Minimum mortgage interest rate. Comparison of interest rates on mortgages in different banks. Interest rates on mortgages in Russian banks
Welcome! Today we will analyze the conditions of the mortgage in 2020. You will find out which are the most profitable terms just for you there is various banks. You will be able to compare your opportunities with the requirements of mortgage organizations, and also understand with which credit organizations it is not even worth starting a relationship in your case.
Mortgage for improvement living conditions assumes that citizens acquire an apartment or other real estate with the help of loan funds banking organization issued for a specified period. For the entire period of lending, the acquired or other object, suitable for the cost, is mortgaged into the property of the bank - these are the main conditions for obtaining a mortgage to ensure the fulfillment of obligations by the borrower.
In 2020, most credit institutions revised their credit policy and lowered the rate housing loans to make housing affordable for citizens. The main rates on loans have been reduced both for the purchase of housing under construction and ready-made housing.
A number of banks do not make a difference between the acquired objects, the conditions for granting a mortgage loan are the same for both newly built and ready-made apartments in apartment buildings. However, others credit organizations, on the contrary, they reduce interest rates specifically for the purchase of housing under construction or just built housing from accredited sellers.
This is due to the fact that the rate of buying an apartment on a mortgage from a developer is much higher than in the secondary market, because the borrower already has a specific loan object and he does not need to engage in a long search for an object, as in the secondary market.
The program ended in 2017 state support mortgage transactions, carried out jointly with leading credit institutions and providing favorable conditions for mortgages, but already in 2018 it was launched
However, leading banks without state support can guarantee the conditions mortgage lending and an interest rate commensurate with the one that existed with state support and even lower, since the flow of mortgage customers has increased, the number of transactions guarantees a stable income for credit institutions.
The development of innovations is also reflected in the conclusion of mortgage transactions, as Sberbank offers a 0.5% discount on electronic registration deals. A mortgage loan on more favorable terms can be issued for both primary and secondary housing.
This procedure will take 2-3 days and will help save time on registering a transaction in Rossreestr, and will also be beneficial for non-resident borrowers, as it will make the process of taking a mortgage remote.
To apply for a mortgage via electronic registration, after approval, you must contact a bank partner (developer or real estate agency) or Sberbank itself.
Financial experts agree that the abolition of the state mortgage support program has already been digested by the market. Banks have adapted to the new conditions and offer preferential terms buying an apartment in a new building in 2020.
How is a mortgage arranged?
The standard procedure for mortgage transactions is as follows:
- The borrower chooses the most convenient loan offer and bank;
- Housing is selected: secondary or from an accredited list of developers;
- An application is submitted to the bank for consideration of the possibility of a loan;
- Upon approval of the transaction - a list of documents for the loaned object is provided;
- There is a registration of transactions in Rosreestr, registration of insurance and the final payment of credit funds to banks for the purchase of housing.
Mortgage repayment
Planned occurs monthly annuity (equal) or differentiated payments (with a gradual decrease in the amount). The overpayment for the second type of payments is significantly less, but not all banks approve of this option.
Perhaps both partial and complete. There should be no fines, restrictions and commissions - this is illegal. Delay in making monthly payments for more than 3-6 months can achieve a trial, imposition of fines, withdrawal of the object from the property of the borrower and sale of the apartment at auction.
If you need legal support, please contact free consultation to our lawyer in a special form. We will quickly help to resolve all disputes with the bank.
Government support programs
Since 2017, the state no longer provides a reduction credit rate, however, there are other preferential conditions for obtaining a mortgage:
- With the use of maternity capital accrued by the Pension Fund at the birth of a second child;
- Military mortgage - for persons participating in the funded military system;
- Mortgage for a young family - for couples, or single parents, provided they are on the list for improving housing conditions;
- Social mortgage - for persons engaged in certain activities (doctors, teachers, etc.), or living in certain conditions (the Far North zone);
- Mortgage restructuring - writing off up to 30% of debt in banks to certain categories of citizens.
In 2020, it was reviewed by us earlier. Be sure to read this article to find out what government benefits you may qualify for.
Calculation and where to get
You can independently calculate the mortgage right on our website. Use our . He will let you know monthly payment with an annuity and differentiated payment, what income is needed for the right amount how much you will overpay, how the schedule and overpayment will change when early repayment and at early cancellation maternity capital mortgages.
The calculator is very functional and will allow you to quickly calculate the desired option. From this post, you can take percentages and then plug them into the calculator and compare what conditions in different banks in more suitable.
Also, the service "" works right on our website. With it, you can send a mortgage application to all banks at once and quickly get a decision with a partner discount at a rate of 1%.
We are waiting for your questions and suggestions in the comments. We will be grateful for the rating of the post and likes on social networks.
Greetings! In this post, on a regular basis, we will write at what percentage they give a mortgage in a savings bank. There are a huge number of articles on mortgages, but lending programs change, interest rates change, and so on. Let's look at what the mortgage rate is at Sberbank today and a number of other questions within the framework of our today's topic.
We will begin our educational program with secondary market. Rates on finished housing Let us remind you that the apartment must be free from encumbrance, in other words, not to be pledged, under arrest, from the rights of third parties, etc.
For secondary housing, the mortgage rate at Sberbank is now:
From 08/06/2019, there was a reduction in rates for all programs. It also operates, which allows you to reduce the interest on the mortgage even more.
Another interesting amendment: if the house in which you have chosen an apartment was built with the participation of Sberbank loan funds, then there will be no increase in interest by half a percent, even if you do not receive a salary from the Bank.
- For 2 documents, the rate will be increased in order to protect yourself to the maximum, the contribution in this case will be at least 50%.
Interest will increase if:
- +1% - in case of refusal of life insurance;
- + 0.8% - when applying for a mortgage under two documents.
Interest will be reduced if:
- By 0.5% - if there is a Sberbank salary card;
- By 0.3 - if the apartment is decorated under the "Showcase" promotion;
- By 0.2 - if the first installment is less than 20%;
- By 0.4% - for promotions for young families.
The minimum amount that you can count on secondary housing is 300,000 rubles, and the maximum should not exceed 80% of the value of the collateral.
The mortgage rate for ready-made housing has also been reduced if an apartment is purchased through the DomClick website of Sberbank. The discount is 0.3% of the current rate.
To the construction site
Interest | Bid, % | Allowances |
---|---|---|
Base rates | 8,7 | + 0.3% if PV is from 15-20%; |
Subsidized rates for up to 7 years | 6,5 | + 0.3% if PV is from 15-20%; +1% when canceling insurance; + 0.5% if you don't have salary card Sberbank; + 0.3% if the mortgage is based on two documents. |
Subsidized rates for a period of 7 years 1 month. up to 12 years old. | 7,2 | + 0.3% if PV is from 15-20%; +1% when canceling insurance; + 0.5% if you do not have a salary Sberbank cards; + 0.3% if the mortgage is based on two documents. |
Subsidized rates for a period of 12 years 1 month. up to 30 years old. | 7,7 | + 0.3% if PV is from 15-20%; +1% when canceling insurance; + 0.5% if you do not have a Sberbank salary card; + 0.3% if the mortgage is based on two documents. |
Until the end of the year, a promotion is valid for a new building, the main requirement of which is the purchase of an apartment from a seller accredited by the Bank ( legal entity). As part of the promotion, a reduced interest rate awaits you.
Well, if you use it by the end of this year, i.e. take ownership of mortgage apartment in the Bank, and you conclude a DDU with the Developer, and then the Bank takes care of all the registration, you will only be needed to pick up the documents on ownership. Agree, a very convenient service for our busy lives and employment at work.
Another short-term promotion is in effect today at the Bank, it also runs until the end of the year inclusive, and it consists in the fact that the Bank reduces the interest on subsidizing the Developers program. You can find the list of Developers on the Sberbank website, it is published in all regions of Russia.
In the event that your selected apartment does not qualify for this promotion, then you will need to find a Guarantor such that his income can cover your monthly mortgage payment. In general, the solvency of your Guarantor must be the same as yours. As soon as you formalize the ownership of yourself, the Guarantor can be withdrawn.
The amount available for you here will be from 300 thousand rubles and up to 85% of the value of the pledge.
For mortgages on new buildings, the down payment today is the smallest, compared to other programs and 15%.
For building a house
The interest here is slightly higher than for apartments, but this is understandable, because this is easily explained by the fact that apartments have higher liquidity in the real estate market. The bank covers the risks of the loan with increased interest, and they will amount to 9.7%.
The amount you can count on will also be from 300 thousand and up to 75% of the collateral value, the initial payment will have to be made at least 25%. But here, too, there are standard conditions that increase the rate: + 1% - if life insurance is refused; + 1% - if you pledge other property, then before registering a mortgage with Rosreestr, after registration, this percentage will be removed. But do not confuse a mortgage for the construction of a residential building with a mortgage for suburban real estate Let's get to it and move on.
The 0.5% discount for salary employees remains.
country estate
Here you can buy or build not only a cottage, garden house etc., but also buy land plot, on which in the future you will be able to build a summer house and a garden with a vegetable garden. Here you will need to make a minimum contribution of 25%, and the available amount will be over 300 thousand rubles and no more than 75% of the deposit.
Interest on a loan for suburban real estate is quite acceptable and ranges from 9.2%. Well, and the notorious surcharges: + 1% - all with the same lack of life and health insurance; + 1% - if you provide a pledge, then this percentage is before registering a mortgage. Plus 0.5% if there is income from the employer credited to the Sberbank card.
Mortgage + maternity capital
Do you have maternity capital and do you want to use its funds for housing?
It’s not a question, it’s your right, but to take a mortgage specifically for maternity capital, i.e. use it as down payment or part of it, you can only when buying a finished home or a new building. But you have the right to partially or completely repay an existing mortgage loan with maternity capital under any program. And again, we remind you that the decision to transfer funds for mat capital is made within two months, so you need to worry about it in advance.
Detailed in a dedicated post.
military mortgage
The main mortgage conditions of this program are to be in the military, participate in the savings mortgage system and have the right to receive a targeted housing loan on the basis of federal law dated 20.08.2004 No. 117-FZ. Let's now decipher these tricky legal terms.
According to the above Law, any serviceman after three years of participation in the accumulative mortgage system without waiting for the end of service. Here it is possible to buy not only finished housing, but also under construction. The true amount military mortgage for finished housing is limited to 2,629,000 rubles and maximum term, for which you can take a loan - 20 years. But the interest rate here is quite attractive and amounts to 8.8%.
For housing under construction, the interest is the same as for a military mortgage for a secondary housing, the conditions are also the same, the difference is that before handing over the house and registration of ownership, you will have to issue an assignment of rights, which means that the rights of the participant’s claim shared construction will be pledged.
pivot table
Let's summarize and analyze all of the above, and put the results into a summary table, so that it is more convenient for you to see what percentage of the mortgage in Sberbank and under what program it operates today. The data in the table is based on what you get wages to the account of Sberbank and agree to insure their life and health.
Programs | Maximum amount, thousand rubles | Bid, % | Term, years | Down payment | Note |
---|---|---|---|---|---|
Finished housing | 15 000 | 8,9 | 30 | 15 | +0.3% if HP is from 15-20%, + 1% in case of cancellation of insurance; +0.8% on mortgages for two documents: + 0.3% if you refuse to buy an apartment through the domclick website; Promotion young family - base rate 8.5% |
Construction | up to 85% of the property value | 8,7 | 30 | 15 | +0.3% if HP is from 15-20%, + 0.5% if there is no Sberbank salary card, + 1% in case of cancellation of insurance; +0.3% on mortgages for two documents: |
Residential building construction | up to 75% of the value of the deposit | 9,7 | 30 | 25 | |
country estate | up to 75% of the value of the deposit | 9,2 | 30 | 25 | +0.5% if the borrower does not receive a salary on a Sberbank card; +1% in the absence of a life insurance policy; +1% if the mortgage is issued after registration of real estate in the bodies of Rosreestr |
military mortgage | 2 629 | 8,8 | 20 | 20 | |
Non-targeted loan secured by real estate | up to 60% of the cost | 11,3 | 20 | + 0.5% - if not a salaryman; + 1% - in case of cancellation of life insurance. |
|
Mortgage for garage and parking space | 9,7 | 30 | 25 | + 0.5% if not a salary project, + 1% if insurance is cancelled. | |
Family mortgage | up to 6 million in the regions and up to 12 million in Moscow, Moscow Region, St. Petersburg and Leningrad Region. | 5 | 30 | 20 | |
Mortgage refinancing | 9 | 30 | |||
Campaign "Turnkey house" | up to 8,000,000 ₽ for properties in Moscow and the Moscow region up to 5,000,000 ₽ for objects in the Lipetsk region | 10,9 | 30 | 20 | Before registering a mortgage, the rate is 12.9% |
So, we have reviewed the mortgage rates for today at Sberbank, and they are very attractive. We will be glad if our information is useful to you. Therefore, consider, compare, choose and make the only right decision for you. You can calculate the interest rate on a mortgage at Sberbank yourself, use our
Are you wondering where is the best place to do it? And each potential borrower has his own view on the mortgage, some want to pay small interest, others need the possibility of long-term lending. To determine the greatest benefit, a thorough study of the mortgage agreement is necessary.
On the this moment each credit organization of the capital is trying to create attractive conditions for the mortgage of citizens. If you wish to apply for a loan reliable bank, we offer a partial list of the following organizations:
- Bank opening
- Alfa Bank
- Sberbank of Russia
- VTB 24
- Tinkoff
There are many factors that affect correctness. First of all, you need:
- Decide on the purpose of contacting creditors. Almost all banks have loyalty programs for the purchase of new buildings and secondary housing.
- Browse the websites of Moscow banks, read the terms of the mortgage in each of them
- Pay attention to interest rates, the lower they are, the more favorable the loan terms, and your overpayment is less
- Remember that not only the interest rate will become your overpayment for housing. Factors such as insurance and real estate appraisals can be included in your expenses.
- Some banks may impose and personal insurance. After considering this offer well, you can tactfully refuse it.
What to Consider When Choosing a Bank for a Mortgage Loan
Particular attention when choosing a bank should be given to:
- Interest rate
- The amount of the pre-payment and whether the bank has programs
- The term of the contract. The longer the mortgage term, the lower the monthly payment
- The amount of any additional costs. Especially the lease safe deposit box and one-time fees
Negotiate the terms early closure loan, how to do it without commissions and a moratorium. Specify how you can attract maternity capital to pay off the mortgage and use government subsidies.
It is profitable to take a mortgage in Moscow - a young family
How profitable - the most needy contingent among Russians? Many banks use preferential programs to attract loans to young families. For example, banks such as Sberbank of Russia offer borrowers under the age of 35 a minimum rate with a small down payment. For your information, this program has nothing to do with the state and is relevant only for this bank.
Also, some banks introduced programs social mortgage. State federal mortgage program for young families "Housing" is designed for young families who are on the waiting list to improve their living conditions. The state can pay up to 30% of full cost apartments, and with the birth of two children and up to 40%.
Citizens who do not have registration in Moscow according to the Constitution of the Russian Federation have equal rights, wherever they are. But in reality, the situation looks a little different.
For people who, but have a registration in another Russian city, a very important point is the presence of a bank branch in your region. In such a situation, capital banks are easier to meet borrowers and issue mortgage loans without any problems. Many credit organizations do not see any obstacles in issuing funds to Russians with the registration of another city, if only it were at all. The reason for their refusal to citizens without registration, some banks justify the huge risks associated with unreliability and the inability to verify the borrower's income.
The desire of every borrower is to get a mortgage on the most favorable terms. How to choose a mortgage in Moscow with a favorable interest rate and repay the loan without any problems in the future? Basically, the lowest rate is on the safest loans. Before allocating a loan to a person, banks analyze his financial capabilities and mortgage real estate. An apartment or other housing will become a guarantee for creditors.
Particularly favorable lending conditions will be when making own funds borrower. The higher the percentage of the cost of housing paid by the buyer, the lower the interest rate on the mortgage. Also, small interest is paid by those who purchase apartments from partners of the creditor bank.
Many banks or other credit organizations issue mortgages to citizens. Where is it more profitable to take such in Moscow for the purchase of real estate? To make this determination, you need to do the following:
- Choose a few banks whose terms you are most interested in
- Discuss with them all the nuances of the mortgage
- Choose the most suitable for you
- Try to choose payroll banks, that is, those where it is not required to provide salary certificates and other documents. Applications are processed faster, interest rates may be lower
- Find those banks that have special programs, promotions, etc.
Mortgage registration, where it is more profitable to take a loan in Moscow, important point requiring a responsible approach. A mortgage is taken for more than one year, on what conditions and in which bank - it's up to you. As the saying goes, whoever seeks always finds!
Chistye Prudy will be happy to help you arrange a mortgage on the most favorable terms for you. We cooperate with many lending banks and can recommend you as decent and solvent borrowers. will help you buy an apartment in Moscow or the Moscow region with a mortgage. We are waiting and wish you to become new settlers as soon as possible!
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No one is surprised to buy an apartment on credit. For job seekers, here are the ideal conditions for a mortgage on housing - the most low interest 2019, optimal lending period, lifting down payment.
Cheap mortgages - myth or reality?
How to get a mortgage at a minimum interest
The minimum mortgage interest rate declared by lending organizations is the base one. The final cost of a loan is influenced by many factors determined by banks independently. Lenders report on some features of the methodology for calculating the loan price on their websites, some of this information is not available to the public.
Today, banks are increasingly turning to a scoring system for assessing a potential borrower, which reflects, first of all, its credit history. Personal score can be clarified in the BCI. 1 request per year is processed free of charge. However, when making a decision on determining the cost of a loan, many factors are evaluated in each specific case.
Factors that determine the interest rate on a mortgage
Most often, the interest rate increases if:
- provided only 2 documents;
- the age of the applicant is close to the minimum or maximum marks;
- there are existing loans;
- solvency is minimal;
- only real estate insurance is issued;
- the down payment corresponds to the lower acceptable limit.
The lowest mortgage rate is set under the following conditions:
- the borrower has official earnings sufficient to pay for the loan and support the family, the length of service satisfies the requirements of the lender;
- income is transferred to an account opened with a creditor bank;
- age - within 25-45 years;
- there is a permanent registration;
- credit history is not satisfactory;
- all required types of insurance protection are issued;
- high-quality real estate in a new building of a large area is purchased from a bank partner;
- over 50% of the cost is provided by personal savings.
Mortgage programs with state support
The following mortgage programs enjoy state support in 2019:
- "Maternal capital";
The above initiatives are supported by many participants in the mortgage lending market, for example, DOM.RF (AHML), Sberbank, VTB24.
Which bank has the best mortgage
The search for a bank with the lowest mortgage interest should start with where you get your salary: many lenders are more loyal to those clients who have already been verified by the employer and know the exact amount of income.
It makes sense to look for information about existing preferential programs, including regional and local ones, and organizations working with them. Developers sometimes also offer preferences: for mortgage lenders, they either reduce the cost of 1 square meter, or, by agreement with the lender, the price of the loan.
The lowest interest rates are offered by banks from the top 10, but they also make serious demands on customers.
The lowest mortgage interest in the world
Most small percentage on mortgage loans provide in:
- Japan - 1.68%;
- Switzerland - 1.75%;
- Finland - 1.83%;
- Germany - 1.9%;
- Luxembourg - 2%.
However, the cost of housing also affects the availability of mortgages. The price of 1 sq.m of economy class on average in these countries is equal to:
- Japan - 276,977 rubles;
- Switzerland - 529,709 rubles;
- Finland - 188,663 rubles;
- Germany - 179,721 rubles;
- Luxembourg - 342,250 rubles.
You should also take into account the average monthly income of citizens:
- Japan - 156,946 rubles;
- Switzerland - 341,209 rubles;
- Finland - 154,125 rubles;
- Germany - 152,211 rubles;
- Luxembourg - 239,650 rubles.
Reference: in Russia average earnings in 2018 amounted to 36,857 rubles, and the price of 1 sq.m ranges from 227,892 rubles in Moscow to 15,098 rubles in the Sverdlovsk region.
Mortgage interest at Sberbank
Looking at banks low rates on a mortgage, you can not lose sight of Sberbank. Using the offer "Mortgage for new buildings", applicants can get a loan for just 8,5% .
- contract amount - from 300 000 rubles;
- own funds from 15% ;
- money is also given for the purchase of apartments;
- deadline - up to 30 years (up to 12 years, if you participate in a special program from the developer);
- Sberbank cooperates with applicants aged 21-75.
If the applicant plans to apply for a mortgage on 2 documents, the base rate will increase by a percentage, at least 50% of own funds will be required.
The downsides are that minimum bid available:
- to buy out a new building only from an accredited developer;
- with the duration of the mortgage within 7 years. If the term 7 years 1 day - 12 years, then the base rate increases to 9% . When lending for more than long term rate is based on 10,5% ;
- when making a deal remotely through a specialized service. This service costs 2,000 rubles;
- the required length of service at the current place of work is from 6 months, but the total length of service is at least 1 year over the past 5 years.
What loan amount can I expect?
The bank always approves maximum amount, which can be issued to the borrower and co-borrowers specified in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.
I was denied a loan. Why? What to do?
The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.
If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.
How to increase the chances of obtaining a mortgage with a small official salary?
For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.
I am an aged person, will they give me a mortgage?
You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.
If I receive a salary on a Sberbank card?
Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.
· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.
· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income certificate and a copy of the work book.
How can I find out the overpayment on my future loan?
You can see the amount of the overpayment by registering with personal account . After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.
Is it profitable to buy a borrower's life and health insurance policy?
Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.
Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the onset insured event(disability or death).
I am a citizen of another country, can I get a mortgage?
Mortgages in Sberbank are issued only to citizens of Russia.
Who can be a co-borrower?
Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.
For example, to increase your chances of getting greater amount upon approval, you can attract co-borrowers - participants salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.How to use maternity capital in favor of a mortgage?
You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. By minimum size We recommend using the DomClick calculator for the down payment.
When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving Money maternity capital, since this amount is transferred from Pension Fund not right away.
Also, maternity capital funds can be used for early repayment of an existing loan.What kind additional expenses will be when applying for a mortgage?
Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:
· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);
· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;
· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;
· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration istrations (is additional service and paid separately)
· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .
The cost of services is approximate. Check the exact cost on the websites of the respective services.
Which is better: new building or resale?
As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.
Nobody lived in the new building before you, the price is for square meter smaller than an apartment of the same class in the secondary housing, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents move in, most likely, you will have to wait for infrastructure development and completion of repairs at the neighbors.
As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.
What is the processing time for a loan application?
Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
How is the process of obtaining a mortgage at Sberbank through DomClick?
Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.
However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach Required documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
If you have not yet picked up a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.
When the property is selected, upload the necessary documents in the DomClick office.
Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.
The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!
Why register on DomClick?
After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.
How do I find out the decision of the bank?
Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.