Mortgage loan comes to the rescue, when it is almost impossible to save up for the purchase of housing, and there is neither desire nor opportunity to save 15-20 years. Russian banks offer a lot of mortgage programs, differing rates and terms of lending, as well as the size of the initial installment. The average mortgage rate for 6 months of 2013 was 12.8% per annum in rubles.
In today's Top-10 we have included the most profitable mortgage programs of Russian banks.
We will make a reservation at once, all mentioned programs assume the presence of at least a small initial payment. Loans without down payment always have a high interest rate, as the bank takes on an increased risk.
Content:
- 10. Promotion for young families from Sberbank
- 9. Mortgage for two documents from VTB-24
- 8. Loan for finished housing in new buildings from Uralsib
- 7. Program "Maternity capital - housewarming" from Bank ITB
- 6.Maternity Capital Program from Admiralteysky Bank
- 5. Secondary Market Program from European Trust Bank
- 4. My Apartment Program from My Bank
- 3. Maternity Capital Program from Pushkino
- 2. Program"New Construction" from Rosenergobank
- 1. Crediton a new building from the
RIP 10. The action for young families from the Savings Bank
The SB RF regularly enters the rating: "The best banks for mortgages" and offers more than a dozen mortgage programs for different categories of borrowers. However, the most favorable conditions are in effect this summer for young families, in which even one of the spouses has not yet reached the age of 35.The minimum initial deposit is 10%, the rate is from 10.5% per annum, and the loan term is up to 30 years.
9. Mortgage for two documents from VTB-24
Who tried it, he knows how difficult it is to issue a package of documents for a loan. In case the borrower is ready to pay from 35% of the value of real estate, the bank issues a loan on the basis of only two documents( passports and a choice: copies of the driver's license or SNILS).Rates on the loan - from 11.5%, the period - up to 20 years.
In addition, VTB-24 offers the best credit cards under the most favorable conditions.
8. Loan for ready-made housing in new buildings from Uralsib
The mortgage rate in URALSIB Bank is quite attractive - 11% with an initial contribution of 20%.The maximum term of the loan is 30 years, the maximum loan amount is 8 million rubles. The main condition for participation in the program is the acquisition of housing from a developer or other legal entity.
7. Maternity Capital - Housewarming program from ITB
Bank ITB offers a profitable way to get a loan at 7.65%.Paying 1.9% of the loan amount at a time, you can reduce the standard rate of 11.65% by as much as 4 points. To receive a loan, the program requires 10% down payment. The maximum crediting period is 30 years.
6. Maternity Capital Program from Admiralteysky Bank
The minimum initial contribution under the long-term program is 10% of the value of the desired property and can be paid at the expense of the parent capital. The interest rate "starts" from 8.95%, and the maximum loan term is 20 years.
5. Secondary market program from the European trust bank
The minimum interest rate is 9.2%, the loan is provided according to the standards of the Mortgage and Housing Loan Agency( AHML), which implies the provision of an extended package of documents. The maximum term of the loan is 30 years.
4. My apartment program from My Bank
The program assumes an advantageous acquisition of apartments in apartment buildings in the secondary market. The minimum rate on the loan is 9.2%, the minimum down payment is 10% of the cost of housing. The maximum loan term is 30 years.
3. Maternity Capital Program from Pushkino Bank
The loan rate starts at 8.95% per annum, the maximum loan amount is 15 million rubles. The minimum initial deposit is a standard 10% of the value of the property, while it is possible to acquire housing both from developers - legal entities and on the secondary market.
2. The program "New Construction" from Rosenergobank
The loan rate will be at least 7.9%, the maximum loan amount is quite impressive - 12 million rubles. The size of the down payment is from 20%, and the maximum loan period is 30 years. The main condition - the purchase of an apartment from the developer, who issued the ownership of the already commissioned facility.
1. Loan for a new building from the
RIP. The Russian Mortgage Bank offers the most profitable mortgage program .The interest rate on the loan starts from 7.65%, the maximum period is 30 years, and the maximum amount of the mortgage is 3 million rubles. The seller of real estate under the terms of the program can act only as a legal entity.