For thousands of Russians, mortgages are the only way to buy your own home. When deciding whether the in which bank to take the mortgage, a reasonable client studies not only the interest rate, but also the availability of several programs for different categories of borrowers, experience in drawing up such transactions, popularity in the mortgage lending market.
Today we publish the rating of the best mortgage banks according to the analytical center of the company Rusipoteka. The top ten included leading mortgage banks 2011, ranked by the volume of issued loans.
10. Absolut Bank , the volume of issued mortgage loans is 8,581 million rubles, the number of transactions is 4,995. The bank offers five different lending programs at a rate of 11.99% per annum in rubles, an initial contribution of 10% of the cost of housing,- Up to 25 years.
9. Zapsibkombank , 8,792 million rubles, the number of transactions - 5,525. The bank provides an opportunity to obtain a mortgage without an initial payment, special conditions for regular customers and a long loan period of up to 30 years.
8. The revival of , 9,150 million rubles, the number of transactions - 4,593. Several credit programs are available for clients, including the "Social Mortgage", implemented with the support of the administrations of the constituent entities of the Russian Federation.
7. Raiffeisenbank , 9,612 million rubles, the number of transactions - 3,621. The bank offers loans at rates from 12.50% per annum in rubles or from 9% in US dollars. An interesting feature is the possibility of completing a transaction without compulsory conclusion of an insurance contract with an increase in the interest rate by only 0.3%.
6. Uralsib , 9,619 million rubles, the number of transactions - 6,916. The bank offers five different lending programs, including special conditions for regular customers. The interest rate is from 10.5% per annum in rubles.
5. Rosbank , 13,084 million rubles, number of transactions - 6,594. There are 8 mortgage lending programs in the bank. The loan term is up to 25 years, the interest rate is from 10.75% per annum in rubles or from 9% in foreign currency.
4. DeltaCredit , 18,144 million rubles, number of transactions - 7,079. This credit institution specializes in mortgages. The interest rate on the loan is from 10.5% in rubles and from 7.25% in foreign currency. The bank offers 12 different mortgage programs.
3. Gazprombank , 45,690 million rubles, number of transactions - 23,902. The best mortgage banks countries, as the rating shows, are credit organizations with state participation. They are the three leaders. Gazprombank provides loans secured by real estate for up to 30 years according to 12 current mortgage programs. The loan amount can be up to 85% of the cost of housing.
2. VTB 24 , 80 382 million rubles, the number of transactions - 52,245. The bank offers 15 mortgage programs and a record loan period of up to 50 years. The minimum down payment is 10% of the value of the property. The interest rate on loans in rubles - from 8.9% per annum. Among the individual programs - mortgage for employees of Olympic facilities, mortgages for military personnel and a loan for a house on the security of land.
1. Sberbank , 320 712 million rubles, the number of transactions - 285 151. Today the bank offers several lending programs with a rate of 9.5% in rubles and from 8.8% in foreign currency. Initial payment - from 10% of the cost of housing. Among the special programs are a mortgage with state support and a military mortgage. Deserved first place in the rating of mortgage banks.