Welcome! The topic of our meeting today is VTB 24 mortgage conditions, tariffs, programs. The increased interest in mortgages can be explained simply: for economic reasons, most Russians can only buy housing on credit. And when deciding to take out a loan, many borrowers turn to banks from the TOP-5. This choice is justified by the best conditions and security guarantees, which is important during the period of revocation of banking licenses. We will talk about the offers of VTB 24, one of the main players in the mortgage lending market. Readers will learn about the VTB 24 mortgage conditions in 2021 and the features of loan programs.
Affordable housing on the secondary market with VTB Bank
Current bank clients are guaranteed a discount under the “Digital Bonus” option - applying for a mortgage loan in the bank’s personal account. Salary clients also enjoy more favorable conditions. Other borrowers apply for a mortgage on standard terms offered by the bank.
The larger the area of the apartment, the lower the loan rate. If the borrower purchases housing with an area of more than 65 square meters. meters, the bank reduces the annual interest rate. Clients can choose a suitable property from the proposals of numerous VTB partners - development companies and real estate organizations.
Basic conditions for mortgage loans:
- Passport of a citizen of the Russian Federation.
- SNILS or INN (only the document number is indicated in the application).
- Work record book - on paper or in electronic format (in the first case, a copy certified by the employer is sufficient).
- Confirmation of income for the last year (12 months) - 2-NDFL certificate / 3-NDFL declaration / bank certificate / salary card statement.
- Military ID - provided by male borrowers of military age.
The final rate is calculated based on the loan amount, the size of the down payment and the area of the purchased property. Minimum and maximum amounts may be adjusted depending on the region where the contract is issued.
Mortgage calculator
To get an idea of the cost of a mortgage, you can make a calculation using a calculator on the official website of VTB 24. The program determines the interest rate, the size of the monthly payment and the available loan amount based on the client’s income.
Go to the calculator to calculate the amount on the VTB website
The calculator takes into account the following parameters:
- client category;
- the ability to provide documents on income;
- housing costs;
- the amount of the down payment;
- amount of income;
- payment period;
- comfortable monthly payment amount.
Calculate your future loan payment without going to the branch.
To calculate the cost of a mortgage online, just visit the official website of VTB 24 and select the desired home lending program on the appropriate tab. The calculator will appear on the page describing the program conditions.
The mortgage calculator on the VTB 24 website provides a preliminary cost calculation. The program does not take into account the availability of maternity capital or insurance conditions. To obtain an accurate calculation, you should contact a bank branch or the CEC (Mortgage Lending Center).
What requirements must the borrower meet?
Borrowers are citizens of the Russian Federation who have permanent registration in any region of the country. The following are considered clients: employees, individual entrepreneurs, business owners. Age for men and women - 21-75 years (the maximum age occurs no earlier than the date of full repayment of the loan debt).
The borrower must carry out labor activities in Russia. Total experience - from 1 year. Minimum 1 year of experience in current position. The bank also considers mortgage applications from foreign citizens on an individual basis.
Interest rates
In 2021, VTB 24 interest rate conditions are below the statistical average and lower than those of other financial organizations.
Based on the results of the first half of the outgoing year, the average mortgage lending rate in Russia fluctuates within - 11% — 11,5%.
VTB 24 provides a preferential reduction in interest rates to salary clients. The borrower can also take advantage of government support programs (maternity capital and tax deductions), which will significantly reduce the final amount of the debt and the period of its repayment.
The table provides information on interest conditions for mortgages at VTB 24.
| Mortgage | An initial fee (%) | Loan rate (%) |
| Apartments over 65 sq.m. | From 20 | From 9.5 |
| Purchase of primary and secondary housing | From 10 | From 9.7 |
| Mortgage without formalities | From 30 | From 10.7 |
| For the military | From 15 | From 10.9 |
| Buying collateral housing | From 20 | From 10 |
| Loan with collateral | Absent | From 11.7 |
| Refinancing | From 9.7 |
Documents for obtaining a mortgage for secondary housing at VTB
For Russian citizens, VTB has provided the opportunity to obtain a mortgage using two documents - without proof of income. To obtain a loan on more favorable terms, borrowers provide the bank with the following package of documents:
- Passport of a citizen of the Russian Federation.
- SNILS or INN (only the document number is indicated in the application).
- Work record book - on paper or in electronic format (in the first case, a copy certified by the employer is sufficient).
- Confirmation of income for the last year (12 months) - 2-NDFL certificate / 3-NDFL declaration / bank certificate / salary card statement.
- Military ID - provided by male borrowers of military age.
Before applying for a mortgage, foreign citizens must provide the bank with data indicating their legal presence in the Russian Federation. For a complete package of documents and the procedure for applying for a loan, you should contact the support service at 8 (800)-100-24-24.
Registration of a mortgage
Stages of buying an apartment on credit:
- Familiarization with the terms and conditions of the bank, collection of documents.
- Filing an application.
- Search for housing that meets the bank's requirements.
- Registration of the transaction: conclusion of a loan agreement, purchase and sale, collateral, insurance.
- Carrying out mutual settlements.
- Re-registration of the title deed, transfer of registered agreements to the bank.
If the preparatory stage has already been completed and all documents have been collected, it is time to submit an application. This can be done in two ways.
- fill out a form on the bank's website.
- contact the department in person.
You can get advice on the conditions and select a program with the help of a specialist by calling the VTB help desk at 8-800-100-2424. The website also has a function for ordering a call back to the applicant’s number.
Online application
To apply for a mortgage online, you need to visit the bank’s official website and go to the tab with home loan programs. Having selected the one you need, you should open a window with its description and find the “Complete” button at the bottom of the page.
Apply on the official website
The online application form differs depending on the program.
The application form indicates:
- Full name and contact details;
- passport details;
- employment information (employer’s tax identification number, length of employment, income);
- information about the apartment being purchased and the planned loan (amount of down payment, type and cost of housing, convenient repayment period, etc.).
Within three hours after sending the questionnaire, a bank employee will call you back at the phone number indicated in it. The specialist will clarify additional information, and after 2-3 days the bank will notify the applicant of the decision on the application.
The answer will be considered preliminary - then the borrower will still have to go to the branch with a full package of documents.
Contacting the department
The application form to obtain a final decision is completed at the mortgage center, and if there is no center in the locality, at any bank branch. If you have a complete package of documents, the processing time for a mortgage application ranges from 24 hours to 5 days. An application for a mortgage under the “Victory over formalities” program is reviewed within 24 hours.
Find a VTB 24 branch
A positive decision is valid for 4 months. This time is enough to find suitable housing or get acquainted with the offers of other banks.
Property selection
When purchasing a resale apartment, a home appraisal is required.
To quickly and efficiently select an apartment, the bank offers the services of partners: developers and real estate agencies. Cooperation with these companies is carried out on preferential terms, while borrowers have access to an extensive database of objects, and advice from specialists can be obtained at the office of the mortgage center.
Housing assessment is carried out when purchasing real estate on the secondary market, in exceptional cases - when purchasing an apartment in a new building. The result of the assessment determines the amount of the loan provided by the bank, so in this matter you should trust only reliable companies.
At the moment, the bank accepts assessment reports only from accredited partners whose work meets specified quality standards.
Collecting documents regarding the apartment is the seller’s task, since most certificates are provided only to the owner of the property or his official representative by proxy. To speed up the process, you can seek help from real estate specialists.
Making a deal
The procedure for obtaining a home loan consists of signing a purchase and sale agreement and loan documentation, as well as obtaining an insurance policy. At the time of this transaction, all participants must be present at the lender’s office: the seller (if we are talking about a secondary property), the borrower, his guarantors and/or co-borrowers.
The signed documents and the pledge agreement drawn up by the bank are sent to the registration authority. Borrowed funds are transferred to the seller or developer on the same day. Registration of a transaction in Rossreestr lasts from 5 to 7 days.
Having received the registered documents, the buyer submits a notarized copy of the certificate and the pledge agreement to the bank.
A pledge agreement is essentially a mortgage - a security that gives the lender the right to dispose of the pledged object in the event of the borrower’s refusal to fulfill loan obligations.
Mortgage insurance
By signing an insurance contract, you protect yourself and your property from various risks.
An obligatory stage of concluding a transaction is the execution of a comprehensive insurance contract. It includes the following risks:
- life and health insurance of the borrower;
- protection of the apartment from loss or damage;
- title protection (property rights).
When applying for a mortgage at VTB, title and life insurance are not required, but if these risks are excluded, the interest rate increases by 1 point. The borrower can enter into a risk protection agreement only with an insurance company accredited by VTB.
You can view the list of partners at the branch or on the lender’s website. This list includes the bank’s subsidiary, VTB Insurance.
The borrower has the right to independently choose an insurance company. If this company is not on the list of accredited partners, VTB is ready to review its services for compliance with the bank’s requirements and standards.
List of insurance companies-partners of VTB
Monthly payment calculator
How much do you need?
For how long?
Proc. rate 7.4% per annum Payment per month 100 ₽
Amount of payments 10,000 ₽ Overpayment 1,000 ₽
Payment schedule
| No., Month | Payment amount Payment | Interest + debt | Balance owed |
| 1. 10.04.2019 | 61 811.94 3 000.00 + 58 811.94 | 3 000.00 + 58 811.94 | 241 188.06 |
| 1. 10.04.2019 | 61 811.94 3 000.00 + 58 811.94 | 3 000.00 + 58 811.94 | 241 188.06 |
Payment schedule
Apply online
How to get a mortgage?
The rules for issuing a loan include several simple steps and will not become a burdensome operation that wastes a lot of time.
The mortgage application can be completed at home on the official VTB24 website. entry fields require :
- personal information;
- contact and passport details;
- description of financial situation;
- information about the desired loan (amount, type of home and region of purchase, term, etc.)
Photos of forms:
Personal data
Job
Documentation
Your loan
After this, you need to wait for a call from a bank employee and sign up for a consultation.
You can also apply for a mortgage and apply for it at the bank:
- Documents are accepted on site (you must have their originals with you) and the application form is filled out.
- After approval of the decision to issue a mortgage loan, the client is required to decide on the property to be purchased and come to the VTB 24 branch to sign the loan documentation.
Current tariffs
| Maximum mortgage amount | 60,000,000 rubles |
| Minimum mortgage amount | 600,000 rubles |
| An initial fee | From 10% |
| Mortgage term | Up to 30 years old |
| Interest rate | 7,4-8,4%. |
| Purpose of mortgage | Purchasing residential real estate on the secondary market |
| Mortgage program | VTB mortgage for secondary housing |
All tariffs Documents
Calculation results
| Monthly payment | RUB 12,940 |
| Overpayment on loan | RUR 552,771 |
| Total payout | RUB 1,552,771 |
| INTEREST RATES | link to calculation |
| date | Loan balance | Interest payment | Loan payment | Payment |
| June 2021 | 1 000 000,00 | 7 916,67 | 5 023,09 | 12 939,76 |
| July 2021 | 994 976,91 | 7 916,67 | 5 023,09 | 12 939,76 |
| August 2021 | 989 914,06 | 7 876,90 | 5 062,86 | 12 939,76 |
| September 2021 | 984 811,12 | 7 836,82 | 5 102,94 | 12 939,76 |
| October 2021 | 979 667,79 | 7 796,42 | 5 143,33 | 12 939,76 |
| November 2021 | 974 483,73 | 7 755,70 | 5 184,05 | 12 939,76 |
| December 2021 | 969 258,64 | 7 714,66 | 5 225,09 | 12 939,76 |
| January 2022 | 963 992,18 | 7 673,30 | 5 266,46 | 12 939,76 |
| February 2022 | 958 684,03 | 7 631,60 | 5 308,15 | 12 939,76 |
| March 2022 | 953 333,86 | 7 589,58 | 5 350,17 | 12 939,76 |
| April 2022 | 947 941,33 | 7 547,23 | 5 392,53 | 12 939,76 |
| May 2022 | 942 506,11 | 7 504,54 | 5 435,22 | 12 939,76 |
| June 2022 | 937 027,86 | 7 461,51 | 5 478,25 | 12 939,76 |
| July 2022 | 931 506,24 | 7 418,14 | 5 521,62 | 12 939,76 |
| August 2022 | 925 940,91 | 7 374,42 | 5 565,33 | 12 939,76 |
| September 2022 | 920 331,52 | 7 330,37 | 5 609,39 | 12 939,76 |
| October 2022 | 914 677,72 | 7 285,96 | 5 653,80 | 12 939,76 |
| November 2022 | 908 979,16 | 7 241,20 | 5 698,56 | 12 939,76 |
| December 2022 | 903 235,49 | 7 196,09 | 5 743,67 | 12 939,76 |
| January 2023 | 897 446,35 | 7 150,61 | 5 789,14 | 12 939,76 |
| February 2023 | 891 611,38 | 7 104,78 | 5 834,97 | 12 939,76 |
| March 2023 | 885 730,21 | 7 058,59 | 5 881,17 | 12 939,76 |
| April 2023 | 879 802,49 | 7 012,03 | 5 927,72 | 12 939,76 |
| May 2023 | 873 827,84 | 6 965,10 | 5 974,65 | 12 939,76 |
| June 2023 | 867 805,88 | 6 917,80 | 6 021,95 | 12 939,76 |
| July 2023 | 861 736,26 | 6 870,13 | 6 069,63 | 12 939,76 |
| August 2023 | 855 618,58 | 6 822,08 | 6 117,68 | 12 939,76 |
| September 2023 | 849 452,47 | 6 773,65 | 6 166,11 | 12 939,76 |
| October 2023 | 843 237,55 | 6 724,83 | 6 214,92 | 12 939,76 |
| November 2023 | 836 973,42 | 6 675,63 | 6 264,13 | 12 939,76 |
| December 2023 | 830 659,71 | 6 626,04 | 6 313,72 | 12 939,76 |
| January 2024 | 824 296,01 | 6 576,06 | 6 363,70 | 12 939,76 |
| February 2024 | 817 881,93 | 6 525,68 | 6 414,08 | 12 939,76 |
| March 2024 | 811 417,07 | 6 474,90 | 6 464,86 | 12 939,76 |
| April 2024 | 804 901,03 | 6 423,72 | 6 516,04 | 12 939,76 |
| May 2024 | 798 333,41 | 6 372,13 | 6 567,62 | 12 939,76 |
| June 2024 | 791 713,79 | 6 320,14 | 6 619,62 | 12 939,76 |
| July 2024 | 785 041,77 | 6 267,73 | 6 672,02 | 12 939,76 |
| August 2024 | 778 316,93 | 6 214,91 | 6 724,84 | 12 939,76 |
| September 2024 | 771 538,85 | 6 161,68 | 6 778,08 | 12 939,76 |
| October 2024 | 764 707,11 | 6 108,02 | 6 831,74 | 12 939,76 |
| November 2024 | 757 821,29 | 6 053,93 | 6 885,82 | 12 939,76 |
| December 2024 | 750 880,95 | 5 999,42 | 6 940,34 | 12 939,76 |
| January 2025 | 743 885,67 | 5 944,47 | 6 995,28 | 12 939,76 |
| February 2025 | 736 835,01 | 5 889,09 | 7 050,66 | 12 939,76 |
| March 2025 | 729 728,53 | 5 833,28 | 7 106,48 | 12 939,76 |
| April 2025 | 722 565,79 | 5 777,02 | 7 162,74 | 12 939,76 |
| May 2025 | 715 346,35 | 5 720,31 | 7 219,44 | 12 939,76 |
| June 2025 | 708 069,75 | 5 663,16 | 7 276,60 | 12 939,76 |
| July 2025 | 700 735,55 | 5 605,55 | 7 334,20 | 12 939,76 |
| August 2025 | 693 343,28 | 5 547,49 | 7 392,27 | 12 939,76 |
| September 2025 | 685 892,49 | 5 488,97 | 7 450,79 | 12 939,76 |
| October 2025 | 678 382,72 | 5 429,98 | 7 509,77 | 12 939,76 |
| November 2025 | 670 813,49 | 5 370,53 | 7 569,23 | 12 939,76 |
| December 2025 | 663 184,34 | 5 310,61 | 7 629,15 | 12 939,76 |
| January 2026 | 655 494,80 | 5 250,21 | 7 689,55 | 12 939,76 |
| February 2026 | 647 744,38 | 5 189,33 | 7 750,42 | 12 939,76 |
| March 2026 | 639 932,60 | 5 127,98 | 7 811,78 | 12 939,76 |
| April 2026 | 632 058,97 | 5 066,13 | 7 873,62 | 12 939,76 |
| May 2026 | 624 123,02 | 5 003,80 | 7 935,96 | 12 939,76 |
| June 2026 | 616 124,24 | 4 940,97 | 7 998,78 | 12 939,76 |
| July 2026 | 608 062,13 | 4 877,65 | 8 062,11 | 12 939,76 |
| August 2026 | 599 936,20 | 4 813,83 | 8 125,93 | 12 939,76 |
| September 2026 | 591 745,94 | 4 749,49 | 8 190,26 | 12 939,76 |
| October 2026 | 583 490,84 | 4 684,66 | 8 255,10 | 12 939,76 |
| November 2026 | 575 170,39 | 4 619,30 | 8 320,45 | 12 939,76 |
| December 2026 | 566 784,06 | 4 553,43 | 8 386,32 | 12 939,76 |
| January 2027 | 558 331,35 | 4 487,04 | 8 452,72 | 12 939,76 |
| February 2027 | 549 811,71 | 4 420,12 | 8 519,63 | 12 939,76 |
| March 2027 | 541 224,63 | 4 352,68 | 8 587,08 | 12 939,76 |
| April 2027 | 532 569,57 | 4 284,70 | 8 655,06 | 12 939,76 |
| May 2027 | 523 845,99 | 4 216,18 | 8 723,58 | 12 939,76 |
| June 2027 | 515 053,35 | 4 147,11 | 8 792,64 | 12 939,76 |
| July 2027 | 506 191,10 | 4 077,51 | 8 862,25 | 12 939,76 |
| August 2027 | 497 258,69 | 4 007,35 | 8 932,41 | 12 939,76 |
| September 2027 | 488 255,57 | 3 936,63 | 9 003,12 | 12 939,76 |
| October 2027 | 479 181,17 | 3 865,36 | 9 074,40 | 12 939,76 |
| November 2027 | 470 034,93 | 3 793,52 | 9 146,24 | 12 939,76 |
| December 2027 | 460 816,28 | 3 721,11 | 9 218,65 | 12 939,76 |
| January 2028 | 451 524,66 | 3 648,13 | 9 291,63 | 12 939,76 |
| February 2028 | 442 159,47 | 3 574,57 | 9 365,19 | 12 939,76 |
| March 2028 | 432 720,15 | 3 500,43 | 9 439,33 | 12 939,76 |
| April 2028 | 423 206,09 | 3 425,70 | 9 514,05 | 12 939,76 |
| May 2028 | 413 616,72 | 3 350,38 | 9 589,37 | 12 939,76 |
| June 2028 | 403 951,43 | 3 274,47 | 9 665,29 | 12 939,76 |
| July 2028 | 394 209,62 | 3 197,95 | 9 741,81 | 12 939,76 |
| August 2028 | 384 390,69 | 3 120,83 | 9 818,93 | 12 939,76 |
| September 2028 | 374 494,03 | 3 043,09 | 9 896,66 | 12 939,76 |
| October 2028 | 364 519,02 | 2 964,74 | 9 975,01 | 12 939,76 |
| November 2028 | 354 465,04 | 2 885,78 | 10 053,98 | 12 939,76 |
| December 2028 | 344 331,46 | 2 806,18 | 10 133,57 | 12 939,76 |
| January 2029 | 334 117,66 | 2 725,96 | 10 213,80 | 12 939,76 |
| February 2029 | 323 823,01 | 2 645,10 | 10 294,66 | 12 939,76 |
| March 2029 | 313 446,85 | 2 563,60 | 10 376,16 | 12 939,76 |
| April 2029 | 302 988,55 | 2 481,45 | 10 458,30 | 12 939,76 |
| May 2029 | 292 447,45 | 2 398,66 | 10 541,10 | 12 939,76 |
| June 2029 | 281 822,90 | 2 315,21 | 10 624,55 | 12 939,76 |
| July 2029 | 271 114,25 | 2 231,10 | 10 708,66 | 12 939,76 |
| August 2029 | 260 320,81 | 2 146,32 | 10 793,43 | 12 939,76 |
| September 2029 | 249 441,93 | 2 060,87 | 10 878,88 | 12 939,76 |
| October 2029 | 238 476,92 | 1 974,75 | 10 965,01 | 12 939,76 |
| November 2029 | 227 425,11 | 1 887,94 | 11 051,81 | 12 939,76 |
| December 2029 | 216 285,80 | 1 800,45 | 11 139,31 | 12 939,76 |
| January 2030 | 205 058,31 | 1 712,26 | 11 227,49 | 12 939,76 |
| February 2030 | 193 741,93 | 1 623,38 | 11 316,38 | 12 939,76 |
| March 2030 | 182 335,97 | 1 533,79 | 11 405,97 | 12 939,76 |
| April 2030 | 170 839,70 | 1 443,49 | 11 496,26 | 12 939,76 |
| May 2030 | 159 252,43 | 1 352,48 | 11 587,27 | 12 939,76 |
| June 2030 | 147 573,42 | 1 260,75 | 11 679,01 | 12 939,76 |
| July 2030 | 135 801,95 | 1 168,29 | 11 771,47 | 12 939,76 |
| August 2030 | 123 937,30 | 1 075,10 | 11 864,66 | 12 939,76 |
| September 2030 | 111 978,71 | 981,17 | 11 958,59 | 12 939,76 |
| October 2030 | 99 925,45 | 886,50 | 12 053,26 | 12 939,76 |
| November 2030 | 87 776,78 | 791,08 | 12 148,68 | 12 939,76 |
| December 2030 | 75 531,92 | 694,90 | 12 244,86 | 12 939,76 |
| January 2031 | 63 190,12 | 597,96 | 12 341,79 | 12 939,76 |
| February 2031 | 50 750,62 | 500,26 | 12 439,50 | 12 939,76 |
| March 2031 | 38 212,64 | 401,78 | 12 537,98 | 12 939,76 |
| April 2031 | 25 575,40 | 302,52 | 12 637,24 | 12 939,76 |
| May 2031 | 12 838,12 | 202,47 | 12 737,28 | 12 939,76 |
VTB Bank's mortgage calculator is a financial tool for calculating the monthly mortgage payment schedule for 2021 and obtaining the overpayment amount. Since the mortgage is taken out for more than one year, you should approach its choice very seriously. It is necessary to calculate everything in advance, preferably very accurately. Our VTB Bank mortgage calculator will help you with just this.
Important: Official coefficients when calculating mortgages at VTB Bank will not give reason to doubt the correctness of the calculation.
We update mortgage interest rates every day, taking them directly from VTB Bank. Without visiting the bank, using only our mortgage calculator, you will receive comprehensive data on the loan: monthly payment, overpayment amount. You will be able to predict your payment costs and make the right decision.
How to make a calculation
It is necessary to take the input data very seriously, because the reliability of the received mortgage calculations will depend on them.
First, you need to decide on the cost of the home you are purchasing. Keep in mind that you will need to have cash available for the down payment on your mortgage. Typically it is between 10 and 15%. By the way, a small life hack - you can take out a consumer loan for the down payment, the VTB Bank loan calculator 2021 will help you with this.
Will I afford the mortgage?
The VTB Bank mortgage calculator 2021 is exactly what you need so that you can weigh your chances of whether you can allocate money from your family budget for monthly mortgage payments. You can also change the amount of monthly payments by changing the loan term. Thus, achieving the amount that you can pull. Do not forget that a mortgage also has an unpleasant side; by increasing the term of the mortgage, you increase the amount of overpayment. Sometimes it can even exceed the amount of the mortgage itself. Let's do the calculation using VTB Bank's mortgage calculator. Input data: property value 1 million rubles, interest rate 9.5%. Changing the period until full repayment of the mortgage we get the table:
| Sum | Term | Overpayment, % | Overpayment, RUB. |
| 1 million RUB. | 10 YEARS | 55% | RUR 552,771 |
| 1 million RUB. | 15 YEARS | 88% | RUB 879,604 |
| 1 million RUB. | 20 YEARS | 123% | RUB 1,237,115 |
| 1 million RUB. | 25 YEARS | 162% | RUB 1,621,090 |
From the table we can clearly see that if you take out a mortgage from VTB Bank for 25 years, the overpayment will be 162%. The VTB Bank mortgage calculator clearly showed this.
Approved amount calculator
How old are you? Question 1 of 10
What is your age?
What's your gender?
Family status?
Where do you live?
What is your monthly income?
Last job experience? What is your position?
Do you have dependents (children, disabled people)?
Have you taken out loans before? Do you have open loans?
How much do you pay per month on loans?
What is your credit history? How many days are you overdue?
What education do you have? Do you have a car?
Which one?
We are calculating the limit, wait a little 00:20
You will find out the pre-approved amount that the bank can give you. The calculation is for informational and reference purposes only and is not a guarantee, since each bank has individual conditions.
You can get 292 000 ₽
The calculation is approximate and not final, since the bank takes into account many other parameters of the questionnaire. Apply now on the website and receive an instant decision online.
Start again Apply online
Return Continue
Requirements for the borrower and documentation
VTB 24 has the most loyal requirements for individuals applying for mortgage lending. The borrower must be at least 21 years old and maximum 65 years old.
The lenient conditions also apply to the place of registration of the client.
There may not be a registration at all - it does not play a key role in obtaining a housing loan.
VTB 24 Bank issues mortgage loans to employed persons. The total work experience must be more than one year, at least a month in the new workplace.
Mandatory documents include:
- Passport;
- TIN;
- State pension insurance policy;
- Military ID;
- A certified photocopy of the work book;
- Certificate of income (according to form 2-NDFL or proposed in VTB 24);
- The above documentation is not required for payroll clients. The bank has the right to independently review all cash deposits;
- Certificate for the right to open a housing loan (for military members of the NIS);
- For persons wishing to refinance a loan, a certificate from the program of the same name is required, containing information about the loan itself and the quality of its repayment;
- VTB 24 employees have the authority to require an additional number of documents at their discretion.
FAQ
What is the “Victory over formalities” option?
We are talking about applying for a mortgage using two documents - without proof of income and employment. What type of housing is eligible for the bank's program? You can purchase a finished secondary housing apartment with a mortgage.
How long does it take to process a loan application? Under standard conditions - 1-5 days, under the “Victory over formalities” option - up to 24 hours.
How to refuse comprehensive insurance? Comprehensive insurance includes insurance for the property, as well as life and health insurance for the borrower. In the first case, refusal is impossible, since this is a legal requirement. Personal insurance is available for clients upon request.
How many guarantors can be attracted under one agreement? The maximum number of guarantors is 3 people.
Ask a question All questions
Advantages and disadvantages of mortgage lending at VTB 24
There are many positive aspects for clients when applying for a mortgage at VTB:
- prompt consideration of applications;
- quality of service at the highest level;
- large selection of loan programs;
- availability of preferential conditions;
- low interest rates compared to other banks;
- notifications in the form of SMS about the amount of the monthly payment;
- early repayment of debt without penalty.
Despite all the advantages, there are also disadvantages of mortgage lending:
- registration of collateral;
- compulsory client life insurance;
- the possibility of purchasing property only from an accredited borrower.
But, compared to other banks, VTB nevertheless has more advantages.
![Mortgage for civil servants and other public sector employees in Sberbank in [year]](https://2440453.ru/wp-content/uploads/ipoteka-dlya-gossluzhashchih-i-drugih-byudzhetnikov-v-sberbanke-v-year4-330x140.jpg)
![How to return DomClick mortgage insurance from Sberbank in [year]](https://2440453.ru/wp-content/uploads/kak-vernut-strahovku-po-ipoteke-domklik-ot-sberbanka-v-year-330x140.jpg)
