The best mortgage banks. Where and how to profitably get a mortgage: step-by-step instructions, necessary documents and reviews

Many people, not having enough funds to purchase an apartment or private house in cash, turn to banking institutions to take out a loan to purchase real estate.

The most profitable mortgage in Moscow banks

Let's consider the popular mortgage offers of Moscow banks for the current year.

The leading Russian bank Sberbank offers low mortgage rates. This credit institution will offer you finished housing 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 dependent on you. In this case, the loan is given for a period of 10 years, and the down payment will be more than 50%. If you are raising less than three children, the rate will start at 11.5% per year.
Rosselkhozbank has the lowest mortgage rate in 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%. The loan term is up to 30 years, the advance amount is 20% of the loan cost. Such loans are issued for housing on the secondary market or for residential premises in buildings under construction.
Promsvyazbank makes an offer with the most low percentage for a mortgage in Moscow, which will be 12%. The person must be 21 years old at the time of taking out the loan. The loan is provided for a minimum of 3 years.
Svyaz-Bank offers a profitable mortgage 2019 in Moscow with a rate of 12.25%. In this case, the down payment should be equal to 50-90% of the price of the apartment, the loan period is 3-10 years. The borrower must have a salary card from this bank.
MTS Bank provides loans in Moscow for secondary market housing to applicants who have one way or another relation to this financial organization(have payment cards or are employees of Sistema JSFC). Advance – 50-85%, 3-10 years of loan. Payments are calculated in equal monthly installments.
Gazprombank sets the annual interest rate according to the amount of the first payment. 11.5% - if you have a salary card from the specified bank, the first payment is more than 50%. Secondary real estate is taken on credit from state-owned Moscow enterprises.

Good afternoon, dear readers of the financial magazine “site”! Today we’ll talk about a profitable mortgage loan (cheap mortgage).

From this article you will learn:

What mortgage loan terms can be considered favorable;
Who has the opportunity to get a preferential mortgage;
What parameters should you pay attention to when choosing a profitable one? mortgage loan;
Where (in which bank) is it more profitable to take out a mortgage?
Who can help you get the best mortgage?

At the end of the publication are answers to frequently asked questions about mortgages.

The information presented will be useful to those who are planning to buy a home with a mortgage loan and are selecting best conditions. If you belong to this category, don’t waste time, read our article right now!

This publication is about profitable/cheap mortgages: how to choose one, where it is more profitable to get one, which bank can you apply for at a low interest rate

In our country mortgage has become the only option that allows you to move into your own home today without wasting time and effort on saving money equal to the cost of the apartment. On our website there is a separate article about how to become the owner of your own home on your own.

Mortgages secured by real estate have been popular throughout the world as a method of purchasing a home for many years. In our country, this option of buying an apartment began to develop only 15 years ago.

However, enough is already large number Russian citizens managed to take advantage of the mortgage. Moreover, many have even been able to successfully repay such loans.

1.1. Main features of loans secured by real estate

The main characteristics of a mortgage are:

Target character. That is, funds received for a mortgage can only be spent on real estate purchase. They are issued much less frequently construction.
The property remains pledged to the bank, despite the fact that upon purchase it becomes the property of the borrower. That is, until the mortgage loan is fully repaid, it will be impossible to sell or donate the property without notifying the bank. Often, even to register relatives here, a separate permit is required.
Long term. Most often, the mortgage is issued at a minimum for 5 years. The maximum period may exceed 30 . It all largely depends on the age of the borrower.

There are a number of advantages of a mortgage:

high speed of receiving money and buying an apartment, especially when it comes to registration through professionals, the so-called brokers;
a large number of programs on the market, the choice of which depends on the specific situation;
a profitable investment option.

Choosing between rent And mortgage, it should be understood that apartments almost never fall in price over time. Moreover, rent payments often increase, while mortgage payments often remain unchanged.

It turns out that in the long run, renting is usually more expensive than paying off a loan for your own home.

Naturally, in addition to benefits mortgage loans have flaws. The main ones are the consequences that occur if you are unable to pay off your mortgage loan. In other words, in such situations The credit institution has the right to take back the collateral .

Do not forget that getting a loan is not so easy. To do this, you must meet certain requirements of credit institutions that apply to mortgage borrowers.

The basic requirements for a borrower in most credit institutions are the same:

minimum age 21 year, maximum - approximately 40 -45 ;
high-quality credit reputation;
stable place of work;
sufficient monthly income.

Only if all of them are executed simultaneously necessary conditions the applicant can count on a positive decision on the mortgage.

In a separate article, we also wrote how to do it without refusal and which banks are ready to give a loan in this case.

1.2. What kind of mortgage can be considered profitable?

Everyone knows that with a mortgage you have to live in debt for a long period. The result is significant overpayment. That is why those who want to buy an apartment on credit react very sharply to the phrase favorable mortgage .

The mortgage loan amount is usually quite large. Combined with a solid loan term, as well as various commissions and insurance payments, this gives huge overpayment , which is usually the minimum 2 times exceeds the original loan amount.

The main goal when choosing a lending program in such conditions is to find the most profitable mortgage program possible.

It's important to understand , that the most profitable mortgage is not always the one with the minimum rate. Very rarely does a bank agree to reduce profits. Therefore, most often the losses associated with a reduction in the rate are compensated by the credit institution by charging various commissions.

Many people consider this option beneficial for themselves. On the one hand, there is no need to wait and save. But don't forget what to pay this sum of money will have to anyway.

Moreover, since it will be included in the loan issued, interest will also be charged on it. Ultimately, the overpayment will be much greater than when making a down payment.

Professional financiers agree that favorable mortgage– a relative concept. Its parameters are determined by the personal opinion of the borrower, as well as the financial circumstances prevailing in at the moment.

In fact, if you carefully study the characteristics of mortgage programs, most of the advantages cease to be so. At the same time, those conditions that seem inconvenient, as well as the least profitable, actually turn out to be the most suitable and best in specific conditions.

More often than not, those who benefit the most from a mortgage are those who make sacrifices to gain seemingly minor benefits.

2. Who has the right to get a mortgage on preferential terms?

If we still consider a mortgage from the point of view of benefits, it can be obtained by those who have the right to obtain a loan for preferential terms .

Traditionally, the following categories of benefits are distinguished:

reduced mortgage rate;
no need to make a down payment;
credit holidays - upon the occurrence of certain events (for example, the birth of a child), the borrower is allowed not to repay the loan for 1 -3 years.

The purpose of obtaining mortgage loans on preferential terms is the opportunity to purchase housing low-income citizens.

Preferential loans are provided to the following categories of borrowers:

Young families - both spouses are underage 35 years;
Young professionals;
Persons performing military service;
Young teachers;
Families with more than one child have the right to maternity capital.

By the way, military personnel a mortgage of 2,4 million rubles which they don't pay for. All payments for them are made by the Ministry of Defense.

Thus, preferential mortgage lending programs have a number of benefits . However, there are also flaws, among which are primarily called lack of opportunity to purchase any housing .

Typically, beneficiaries have to choose from apartments from a specific developer, which are being built in promising but unpopular areas. However, it is often possible to buy only real estate with equity participation. Read more about military personnel and other public sector workers in one of our previous articles.

What you need to consider when looking for a profitable mortgage loan - the most important factors, affecting the “profitability” of a mortgage

3. How to choose a profitable mortgage loan - 6 main conditions that you need to pay special attention to

To understand which mortgage is the most profitable, it is important to analyze and compare existing offers on the market.

It should be remembered that mortgage loan agreement requires the borrower maximum attention. You should carefully study all the text, especially the so-called small print.

loan currency;
the amount of the down payment;
interest rate;
availability of insurance and the amount of payments for it;
the amount of commissions;
features of early cancellation.

Condition 1. Loan currency

Banks often try to lure clients into taking out a mortgage in foreign currency, reducing interest rates for similar loans. Specialists Not recommend give in to such temptation.

The term of mortgage loans is very long, during which time the national currency may depreciate so much that the amount of winnings on bets will be insignificant . Moreover, in our country the exchange rate of foreign currencies often changes unpredictably. The result is Difficulty paying off your mortgage.

However, in some situations it is still more profitable to take out a mortgage in foreign currency. This is typical for those cases when the main income is calculated in this monetary unit.

Condition 2. Down payment amount

Most often, a mortgage is issued with down payment. This indicator reflects information about how much the borrower must pay as soon as the contract is signed.

Traditionally, the down payment amount is calculated in the range from 10 to 30% from the total cost of the apartment.

In monetary terms, the amount is quite large. For some, accumulating it can be difficult. However, in essence, it demonstrates to the credit institution that the borrower’s intentions are the most serious. Anyone who managed to raise money for a down payment will certainly be able to pay off the amount of mortgage debt in the future.

Some borrowers waste time searching for loan programs with minimal or no down payment. At the same time, they forget that such loans are often issued with less favorable other conditions.

Moreover, this amount will have to be paid in any case. Only taking into account the accrued interest it will be much higher.

Condition 3. Interest rate

Despite the fact that experts do not recommend putting the interest rate at the forefront, most borrowers pay attention to it first. However, this parameter is not always the most significant.

Most credit institutions are excellent at playing on the psychology of the borrower. To attract his attention, banks set minimum bid . At the same time, it is quite natural that not a single credit institution will worry about the savings of clients more than its own benefit.

Therefore, you should not be bribed by the promise of a low interest rate. It is quite possible that with further study of all the parameters of the mortgage program it will become clear that this is just a trick to attract more clients.

Moreover, it would be useful to know that at the moment in Russia the average mortgage rate is 12-15 percent per annum. If you promise a lower percentage, you should study other conditions even more carefully.

Condition 4. Availability of insurance and the amount of payments for it

Some borrowers forget about availability insurance when taking out mortgage loans. Meanwhile, this parameter has significant influence on the amount of future overpayment.

It is legally established that insurance is mandatory loan payments . The borrower has the right to refuse all other types of insurance programs.

Pay attention! Often, it is the client’s consent to voluntary insurance that affects the size of the mortgage rate.

It is important for credit institutions that the risk of issuing a loan is as low as possible. To protect themselves, they all possible ways try to convince clients to insure not only payments, but also health, performance, as well as himself real estate object.

In these circumstances, the borrower should carefully consider the benefit of agreeing to certain insurances.

Condition 5. Amount of other commissions

Often, borrowers do not pay due attention to the presence of fees when applying for a mortgage. Meanwhile, there are various types additional payments, which affect the interest rate, as well as overpayments on the mortgage.

Often the first fee a borrower faces is payment for registration and issuance of a mortgage . Some banks have several lending programs that differ in the size of this payment (usually from 1 to 4% from the loan amount). At the same time the higher the commission, the lower the interest rate .

Not everyone can immediately understand which option is more profitable. To determine this, you will have to compare commission size With overpayment for the entire loan term. Only after this can you make the right choice.

The commission for issuing a mortgage is far from the only one. For each loan program, you should find out whether additional payments and carefully analyze their impact on payments.

Thus, borrowers often forget about the existence account maintenance fees . Meanwhile, they are charged monthly. As a result, the benefit from lower interest rates is often insignificant or non-existent.

To avoid that there are unexpected overpayments on your mortgage, you should carefully study all the terms of the agreement. TO its signing.

Often, information about additional payments is indicated in the middle of an impressive volume of agreements. As a result, it can be difficult to notice.

It is also important to carefully consider how often you will have to pay a particular payment - once a year or monthly.

Condition 6. Features of early repayment

An equally important mortgage parameter is possibility to repay it early . Many borrowers make every effort to relieve themselves of the burden of payments as quickly as possible. However, for banks it is Not is beneficial, because they are deprived of making a profit from the issued loan in the future.

This state of affairs leads to the fact that some credit institutions are trying to limit the ability to repay a mortgage early. They appoint commissions for such actions, and also do not allow them for a certain period of time.

However, most banks offer clients the opportunity to pay off their mortgage early. There are 2 options:

Pay off the remaining amount of the debt;
Contribute only part.

Both of these methods allow you to gradually reduce the amount of overpayment on your mortgage. That's why the opportunity early repayment can be regarded as a sign of a profitable mortgage loan.

Thus, there are a number of parameters that have a significant impact on the profitability of mortgage programs. They should be analyzed comprehensively . This is the only way to determine which option is preferable.

4. The nuances of a profitable mortgage + the opinion of professionals about whether it is profitable to take out a mortgage now

If we talk about whether it is profitable to take out a mortgage now, when the economic situation in Russia and in the world is extremely unstable, then under these conditions financiers do not at all discourage people from drawing up mortgage agreements. But they emphasize to citizens that the lending program should be chosen as carefully as possible. . In principle, this rule is relevant in any time period.

A huge number of Russians have fallen into a trap. They were seduced by tempting rates and took out a loan to purchase a home in foreign currency.

At the same time, the difference in the annual rate is not so big - about 2 -3 % . It would seem that, in terms of large size loan in rubles, the overpayment will be significant. But no one is immune from exchange rate fluctuations with foreign currency mortgages.

So, in 2016 year in Russia the value of foreign currencies increased by approximately 2 times. As a result, those who took out a mortgage in rubles continue to make a fixed monthly payment. At the same time, for those who took out a loan in foreign currency, it increased in proportion to the exchange rate, that is, by 2 times.

Similar situations were repeated more than once. The result is an extremely difficult situation for the borrower, when it becomes impossible to pay the mortgage.

Experts also name others that banks use to lure clients. They look very attractive, but in practice they do not bring real benefits to borrowers. Below we describe the most common of them.

1) Floating interest rate

Bank employees often try to convince their clients that floating interest rate on a mortgage loan is an incredibly advantageous option for the borrower, since it guarantees a change in the size of payments depending on the market situation. In practice, all risks from changes in the economic situation fall on the shoulders of borrowers.

Pay attention! Some experts compare the degree of risk of a mortgage with a floating rate with one that is issued in foreign currency.

In addition, analysts argue that no improvement in the economic indicators to which the rate is tied is expected in the near future.

In addition, experts predict a further increase in the inflation rate. For borrowers this will turn out to be height floating rate. It should be borne in mind that such an increase is not limited by absolutely anything, so as a result, for the debtor this may result in a situation where it will be impossible to pay the loan.

There is an opinion that a floating interest rate is beneficial when taking out a mortgage for a short period. That is, if you pay the loan within 5 years, this does not threaten trouble. Moreover, you will be able to save on the amount of overpayment.

But history says otherwise. Many borrowers who 2006 year, we took out a mortgage with a variable rate and intended to pay it off as quickly as possible. However, in 2008 the year has come economic crisis which led to significant rising rates for such loans. As a result, hopes were not justified, and the payment increased significantly.

2) Reduced mortgage interest rates in the future

IN lately programs have appeared in the mortgage lending market that promise borrowers for a certain commission interest rate reduction in the future.

In practice, you have to pay huge sums for this opportunity. Typically the commission is 2 -7 % of the total amount received for the mortgage.

Banks provide calculations that convince clients that the savings from such rate cuts will be significant.

In practice, most borrowers strive to pay off their mortgage as quickly as possible. In this case, saving makes no sense. Therefore, professionals do not recommend overpaying extra money for such conditions.

3) Mortgage refinancing

Currently, more and more credit institutions are offering mortgages with combined rate. In this case, the loan is initially issued at a reduced rate, and after a certain period it will be carried out.

On the one hand, for the borrower there is a certain benefit of refinancing, which consists in getting more profitable conditions. As a result, when applying for a mortgage, the client hopes that at the first stage he will benefit from a low rate, and subsequently refinance the loan at average market interest rates.

In practice, banks, if their benefits decrease, are reluctant to provide refinancing. As a result, in most cases, borrowers are not given the opportunity to exercise this right.

More often than not, borrowers are not given better mortgage terms, they simply receive floating rate loan.

It should be taken into account that at first only interest is always paid on a mortgage, while the amount of the principal remains practically untouched. As a result, the level of overpayment is practically no different from a traditional loan, and the promise of savings remains nothing more than a publicity stunt.

Thus, when applying for a mortgage, the borrower must thoroughly select its conditions. Today, the market offers a huge number of different programs, most of which lure customers with a non-existent opportunity to save money.

You should not take such promises at their word. It is better to study the opinions of professionals regarding certain proposals.

5. Which bank has the most profitable mortgage - review of the TOP 5 banks where it is more profitable to get a mortgage

Today, a mortgage can be obtained from almost any bank. At the same time, you can find many interesting and quite profitable programs on the lending market.

It can be difficult to choose the best one on your own. Therefore, it is best to use ratings compiled by experts.

The table shows banks with the most favorable lending conditions:

№	Credit organization	Name of the loan program	Maximum loan amount	Maximum term	Bid
1.	*Moscow Credit Bank*	Mortgage with state support	8 million rubles	20 years	7-12%
2.	*Primsotsbank*	Set your bet	20 million rubles	27 years old	10%
3.	*Sberbank*	Purchasing ready-made housing for young families	8 million rubles	30 years old	11%
4.	*VTB 24*	More meters – lower rate (purchase of large apartments)	60 million rubles	30 years old	11,5%
5.	*Rosselkhozbank*	For reliable clients	20 million rubles	30 years old	12,5%

It should be kept in mind that you can count on the minimum rate when applying for a mortgage with government support.

6. Who to turn to for help in obtaining profitable mortgage loans - mortgage brokers will help

Not everyone can understand all the features of mortgage programs. Many people spend a huge amount of time on such an analysis.

However, there is no guarantee that after spending days and weeks searching for the most favorable conditions, you will be able to obtain the most suitable option with a minimum overpayment.

To prevent paying off your mortgage from becoming torture, you should seek help professionals.

Analysis of existing offers on the market, as well as selection ideal program deal with specific conditions mortgage brokers .

Popular Moscow mortgage brokers are: “Credit Laboratory”, “ABC of Housing”, “Credit Decision Service”, “Flash Credit”

In megacities, similar functions are performed by entire specialized organizations. But even in small towns you can find a mortgage broker. Most often they work in popular real estate agencies.

7. Frequently asked questions (FAQ)

The topic of mortgage lending is vast and multifaceted, so often those who are looking for the best program, a huge number of questions arise.

It is not always possible to spend time searching for answers on the Internet. To make life easier for our readers, we provide answers to the most common questions.

Question 1. How profitable is it to take out a mortgage for a home?

To obtain a mortgage loan as profitably as possible, you will first need to conduct a thorough analysis of the programs offered in the city of residence of the future borrower. We have already talked in more detail about whether to buy an apartment, a house or a plot of land in the previous article.

In this case, you should pay attention to a number of indicators, the main ones being:

loan amount;
the period for which it is planned to issue a mortgage;
interest rate.

Don't forget about the various commissions, and also insurance.

When looking for a profitable mortgage, you should first pay attention to programs in banks where the future borrower is already client . This may be a credit institution, on whose card the applicant receives wages, or where another loan was issued and successfully repaid.

Credit institutions usually treat these categories of clients more loyally. Besides, it is in these cases that you can count on more favorable conditions, for example, interest rate reduction.

Those who have a significant amount for down payment. If the borrower has 50 % the cost of the apartment, the bank will offer him minimum bet.

Conversely, if there is no or insignificant down payment, the loan rate will be maximum . This rule allows credit institutions to insure the risks of non-repayment of funds, as well as the onset of a collapse in the economy.

Another indicator that has a significant impact on the profitability of a mortgage is loan term . On the one hand, obtaining a mortgage loan for maximum the term leads to the fact that the monthly payment will be small. As a result, it will be much easier for the borrower to fulfill obligations.

It is important to consider that the longer the loan term, the higher the overpayment. When applying for a loan for a period of more than 10 years, it may exceed the original loan amount. It turns out that the cost of the apartment will increase significantly.

At the same time, obtaining a mortgage for minimum the term will result in a significantly higher monthly payment. Therefore, the borrower should find the optimal balance between for a period And size payment. Ideally, your monthly mortgage payment should not exceed 40 % of total family income.

Those who do not have time to independently analyze mortgage programs can be advised to use Internet services , which online help you choose the most advantageous offer. Moreover, on many sites it is possible to immediately submit application to the offer you are interested in.

In addition, it is possible to seek help from specialized agency . Here they will not only help you analyze existing mortgage programs on the market, but also choose the most profitable one for a particular borrower.

Experts analyze the financial situation for each case and talk openly about the pitfalls of each program. However, it is worth keeping in mind that such services are not cheap. Depending on the region of residence of the borrower, you will have to pay 10 000 - 50 000 rubles

Question 2. What is more profitable to get - a mortgage or a consumer loan when buying an apartment?

Today, many people want to buy an apartment in an accessible way. In most cases, the ideal option may be to design mortgage loan . Today, many banks offer such programs. By the way, we talked about the process of buying a home in the last issue.

However, some citizens are of the opinion that it is much more profitable to buy real estate by registering non-targeted loans . They believe that in many respects consumer loans are more profitable to issue than mortgage loans.

A huge number of people dream of purchasing an apartment. Firstly, this is practically the only way to get rid of the need to rent an apartment. Secondly, real estate almost never depreciates. Even in cases where there is a decline in apartment prices, the cost subsequently returns to its previous level.

Despite the fact that the demand for apartments is stable high level, not everyone wants to get involved with mortgage lending for some reasons:

protracted decision making by the bank;
many consider a mortgage to be bondage for life;
difficulties with paperwork.

More and more borrowers prefer to obtain a consumer loan over a mortgage, which they spend on buying an apartment. Despite the fact that the interest rate in this case is higher, they consider non-targeted loans more profitable, explaining this with the following advantages :

To obtain a non-targeted loan, the required package of documents is much smaller. Usually it is enough to present a passport and a second document, a copy work book, salary certificate. In some cases, collateral will be required.
When applying for a consumer loan, several days pass from the moment you submit your application until you receive the money. At the same time, obtaining a mortgage is a much longer process. It often drags on for several months.
With a non-targeted loan, no encumbrance is placed on the property. If an apartment is purchased by obtaining a mortgage, it is registered as collateral.
When receiving a consumer loan, additional payments and commissions may be significantly lower than when applying for a mortgage. Often, when taking out a mortgage loan, you also have to pay premiums for home and life insurance of the borrower.

Once upon a time, it was impossible to get a large amount of money on a consumer loan. Today, the maximum loan size is constantly increasing. This is what allows you to replace a mortgage loan with a non-targeted loan, which will be spent on buying an apartment.

Despite the significant number of advantages, we can also highlight a number of disadvantages of such a scheme :

A mortgage can be issued for a longer period - most programs allow you to repay the loan within ten years, the maximum period reaches fifty;
The amount of a consumer loan is much lower, so you will have to save more for the down payment;
For non-targeted loans, interest rates are traditionally higher;
Due to the short term, the monthly payment on a consumer loan is much higher.

Thus, it is impossible to say unequivocally what is better – a mortgage or a non-targeted loan. Specific conditions should be examined.

On the one side mortgage loan intended specifically for buying an apartment. Therefore, it is suitable for those who do not have the opportunity to quickly accumulate a significant amount.

On the other side for those who do not have enough money for an apartment, it is better to apply consumer loan. Despite the higher interest rates, it has a number of advantages - the apartment will not be collateral, and you will not have to pay for the services of appraisers and insurers. We have already talked in detail about where and how at a minimum percentage in our article.

Question 3. Where is the cheapest mortgage in the world?

The lowest interest rate on mortgage loans was set in 2016 year in Czech Republic . On average for the country's banks this figure was 1,89 % .

Thus, the country broke its own record set a year earlier. Then the bet was 1,94% . Under the terms of a Czech mortgage, the interest rate is fixed and does not change during the term of the contract.

It is quite natural that the inhabitants of this European country actively use this opportunity to improve their living conditions.

In May of last year alone, eleven thousand mortgage agreements were concluded there for an amount equivalent to 55 billion rubles . The average size of each loan corresponds to five millions of rubles. Favorable mortgage conditions lead to an increase in demand for real estate, so its value is constantly growing.

Other states also offer favorable terms for mortgage loans to citizens and visitors. IN Switzerland the rate for such offers is at the level 2% .

In some countries, for example England, Finland, Germany And Austria this figure is 3,5% . The percentage is slightly higher where you can buy real estate on sea coast– on Cyprus, V Italy, Greece, Spain.

8. Conclusion + video on the topic

Thus, the question of choosing the most profitable mortgage program is complex And multifaceted. You should not be bribed by low interest rates and assume that this parameter determines the most favorable conditions.

When making a choice, it is important conduct an analysis of all mortgage programs, comparing not only the interest rate, but also other conditions. Don't forget about those that are not so obvious.

For those who do not have enough time to collect information about all current programs, you can use free Internet services , which help compare offers from different banks.

If you also require professional advice on which program would be ideal for a particular borrower, you can contact mortgage broker .

We hope that our article will be useful to you! We wish our readers to obtain the most profitable mortgage loan.

Dear readers of the magazine “RichPro.ru”, we will be glad if you share your comments on the topic of publication below. See you again!

In an unstable economic situation, not everyone can buy their own home. In this case, some of us resort to not entirely successful options - renting an apartment today is very expensive. And as a result, such a solution will only temporarily correct the situation. If you are able to pay for rented property, it makes sense to consider taking out a loan to purchase housing in Moscow. Nowadays, many banks offer quite favorable loan terms for real estate.

Standard lending programs

You have decided to get a mortgage loan for real estate: evaluate own strength, first of all. Despite the fact that existing programs offer very favorable conditions, you need to pay every month. In addition, it is necessary to plan for additional expenses at the initial stage - a standard transaction involves notarization, insurance, and commission. All this will need to be paid on the day of the transaction. In the future, expenses will only include the monthly fee. Interest rates on mortgages in Moscow banks can be different, in fact, their value determines total cost mortgages. Therefore, before making a decision in favor of one bank or another, you should carefully study existing offers. In general, there are several important aspects that need to be emphasized:

bank mortgage rates;
reputation of the financial and credit institution;
contribution amount;
mortgage interest;
schedule;
mortgage term.

Each bank, guided by organizational policies and internal regulatory documents, offers lending under certain conditions. The same applies to the requirements for borrowers - age criteria, actual income, length of service, etc. The down payment can vary from 10 to 30%, taking into account the conditions of the selected program. As for the urgency of repayment, loans are mainly given on a long-term basis - from 5 to 30 years. Naturally, it is profitable to pay the entire amount within 5 years; you can save on interest payments, but often not everyone has this opportunity. Therefore, after the transaction is concluded, most pay off the loan, taking into account the maximum possible term.

Secondary market or new construction?

This factor is also no less important. As a rule, large developers often enter into partnerships with banks and sell apartments on more attractive terms compared to standard programs. In addition, in this case you will be able to independently choose the layout, floor, etc. Purchasing ready-made housing for secondary use also has its advantages - you can move into the apartment immediately after registration, and this is an important plus. Think through all these nuances in advance; purchasing real estate is a serious matter that needs to be carefully considered.

How to get a loan to buy real estate

After the initial analysis, which is carried out on the basis of the submitted documents, you will already know whether it is worth pursuing this further. The main factors that will determine the possibility of purchasing housing on credit are:

total family income;
credit history;
general experience;
age, etc.

In some cases, a criminal record may be taken into account. But for most banks this is not a significant factor.

Where is it more profitable to get a mortgage in Moscow?

In practice, the most profitable home mortgage provides low interest rates, reasonable insurance rates, and no additional fees. And it’s quite possible to find such a program. To get a profitable home loan, you need to pay attention to studying existing offers. But they can have significant differences, and it is necessary to familiarize yourself with them before purchasing real estate. To reduce your time going to banks, we have compiled a complete database of existing programs from different lenders. Using our service, you can find the best rates that will allow you to buy your dream home today.

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Which bank is better to get a mortgage from? In 2018, this issue became relevant again, as Russian economy is gradually emerging from the crisis, household incomes are increasing, and the real estate market is reviving.

Since 2015, the Russian government has been pursuing a policy of creating favorable mortgage conditions. To begin with, the Central Bank lowered the base rate, which resulted in a reduction in overpayments on mortgage loans.

Another measure is the creation of special government programs, thanks to which you can take out a housing loan on favorable terms.

You just need to find out which bank is better to take out a mortgage from, familiarize yourself with the banks’ requirements and terms and conditions.

Which bank is better to take out a home loan? What should you pay attention to?

When wondering which bank is better to get a mortgage from, you need to pay attention not only to the bank’s reputation, but also to the lending parameters.

These include:

1. Interest rate;
2. Amount of down payment;
3. Deadline;
4. Payment type.

The average overpayment on a housing loan varies from 9.5 to 15%. It is logical that a rate of 9.5% looks more attractive. And it seems clear which bank is better to take out a loan from.

However, in practice, costs for servicing the loan or for its registration, as well as insurance payments, are added to it.

To find out the final amount of the overpayment, you need to take into account all expenses. Ideally, the mortgage rate should be in the range of 11-13% per annum.

A down payment is a mandatory condition for obtaining a mortgage in many banks. Its minimum size is 20%.

Under a special program from Sberbank, conditions are better for families with children - the down payment amount is 10%.

It seems that it is already clear which bank is better to take out a loan from. But often the amount of the down payment affects the size of the rate. How more money was deposited into the account, the lower the rate will be.

When considering which bank is best to apply for a loan to purchase real estate, consider all of the above parameters.

A mortgage is a loan that is issued for a long period of 30-50 years. At the same time, experts say that it is better to take out a mortgage for 10-12 years. This will reduce the amount of overpayment.

In Russia, the common practice of paying off mortgages in equal payments is the annuity scheme. It is beneficial to both the bank and the borrower.

Which bank is better to take out a housing loan? TOP 5

1. Sberbank;
2. "VTB 24";
3. Tinkoff;
4. "Binbank";
5. Rosselkhozbank.

Sberbank

According to statistics, when asked which bank is better to take out a mortgage, every third Russian firmly says - Sberbank.

The country's largest bank is indeed considered a leader in issuing housing loans. At the end of March 2017, the total volume of loans issued for the purchase of apartments and houses amounted to 167,000,000 rubles.

It’s not for nothing that when people answer the question of which bank is better to take out a loan, they name Sberbank. It offers a variety of programs. The line includes 6 programs. Two of them can be taken by special clients: young families and military personnel.

General mortgage terms from Sberbank:

Amount – 60-80% of the cost of housing;
Term – 30 years (20 years for NIS participants);
Rate – 9.5% (minimum).

Mortgages for the purchase of finished housing are in demand among citizens. This loan can be taken out at a base rate of 10.5%. A rate of 9.5% is valid as part of the promotion for young families.

If the client does not receive a salary from Sberbank, 0.5% is added to the base rate. If you refuse voluntary life insurance, the amount of overpayment increases by another 1%.

The minimum loan amount under the program is 300,000 rubles, and the maximum is 80% of the cost of housing. You can take out a mortgage for 1-30 years. The down payment is 20%.

"VTB 24"

VTB 24 Bank also offers Russians 6 mortgage lending programs. Here you can take out a loan for a new home, a secondary one, or refinance an existing home loan.

Among the 6 existing programs, experts highlight mortgages for the purchase of primary real estate.

The conditions for it are as follows:

Rate – from 10.7%;
Size – 60,000,000 rubles;
Term – 30 years.

Unlike Sberbank, at VTB 24 the down payment is only 10%. To take out a loan, just leave an online application on the website.

It will be reviewed within 4-5 days. If the decision on it is positive, all you have to do is visit the bank branch to present documents and sign the agreement.

"Tinkoff"

To the question of which bank is better to take out a mortgage online, you can answer – “Tinkoff”. He became famous for working with clients remotely.

The bank issues dozens of credit cards every day. Moreover, his portfolio includes 4 mortgage programs at once.

Namely:

For the purchase of primary real estate;
For the purchase of secondary housing;
To purchase a house or townhouse;
To purchase a room or share on the secondary market.

General conditions assume an amount of 99,000,000 rubles, a loan term of 30 years, a rate of 8.75% and a down payment of 10%. Statistics show that the majority of Russians turn to Tinkoff for a loan to purchase primary real estate. They believe that this bank has better conditions.

This is due to a minimum down payment of 15% and a rate of 8.75%.

"Binbank"

Binbank, a large Russian bank, also offers several types of mortgages. Here you can take out a loan to buy a new or secondary home, a house or a room.

This is the bank in which citizens most often apply for a loan for housing under construction.

It can be taken under the following conditions:

Duration – 3-30 years;

Down payment – 20% (if maternity capital is used when applying for a mortgage, the amount of the down payment is reduced to 10%);

Amount – 20,000,000 for Moscow and St. Petersburg and 10,000,000 for other regions;

Rate – 9.5%.

If the down payment is 50%, the rate is 9.5%, for 30-49% - 9.75%, for 20-29% - 10%. When confirming income using a certificate in the form of a financial institution, the rate increases by 0.5 percentage points. and by 0.7 p.p. when canceling life insurance.

If you have already decided which bank is better to take out a mortgage, then submit an application at the bank’s office. This increases the chances of her approval.

Rosselkhozbank

Rosselkhozbank offers general program mortgage lending. The funds borrowed can be used to purchase secondary and primary housing, land plot or at home.

A mortgage can be taken out in the amount of 20,000,000 rubles for a period of up to 30 years. The size of the down payment varies from 15 to 30%.

The rate is determined individually. It depends on the purpose of the loan and the client’s status. The minimum rate is 9.5%, and the maximum is 12%.

When applying for a mortgage at Rosselkhozbank, real estate insurance is mandatory. Client life insurance is taken out voluntarily. If necessary, insurance costs are covered from the loan.

Based on the conditions listed above, you can determine which bank is better to take out a housing loan.

Which is better: mortgage or installment plan?

It is impossible to unequivocally answer which is better. For some citizens, it is more profitable to take out a long-term loan and gradually pay off the debt on it. Others consider the installment option as the most economical.

Mortgages are best suited for those who have a down payment and confidence in a stable income. The installment plan is intended for citizens who will be able to fully repay the cost of housing in 1-2 years.

Installment plans are offered by developers of residential complexes. They use a similar payment format in order to sell out apartments faster.

When buying a home in installments, you do not need to trust the words of the developer. The transaction should be registered by a notary, specifying all rights and obligations. This will eliminate misunderstandings in the future.

If you are looking for which bank is best to take out a home loan from, you should not rely only on the rate. You should pay attention to commissions and allowances. Then you can objectively say which bank is better for lending.

Having found out which bank is better to take out a mortgage from, once again analyze all the pros and cons of the loan, assess your financial capabilities, and only then apply.

If you want to take out a mortgage in Moscow, contact our Etazhi company. Call or write - we will offer favorable conditions for obtaining a mortgage loan, tell you about ways to save on the transaction, and help you collect documents.

What properties can you get a mortgage loan for?

On the primary market- for apartments, cottages, townhouses, houses. The bank will evaluate the reputation of the developer, the readiness of the property for operation, and the characteristics of the housing. He will pay attention to the price proposed by the developer and evaluate the property himself.

Mortgages for apartments from accredited developers are usually issued at a lower interest rate compared to loans for properties on the secondary market.

On the secondary market- for private houses, apartments, townhouses, cottages, dachas. The bank will evaluate general condition housing, its location, market value. Pay attention to the year of construction, form of ownership, and study the documents provided by the seller.

Why is it worth getting a mortgage in Moscow through us?

We provide a choice - mortgage offers are presented in the catalogue, you can choose the most profitable program
We reduce overpayments - partner banks provide us with discounts on interest rates, we provide them to our clients
We increase the chance of approval - we know what the bank commission pays attention to, we help you prepare the documents correctly
We help you choose the most advantageous offer - we calculate the amount of the monthly payment and savings with “Floors”
We advise - we tell you which residential mortgage for an apartment is most profitable, we answer other questions
We use government subsidies available to you as a down payment - for example, maternity capital

If you need an apartment with a mortgage, call an expert yourself or request a call back online. For an instant consultation, write to the online chat - we will respond within a minute during business hours.