Mortgage lending in VTB 24 - new housing with VTB

Mortgage VTB: choose your dream apartment and buy it right now

Apartment or house?

Choose an apartment, apartment, townhouse or cottage with a mortgage loan amount of up to 60 million rubles with proof of income and up to 30 million rubles without.

Housing under construction or finished?

The rate for new buildings and real estate on the secondary market is the same.

Maternal capital

Use maternity capital for a down payment or partial repayment of a mortgage.

“Borrower” option

Receive a 0.3% discount on your mortgage rate when paying for everyday purchases with your VTB Multicard. We will accrue the discount amount in the form of bonus rubles - up to 5,000 ₽ per year. Bonus rubles are awarded if the amount of purchases on the card is more than 10,000 ₽ per month. Exchange them at multibonus.ru:

• For rubles at the rate of 1:1
• Products and store certificates
• Travel: hotels and tickets

To receive bonus rubles, enable the “Borrower” option in VTB Online.

Get a loan decision in 24 hours?

Absolutely real.
Express approval of a mortgage without an additional rate. Lending terms:

• Up to 30 million rubles on credit
• Up to 20 years loan term
• From 20% down payment
• No proof of income

What programs does the bank offer?

VTB offers a number of mortgage programs with government support. They offer lower rates and more favorable terms.

Preferential mortgage lending is described in the table:

What bank requirements should be taken into account in order to take out a mortgage at VTB24?

The bank is willing to issue mortgage loans to anyone who meets a certain number of requirements.

Let's consider the list of main criteria for a future borrower:

1. The bank lends not only to citizens of the Russian Federation, but also to citizens of other countries employed within the Russian Federation.
2. The loan can be issued if the borrower is already 21 years old. The maximum age at the time of full repayment of the loan should not exceed 65 years for men and 60 years for women (in some cases, 75 years of age is considered).
3. It is necessary to have a continuous three-month work experience in one place during the period of receiving the loan and a total one-year work experience for the last five years.
4. The client's solvency must be confirmed by a stable income sufficient for monthly mortgage payments, that is, the amount of payments to the bank is within 40% of the salary. In cases of mortgage lending, the bank will definitely require a co-borrower or guarantor.
5. A positive credit history is preferred.

Reviews about mortgages at VTB Bank in Moscow

5

I recommend I would like to write my opinion about the bank “House of the Russian Federation”. The term of my mortgage... Read

Leonid, Moscow

Tatyana Rumyantseva, Moscow

Krivunov Alexey Igorevich, Moscow

Svetlana Patrakova, Moscow

5

Good bank Our family decided to take out a mortgage. We thought for a long time which bank to contact... Read

Anya Margonova, Moscow

User Anonymous, Moscow

Egor Ivanovich Kondratyev, Moscow

Risks in mortgage lending

A mortgage is inextricably linked with great risks for a credit institution.
Actually, this is why VTB insists on real estate insurance. The main sources of risks are the economic situation in the country, the standard of living of the population, the domestic and foreign policies of the state, the dynamics of rising real estate prices and much more. All mortgage risks can be divided into three groups:

• credit - the risk of illegal actions, such as the borrower’s evasion from fulfilling its financial obligations. It is almost impossible to avoid it completely. To protect itself as much as possible, VTB requests a large amount of documentation confirming the client’s solvency;
• interest rate - the risk of losses due to the excess of annual rates that are paid to financial organizations on borrowed funds over the rates on loans provided. It is quite difficult to predict the occurrence of interest rate risk;
• liquid - the risk of changes in real estate market conditions, exchange rates, and stock markets. These are factors that the bank cannot control. To reduce risk, banks must develop a resource mobilization plan that identifies sources and costs.

Advantages of obtaining a mortgage with state support at VTB

In addition to the preferential interest rate, the bank took comprehensive care of the economic comfort of each client. As part of the offer, each borrower is offered:

• urgent consideration of the application - 1-3 days, depending on the documentary package and the complexity of verifying the provided data;
• no hidden fees – complete transparency of the transaction, all conditions are specified in the contract;
• The mortgage is repaid in equal installments over the entire loan term (annuity payments) according to an individual schedule;
• the possibility of early repayment, without the application of penalties typical for private financial institutions;
• the same interest rates for all regions, with the exception of the Far Eastern District (here the lender's commission is reduced to 1-2%).

Every citizen of the Russian Federation who is interested in a minimal financial burden can take advantage of the advantageous mortgage lending offer from VTB.
An online calculator will help you make a preliminary assessment of your financial capabilities and compare the results with the bank’s conditions. Official website of the bank: vtb.ru

What benefits do VTB Multicard owners receive when applying for a mortgage?

This card provides an opportunity to save when signing a mortgage agreement from VTB. Not only can you make your monthly mortgage payment, but you can also make day-to-day payments at various points of sale.

To save money on your mortgage payment, you need to do the following:

1. Submit an application for a VTB Multicard.
2. Activate the “Borrower” function.
3. All payments under the mortgage agreement must be made using the card received.

Important! When paying off a mortgage loan, up to 5,000 rubles per year is returned to the borrower’s account.

Login to your personal account

If the user has previously visited the VTB Online resource and has an activated account on it, he can use it to log into his personal account, since the login will be the same. Otherwise, you should use the phone number that was previously specified in the application for mortgage loan approval as your login.

The system assigns a password for this platform independently. For this reason, users who have deleted an SMS message with a code often experience difficulties with authorization because they forget the password. This is a minor problem. A special feedback form designed to restore access to your account will help you solve this problem. To do this, you need to indicate the phone number that the user previously used when filling out the application.

Where to get a mortgage from VTB Bank in Moscow

Below is information about the location and opening hours of VTB Bank offices in Moscow. To apply for a mortgage at VTB Bank, you will need to contact any bank branch with the necessary documents.

• For individuals:
• Mon.
  -
  Fri
  .: 09:00—20:00
  Sat
  .: 10:00—17:00

• For individuals:
• Monday-Friday: 9:00-20:00 Saturday: 10:00-17:00

To pay off your debt, you can make cash payments without commission at VTB Bank ATMs located in Moscow. Find the nearest ones in the list on our website.

• Working hours:
• Available in site operating mode

VTB 24 mortgage telephone number of mortgage branches

To apply for a property loan, you will need to contact any bank office. If there is no opportunity or time to visit the department, you must contact the staff by phone:

• 8, intended for Muscovites;
• 8 department for support of mortgage loans VTB 24.

Before making a call, you have the opportunity to evaluate the mortgage terms provided and use the calculator installed on the official website for a preliminary calculation.

https://www.vtb.ru/personal/ipoteka/ipotechnyj-kalkulyator/

The resource also allows you to find the telephone number of the bank in the desired locality. VTB 24 employees in St. Petersburg or another city work around the clock. Lending offices of VTB 24 mortgage department Moscow or Kirov operate according to regional time.

What real estate can be purchased at a preferential rate?

Formally, only one requirement applies to real estate. The bank will issue money for the purchase of housing exclusively in a new building:

• in the primary market for DDU;
• on the secondary (after registration of ownership) provided that the seller is a legal entity (developer), but not an investment fund or its management company.

VTB recommends that potential clients contact their partners: real estate agencies or developers. But the buyer retains the right to independently select an object for purchase.

Reviews from VTB24 Bank clients about obtaining a mortgage

Most clients note the excellent qualifications of the bank’s employees and the high speed of service when applying for a mortgage. The borrower has the opportunity to receive correct and prompt answers to all questions posed, both in person and by telephone.

Others were not so lucky. They experienced an unreasonable delay in reviewing the submitted documents, although the bank talks about 5-7 days, and only after repeated calls to

the bank and the filed claim, the case moved forward.

Still others, being long-time clients of the bank, are satisfied with its work and especially with the online filling out of the loan application, but when receiving a mortgage loan, they received a message about a positive decision too late and were forced to turn to another bank, where they work more quickly. A wish is expressed to create personal conditions for regular customers.

Requirements for borrowers and documents

The advantages of VTB Bank are that it specifies few requirements for the borrower. On its official website, only two criteria are indicated: the presence of registration in the Russian Federation and permanent work. The bank does not set any age limits; applications are accepted from all citizens. The borrower's citizenship is any.

What documents are needed to apply for a mortgage:

• passport of a citizen of the Russian Federation or a person of another state;
• SNILS or INN;
• certificate 2-NDFL or tax return for the last year;
• a copy of the work record book or an electronic extract from the Pension Fund of Russia;
• if we are talking about a foreigner, the grounds for stay.

When applying for a mortgage, VTB allows the involvement of a guarantor, whose documented income will be taken into account during the consideration. That is, the bank’s loyalty will increase and the possible amount of issue will increase. The guarantor must meet the requirements for the borrower and provide a similar package of documents.

If a mortgage is taken out during marriage, both spouses become co-borrowers. If the second party to the transaction has income, it must be documented, and it will be taken into account during the review.

Assistant

• Mortgage Borrower's Memo

To get a mortgage from VTB in Moscow, you need to have a certain level of income, a good credit history, collect a package of documents and go through a serious verification procedure. You can make a preliminary assessment of your capabilities, get an idea of ​​the level of the final overpayment and the amount of monthly payments on a mortgage loan by referring to the online calculator located above. Knowing the total cost of the property being purchased, the size of the down payment and the expected payment period, you will be able to choose the optimal mortgage program from VTB in 2021.

All the necessary information about mortgage programs

The bank's conditions are extremely simple for anyone who wants to borrow a certain amount of money from VTB.

The bank provides several mortgage programs to individuals:

• Classic program. Purchasing living space (in a new building or a finished house). This VTB mortgage is issued under an agreement for purchased premises in the primary or secondary market. The maximum amount issued by the organization is 30 million rubles. But only on the condition that the borrower can pay such a large amount of money monthly.

When obtaining a mortgage to purchase real estate in a new building that was previously accredited, the procedure is simplified significantly. For accreditation, managers of selling companies invite the client to a transaction in order to sign an agreement and make a down payment. When purchasing a secondary home, registration takes a little longer. After all, for this you need to evaluate the property from a specialist and collect all the necessary documents about the owner’s rights to sell it.

• The higher the meters, the lower the rate. These VTB mortgage conditions have been created for borrowers purchasing real estate with an area of ​​65 m2 or more. For borrowers, the bank provides a tariff at a low rate, which ranges from 10% per year. In addition to the difference in tariffs and a down payment of 20%, the terms of the program are similar to the classic mortgage option.

About when it is still possible to reduce the VTB mortgage rate - in detail in another article.

• Mortgage with a minimum set of documents. This program allows you to draw up a loan agreement without any particular difficulties for the client. When submitting an application, the conditions for a VTB mortgage based on two documents (RF passport, SNILS) are quite flexible, because every adult citizen of the Russian Federation can fulfill them.

But this program has a drawback - a high initial payment of 40%, and you will also have to pay an additional 0.5% to the annual rate.

• Housing on bail. Applying for mortgage lending is easy, since VTB previously checked all the documents, having also assessed the property. Typically, this mortgage is popular with clients whose property is pledged for sale. Such housing is collateral for problem lenders whose borrowers did not have time to pay the monthly installment and became in arrears.

Recommended article: Family mortgage from Sberbank in 2021

• Mortgage with state support from VTB for military personnel. Mortgage lending is provided for a period of up to 14 years. And in 2021 there was a reduction in rates at 10.9% per annum. Therefore, the design of the program has become extremely profitable and widespread among citizens of the Russian Federation.

• Mortgage refinancing program. Transferring a loan taken to another bank with the most suitable conditions for the client is a unique opportunity at VTB Bank. The annual rate starts from 10.7% for those who are participants in the salary project and for those who have taken out comprehensive insurance.

• Mortgage young family VTB. The terms of the VTB mortgage with maternity capital are used when applying for any mortgage program the client likes for the purchase of real estate. For a down payment, when repaying a new or existing loan, VTB allows the use of certificates.

Late fees

For each day of delay on a mortgage, VTB charges penalties in the amount of 0.1-1% of the total debt. In case of non-payment, the penalties are as follows:

1. A notice of debt is sent.
2. The client is invited to the bank and together they look for ways to solve the problem.
3. The creditor submits a statement of claim to the judicial authorities if the issue cannot be resolved amicably.
4. Seizure of a property.

To avoid penalties, it is recommended to deposit at least part of the money.

Interest rate on VTB 24 mortgage

After the VTB mortgage rate increase on November 6, 2018, they look like this:

As can be seen from the table, the minimum VTB mortgage rate for clients from the street for primary and secondary housing is 8.4%.

The following discounts apply:

• 0.4-.05% – under the “People of Action” program for civil servants;
• 0.7% – under the “More meters - lower rate” program.