Cheap home mortgage. The best banks for mortgages

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

This data indicates the popularity of the topic, so today we will look at what housing loans are and where and how you can get a mortgage. + We will give you some recommendations that will increase your chances of getting a loan.

What is a mortgage?

mortgage is special kind loan to buy a home. If the borrower uses a mortgage, then he buys an apartment or house and immediately pledges them 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
cause property damage
will arbitrarily change the technical characteristics of an apartment or house (for example, make a redevelopment and do not agree on it)
violates the terms of insurance (if the insurance contract was drawn up together with a mortgage).

What are the conditions?

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

For now, let's look at General requirements given by the bank to borrowers.

#one. Age

The minimum age for obtaining a mortgage loan in most banks is 21 years.

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

#2. Solvency

First of all, banks look at whether the borrower will be able to repay the loan and avoid delays.

Financial institutions evaluate:

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

Banks also evaluate the costs of the borrower. If a client who wants to take a loan has a lot of dependents (children, retired parents, other people), then the probability of loan approval is reduced.

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

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

#3. Belonging to a preferential category

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

families with 2 or more children (provided maternal capital that can be used to buy a home)
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 make part of the loan or help with the first installment. 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. There is a high probability of obtaining a loan 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 a month. Loan managers believe that the profits from the business are fickle, and the borrower can lose his livelihood at any time.

How much will you have to pay?

Let's analyze the situation using an example: The cost of an 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. And in total, the family will spend 9 million 900 thousand rubles on buying an apartment (4,000,000 - the cost of real estate, 5,900,000 - an overpayment on a loan).

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

How to get a mortgage loan on your own?

Let's move on to the algorithm that will help you get a loan for housing. We will analyze how a mortgage is issued in two ways: independently and with the help of loan brokers.

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

#one. Choice of housing

Banks issue mortgage loans for the following types 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 bought under a contract. equity participation. But not all banks give such loans.

The borrower should be guided not only by desires, but also by opportunities. The bank will not give a loan if you have to pay for housing more than 50% of the official monthly income. But in order to create a margin of safety, we advise you to focus on such 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. When choosing a financial institution and a specific loan, pay attention to:

the amount of the down payment
credit limit
insurance
reputation of a credit institution
reviews
conditions early repayment
maximum allowable delays
the number of documents to process.

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

#3. Collection of paperwork, filing an application

We will analyze what documents are needed for a mortgage.

Banks will be asked to present the following papers:

loan application
borrower's passport (if there are guarantors and co-borrowers - copies of their passports)
certificate of income for the last 6 months (in the form of 2-NDFL or bank)
a copy of the work book certified by the employer
company registration documents (if the borrower owns a business)
documents for an apartment or house that are planned to be purchased on a mortgage.

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

For owners 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 for the sale of real estate on maternity capital.

For the military:

permission from Rosvoenipoteka.

#4. Registration of the contract

Mortgage agreements are drawn up by banks, and customers 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
terms of early repayment
commissions (for opening an account, conducting transactions, etc.)
late fees.

If at least one condition does not suit you, you can tell the credit manager about it. In the case when the bank does not want to change the contract, it is better to find another credit institution.

To sign loan agreement the same day you received it for study, optional. You can take a copy home and reread it in peace 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, credit institutions allocate 1-2 months to the choice of real estate. 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 a bank. Real estate is immediately pledged to a credit institution, about 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 customers to issue life insurance, solvency, health, risk of loan default insurance policies. 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 register the deal with Rosreestr. To do this, bring all the documents to the Rosreestr office or online - a mortgage agreement, an apartment or house purchase / sale agreement, a mortgage, an insurance policy. After 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 loan broker?

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

By contacting a mortgage broker, these problems can be avoided. He will apply to several banks at once. The borrower's candidacy will be simultaneously considered by several credit institutions. This will allow you not to waste time collecting documents for each bank.

Brokers also have connections with credit managers in 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 any 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%. At a distance of 15-20 years, this saves 1-2 million rubles.

Where to get a mortgage?

We studied which banks give mortgages and made our TOP loan offers. The rating includes reliable organizations from among the 20 largest banks in the country.

If you think , in which bank it is better to take a mortgage loan, use any offer from our article.

#one. Tinkoff Mortgage

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

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 form an individual offer. If the loan has been approved by several credit institutions, the borrower decides which bank to take a mortgage loan from.

#2. Opening

Otkritie Bank offers profitable mortgage loans to all categories of customers.

interest rate - from 9.35% per annum
loan term - from 5 to 30 years
minimum deposit - from 10%
the amount is 0.5-30 million rubles.

You can apply for a mortgage at Otkritie Bank on the official website. To get pre-approval by SMS, just fill out the questionnaire. With a positive decision, you need to provide documents for the borrower and for real estate at the branch of Otkritie Bank. Credit specialist examine the papers and make a decision.

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

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

Focus on the payment schedule so as not to pay fines. Transfer money 2-3 days before the day indicated in the schedule. If you repay the loan through Opening partners (Qiwi, Eleksnet, golden crown and other systems), we recommend extending the period to 4-5 days.

#3. VTB

Borrowers can get a mortgage in the country's second largest bank - VTB.

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

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

You can repay the loan at ATMs and VTB branches. The devices and offices of the bank are presented on interactive map on the official website and in the application of the bank.

#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 deposit - from 10%
the amount is 0.3-8 million rubles.

Sberbank accepts applications for mortgage loans on the website and in branches. Prepare documents in advance so that the loan manager can review them faster. The decision will be made 1-2 weeks after the transfer of papers. A month is given to search for housing, during which time you need to have time to pick up real estate, conclude a mortgage agreement and insure an apartment or house.

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

The advantage of the offer from Sberbank is low mortgage rates. The company gives a loan at 6% per annum to participants in the state program "Mortgage with state support for families with children."

#5. Raiffeisen Bank

The branch of the Austrian 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 deposit - from 10%
amount - up to 26 million rubles.

You can get a loan from Raiffeisen Bank by applying on the official website. After a preliminary decision, you can prepare documents and visit the office of Raiffeisenbank. 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 at Raiffeisenbank, you can use ATMs and company branches.

Which bank has the most low mortgage ? Sberbank now offers the minimum interest on 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 think they need to pay attention before taking out a mortgage.

#one. Do not take foreign currency loans

Several tens of thousands of people have already suffered from foreign currency mortgages. They took loans in dollars or euros at a favorable rate (1-2%), but could not repay the loan when the ruble exchange rate in 2014-2015 fell by 1.5-2 times.

If you receive a salary in rubles, then take loans in rubles. If your employer pays you in euros or US dollars, then you can consider these currencies for a home loan.

#2. Read the contract carefully

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

If you know a lawyer or a bank employee, call him with you to apply for a loan. Representatives of such professions know what to look for, and will immediately find catches 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 credit institutions that do not deceive customers.

#3. Calculate the forces

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

It is difficult to live in this mode for 10-15 years. It is better to limit yourself to costs of 30-40% of income per month. In this case, you will have to reduce the amount of the mortgage. This can be done in two ways: take a long-term loan, and choose cheaper housing.

In the first case

the probability of loan approval decreases with increasing term
the monthly payment with an increase in the term of the loan decreases slightly.

Consider an example: There are two loans with the same amount and interest (3 million rubles, 12% per annum), but for different periods (one for 20 years, the other for 30 years). Using the online calculator to calculate the terms of the mortgage, 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 getting a mortgage, needs to correlate his desires and possibilities. Otherwise, a home loan can become bondage for life.

To avoid this situation, use online calculators to calculate mortgage. They work the same way and produce identical results. You can find loan calculators on the websites of banks (links will be further).

In the second case

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

#4. Create an airbag

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

In order not to get into such a situation, set aside money to pay off the mortgage on a deposit. Try to save enough money to pay monthly premiums for 6-8 months.

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

#5. Get a loan at the right time

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

So you not only save on the cost of housing, but also take a mortgage under favorable interest. Banks lower interest rates when apartment sales fall, and meet customers halfway in other matters as well. It's up to the little thing - to track when house prices and sales are falling, and plan to purchase an apartment or house at that time.

Conclusion

Mortgages are a good (and sometimes the only) way to improve living conditions. Mortgage credit lending allows you to buy an apartment right now, and not to postpone the issue of real estate for 10-15 years.

Amounts of mortgage loans, as a rule, start from 1-2 million rubles. Few banks give loans for such amounts without a certificate of income. Almost all credit organizations require borrowers to confirm financial condition, the 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.

Buying your own home is a topical issue for many Russians. You can solve this problem in a short time if you issue housing loan. It represents the target long-term loan issued for the purchase or construction of residential real estate. When buying an object, you can consider options both in the primary and secondary markets. Mortgage in Moscow necessarily involves collateral. Often it becomes an object purchased on borrowed funds. The loan amount can reach 10-20 million rubles. A lot will depend on your income level. You can make a deal for 20-30 years, the main thing is to fit into the age range. Most often it is from 21 to 75 years.

Registration procedure

Before applying, pay attention to the interest rate, possible bonuses payroll clients and the possibility of early repayment. Find out in advance the loan repayment scheme (annuity or differentiated payments). With the first option, you need to pay the same amount every month, with the second, the amount will gradually decrease. A mortgage is issued in Moscow as follows:

Submission of an application (at a bank branch or remotely) and obtaining a preliminary decision.
Selection of real estate based on the approved amount and the lender's requirements for residential properties.
Evaluation of selected housing and provision of all documentation to a bank specialist.
Obtaining a final decision and providing a full package of documents.
Conclusion of an agreement and registration of housing in Rosreestr.

Where and how to look for a suitable solution?

site - a large web resource presenting financial products, services and news. We have collected thousands of offers for loans (including mortgages), loans, deposits, insurance, securities and other products. Use the search filter to find the best solution. Fill in a few fields, after which the system will leave only those offers that match the required values. You will only have to compare them with each other. An alternative way is to use the "Selection Wizard". This is a convenient and intuitive service that, based on your answers to questions in a special questionnaire, will select personal offers. For counting economic benefit use one of our online calculators. Using the portal, you can avoid unjustified risks and overpayments.

All offers displayed on this page are the best or profitable only according to the experts of Banki.ru

The desire to get a loan for an apartment at a low interest rate is understandable, since the average housing rates are now 15-20% per annum. To find the most profitable one, just enter in our credit calculator the search parameters you need and you will get a list of banks and their offers.

How to find the most profitable mortgage in Moscow?

If you are a client of a particular bank, then you should first consider it credit programs. Many are more loyal to customers who are their cardholders or account holders, which means they can offer you Better conditions by mortgage. Therefore, do not rush to write off a credit institution to which you have already contacted and used its services more than once.

You can count on low interest in the following cases:

if you take an apartment in a new building, and not secondary housing;
if you are ready to make an initial payment of at least 40%;
you are a bank customer;
you can confirm your ability to pay with salary certificates;
you have a good credit history and you have at least 6 months of work experience at your current job.

Finding profitable terms mortgages in Moscow, do not delay the application, as the programs of banks can change at any time.

Many people who do not have enough money to buy an apartment or a private house for cash turn to help banking institutions to take out a loan to buy real estate.

The most profitable mortgage in Moscow banks

Consider the popular offers of Moscow banks for the mortgage of the current year.

Leading Russian bank Sberbank offers low mortgage rates. Ready-made housing in this credit institution will be offered to you at a rate of 10.75% per annum. The bank offers such a low percentage on the condition that you are a young family and you have three or more minor children as dependents. In this case, the loan is given for a period of 10 years, and the down payment will be more than 50%. If you have less than three children to raise, the rate will start at 11.5% per year.
Rosselkhozbank has the lowest mortgage rate in the city of Moscow as part of the Mortgage with State Support program. This is 10.9% per annum for Russian citizens from 21 to 64 years old who have documented their income. If the borrower refuses insurance, the bank will increase the rate by 7%. Loan term - up to 30 years, advance amount - 20% of the loan value. These loans are for housing. secondary market or on living quarters in buildings under construction.
Promsvyazbank makes an offer with the most low percentage on a mortgage in the city of Moscow, which will be 12%. The person must be 21 years of age at the time of taking out the loan. The loan is granted for at least 3 years.
Profitable mortgage 2020 in the city of Moscow is offered by Svyaz-Bank with a rate of 12.25%. In this case, the advance payment should be equal to 50-90% of the price of the apartment, the term of the loan is 3-10 years. The borrower must have a salary card of this bank.
MTS Bank gives loans in Moscow for housing on the secondary market to applicants who are somehow related to this financial organization(have payment cards or are employees of Sistema). Advance payment - 50-85%, 3-10 years of loan provision. Payments are calculated in equal monthly installments.
Gazprombank sets the percentage of the annual rate, according to the amount of the first payment. 11.5% - if any salary card the specified bank, the first installment is more than 50%. Resale real estate is taken on credit from state-owned Moscow enterprises.

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.
On the this moment each credit organization of the capital is trying to create attractive conditions for the mortgage of citizens. If you wish to apply for a loan 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 affect correctness. 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 impose and 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 pre-payment and whether the bank has programs
The term of the contract. The longer the mortgage term, the lower the monthly payment
The size of all additional costs. Especially the lease safe deposit box and one-time fees

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

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

How profitable - 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 the minimum bid with little 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 full cost apartments, 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, 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.

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 it financial opportunities and mortgage facility real estate. An apartment or other housing will become a guarantee for creditors.
Particularly favorable lending conditions will be when making own funds borrower. How more percentage of the cost of housing paid by the buyer, the lower the interest rate on the mortgage. Also, small interest is paid by those 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 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 it is not required 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.

Mortgage registration, where it is more profitable to take a loan in Moscow, important point requiring 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!

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