Every person needs their own home. However, due to the fact that the cost of apartments is quite high, especially in large cities, people have to take out a mortgage. Since a mortgage loan is issued for a long period, before applying for it, it is recommended to carefully study all the nuances and choose the option with the most attractive conditions. From this article you will learn how to best choose a bank for mortgage lending to various categories of citizens.
How to choose a bank for mortgage lending?
Those wishing to obtain a mortgage loan face a very difficult choice. The fact is that at the moment quite a large number of banking organizations are ready to offer such a service. Moreover, each bank has both its own advantages and disadvantages.
Therefore, before moving on to choosing a bank, it is recommended to understand the following points:
- First of all, decide why you are going to take out a loan . So, for example, if you want to purchase an apartment in a new building, then you will need to look for special programs designed for primary housing. If you have already found an apartment in a built building, then you need programs for secondary housing. In addition, there are programs for purchasing suburban real estate.
- After you decide on a loan program, you can move on to searching for banking organizations operating in your city and offering the loan programs you need. To do this, it will be convenient to use various Internet portals that post information about banking products.
What to look for when choosing a bank?
When you move on to choosing a specific bank from which you want to get a mortgage loan, pay attention to the following points:
- Interest rate . If you want to overpay as little as possible on your loan, then look for a bank that offers the minimum rate.
- Loan terms . This factor depends, first of all, on your financial capabilities. So, if you want the monthly payment to be minimal, then you need to look for an offer with a maximum loan duration. But keep in mind that in this case the amount of overpayment will be significantly higher.
- Possibility of repaying debt before the due date. This opportunity is available in all banks. However, some financial organizations impose certain penalties for repaying the debt earlier than the deadline specified in the agreement. So, if you are planning the possibility of early repayment, then you need to choose a lender who will not charge an additional fee for this.
Possible problems
It is advisable to use the services of a lawyer to review the contract. Banks can create “enslaving” conditions for young clients.
It must be taken into account that financial institutions are reluctant to provide loans to young applicants. Therefore, you can often find negative reviews about banks that have changed the terms of the loan term or put forward new requirements for the borrower.
You should clarify all one-time costs for obtaining a loan, the amount of compulsory insurance and penalties in case of early repayment of obligations.
4.2 / 5 ( 51 voice )
Secondary mortgage
Where is the best place to get a mortgage for a secondary home? If you are going to purchase an apartment on the finished housing market, we recommend that you pay attention to the following banks:
- Tinkoff
This organization has a special program called " Secondary Market ". With its help you can get money to buy ready-made real estate. The loan terms are as follows:
- Duration - from 1 year to 25 years.
- The loan amount is from 300 thousand to 100 million. rub.
- Amount of the first mandatory payment — 10%.
- The loan rate is from 8 to 14.49% per annum.
- The application is reviewed within 3 days.
- penalties for early repayment.
- Opening
This bank has many different mortgage lending programs. Among them there is also a loan for the purchase of secondary housing. Lending terms:
- Duration - from 5 to 30 years.
- Size - from 500 thousand to 30 mil. rub.
- The first payment is 15% of the total amount.
- The loan rate is from 8.7 to 9.45% per annum.
- It takes up to 3 business days to process your application
- penalties for early repayment.
- DOM.RF
Lending terms:
- The repayment period is from 3 to 30 years.
- The loan amount is from 300 thousand to 20 million rubles.
- The down payment amount is 20% of the cost of housing.
- Interest rate - from 9 to 9.25% per annum.
- penalties for early repayment.
- Interprogressbank
Mortgage terms:
- The loan term is from 3 to 30 years.
- The loan amount is from 300 thousand to 20 million rubles.
- The down payment amount is 20% of the cost of housing.
- Interest rate - from 8.25 to 8.75% per annum.
- penalties for early repayment.
- J&T Bank
Credit terms:
- The loan term is from 3 to 30 years.
- The loan amount is from 600 thousand to 20 million rubles.
- The down payment amount is 20% of the cost of housing.
- Interest rate - from 9 to 9.25% per annum.
- penalties for early repayment.
Which bank has the best mortgage loan?
Each potential borrower compares all the parameters and chooses which bank to take out a mortgage from. Today, 5 banks have the most optimal mortgage programs.
- Sberbank. This credit institution has the largest volume of all mortgages issued throughout Russia. The bank offers several attractive programs, including a military mortgage (from 8.8% per annum) for the purchase of new buildings (from 6.5% per annum). For owners of maternity capital, rates start at 8.8% per annum. For all programs, lending is possible for a period of up to 30 years, with an initial payment of 15–20%. The client can attract up to 3 co-borrowers. For Sberbank's salary clients, this is the most affordable mortgage for secondary housing (from 8.5% per annum with a down payment of 15%).
- VTB. Mortgage loan rates start at 8.9% per annum. The maximum maximum mortgage amounts are impressive, in particular for secondary housing - up to 60 million rubles. Down payment 20%. There are special programs for preferential categories of borrowers; for them, the down payment limit is reduced to 10–15% of the cost of housing.
- Rosselkhozbank. Rates start at 9.75% per annum. It is possible to purchase a separate plot of land. The bank can issue a client up to 20 million rubles. for up to 30 years. You can attract co-borrowers. At the client's choice, the loan repayment scheme can be either annuity or differentiated payments.
- Gazprombank. Mortgage loan rates start at 8.7% per annum, with a maximum term of 30 years. The bank requires a down payment of 10%, and for owners of maternity capital - only 5%. It is possible to purchase a garage or parking space. Under all mortgage programs, the bank will refuse the borrower if he has a damaged credit history.
- Opening. Mortgage rates start at 8.35% per annum. For borrowers receiving payments from this bank, the minimum down payment is only 10%. The maximum the client can count on is 30 million rubles. with a loan term of up to 30 years. There is a special program for the purchase of apartments (from 10.3% per annum) and a number of others with rather lenient conditions.
- TransCapitalBank. Issues and refinances mortgages at 6.99% - one of the most profitable mortgage banks in 2021. The maximum mortgage term is 25 years. It is possible to approve a mortgage loan based on 2 documents with a low official salary. The minimum down payment is 5%. If you have unofficial income and you can document it, the bank will take this into account as an additional source of income, which will increase the chances of issuing a mortgage. You can submit an application without leaving your home on the official website: https://www.tkbbank.ru/mortgage.
In the tables below you will find a more detailed list of banks that will help you finally decide on the choice of the most profitable bank for obtaining a mortgage. Our online mortgage calculator will help you calculate your mortgage.
New buildings
| Bank | Bid, % | PV, % | Duration, years | Experience, months | Age, years | Note |
| Sberbank | from 7.30 | 15 | up to 30 | from 6 | 21-75 | The rate is valid when purchasing an apartment from a partner developer. 6% participate in the family state program. |
| VTB Bank | from 8.90 | 10 | up to 30 | from 12 | 21-65 | When purchasing an apartment over 65 sq. m. rate from 10.10% |
| Gazprombank | from 8.70 | 10 | up to 30 | from 6 | 20-65 | Continuous work experience of 1 year, discount for salary earners -0.5%, and -0.2% when purchasing bank partner developers from AN. |
| Rosselkhozbank | from 9.75 | 15 | up to 30 | from 6 | 21-65 | Deferment and PV from 10% for young families and when using maternity capital. |
| Alfa Bank | from 8.49 | 15 | up to 25 | from 6 | 23-64 | Favorable conditions for young families, Reduction of PV by up to 10% in the presence of maternity capital. |
| Bank "FC Otkritie" | from 8.35 | 10 | up to 30 | from 3 | 18-65 | When registering on the website, the percentage is reduced by 0.25%. Salaries receive 10% PV. The rate is 9.35% with a PV of 50%, with a 2NDFL certificate and subject to apartment, life and health insurance. |
| Raiffeisenbank | from 8.79 | 15 | up to 30 | from 3 | 21-60 | Total experience of 2 years. White credit history. |
| Rosbank | from 6.99 | 15 | up to 25 | from 3 | 20-64 | Additional loan for personal care, state support, deferment for young families, maternity capital. |
| Promsvyazbank | from 8.30 | 20 | up to 25 | from 4 | 21-65 | Total work experience of 1 year. |
| Credit Bank of Moscow | from 7.00 | 20 | up to 20 | from 6 | 18-65 | The rate is valid when purchasing an apartment from partner developers, when taking out comprehensive insurance, PV 20%. |
| BinBank | from 8.35 | from 5* | up to 30 | from 1 | 21-65 | *PV 5% when using maternal capital. At least 1 year of experience in one field of activity. From January 1, 2021, BinBank and Otkritie Bank merged under the Otkritie brand. |
| Uralsib | from 8.99 | 10 | up to 30 | from 3 | 18-70 | New buildings from reliable partners. Consideration of a mortgage based on 2 documents. |
| DeltaCredit Bank (Rosbank Dom) | from 6.99 | 15 | up to 25 | from 2 | 20-64 | Additional credit for PV. Parents can get a mortgage for an apartment for their children. |
| Svyaz-bank | from 9.20 | 15 | up to 30 | from 4 | 21-65 | Total experience from 1 year. Mandatory collateral insurance. Discount for salary earners -0.50%, and VEB employees -0.75%. Increase in rate in the absence of insurance. |
| Absolut Bank | from 9.24 | 20 | up to 30 | from 6 | 21-65 | 6% participate in the family state program. Continuous experience of 1 year. |
| Renaissance | from 8.35 | 10 | up to 30 | from 6 | 18-65 | |
| UniCredit Bank | from 9.40 | 15 | up to 30 | from 6 | 21-65 | 6% participate in the state program. |
| TranscapitalBank | from 6.99 | from 5* | up to 25 | from 3 | 21-75 | 6% participate in the state program. *PV 5% when contributing maternity capital. Total work experience of 12 months. |
| ZapSibComBank | from 10.20 | 10 | up to 30 | from 6 | 21-65 | It is possible to make mat capital as a down payment and obtain a mortgage using 2 documents. |
| AK Bars | from 8.80 | 10 | up to 25 | from 3 | 18-70 | -1% when signing a personal or group insurance contract. |
| Zenith | from 8.90 | 15 | up to 30 | from 4 | 21-65 | Reducing PV to 5% at the expense of maternal capital. Family mortgage at 6% with PV 20%. |
| AHML | from 8.30 | 10 | up to 30 | from 6 | 21-65 | Family mortgage at 6%. |
| Tinkoff | from 9.25% | 10 | up to 30 | from 3 | 21-75 | The specificity of the bank is the transfer of documents to partner banks; the bank itself does not provide mortgages, but is only an intermediary. |
Secondary
| Bank | Bid, % | PV, % | Duration, years | Experience, months | Age, years | Information |
| Sberbank | from 8.8 | 15 | up to 30 | from 6 | 21-75 | The rate is valid when registering electronically, as part of the “Young Family” campaign and when approving an apartment through DomKlick, subject to life insurance. |
| VTB Bank | from 8.90 | 10 | up to 30 | from 12 | 21-65 | Mortgage without proof of income from 10.60% with a down payment of 30%. When purchasing an apartment over 65 sq. m. rate from 10.10% |
| Gazprombank | from 8.70 | 10 | up to 30 | from 6 | 20-65 | Continuous work experience of 1 year, discount for salary earners -0.5%, and -0.2% when purchasing bank partner developers from AN. |
| Rosselkhozbank | from 9.75 | 15 | up to 30 | from 6 | 21-65 | Deferment and PV from 10% for young families and when using maternity capital. |
| Alfa Bank | from 9.19 | 15 | up to 25 | from 6 | 23-64 | Special conditions for young families, reduction of PV to 10% in the presence of maternity capital. |
| Bank "FC Otkritie" | from 8.75 | 10 | up to 30 | from 3 | 18-65 | Continuous work experience of 1 year. When registering on the website, the rate is 0.25% lower. Salaries receive 10% PV. The rate is 9.35% with a PV of 50%, with a 2NDFL certificate and subject to apartment, life and health insurance. |
| Raiffeisenbank | from 8.99 | 15 | up to 30 | from 3 | 21-60 | Experience of at least 3 months with a total experience of 2 years. No bad credit history. |
| Rosbank | from 6.99 | 15 | up to 25 | — | 20-64 | Additional loan for personal care, state support, deferment for young families, maternity capital. Nationality doesn't matter. |
| Promsvyazbank | from 8.80 | 20 | up to 25 | from 4 | 21-65 | Total work experience of at least 1 year. |
| Credit Bank of Moscow | from 9.50 | 40 | up to 20 | from 6 | 18-65 | |
| BinBank | from 8.75 | from 5* | up to 30 | from 1 | 21-65 | *PV 5% when using maternal capital. At least 1 year of experience in one field of activity. From January 1, 2021, BinBank and Otkritie Bank merged under the Otkritie brand. |
| Uralsib | from 9.29 | 10 | up to 30 | from 3 | 18-70 | |
| DeltaCredit Bank (Rosbank Dom) | from 8.49 | 15 | up to 25 | from 2 | 20-64 | Additional credit for PV. Parents can get a mortgage for an apartment for their children. |
| Svyaz-bank | from 9.30 | 15 | up to 30 | from 4 | 21-65 | Discount for salary earners -0.50%, and VEB employees -0.75%. Increase in rate in the absence of insurance. |
| Absolut Bank | from 9.24 | 20 | up to 30 | from 6 | 21-65 | Continuous experience of 1 year. |
| Renaissance | from 8.35 | 15 | up to 30 | from 6 | 18-65 | |
| UniCredit Bank | from 9.40 | 15 | up to 30 | from 6 | 21-65 | The rate under the “Mortgage Calling” program is 9.75% |
| TranscapitalBank | from 6.99 | from 5* | up to 25 | from 3 | 21-75 | *PV 5% when contributing maternity capital. Total work experience of 12 months. |
| ZapSibComBank | from 10.20 | 10 | up to 30 | from 6 | 21-65 | It is possible to make mat capital as a down payment and obtain a mortgage using 2 documents. |
| AK Bars | from 8.80 | 10 | up to 25 | from 3 | 18-70 | -1% when signing a personal or group insurance contract. |
| Zenith | from 8.90 | from 5* | up to 30 | from 4 | 21-65 | *Reducing PV to 5% at the expense of maternal capital. |
| AHML (DOM.RF) | from 8.80 | 10 | up to 30 | from 6 | 21-65 | Easy mortgage with 2 documents at 11% with PV from 35%. Possibility to choose a variable rate. The rate is 9.95 with a PV of 30%. |
| Tinkoff | from 9.25% | 10 | up to 30 | from 3 | 21-75 | The specificity of the bank is the transfer of documents to partner banks; the bank itself does not provide mortgages, but is only an intermediary. |
Where can I get a mortgage for housing under construction?
There are very few loan programs for the purchase of housing under construction. However, they have the most attractive conditions.
So, if you want to get such a loan, you can do it in the following organizations:
- Tinkoff
Loan characteristics:
- The repayment period of the debt is from 1 year to 25 years.
- The loan size is from 300 thousand to 100 million rubles.
- The first payment is 10% of the cost.
- Interest rate - from 6 to 12.7% per annum.
- Gazprombank
Loan characteristics:
- The loan is provided for a period of up to 30 years .
- The maximum amount of money issued is unlimited. The minimum amount is 500 thousand.
- Down payment — 10%.
- Loan rate — 9%.
- penalties for early repayment.
- Sberbank
Basic information:
- Duration - from 3 to 30 years.
- Amount - from 500 thousand to 8 million rubles.
- Down payment — 20%.
- Interest rate — 6%.
We recommend reading: what is deposit insurance - the maximum amount of compensation, insurance conditions and payments. TOP 5 alternatives to a deposit - where is it profitable for an individual to invest money? See the answer here.
How to get a loan from MFO Platiza.ru online on a card - https://wikiprofit.ru/finances/mfo/mfo-platiza-ru.html
Lowest mortgage rates
Low rates for housing under construction (primary market).
The maximum term is 30 years. In this case, the down payment cannot be less than 15% of the total cost of the property. At the same time, several different government programs are being implemented through the bank to support young families, military personnel, and so on. Under certain conditions, it is possible to reduce interest rates to minimum values and even lower. Mortgage rates in Sberbank from 05/16/2021
| Program | Rate from % |
| State support 2021, from 0.1% for the first year | 0,1% |
| New buildings (purchase of housing under construction) | 4,1% |
| Finished real estate (on the secondary market) | 7,7% |
| Refinancing mortgages from other banks | 7,9% |
| Mortgage for families with children with state support, from 0.1% for the first year | 0,1% |
| Construction of a residential building | 9,2% |
| country estate | 8% |
| Mortgage + maternity capital | 4,1% |
| Military mortgage | 7,9% |
| Garage loan (parking space) | 7,9% |
Mortgage interest rates at VTB as of May 13, 2021
| Mortgage with state support 2020 | from 5.8% |
| New building | from 7.4% |
| Secondary housing | from 7.4% |
| Mortgage with state support for families with children | from 5% |
| Mortgage refinancing | from 7.8% |
| Far Eastern mortgage | 1% |
| Victory over formalities | from 7.4% |
Mortgage rates in Alfa-Bank from 05/13/2021
| Program | Interest rate |
| Secondary housing (finished housing) | from 8.09% |
| Housing under construction (primary market) | from 5.59% |
| Mortgage refinancing | from 7.99% |
Mortgage rates in Gazprombank from 05/13/2021
| Program | Conditions |
| Preferential mortgage | from 5.5% |
| Mortgage "New settlers" | from 7.5% |
| Family mortgage | from 5.2% |
| Refinancing | from 8.8% |
| Military mortgage | from 7.8% |
| Parking space | from 10.7% |
| Far Eastern mortgage | from 0.9% |
Mortgage rates at Otkritie Bank from 05/13/2021
| Program | Interest rate |
| Preferential mortgage with state support | from 5.59% |
| New building | from 7.5% |
| Secondary housing | from 7.6% |
| Family mortgage | from 4.65% |
| Apartments | from 7.8% |
| Military mortgage | from 7.6% |
| Secondary + Maternity capital | from 7.6% |
| New building + Maternity capital | from 7.5% |
| Refinancing | from 7.5% |
| Refinancing a military mortgage | 7,3% |
Mortgage for pensioners
Where can pensioners get a mortgage? Not so long ago, pensioners could not get mortgage loans from any Russian bank. However, at the moment there are many loan programs that allow people aged 55–60 to purchase housing. Rates for such programs range from 10–16 percent.
The maximum repayment period in this case is no more than 10 years. However, you can count on more acceptable conditions in some cases. For example, if there are guarantors.
Which banks provide mortgages against maternity capital?
If you want to use your maternity capital certificate to purchase housing with a mortgage, then you need to contact those banks that have developed special loan programs. Among these banks the following can be noted:
- Unicredit . This bank has developed many mortgage programs with maternity capital. You can learn more about the conditions for obtaining a mortgage on the website.
- Sberbank . The largest banking organization in Russia. A large share of shares is controlled by the state. Therefore, there are many programs using maternity capital.
- VTB 24 . Another state bank. Here you can also get money for housing using a maternity capital certificate.
