Mortgage for pensioners Rosselkhozbank

Rosselkhozbank offers its clients mortgage lending programs, within the framework of which it is possible to purchase suburban housing, an apartment or apartments in the primary and secondary markets, as well as complete construction. Mortgages for pensioners in Rosselkhozbank are distinguished by special lending conditions and a number of features.

Features and Documents

Mortgage lending in Rosselkhozbank has a number of undeniable advantages:

• there are no commission fees when drawing up a loan agreement;
• the client can individually choose the method of repayment;
• restrictions on early termination of the program are not provided for by the contract;
• special conditions are offered for persons of retirement age.

To obtain a loan, you must provide the following package of documents;

• bank statement;
• a passport of a citizen of the Russian Federation or, in case of its absence, any document with which bank employees can verify their identity (for example, a driver's license);
• documents on real estate, which will be covered by a mortgage;
• certificate from the pension authorities;
• insurance certificate;
• certificate from the place of employment (if the pensioner has one).

It is worth noting that in some cases, Rosselkhozbank may require the provision of an additional package of documents. Any client can familiarize himself with the current list on the official website of a financial institution or in any branch.

Categories of pensioners

Mortgage for pensioners Rosselkhozbank is provided to the following categories of persons:

1. For working pensioners. It is far from a secret that many people of retirement age carry out labor activities even after 70 or 80 years. Having a permanent job greatly increases your chances of getting a mortgage.

1. For retirees who can use a third party to help pay off their mortgage. In this situation, we can talk not only about the spouses of a potential mortgage client, but also about relatives, friends and other persons. Rosselkhozbank does not establish conditions that would prevent the involvement of third parties. The main requirements for them are the following:

• legal capacity;
• solvency;
• perfect credit history (this requirement especially affects the positive response from bank employees).

Mortgage terms and interest rates

Rosselkhozbank offers favorable conditions for pensioners as part of the mortgage lending program. Basic information about them is presented in the summary table:

Mortgage payments are made every month, at the time specified in the agreement. Payments can be lump-sum and shared. The payment method is chosen by the client.

It is worth noting that the bank provides an automatic payment service directly from the Rosselkhozbank pension card.

Early repayment of the credit program can be carried out in any month, but only on the set date of the monthly payment. Commissions of any kind are not included in the mortgage agreement. The loan is issued based on the results of an individual assessment of the collateral.

Failure cases

In some cases, Rosselkhozbank may refuse to issue a loan as part of a mortgage without giving reasons. However, the most common failures occur under the following circumstances: