Minimum first installment. The initial contribution of the Sberbank Mortgage. Mortgage programs Sberbank

Mortgage - the event is financial and cost, especially when it comes to the initial contribution. However, it is possible to do without it, but is it favorable, or is it makes sense to podnak on a one-time payment? We understood with experts

What percentage to choose

The value of the initial contribution of the mortgage can be from 0 to 80%. It is worth understanding that the less contribution, the higher the interest rate. It is better to put a goal right to cover half the cost of housing. So you can count on more profitable terms Mortgage.

Director General of Rezidential Group Sergei Ilyasayev notes that banks willingly lend borrowers who contribute 50-60% of the cost of the apartment. If a person has an initial contribution amount from 5 to 10% or has no savings, it is risky, so the rate is rising. If all 80% is covered, the most appropriate solution will be the purchase square meters By installments from the developer.

Head of the Mortgage Department of the NDV Real Estate Company Christina Schulgin with this opinion of Solidarna: "The loan should be taken when a minimum of 50% of the cost of future housing is accumulated on the first installment. In addition, so you work out the habit of regularly postpone the money and you can count on better conditions from the bank, for example, reduced monthly payment or a corrected loan payment term. "

As noted by the chairman of the "obedient money" of Anfisa Egorova, there is another important argument in favor of the first payment of from 50% and higher. "When most of the housing is in your property, much less risks associated with the design of the collateral. If the prices in the real estate market will fall, the apartment you purchases will cost less than the size of your mortgage debt. If it is impossible to pay a loan further, you will find yourself in hostages of this situation, since the amount from the sale of square meters will not be able to cover the debt to the bank. "

Low initial contribution, according to Anfisa Egorova, will entail not only more high percentbut also a number additional expenses, for example, additional insurance.

Mortgage without a first installment

When a quick review, this option seems attractive, however, this product may have enough restrictions. Mortgage without making a preliminary contribution is drawn up on the housing of the secondary market, when buying an apartment only in a certain new building (which offers developers together with banks) or when providing an additional collateral in the form of real estate. Betting on such loans range from 15 to 28% per annum, so the wishing to issue a similar loan is made higher revenues for income.

Sergey Ilyasayev leads to an example calculation.

Consider the offer of Sberbank of Russia "Promotion for new buildings - a rate of 10.9%", operating from February 20 to May 31, 2017. Credit period - up to 30 years, the size of the initial contribution is from 15%.

Suppose that the client wants to buy an apartment with an area of \u200b\u200b37.2 square meters. m, the value of which is 2 889,000 rubles.

According to the National Bureau of Credit Stories, on average borrowers pay mortgage for 14 years and 9 months. Rounded this period up to 15 years. In this case, we will take into account that the rate rate will not change throughout the period of lending, and early repayments will not be.

If the buyer contributes 15% of the cost of the apartment (433 350 rubles), it should pay a monthly $ 27,756,84 rubles. At the end of the loan period, the size of the final overpayment will be 2 540 579,63 rub. (87.9% of the cost of the apartment).

Now consider the conditions for obtaining a mortgage without the initial contribution to the bank "Revival". Financial organization It can provide a borrower with a loan from 12.95% per annum (rounded to 13%).

Since the IRN.ru calculator does not make calculations with an initial contribution of 0%, we indicate it in the amount of 1%. When buying this apartment, it will be 28,890 rubles. The amount of monthly payment on the loan - 36 187.32 rubles, and the final overpayment - 3 653 606,52 rub. (126.5% of the cost of the apartment).

Compared to Sberbank conditions, overpayment amount is 1,113,026,89 rub. Consequently, the client is more profitable to accumulate on the initial contribution.

How to accumulate on the first installment

There are several ways to get funds to the first installment so that the housing loan cost cheaper.

2. Take consumer creditBeing ready to make payments on two loans at the same time. There is one "but" - if the bank determines that half the innovation of the family is spent on repayment of debts, you will have to consider other options for purchasing our own housing. It is important to calculate in advance so that payments to the consumer loan do not bring to "no" the desire to save on the mortgage.

3. To lay existing real estate. However, no matter how much it cost, no bank will allocate a loan for a 100% amount of the property being laid. It is often not more than 70-80%. The deposit must be located at the place of submission of the application. An exception is a deposit in the form of apartments in Moscow and the Moscow region, which are the most liquid, and are accepted by banks throughout the country.

4. Accumulate yourself.Managing Partner and Founder International Anderida Financial Group (AFG) Aleksey Tarapovsky advises: "If your income is equal to expenses, first postpone a small part of the money, for example, 3-5% monthly. This amount will be comfortable, but is clearly insufficient to achieve the result, so each month it is recommended to increase it, reducing other expenditure items until it is possible to postpone 20-30% of income. If your income exceeds your expenses makes sense to postpone all over. " Sergey Ilyasayev notes that to preserve accumulated funds from inflation, customers can put them in the bank. At the same time, it is better that he entered the top 30 largest financial and credit institutions of Russia.

To pay for a mortgage loan less, you should accumulate to the initial contribution. Than great amount It will be possible to collect, the more financial freedom you get in the long run.

When buying housing on credit through Sberbank, it is important to take into account which initial mortgage fee in 2018 to prepare in advance and take a weighted solution. Consider the requirements in the Bank's programs, as well as several popular alternatives to other credit institutions.

What is the initial contribution and why is it needed?

An initial fee With mortgage - part of the cost of the housing purchased on credit, which the borrower is obliged to make at his own expense.

For a credit institution, the possibility of a citizen to make its own funds is an additional confirmation of its solvency and reduces the risks of the bank with negative scenarios when the client is temporarily or constantly can not pay the mortgage. Therefore, loans with such a fee are extremely achieved even the most "ideal" borrowers, and the interest rate and other key conditions on them are much more profitable.

Usually the initial fee is set at a mark of 10-15% of the value of real estate, but this is a minimum threshold.

If the client can allow a large amount, then there is no restrictions on it. Such a loan will be approved with a greater probability, and the transfer of the bank will noticeably decrease.

Is the initial fee obligatory in principle?

Although after economic crisis 2008 The number of credit products without initially a contribution has greatly decreased, such target loans did not disappear completely. But banks are suitable for the selection of customers on them noticeably stricter:

• The presence of expensive property - real estate, vehicles.
• Early estimated credit history borrower.
• Careguides or guarantors can be involved.
• Citizen's income is presented higher demands.

Some banks provide a mortgage without the initial contribution only to a limited list of real estate, as a rule, it is apartments from the developer, which is a partner of a credit organization. Alternative solution - "Repayment" of the first contribution by means maternal capital families.

But in this case, the procedure for issuing a loan is delayed under bureaucratic reasons, as well as there are some restrictions, in particular, the certificate must be spent on the mortgage completely.

Is the initial contribution required in Sberbank?

We now turn from the theory to practice and find out whether the initial contribution of mortgage in Sberbank is obligatory. In the overwhelming majority of cases, this is so - this credit institution has no program, which in its pure form would make it possible to issue a mortgage without its own funds. So the answer to the question is whether the initial contribution is needed for a mortgage in Sberbank with rare exceptions positive.

But there are alternative ways to repay this contribution. For example, some programs allow you to repay it with the help of maternal capital issued by a young family.

The bank may go towards people entering federal program Supports of borrowers - this may be, for example, disabled, large families and other similar categories of borrowers. But here you need to navigate not on the Sberbank program, but to regional state programs Support and consider each case individually.

There is also no initial contribution when making refinancing the mortgage of other banks, but this is a special type of mortgage lending, because within the framework of this material it cannot be considered in detail.

Alternative to the repayment of the initial contribution

In addition to the use of maternal capital, there is another alternative version of the "repayment" of the initial contribution of the mortgage. Apartment as an initial contribution of the Sberbank Mortgage may be good option For those who already have housing, which he wants to change.

Technically, such a loan ("non-target loan secured by real estate") does not apply to the bank's mortgage program, but it is a full-fledged alternative to it. It is issued for the amount reaching up to 10 million rubles - and can be used to acquire any things, including apartments and at home. The interest rate at such a loan begins from 12%. Lending time up to 20 years, minimum amount It starts from 500 thousand rubles.

Similarly, refinancing already available mortgages in another bank may be provided.

How to make an initial contribution

If housing is purchased on secondary market, The initial contribution of the mortgage is sent directly directly to the seller - in cash or by transferring to any convenient bank to both parties. A credit institution financing a mortgage, and only written confirmation of this money from the seller is required.

In the case of the purchase of primary real estate, this amount to the address of the developer must pass through the bank issuing a mortgage. The fee can be placed in bank cell either listed on the score created specifically for this purpose, called the letter of credit. In both cases, the developer will receive money only after the successful registration of the transaction. Usually both methods for transferring funds are not free. The cost depends on the particular mortgage product and the bank's tariff grid, so you need to choose in each particular case the most economical and convenient option.

Contribution size on various mortgage programs

Since the size of the initial contribution must be viewed with the rest with the rest of the factors, briefly consider mortgage programs (including temporary promotions, relevant for 2018) Sberbank, going out in detail only in the size of the initial contribution.

Credit for the purchase of finished housing

The favorable option for those who want to buy a housing present in the market. As additional collateral, you can provide housing that has already been available to the borrower.

Key conditions:

• The loan period may be up to 30 years.
• The basic loan rate begins from 8.6% taking into account the existing shares. Without shares, it rises to 8.9% or more.

Contribution: When choosing this popular option, the minimum initial contribution of the Sberbank Mortgage will begin with 15%.

Plus Proposals: low first installment, long term, competitive rate. Minus: minimum bid Available only salary customers And when insuranceing life.

Acquisition of housing under construction

When choosing this mortgage program, the Bank's client has the opportunity to purchase the housing under construction, choosing both not yet constructed buildings and from ready-made accredited new buildings. The deadline for completion of construction can be absolutely any. Documents are submitted within 90 calendar days from the date of decision to decide that the loan will be issued.

Key features:

• The minimum loan amount is 300 thousand rubles.
• The maximum loan amount is 85% of the cost of the acquired residential premises.
• The term of the loan can be up to 30 years - or up to 12 years, if it passes through the program to subsidize the rates by developers.
• The basic loan rate begins from 9.4%.
• The rate of subsidy program begins from 7.4%.

Contribution: B. this case The basic initial contribution will also begin from 15%, but the minimum level of contribution will be upgraded to 50% if the client cannot provide confirmation of its income / its employment.

Pros and cons of the product are similar to the program for secondary housing, the difference only in the acquired real estate (new building or not).

Military mortgage

Special offer from the bank for military personnel. Different with a reduced loan rate. According to the information presented on the Sberbank website, it is impressed that the initial contribution is not required, but it is not. It is also needed.

This subspecies is provided on the basis of Federal Law "On a cumulative and mortgage system housing servicemen "№117-ФЗ dated 20.08.2004

Key features:

• The maximum loan amount is 2.33 million rubles.
• The loan period may be up to 20 years.
• Basic loan rate is 9.5%. This bet is fixed and saved for servicemen anyway, without exception.

Contribution: The size of the initial mortgage contribution in Sberbank for this program is traditional for this credit institution and is 15% of the total value of the acquired housing.

Plus: the ability to use the state program, minus also follows from the conditions of the state program - not everyone is available.

Other programs with a higher contribution

Sberbank also has a purchase-oriented mortgage country real estate - The first contribution of the mortgage in Sberbank for this program is 25%. A similar rate will be when making a mortgage to build a residential building.

Alternatives

To take the right decision, you need to know what conditions are offered other major credit institutions. Consider 5 profitable alternatives, making an emphasis on the first loan contribution.

Mortgage loan "New building" in Promsvyazbank

Mortgage is issued for the purchase of an apartment in the finished or under construction. The initial contribution is absent when purchasing real estate from the Bank's affiliate developers. In other cases, it is required to make at least 10% of the value of real estate, this can be made by means of maternal capital. The loan amount is from 0.5 million rubles to 20 million rubles for regions and up to 30 million rubles for Moscow and the region, St. Petersburg. Basic interest rate 9.5-12.3%. Loan period from 3 to 25 years.

Plus Proposals: a competitive rate and a low first installment when buying real estate from partners. Minus - the mortgage period is reduced to 25 years.

Mortgage loan "On the apartment" in UniCredit Bank

Mortgage financed apartments in the secondary market. The minimum initial contribution is 15%, the possibility of its repayment by means of the Matkapalo is not specified. Credit term - from year to 30 years. Basic interest rate 10.25-10.5% depending on the size of the loan. The amount of the loan from 250 thousand rubles to 10 million rubles for regions and up to 30 million rubles for Moscow and St. Petersburg. Mortgage is issued as foreigners.

Plus Programs: a long time, low first installment, minus - rates are higher than that of competitors.

Mortgage loan "Apartment on the secondary market" in Raiffeisenbank

Mortgage is issued to citizens of the Russian Federation and foreigners in the presence of a temporary or permanent registration in the country to buy townhouses or apartments in the secondary market. The minimum initial contribution is 15%, it can be repaid with the means of maternal capital. Loan amount from 0.5 million rubles for regions and from 0.8 million rubles for Moscow and St. Petersburg, maximum size 26 million rubles. Basic interest rate 9.5%, loan period from year to 30 years.

Proms of the program in terms and loyal requirements for the initial contribution, the minuses include a bid: minimum percentage Available only to salary customers, for the other loan costs may be higher than in Sberbank.

Mortgage loan "Deals from developers" in Rosselkhozbank

Mortgage is issued to apartments in the secondary market and in new buildings, townhouses, finished houses with regions or without them, construction own house and individual land plots. The minimum initial contribution of 15% for the apartment on the secondary market, townhouse or a plot, 25% for the house with a plot, 30% for apartments, 40 or 50% for an apartment or at home, respectively, when lending to two documents. The initial contribution can be made by means of maternal capital. Credit term up to 30 years, the main rate is from 6%, the sum of mortgage from 200 thousand rubles to 20 million rubles.

Plus: Most low bet From current suggestions, minus - refund requirements at the time of the end of the loan tougher than in Sberbank, which can reduce credit period.

Mortgage loan "New building" in the bank "FC Opening"

Mortgage is represented by apartments in new buildings, including those still at the construction stage. The minimum initial fee is 10% of the real estate price. The loan amount from 500 thousand rubles to 15 million rubles for regions and up to 30 million rubles for Moscow and the region, St. Petersburg and the region. Mortgage is issued for a period of 5 to 30 years at a basic interest rate of 9.35-9.7%.

Plus: an attractive initial contribution and bets, minus - a loan is issued only to accredited new buildings.

Let's sum up

How much the initial contribution of the mortgage in Sberbank is - the magnitude is almost the same. For most mortgage programs, it will be equal to 15% minimum. In some cases, its repayment can be carried out with the help of maternal capital. If you do not fundamentally make sure it is the mortgage and is owned by real estate, you can simply take a large loan on the security of property. There are alternatives.

• If you wish to find an offer without the initial contribution, you can contact Promsvyazbank, where there are many partnership programs.
• If you need a low initial contribution, then you should contact the "FC Opening".

The remaining banks given in alternatives, the amount of the contribution is approximately the same as the sum of the initial contribution when Sberbank's mortgage, but the nuances may differ and be more profitable in specific individual cases.

The first contribution of the mortgage is a prerequisite for this type of lending. It is part of the value of the property of the property that the borrower should pay independently its owner or developer, in the case of a facility under construction. The remaining part of the cost after the payment of the first installment is paid cashreceived from the bank in the form of a mortgage loan.

Who pays the first installment

The owner of the apartment or his trusted face, if there is an appropriate power of attorney with the right to receive money, or the developer, when acquiring an object at the construction stage.

Department of payment of the initial contribution

Before getting a mortgage, since payment is one of the conditions of the mortgage agreement.

Payment can be made:

• cash, if the seller / developer are legal entities;
• by transferring to the seller's bank account;
• by entering into a special account, which issues a mortgage.

If payments are not passing through the lender, you need to provide written confirmation of payment.

The size of the first installment in 2018

Mortgage programs with initial payment less than 20% on the market is a bit. On January 20 of this year, an indication of the Central Bank of the Russian Federation to increase the risk coefficient mortgage loansWhere the bank's funds exceed 80% of the property value. Such an interest ratio was attributed to the regulator to risky operations, and as a result, reflected on the capital of bank capital adequacy. Since the amount that the creditor bank is obliged to post on the accounts of the Central Bank. New requirements are not prohibitive, and banks still have the right to lend deals where the fee is from 5 to 20 percent of the price.

List of banks with the first installment of 10%

Banks with the first installment of 15%

The first installment of 20%

Welcome to all banks. Although it is minimal for some mortgage programs:

• state support for families with children;
• military mortgage - Sberbank;
• "The more the apartment, the more profitable" from VTB;

The first installment is 50%

It allows the borrower to choose the bank at its discretion and obtain the most favorable conditions on the loan. Such an advance almost excludes the refusal. Insist on additional insurance, besides mandatory insurance Called real estate, banks will also not.

Banks with the minimum initial contribution

Is 5%. The share of loans provided in the first three months of this year with an advance payment of less than 10% did not exceed one percent.

How to reduce the initial mortgage payment

Need to show total income Family and coaches. If the lender suggests special programit is impossible to reduce the size of the advance. In addition, when it decreases, the percentage of loan and expenses for additional insurance will immediately increase.

Loan for the first installment

Such banks like, Deltacredit and Alfa-Bank are issued along with mortgage loans for the first installment. They are provided by the property of the debtor. There are certain risks. It is difficult to pay for two loans, the inability to serve them will lead to the loss of one of the residential facilities.

Some citizens in the process of making mortgages take consumer loans for these purposes, which also increases the risk of non-payment and overdue.

Mortgage without an advance payment

Existed on russian market until 2008. Currently, such programs when the Bank provides a customer loan for the purchase of housing in the amount of its full cost, no more.

Today's schemes are targeted loans and suitable for persons who are owned by a residential asset that may be mortgaged. Banks for it give out cash:

• Promsvyazbank has a special program "Private loan target";
• Rosselkhozbank offers the project "Target Mortgage".

It is important here to understand that such proposals are inherently mortgage only in terms of transfer to the deposit of existing property. Under it is issued an amount, as a rule, not exceeding 70% of its cost. The obtained funds are used by the borrower to purchase another object, which does not have a relationship to the bank, and that is why the lender does not make any requirements for him. It can be a house, apartment, apartments and even shed.

If the cost of a new object is equal to the issued loan, then it can be considered that the bank issued 100% mortgage. But if the money received is only 50% of the new real estate, the remaining 50% will add a borrower from their funds.

With such a scheme there can be no advance payment. This type of loan is used to purchase cars, and for large apartment repairs, and for the construction of country houses.

Mortgage credit lending Allows you to purchase accommodation when personal funds are missing. Sberbank offers a lot of options for such products and makes accommodation more affordable. How much does the initial contribution of the mortgage in 2017 in Sberbank?

The minimum initial contribution of the mortgage in Sberbank is determined by the terms of lending and is made upon registration loan agreement. After making the amount to the creditor account, the design process continues. There are cases when the contribution is less than the agreed amount, in this case the application is sent to re-consideration.

Making the amount of the initial contribution is more than a minimum specified by the credit conditions increases the chance of obtaining a loan by borrowers with a bad credit history. The bank assumes the risks by issuing a dishonest client with a dispropreciety, while having a good initial contribution, even in default, the sale of mortgage property will fully cover the expenses of the credit institution.

Does the initial fee need for a mortgage in Sberbank? Definitely yes! It agrees the conditions for the provision of mortgage lending and significantly increases the chances of approval. In the list of Sberbank's proposals there are several credit options without making an initial payment, but such loans, as a rule, provide an alternative version of the provision.

The percentage of the contribution and the main loan is usually established in the proportions of 30 to 70. But an increase in payment allows to reduce the percentage, for example, Sberbank, when making 50%, the initial contribution reduces the rate to 13% of the initial 13.5%. The initial contribution gives advantages to the client, but first of all aims to comply with the interests of the lender.

Mortgage products of Sberbank and contributions for them

How much is the initial contribution of the mortgage in Sberbank? Credit organisation offers several products in this direction, the conditions of which are different and minimum size The initial contribution also varies.

Sberbank is an unconditional leader in the number of issued mortgage loans. Nevertheless, despite the attractive conditions, many constitute the need to make an initial contribution. The bank offers several options to take a mortgage without an initial contribution. So what suggestions are and what is the size of the initial contribution of mortgage in Sberbank in 2017?

Mortgage for the purchase of an apartment on the primary market

The minimum contribution for this product is 15% of the cost of housing. If the client does not have the ability to confirm solvency or his credit history is retained, the contribution increases to 50%.

The product provides for the purchase of residential areas in a new building, the house can be both already built and still being built. The loan interest rate is from 10.4% per annum, but under the conditions of subsidization from the developer, it is possible to reduce the rate to 8.5%. Suggestions for a preferential rate are limited and clarified about the presence of the developer directly. And also the use of the electronic registration service can slightly reduce the interest rate.

You can submit an application for consideration on the bank's website. You can calculate the mortgage using credit CalculatorHe will help learn an approximate monthly payment and overpayment of the loan. Same mortgage calculator Let me know how the parameters will change depending on the contribution.

Purchase of finished housing in the secondary market

Terms of this mortgage loan implies a purchase not to the developer, but in the previous owner of housing - individual. Features:

The interest rate is from 10.75% per annum.

The minimum loan rate is established by the borrower submitting a statement as part of a program of assistance to young families, in other cases the rate is established individually.

For holders salary maps Bank provides special conditions.

Upon receipt of the mortgage, it is possible to attract several co-consignors to increase maximum amount. And there is also the possibility of approving the loan to the client without confirming income and employment, in this case the amount of the initial contribution during the Sberbank mortgage increases to 50% of the cost of housing. In other cases minimum contribution is 20%.

Mortgage for young families

The initial contribution begins from 20%, which is the necessary minimum, and reaches 50% for those who are not able to confirm their income. A young family having the possibility of using maternal capital can arrange a mortgage conditionally without the initial contribution: maternal capital means will be used, which will relieve the need to make personal funds.

This species Lending provides preferential conditions For young families. In this case, there is a preferential interest rate from 10.75% per annum. To submit an application for this type of loan, it is required to provide a marriage certificate and a child's birth certificate. If the family is not complete, then it is necessary to provide a document confirming the absence of a second parent. The object of the mortgage loan can be both the real estate of the primary market and secondary.

Acquisition of housing servicemen

The initial contribution is 20% of the cost of purchased real estate. This type of mortgage loan is provided in a preferential interest rate only to military personnel who are involved in the accumulative and mortgage housing system. The percentage of the loan is 10.9% per annum. Conditions allow you to purchase any real estate in the secondary market. The loan is issued without references confirming the income and solvency of the borrower. And also is not mandatory insurance Customer life and health.

Purchase of suburban real estate

Amount of contribution own means Upon receipt of the mortgage loan, will be 25% of the value of the purchased property. Mortgage lending is aimed at purchasing not only directly residential real estate, but also real estate facilities. These include cottages, country houses. In addition to direct acquisition, you can arrange a purchase job land plot and real estate construction. The interest rate in this case will be 11, 75% per annum.

Mortgage for construction

Among other things, the bank makes it possible to issue a loan for the construction of residential real estate. Is the initial contribution of mortgage in Sberbank to build a house? The contribution is necessary in any case, especially this concerns the question when the mortgage property does not yet exist and cannot act as collateral. In this situation, the loan amount is calculated, based on the cost of work and materials consistent with the company. Additionally, it is necessary to provide a plan for building and estimate for construction.

The fee is 25% of the cost of construction. Credit funds are issued in several stages, after the report for the spending of the previous party. The interest rate is also slightly higher than under normal accommodation conditions, and is 12.25% per annum.

Mortgage without making own funds

In some cases, there is a possibility to get a loan without making cash. These cases are single and considered individually. One option was already voiced and represents the use of maternal capital. Thanks to him, it is possible not to collect money for a part of the cost of real estate.

The next option will be the apartment, as the initial contribution of the Sberbank Mortgage. More precisely, additional properties are like an additional deposit and credit provision. Such an opportunity is considered in a special order when contacting the bank.

It turns out that in one form or another, the first contribution of the mortgage in Sberbank will have to enter.

The need to make an initial contribution primarily is due to the fact that the client indirectly confirms its solvency and seriousness of intentions, the liquidity of the collateral is increasing, the loan amount is reduced. In addition, the payment of payment reduces the interest rate on average by one percent, and the more the initial contribution, the less the credit rate may be.

Besides interest rate, Initial amounts of own funds reduce insurance. When making a mortgage, a prerequisite is insurance: human life and human health (recommended), as well as its property (always issued), is calculated from the amount credit fundsobtained by a borrower. Accordingly, the smaller the loan, the smaller the insurance.