Are you wondering where is the best place to do this? And each potential borrower has his own view of a mortgage: some want to pay low interest, others want the possibility of long-term lending. To determine the greatest benefit, a careful study of the mortgage agreement is necessary.
On this moment Every credit institution in the capital is trying to create attractive conditions for mortgages for citizens. If you want to choose for lending reliable bank, we offer a partial list of the following organizations:

• Bank opening
• Alfa Bank
• Sberbank of Russia
• VTB 24
• Tinkoff

There are many factors that influence the correctness. First of all you need to:

• Decide on the purpose of contacting creditors. Almost all banks have loyalty programs for the purchase of new buildings and secondary housing.
• Browse the websites of Moscow banks, read the mortgage conditions in each of them
• Pay attention to interest rates, the lower they are, the more favorable the lending conditions, and your overpayment is less
• Remember that it’s not just the interest rate that will cause you to overpay for housing. Factors such as insurance and property valuation may be included in your expenses.
• Some banks may impose and personal insurance. Having thought this offer over carefully, you can tactfully refuse it.

What to consider when choosing a bank for a mortgage loan

When choosing a bank, special attention should be paid to:

• The interest rate
• The amount of the advance payment and whether the bank has a program
• Duration of the contract. The longer the mortgage term, the lower the monthly payment
• Size for everyone additional expenses. Especially the fact of renting a safe deposit box and one-time commissions

Negotiate the terms early closure loan, how to do it without fees and moratorium. Find out how you can use maternity capital to pay off your mortgage and use government subsidies.

It is profitable to take out a mortgage in Moscow for a young family

How is it beneficial for the most needy contingent among Russians? Many banks use preferential programs to attract loans to young families. For example, banks such as Sberbank of Russia offer borrowers under 35 years of age a minimum rate with a small down payment. For your information, this program has nothing to do with government programs and is relevant only for this bank.
also in individual banks programs introduced social mortgage. The state federal mortgage program for young families “Housing” is designed for young families who are in line to improve their living conditions. The state can pay up to 30% of full cost apartments, and with the birth of two children and up to 40%.

Citizens who are not registered in Moscow according to the Constitution of the Russian Federation have equal rights, no matter where they are. But in reality the situation looks a little different.
For people who are registered in another Russian city, a very important point is the presence of a bank branch in your region. In such a situation, capital banks are more willing to meet borrowers halfway and issue loans without any problems. mortgage loans. Many credit organizations They don’t see any obstacles in issuing funds to Russians with registration in another city, as long as it exists at all. Some banks justify their refusal to citizens without registration by the huge risks associated with unreliability and the inability to verify the borrower’s income.

The desire of every borrower is to obtain a mortgage on the most favorable terms. How to choose a profitable mortgage in Moscow interest rate and repay the loan without any problems in the future? Basically, the lowest rates are for the safest loans. Before issuing a loan to a person, banks analyze his financial capabilities and the mortgaged property. An apartment or other housing will become a guarantee for creditors.
Particularly favorable lending conditions will be available when depositing own funds borrower. How more percentage the buyer pays the cost of the home, the lower the mortgage interest rate. Also, small interest is paid by those who purchase apartments from partners of the lending bank.

Many banks or other credit organizations issue mortgages to citizens. Where is it more profitable to buy these in Moscow for buying real estate? To make this determination, the following steps must be taken:

• Select several banks whose conditions interest you most
• Discuss with them all the nuances of the mortgage
• Choose the one that suits you best
• Try to choose salary banks, that is, those where it is not required to provide salary certificates and other documents. Applications are processed faster and interest rates may be lower
• Find those banks that have special programs, promotions, etc.

Applying for a mortgage, where it is more profitable to take out a loan in Moscow, important point, requiring a responsible approach. The mortgage is taken out for more than one year, on what terms and in which bank - it’s up to you to decide. As they say, whoever seeks always finds!
Company Chistye Prudy We will be happy to help you obtain a mortgage on the most favorable terms for you. We cooperate with many lending banks and can recommend you as decent and solvent borrowers. will help you buy an apartment in Moscow or the Moscow region with a mortgage. We are waiting and wish you to become new residents as soon as possible!

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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?

We will talk about the specific parameters of a profitable mortgage loan 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 on the market mortgage lending 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 the maximum loan amount for a borrower and the loan term. The financial institution will not issue a loan if the amount monthly payment 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. Family doesn't use it maternal 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 on 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%
• maximum amount- 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 rates on mortgage. 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 most low 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 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. You can find loan calculators on bank 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 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 institutions require borrowers to confirm financial condition, availability of a place 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.

When your own funds are not enough to purchase housing, the only option is to solve housing problem becomes a mortgage in banks. Active credit programs allow you to buy real estate in a short period of time, so you don’t have to save personal funds for such an expensive purchase for many years.

What loans do banks offer for the purchase of housing in Moscow?

Today we provide loans for the purchase of the following types of real estate:

• in a new building or on the secondary market;
• with a plot, dacha, cottage, townhouse;
• apartments;
• , parking space.

A variety of mortgage programs allows you to take out a mortgage in Moscow, taking into account your financial opportunities and needs:

• with a minimum down payment;
• secured by existing real estate;
• at a reduced rate within benefit program lending.

In addition, banks offer a mortgage loan refinancing service. To choose profitable proposition, we suggest calculating the rate and payment amount on our website. Enter in credit calculator required parameters and get a list of banks ready to provide you with a loan based on your requests.

Conditions for obtaining a mortgage in 2020

Mortgage is long-term loan Therefore, before concluding an agreement, banks carefully analyze the client’s financial condition and assess its stability. To confirm your solvency you will need to provide:

• income certificate;
• documents confirming the availability of money for the down payment (bank account statement or maternity capital certificate);
• work book;
• passport.

Mortgages are issued to persons aged 21 to 65 with a sufficient level of income. If wage does not meet the bank’s requirements, the borrower may involve additional parties to the transaction - close relatives or a spouse - in the execution of the agreement.

Mortgage rates in Moscow depend on the loan term and category of borrower:

• The average interest rate is 10-13% per annum.
• Benefited categories of persons can count on a minimum percentage (8-9%): , employees budgetary organizations, as well as those who are ready to make a big an initial fee.
• Many large banks offer reduced rates for their clients who receive their salaries on a card.

The contract is drawn up for a period of up to 30 years. Some banks offer a loan without a down payment, with the possibility of paying a down payment or with funds received from the state as a subsidy for the purchase of housing.

“Tochka” is a joint financial project of banks “Qiwi” and “FC Otkritie”. Acquiring is one of the key activities of Tochka. In this article we will tell you what types of acquiring Tochka offers, what their features and costs are.

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Mortgage for youth

Since 2017 the average size mortgages in Russia have grown significantly. This is especially noticeable among young people. For example, the loan amount from clients under 25 years of age increased by 17.6%, to RUB 1.78 million. Next, we will talk about mortgage programs for young borrowers.

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Matkapital can be used for a down payment on a mortgage and to pay off part of the debt. In the article, we will tell you what difficulties families face when they allocate maternity capital for a mortgage, and also consider pitfalls that you will not learn about at the bank.

• Banking discussions

  ONF: mortgage holidays should be given for more reasons

  The ONF considers it possible to include divorce, business difficulties, and illness of a child in the list of grounds for issuing mortgage holidays and increase their period from six to nine months. This proposal was made by the head of the front-line project “For the Rights of Borrowers” ​​Evgenia Lazareva. There is no accurate data yet on how many borrowers took advantage of

  14 Feb 2020

• New Product

  “Levoberezhny” offers to take out a mortgage for the purchase of a house at a rate of 9% per annum

  Loan for the purchase of private housing construction with land plot at the Levoberezhny bank you can currently apply at a rate of 9% per annum. The minimum rate is provided if the following conditions are met: the initial contribution is at least 50% of the cost of square meters, activation of the “Set your rate” option (to the bank’s cash desk

  07 Feb 2020

• New Product

  Far Eastern Bank issues mortgages at 2% per annum

  At the Far Eastern Bank you can now get a mortgage loan at a rate of 2% per annum. The credit and financial structure has joined the state program “Far Eastern Mortgage”. The service allows young families (the age of spouses is not older than 35 years) and young people who are not married and have children to preferential terms purchase

  14 Jan 2020

• Analytics

  “Rosbank House”: Krasnodar residents spend on average 29% of their income on mortgage servicing

  According to Rosbank Dom, the income of the average mortgage borrower bank in the Krasnodar region is a little over 94 thousand rubles. For service home loan regional clients financial structure They spend about 29% of this amount monthly - almost 28 thousand rubles. Krasnodar region is one of the key

  22 Nov 2019

• 731 million rubles will be allocated from the budget to foreign currency mortgagers

  Hostages of the currency crisis will receive 731.6 million rubles from the budget as aid. This follows from a decree signed on October 3 by Prime Minister Dmitry Medvedev. These funds will be used to reimburse loan agreements and losses that borrowers suffered after debt restructuring. First of all,

  05 Oct 2018

• At the forefront

  Absolut Bank presented digital mortgages

  Absolut Bank specialists have developed a new electronic platform designed for automated issuance of mortgage loans. The product has already begun to be used in the offices of the credit institution. The functionality of the service can also be used by specialists from developers and real estate agencies who are partners of the credit

  14 Feb 2018

• Current

  Absolut Bank allowed to take out mortgages on apartments owned by other banks

  Absolut Bank has expanded the capabilities of its mortgage program. Now clients can apply for a mortgage on real estate pledged to third-party lending institutions. The minimum rate for this mortgage service is 10% per annum. The loan size ranges from 300 thousand to 20 million rubles. Minimum

  12 Oct 2017

• Changes in rates

  Rossiya Bank has reduced mortgage rates

  Rossiya Bank reduced mortgage rates by 1%. Now the rate is mortgage programs“New meters” (for those wishing to buy housing on the primary market) and “Available meters” (secondary housing market) starts at 11% per annum. The maximum term for issuing a mortgage loan is 25 years, the maximum loan amount is 15

  March 07, 2017

A profitable mortgage in Moscow allows you to give up renting housing and makes it possible to involve other members of your family in payments. differ in the variety of offers on the market. A housing loan can be arranged in such a way that, if desired, you can repay the mortgage ahead of schedule and take advantage of preferential conditions.

How to get a profitable mortgage in Moscow?

When looking for which bank to get a favorable mortgage from, pay attention to the offers:

• with preferential conditions;
• no down payment;
• with a minimum down payment.

The most profitable mortgage in Moscow is issued for real estate in a new building or on the secondary market. The main requirement for it is liquidity. Can large families, under programs with maternity capital, military. can be found for a residential building with communications, a small studio apartment or standard housing.

The most profitable mortgage - conditions of banks in Moscow

The most profitable housing loan in Moscow is easier for citizens with:

• official employment;
• a fully formed package of documents;
• good credit history.

Bank conditions and rates will be more favorable if the borrower has salary card or used the program. The latter involves changing a bank in Moscow to one that offers more favorable conditions. When determining which bank in Moscow is more profitable for a mortgage, study offers with an interest rate of 6% or lower.

Review the overpayment amounts. Despite the initially identical input data, they may differ. They include commissions and take into account the interest calculation scheme. The loan for the apartment will be less monthly installment, if you take it for a long time, for example, 15-20 years. But under such conditions, the amount of overpayment increases.

Documents for obtaining a profitable loan for housing in Moscow

If you are looking for a more profitable mortgage in Moscow, pay attention to the list of documents. Choose housing for which all documents are in order. Must be tech. passport, extract from Rosreestr, documents confirming the absence of payment debts.

The mortgage loan applicant must provide:

• official documents for benefits;
• passport;
• a copy of the work book;
• income certificates.

The list may vary depending on the institution's policies.

Where is it more profitable to get a mortgage in Moscow?

You can find the most suitable solution, the most profitable mortgage loans in Moscow, on our website. It is available for calculations and selection of optimal options. Choose from several banks and... Profitable terms proposed,