Mortgage for secondary housing from raiffeisenbank v. Mortgage for secondary housing in Raiffeisenbank Raiffeisenbank loan mortgage

Today, many individuals and legal entities do not want to cooperate with those banks whose capital is wholly located in Russia. Therefore, banking organizations with foreign capital are becoming more and more relevant in the market. The largest such institution is Raiffeisenbank, which begins its history in Austria (in contrast to the one that “grew up” in Russia).

Now, favorable conditions are offered here with not the highest interest rates on mortgage loans, which can be taken on many types of real estate. The official website of Raiffeisenbank positions the interest rate at 11.5% per annum. Such conditions in other banks can only be counted on if the real estate is purchased by the borrower under a program with state support.

Mortgage in Raiffeisenbank conditions in 2018

The main conditions for a mortgage should be analyzed according to a program designed for the acquisition of real estate in new buildings. Raiffeisenbank's list includes more than a thousand new buildings that have been accredited and made available for purchase under the terms of a mortgage loan. The amount that residents of Moscow and the region can count on is 800 thousand - 26 million rubles.

For other regions, the lower limit of the amount is changed - 500 thousand. Payments are calculated based on an interest rate of 11% per annum. The minimum down payment is 10%. Loan term - from 1 to 25 years.

Interest rates on mortgage loans in Raiffeisenbank

Raiffeisenbank mortgage interest rate 2018 - from 11 to 11.5%. Only the minimum interest rate is indicated here. It all depends on the specific mortgage loan program. In total, Raiffeisenbank has more than five different mortgage programs with different conditions. Also, there are always special offers. Today, the following two special offers are relevant:

• Easy start (when purchasing an apartment on a mortgage in certain new buildings, for the first year you will make payments in accordance with an interest rate of 8.5%).
• Mortgage on two documents (for salary clients, the procedure requires only a passport and SNILS).

Let's give an example of several programs with corresponding favorable conditions:

• Real estate secured by existing housing: term - from 1 to 25 years, interest rate - 11.5%, maximum amount - 26 million rubles, entry fee is not required;
• Mortgage with mat capital: term - from 1 to 25 years, interest rate - from 11%, maximum amount - 26 million rubles, entry fee - from 0%;
• An apartment in a new building: term - from 1 to 25 years, interest rate - from 11%, maximum amount - 26 million rubles, entry fee - from 10%.

The specified conditions for a mortgage loan for real estate are marginal. In practice, the same interest rate is higher.

Mortgage for payroll clients of Raiffeisenbank

Salary clients can take advantage of several benefits at once, provided specifically for them. Firstly, the holders of salary cards in practice can receive a lower interest rate. The declared 11-11.5% are available, as a rule, only for this category of borrowers.

All others receive the amount of monthly payments based on an interest rate of at least 13-14%. The requirements for this loan are also softer. You can get a mortgage loan with just two documents. To receive it, the client will only need to come with a passport and SNILS.

Raiffeisenbank mortgage with state support

State support is the most profitable opportunity to obtain a soft loan for real estate in all of Russia. For example, when calculating the monthly payment on a calculator, you will need to enter a fixed percentage - 11.5% (11% - for certain new buildings). Moreover, this figure is the same for all potential borrowers eligible for state support.

Raiffeisenbank secondary housing mortgage

A mortgage in this bank can be taken not only for real estate in a new building, but also for secondary housing. The conditions for secondary housing and the corresponding monthly payments do not differ. 11.5% is an affordable option for a large number of borrowers with a good credit history. You can get this money for a targeted loan in the amount of 500,000 - 26,000,000 rubles. The loan is repaid in equal monthly installments.

Raiffeisenbank mortgage calculator

You can calculate the mortgage of Raiffeisenbank on the official website of the institution in the special service Mortgage Calculator. We will calculate the loan for the case with a mortgage agreement for secondary housing. Let's say you took 4 million rubles and immediately contributed 1 million rubles. The loan term was 10 years. For residents of Moscow, under the program of a loan for real estate on the secondary market, it will be necessary to make a monthly payment of 56 thousand rubles. In terms of interest, the amount of payments will be about 2.7 million rubles.

All mortgage clients I work with know that my loyalty to banks is limited only by convenience, reliability and profitable mortgage programs. About ten years ago, the bank I will be talking about was one of the most disliked banks among realtors. Strict requirements for borrowers, apartments and documents made the possibility of completing a mortgage transaction very vague. But times go by and the die-hard Austrian bank, having brought its mortgage programs to Russian realities, has become one of the "top" and exemplary mortgage banks in Russia. I present to you Raiffeisenbank!

In 2017, I conducted five mortgage transactions at Raiffeisenbank, completed my training at the Bank's Mortgage Academy and received the status of a Raiffeisenbank Partner. Therefore, I received all the information empirically and from the original source. As I said before, Raiffeisenbank is an Austrian bank. Therefore, all strategic decisions are made in Austria. Well, age-old banking professionalism and reputation are always good things. Especially given the frequent closures of banks by the Central Bank of Russia.

I want to say right away that I am considering Raiffeisenbank, only in terms of mortgages. All other types of bank services are unknown to me and are not interesting in the context of my work. Before talking about the advantages of mortgage transactions, it is worth noting and minuses... So far I have seen two:

• The bank does not provide mortgage loans for land plots and private houses;
• The minimum down payment is 15%;
• If you applied for a mortgage before contacting me, you will not receive a preferential affiliate interest rate - 10.74%.

Now about pluses.

• The entire document flow for the planned transaction is carried out in electronic form.
• The bank manager who prepares and maintains the transaction is constantly available by mobile phone. In many other banks, communication with managers goes through the call center or only through e-mail, which greatly complicates the process.
• The purchase and sale transaction can be carried out with a power of attorney from the Seller.
• Men under 28 do not need to provide a military ID.
• When applying for a mortgage, the minimum work experience is 3 months. In many banks - 6 months.
• Attention: if, as a confirmation of income, you provide a certificate in the form of a bank (and not a certificate of 2-NDFL), the interest rate does not increase!
• When calculating the solvency of the Borrower, the bank does not take into account dependents.
• Very convenient Mortgage centers. Well-equipped meeting rooms and a bank-based transaction registration service.
• Possibility of using a Letter of Credit. Including for non-mortgage transactions under partner programs.

Let's talk about mortgage conditions in Raiffeisenbank.

As I already wrote, the minimum down payment for secondary housing in Moscow is 15% and for buying an apartment in the Moscow region - 20%. The amount of the initial payment can include maternity capital. The minimum lending rate for mortgages today is 10.99%, and in practice, it is quite possible to get such a rate. If you turn to me to submit an initial application for a mortgage, then the bank gives my clients under the affiliate program 10.74%. This lending rate will not change even if you could not confirm your income on the 2-NDFL certificate. The minimum amount issued by Raiffeisenbank for mortgage programs is 800,000 rubles, and the maximum amount is 26,000,000 rubles. The bank issues a loan for a period of one to twenty five years.

Documents required for obtaining a mortgage loan:

• Application - questionnaire.
• A copy of the passport of a citizen of the Russian Federation and a copy of the spouse's passport.
• Copy of marriage or divorce certificate.
• A copy of the work book.
• Certificate of income (in the form of 2-NDFL or in the form of a bank).
• SNILS.

The term for consideration of the application usually takes from two to five days. In rare cases, the bank may request additional documents. For salary clients, the processing time is faster and the list of documents is shorter.

Requirements that Raiffeisenbank imposes on the Borrower:

• The borrower must be at least 21 years old and not more than 65 years old at the end of mortgage payments.
• The borrower must be employed on a permanent basis, while the minimum work experience must be at least three months with a total work experience of at least two years, six months with a work experience of at least a year and at least one year if the first place of work.

Documents that are submitted to Raiffeisenbank for the approval of the loan object:

• Real estate appraisal report. As you can imagine, the bank needs to know the real value of the loaned object.
• Copies of title documents for the apartment.
• Copies of BTI documents (now it is an explication and a floor plan).
• Extract from the USRN.
• EZhD or an extract from the house book.
• Copy of the seller's passport.
• SNILS of the seller.

Mortgages for the "secondary housing" are characterized primarily by the presence of the acquired object of history, which is sometimes calculated in decades. Raiffeisenbank, like other credit institutions, carefully studies this story, putting forward requirements and restrictions on collateral.

In particular, the bank may refuse a loan for a house that is too old to be built, even if it is not recognized as emergency and is actively used. The reason for the refusal may be the presence of risks of challenging the transaction in the future - the doubtfulness of previous transactions, someone's unaccounted interests and other similar factors. However, if the housing is not "clean", such a bank policy will be more beneficial to the buyer.

The purchase of an apartment on the secondary market is in great demand, since the cost of such housing is lower in comparison with the primary market. But not every bank can offer suitable mortgage conditions for secondary real estate.

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As a rule, increased banking risks are compensated by an increased interest rate. Against this background, mortgage conditions for secondary housing from "Raiffeisenbank" allow you to find your own housing with maximum benefit.

Terms of provision

Raiffeisenbank offers its clients various types of mortgage loans. Each of them has its own characteristics.

Lending conditions depend on various factors - the status of the client, the type of the selected property, the region of residence, the size of the initial payment, and others.

General mortgage conditions can be depicted as follows:

• the length of the credit period - up to 25 years;
• loan currency - Russian rubles;
• there are no commissions for the analysis of the application and the provision of a loan;
• interest rate - 11.9 ±%;
• maximum loan amount - up to 85% of the market price of the mortgage object;
• loan amount in monetary terms - up to 26,000,000 rubles, from 800,000 rubles for Moscow and the region, from 500,000 rubles for other regions;
• loan repayment - in equal monthly payments;
• penalties - late payment is accompanied by the accrual of a penalty in the amount of 0.06% of the overdue amount for every day of delay;
• collateral for a loan is a pledge of the acquired real estate.

The interest rate of mortgage on secondary housing in "Raiffeisenbank"

Raiffeisenbank offers its clients several types of mortgages, which allows them to choose the most suitable terms.

Depending on the chosen program, the average interest rate is determined:

The value of the interest rate also largely depends on the amount of the down payment. The average rate is as follows if the down payment is equal to:

Affects the rate and status of the client. For a borrower who has used the services of Raiffeisenbank for the first time, the rate is slightly higher. At the same time, regular and salary clients are offered a more favorable rate.

How to get the

The entire process of obtaining a mortgage for secondary housing in Raiffeisenbank can be divided into 5 stages:

1. Filing an application.
2. Waiting for a decision.
3. Search for a mortgage object and its approval.
4. Preparing for the deal.
5. Mortgage registration.

Initially, as in any bank, an application for a loan is submitted. All the necessary documents are attached to it, allowing you to assess the level of solvency of a potential client.

At the same time, before submitting an application, you can get detailed advice by contacting the bank in person or by calling the support service.

The manager will announce a list of all the necessary documents, if necessary, explain the nuances of lending. You can also apply online. In this case, scans of documents can be sent by e-mail to the consultant manager.

The mortgage application is considered within 2-3 days. It may be necessary to clarify certain nuances, for which the attached manager will contact the borrower.

In the process of considering the application, the terms of lending may change, in contrast to those declared by the client. Sometimes the bank cannot issue a loan on the terms that the borrower stated. At the same time, a lending program is proposed, which can be approved.

That is, the amount of the initial payment, the duration of the loan, the amount of the loan, etc. may change. As soon as the application receives approval, the manager will immediately inform the client about this at the specified contacts.

Within 3 months after the approval of the application, the client must find a suitable housing option. Exceeding the term leads to the cancellation of the approved application and you will have to go through the loan approval process again.

Having chosen an object, you need to collect the necessary documents for it and provide them to the bank. Within 3 days, bank analysts will assess the housing and give their decision.

Immediately after the approval of the selected housing, the date of the transaction is set. At this stage, the client is required to familiarize himself with all loan documentation, forthcoming expenses and a complete list of documents. The borrower is assisted in this by a Raiffeisenbank specialist.

On the day of the transaction, the borrower arrives at the designated bank branch to sign the mortgage agreement. At the same time, an insurance contract is concluded.

On the same day, money is withdrawn from the account and deposited in the depository. To pay for mortgage housing, the client only needs to register ownership and collateral in favor of the bank.

The documents

Registration of a mortgage in Raiffeisenbank for the purchase of housing in the secondary market is accompanied by the provision of the following documents:

• for a loan;
• passport (original and copy);
• SNILS;

• marriage / divorce certificate;

• certificate of change of personal data;
• prenuptial agreement (if any, in the case of involving a spouse as a co-borrower);

• work book or employment contract;
• documents confirming income of an official nature (certificate, certificate in the form of a bank, other documents).

If maternity capital is used when applying for a mortgage, then it is necessary to provide a certificate and an extract from the Pension Fund of the Russian Federation about the amount of maternity capital funds.

When the borrower is the owner or co-owner of the business, then the package of documents includes:

• extract from the Unified State Register of Legal Entities or EGRIP;

• Charter (if the business is owned by an LLC);

• extract from the register of shareholders (JSC);
• certificate of state registration as a legal entity;

• bank statement on monthly account turnover for the last 6 months;
• title documents for premises used in business;
• contracts with major suppliers and buyers;
• financial statements.

For the selected real estate object, a standard package of documents is provided, including title documentation.

The Bank reserves the right to request additional documents if the provided documentation does not allow making a final decision.

Borrower requirements

A potential mortgage client of Raiffeisenbank is a person who meets the following requirements:

• age category - from 21 to 65 years of age at the time of completion of payments, subject to comprehensive insurance, or up to 60 years of age at the date of the last payment if life and health insurance is canceled;
• citizenship - any. The foreigner must have a permit or residence permit, as well as have official employment with a stable, confirmed income;
• actual place of residence and work - within the administrative limits of the presence of the creditor bank;
• registration - permanent on the territory of the Russian Federation or temporary in the region where the bank is located;
• work experience - from 1 year in the case of the first employment, from 6 months with a total length of service of more than 1 year and from 3 months with a length of service of more than 2 years. For businessmen, the term of doing business must exceed 3 years;
• contact phone - stationary worker, home and / or mobile;
• the minimum amount of income - from 20,000 rubles after taxes for Moscow, St. Petersburg and some large cities, from 15,000 rubles for all other regions;
• lack of negative credit history;
• availability of valid loans - no more than 2 mortgage loans, taking into account the approved one (both in Raiffeisenbank and in other institutions). If there are other loans in the amount of 100,000 rubles or more, issued less than 3 months ago, their full early repayment may be required.

A co-borrower for a mortgage for secondary housing from Raiffeisenbank may be:

• official spouse;
• common-law spouse (subject to heterosexuality and the absence of a registered official marriage);
• close relatives (parents, brothers / sisters, children).

Co-borrower requirements:

• age from 18 to 70 years on the date of full repayment of the mortgage;
• citizenship - any;
• employment - officially confirmed;
• minimum income - 10,000 rubles;
• no bad credit history.

Requirements for collateral

A mortgage object pledged to a bank must meet the following general requirements:

• property right registered in accordance with the established procedure;
• lack of use of real estate under a lease or lease agreement;
• no encumbrance or seizure;
• real estate should not belong to close relatives.

As for the characteristics of the housing itself, an object is approved as a mortgage object:

• with the presence of a separate kitchen and bathroom;
• connected to all necessary communications (electricity, water supply, heating, etc.);
• with serviceable plumbing equipment;
• with the normal condition of doors, windows and roof.

Depending on the location of the property, there may be requirements regarding the date of construction of the property.

The remoteness of the object from the place of the bank's presence is also important. An obligatory requirement is an acceptable state of the object - a dilapidated or emergency state is categorically unacceptable.

Full loan cost

The Raiffeisenbank mortgage calculator allows you to calculate the mortgage amount for individuals according to data for 2019. If you want to choose the most advantageous mortgage offer, buy an apartment in a new building or other residential real estate with a minimum overpayment, then be sure to use a calculator.

Raiffeisenbank is a well-developed bank that occupies a leading position in the financial sector of the Russian Federation. Key areas of activity - consumer lending, corporate account service, mortgage lending, attracting deposits from individuals. Low interest rates on mortgages make this bank popular among borrowers who want to buy their own home.

Today Raiffeisenbank offers 5 mortgage lending programs.

The purchase of a mortgage property is a very serious step for every family, as it is necessary to commit to a monthly payment of the debt. The size of these payments will depend on how competently you calculate the mortgage and how to choose the right mortgage program (at what interest rate, for how many years).

Our online Raiffeisenbank mortgage calculator will automatically help you determine:

• Maximum mortgage loan
• Monthly payments
• The amount of interest accrued on the mortgage for each month
• Total overpayment in monetary terms
• Total overpayment in percentage
• The total amount of mortgage payments for the entire period
• Early repayment option

Using this information, you can get a complete picture of the selected mortgage program, assess your ability to repay a loan and pay off debt payments, make a decision on the advisability of obtaining a mortgage.

Potential borrowers (including public sector employees and military personnel) Raiffeisenbank provides the following opportunities for obtaining a mortgage loan:

• With a down payment
• With a surety
• With proof of income
• No down payment (0% installment)
• Without guarantors
• Without certificates of income from the place of work
• Personal conditions (for young professionals or young families)

When applying for a loan, the bank can offer two options for debt repayment: through annuity payments or differentiated payments. The mortgage calculator Raiffeisenbank calculates exactly the annuity payments, since they are the ones in greatest demand among the population.

The calculator is a really convenient and modern way to calculate all mortgage parameters online. For an accurate calculation, finally decide on the type of property.

A mortgage loan from Raiffeisenbank can be obtained:

• On a plot of land for individual building
• For secondary housing
• For a new building
• For the construction of a private house

Already at a bank branch, be sure to ask a bank employee if it is possible to get a mortgage with early repayment at Raiffeisenbank, with state support or parent capital. We also remind you that if the borrower has a salary card in the bank, this will significantly improve the terms of lending.