Mortgage pensioners in Rosselkhozbank Calculator. Mortgage for pensioners in Rosselkhozbank. In the framework of which special programs are possible profitable mortgage pensioners
Mortgage calculator Rosselkhozbank allows you to calculate the amount of mortgages for individuals according to 2019 data. If you want to choose the most profitable proposition Mortgages, buy an apartment in a new building or another residential real estate With minimal overpayment, be sure to use the calculator.
Rosselkhozbank is a well-developed bank that occupies a leading position in financial Sector RF. Key areas of activity - customer credit, maintenance of corporate accounts, mortgage lending, attracting deposits of individuals. Low percentages on a mortgage loan make this bank popular among borrowers who want to purchase their own housing.
Today, Rosselkhozbank offers 5 mortgage lending programs.
Acquisition mortgage real estate - this is a very serious step for each family, because you need to take commitments to monthly payment Debt. From how correctly you calculate the mortgage and how to choose a mortgage program (under what percentages, how many years) will depend on the size of these payments.
Our online mortgage calculator Rosselkhozbank will help determine:
- Maximum size mortgage loan
- The size of monthly payments
- The amount of accrued interest on the mortgage for each month
- The size of the overall overpayment in cash equivalent
- Total overpayment size in percent
- Total amount of mortgage payouts for the entire period
- Possibility of early repayment
Using this information, you can get a complete picture of the selected mortgage program, evaluate your capabilities in repayment of the loan and pay debt deductions, decide on the feasibility of making a mortgage.
Potential borrowers (including budget workers and military personnel) Rosselkhozbank provides the following possibilities for obtaining mortgage loan:
- With an initial contribution
- With guarantor
- With income confirmation
- No down payment (contribution 0%)
- Without guarantors
- No certificates of income from work
- Personal conditions (young professionals or young families)
When issuing a loan, the Bank may offer two debt payment options: through annuity payments or differentiated payments. The Mortgage Calculator Rosselkhozbank is counting precisely by annuity payments, since they are in the greatest demand among the population.
Calculator is a truly convenient and modern way to calculate all mortgage parameters online. For accurate calculation, finally decide with the type of real estate.
Mortgage loan in Rosselkhozbank can be obtained:
- To the land plot under individual building
- For secondary accommodation
- On new building
- On the construction of a private house
Already in the department of the bank, be sure to ask bank employeewhether it is possible to make a mortgage with early repayment in Rosselkhozbank, with state support or maternal capital. We also recall if the borrower is open salary card In the bank, it will significantly improve the credit conditions.
Interest rates on the mortgage in Rosselkhozbank in 2019: see the updated conditions for obtaining a housing loan for secondary housing and new buildings. The features of the design of housing loans without the initial contribution and two documents, a young family and pensioners are also presented. Calculator will help calculate the payment.
Mortgage in Rosselkhozbank today is favorable way Shopping housing on a loan secured by the acquired real estate. An important advantage of making mortgage in Rosselkhozbank is that the client can choose a loan repayment scheme: annuity (equal payments) or differentiated. In addition, special lending conditions are envisaged for young families and when using maternal (family) capital.
With the help of a mortgage loan of Rosselkhozbank, you can buy:
- apartment and apartments on the primary and secondary markets;
- residential building with land plot (including townhouse);
- land.
To take the mortgage of Rosselkhozbank, even citizens leading personal subsidiary farm (LPH) can. To confirm income, it is enough to provide entries in the bodies of the authority local governments On the maintenance of LPH for at least 12 months before the date of submission of the application for a loan.
The interest rate on the Rosselkhozbank mortgage is not the highest among banks Top - 10 and the conditions for its production are quite gentle.
In this review, the site reported the features of various mortgage programs operating today in the RSKB. The Bank's requirements for borrowers and documents required to obtain a loan are also indicated.
Mortgage in Rosselkhozbank: rates and conditions in 2019
Rosselkhozbank recently raised mortgage rates. But the percentage still remains quite profitable. Besides for employees budget organizationsas well as "reliable" and salary customers Bank There are discounts. Consider the interest rates and conditions of various mortgage programs of Rosselkhozbank in 2019 to choose the most appropriate.
Program "Mortgage housing lending"
With the help of this mortgage loan, Rosselkhozbank can buy an apartment or apartments on the primary and secondary markets, a residential building with a land plot (including townhouse) or one land plot under housing. The Bank receives the purchased property.
Conditions
\u003e Currency: Rubles of the Russian Federation;
> Maximum amount: 60 million rubles;
\u003e Term: up to 30 years;
\u003e Down payment:
- at least 30% when purchasing apartments under the sale and purchase agreement or participation in equity construction;
- at least 25% when buying a residential building with a land plot under the sale contract;
- at least 20% when purchasing an apartment (townhouse with a land plot), a residential building with a land plot under an agreement in equity construction;
- at least 15% when buying an apartment, Townhouse with a land plot, land plot under the sale contract.
\u003e Provision: Pledge of acquired (built) due to credit funds Rosselkhozbank real estate object.
Interest rates
1. Acquisition of the property under the Treaty of Participation in Share Construction of Key Partners of Rosselkhozbank
2. Acquisition of the property under the contract of sale and key partners of Rosselkhozbank
3. Acquisition of an apartment (including townhouse with a land plot) or apartments on secondary market
| Salary and "Reliable" customers | State employees | Other physical Persons |
|
up to 3 million rubles |
||
| 10,00 — 11,65% | 10,05 — 11,70% | 10,10 — 11,75% |
|
up to 3 million rubles for young families |
||
| 9,95 — 11,60% | 10,00 — 11,65% | 10,05 — 11,70% |
|
from 3 million rubles |
||
| 9,90 — 11,55% | 9,95 — 11,60% | 10,00 — 11,65% |
|
from 3 million rubles for young families |
||
| 9,85 — 11,50% | 9,90 — 11,55% | 9,95 — 11,60% |
4. Payment of the price of the Treaty of Participation in Share Construction (including under the contract of assignment of the right of claim)
5. Acquisition of a residential building with a land plot / land:
Dumping
Calculate monthly payment on mortgage
Not satisfied? See which mortgage rates today offers
Program "Target Mortgage"
This housing loan It is issued for the purchase of an apartment in the secondary and primary markets, ready or built residential house (townhouse) with land, as well as one site for construction.
To participate in this program it is necessary to have any real estate. It is her bank and takes a deposit. But paying the initial contribution is not required. This program can be considered mortgage Rosselkhozbank without a down payment.
Conditions
\u003e Currency: Rubles of the Russian Federation;
\u003e The minimum amount: 100,000 rubles;
\u003e Maximum amount: 20 million rubles, but not more than 70% of market value object of real estate transferred to the deposit;
\u003e Term: up to 30 years;
\u003e The initial contribution: missing;
\u003e Provision: Pledge (mortgage) Apartments or house available borrower, coacher, guarantor or third party.
Interest rates
1. Acquisition of an apartment or townhouse with a land plot
2. Acquisition of a residential building with a land plot
Dumping:
1.00% in case of refusal to make insurance of life and health throughout the term of the loan agreement.
Does not fit? See which mortgage rates today offers
Program "Mortgage on two documents"
This mortgage loan can be issued to buy an apartment or a house with a land plot, presenting only 2 documents: passport of the Russian Federation, as well as a driver's license or passport. Confirmation of income and employment in this case not required.
This program can be called " mortgage Rosselkhozbank without references and guarantors" But here interest rate It will be slightly higher than with the full package of documents.
Conditions
\u003e Currency: Rubles of the Russian Federation
\u003e Minimum amount: 100 000 rubles
\u003e Maximum amount:
- up to 8 million for Moscow, Moscow region, St. Petersburg, Leningrad region;
- up to 4 million rubles for other regions of Russia.
\u003e The maximum amount should not exceed:
- 60% of the cost of housing in apartment house in the secondary market / housing on the primary market, the construction of which is funded by Rosselkhozbank;
- 50% of the cost of a residential building with a land plot (including townhouse).
\u003e Term: up to 25 years
\u003e Down payment:
- - at least 40% of the cost of housing in an apartment building in the secondary market / housing in the primary market, the construction of which is funded by Rosselkhozbank;
- - at least 50% of the cost of a residential building with a land plot, (including townhouse).
\u003e Provision: The key to the acquired (built) due to the credit funds of Rosselkhozbank of the property of real estate
Interest rates
1. Purchase of a secondary apartment (including townhouse), as well as a real estate object on the primary market, the construction of which Rosselkhozbank JSC is funded, or in developers who are members of the PJSC Group of Companies "Group of Companies":
2. For a mortgage to purchase a residential building with a land plot:
Dumping:
1.00% in case of refusal to make insurance of life and health throughout the term of the loan agreement.
See also mortgage lending conditions in
Program "Military Mortgage"
Mortgage housing lending program of individuals - NIS participants (cumulative and mortgage system housing servicemen).
Conditions
\u003e Citizenship: Russian Federation;
\u003e Age at the time of granting a loan: at least 22 years;
\u003e Age at the time of credit refund: up to 45 years;
\u003e Participation in NIS: at least 36 months.
\u003e Currency: Rubles of the Russian Federation
\u003e Maximum amount: 2 485 825 rub.
\u003e The size of the initial contribution: from 10%;
\u003e Term: from 3 to 24 years.
\u003e Provision: Pledge (mortgage) of the acquired property of real estate
Interest rate
from 9.5% per annum.
Not profitable? See which conditions on the mortgage today offers
"Young family and maternity capital"
For young families and when using Mother's capital, mortgage in Rosselkhozbank is issued on special lending conditions.
A young family is considered a family in which age at least one of the spouses does not exceed 35 years, as well as an incomplete family, consisting of one parent and child / children if the age of the parent does not exceed 35 years.
The size of the initial contribution for the young family is:
- - at least 10% of the cost of the finished object of real estate;
- - at least 20% when purchasing an apartment on the primary market (new building).
In addition, young families have the opportunity to take advantage of the payment of the principal debt at the birth of a child. The delay is valid, starting from the date of birth of a child until they reach the age of 3 years.
Mortgage " With state support for families with children»
Today in Rosselkhozbank, you can make a preferential mortgage loan for the purchase of housing on the primary market for families in which from January 1, 2018 to December 31, 2022 the second or third child is born.
Conditions
- Maximum amount: 8 million rubles for Moscow and Moscow region, St. Petersburg and the Leningrad region / 3 million rubles for other regions of the Russian Federation.
- Maximum period: 30 years.
Interest rate
Interest on mortgage with state support for families with 2-3 children cannot be fixed for the entire loan period, as for other credit programs.
The preferential rate of 6% is valid only for 3 years at the birth of the 2nd child and 5 years at birth of the 2nd. After graduation preferential period Interest rate is set in size key bet Central Bank of the Russian Federation at the date of issuance of a loan increased by 1.8 percentage points.
Registration of the application for mortgage under the program state support In Rosselkhozbank, it is made according to the standard package of documents. But besides this will have to provide confirmation that in the family after January 1, 2018 the second or third child was born.
for maternal capitalWhen receiving a mortgage in Rosselkhozbank, you can use maternity capital as an initial fee. The size of the initial contribution in this case is calculated by the mortgage conditions for a young family.
Maternal capital must be sent to the repayment of mortgage debt within 3 months from the date of issuance of the loan.
for pensioners
Rosselkhozbank's mortgage retirees today can get along with younger people. No discounts and benefits are not provided for them.
In particular, the Mortgage of Rosselkhozbank is issued to citizens of Russia under the age of 65, provided that the return period of the loan comes to the execution of the borrower of 65 years.
In addition, the pensioners receiving a pension to the account, open at Rosselkhozbank JSC, does not apply to the availability of a common work experience of at least 1 year over the past 5 years.
See Mortgage Conditions in Deltacredit Bank (Rosbank).
Who belongs to the "reliable" clients of Rosselkhozbank?
To "reliable" customers include customers with positive credit history According to the current / redeemed loan at Rosselkhozbank JSC, the current / acting at least 12 calendar months before the date of submission of the application for credit / until the day of its repayment, and positive credit history in other banks.
Who belongs to the salary customers of Rosselkhozbank?
The salary clients include employees of enterprises that are participants in the "salary project" of Rosselkhozbank JSC, individuals receiving wages At the expense of Rosselkhozbank JSC.
Requirements for customers
Rosselkhozbank presents rather strict requirements for potential customers.
1. Citizenship. RF.
2. check in: In the territory Russian Federation at the place of residence or stay.
3. Age. From 21 years to 65 years (at the time of the full credit refund). In special cases, you can pay a mortgage to 75 years. This requires simultaneous compliance with the following conditions:
- the presence of a coacher;
- until less than half of the loan period should be held until the borrower is fulfilled.
4. Work experience. The experience of the experience is different depending on the category of the borrower.
- For individuals: at least 6 months at the current job place and at least 1 year of the overall experience in the last 5 years;
- For salary and "reliable" customers: at least 3 months at the last place of work and at least 6 months. overall continuous experience in the last 5 years;
- For pensioners: On customers who receive a pension to the account, open at the Rosselkhozbank JSC, the requirement for the presence of a common experience of work for at least 1 year over the past 5 years does not apply.
- For citizens leading LPH: the presence of entries in the hoping book of the local government authority on the management of the Citizen LPH for at least 12 months before the date of submission of the application for a loan.
Documents for a mortgage in Rosselkhozbank
To make a mortgage loan, you need to collect and submit a whole package of documents to the RSHB. Wednesdays:
- Passport of a citizen of the Russian Federation;
- Military ID (for men under the age of 27);
- Documents on the marital status and availability of children;
- Documents confirming financial condition and labor employment;
- Documents on a credited real estate object.
The list of required documents can be changed at the discretion of the RSKB.
What income will take into account when determining the size of the loan?
Rosselkhozbank takes both one and several types of income:
- at the main place of work;
- obtained in a different place of work (partition);
- from business activities (except loan for a period of over 36 months);
- pension payments;
- from conducting personal subsidiary farm (LPH);
- revenues from other sources allowed by law, confirmed documented:
- revenues under property lease agreements (confirmed documented);
- remuneration from the use of intellectual property;
- under civil law agreements.
Mortgage in Rosselkhozbank in 2019: Features
Rosselkhozbank raised mortgage rates to 1.25 percentage points. The updated rates are still dependent on the loan amount (mortgage from 3 million rubles will cost cheaper).
The minimum rate when buying an apartment in the secondary market today is 9.95%, and in the new building - 9.6%. When buying a house with a land plot, the interest rate will be from 13.5%.
Raising bid bank reflects a general trend in the market, and experts predict that by the end of the year it will continue.
Note that Rosselkhozbank still pays special attention The social side of the issue of mortgage lending to the population, providing the most favorable conditions to young families and families with children, as well as employees of the budget sector.
More favorable interest For state employees, this is not the only advantage of mortgage loans from Rosselkhozbank. Experts also celebrate:
- Lack of commissions;
- The ability to select a loan repayment scheme (annuity or differentiable);
- The possibility of confirming income in the form of the bank;
- Special lending conditions for young families and when using maternal (family) capital.
See what favorable mortgage conditions today offers Sberbank
Mortgage Rosselkhozbank: Favorable rates in 2019
Today in Rosselkhozbank, you can favorable conditions Get a loan for the purchase of an apartment and apartments on the primary and secondary markets, as well as a residential building (including townhouse) or a land plot.
If you buy real estate in partners of the bank, the rate will be minimal - from 9.3 percent per annum in rubles. Detailed information on such real estate objects can be found in the territorial divisions of Rosselkhozbank JSC. We will consider the basic conditions of mortgage programs for individuals.
Mortgage housing lending to Rosselkhozbank
With the help of a mortgage loan, you can buy a country house, an apartment or apartments in a new building or on the secondary market, as well as acquire a land plot under housing.
Conditions
- Term: up to 30 years;
- Maximum amount: 60 million rubles;
- Initial contribution: at least 15%;
- Repayment: monthly, differentiated or annuity payments (optional client).
Interest rates
Purchase an apartment in the secondary market
|
Salary and "Reliable" customers |
State employees |
Other individuals |
|
up to 3 million rubles |
||
|
up to 3 million rubles for young families |
||
|
from 3 million rubles |
||
|
from 3 million rubles for young families |
||
Acquisition of an apartment in a new building (shared construction)
Purchase a residential building with a land plot or only land plot
Dumping:
Documents for a mortgage in Rosselkhozbank
To make a mortgage loan, you must collect and submit to the bank the following package of documents:
- - passport of a citizen of the Russian Federation;
- - military ID (for men under the age of 27);
- - documents on the family / availability of children;
- - documents confirming financial condition and labor employment;
- - Documents on a credited real estate object.
Who can get a mortgage in Rosselkhozbank
The Bank places simple and understandable requirements for potential borrowers:
Age: from 21 to 65 years at the time of repayment of the loan;
Citizenship: RF
Registration: On the territory of the Russian Federation.
Work experience:
- - For ordinary individuals: at least 6 months at the last place of work and at least 1 year of the overall experience in the last 5 years.
- - For salary clients Conditions are more gentle: at least 3 months at the current place of work and six months of the total continuous experience in the last 5 years.
- - For citizens leading LPH, it is necessary to have records in the busy book of the local government authority on the management of the Citizen LPH within 1 year before the date of submission of the application for a loan.
Compare the offer of the RSKB with mortgage rates in VTB 24
Mortgage in Rosselkhozbank 2 documents: Conditions
For two documents in Rosselkhozbank today, you can make a mortgage loan for the purchase of an apartment, country house With land plot (including townhouse), as well as a real estate object on the primary market, the construction of which is funded by the RSKB. To do this, you will need only a passport and any other document certifying personality. But it is necessary to understand that interest rates in this case will be somewhat higher.
Conditions
- Term: up to 25 years
- Minimum amount: 100 000 rubles
- Maximum amount: 8 million rubles for Moscow and the Moscow Region, St. Petersburg and the Leningrad Region / 4 million rubles for other regions.
- The maximum amount should not exceed: 60% of the cost of housing in an apartment building / 50% of the price of a residential building.
- The initial contribution: at least 40% of the cost of housing in an apartment building / at least 50% of the price of a residential building.
- Repayment: Monthly, differentiated or annuity payments (to choose).
Interest rates
Purchase of the secondary apartment (including townhouse), as well as the property of real estate in the primary market, the construction of which is funded by Rosselkhozbank JSC, or in developers belonging to the PJSC Group of Companies
Acquisition of a residential building with a land plot
Dumping:
1.00% in case of refusal of insurance.
Who can take a mortgage in Rosselkhozbank in 2 documents
To get a mortgage loan for two documents, you need to have Russian citizenship and registration in the territory of the Russian Federation. Mortgage is issued to borrowers aged 21 to 65 years (at the time of debt repayment). It is also important to have work experience at least 6 months at the last place of work and at least a year of the overall experience in the last 5 years.
Target Mortgage Rosselkhozbank: Terms and interest
This is a loan without an initial contribution to the purchase of housing on the security of already available real estate. You can lay an apartment or house (townhouse).
Conditions
- Term: up to 30 years
- Minimum amount: 100 000 rubles
- The maximum amount: 20 million rubles, not more than 70% of the market value of the property transferred to the deposit.
- The initial contribution: missing.
Interest rates
Apartment or Townhouse with a land plot
Residential building with land plot
Dumping:
1.00% in case of refusal of insurance.
Mortgage Rosselkhozbank for young families: Conditions and rates
First of all, it should be noted that the "young" today is the family in which the age of at least one of the spouses does not exceed 35 years. For such "society cells" are offered preferential conditions.
The size of the initial contribution is:
- - at least 10% of the cost of acquiring a real estate object;
- - At least 20% when buying an apartment in a new building.
In addition, you can use the postponement of the payment of the principal debt. At the birth of a child during the repayment of the mortgage loan, payments can be postponed until they reach the age of 3 years.
The remaining mortgage conditions for young families in Rosselkhozbank coincide with the basic. But interest rates when purchasing an apartment (including Townhouse with a land plot) or apartments on the secondary market below:
Mortgage in Rosselkhozbank for Material Capital
Maternal (family) capital can be used as an initial contribution. The main thing is that its amount amounted to at least 10% of the value of the apartment purchased in the secondary or 20% of the housing prices in the new building.
Mortgage with state support for families with 2-3 children
This is a preferential mortgage loan for the purchase of built or finished housing from the developer (new buildings) for families in which from January 1, 2018 to December 31, 2022 is born a second or third child.
Conditions
Maximum amount: 8 million rubles for Moscow and Moscow region, St. Petersburg and the Leningrad region / 3 million rubles for other regions of the Russian Federation.
Maximum period: 30 years.
Interest rate on mortgage with state support for families with 2-3 children Installed in a special way.
The rate of 6% is valid for 3 years at the birth of the 2nd child and 5 years at birth of the 2nd. After the end of the grace period, the interest rate is established in the amount of the key rate of the Central Bank of the Russian Federation at the date of issuance of a loan, increased by 1.8 percentage points.
Welcome! In this article we will tell how Rosselkhozbank Mortgage feels at the mortgage lending market. We will tell about the issuance of Mortgage Rosselkhozbank , Mortgage programs of the bank, including special for a young family and with a carcipal. Denote the conditions, requirements for the borrower and interest, as well as the necessary documents for the application. As a summary, there will be an analysis of the advantages and minuses of mortgages in Rosselkhozbank.
The list of PJSC Rosselkhozbank Mortgage is very widely represented. In essence, today Rosselkhozbank (RSKB) is one of the leading mortgage banks of our country. It gives loans in all major sectors of the mortgage market.
The main thing is how the mortgage differs from Rosselkhozbank is the reliability and high authority of the bank itself. Along with such giants such as Sberbank, VTB-Bank of Moscow, Gazprombank, VTB 24 PJSC Rosselkhozbank is one of the top five state banks.
The second feature, which mortgage in Rosselhoz differs from others - its extensive experience in providing loans on the security of real estate. The Bank is among the pioneers of this market, which started mortgage lending in Russia, is actively developing this direction, has a unique portfolio of credit proposals.
Rosselkhozbank Mortgage credits new buildings - high-rise buildings, objects of the secondary real estate market, residential buildings, townhouses, shared construction of residential facilities. Mortgage Rosselkhozbank for 2019 even included the acquisition land plots under construction projects.
RSKB, like others state banks, actively participates in the provisional program of borrowers from target social groups.
In the RSHB loan portfolio there is a military mortgage, loans for married couples up to 35 years old "Mortgage Young Family". Mortgage with maternal capital in Rosselkhozbank is very popular.
Having accumulated extensive experience with the mortgage, the bank has developed a simple, non-bureaucratic technology of working with borrowers, in some cases of mortgage is issued upon presentation of only two documents.
Mortgage loan for the purchase of residential real estate
How to take a mortgage in Rosselkhozbank? The answer is simple - to use one of the numerous programs of the RSKB.
Mortgage loan for the purchase of residential real estate allows you to purchase the following real estate objects:
- ready apartment in the secondary market;
- residential building with land or sectional townhouse with a plot of land on which it is located;
- land without a building;
- apartment in a new building for DDU or overcast;
- ready and under construction apartments.
RSKB is ready to consider the option of a loan period of 30 years. The loan amount is up to 20 million. The initial contribution, when making the conditions of the mentioned program, will be from 15 to 30 percent of the cost of the acquired object depending on its category. Credit an annuity loan.
From 21.03.2017 there is a single and fixed bet on the mortgage "Purchase of residential real estate" - 9.75% (9.25% if the application is filed from the Bank's partner). The exception will be the acquisition of a residential building or land - 15.5% (14.5% if the first contribution is 50% and for up to 5 years).
| The property | PV,% | Rate,% | Note |
|---|---|---|---|
| New building | 20 | 9,45 | |
| Seconder | 10/15 | 9,45 | dISCOUNT 0.15 if the salary or statelow is 0.2% if more than 3 million young family 9 and 9.15% |
| Apartments | 30 | 10,25 | discount 0.25 if over 3 million, even discount 0.25 if through partners |
| House with Earth / Earth | 25 | 12 | 11.5 if the salary or employee |
| Military mortgage | 10 | 10,75 | |
| In two documents | 40 | 9,95 | dISCOUNT 0.15 If the salary or statelow is 0.2% if more than 3 million |
Add to rate should add:
- 1% If there is no lifestyle insurance in the mortgage.
The minimum initial contribution of 10% is possible under the "Young Family" program and when using the Matkapalo and only on ready accommodation. For the purchase of a finished apartment in the secondary market, you need to find 15% of the first contribution. A new building will need to find 20% of the cost of the apartment, and if apartments are purchased, then PV from 30%.
Mortgage on two documents
The mortgage loan program for two documents allows you to take a mortgage loan in Rosselkhozbank - on the passport and the second document ( driver's license, passport, certificate of employee of federal authorities).
As an object of lending, a transaction can be made, the object of which can be:
- apartment for staying a borrower, bought in the secondary market;
- land and residential building on it.
RSKB is ready to consider the option of a loan of 25 years. The loan amount is up to 8 million. The initial contribution, when making the conditions of the mentioned program, will be from 40 percent of the cost of the residential site depending on its category. To buy a house with the Earth, it will take PV from 50%. Credit an annuity loan.
Interest on this program is 11.05% on finished housing and 16% per home with land (15% if PV 50% and time up to 5 years).
The program "Neamell loan secured by real estate"
As an object of lending can act anything:
- Buy new housing;
- Purchase of commercial real estate;
- Fee for treatment or teaching children;
- Just current costs.
The borrower is not obliged to report to the bank, what exactly he spent the money received. It is fundamentally important that the collateral for such a loan should be an object of real estate owned by a loan.
RSHB is ready to consider the option of a loan period of 10 years. The loan amount is up to 10 million rubles. Wherein independent score The object of deposit should, at least twice the amount of the loan. A bank can only give up 50% of the estimated value of the laid real estate.
Interest rates:
- 16% for up to 3 years.
- 17% for up to 10 years.
Mortgage secured by available housing
The program for issuing loans secured by housing (target mortgage in Rosselkhozbank), which the borrower has already owned by property rights. The key to this program can make a transaction, the subject of which is:
- finished apartment for living borrower;
- buying a land plot with a separate house or sectional townhouse;
- construction of a residential building or sectional townhouse with a plot;
- payment cost shared construction housing (perhaps in the order of concessions of the rights of claim);
- acquisition of housing with the implementation of inseparable improvements of this housing (repair);
- acquisition for the housing construction of the land plot.
RSKB is ready to consider the option of a loan period of 30 years. The loan amount is up to 20 million rubles, but not more than 70 percent of the market value of the collateral object according to the agreed, mutually recognized assessment of the borrower and the creditor. If the house is pledged with the ground, then not more than 50%.
The target mortgage in Rosselkhozbank secured by the apartment is issued under the basic percentage of 10.75%. If the bank is pledged a house with land, then the rate at the PV is more than 50% for a period of up to 5 years - 14.5%, from 5-30 years - 15.5%.
Military mortgage
- provides for the provision of a loan for the provision of housing of military personnel of the Russian army, participants of NIS. The key to such a contract may be a transaction, the subject of which is:
- ready apartment on the secondary market for an officer or ensign, which is purchased to a mortgage loan;
- land and residential building located on this site.
RSKB is ready to consider the loan time version of 24 years. The loan amount is up to 1.95 million rubles. The initial contribution, when making the conditions of the mentioned program, will be from 10 percent of the cost of the acquired object. The insurance of the pledger and pledge is envisaged.
Interest rate of PO military Mortgage In Rosselkhozbank - 12%.
Young family
Roselkhozbank lending program have the opportunity to use spouse in case the husband or wife (or both) is not older than 35 years. This right is also enjoyed by single parents under the age of 35.
When lending to this program, the RSCB offers additional preferential loan conditions. When buying housing in the secondary market, the contribution is reduced to 10%. At the birth of a child, a borrower is provided with a three-year delay at the payment of the principal debt, the borrower pays only interest.
You can also get a delay in paying the principal debt for the period of construction.
Matkapital.
Conditions of Rosselkhozbank Mortgage for Material Capital:
- The size of the machinery must be at least 10% of the property value.
- Mortgage is issued entirely for the entire cost of real estate without the need to make the first installment.
- You can make repayment of mortgage maternal capital.
- The mortgage with the machinery is equal to the program "Young Family" If the age of borrowers meets the requirements of this program.
Interest rates in Rosselkhozbank correspond to base rates.
Requirements for the borrower
Rosselkhozbank is ready to work on the provision of loans secured by the finished or predetermined property with citizens of the Russian Federation. In addition, it is necessary that future borrowers are registered in Russia at the place of residence or, as a last resort, at the place of stay.
The bank also imposes restrictions on the age of the borrower. The potential client, at the time of the conclusion of the loan agreement, should already be 21 years old. And at the time of the full return of the loan (ending of the loan agreement), the borrower should not be 65 years old. More young and more older customers of Rosselkhozbank will refuse a mortgage loan.
With regard to work experience, the bank looks at different ways in different cases:
- If the potential borrower leads a personal subsidiary farm (LPH);
- If the potential borrower does not lead LPH.
For clients of leading LPH, it is obligatory to present an extract from the employment book of accounting by the LPH. The statement is drawn up by local self-government at the place of submission facilities. An extract should confirm the management of such a farm during the period of at least one year before applying for a loan. In the absence of this extract, the RSCB reserves the right to refuse a loan.
If we are talking about taking into account the incomes of the subsidiary farming, the bank makes the requirement for the availability of permanent work, the experience at the current place of work for at least six months and at least one year of experience over the past five years.
If the client at the time of filing the application receives a salary to the account in the RSKB, then the requirements for the experience are declining, it is necessary for three months at the current place and at least 6 months of the total experience in the last five years.
And if the potential borrower receives a pension accounts in the RSKB, then the requirement for the presence of a whole year of experience in 5 years is not covered.
Documentation
To obtain a loan, the potential borrower must submit the following documents:
- Application for the provision of a loan and questionnaire.
- Personality document. Passport.
- Military card for men under 28 years old.
- Certificate of marriage or divorce.
- Sv-in birth (if there are children).
- Documents on income and availability of permanent work and the required employment experience. 2 NDFLs or reference in the form of a bank.
- Extract for the maintenance of the LPH (if conducted).
- Documents on the object of the deposit. Certificate of registration of the ownership of the mortgager for the ladder property.
The bank can request additional documents if it considers it appropriate.
The bank is very demanding about the copy of the copy labor book. Check that the education is indicated in it. Otherwise, they will be requested to redo the documents or bring a diploma. Be sure to stand the borrower's personal signature. Series and book number must match the year of release.
How to make a mortgage in the RSKB
The procedure for making a mortgage in Rosselkhozbank provides for the following steps:
- Prepare a package of documents on the list.
- Filing an application. It must be considered within five days. A positive solution is really 90 days.
- Choice of housing. Take a decision about the property. Contact one of the appraisers accredited by the Bank. Get an assessment and grant it to the bank.
- Conclusion of contracts. Together with your manager, prepare the contract of sale, credit contract and the insurance contract of the collateral. If necessary, the borrowers insurance contract. Subscribe contracts.
- Registration of the transaction. Apply to Rosreestr, and it will make information about the transaction in a single state Register Rights on real estate and transactions with him (USRP). Get an extract and grant a copy of this extract to the RSKB.
Additionally, Roselkhozbank asks to come to the bank in order to photograph you and request data from PF.
Additional transaction costs are approximately 0.2 -0.5% - mortgage insurance. 3000 rubles letter of credit or 4500 cell for mortgage on the secondary. By mortgage on a new building - without additional boards.
Pros and cons mortgages in Rosselkhozbank
The undoubted pluses of mortgages with Rosselkhozbank include:
- Large portfolio of various mortgage products. Credits for up to 30 years and in the amount of up to 20 million rubles. At the same time, the interest rate is quite competitive, taking into account the highest assessment of reliability.
- A loan of all over two documents at a normal rate.
- The presence of a wide network of reliable, attorneys, certified partners. Among them are developers, and realtors, appraisers, and insurers. High degree of convenience.
- A number of special programs for various client target groups. Special lending conditions for military, for young families. Special loan program when using maternal (family) capital.
- Reliable and stable state bank.
- Lending to citizens leading personal subsidiary farming.
- Presence in remote rural areas.
- The ability to make a mortgage on minimum amount from 100 thousand rubles.
- Business owners are treated as individual According to the standard package of documents.
- One of the lowest integrated mortgage insurance.
From minuses should be noted:
- Long term of consideration (5 business days is currently quite a lot).
- Strict requirements for paperwork. Very often, the bank forces to redo the documents on any trifles.
- The need for more visits to the bank in comparison with other banks.
On this we finish the analysis of the mortgages in Rosselkhozbank. We will be grateful for feedback on the work of this bank in the comments. Share the experience of relationships with him.
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Rosselkhozbank offers 3 mortgage lending programs with the possibility of early repayment of the loan. Special conditions are offered to young families. The bank actively participates in government programs Housing construction.
Lending terms
- The age of the borrower: from 18 to 75 years (at the time of returning money);
- Minimum amount: 300 000 rubles;
- Term: up to 30 years;
- Commission for issuing a loan: absent;
Interest rate on the mortgage
We gradually fill this section. It is worth a little bit :)
Mortgage conditions differ significantly depending on, you need a loan for secondary housing, to a new building, for the construction of a private house or simply to the land plot. The following possibilities for obtaining a mortgage loan are offered to potential borrowers in the Bank:
- Without guarantors.
- Without revenue confirmation.
- Without the initial contribution.
The bank has an arrangement of a mortgage loan with state support, in particular with maternal capital, and with early repayment. His conditions for issuing can be significantly revised in favor of the borrower, if it is opened salary project. The bank also goes to the meeting of state employees, offers special options for issuing for pensioners.
Real estate loan preliminary calculation will help the modern online calculation of the cost - it will provide the main necessary information, respectively, the requirements and wishes of the borrower.
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