the lowest rates mortgage lending in 2018 offered by Otkritie Bank.

The loan is provided for the purchase of housing under construction or already built apartment building. The developer must be accredited by the bank. The list of construction sites approved by Otkritie Bank is limited, but if necessary, the developer can undergo a verification procedure by internal banking services. The loan is also provided for the purchase of the last share in the apartment and the implementation of inseparable home improvements.

Terms and conditions of this lender:

• the minimum mortgage rate for housing is 9.35%;
• minimum loan amount – 500,000 rubles;
• the maximum loan amount is 30,000,000 rubles for Moscow and the region and 15,000,000 rubles for other regions;
• contract duration – 5-30 years;
• number of co-borrowers – no more than 3;
• There is no fee for issuing a loan.

A rate of 9.35% is provided with a down payment of 50% of the cost of housing, a loan term of 5 years, and with comprehensive insurance.

The specified rate increases by:

• 0.25% if income is confirmed by a bank certificate;
• 1% for individual entrepreneurs and business owners;
• 2% if you refuse to insure the risk of loss of rights to the purchased object. Title insurance is not required when purchasing housing in a new building with the transaction executed under 214-FZ;
• 2% in the absence of a life and health insurance policy for the borrower.

The maximum loan amount is 80% of the value of the property. The amount of the down payment is:

• 10% for salary project participants;
• 15% for those who confirm their earnings with a 2-NDFL certificate;
• 20% if the amount of income is indicated in the certificate in free form or in the bank form.

Advantages:

• moderate interest rate;
• Salary project participants are required to make a minimum initial contribution;
• you can get a loan for overhaul existing housing;
• The bank is working with the last shares in the apartment.

Flaws:

• in the absence of comprehensive insurance, the mortgage becomes very expensive, but the policies are also not cheap;
• valid increased rate for businessmen;
• you can't buy a house.

Summary

• Transcapitalbank;
• "RosEvrobank";
• "DeltaCredit Bank";
• "VTB Bank of Moscow";
• Bank opening".

Having determined which bank has the lowest mortgage interest rate in 2018 and sent an application to any of them, it is important to remember the validity period of the decision. In any case, the client has the right to refuse to sign loan agreement at all stages of the transaction.

Transcapitalbank is the best choice in terms of interest rates, as well as the maximum age of the borrower. It is also a leader in terms of loyalty to its customers. Business owners, common-law spouses, those wishing to purchase a property with illegal redevelopment, and those whose income depends on seasonal factors can turn to him for help in purchasing housing.

DeltaCredit Bank is an ideal lender in terms of interest rates for citizens over the age of 20, for foreigners, for those who cannot officially confirm their income, as well as for the management of companies. For this category of clients, this is a bank where they can receive a minimum interest rate. Also this best bank for those who are interested in purchasing a garage, house and similar real estate.

A minimum down payment is required by DeltaCredit. This is 5% of the value of the purchased property if there is a certificate for maternity capital funds.

If you want to solve your problem soon housing issue, you should hurry: due to the significant reduction in mortgage prices, the demand for real estate will increase, to which sellers always respond by raising prices.