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Mortgage at Gazprombank: conditions and interest rate for 2021


When planning to purchase real estate using credit funds, many people apply for a Gazprombank mortgage. Gazbrombank has established itself as a reliable financial institution. When studying the proposed programs, applicants can use the Gazprombank mortgage calculator. This free application can be found on the lender’s official website, where visitors to the portal can use it at any time of the day. Thanks to the Gazprombank mortgage calculator, it will be possible to calculate the mortgage amount for 2021 in just a few seconds, which will allow you to estimate the amount of overpayment for the entire loan term.

Mortgage program conditions

Mortgage calculation Sberbank

Gazprombank mortgages are issued to individuals on the following terms:

  1. Russian citizens can purchase housing both on the secondary market and from developers.
  2. Individuals are offered programs with government support, which significantly reduces interest rates.
  3. Gazprombank issues mortgage loans for a period of up to 30 years.
  4. The amount of the down payment varies from 10% to 40% of the loan amount.
  5. The minimum mortgage amount from Gazprombank is 500,000 rubles, and the maximum can reach 60,000,000 rubles.
  6. For a simple mortgage from Gazprombank, the conditions provide for the provision of only two documents. But in this case, applicants from St. Petersburg and Moscow can count on no more than 10,000,000 rubles, and residents of the regions can receive up to 7,000,000 rubles.
  7. Clients who have participated in the mortgage program can receive credit cards for which the grace period can be up to 3 months, and the interest rate varies from 21.90% to 23.90%.
  8. The financial institution runs promotions under which some mortgage programs can be issued on preferential terms: refinancing, purchase of parking spaces, garages, purchase of apartments from KP UGS, loans at 9.20%, loans from major developers and purchase of business class housing.

For information: when applying for a mortgage at Gazprombank using two documents, applicants will have to make the maximum down payment.

Collateral requirements

Gazprombank accepts the pledge of purchased or owned real estate as collateral.

The bank has the following requirements for housing:

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  • It must be located in an apartment building that is not recognized as unsafe or subject to major repairs and has a brick, stone or reinforced concrete foundation.
  • No illegal redevelopment.
  • The housing has not been seized and is not pledged.
  • Basic communications have been provided (electricity, water supply, etc.).
  • The kitchen and bathroom must be separate.

Documentation package

To take part in mortgage lending, you will have to collect a large package of documentation (except for the program that requires only two documents):

  1. Passport;
  2. Application form;
  3. Tax identification number;
  4. A copy of the work record (certified by the last employer);
  5. Certificate indicating monthly income;
  6. If the application is made by a business entity, then tax returns, constituent documents, and bank statements will be required from him;
  7. Marriage/birth certificate;
  8. Documents for the purchased housing;
  9. Foreign passport, military ID, driver's license;
  10. SNILS insurance card;
  11. Documents of co-borrowers/guarantors;
  12. When transferring personal property as collateral, title documents must be submitted.

How to confirm solvency

The client's main income is confirmed using a certificate in form 2NDFL or an account statement with salary credits, certified by the bank's seal. As a document proving the borrower's solvency, a certificate of the amount of earnings in the bank's form is also allowed (download a blank form).


Certificate of income (form)

Only those documents that reflect payroll for the past 12 months are accepted for work. In the event that the client’s length of service at the current place of employment is less than a year, the certificate is issued for the actual time worked, but not less than six months. The certificate/extract is valid for 30 days.

To increase solvency, it is allowed to provide additional documentation if there are other sources of income:

  • insurance contract or certificate from the insurer confirming receipt of payments;
  • agreement on opening a deposit/deposit or a bank statement, if accrued interest serves as additional income;
  • tax return 3-NDFL with a mark from the Federal Tax Service for the last quarter/year;
  • employment contract.

Programs

On the official web portal of the financial institution you can find Gazprombank mortgage programs available to individuals. Today, the financial institution offers the following mortgage products for new and regular clients:

  1. Business class housing. Issued no more than 60,000,000 rubles, at 8.70%.
  2. Real estate from the largest developers. Applicants can receive up to 60,000,000 rubles at 9.00%.
  3. GPB mortgage at 9.20% per annum. The maximum size of the promotional loan is 60 million rubles.
  4. Purchase of apartments from KP UGS. For such housing, a financial institution can allocate a maximum of 60 million rubles at 9.00%.
  5. For real estate from the primary and secondary markets, the financial institution allocates up to 60,000,000 rubles, and for housing for military personnel no more than 2,486,000 rubles. For all three programs the rate is set at 9.00%. Gazprombank's loan calculator for mortgages on the primary and secondary real estate markets shows that the basic amount of the down payment is 10%, and for the military - 20%.
  6. Under the family program, you can get up to 8,000,000 rubles at 6.00% per annum, subject to an advance payment of 20% of the loan amount.
  7. Affiliate program for the purchase of housing from GPB-Invest. At Gazprombank, the mortgage calculator 2021 allows you to calculate down to the penny, indicating the loan amount in the range of 500,000 rubles. up to 60 million rubles, interest rate starting at 9.20%, and zero down payment.
  8. Loan for the purchase of townhouses. Applicants can count on no more than 60 million, at 10.20% per annum and an advance payment of 20%.
  9. A loan with a grace period is available to individuals today. It can be used to apply for up to 45,000,000 rubles, with a 15% down payment and an interest rate of 5.40%.
  10. Loan for the purchase of parking spaces or garages. You can get up to 3,000,000 rubles at 9.70% per annum and with a down payment of 30%. Another program is issued for 1,000,000 rubles, at 10.00% per annum, with an initial payment of 40%.
  11. A mortgage program that can be applied for with just two documents. Clients are issued no more than 10,000,000 rubles at 10.20%. The Gazprombank mortgage calculator for 2021 will help you calculate the amount of the advance payment, which is 40% of the loan amount.

Attention! Applicants for Gazprombank mortgages will have to make a down payment. The amount of the advance payment can vary from 10% to 40% of the loan amount. It is worth noting that according to the Gazprombank-Invest affiliate program, there is no requirement for prepayment.

Calculation results

Monthly paymentRUB 12,940
Overpayment on loanRUR 552,771
Total payoutRUB 1,552,771
INTEREST RATESlink to calculation
dateLoan balanceInterest paymentLoan paymentPayment
June 20211 000 000,007 916,675 023,0912 939,76
July 2021994 976,917 916,675 023,0912 939,76
August 2021989 914,067 876,905 062,8612 939,76
September 2021984 811,127 836,825 102,9412 939,76
October 2021979 667,797 796,425 143,3312 939,76
November 2021974 483,737 755,705 184,0512 939,76
December 2021969 258,647 714,665 225,0912 939,76
January 2022963 992,187 673,305 266,4612 939,76
February 2022958 684,037 631,605 308,1512 939,76
March 2022953 333,867 589,585 350,1712 939,76
April 2022947 941,337 547,235 392,5312 939,76
May 2022942 506,117 504,545 435,2212 939,76
June 2022937 027,867 461,515 478,2512 939,76
July 2022931 506,247 418,145 521,6212 939,76
August 2022925 940,917 374,425 565,3312 939,76
September 2022920 331,527 330,375 609,3912 939,76
October 2022914 677,727 285,965 653,8012 939,76
November 2022908 979,167 241,205 698,5612 939,76
December 2022903 235,497 196,095 743,6712 939,76
January 2023897 446,357 150,615 789,1412 939,76
February 2023891 611,387 104,785 834,9712 939,76
March 2023885 730,217 058,595 881,1712 939,76
April 2023879 802,497 012,035 927,7212 939,76
May 2023873 827,846 965,105 974,6512 939,76
June 2023867 805,886 917,806 021,9512 939,76
July 2023861 736,266 870,136 069,6312 939,76
August 2023855 618,586 822,086 117,6812 939,76
September 2023849 452,476 773,656 166,1112 939,76
October 2023843 237,556 724,836 214,9212 939,76
November 2023836 973,426 675,636 264,1312 939,76
December 2023830 659,716 626,046 313,7212 939,76
January 2024824 296,016 576,066 363,7012 939,76
February 2024817 881,936 525,686 414,0812 939,76
March 2024811 417,076 474,906 464,8612 939,76
April 2024804 901,036 423,726 516,0412 939,76
May 2024798 333,416 372,136 567,6212 939,76
June 2024791 713,796 320,146 619,6212 939,76
July 2024785 041,776 267,736 672,0212 939,76
August 2024778 316,936 214,916 724,8412 939,76
September 2024771 538,856 161,686 778,0812 939,76
October 2024764 707,116 108,026 831,7412 939,76
November 2024757 821,296 053,936 885,8212 939,76
December 2024750 880,955 999,426 940,3412 939,76
January 2025743 885,675 944,476 995,2812 939,76
February 2025736 835,015 889,097 050,6612 939,76
March 2025729 728,535 833,287 106,4812 939,76
April 2025722 565,795 777,027 162,7412 939,76
May 2025715 346,355 720,317 219,4412 939,76
June 2025708 069,755 663,167 276,6012 939,76
July 2025700 735,555 605,557 334,2012 939,76
August 2025693 343,285 547,497 392,2712 939,76
September 2025685 892,495 488,977 450,7912 939,76
October 2025678 382,725 429,987 509,7712 939,76
November 2025670 813,495 370,537 569,2312 939,76
December 2025663 184,345 310,617 629,1512 939,76
January 2026655 494,805 250,217 689,5512 939,76
February 2026647 744,385 189,337 750,4212 939,76
March 2026639 932,605 127,987 811,7812 939,76
April 2026632 058,975 066,137 873,6212 939,76
May 2026624 123,025 003,807 935,9612 939,76
June 2026616 124,244 940,977 998,7812 939,76
July 2026608 062,134 877,658 062,1112 939,76
August 2026599 936,204 813,838 125,9312 939,76
September 2026591 745,944 749,498 190,2612 939,76
October 2026583 490,844 684,668 255,1012 939,76
November 2026575 170,394 619,308 320,4512 939,76
December 2026566 784,064 553,438 386,3212 939,76
January 2027558 331,354 487,048 452,7212 939,76
February 2027549 811,714 420,128 519,6312 939,76
March 2027541 224,634 352,688 587,0812 939,76
April 2027532 569,574 284,708 655,0612 939,76
May 2027523 845,994 216,188 723,5812 939,76
June 2027515 053,354 147,118 792,6412 939,76
July 2027506 191,104 077,518 862,2512 939,76
August 2027497 258,694 007,358 932,4112 939,76
September 2027488 255,573 936,639 003,1212 939,76
October 2027479 181,173 865,369 074,4012 939,76
November 2027470 034,933 793,529 146,2412 939,76
December 2027460 816,283 721,119 218,6512 939,76
January 2028451 524,663 648,139 291,6312 939,76
February 2028442 159,473 574,579 365,1912 939,76
March 2028432 720,153 500,439 439,3312 939,76
April 2028423 206,093 425,709 514,0512 939,76
May 2028413 616,723 350,389 589,3712 939,76
June 2028403 951,433 274,479 665,2912 939,76
July 2028394 209,623 197,959 741,8112 939,76
August 2028384 390,693 120,839 818,9312 939,76
September 2028374 494,033 043,099 896,6612 939,76
October 2028364 519,022 964,749 975,0112 939,76
November 2028354 465,042 885,7810 053,9812 939,76
December 2028344 331,462 806,1810 133,5712 939,76
January 2029334 117,662 725,9610 213,8012 939,76
February 2029323 823,012 645,1010 294,6612 939,76
March 2029313 446,852 563,6010 376,1612 939,76
April 2029302 988,552 481,4510 458,3012 939,76
May 2029292 447,452 398,6610 541,1012 939,76
June 2029281 822,902 315,2110 624,5512 939,76
July 2029271 114,252 231,1010 708,6612 939,76
August 2029260 320,812 146,3210 793,4312 939,76
September 2029249 441,932 060,8710 878,8812 939,76
October 2029238 476,921 974,7510 965,0112 939,76
November 2029227 425,111 887,9411 051,8112 939,76
December 2029216 285,801 800,4511 139,3112 939,76
January 2030205 058,311 712,2611 227,4912 939,76
February 2030193 741,931 623,3811 316,3812 939,76
March 2030182 335,971 533,7911 405,9712 939,76
April 2030170 839,701 443,4911 496,2612 939,76
May 2030159 252,431 352,4811 587,2712 939,76
June 2030147 573,421 260,7511 679,0112 939,76
July 2030135 801,951 168,2911 771,4712 939,76
August 2030123 937,301 075,1011 864,6612 939,76
September 2030111 978,71981,1711 958,5912 939,76
October 203099 925,45886,5012 053,2612 939,76
November 203087 776,78791,0812 148,6812 939,76
December 203075 531,92694,9012 244,8612 939,76
January 203163 190,12597,9612 341,7912 939,76
February 203150 750,62500,2612 439,5012 939,76
March 203138 212,64401,7812 537,9812 939,76
April 203125 575,40302,5212 637,2412 939,76
May 203112 838,12202,4712 737,2812 939,76

Gazprombank'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 Gazprombank mortgage calculator will help you with this.

Important: Official coefficients when calculating mortgages at Gazprombank will not give reason to doubt the correctness of the calculation.

We update mortgage interest rates every day, taking them directly from Gazprombank. 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 Gazprombank loan calculator 2021 will help you with this.

Will I afford the mortgage?

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The Gazprombank mortgage calculator 2021 is just what you need so that you can weigh your chances of whether you can allocate money from the 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 Gazprombank'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:

SumTermOverpayment, %Overpayment, RUB.
1 million RUB.10 YEARS55%RUR 552,771
1 million RUB.15 YEARS88%RUB 879,604
1 million RUB.20 YEARS123%RUB 1,237,115
1 million RUB.25 YEARS162%RUB 1,621,090

From the table we can clearly see that if you take out a mortgage from Gazprombank for 25 years, the overpayment will be 162%. Gazprombank's mortgage calculator clearly showed this.

Refinancing programs

Many people who have taken out mortgage loans from other financial institutions and cannot cope with a high financial burden can contact Gazprombank and take part in the refinancing program. They will be able to calculate the size of future monthly payments using Gazprombank’s mortgage calculator. Gazprom has the following refinancing programs:

  1. A promotional offer that can be used by individuals with loans up to RUB 45,000,000. They will be able to reduce the current interest rate to 9.20%.
  2. Refinancing program at 8.80% per annum for loans whose amount does not exceed 45 million rubles.

Online application to Gazprombank

You can get a preliminary decision from the bank on a mortgage without visiting a branch. To do this, just fill out an application on the Gazprombank website.

It must indicate:

  • FULL NAME.;
  • telephone;
  • passport data;
  • residential address;
  • the city where you plan to apply for a mortgage;
  • desired mortgage parameters (term, amount, city of home purchase).

The application will be reviewed within 1 – 10 days. After its approval, the manager of Gazprombank will contact you and invite you to the branch to draw up a mortgage agreement.

Also read: Car loan terms at Gazprombank: interest rates, online application submission and borrower reviews

Using the Gazprombank mortgage calculator

Gazprombank's mortgage calculator allows you to find out:

  • monthly payment amount;
  • the amount that the bank will have to pay for the entire loan period;
  • the amount of overpayment on the loan.

To make calculations, new and regular clients can use the Gazprom mortgage calculator, into which you must enter the following data:

  1. Type of monthly payments: annuity or differentiated.
  2. The cost of the property purchased on credit.
  3. Down payment amount.
  4. Interest rate (annual).
  5. Duration of the loan.

After all the necessary information has been entered into the form, the client presses the “Calculate” button and after a couple of seconds all the information of interest will be displayed on the monitor screen.

No down payment

Despite the impressive list of mortgage lending programs offered by Gazprombank, there are no offers under which it would be possible to obtain a loan without providing a down payment. Its standard minimum amount is 15% of the value of the purchased property. In situations in which a mortgage is issued using funds from maternity capital, the minimum value can be reduced to 5%.

Mortgage

Pros and cons of Gazprombank mortgages

Pros:

  1. The range of programs is sufficient.
  2. The conditions are aimed at clients with different income levels.
  3. Gazprombank mortgage is possible without a down payment. The maximum loan amount is 10 million rubles, the term of the loan agreement is up to 30 years.
  4. Spouses can take on the mortgage debt burden together.
  5. The right to a method of monthly payments - annuity or differentiated

Minuses:

  1. There are serious requirements for the property (technical condition of the property), a capital foundation and metal floors. The new building must be 30% completed, otherwise the loan will be denied.
  2. Long processing time for applications.
  3. Using maternity capital for a down payment is allowed, but the borrower must contribute at least 10% of personal funds.

Read also:  Mortgage conditions for students for an apartment in Sberbank

Advantages and disadvantages

The advantages of mortgage lending at Gazprombank are as follows:

  • a significant reduction in conditions and requirements for Gazprom employees;
  • high level of reliability of the banking organization;
  • absence of any fines and penalties for early repayment of debt;
  • long loan term.

However, there are also disadvantages:

  • a fairly low percentage of approval of applications for mortgage lending from individual entrepreneurs and individuals who are not Gazprom employees;
  • a large package of required documentation;
  • It is mandatory to have only a good credit history (citizens with an empty credit history will most likely be denied a loan).
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