Mortgage under 10 per annum. Mortgage calculator. Mobile Applications

In accordance with the statistical information posted on the official website of the Central Bank of the Russian Federation, at the end of 2017, the weighted average mortgage rate was about 10%. But what does this mean in real terms? On what monthly payment Can I count with such conditions? To calculate the parameters mortgage loan Credit calculators are used, with which you can find out the exact monthly payment without personal contact of the bank.

In order not to get confused in difficult, you can use our mortgage calculator.

Mortgage calculators online

Depending on the purpose of calculation and the specified conditions, several types of credit calculators have been developed. At the cost of real estate or by the amount of loan

Used to determine the monthly payment, based on the cost of real estate, the size of the first installment, the loan period, the interest rate values.

The most common option is among universal calculatorsand among the banks posted on the official websites.

By income

Used to determine maximum amount Credit for specified. By changing the parameters of the term and the initial contribution, you can choose a comfortable monthly payment.

On monthly payment

Allows you to evaluate which amount of loan you can count on a fixed amount of monthly payment, interest rate and term. The smaller the loan period is, the smaller the amount may be obtained.

Bank calculators

If you have approximately decided on the list of banks in which you would like to take a mortgage, the calculation of the credit parameters is advisable to be directly in bank calculators. Usually they are automatically affixed interest rate Depending on the program chosen and immediately takes into account the allowable level of credit burden on income.

Calculator Sberbank

Calculator Raiffeisenbank

Mobile Applications

Today, not only online calculators are available for use (such services are very few online), but also special free applications designed for smartphones and mobile devices.

The principle of use is similar to online calculators:

1. Fill out the terms of the loan (amount, term, rate, etc.)
2. Press "calculate"

Mortgage Calculator for Windows 10

Types and methods of interest accrual

In addition to the interest rate and other loan parameters on the amount of monthly contribution, the method of interest accrual or the type of monthly payment is affected: annuity or differentiated.

Annuity It implies the same amount of payments per month during the entire term of the loan. At the same time, in the first years, the principal debt is practically not reduced, and most of interest is repaid in the first half of the term of the loan.

Differentiated plates Each month includes the same equal value of the main debt and interest accrued on its balance. Therefore, with a decrease in the body of the loan, interest decreases and, accordingly, the monthly payment decreases.

Differentiated payments are more profitable than annuity, and allow you to reduce the sum of the total overpayment. But their size at the beginning of payments is much larger than with annuity.

Examples of calculation

Using a mortgage calculator, you can calculate the loan parameters with different conditions in a couple of minutes and determine the possibility of making a mortgage.

Mortgage under 8, 10, 12% per annum

Calculate in the loan calculator mortgage loan under 10% per annum and compare the monthly payment obtained with a similar mortgage under 8 and 12 percent.

Based on the calculation, the monthly mortgage payment under 10% per annum will be 31,804,53 rubles. The difference in only 2% in a smaller side reduces the amount of monthly payment by almost 5 thousand rubles, and the amount of overpayment by 1.4 million rubles.

Will help in the calculation of the main indicators mortgage loan

At the end of July 2010, in Sberbank, when making a mortgage loan under the "Mortgage +" program for the purchase of real estate under construction, or already built with the participation of the Bank's funds, it was possible to participate in the action "in the top ten!" or "10-10-10".

It was originally planned that the action will be completed in October 2010, but due to its popularity, it was extended by the end of 2011.

Main idea loan offer It is visible from his name. A loan is issued for a period that does not exceed 120 months (10 years).

Borrower own funds Paying for at least 10% of the cost of the acquired residential premises, the Bank issues him a loan in the amount of no more than 90% of the cost.

The interest rate on the loan is fixed, and its size is 10% per annum in rubles. At the same time, the essential positive quality of the program is that before registration of the mortgage loan has the same cost - 10%.

Providing the repayment of the loan before registering the right to ownership of real estate is the key to the property right to the property under construction, and after its construction and registration - the mortgage of this residential premises. You can only purchase a program in the program, in which the Sberbank of Russia took the financial participation. The list of such properties can be found directly in the jar.

In addition, the property transferred to Sberbank, the property must be insured, and for the entire period of the loan agreement.

Also, this program provides for the possibility of early repayment of the loan. In case payments on credit Treaty Differentiated, then step off the part loan debt Perhaps at any convenient moment. When using the annuity method of calculating monthly payments, debt repayment ahead of time is possible only after 3 months after the provision of funds, and in the amount exceeding 15,000 rubles.

To make calculations on the Sberbank mortgage loan in the framework of the action 10-10-10 it is necessary to fill the fields credit CalculatorFurther.

Sberbank Mortgage Calculator 10-10-10

Welcome! For most people, the mortgage country is the only opportunity to acquire one's own housing. Most popular with borrowers uses mortgage with an initial contribution of 10 percent , which can be obtained in a number of banks. Before starting the mortgage design, it is necessary to compare the conditions offered by various borrowers and choose the most convenient and profitable. Let's analyze this nonstandard mortgage today and learn how and where you can make a mortgage with 10% of the initial contribution.

The bank lending contract contains many provisions, but the following are crucial for consumers:

• first contribution;
• monthly interest and rule of their calculus;
• maximum lending amount;
• loan period;
• convenience of service;
• additional payments;
• conditions on the key.

The first installment is the amount of funds that housing buyers contribute independently from their own savings and which covers a certain part of the cost of purchased housing. The remaining part of the price per apartment comes with a bank, issuing a contract for a mortgage.

The size of the first contribution is a decisive factor when choosing lending conditions.

On the one hand, the smaller the magnitude of the first contribution, the more people can qualify for the purchase of housing, as you can become the owner square meterswithout having initial savings. In this regard, the ideal solution is the zero first installment.

We draw conclusions

Let's make certain conclusions:

• All listed lending examples with the first payment of 10% do not mean that borrowers cannot contribute great amount As an initial contribution. 10% is minimum paymentallowed by the bank.
• With an increase in the share of independently paid funds, the borrower takes on credit a smaller amount and consistently overpays for repayment of bank interest.
• Mortgage with 10% first installment is quite real and it is worth considering it if you do not have the opportunity to make a full an initial fee by mortgage.

You can apply for a mortgage for all of the above programs using our service "". It will go to several banks immediately and will allow additional preferences from banks.

We are waiting for your questions below. We will be appreciated for subscribing to the site and husky in social networks.

Today advertising mortgage programs Pedit attractive figures: 13%, 11.5%, 11%, and finally, 10% in rubles - at such a record modest rate are offered loans in Sberbank. But is it really possible to get a loan with a low rate? And did the decline in bets in Sberbank affect the programs of commercial banks? Let's try to look into the nearest mortgage future.

Sberbank programs

Mortgage programs under 10% per annum really exist, today Sberbank has two such products. The first program is "Mortgage +". For it, under 10% per annum, you can get a loan for 10 years in rubles, making at least 10% of the value of real estate as an initial contribution. Payments are provided differentiated (varying with a decrease in the principal debt) and annuity (identical). Within the framework of this product, the "Young Family" program works, which gives a deferment on the payment of the principal debt at the birth of a child until they reach the age of three years, also Sberbank is ready to take into account not only the income of a young family, but also their parents.

The second program is "Mortgage Standard". According to this program, loans are issued under 10.5%, and only annuity payments.

Both programs suggest limitations and minimum percentage It can be obtained only at the coincidence of a number of conditions. The "Mortgage +" product is aimed at purchasing housing, built with the participation of credit funds of Sberbank. In addition, a loan under 10% will be issued only under a credit period of not more than 10 years, otherwise the rate will increase to 10.95-13.5%. A lower percentage can receive a corporate Sberbank Customer. Interest at a low rate will be charged after registration of the departure of the apartment in favor of the bank, and up to this point the rate will be higher (up to 15% per annum). It is possible to issue a deposit only after registration of property rights, which in relation to the house-new building can take more than one month.

Credit under the Mortgage Standard program under 10.5% can be taken on any new building, but the favorable bet is available only to corporate clients. And this is not enough, you need to have money for the initial contribution of 50% of the cost of the apartment, and make a loan for up to 10 years. Only with the coincidence of these parameters can be calculated at a percentage rate of 10.5% per annum.

There is also a security deposit of real estate, which is possible after typing property, and up to this point the loan interest will be higher: 11.65%. For a person "From the street", the size of the minimum rate under the program "Mortgage Standard" will be at least 11.65% after registration of collateral and 12.9% - to. To get a loan by the most profitable betIt will have to make 50% of the cost of housing and take a loan for more than 10 years. In other cases, the rate can grow to 14.75%. This product requires mandatory insurance The life and health of the borrower and the assessment of the value of real estate for the design of the mortgage. Accordingly, the costs of the borrower are increasing.

Thus, the real percentage in Sberbank for most borrowers is an average of 12-13.5%. In other banks, it is quite possible to get a loan approximately under the same interest: 12-14%.

Interest below - Conditions tougher

"The tendency to reduce the average interest rate is observed since the beginning of 2010. In January, it was 17.71% in rubles and 13.61% in dollars, and in August - already 16.27% and 13.20%, respectively," reports Tatyana Budoragin, director of marketing company "CREDMART". Each of the banks offering a mortgage carefully follows changes in the market. Banks are observed not so much for the actions of Sberbank, how much for the economic situation, and the decline in rates is noted in parallel in all banks. True, banks with state support, which also applies to the Sat RF, more opportunities: " Commercial bank It is difficult to compete with Sberbank. It can from time to time to keep profitability at a minimum level for the implementation of government programs, including in the field of mortgage, "says Vladislav Esenkov, Deputy Head of the Office for Working with Mortgage Business Bank of the Bank" Unifin "(CJSC).

Nevertheless, the rates decreased in all banks. "They were minimal in April (9-10%), and now somewhat rose to 10.5-11.5%," says Dmitry Ovsyannikov ("Mortgage. Ru"). - But it is more correct to talk about the minimum, but about the average rates, they are at the level of 12-13%. " Albert Ippolitov, General Director of Rusipotek, gives a wider range: 11.5% -14%.

In any case, the lower the percentage of the loan, the tougher lending conditions. The mortgage under 11% can be obtained, most likely, only under a loan period of not more than 3-10 years and with a significant initial contribution (at least 50% of the cost of the apartment). "Strict conditions are designed to compensate for the risk of a bank to attract non-creditable borrowers who hollowed on a profitable offer," explains Marina Mishuris, Chairman of the Board of Flexinvest Bank.

Interest interest, but we must take into account the real possibility of obtaining a mortgage loan. Just a year ago, we could take the loan only citizens with a high "white" salary, great experience, for a small period and with a significant initial contribution. And now? "The requirements for the size of the initial contribution becomes more loyal: in a number of banks, you can take a loan, having only 10% of the real estate value (though the interest rate will be maximum)," says Irina Kahikin (Relat-Real Estate).

Among other elections are a decline in the minimum age of the borrower, the abolition of a mandatory minimum work experience. For another six months ago, banks were taken as a confirmation of income only a certificate in form 2-NDFL, and today they can consider and certificates in free form, however, rates in this case are 1-1.5% higher.

References in their own form instead of 2-NDFL began to consider even Sberbank. In addition, he refused additional commissions. "It was a sign step, and several other banks were immediately followed by his example," testifies Dmitry Ovsyannikov ("IPotek.ru").

Another trend is a reduction or cancellation of the moratorium on early repayment loans. The maximum possible amounts of loans and credit times - on average up to 30 years, - Mikhail Makov reports, head of the secondary housing department Kutuzovsky Prospekt (Moscow).

Below the rate is more expensive than meter. And vice versa

Experts do not expect a further significant reduction in rates. "At the beginning of next year, you should not expect a sharp fall that could be observed in the post-crisis period. Perhaps the rates will still be reduced, but by 0.5-1.5%, and not 3-5%, "Stefan Bayene is sure, the head of the management of strategic marketing and the quality of the bank Suck the Generaral East (BSGV). Most experts believe that in the future, the mortgage rate will reach a pre-crisis level, decreased annually by 0.5-1%, but about decreasing interest, for example, to the European level, i.e., no one speaks to 4-5% per annum .

Therefore, they advise to their customers not to slow, and take a loan when the housing problem has grumbled, without thinking about the fact that the refinancing rate is declining, which means that the mortgage rate decreases. First, the refinancing rate remains in place. And, secondly, "there is a clear pattern: when low bets - High cost of real estate, and vice versa, "says Irina Kahikina (Relat-Real Estate). "Potential mortgage borrowers In anticipation of cheaper rates, the rise in price of apartments may wait for the price of apartments, "Stefan Buaye agrees (BSGV). "So now is the time to solve your housing problem With the help of a loan: interest rates on the mortgage have almost reached their pre-crisis level, and housing prices are still reduced, "Tatyana Nevsky believes, the head of the Mortgage Lending to the Retail Business Block of Alfa-Bank believes.

There is no potential mortgickle on the hand that today there is no housing fast growth prices. In the conditions of attractive demand, the selection of the desired version becomes a difficult task. So you can think about the mortgage, if without a loan housing does not buy. And that's what some banks offer today.

Suck a female East (BSGV)
Stefan Bouaye, Head of Strategic Marketing and Quality Bank:
In our bank from the beginning of 2010, in addition to the rate reduced minimum size The initial contribution, has become more loyal customer income requirements, and it is still possible to confirm income not only in the form of 2-NDFL form, but also a document in an arbitrary form on the employer's form. Credit applications Considered within 5-7 days, and any mortgage loan can be repaid early without additional commissions upon expiration of the first 6 months.

Along with standard programs "Apartment" and " country estate"Intended to acquire urban or country housing on secondary market, we offer the program "To improve housing conditions", Which involves the acquisition of real estate (apartments, cottage, land plot) secured by another real estate, already available to the client or his close relatives. Such a loan can be obtained under 14.5% -16% in rubles, 10.25% -11.5% in US dollars and 9% -12% in euros. The minimum initial contribution is 20%.

In 2010, the program appeared Land plot"In which the land in the mortgage can be purchased in the secondary market with a pledge of the property acquired property. Mortgage loan "Land plot" is provided under 14.75% -15.75% in rubles, 12% -13% in US dollars, 14.5% in euros.

In addition, there is a program "Pledge of real estate", which allows the security of real estate available to the property to purchase other real estate, carry out costly repair or invest credit funds In construction. The rates for this program amount to 17.25% -17.5% in rubles, 12.5% \u200b\u200b-12.75% in US dollars, 14.5% in euros.

Alfa Bank
Tatyana Nevsky, Head of Mortgage Lending to the Retail Business Block:
Since the beginning of 2010, mortgage rates in Alfa-Bank have already declined three times and actually reached the pre-crisis level. Today, rates in rubles range from 13%, and in US dollars - from 10%.

The minimum initial contribution on the ruble program "Credit for the purchase of an apartment in the secondary housing market" was reduced, the validity period of the positive decision of the bank was increased. For ours corporate clientsconfirming their revenues in the form of 2-NDFL form, it became possible to increase the amount of the loan to 45,000,000 rubles.

Today, the most relevant program for consumers is a loan for the purchase of an apartment in the secondary housing market, to buy a country house / cottage, refinancing previously issued in another bank, mortgage loan. The most popular program is "Credit for the purchase of an apartment in the secondary housing market." It is its most attractive conditions: interest rates from 10% in dollars and from 13% in rubles (for corporate clients even lower); The initial contribution from 20% in rubles and from 35% in dollars. Considered both official income and income confirmed by the Bank's form form are considered. additional incomeThe guarantors are not required.

The amount of interest rate is the first thing that customers pay attention when choosing a loan product. This is the most significant factor that determines total loan and overpayment over time. The lower interest rate, the more profitable. Credit under 10 percent per annum is one of the most attractive banking products precisely due to a small overpayment. There are such suggestions in most banks, however, it is most often indicated. minimum bid, and final interest is calculated for each client separately, taking into account its financial characteristics.

Credits for Low Percentage

The following categories of citizens may apply for loans at a reduced rate:

• salary bank customers;
• pensioners;
• bank depositors;
• persons who have redeemed loans in this bank without overdue.

The final interest rate in most cases is calculated individually taking into account the solvency of the client, the availability of collateral, amount, term and other conditions. For trust and loyal lending conditions, customers can count with good credit history, without debts and violations.

Where to get a loan under 10% per annum?

The table below provides a list of banks in which you can take a loan under 10% per annum in the amount of up to 20 million rubles for up to 3 years without sure, but with income confirmation:

To approve the loan, you will need to provide certificates confirming the sufficient level of income, and several additional documents (at the request of the creditor). Without references, take a loan for a low percentage only in several banks.

How to calculate a loan under 10 per annum?

Calculate a loan under 10 percent per annum can be using the built-in credit calculator on the page of a specific banking Product. In the Credit Calculation field, you need to make the value of the amount and time limit, and then click on the "Show Calculation of Month" button. A table opens with an indication of the size of the monthly payments, the loan balance and the sum of the overall overpayment. You can find out in advance how much you will pay per month, and easily select the most convenient option, changing the deadline or amount of the loan.

The procedure for issuing a loan

Find bank offers and arrange consumer credit Under 10 percent per annum can be on our website:

1. In the search column graph, enter the value of the amount and term of the loan. To specify specific conditions, click the "More Parameters" button. In the extended search mode you can note the additional conditions for issuing a loan: age, availability of pledge, experience, etc.
2. Among the selected suggestions system, select the most convenient for you and click on its name. A product card will open, where detailed conditions and requirements for obtaining a loan will be indicated. To submit an online application on credit, click on the appropriate button.
3. The application will open in the new window. Carefully fill in all the required fields and specify current contact information.
4. Expect a call to the credit specialist. He will inform you a preliminary decision and instructs further actions.

In case of a positive solution, you will be invited to the office for the design of the transaction.