We issue a mortgage loan for secondary housing at VTB 24

A roof over your head is a key condition for a decent human existence. But not everyone has the opportunity to buy a home right away.

In this article, we will tell you about one of the options for solving this problem, namely, about a mortgage from the second most reliable bank in Russia - VTB 24.

General conditions for obtaining a loan

In addition to the particular requirements for each of the mortgage programs (we will discuss them below), consider basic conditions conclusion of a mortgage agreement. We will have four of them.

Property Criteria

Before choosing a home that you would like to purchase, you need to remember that approve your choice to the bank.

The secondary real estate market may include apartments, houses, rooms, etc., which are currently owned by another owner.

It is subject to the following requirements:

Risk insurance

Insurance is divided into compulsory and voluntary.

The second type is also called complete (complex). So, in the first case, only the risks associated with the purchased apartment are insured.

IN full insurance includes three items:

Take into account that everything interest rates in tariffs indicated taking into account the registration of full insurance, but if you voluntarily refuse, then the loan rate increases by 1%. What will be more profitable for you must be considered in each case.

In this subsection, we also need choose an insurance company. It must be certified by the bank, that is, it must meet its requirements. The list of such insurance companies is available on the website, but if you decide to choose another organization, the bank has the right to check it within 14 days.

Grade

In order for you to get a mortgage loan, you will need to provide the desired real estate as collateral, which will serve as a guarantor of the conscientious fulfillment of your obligations to the bank.

It is to be evaluated. The process is carried out by a professional organization (individual entrepreneur). Similar to insurance, a professional appraiser must be approved by the bank.

At the end of the procedure, an appropriate report. One each for you, the bank and the appraiser (sole proprietor). From the moment it is drawn up to the moment the loan agreement is concluded, no more than six months should pass.

Consider possible additional costs

Before concluding a loan agreement, be prepared to spend out of your own pocket.

Money may need on the:

Do not rush to panic. The monetary losses listed above are not mandatory, it all depends on your resourcefulness and foresight.

You will find all the details in the section " General conditions for concluding a mortgage transaction» bank website.

Benefits of using

VTB 24 Bank is the second largest Russian bank in terms of financial power, therefore, it can afford to sacrifice maximum profit for the benefit of the client.

Let's list advantages:

In addition, when buying a secondary home with a mortgage, you do not spend money on repairs (perhaps even on furniture with appliances). You can immediately move into a new property without waiting for it to be completed and without the fear of being left on the street.

Calculation procedure

With the help of a visual table, we invite you to familiarize yourself with active mortgage products.

Please note that almost all mortgage products can be subject to the terms of the program "More meters - less rate" , that is, choose a living space of 65 m 2 or more, while receiving a 5% discount on the interest rate.

For a more accurate calculation, refer to the VTB 24 loan calculator.

Design rules

You can get a mortgage two ways: either send an application to the site, and then, at the invitation of the manager, come to the office, or immediately go to the bank

Regardless of the design scheme you choose, you will have to go to the office for registration documents. Below is a list of the essentials:

In VTB 24 you can use a loan product "Victory Over Formalities", which allows you to get a mortgage on two documents: a passport of a citizen of the Russian Federation and SNILS (TIN for representatives of law enforcement agencies), but the interest rate and the initial one will be relatively high.

To obtain "Mortgage for the military" will need:

• Application (questionnaire) of the borrower.
• Passport of a citizen of the Russian Federation.
• SNILS.
• Certificate of eligibility for a targeted housing loan.

In this section, we have reached the final point, namely, general list of documents for the property being acquired and the property being pledged:

• Passport of a citizen of the Russian Federation, the seller.
• Legal documents, namely:
  • state of ownership;
  • basis/acquisition agreement.
• /single housing document (if we pledge a dwelling).
• Estimated cost (report).

More information about the documents can be found in the section "Questionnaires and documents for a mortgage loan" on the bank's website. Once you are done with paperwork, 3-4 days of waiting and a long-awaited decision. All that remains for you is to choose a home and sign a contract.

Additional features

Mortgages can be obtained not only by hired workers, but also individual entrepreneurs(certificate of income in the form of 3-NDFL and an extract from the USRIP).

Registration at the place of obtaining a loan is not needed. According to the rules of the bank, it may not be at all.

If your income is not enough, then it does not matter. The bank may take into account total income you and any member of your family (most often a spouse).

Buying real estate in the city where you live and work is not a prerequisite for the bank. Moreover, it is more convenient for the bank if you apply with an application in your home city, and in fact you will be provided with a mortgage in another.

In order to choose an apartment, it is not necessary contact a realtor. You can do it yourself. Do not forget about the opportunity to choose housing from the collateral list of the bank.

Take out a mortgage no down payment None of the programs can.

If you can't handle your mortgage, the bank won't take your property right away. The bank will review your situation, provide you preferential payment regime until your situation improves.

Bring in down payment bank account is not required. You can pay the real estate seller in cash, and the bank will conduct a safe transaction. A safe deposit box or transfer of money through a letter of credit is available at your service.

On the provision of mortgage loans for the purchase of residential real estate in VTB 24 Bank, see the following video: