Sberbank's partners in mortgage lending. VTB mortgage partners
Conditions for processing personal data
I give my consent to JSC Bank Site, address 125009, Moscow, st. Vozdvizhenka, 10 (hereinafter referred to as the Agent), as well as partner banks and other counterparties of the Agent (hereinafter referred to as Partners 1) to process all my personal data specified in the application by any means, including by third parties, including reproduction , electronic copying, depersonalization, blocking, destruction, as well as the above-mentioned processing of my other personal data obtained as a result of their processing, for the purpose of:
- providing me with a mortgage loan;
- creation information systems personal data of the Agent and Partners, as well as for any other purposes directly or indirectly related to providing me with a mortgage loan and/or offering other products of the Agent and Partners, and sending me information about new products and services of the Agent and Partners and/or their counterparties.
The specified consent is given for a period of 15 years, and in case of its withdrawal, the processing of my personal data must be terminated by the Agent, Partners and/or third parties and the data destroyed, subject to termination of agreements with the Agent, Partners or third parties civil contracts And full repayment debts under such agreements."
1 PJSC SKB Primorye "Primsotsbank" 690106, Primorsky Territory, Vladivostok, Partizansky Ave., 44; JSC "ARIZHK" 163000, Arkhangelsk, st. Popova, 17; OJSC "SAIZhK" 620075, Sverdlovsk region, Ekaterinburg, st. Belinskogo, 35; JSCB "Altai Business Bank" (OJSC) 656049, Russia, Altai region, Barnaul, Lenin Avenue, 43; JSC "RELIABLE HOUSE" 125284, Moscow, Leningradsky Prospekt, 31 A, building 1; JSC "RELIABLE HOUSE" 125284, Moscow, Leningradsky Prospekt, 31 A, building 1; Housing Mortgage Housing Fund (Veliky Novgorod) Novgorod region, Veliky Novgorod, st. Bolshaya St. Petersburgskaya, 6; OJSC "AHML RNO-Alania" 362027, Republic of North Ossetia-Alania, Vladikavkaz, st. Marcus, no. 51; VGIF, 600001, Vladimir region, Vladimir, Lenin Ave., 21A; OJSC "VAIZhK" 400001, Volgograd, st. Kanunnikova, 23; JSC "AHML VO" 160009, Vologda, st. Chelyuskintsev, 47; JSC "AZHIK" Voronezh region" 394036, Voronezh, 20th Anniversary of the Komsomol St., 54A; JSCB "Izhkombank" (PJSC) 426076, Udmurt Republic, Izhevsk, Lenin St., 30; JSC "KOIA" 305000, Kursk region , Kursk, Gorky St., 50; OJSC "AHML RT" 420111, Republic of Tatarstan, Kazan, B. Krasnaya St., 15/9; NGO "House Construction Insurance Fund" 236001, Kaliningrad , Zelenaya St., 89; JSC "KOSHELEV-BANK" 443100, Samara, Mayakovsky St., 14; JSC "AHML KO" 650066, Kemerovo region, Oktyabrsky Ave. 51; JSC KB "Khlynov" 610002, Kirov region, Kirov, st. Uritskogo, 40; KKFZhS 660095, Krasnoyarsk, Ave. newspapers "Krasnoyarsky Rabochiy", 126, office 640; JSC "KIZHK" 640007, Kurgan region, Kurgan, st. Burova-Petrova, 112; LLC "Uralregionipoteka" 455044, Chelyabinsk region, Magnitogorsk, Karl Marx Ave., 77, bldg. 3; OJSC "Dagipoteka" 367027, Republic of Dagestan, Makhachkala, st. Engelsa, 47; OJSC "RO IZHK Yaroslavl region" 150000, Yaroslavl, st. Saltykova-Shchedrina, 12; OJSC "Mortgage Corporation of the Chuvash Republic" 428,000, Chuvash Republic, Cheboksary, Moskovsky Avenue, 3; SE NO "NIKA" 603089, Nizhny Novgorod, st. Poltavskaya, 26; JSC "NOAIK" 630102, Novosibirsk, st. Zyryanovskaya, 53; State Unitary Enterprise of the Republic of Kazakhstan "State Property Fund of the Republic of Kazakhstan" 185035, Republic of Karelia, Petrozavodsk, st. Gogolya, 12; JSC "Avtogradbank" 423831, Republic of Tatarstan, Naberezhnye Chelny, Khasan Tufan Ave., 43; JSC "Yamal Mortgage Company" 629008, Yamalo-Nenets autonomous region, Salekhard, st. Republic, 78; JSC "MIK" 430000, Republic of Mordovia, Saransk, st. Kommunisticheskaya, 89; Joint-Stock Company"Mortgage Corporation Saratov region" 410003, Saratov, I.S. Kutyakova St., 6; JSC CB "ForBank" 107140, Moscow, Nizhny Krasnoselskaya St., 5, building 5; JSC "KOMIipoteka" 167000, Republic of Komi, Syktyvkar, ul. Oktyabrya Avenue, 132/3, 6th floor, office 605; JSC "Mortgage Corporation of the Chuvash Republic" 428 000, Chuvash Republic, Cheboksary, Moskovsky Avenue, 3; JSC "AHML for the Tyumen Region" Tyumen , st. Ordzhonikidze, 63; JSC "Mortgage Corporation of the Republic of Buryatia" 670000, Republic of Buryatia, Ulan-Ude, st. Profsoyuznaya, 35; JSC "Mortgage Investment Agency of the Stavropol Territory" 355035, Stavropol region, Stavropol, st. Lenina, 217a; LLC "Info-Content" 620075 Ekaterinburg, Rosa Luxemburg St., 19.
Everyone dreams of having their own home, but not everyone has the opportunity to purchase it with free money. This is why targeted lending programs are so popular in Russia.
VTB Bank is the second most popular credit institution in the country. Mortgages attract with their favorable conditions and low interest rates.
In this article we will talk about what are the conditions for mortgage lending in 2019 on the primary market from VTB Bank.
Terms of mortgage lending from VTB partner bank
Financial institutions cooperate with each other quite often. This makes it possible to reduce the costs of maintaining institutions and provide customers with service at a higher level. By contacting VTB partner banks, you can not only withdraw commission-free cash, but also take advantage of other bonuses - for example, getting a mortgage.
Mortgage terms may vary depending on the organization you choose. However, it is possible to highlight a number general conditions for 2019:
- terms – up to 30 years;
- amount from 500,000 to 60 million rubles;
- rate from 9.3%;
- the ability to repay the loan early without paying a fine or commission;
- down payment of at least 20% of the total debt.
Potential borrower in mandatory must meet the requirements set by the bank:
- presence of Russian citizenship or a document confirming legal stay in the country;
- Only borrowers over 21 years of age, but not more than 65 years of age (at the time of loan repayment), can apply for the mortgage program.
- work experience of at least 3 months at the last workplace;
- total work experience of at least one year.
Best Mortgage Partner
In total, VTB Group includes three financial institutions: VTB, Bank of Moscow and Post Bank. Let's take a closer look at the mortgage terms with VTB partners:
Post Bank
This organization appeared on financial market not so long ago, but has already managed to conquer great amount clients all over the country. The main advantage of Post Bank is that it is much easier to get a loan here than in other credit institutions.
You can get a mortgage from 12.9% per annum, for a period of 1 to 5 years, in an amount of up to 1 million rubles.
Bank of Moscow
You can get a mortgage from a Moscow bank at an interest rate of 10.4% per annum. Among the advantages of this organization are work with maternity capital and the presence of a huge base of accredited new buildings.
To apply for a mortgage, you will need to prepare a package of at least four documents:
- passport;
- a second identity document of your choice (SNILS, military personnel ID, international passport or driver’s license);
- a copy of the work book;
- certificate in form 2-NDFL.
Mortgage for a new building at VTB
The peculiarity of such a loan is that it is intended exclusively for the purchase of an apartment in a building under construction. The registration process involves transferring funds to the developer’s account, after which VTB takes the borrower’s property as collateral.
The advantage of such a mortgage is significant savings, since a house on the primary market is cheaper than on the secondary market. However, the borrower will not be able to move into the apartment until the developer puts it into operation.
If you have already chosen a suitable offer and are determined to take on credit obligations, you can begin to take action. To do this you need to send to VTB preliminary application. This can be done online on the bank’s official website or at its nearest branch. If approved, you will be invited to the VTB office to conclude a loan agreement.
In order to purchase an apartment with a mortgage on the primary market, you need to provide the bank with the following documents:
- application form;
- passport;
- employment information;
- documentary evidence of income.
Purchasing housing under construction with a VTB mortgage: register
You should only purchase a mortgage from an accredited complex. Thus, you have a guarantee that you will receive the property in accordance with the deadlines, and not a view of the foundation pit.
Procedure for purchasing a new building with a mortgage
- First stage;
First of all, you need to decide on the development company and the property that you are going to take out a mortgage. After which you need to contact the selected developer and enter into an agreement to book the apartment you like. It will contain the terms of the purchase and sale transaction and the amount down payment. It is worth noting that this agreement has a validity period, which is also specified in the contract.
- Second phase;
Once you have received the agreement, head to VTB branch. There you need to write an application for a mortgage, attaching the entire package necessary documents(to be specified by the bank). Loan specialists The bank will review your application and, if approved, will invite you to the office to conclude a mortgage agreement.
As soon as you complete loan agreement, you must make an initial payment to the developer’s account, after which the entire amount of the mortgage provided by VTB.
The borrower produces registration of property secured and he has loan obligations to this credit institution.
It is important to note that the mortgage process is not cheap. To conclude a transaction, you will have to pay a state duty, which averages about 2,500 rubles (it all depends on the region).
The developer, in turn, pays state tax, which is 13% of the cost of housing.
Another significant expense is paperwork ( cadastral passport and BTI passport). Their cost is selected individually, depending on the region.
VTB mortgage calculator for new buildings
In order to calculate the approximate amount of the monthly payment on a VTB mortgage for new buildings, you can use special services. We bring to your attention this loan calculator on the official VTB website.
Data is calculated using the formula:
total loan amount/term + interest rate on total debt/12 (9.6%) = monthly payment amount
1,700,000/30 years + 9.6% of 1,700,000 = 11,875 rubles.
List of VTB accredited new buildings and residential complexes
The entire list of VTB accredited new buildings is in free access on the official website of the bank. Just enter “Database of accredited new buildings” in the search box and open the first tab.
This list includes the following objects:
The apartment complex is located in Moscow - Odintsovo district. It is a 33-story, brick-monolithic building. There is underground parking. You can buy housing here for a price starting from 2,700,000 rubles. Use available maternity capital.
The infrastructure of the residential complex includes a school, kindergarten, various shops, concierge, children's playground, fitness, sports ground, pond and parking.
Green Coast
The Green Beach apartment complex is located both in Moscow and in many other cities of Russia. Its infrastructure includes everything you need: a school, a kindergarten, shops, parking, a playground and a sports ground.
You can take out a mortgage for an apartment here from 2,000,000 rubles. It is possible to use maternity capital as a down payment or repayment of the principal portion of the debt.
Trinity Riviera
Prices for apartments in residential complex“Trinity Riviera” range from 3.4 to 9 million rubles. The walls are made of brick, which provides sound insulation and heat retention.
The complex is located on the banks of the Desna River, which is only 20 minutes by car from the Moscow Ring Road.
The infrastructure of the complex has everything necessary for life: from a newsstand to a school.
Chocolate
The residential complex “Chocolate” is located in many cities of Russia. Its main advantage is the free layout - you decide how your space will be occupied. In addition, the residential complex has its own boiler room, which guarantees hot water in the summer and warm radiators in the winter.
The houses are 3-story, made of brick. The territory is fenced. The infrastructure includes a school, kindergarten, shops and many other establishments. Mortgage prices here start from 33,000 rubles per 1 sq. m.
Chekhovsky Posad
The Chekhovskiy Proezd residential complex is located in the Chekhovsky district of Moscow, a 30-minute drive from the Moscow Ring Road. It consists of monolithic four-story buildings.
Prices for apartments here range from 0.72 to 4.4 million rubles
Olympus 3
The residential complex “Olympus 3” is located in Samara. The cost of an apartment here is from 2,100,000 rubles. Its main advantage is its proximity to parks, which opens up wonderful views from the window and also gives the opportunity to take walks.
Take out a mortgage for share building in the residential complex “Maidanovo Park” it is possible at a price from 1.4 to 3.1 million rubles. Type of building: monolithic brick. Parking available. The use of maternity capital is allowed.
Residential complex “West Bank” is located in the urban district of Mytishchi in Kapustino. It consists of 12 low-rise buildings. The infrastructure of the complex includes a kindergarten, a school, parking and various shops.
Mortgage interest on a new building at VTB
Each client can independently choose and apply for the mortgage program that is most suitable for him.
It is selected depending on whether you can confirm your profitability or not. The interest rate also depends on this.
Promotions from developers
Developers quite often offer various discounts and promotions. You can check their dates directly with them.
Thus, it does not matter whether you chose a mortgage program from VTB or from a partner bank. In any case, you get the opportunity to take advantage of the most favorable conditions.
Assistance in obtaining a mortgage from partner banks:
Questions about buying an apartment with a mortgage
A combined mortgage interest rate has two main components: fixed and variable. The bottom line is that at first the client has a fixed rate for a certain period of time, and then it becomes floating. In the first years (each client can choose the specific period independently), no matter what happens, the rate remains unchanged. And then it is tied to monetary indicators in various currencies. In rubles this is MosPrime and the Central Bank refinancing rate. For loans in dollars - Libor.
Main advantages mortgage programs with a combined rate is that the constant part of the combined rate is lower than under programs with fixed rate. Therefore, when choosing combined bets, it is important to correctly assess your financial capabilities.
Combined interest rates are aimed primarily at those borrowers who aim to repay mortgage over the next 5-7 years. For example, through the sale of other real estate or through additional income that was not taken into account during underwriting.
Today, combined interest rates on mortgage loans are offered by partner banks such as Rosbank, UniCredit Bank, where preferences are provided to clients of the INCOM-Real Estate company, which in turn provides additional savings in combination with the combined rate.
According to Rosbank, currently more than 47% of issued mortgage loans issued using programs with a combined interest rate
Every life situation and financial position Each client is individual. According to the technology of work in the Company, a realtor selects several banks for a client. From several proposed positive decisions on issuing a loan, the client, with the help of a realtor, has the opportunity to choose the optimal solution for himself, taking into account the interest rate, terms of the loan, technological features of the transaction and the characteristics of the bank. In addition, Inkom Real Estate clients have various preferences in many banks, which allows them to get more optimal and profitable terms lending. This work is very labor-intensive, but it gives a high-quality result, allowing you to get an individual approach to solving your housing problem.
In banks except general requirements To potential borrower there are their own individual characteristics assessment of the client’s solvency and creditworthiness, his income, type of activity, and other indicators that are taken into account when making a decision on issuing a loan. Based on this, banks consider your specific case, calculate how much loan you can receive and under what conditions. Therefore, these amounts and conditions in different banks may differ, as practice shows it can be significantly.
Savings over the entire loan term can be up to 10%. Over the past three years, about 70-80% of transactions on secondary market real estate - alternative, almost every chain has a link with a mortgage. In general, realtors have to deal with complex problems of their clients every day. For them, a mortgage is one of the ways to solve a person’s housing problem, and not an end in itself, which is used only when it really is the most optimal - profitable option.
The first thing that will reduce your interest rate as much as possible is a high down payment. If the budget exceeds 30% of the cost of the property, you can reduce the rate by 1-2%. If the contribution is 50% or more, the rate will decrease to an average of 2-3%.
The second way is to purchase a home through a large real estate agency. Banks are extremely interested in cooperation with professionals who are ready to guarantee the quality of the transaction, and are happy to provide their clients with various preferences, for example, a reduction in the interest rate by 0.5-1% or a reduction in commission costs. In addition, banks promptly inform realtors about special offers, and a good agent is always happy to emphasize his competence.
The third thing that allows you to save money when repaying a loan is the use of a combined interest rate. This is especially convenient if the borrower aims to repay the mortgage loan within 5-7 years. The main advantage of combined rate mortgage programs is that the effective rate is lower than fixed rate mortgage programs.
Thus, maximum savings are achieved by simultaneously using discounts provided by banks to large partner agencies and a combined rate. Using the entire arsenal of tools, the client can reduce costs by up to 10% over the entire loan period.
Working with the large agency "INCOM-REAL ESTATE" makes it possible to expedite the consideration of an application for the selection of a mortgage loan, submit documents for the borrower through the bank's partner channel, as well as fast deadlines for the mortgage transaction.
According to the Mortgage Lending Service of the INCOM-Real Estate company, in 2013, for the majority of Muscovites with an average income who own an apartment, a room or even a share, a mortgage became the main, most reliable way to solve the housing problem.
For several years, the number of exchange transactions in the Moscow real estate market has consistently reached 80%. Thanks to this scheme, it is profitable and easy for Muscovites to improve their living conditions with help borrowed money. According to the Mortgage Lending Service of the INCOM-Real Estate company, at the end of 2013, existing real estate or its share was often used as a down payment, and average value mortgage loan amounted to 3.6 million rubles.
For many clients, their income allows them to receive this amount in most banks. So, according to the results of last year, based on information from the Department economic policy and development of Moscow, the average size Muscovites' salaries amounted to about 45 thousand rubles. per month. Respectively, total income a family of two can be estimated at 85-95 thousand rubles. It often happens that several families connected by family ties live in a small Moscow apartment. Parents prefer to leave their adult children who have already established their own families. Often divorced spouses decide to exchange, but do not intend to live in communal apartments. A mortgage will significantly improve living conditions in all similar cases. If implemented common property, and as an additional payment take out a loan, you can buy two apartments, thereby solving the housing problem. Not only official spouses, but also so-called common-law spouses can count on receiving a loan.
The majority of clients obtain loans for long terms— 15-25 years — in order to increase the loan amount and reduce your financial burden. However, statistics show that most people who take out loans pay them off in about 7 years. “Often, clients who own real estate don’t even know how profitably they can fulfill their desires, but together with professional realtors they find a way to solve the most complex and non-standard problems,” says Lev Pletzelman, head of the Mortgage Lending Service at INCOM-Real Estate. .
According to the INCOM-Real Estate company, in the secondary housing lending market over the past three months the number mortgage borrowers over 45-50 years old increased by 30%. “The increased interest in mortgages on the part of citizens of this age category, in our opinion, is associated with two factors: general financial instability and the planned pension reform. Typically, these events significantly reduce the level of income, affecting the quality of life, so many citizens seek to purchase an “apartment for old age,” which they plan to use as a source additional income in retirement or as a way to save savings.
For these purposes, buyers most often choose one-room apartments close to the metro costing from 4.5 to 5.5 million rubles. For ease of control over rental housing in the future, borrowers prefer properties located next to their main property. Very often, relatives are involved as co-borrowers on a loan. To acquire an “income apartment,” buyers use the two most common schemes. The overwhelming number of clients contact us with the goal of exchanging their existing housing of a larger area into two apartments using their savings and mortgage loan. Another part of buyers asks to find a second apartment without exchange; such purchases are also financed by own funds in the amount of 1-1.5 million rubles. In the second scenario, the size of the mortgage loan is usually 3.5-4 million rubles. Borrowers expect to repay the loan early, using rental income to partially or fully repay the loan. This method of ensuring a comfortable old age attracts clients with its simplicity, since in order to extract monthly income from your real estate, you do not need the knowledge of a brilliant strategist or professional economist.
The banks with which the INCOM-Real Estate company cooperates offer several mortgage programs under which the maximum age of the borrower at the end of the loan reaches 65 years. Agency clients can take advantage of a mortgage loan for preferential terms allowing significant savings.
The “Set your rate” option provides a service for the borrower to reduce the interest rate for the entire loan term. A one-time payment for a reduction (on average from 1.5% to 4% of the loan amount) of the interest rate gives a reduction of 0.5 -1.5%. Using this service, you can reduce your mortgage costs by choosing one of the options to reduce the interest rate.
This option is especially beneficial for borrowers applying for maximum terms mortgage loans and those not planning early repayment.
Composite interest rates are aimed at customers who plan to pay off their mortgage over the next 5 to 7 years. The main advantages of these programs are that the effective interest rate for the first 5-7 years is lower on average by 0.5% than for fixed rate programs.
Reviews from mortgage partner banks:
The advantages for buyers when contacting INCOM specialists are obvious: as a market leader, it has the most complete database of real estate properties, which saves time and money when searching. Professional client support when communicating with counterparties, secure mutual settlements. We see high level work with our mutual clients. It has always been this way. When receiving a mortgage from Metallinvestbank through Inkom, the client receives a preference in the rate and, no less important, a well-established mechanism for realtor-bank interaction over the years, which allows for a clear and efficient transaction of any complexity.
Director of the Mortgage Lending Center of Metallinvestbank, Stanislav Kondakchyan
For a long time we have been successfully cooperating with the INCOM-Real Estate Company, jointly helping residents of Moscow and the Moscow region in solving housing issues. I consider the Company to be a high-quality expert in the field of any real estate transactions and a strategic partner of the bank. INCOM specialists are highly professional and successfully realize the dreams of their clients.
Head of the Mortgage Business Development Department of Otkritie Bank, Dmitry Vagabov
RosEvroBank has many years of rich and successful experience of cooperation with the INCOM Real Estate Company. Over the years of joint work, INCOM has established itself as a reliable and experienced partner with highly qualified employees who take a responsible approach to solving joint business problems. High professionalism of specialists allows the Company to remain a leader Russian market real estate for many years. RosEvroBank is always ready to offer Incom Company’s mortgage clients how optimal conditions lending, and additional discounts on interest rates. We express our sincere gratitude for your conscientious attitude towards working together.
Director of the Mortgage Business Department of RosEvroBank, Igor Prutskov
The company "Inkom-Real Estate" is the largest partner Bank Uralsib By mortgage lending. The professionalism and high qualifications of the company’s specialists are confirmed both by the Bank’s employees and by customer reviews throughout the long period of cooperation. The success of Inkom-Real Estate is due to openness and accessibility, a clear understanding of the needs of clients and partners. We recommend Inkom-Real Estate and offer special conditions mortgage lending for the company's clients - rate reduction by 1% from standard rates for the Bank's mortgage lending programs.
Head of Mortgage Loan Sales Department at URALSIB Bank, Maxim Melnikov
Absolut Bank has been successfully cooperating for many years with INCOM, which is one of the key players in the real estate market of Moscow and the Moscow region. During our collaboration, the agency confirmed its reputation as a reliable partner, which has an extensive network of offices operating according to uniform professional standards. Strong business relationships benefit not only the bank and the agency, but also those who decide to take out an apartment on a mortgage - for INCOM clients, the loan rate is 0.5 percentage points lower than for other borrowers.
Head of the Mortgage Lending Center of Absolut Bank, Sergey Dzhamalutinov
How to buy an apartment with a mortgage in Moscow or the Moscow region
Many Muscovites and residents of the Moscow region are thinking about a loan for the purchase or exchange of housing, but not everyone knows where to start. Which apartment loan is profitable and which is not? What to do first - get the bank’s consent to give a loan for an apartment or start looking for suitable housing? But what if the bank does not approve it? Is it possible, while living in Moscow, to buy an apartment in the Moscow region? You should not ask these and other questions if you are going to take out a loan to buy an apartment - you should entrust the solution to all problems to specialists.
If you are planning to buy an apartment with a mortgage or plan to take out a loan as an additional payment upon exchange, contact us. INCOM-Real Estate specialists have great experience conducting various real estate transactions and will provide effective assistance in obtaining a mortgage, choosing an object, and completing a transaction. Come to us and you won't have to call or visit various banks to learn about the conditions for obtaining a loan. We will help you get mortgage benefits, because our company is a partner of a number of capital banks. For our clients, this means a real opportunity to receive mortgage discounts from banks. In addition, your application will be reviewed by several banks at once, and you will be able to quickly and easily buy an apartment on credit on the best terms for yourself.
Are you worried about collecting the documents that are necessary so that you can buy a home or make an exchange? Indeed, you will need a lot of documents; the bank requires them to consider an application for a loan, to evaluate the property, and then to draw up a real estate purchase and sale agreement. The process is troublesome and time-consuming, but you don’t have to waste your time and effort. Providing assistance in obtaining a mortgage, we provide a wide range of services. Our specialists will collect and provide it to the bank full package necessary documents, so purchasing an apartment with a mortgage will be as comfortable as possible for you.
Are you still unsure whether you need a mortgage for your apartment? Don't hesitate, buying an apartment is easy and simple with us. We help you choose the best one for you credit program, we provide mortgage preferences, select an object that suits your taste and the requirements of the bank, prepare documents for registration of your property. We organize the transaction, including delivery credit funds, depositing money in a safe deposit box, signing a purchase and sale agreement, transferring to state registration. And - congratulations! Did you want to get mortgage discounts and improve your living conditions? With our help you did it!
![Bookmark and Share](http://s7.addthis.com/static/btn/v2/lg-share-en.gif)