For most residents of Russia, mortgages are the only way to get your own home. To find the most advantageous option for mortgage lending, borrowers choose a creditor bank by such criteria as the interest rate, the amount of the initial installment, the amount of overpayment, the length of service at the last place, the income confirmation, additional commissions, the amount of compulsory insurance.
The best banks for mortgages in 2017 - we have selected 10 financial institutions offering favorable conditions for mortgage lending. Recall that to expect a minimum interest rate borrower can only if certain conditions of the bank. It should also be taken into account that when you apply to your "salary" bank, you can count on bonuses in the form of an accelerated application review process, the provision of a minimum package of documents and possible benefits at a loan rate.
When choosing a financial institution with the most favorable conditions for mortgage lending, it is necessary to find out whether the borrower falls into special programs intended for certain categories of citizens. This can be a social mortgage, mortgage for a young family, young professionals or military personnel.
10
VTB Bank of Moscow
Among the best banks for mortgages for many years includes VTB Bank of Moscow .For those who want to buy housing in the secondary market, he offers good conditions for mortgage lending. The loan term is from 1 to 30 years. The minimum down payment is 10%.
The basic rate for the loan is from 10 to 11%:
- 10% per annum for the salary customers of the bank( this includes civil servants, teachers and doctors from the "People of the case");
- 10, 5% per annum for borrowers from "People of the case", who are not salary customers of the bank;
- 10.7% per annum - for all other salary customers;
- 11% per annum - for other borrowers.
If the borrower refuses personal and title insurance, the loan rate increases by 1%.
The Bank does not take a commission for consideration of the application for a loan. The period for consideration of the application is from 1 to 4 working days.
Pros:
- low interest rate;
- discounts certain categories of customers;
- the account of means of the parent capital as an initial payment.
The drawbacks include the restriction of the minimum amount of partial early repayment of a mortgage loan to VTB Bank of Moscow.
The loan is granted for up to 30 years.
9
Deltacredit
You can register a mortgage on favorable terms in bank "Deltacredit" .
The minimum loan rate is 10%.The down payment is 15%.The loan is granted to the borrower for a period of up to 25 years. One of the advantages of mortgage registration in Deltacredit is that it is not necessary to have Russian citizenship. For salary customers, the bank provides a discount of 0.25% of the mortgage rate. Holders of the parent capital can use it as a down payment or send to repay a part of the loan.
8
Moscow Mortgage Agency
Among the best banks for mortgages is "Moscow Mortgage Agency" with the program "Social Mortgage".Any citizen of the Russian Federation who has been in service for more than a year can become a party to it. The minimum mortgage rate is 12%.The loan is granted for up to 30 years. The minimum payment is 20%.Minus - obligatory registration of personal insurance of the borrower. In case of refusal, the bank significantly increases the credit rate - by 3.5%.
7
Gazprombank
Gazprombank is one of the best banks where it is possible to obtain a mortgage loan for purchasing housing in the secondary market on favorable terms for the borrower. If the client is able to make an initial contribution of 50% and agrees to issue a loan for up to 7 years, the interest rate on the mortgage will be 10.8%.The rest of clients can use a mortgage with state support. Plus a loan in Gazprombank - with the borrower's refusal from personal insurance, the interest rate remains unchanged.
6
Rosselkhozbank
For those wishing to purchase real estate in a new building or under construction housing, the will be a good choice, offering good conditions for the state mortgage program. The minimum rate is 9% per annum. The loan is granted for up to 30 years. The initial payment is more than in some other banks - not less than 20%.
5
FC Opening of
Among the best banks for mortgages is FC "Discovery" .Under 11.5% per annum to buy real estate in the secondary market can citizens of the Russian Federation, who have worked for at least 1 year, who can document their income. Salary clients of the bank can expect a discount of 0.25% of the loan rate. The loan is granted for up to 30 years. The minimum payment is 20%.
4
Sberbank
One of the best banks for mortgages, Sberbank , offers many credit programs. Those who want to buy a house in a new building can apply for a mortgage, the minimum interest rate is 11.5%.For customers interested in the secondary market, the bank can offer other options with a loan rate from 12.5% to 14.5%.The rate is determined individually for each borrower and depends on such factors as the presence of the status of a "salary" client, the amount of the initial installment, the borrower's consent to life insurance.
Less - if you opt out of insurance, the interest rate increases by 1%.
3
Uralsib
Among the best banks providing mortgage loans, is Uralsib .The minimum rate for a loan for the purchase of finished housing is from 11.75%.For borrowers who want to buy real estate in a new building, there is a more advantageous option - in this case, the minimum rate will be from 10.40%.For customers of the bank's partners there is a discount - they can issue a loan at a rate of 11.5%.The loan period is from 3 to 25 years. The down payment is 10%.
2
Raiffeisen Bank
Raiffeisen Bank is one of the best banks for mortgages. The minimum loan rate is from 11%.Applications are processed within 2 to 5 business days. For clients of the bank there are preferential terms: a simplified package of documents and the possibility of reducing the mortgage rate. Often the bank holds shares with developers.
1
Alfa-Bank
Among the best banks for the mortgage is Alfa-Bank .The Borrower can expect a minimum rate of 11% and a quick review of the application. Alfa-Bank works according to the following programs: "Assign your bet", "Assign your insurance", "Mortgage with parent capital", "Mortgages with state support".For "payday" customers, the interest on the loan is from 9.75%.If the borrower is ready to pay an initial deposit of 50% of the loan amount, the interest rate is reduced to 10%.