Low interest rate mortgage. Was the page helpful to you? Factors that determine the interest rate

When choosing a bank to apply for a housing loan, people try to focus on the lowest mortgage interest in order to save the maximum amount, and not overpay hundreds of thousands.

What determines the mortgage interest rate?

Russian banks have a huge list of mortgage lending programs on different conditions for many categories of people. Now, during an unstable exchange rate, it is better to take mortgage loans in rubles, so that later you do not owe the bank 3-4 times more than the original amount.

For many, the main question is at what percentage they give a loan to buy an apartment or house. The lowest interest can boast more than 10 banks, but it is also important to choose which bank will have the most loyal conditions for obtaining a mortgage.

Data for 2016.

The size of the interest rate is influenced by several factors, but people will find out about this after they have “bought” at the minimum interest. The value of this condition for mortgage loans is affected by:

Minimum mortgage payment from personal funds.
Loan terms.
Borrower salary.
Participation in preferential programs (mortgages for the military, the use of maternity capital, the state program, etc.).
Acquired primary or secondary housing, apartment or private house.
Banks may offer to choose housing from a catalog of collateral, it is cheaper in amount and a loan is issued with the smallest percentage.

A specific rating of mortgage rates cannot be compiled, since small interest rates after paperwork can skyrocket, and an unfavorable rate at another bank can drop by a couple of points if certain conditions are met.

Below will be presented banking organizations and conditions for mortgages with a minimum interest rate. Having considered these options, a person will be able to compare offers and decide which bank is the most convenient and profitable for taking a mortgage to buy a second home or a primary one.

Interesting Facts:

Programs from Sberbank

Today, Sberbank occupies a leading position in the list of the most reliable and profitable banks for lending to the population. A mortgage loan is famous for its low interest rates, but the conditions for obtaining it make it difficult for people with a minimal accumulated cash reserve to get it.

You can get a mortgage at a low rate on the following conditions:

The loan will be issued with an initial payment of at least 50% of the value of the acquired property.
You can get from 300 thousand rubles to 8 million rubles, and for residents of Moscow and St. Petersburg and these regions, this threshold can increase to 15 million rubles.
You can take out a loan for a period of 10 years.

The lowest interest rate here is really low, but it all depends on the category of people who want to get a loan:

Mortgage apartment from Rosselkhozbank

Rosselkhozbank offers its customers home buying loan programs with the lowest interest rates. These are the programs “Mortgage lending” and “Mortgage with state support”.

The conditions of these programs are presented in the table.

The interest rate on a mortgage may increase by 7% if comprehensive insurance is waived, and then one can only dream of a low rate.

Favorable offer from Transcapitalbank

Loans in this bank for the purchase of housing in the secondary market have the lowest interest rates, in addition, it is possible to take out a mortgage with a low down payment or without it at all.

Interest starts from 7%, and a loan can be issued in the amount of up to 20 million rubles. The lending period of this bank is also quite good - a maximum of 20 years.

It is difficult to find a bank with lower interest rates and more loyal conditions, the only negative is the limited distribution of bank branches throughout Russia.

Promsvyazbank and mortgage "Secondary market"

Compared to the previous program, the secondary housing when taking a mortgage in this bank will cost about twice as much, since the rate is 12%. The credit program allows in Moscow, St. Petersburg and these regions to take a mortgage in the amount of up to 30 million rubles, and in other regions up to 20 million rubles.

A prerequisite for obtaining a loan with a minimum interest rate is the signing of an agreement on consent to personal insurance, otherwise the interest will increase by 6%.

Offers from Sviaz-Bank

This bank can offer a relatively small percentage on a mortgage, but the conditions under which it will be are not always profitable, since:

It is necessary to make an initial payment of at least 50% of the cost of housing.
You need to repay the loan for a maximum of 10 years, and a minimum of 3 years.
A person must be a payroll client of this bank.
It is necessary to conclude a comprehensive insurance contract.
Mortgage applies only to the purchase of an apartment.

If at least one of the conditions is not met, then the interest rises sharply to 18%, and this is no longer so tempting.

"Apartment on the secondary market" - an offer from MTS Bank

MTS Bank offers payroll customers and employees of AFK Sistema to take out a secondary mortgage at 13.5% per annum.

The conditions will be:

The amount of the initial payment is not less than 50%.
Loan term from 3 to 10 years.
Amount - 300 thousand - 15 million rubles.

But such an interest rate is not fixed and it can increase under certain conditions:

Favorable offer from Raiffeisenbank

New buildings are an excellent option for families who decide to take out a mortgage and use maternity capital funds to partially repay it. Raiffeisenbank has good offers for these families:

The mortgage amount reaches 26,000,000 rubles.
The loan can be repaid for up to 25 years.
The interest rate starts from 11.5% per annum.

There are small margins here depending on the fulfillment of the requirements of the bank, but in this organization they are really quite small. Thus, the interest rate will be increased by:

0.4% if the family decides to purchase secondary housing.
0.5% if a person refuses to take out comprehensive insurance and is under 45 years old.
3.2% if a person refuses to take out comprehensive insurance and is over 45 years old.

"Acquisition of finished housing" from Interprogressbank

The borrower can take out a mortgage in the amount of up to 20 million rubles, and the interest will vary from 8.75 to 9.25%, but you need to make an initial payment of at least 20% of the cost of housing. The lending period in this bank is quite large - 30 years.

"Collateral real estate" from VTB

VTB 24 Bank has a special catalog of housing, which became its property as collateral when the previous borrower was unable to repay the loan. A new client of the bank can choose the product he likes and apply for a mortgage at 10% per annum or 13% if he refuses the insurance service. Other credit terms:

The amount of the down payment must be more than 20%.
Loan size - 600 thousand - 6 million rubles.
The maximum loan period is 30 years.

These are quite favorable conditions, especially considering what the interest rate will be even without insurance, because for other banks it can increase up to 17-20%.

Unicredit Bank and the Mortgage Calling Program

If the borrower pays 40% or more of the cost of the mortgage product and takes out extensive insurance, the bank will provide a mortgage at 11.5% per annum. If the amount contributed by the borrower is less than the specified percentage (but not less than 15%), then the rate will rise by 0.25%, and the refusal of insurance will raise it by another 3.5 points.

Mortgage Calculator

There are a lot of banks in Russia and it will take a lot of time to learn about all the offers. But on each official website there is a loan calculator in the mortgage section. In it you can find out all the parameters of interest and then compare the programs.

Are you wondering where is the best place to do it? And each potential borrower has his own view on the mortgage, some want to pay small interest, others need the possibility of long-term lending. To determine the greatest benefit, a thorough study of the mortgage agreement is necessary.
At the moment, each credit organization of the capital is trying to create attractive conditions for the mortgage of citizens. If you want to choose a reliable bank for lending, we offer an incomplete list of the following organizations:

Bank opening
Alfa Bank
Sberbank of Russia
VTB 24
Tinkoff

There are many factors that influence the correct choice of a mortgage bank. First of all, you need:

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 terms of the mortgage in each of them
Pay attention to interest rates, the lower they are, the more favorable the loan terms, and your overpayment is less
Remember that not only the interest rate will become your overpayment for housing. Factors such as insurance and real estate appraisals can be included in your expenses.
Some banks may also impose personal insurance. After considering this offer well, you can tactfully refuse it.

What to Consider When Choosing a Bank for a Mortgage Loan

Particular attention when choosing a bank should be given to:

Interest rate
The amount of the initial contribution and whether the bank has programs without an initial contribution
The term of the contract. The longer the mortgage term, the lower the monthly payment
The amount of any additional costs. Especially the fact of renting a bank cell and one-time commissions

Negotiate the conditions for early closure of the loan, how to do it without commissions and a moratorium. Specify how you can attract maternity capital to pay off the mortgage and use government subsidies.

It is profitable to take a mortgage in Moscow - a young family

How profitable is it to take a mortgage in Moscow for a young family - 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 the age of 35 a minimum rate with a small down payment. For your information, this program has nothing to do with the state and is relevant only for this bank.
Also, social mortgage programs have been introduced in some banks. The state federal mortgage program for young families "Housing" is designed for young families who are on the waiting list to improve their living conditions. The state can pay up to 30% of the total cost of the apartment, and with the birth of two children and up to 40%.

Citizens who do not have registration in Moscow according to the Constitution of the Russian Federation have equal rights, wherever they are. But in reality, the situation looks a little different.
For people who are not registered in Moscow, but 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 easier to meet borrowers and issue mortgage loans without any problems. Many credit organizations do not see any obstacles in issuing funds to Russians with the registration of another city, if only it were at all. The reason for their refusal to citizens without registration, some banks justify the huge risks associated with unreliability and the inability to verify the borrower's income.

We will advise you on how to get a mortgage in Moscow without registration. Get at least a temporary residence permit and then plan a mortgage to purchase an apartment.

The desire of every borrower is to get a mortgage on the most favorable terms. How to choose a mortgage in Moscow with a favorable interest rate and repay the loan without any problems in the future? Basically, the lowest rate is on the safest loans. Before allocating a loan to a person, banks analyze his financial capabilities and mortgage real estate. An apartment or other housing will become a guarantee for creditors.
Particularly favorable lending conditions will be provided when the borrower's own funds are deposited. The higher the percentage of the cost of housing paid by the buyer, the lower the interest rate on the mortgage. Also, small interest is paid by buyers of new buildings who purchase apartments from partners of the creditor bank.

Many banks or other credit organizations issue mortgages to citizens. Where is it more profitable to take such loans in Moscow for the purchase of real estate? To make this determination, you need to do the following:

Choose a few banks whose terms you are most interested in
Discuss with them all the nuances of the mortgage
Choose the most suitable for you
Try to choose payroll banks, that is, those where you do not need to provide salary certificates and other documents. Applications are processed faster, interest rates may be lower
Find those banks that have special programs, promotions, etc.

Making a mortgage, where it is more profitable to take a loan in Moscow, is an important point that requires a responsible approach. A mortgage is taken for more than one year, on what conditions and in which bank - it's up to you. As the saying goes, whoever seeks always finds!
Chistye Prudy will be happy to help you arrange 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 settlers as soon as possible!

Call by phone

A profitable mortgage in Moscow allows you to refuse rented housing, makes it possible to attract other members of your family to pay for payments. differ in the variety of offers on the market. A housing loan can be issued in such a way that, if desired, you can pay off the mortgage ahead of schedule, use preferential terms.

How to get a profitable mortgage in Moscow?

When looking for which bank to get a profitable mortgage, 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 be for large families, under programs with maternity capital, the military. can be found on a residential building with communications, a small studio apartment or standard housing.

The most profitable mortgage - the conditions of banks in Moscow

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

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

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

Check out the overpayments. Although initially the same input data, they may differ. They include commissions, the interest accrual scheme is taken into account. A loan for an apartment will be with a lower monthly installment if you take it for a long time, for example, for 15-20 years. But under such conditions, the amount of overpayment increases.

Documents for obtaining a favorable loan for housing in Moscow

If you are looking for where a mortgage is more profitable in Moscow, pay attention to the list of documents. Choose accommodation for which all documents are in order. Must be those. passport, extract from Rosreestr, documents confirming the absence of debts on payments.

The applicant for a mortgage loan must provide:

official papers for benefits;
the passport;
a copy of the work book;
income statements.

The list may change depending on the policy of the institution.

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 has for calculations and selection of the best options. Stop the choice on several banks and. Favorable terms offered

Getting a loan on favorable terms is the desire of every applicant. Which bank has the best mortgage in 2019? To get an answer, it is not necessary to contact a credit broker or look for information yourself, just read our article.

How to get a mortgage at a minimum interest

The lowest mortgage rate is offered on the most secure deals. Initially, lenders analyze the potential borrower and his financial capabilities, and then the object that is planned to be purchased. After all, it is real estate that will guarantee the return of the funds received.

Interest rate discounts offer:

when applying for life insurance of the title co-borrower;
when personal savings account for more than 30-50% of the property value;
upon payment of a special commission;
those who are ready to conclude a mortgage agreement for a minimum period (up to 5-10 years), but then the payments will be very large;
reliable applicants with a stable official income;
payroll participants.

The best conditions for mortgages are more often received by those who are ready to provide at least 50% of the cost of housing at their own expense. The minimum rates are available to buyers of real estate in new buildings sold by the bank's partners.

There is a chance to save money by participating in preferential programs implemented with state support. Such projects are available only to targeted recipients, for example, public sector employees, families with children.

Where is the best place to get a mortgage?

When determining which bank is better to take a mortgage, many factors should be taken into account.

Payroll customers, as those whose income is easy to trace and whose employers the lender has checked and constantly monitors, are credited on more favorable terms.

The best mortgage isn't always the lowest rate. You also need to clarify:

whether the bank works with the selected type of real estate. Problems are possible with architectural monuments, with apartments, with rooms or shares in apartments, with the purchase of residential buildings, with the location of the object and the availability of infrastructure in it;
what related payments are possible when servicing the contract, for example, commissions for making a payment, for example, if there is no branch of the creditor in the city of residence, for early repayment;
what types of insurance are mandatory in addition to real estate insurance. Some banks require you to enter into title insurance contracts. Such a policy will cost 0.2-3% of the value of the property;
whether you need to show income, and how much more the mortgage will cost if you do not confirm it, and so on.

Which bank has the best mortgage

The banks themselves will help determine where it is better to get a mortgage. It is necessary to choose 2-3 most interesting offers and apply to creditors implementing such programs. Based on the analysis of applications, the bank will be able to say exactly how much a mortgage will cost for a specific application.

Preferential mortgage lending programs

The most profitable mortgage offers are offered under special, preferential programs. Such projects are available to public sector employees, families with children. Some programs are implemented only in certain regions.

Level bet 8,5% given for the term of the contract up to 7 years. 7-12 years old – 8% , and for a longer period ( up to 30 years) – 10,5% .

The interest rate is determined individually. It depends on factors such as:

the amount of the initial payment;
the consent of the borrower to insure his life, health;
the presence of the status of "salary client of Sberbank";
loan terms;
availability of documents confirming income;
the liquidity of the property that is provided as collateral.

age limit - 75 years old, minimum - 21 years old;
income verification is not required;
low percentage.

in fact, the minimum rates are available only to those who can pay most of the cost of the object with personal funds, who are able to make large monthly payments, since the shorter the loan term, the more you have to pay, although the overpayment will ultimately be less;
if you apply for 2 documents, then the initial payment should be at least 50% ;
The offer is relevant only for the purchase of apartments in accredited properties.

VTB offer

The best mortgage bank for individuals who are looking for offers with a low down payment and a 30 year loan period.

Bankers provide loans to the following persons:

citizenship - any;
registration - no restrictions;
in active labor relations.

Advantages:

30 years;
favorable credit rate - 10,1% ;
a discount in the price of lending is available to those who belong to the “People of Action”, that is, those working in the public sector;
a small discount is given when buying a home more 65 sq.m and participants of salary projects;
the conditions are relevant both for new buildings and for housing on the secondary market;
10% ;
minimum loan - 600 thousand, maximum - 60 million rubles.

Flaws:

it is obligatory to purchase comprehensive insurance, including insurance of the title of rights and life and health;
if a citizen does not have a VTB salary card, then the base rate is added 0,5% .

The cheapest mortgage

The most budget option is offered by Sberbank. Even taking into account the fact that outside the action, a new building will cost him 10.5% per annum against 10.1% in VTB, due to the requirement to conclude a comprehensive insurance contract, maintenance may become somewhat more expensive.

The rate on finished housing at Sberbank is also higher - 10.2%. But service, nevertheless, will be cheaper due to the absence of the requirement for registration of title insurance.

The best banks for mortgages

Loan aggregators, acting as intermediaries between clients and banks, also help to find where the most profitable mortgage is. These include Tinkoff Bank and AHML. The latter organization works through its regional partners and quite actively promotes all socially significant projects implemented with the support of government agencies.

Mortgage in Tinkoff Bank

Mortgage with Tinkoff Bank is the price of the agreement from 9,7% and until 25 years.

only a passport and a certificate of income are required from the borrower (in the form of Tinkoff or 2-NDFL);
the object of the transaction may be the last room, and a town house, and a residential building or cottage;
some bank-friendly developers offer discounts to bank customers;
Tinkoff-Bank cooperates with 9 banks;
lending to individual entrepreneurs;
the share of approvals of applications is over 90%.

Tinkoff Bank works with state support programs for families: with mother capital and with family mortgages at 6%.

all work is carried out remotely, which means a delay in response to customer requests;
the final requirements for the borrower and the acquired property, including the minimum share of personal savings, can be clarified only after checking the questionnaire and obtaining the consent of the partner bank for lending;
it is possible to assess the real terms of the transaction only at the stage of signing a mortgage agreement, when some expenses have already been made (for an assessment, for certificates, and so on).

Mortgage programs from AHML

A standard offer from AHML is a rate from 10,3% at the term of the contract 3-30 years old. The object of lending is housing purchased both in the secondary and primary markets.

sum - 30 000 000 rubles;
minimum deposit from 15% ;
"Easy mortgage" is issued according to 2 documents, without confirmation of earnings, but the rate increases;
mother's capital will be taken into account as a down payment, but then there should be a minimum of personal savings 10% ;
it is possible to link the mortgage price to changes in the key rate;
Required work experience - from 3 months with the last employer.

The agency cooperates with the Ministry of Defense of the Russian Federation on "Military Mortgage" and with regional authorities, offering various local preferential mortgage lending projects, as well as with family mortgages with a grace period of up to 8 years and a rate of 6%.

the minimum amount 500 000 rubles;
age - 21-65 years;
it is important for businessmen to show at least 2 years of break-even activity.

Eastern Bank

Mortgage from the "East Bank" is issued at a rate of 10,5% per annum. Maximum amount - 30 000 00 0 rubles for lending in Moscow, St. Petersburg and their regions, 15 000 000 rubles when applying in other regions. Minimum loan amount - 500 000 rubles.

personal savings from 15% ;
experience - from 6 months;
crediting under 2 documents is allowed.

businessmen are required to show break-even activity for a period of at least 24 months;
age of borrowers 21-65 years;
for the purchase of apartments is required from 30% own funds;
refusal of personal insurance leads to an increase in the rate on 0,7% ;
the bank operates through JSC DOM (AHML).

"Bank "Saint-Petersburg"

In Bank Saint Petersburg, a mortgage loan costs from 10,25% when buying a home in a new building (program "Mortgage from 10.25%") and from 10.5% when working in the secondary real estate market. Contracts are concluded for 1-25 years old for amounts 500,000 - 10,000,000 rubles.

payments - annuity or differentiated;
a foreign citizen can act as a co-borrower;
age - 18-70 years(65 years old for women);
total work experience - 1 year of which 4 months in last place;
businessmen and self-employed show at least 1 year of break-even activity;
there is also a mortgage provided only by passport;
You can purchase all types of housing, as well as parking spaces.

own savings - from 20% , if the application is made only on the basis of a passport, then they independently pay a minimum 30% ;
typical interest rate for a new building - 11% . Reduced rate in 10,25% applies only to objects from the groups of companies LSR, CDS, Etalon, Polis Group, Leader Group, LLC Petra-8, Glavstroy-SPb.

UBRD

UBRD provides mortgages for ready-made housing at a rate of 10,15% per annum. Credit limit - 300,000 - 30,000,000 rubles.

required experience - from 3 months in the last place with a total experience of 1 year;
maximum age - 70 years old;
term of the mortgage 5, 10, 15, 20 or 25 years;
employees of UBRD partner enterprises will receive a discount in 0,25% from the base rate.

Available up to 2 active loans. Current debt is invalid.

borrowers must pay with their own money at least 20 %;
minimum age - 23 years old.

Mortgage loan from Rosselkhozbank

Profitable 10% per annum, attract a lot of Russians who want to get a loan to purchase their own apartment. In Rosselkhozbank, a loan at the above percentage can be taken by applicants:

aged from 21 to 65 years old;
with a common labor over a year of experience in the last five years;
working at the last place of work for more than six months;
having permanent or temporary registration in the Russian Federation.

Citizens who are owners of salary cards must provide confirmation of six months of work experience for the last five years. And with the last employer, you only need to work for three months.

The bank issues a loan under the following conditions:

sum - 100,000 - 60,000,000 rubles;
maximum loan term 30 years;
minimum initial deposit 15% .

settlement is possible both by annuity and differentiated payments;
The bank lends to owners of household plots.

the maximum loan amount is provided only when buying an apartment, including under DDU, or when purchasing an apartment. No more than 2 0 000 000 rubles;
when purchasing apartments, you will have to pay at least 30% their cost with own funds;
10% per annum under the agreement will be received by those who invest at least 3 000 000 rubles of personal savings;
if the borrower/co-borrower refuses to insure their life, health, the interest rate will increase by 1%.

Offer "Promsvyazbank" "New buildings in the mortgage from 9.8%"

Beneficial for applicants who practically do not have their own money. After all, bankers agree to lend to citizens if they contribute 10% of the price of the apartment as an advance payment.

Promsvyazbank's offer to purchase a home with a mortgage contains the following items:

bid from 9.8% per annum;
buying an apartment from a developer accredited by the bank;
maximum loan amount 20 million, and in Moscow, St. Petersburg and the Moscow region - 30 million rubles;
maximum mortgage maturity 25 years.

if you purchase a new building from a developer-partner of the Gold PSB class, the price of the contract will be reduced to 9,7% ;
for holders of salary cards, as well as those who work in the defense industry, who use the Orange Premium Club package, the base interest rate is equal to 9,5% ;
Promsvyazbank partners give discounts on some objects.

9,8% is set for a mortgage if housing is bought from partners of the Platinum PSB segment;
preferential rates apply subject to payment of at least 15% the value of real estate at the expense of their own money and when applying for life insurance.

Mortgage for a new building from Gazprombank

Offers the program "Mortgage from the largest developers 10,5% ».

down payment from 10% ;
term of the contract 1-30 years;
maximum amount - 60 000 000 rubles when acquiring real estate in Moscow or St. Petersburg and 45 000 000 rubles, if it is located in other cities;
age of applicants 20-65 years.

Mother capital is accepted as a down payment, but then personal savings should be at least 5% from the value of the purchased property.

minimum loan amount 500 000 rubles;
the base rate is set only when buying a home from partners of Gazprombank;
if apartments are bought, then personal savings pay at least 20% their cost, and the base rate will be no less than 10,8% ;
bad credit history is not allowed.

Mortgage program from Energotransbank

Energotrasbank gives mortgages for the purchase of both ready-made and housing under construction at a base rate of 9,5 %.

loan term up to 25 years;
personal investment from 10% ;
required experience - from 6 months last;
discounts from the base rate in the amount of 0,5% will be received by participants in salary projects, public sector employees and those who provided a certificate in the form 2-NDFL;
maximum age of the borrower - 70 years.

minimum contract amount 500 000 rubles;
the bank lends to citizens if they have already turned 23 of the year;
it is important to live and permanently register in the region where Energotransbank operates;
only purchases of apartments, townhouses and cottages are credited.

Offer of Raiffeisenbank

Together with Raiffeisenbank, they acquire both new housing and ready-made ones. The cost of lending - from 9,99% .

the largest amount 26 000 000 rubles;
term - 1-30 years;
when calculating solvency, the income of common-law spouses is also taken into account;
personal funds - not less than 15% ;
age of applicants 21-65 years;
minimum work experience - 6 months at the last place of employment with a total work experience of 12 months. If a person has been working for more than 2 years, then it is enough for the last employer to be registered for 3 months.

Raiffeisenbank lends to foreign citizens. The main thing is that their place of work is actually in Russia.

minimum loan limit 800 000 rubles for real estate in the capital or in the capital region and 500 000 rubles for transactions made in other regions of the country;
if you do not draw up a comprehensive insurance contract, then the maximum age of applicants is limited 60 years;
only approved 1 existing mortgage loan.

"Alfa Bank"

A mortgage from Alfa-Bank is a rate of at least 10,19% . The program is designed for the acquisition of housing under construction or finished.

private savings - from 15% ;
deadline - up to 30 years;
maximum amount - 50 000 000 rubles;
payroll clients of Alfa-Bank will receive a discount in 0,3% to the base rate of interest;
possible citizenship of Russia, the Republic of Belarus, Ukraine;
age - 21-70 years.

minimum loan amount 600 000 rubles;
rate rises to 0,5% if personal funds are less 20% , if a residential building is bought, if income is not confirmed;
the cost of a loan in case of refusal of life insurance increases by 1% ;
added to base rate 0,25% if you need money for a townhouse.

Mortgage loan for the purchase of housing from the "Bank of Housing Finance"

Offers flexible mortgage terms. Interest rate for the purchase of real estate - 10,5% .

minimum down payment 20% ;
minimum loan term 1 year, maximum - 30 years;
There is a possibility of lending 2 documents;
loan amount from 450 thousand to 20 million rubles.

the loan is provided exclusively to citizens of the Russian Federation;
the apartment must be located in the settlement where the BZHF department operates;
the building in which the object is located must have at least three floors.

Program of Uralsib Bank "Housing under construction"

In Uralsib Bank, a loan can be obtained under the Housing under Construction program under 10.5% per annum.

age - 18-70 years;
last place experience 3 month;
the bank lends to individual entrepreneurs and businessmen;
amount of credit - from 300 thousand to 50 million rubles;
loan terms - from 3 to 30 years;
advance payment - 15%.

it is important that the employer exists for at least 1 of the year;
if during the year more 3 once the settlement terms under the agreement were violated, Uralsib may demand termination of the agreement.

The most favorable mortgage for secondary housing

The best mortgage offers of 2019 for the purchase of finished housing are products from:

"Energotransbank" with a rate of 9.5%;
Tinkoff - 9.7%;
Raiffeisenbank - 9.99%.

The most profitable mortgage for a new building

The most profitable mortgage programs for a new building are offered under:

8.5% - Sberbank;
9.5% - Energotransbank;
9.7% - Tinkoff.

The cheapest mortgage in Moscow

The best mortgage in Moscow is offered by Sberbank. This lender is ready to lend at 8.5% per annum when buying an apartment in a house under construction.

New buildings with cheap mortgages in Moscow

A good discount for mortgage borrowers is given by partner developers:

"Promsvyazbank";
"Tinkoff";
Bank Saint Petersburg.

The most profitable mortgage in St. Petersburg

The most profitable mortgages in St. Petersburg are offered by Sberbank when buying housing in an accredited new building and Energotransbank when buying ready-made housing.

At what interest rate, and under what conditions in 2020 can you take a mortgage from Sberbank to buy housing in the secondary real estate market and in new buildings. Who can apply for a loan today, how to do it, what documents are needed for this. The calculator will help calculate the payment.

Sberbank of Russia has lowered rates and getting a mortgage has become more profitable. As a result, today you can take a home loan at a minimum of 6.5% per annum, subject to life insurance and proof of income. These percentages are quite attractive to clients. In this review, the correspondents of the site will analyze in detail the features of housing loans in the Security Council of the Russian Federation, talk about how to get a loan for real estate.

Mortgage programs in Sberbank

Like many large banks, Sberbank today has several mortgage programs. Each of them has its own characteristics and is designed for borrowers with different wallet thicknesses and needs. Among them:

purchase of housing under construction - from 6.5%;
purchase of finished housing - from 8.5%;
construction of a residential building - 9.7%;
suburban real estate - from 9.2%;
purchase of a garage or parking space - from 9.7%;
with state support for families with children - from 5%;
under maternity capital - from 6.5%.

Doesn't fit? See what mortgage rates VTB Bank offers.

Ways to reduce rates on Sberbank mortgages

In addition, today the bank has several promotions for mortgage loans, which allow you to reduce the rate.

1. Discount for salary customers of Sberbank.
If you receive a salary on a card of the Security Council of the Russian Federation, you can count on a 0.5% discount.

2. Discount for a complete set of documents.
If you provided proof of income and employment, then expect a 0.3% discount.

3. Discount for insurance.
If you take out life insurance, the rate will be lower by 1%.

4. Discount for a young family.
If one of the spouses is under 35 years old, then the discount will be 0.4%.

5. 0.3% discount when buying an apartment on DomClick.
Valid for the purchase of a number of apartments selected on the DomClick portal. The reduction in mortgage rates for pre-screened apartments is 0.3 percent.

Sberbank: mortgage rates and conditions in 2020

Consider the current interest rates and conditions of mortgage programs of Sberbank in Moscow, St. Petersburg and Russia as a whole.

1. Sberbank mortgage for new buildings

This mortgage program is intended for the purchase of an apartment under construction, a residential building or other residential premises in the primary real estate market.

Conditions

> Term: up to 30 years / up to 12 years under the rate subsidy program by developers;

> Down payment: from 10% (from 50% when applying for two documents).

> Min. amount: 300,000 rubles;

85% of the appraised value of another property that is pledged.

Interest rates

Valid for payroll clients of Sberbank, subject to life and health insurance of the borrower.

Allowances:

0.3% - with an initial payment of up to 20% (not including the upper limit);
+ 0.5% - for clients who do not receive a salary on a card account or a deposit in Sberbank;
+ 0.3% - for clients who did not provide proof of income and employment, subject to a down payment of 50%;

Calculate your monthly mortgage payment

2. Sberbank mortgage for secondary housing

This mortgage loan from Sberbank is issued for the purchase of an apartment, house or other residential premises in the secondary real estate market.

Conditions

> Term: up to 30 years;

> Down payment: from 10% (from 50% for clients who have not provided proof of income and employment);

> Min. amount: 300,000 rubles;

> Max. amount: must not exceed the lesser of the following:

85% of the contractual value of the loaned residential premises;
85% of the appraised value of a mortgaged or other mortgaged dwelling.

Interest rates

For payroll clients subject to life and health insurance:

Allowances:

0.3% - when buying an apartment not chosen on Domclick.ru, or an apartment not participating in the promotion "0.3% Discount on Domclick.ru";
+ 0.4% - with an initial payment of up to 20% (not including the upper limit);
+ 0.5% - if you do not receive a salary on a Sberbank card;
+ 0.8% - if you did not provide proof of income and employment;
+ 1.0% - in case of cancellation of life and health insurance.

Not satisfied? See what rates Rosselkhozbank offers.

3. Sberbank mortgage on construction of a residential building

This mortgage loan is provided for the individual construction of a residential building .

Conditions

> Term: up to 30 years;

> Down payment: from 25%.

> Min. amount: from 300,000 rubles;

> Max. amount: must not exceed the smaller of:

75% of the contractual value of the loaned residential premises;
75% of the appraised value of the mortgaged or other mortgaged premises.

Interest rate

9.7% per annum in rubles.

Allowances:

See also the terms of mortgage lending at Gazprombank.

4. Sberbank mortgage on suburban real estate

This loan is provided for the purchase or construction of a dacha (garden house) and other consumer buildings. You can also spend money on buying land.

Conditions

> Term: up to 30 years

> Down payment: from 25%

> Min. amount: from 300 000 rubles

> Max. amount: must not exceed the smaller of:

75% of the contractual value of the credited property/estimated cost of construction and the contractual value of the land plot;
75% of the appraised value of the property being loaned or otherwise pledged as collateral.

Interest rates

For payroll clients subject to life and health insurance:

9.2% per annum in rubles.

Allowances:

0.5% - if you do not receive a salary from Sberbank;
+1.0% — for the period before mortgage registration;
+1.0% - in case of refusal of life and health insurance of the borrower.

Not profitable? See what mortgage conditions Alfa-Bank offers today.

5. Sberbank mortgage on garage or parking space

This loan is provided for the purchase of a finished or under construction garage (or parking space). You can also spend money on the individual construction of a garage, including the simultaneous acquisition of the land on which it is located or will be built.

Conditions

> Term: up to 30 years;

> Down payment: from 25%;

> Max. amount: must not exceed 75% of the contractual value of the property to be credited / the estimated cost of construction.

Interest rates

For payroll clients subject to life and health insurance:

9.7% per annum in rubles.

Allowances:

0.5% - if you do not receive a salary from Sberbank;
+1% — for the period before mortgage registration;
+1% — in case of refusal of life and health insurance of the borrower.

See the terms of the mortgage at DeltaCredit Bank (Rosbank).

6. Mortgage with state support for families with children

This is a state mortgage support program for families in which a second or third child was born from January 01, 2018 to December 31, 2022. The loan can be obtained by citizens of the Russian Federation aged 21 to 75 years (at the time of loan repayment). Money is issued for the purchase of finished or under construction housing, including a house or a townhouse.

Conditions

> Term: from 1 year to 30 years;

> Down payment: 20%;

> Min. amount: 300,000 rubles;

> Max. sum:

12 million rubles in Moscow, the Moscow region, St. Petersburg and the Leningrad region;
6 million rubles in other cities and regions of Russia.

Interest rates

Operates subject to life and health insurance of the borrower.

5% per annum for the entire loan term

Allowances:

1% - when life and health insurance is canceled , in accordance with the requirements of the Security Council of the Russian Federation.

Life and health insurance of the borrower is a prerequisite for issuing a loan. Without this condition, the loan cannot be granted!

See mortgage rates at Promsvyazbank.

7. Mortgage in Sberbank under maternal capital

When purchasing finished or under construction housing on credit with the help of Sberbank, you can use maternity capital funds for a down payment or part of it. You can take a mortgage at Sberbank under maternity capital for the purchase of finished or under construction housing.

Conditions

> Residential premises purchased with the use of maternity capital must be registered in the ownership of the borrower / common shared property of the spouses and his / their children (optional);

> Clients who do not receive wages to an account opened with Sberbank, when applying for a loan, must provide documents confirming the financial condition and employment of the borrower / co-borrower / guarantor;

> Within 6 months from the date of issuance of the loan, you must contact the office of the Pension Fund of the Russian Federation to transfer funds (part of the funds) of maternity (family) capital to pay off the debt on the loan.

Required documents

In addition to the standard package of documents, in this case, the following are additionally provided:

State certificate for maternity (family) capital;
A document (certificate, notification, etc.) from the territorial body of the Pension Fund of the Russian Federation on the balance of maternity capital.

How to get a mortgage in Sberbank

Today, Sberbank is trying in every possible way to simplify the process of obtaining mortgage loans through digitalization. All the main actions are proposed to be done on the official website of the bank:

Submit an application through the bank's website;
Choose an apartment in a new building or non-secondary real estate market;
Complete the transaction by electronic registration.

The loan is provided at the branches of Sberbank of Russia at the place of:

registration of the borrower;
finding the property to be credited;
accreditation of the company - the employer of the borrower.

The term for consideration of a loan application is from 2 to 5 working days from the date of submission of a complete package of documents.

Who can get a mortgage

Requirements for borrowers in Sberbank today are simple and clear:

Citizenship: RF.
Age: from 21 to 75 years (at the time of full repayment of the loan).
Length of service: at least 6 months at the current place of work and at least 1 year of total experience for the last 5 years (does not apply to payroll clients).

Documents for a Sberbank mortgage in 2020

To apply for a mortgage loan at Sberbank, you need to collect and submit a solid set of documents.

When confirming income and employment, you must submit:

application-questionnaire of the borrower / co-borrower;
passport of the borrower / co-borrower with a registration mark;
a document confirming registration at the place of stay (if there is a temporary registration);
documents confirming the financial condition and employment of the borrower / co-borrower.

If the client plans to apply for a mortgage without proof of income and employment (according to 2 documents), then you need to bring to the bank an application form of the borrower, the borrower's passport with a registration mark, as well as a second identity document (optional):

driver's license;
soldier's identity card;
identity card of an employee of the federal authorities;
military ID;
international passport;
insurance certificate of compulsory pension insurance.

Within 90 calendar days from the date Sberbank makes a decision to issue a mortgage loan, you will also need to submit:

documents on the credited residential premises;
documents confirming the availability of the down payment.

Sberbank will have to repay the mortgage loan in monthly annuity (equal) payments. Partial or full early repayment of the loan is allowed.

Conclusions: is it profitable to apply for a mortgage in Sberbank

The Security Council of the Russian Federation is one of the leaders in mortgage lending in Russia. Sberbank offers today have a number of advantages. These are, first of all, rather low interest rates. A small down payment (from 10%) and convenient registration via the Internet on the DomClick.ru website can also serve as a plus. All this will allow many Russians who previously thought about purchasing real estate to solve their housing problem, believes Expert of 10 Banks on mortgage products Igor Kuznetsov.