Mortgage at RosselkhozBank: list of required documents, available programs

For many Russians, a mortgage remains the only way to purchase a home, since it can take several decades to save the necessary amount on your own. To apply for a home loan in one of the leading banks in the country, you should consider what mortgage documents may be required by RosselkhozBank. The programs currently available at this bank allow you to get a long-term mortgage at a reasonable interest rate, but you should consider what features the RSHB has.

What documents are needed for a mortgage at Rosselkhozbank?

To obtain a mortgage loan from Rosselkhozbank, you need to collect a certain package of documents. This can be done in a short time. In exceptional cases, additional information may be required. In addition to documents for the borrower, it is also necessary to collect information about guarantors or co-borrowers.

Necessary documents for obtaining a mortgage at Rosselkhozbank:

1. Russian citizen passport.
2. Certificate in the form of a bank or 2-NDFL for the last six months at one workplace.
3. If there is a child, then his birth certificate.
4. Document on divorce or marriage.
5. For young people under 27 years of age, registration certificate, military ID.
6. An application filled out according to the bank's model.
7. If there are benefits, they must be confirmed.
8. A copy of the work book issued and signed by the employer; for individual entrepreneurs - a registration certificate.
9. Documents for the purchased house or apartment.

Consideration of an application for a mortgage at Rosselkhozbank takes place individually.

Mortgage for primary and secondary housing in Rosselkhozbank

The minimum interest rate on mortgages for secondary housing at Rosselkhozbank is 9.35% per annum. If the client plans to purchase real estate under an agreement for participation in shared construction from bank partners, then the interest rate can be reduced to 9%. Young families receive additional discounts. A loan is issued under such a residential mortgage lending program at the Russian Agricultural Bank for a period of up to 30 years. The down payment on a mortgage when purchasing an apartment on the secondary or primary housing market under a purchase and sale agreement or under an equity participation agreement, as well as a house with a land plot, must be at least 15%. If the borrowed amount is more than 7 million rubles or the income is taken into account by private household plots, then the down payment on the housing loan must be 20% or more. If you plan to use borrowed funds to purchase a private house with a plot of land, then the initial mortgage payment at Rosselkhozbank should be 25% or more.

It is possible to attract no more than 3 individuals as co-borrowers to obtain a mortgage for secondary housing at Rosselkhozbank.

The maximum you can receive under this program is up to 60 million rubles. There is no fee for issuing a loan. An online application for a mortgage at Rosselkhozbank is considered within 5 working days. To formalize the contract, the borrower must provide a full package of documents (including papers confirming the level of required earnings).

Documents on the loaned object

When applying for a mortgage from Rosselkhozbank, you need to know that the loan amount must be equal to the value of the property. However, the bank takes into account the reserve associated with possible changes in market prices.

To apply for a mortgage at Rosselkhozbank, you must provide documents with information about the technical characteristics of the apartment being purchased, as well as its ownership status. You can obtain the paper through an extract from the Unified State Register of Real Estate . The document is valid for one month from the date of submission of the mortgage application to Rosselkhozbank.

The document states:

• Number of floors, number of rooms and their total area.
• Availability of utilities.
• Identification information.
• Are there other owners, court injunctions and other factors preventing the sale.

Rosselkhozbank will refuse mortgage lending if the house is in disrepair or is subject to demolition, as well as if there are other owners or there is a ban.

When purchasing a private house, the stability of the load-bearing structures, the foundation, and the soil will be taken into account. If questions arise, a repeat construction examination will be scheduled.

How to fill out an application at a bank branch?

The application form on paper must be filled out in black or blue ink, legible handwriting, and block letters. Filling out on a computer is allowed. What points does the form contain and what needs to be indicated:

1. Date of application, branch branch (number and address).
2. Information about the loan product. It is necessary to indicate the type of loan product (mortgage), the amount and currency of the loan, the purpose of receiving funds (purchase of finished housing, new buildings, construction of a house, etc.), the size of the down payment, the presence or absence of collateral. Here you need to choose a loan repayment scheme: annuity or differentiated payments.
3. Information about the purchased property. You must indicate the estimated price of the object, its location address, area, and technical characteristics of the building.
4. Information about receiving a subsidy.

You will need to indicate the details of the certificates and the amount of financial assistance.

• Personal information: full name, education, passport details. Those who apply for a mortgage using two documents are required to enter the details of their international passport, driver’s license, INN or SNILS.

• 
  Contact information: telephone numbers (mobile, home, work) and email address.

• Residence address (actual and registered). Here you also need to indicate on what basis the borrower lives at the specified address (under a rental agreement, with relatives, owned housing).
• Information about work activity: type of organization (budgetary, commercial, individual entrepreneur, etc.), employer details (TIN, telephone number, legal name), field of activity, position, work address, length of service.
• Family information. You need to indicate your marital status, whether there are children, the number of dependents, and whether you have a marriage contract. The borrower must also write whether there are plans to change the composition of the family in the near future (divorce, birth of children, marriage, etc.).
• Spouse details: full name, place of work, position, telephone number. If the borrower has one of his relatives working at Rosselkhozabank, then this information is indicated in the same paragraph.
• Information about private household plots: ownership of land, number of buildings, area of ​​land, distribution channels for products. The item is filled out by owners of personal subsidiary plots.
• Income. You need to indicate the method of confirming the size of your salary: 2NDFL certificate, according to the bank form, etc. Here you need to indicate all sources of income: main place of work, rental business, private household plots, part-time work, pension, etc. In a separate field, indicate the average monthly family income (with taking into account the spouse's salary).
• Expenses. This paragraph indicates the presence of debt obligations (current loans), guarantees, mandatory expenses (payment for housing and communal services, alimony, training, etc.). Here you also need to indicate the amount that the borrower can allocate monthly from the total budget to repay the loan.
• Property information. Data on real estate, vehicles and other liquid assets owned by the borrower are indicated.

Additionally, the borrower must provide information about the bankruptcy procedure and the presence of outstanding court decisions. You are also required to indicate your relationship with military service, the number of trips abroad over the past six months, as well as the source of funds for the down payment.

The form can be filled out at the branch in the presence of a bank employee, or at home. The advantage of filling out an application at a bank is that the employee will provide an example of how to fill out the form. The completed application must contain the borrower's signature , as well as marks of consent to the processing of personal data.

For the purchase of real estate

To obtain a mortgage from Rosselkhozbank for the purchase of real estate, you must provide the following list of documents :

1. Copies of documents confirming ownership of a house or apartment.
2. Technical passport and extract from the Unified State Register.
3. An extract from the real estate valuation report. You can obtain it from appraisers authorized by the banking organization.
4. Certificate from the Ministry of Internal Affairs about those registered in the living space.
5. Notarized consent to pledge real estate from the spouse, if he (she) is not among the co-borrowers.

Mortgage for the purchase of a private house with land or only a plot of land

Those interested can submit an online application for a mortgage to Rosselkhozbank to purchase a plot of land with or without residential real estate (private house, townhouse). Interest rates for this residential mortgage loan program depend on the borrower's status and loan amount. If a loan is issued for an amount of up to 3 million rubles per person with a positive credit history or a salary client, then the interest rate will be equal to 9.60% per annum. If the amount is more – 9.30%. If a mortgage loan from Rosselkhozbank is taken out by an individual who is not included in the above groups, then the interest rate will be 10.7% for a loan amount of less than 3,000,000 rubles, and 11.0% per annum if the borrowed amount is greater.

You cannot get a mortgage from the Russian Agricultural Bank for the construction of a residential building (this credit company does not have a program for individual housing construction).

For construction according to DDU

In this case, before considering the mortgage application, Rosselkhozbank will check the developer. The financial institution needs guarantees that the house will be built.

The following list must be attached to the main package of documents:

• Extract from Rosreestr.
• A document confirming land ownership or a long-term lease agreement.
• Confirmation of official permission to construct the building.
• Project declaration.

Plus, the conditions say that it is necessary to prepare a sample share participation agreement.

Features of consumer lending at RosselkhozBank

In this banking institution, clients can take advantage of various loan offers, each of them has its own advantages and features. Loan products are designed specifically for a specific category of borrowers.

Several times a year, RosselkhozBank launches promotions, under the terms of which you can get a loan with a reduced interest rate. In 2021, under a special offer, consumer loans are issued at 11.5% per year. You can use it during June by submitting an application on the official website or in the office.

Affordability is the main feature of all consumer loans. The second important advantage is the ability to submit an online application for a cash loan at RosselkhozBank.

This service works for all programs from the consumer lending range and provides a comfortable and quick solution to the problem of obtaining missing funds.

For the construction of a residential building

You can get a mortgage for the construction of a building from Rosselkhozbank by providing the following documents:

1. An extract from the Unified State Register of Real Estate, which indicates the cadastral number and boundaries of the land plot.
2. Official permission to construct the facility.
3. Contract with the contractor, cost estimate.
4. A document confirming ownership of the plot.

Today, Rosselkhozbank does not have such a mortgage offer. You can get a loan at 9% only for the purchase of land or for participation in shared construction.

For other construction work, installation of engineering systems, restoration, Rosselkhozbank offers a non-targeted loan. This option can be used at your own discretion, but the rate is higher from 10.7% .

To receive a large amount, you must provide other real estate and the following list of documents as collateral:

• Extract from the Unified State Register of Real Estate.
• A paper confirming the right to own the object.
• Notarized consent of the wife (husband) and guardianship authorities for the transfer of real estate as collateral.

Online application for a loan at RosselkhozBank

The lending sector has a huge impact on the life of a modern person. To satisfy your needs, you can always turn to one of the largest banks in Russia for financial support.

Every third Russian seeks to submit an online application for a loan at RosselkhozBank. Why? Because the bank is one of the 30 largest Russian banks. It was founded in 2000 by order of V.V. Putin. As of 2021, the bank's authorized capital amounted to 334 billion rubles, and the number of regional offices was 76. The main office is located in Moscow.

By submitting an online application for a loan at RosselkhozBank, you can count on receiving funds in the required amount and for various purposes, including buying a car, improving living conditions, and developing a subsidiary farm.

For a mortgage using two documents

A mortgage based on two documents is a more simplified lending option from Rosselkhozbank. It differs from the usual one only in that it is not necessary to provide information about work and salary received.

you need to submit the following documents to Rosselkhozbank :

1. Application completed in accordance with the bank's form.
2. Passport of a citizen of the Russian Federation, military identification card.
3. Documents for the purchased property.
4. Second document confirming your identity.

For married people, you must provide this list with:

• Wife's (husband's) passport.
• Consent to receive a mortgage from Rosselkhozbank.

For this mortgage lending option, higher rates are set from 10.7%, as well as more stringent conditions for a down payment of at least 40%. The application is considered longer than for a regular mortgage, up to 2 weeks. After approval, insurance is issued and the deposit is registered.

Features of obtaining a mortgage loan from RSHB

The procedure associated with registering a mortgage with 2 documents at Rosselkhozbank consists of the following important steps:

1. Preparation of necessary documents.
2. Submitting an official application, which will be reviewed within 5 days. The resulting positive decision is valid for three months.
3. Accommodation is being selected. After choosing the best option, you will need to contact one of the appraisers who are accredited by the Russian Agricultural Market. The resulting assessment of the residential premises is submitted to the bank.
4. A loan agreement, purchase and sale agreement and an official agreement for collateral insurance are concluded. All completed and completed documents must be signed.
5. Official registration of the transaction. To do this, you need to submit an application to Rosreestr to enter official information regarding the concluded transaction.

After completing the registration process, you will need to obtain an extract and provide a copy of it to the bank. After receiving a positive decision, you will need to visit a bank branch to take a photo and check your passport information.

According to maternal capital and the “Young Family” program

To obtain a preferential mortgage from Rosselkhozbank, you need to fulfill certain conditions and provide the following set of documents :

1. An application completed in accordance with the established bank form.
2. Passport.
3. For young people under 27 years of age, registration certificate, military ID.
4. If there is a child, then his birth certificate.
5. Marriage document.
6. Salary certificate.
7. A copy of the work record book signed by the employer.
8. Information from the Pension Fund of the Russian Federation on the amount of finance allocated.
9. Certificate of disposal of maternity capital.

The money available under the maternity capital program must be sent to the bank within 3 months from the date of loan approval.

Lending with state support under the “Young Family” program is intended for married citizens if the age of one of the spouses is less than 35 years. At the time of issuing a loan from Rosselkhozbank, the child should not be more than 3 years old.

Requirements for borrowers

In order for Rosselkhozbank to approve a mortgage for secondary or primary housing, the borrower must comply with a list of established standards. First of all, the client must be at least 21 years old. The age of the borrower, which he will reach by the time the debt is repaid, is also taken into account and it should not exceed 65 years. The maximum age can be increased by 10 years, but only if the following condition is met: the client attracts a co-borrower who will be under 65 at the time of closing the mortgage.

Loans are issued only in ruble currency and only to Russian citizens who are registered in the region where the bank operates. Equally important is the borrower’s income and work experience, the minimum period of which differs for different categories of clients. Thus, it is enough for salary borrowers to have six months of official continuous employment over the last 5 years and at least 3 months of work experience in their current job. The remaining clients must work for at least six months in the last place and at least a year in total.

Remember that before applying for a mortgage, you should thoroughly study all the nuances and calculate the loan using an online calculator. This will allow you to soberly assess your capabilities and not become a hostage to your own short-sightedness.

Refinancing

By using the mortgage refinancing service at Rosselkhozbank, you can repay an already issued loan and apply for a new one at a more favorable interest rate.

To do this, you additionally need to bring:

• An agreement with another bank with all amendments to it.
• Information about the status of the debt.

The certificate of remaining debt is valid for 30 days from the date of receipt. It must contain the following information :

1. Number, date of issue and other information from the current contract.
2. The amount of the loan issued, its currency.
3. Repayment schedule.
4. Interest rate.
5. Debt repayment period.
6. The amount of debt.

After the refinancing is approved, you must bring it to Rosselkhozbank:

• Within a month, a document confirming payment of all debts.
• Within 1.5 months, confirmation of registration of the pledge in favor of Rosselkhozbank.

Refinancing a military mortgage at Rosselkhozbank requires the provision of a valid loan agreement, which is proof of participation in the state mortgage program for the military for at least 3 years.

Also, for those who want to reduce their financial burden, Rosselkhozbank provides a mortgage with state support at a rate of 4.7% . Mandatory requirement for receiving the birth of the 2nd or subsequent child from 01/01/2018 to 12/31/2022 . Refinancing under this program is carried out upon provision of a standard package of documents and birth certificates of children.

If you are building a house yourself

The list of documents required for obtaining a mortgage can be changed at the discretion of the management of Rosselkhozbank, so it is better to check it in person at the branch. For advice, call the hotline number: 8 800 200-02-90

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Question-answer section:

2019-10-04 13:24

Irina

Good afternoon. What documents are required to apply for a mortgage? Is it possible to make a down payment on an apartment of 10%? The total amount of the apartment is 2000000

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Answered by Elena Sharomova, expert on credit and financial products

Irina, the minimum down payment is 15% of the property value. The list of required documents is in the article and on the bank’s official website

2019-09-17 12:31

Julia

Hello. Please tell me how many days is the certificate in the bank form and the 2NDFL certificate valid in your bank?

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Hide answer

Answered by Elena Sharomova, expert on credit and financial products

Yulia, in any banking institution, an income certificate is valid for a month from the date of its issue. If you did not manage to contact the bank within 30 days, you need to prepare a new document

2018-08-15 07:03

Julia

Hello, my husband wants to take out a mortgage of 800,000 rubles, down payment mat. capital 453 thousand Salary 18 thousand We want to take it for 20 years, what is the likelihood of approval?

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Hide answer

Answered by Elena Sharomova, expert on credit and financial products

Yulia, your husband’s salary is not enough to repay the loan, taking into account the dependent children and you. It is necessary to have a total income of at least 35-40 thousand, look for co-borrowers

2019-07-01 14:30

Natalia

Hello! My husband and I live in a civil marriage, he works officially, earns 25,000 rubles, can he take out a mortgage for 600,000 with a contribution of 100,000 to buy a house?

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Hide answer

Answered by Elena Sharomova, expert on credit and financial products

Natalya, we don't do calculations. All payments are made at the bank branch. Your common-law husband can leave an online application on the official website of Rosselkhozbank

2018-09-12 09:18

Regina

Good morning!! Tell me, my husband’s salary is 70 thousand rubles, I have 35 thousand rubles, two children, I have financial capital, can we be approved for a mortgage to buy an apartment in the amount of 5,000,000?

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Hide answer

Answered by Elena Sharomova, expert on credit and financial products

Regina, for such an amount you must have a down payment of at least 20%, i.e. 1 million rubles, maternity capital alone is not enough to cover it

View all questions and answers ⇒

05/16/2019 Information about the authors | Category: Mortgage

conclusions

The article describes what documents are required to obtain a mortgage loan from Rosselkhozbank for 2021. From the above, the following conclusions can be drawn :

• The collection of documents must be carried out taking into account all the features of the selected loan program.
• To clarify current mortgage conditions, you can contact the nearest branch of Rosselkhozbank, make a request in writing or call the numbers listed on the official website in the contacts section.
• Taking out an insurance policy is included in the standard conditions when receiving a loan.
• Mortgage documents must be filled out accurately, without erasures, corrections or other defects.
• You can use mortgage lending from Rosselkhozbank not only to purchase a new house or apartment, but also to purchase secondary housing.
• You can calculate the approximate amount of the monthly payment using a loan calculator; to do this, you need to enter the loan amount, interest rate, down payment amount, and more.

• In cases where identification is impossible, you need to restore the document from an archived copy.
• In certain cases, when applying for a mortgage at Rosselkhozbank, additional documents may be required.
• If you have any difficulties filling out an application for a mortgage, you can contact the Rosselkhozbank information support service by calling the phone number in the contacts section.

There is no need to refuse to take out life insurance. An insurance policy will not only reduce interest costs, but also reduce the risk of financial losses in case of trouble. Insurance is usually issued in favor of the bank.

Rosselkhozbank mortgage calculator

A mortgage calculator will help you calculate the mortgage amount at Rosselkhozbank online, as well as interest rates and the size of the monthly payment. In order for the calculation results to be as close to reality as possible, you should use the calculator on the page of the exact mortgage program for which you plan to take out a loan. However, it is worth considering that the results that Rosselkhozbank’s online mortgage calculator will produce will still be approximate. Exact calculations can be made with the bank manager upon personal contact at one of the branches of the credit company.

The borrower can select the property in advance, but we recommend that you do not make a deposit or sign until the online mortgage application is approved by the Russian Agricultural Bank.

Features of a mortgage

Without going into the scientific definition of this concept, a mortgage in the general understanding of our citizens is a type of loan that can be obtained to purchase your own home. But for some reason, many people are afraid of a mortgage, because when it is taken out, it is the property being purchased that becomes collateral for the loan. The population is afraid of being left without housing. In addition, people with low earnings, living in not very favorable conditions, do not apply to banks at all, because they believe that given their level of income, the bank will immediately refuse. There are too many reasons why many people do not dare to change their lives for the better.

But these are all fears; in fact, the last year has become so favorable in the mortgage lending segment that almost everyone who applied, with normal stable work and a good credit history, was able to become the owner of an apartment.

Features of mortgages in Russia:

• The interest rate is quite low compared to other CIS countries and, according to experts, will be 8% - 9% in 2021;
• When applying for a loan, banks require a fairly small down payment, which is about 10–15% of the cost of housing;
• It is possible to refinance a mortgage loan, that is, if there are more favorable lending conditions, the borrower can easily reissue an existing loan on more favorable terms;
• There is a wide range of preferential programs from the state that allow certain categories of citizens to obtain a loan on more favorable terms. For example, mortgages for young families, military mortgages, etc.;
• It is possible to get a loan by paying a down payment using your existing maternity capital. This is a unique opportunity, since you can immediately pay almost 430 thousand rubles using your existing certificate, and borrow the remaining amount. Thus, a couple with two children does not need their own funds for a mortgage at all.

As a result, such advantages should make everyone think about whether they really need to contact Rosselkhozbank and apply for a loan. And further about the conditions under which this can be done.

Loan calculator of Rosselkhozbank.

Let's try to calculate approximately the amount of payments on a consumer loan at the Russian Agricultural Bank using the Rosselkhozbank loan calculator.

The figure shows the RSHB payment table. Main columns of the payment schedule

1. Date - the date on which the loan must be paid.
2. Payment amount - the amount of the next loan payment. Consists of repayable debt and interest on the loan amount.
3. Principal debt is the amount to repay the loan.
4. Interest is the interest accrued on the principal at the maturity date.
5. Debt balance - how much of the loan remains to be paid. This is, in principle, the amount of full repayment of the loan without taking into account the next payment
6. Early repayments - this column displays the amount of additional payments on the loan. If there was a change in the rate, the new loan rate is displayed.
7. Loan overpayment - the total cost of the loan, taking into account insurance, interest and loan fees.
8. Current payment - displays the amount we must pay in the current month (the current date is taken from the server)
9. Final tax deduction - this resulting calculation parameter is relevant for a mortgage loan. The tax deduction consists of a percentage of the loan amount and a percentage of the interest paid on the loan. You can receive a tax deduction at work.
10. Purchase deduction is a deduction from the loan amount. The loan amount is specified in the loan agreement and is fixed
11. Interest deduction is the amount of 13% of the paid interest on the loan. With the addition of early repayments, the amount decreases.

To calculate loans at the Russian Agricultural Bank, you can also use this version of the calculator

Source:
https://mobile-testing.ru/rosselhozbank_onlajn_zayavka_/

How to apply for an online loan at RosselkhozBank?

To gain confidence in the positive result of applying for a loan, it is advisable to familiarize yourself with the bank’s requirements regarding the age, citizenship and solvency of the potential borrower.

If the client meets all the requirements and is satisfied with the parameters of the loan program, then the process of cooperation with the bank can be initiated.

There are two options for submitting a loan request:

• Personal appeal to any of the bank's departments. To do this, you should take your general passport with you. During a conversation with the manager, you can receive complete and detailed information about the loan parameters and fill out an application. The final verdict on the possibility of issuing a loan will be received after 2-3 days;

To apply for a cash loan for a large amount, it is better to submit an application at one of the RosselkhozBank branches. On site, an employee will recommend a profitable program, make a preliminary calculation and help with filling out the application.

• There is a more efficient and convenient way, which is offered by RosselkhozBank - an online loan application. The application form can be found on the official website of this financial institution.

Once you have selected a suitable and profitable loan product, just click on the “Apply online” button.

Filling out the form will take no more than a couple of minutes, since you will need to indicate what indicators the credit line has (terms and amount of the loan), what monthly income the applicant for the loan has and contact information for communicating with the applicant.

An application for a RosselkhozBank loan sent via the Internet will be immediately accepted for consideration.

Features of the mortgage program for young families

Having a certificate for maternity capital in hand, families with children can, thanks to participation in mortgage lending from Rosselkhozbank, improve their living conditions. There is a special offer for them:

• Mortgage housing lending in Rosselkhozbank from 8.85%.
• Money is issued for 30 years.
• There are no commissions, you can choose the method of calculating mandatory payments yourself, and early repayment without penalties is provided.
• Young families can count on a maximum of 60,000,000 rubles.
• The down payment amount has been reduced to 10%.
• An insurance policy is required.
• Maternity capital funds can be used to pay an advance or to repay the loan.

Advantages of an online application at Rosselkhozbank

The Rosselkhozbank online application is a free service. The bank will make a decision in a matter of minutes. You fill out a form, they contact you by phone and you receive a decision. An online application to the Russian Agricultural Bank gives a discount when receiving a loan. Rosselkhozbank allows you to choose the most profitable loan program for you. At the same time, the bank may offer to open a deposit. The advantage of the bank is a bunch of branches open throughout Russia.

Rosselkhozbank - online application for a consumer loan. Tariffs for consumer loans.

1. 3 years - maximum period
2. Online application for a loan at Rosselkhozbank - free call and review
3. Maximum 750 thousand - 2 guarantors. Up to 500 thousand - 1 guarantor
4. The rate is 22 percent per year.

work with borrowers

In this article we will tell you how Rosselkhozbank Mortgage is doing in the mortgage market. We will tell you about the issuance of mortgages by Rosselkhozbank, the bank's mortgage programs, including special ones for young families and with maternal capital. We will outline the conditions, requirements for the borrower and interest, as well as the documents required for the application. As a summary there will be an analysis of the pros and cons of mortgages at Rosselkhozbank.

Features of mortgages at Rosselkhozbank

In the list of products of PJSC Rosselkhozbank, mortgages are represented very widely. In fact, today Rosselkhozbank (RSHB) is one of the leading mortgage banks in our country. It issues loans in all major sectors of the mortgage market.

The main thing that distinguishes a mortgage from Rosselkhozbank is the reliability and high authority of the bank itself. Along with such giants as Sberbank, VTB-Bank of Moscow, Gazprombank, VTB 24 PJSC Rosselkhozbank is one of the five largest state-owned banks in the country.

The Russian Federation owns 100% of the bank's voting shares. The activities of Rosselkhozbank are directly managed by the state. This fact determines the exceptional, one of the highest in the country, degree of reliability of the RSHB.

The second feature that mortgages at Rosselkhozbank different from others is its extensive experience in providing loans secured by real estate. The bank is one of the pioneers of this market who started mortgage lending in Russia, is actively developing this area, and has a unique portfolio of loan offers.

Rosselkhozbank Mortgage lends to new buildings - high-rise buildings, secondary real estate market properties, residential buildings, townhouses, shared construction of residential properties. Rosselkhozbank's mortgage for 2021 even included the acquisition of land plots for construction projects.

RSHB, like other state banks, actively participates in state support programs for borrowers from target social groups.

The loan portfolio of the Russian Agricultural Bank includes military mortgages and loans for married couples under 35 years old, “Young Family Mortgage.” Mortgages with maternity capital at Rosselkhozbank are very popular.

Having accumulated extensive experience in working with mortgages, the bank has developed a simple, non-bureaucratic technology for working with borrowers; in some cases, a mortgage is issued upon presentation of just two documents.

Mortgage loan for the purchase of residential property

How to get a mortgage from Rosselkhozbank ? The answer is simple - use one of the many RSHB programs.

A mortgage loan for the purchase of residential real estate allows you to purchase the following real estate:

• finished apartment on the secondary market;
• a residential building with land or a sectional townhouse with the plot of land on which it is located;
• a plot of land without a building;
• an apartment in a new building under DDU or by assignment;
• finished and under construction apartments.

RSHB is ready to consider the option of a loan term of 30 years. Loan amount – up to 20 million. The initial contribution, upon acceptance of the terms of the mentioned program, will be from 15 to 30 percent of the cost of the purchased object, depending on its category. The loan is repaid annuity.

From March 21, 2017, there is a single and fixed rate for the mortgage “Purchase of residential real estate” - 9.75% (9.25% if the application is submitted from a bank partner). An exception would be the purchase of a residential building or land - 15.5% (14.5% if the down payment is 50% and for up to 5 years).

The following should be added to the bet:

• 1% if there is no life insurance on the mortgage.

A minimum down payment of 10% is possible under the “Young Family” program and when using maternal capital and only for finished housing. To purchase a finished apartment on the secondary market, you need to find a 15% down payment. For a new building you will need to find 20% of the cost of the apartment, and if apartments are purchased, then the PV is from 30%.

Mortgage under two documents

The program for issuing a mortgage loan using two documents allows you to take out a mortgage loan from Rosselkhozbank - using a passport and a second document (driver’s license, international passport, federal government employee ID).

The object of lending may be a transaction, the object of which may be:

• an apartment for the borrower to live in, purchased on the secondary market;
• a plot of land and a residential building on it.

RSHB is ready to consider the option of a loan term of 25 years. Loan amount – up to 8 million. The initial contribution, upon acceptance of the terms of the mentioned program, will be from 40 percent of the cost of the residential property, depending on its category. To purchase a house with land, you will need an PV of 50%. The loan is repaid annuity.

Interest under this program is 11.05% for finished housing and 16% for a house with land (15% if the PV is 50% and the term is up to 5 years).

Program “Non-targeted loan secured by real estate”

Anything can be used as an object of lending:

• Purchase of new housing;
• Purchase of commercial real estate;
• Payment for treatment or education of children;
• Just running costs.

The borrower is not obliged to report to the bank on what exactly he spent the money received on. It is fundamentally important that the collateral for such a loan must be a piece of real estate owned by the borrower.

RSHB is ready to consider the option of a loan term of 10 years. Loan amount – up to 10 million rubles. In this case, an independent assessment of the collateral must be at least twice the loan amount. The bank can only issue 50% of the estimated value of the mortgaged property.

Interest rates:

• 16% for up to 3 years.
• 17% for up to 10 years.

Mortgage secured by existing housing

A program for issuing loans secured by housing (targeted mortgage at Rosselkhozbank ), which the borrower already owns as property. The collateral for this program can be a transaction the subject of which is:

• ready apartment for the borrower to live in;
• purchase of a plot of land with a separate house or sectional townhouse;
• construction of a residential building or sectional townhouse with a plot;
• payment of the cost of shared housing construction (possibly by way of assignment of claims);
• purchase of housing with the implementation of inseparable improvements to this housing (repairs);
• acquisition of land for housing construction.

RSHB is ready to consider the option of a loan term of 30 years. Loan amount – up to 20 million rubles, but not more than 70 percent of the market value of the collateral according to an agreed, mutually recognized assessment of the borrower and lender. If the collateral is a house with land, then no more than 50%.

Targeted mortgages from Rosselkhozbank secured by an apartment are issued at a base interest rate of 10.75%. If the bank is given a house with land as collateral, then the rate for a PV of more than 50% for a period of up to 5 years is 14.5%, from 5-30 years – 15.5%.

Military mortgage at Rosselkhozbank

Military mortgage - provides for the provision of a loan to provide housing for military personnel of the Russian army, NIS participants. The collateral for such an agreement can be a transaction the subject of which is:

• a ready-made apartment on the secondary market for an officer or warrant officer, purchased with a mortgage loan;
• a plot of land and a residential building located on this plot.

RSHB is ready to consider the option of a loan term of 24 years. Loan amount – up to 1.95 million rubles. The initial payment, upon acceptance of the terms of the mentioned program, will be 10 percent of the cost of the purchased object. Insurance of the mortgagor and the collateral is provided.

The interest rate on military mortgages at Rosselkhozbank is 12%.

Young family

The Russian Agricultural Bank Mortgage Young Family lending program can be used by spouses if the husband or wife (or both) are not older than 35 years. Single parents under 35 years of age also enjoy this right.

When lending under this program, RSHB offers additional preferential loan terms. When purchasing housing on the secondary market, the contribution is reduced to 10%. Upon the birth of a child, the borrower is given a three-year deferment to pay the principal debt; the borrower pays only interest.

You can also get a deferment in the payment of the principal debt during the construction period.

Matkapital

Conditions of Rosselkhozbank mortgage under maternity capital:

• The size of the capital must be at least 10% of the value of the property.
• The mortgage is issued in full for the entire value of the property without the need to make a down payment.
• You can repay the mortgage with maternity capital.
• A mortgage with maternal capital is equal to the “Young Family” program if the age of the borrowers meets the requirements of this program.

Interest rates on mortgages with maternity capital at Rosselkhozbank correspond to base rates.

Requirements for the borrower

Rosselkhozbank is ready to provide loans secured by finished or under construction real estate only with citizens of the Russian Federation. In addition, it is necessary that future borrowers be registered in Russia at their place of residence or, in extreme cases, at their place of stay.

The bank also imposes restrictions on the age of the borrower. The potential client must be 21 years old at the time of concluding the loan agreement. And at the time of full repayment of the loan (expiration of the loan agreement), the borrower must not yet be 65 years old. Rosselkhozbank mortgage loans to younger and older clients .

With regard to length of service, the bank looks at the situation differently in different cases:

• If the potential borrower runs a personal subsidiary plot (LPH);
• If the potential borrower does not run private household plots.

For clients of leading private household plots, it is mandatory to present an extract from the household register of private household plots. The extract is issued by the local government body at the place where the subsidiary farm is run. The extract must confirm the conduct of such a household for a period of at least one year before applying for a loan. In the absence of this statement, RSHB reserves the right to refuse a loan.

If we are not talking about accounting for income from a subsidiary plot, then the bank requires a permanent job, at least six months of experience at the current place of work, and at least one year of experience over the last five years.

If at the time of submitting the application the client receives a salary into an account at the Russian Agricultural Bank, then the requirements for experience are reduced; three months in the current place and at least 6 months of total experience over the last five years are required.

And if a potential borrower receives a pension into an account at the Russian Agricultural Bank, then he is not subject to the requirement to have a whole year of experience within 5 years.

Documentation

To receive a loan, a potential borrower must submit the following documents:

1. Loan application and questionnaire.
2. Identity document. Passport.
3. Military ID for men under 28 years old.
4. Marriage or divorce certificate.
5. Birth certificate (if there are children).
6. Documents about income and availability of permanent work and required work experience. 2 Personal income tax or a certificate in the form of the bank.
7. Extract on the management of private household plots (if maintained).
8. Documents regarding the collateral. Certificate of registration of the mortgagor's ownership of the mortgaged property.

The bank may request additional documents if it deems it appropriate.

The Rosselkhozbank bank certificate form is one of the most complex among all banks. A sample form can be downloaded here.

The bank is very demanding when it comes to obtaining a copy of the work book. Make sure your education is listed. Otherwise, you will be asked to redo your documents or bring your diploma. The borrower's personal signature must be present. The series and number of the book must correspond to the year of issue.

How to get a mortgage at Rosselkhozbank

The procedure for obtaining a mortgage at Rosselkhozbank includes the following steps:

1. Prepare a package of documents according to the list.
2. Filing an application. It must be reviewed within five days. A positive decision is valid for 90 days.
3. Choosing housing. Make a decision about the property. Contact one of the bank's accredited appraisers. Get an estimate and provide it to the bank.
4. Conclusion of contracts. Together with your manager, prepare a purchase and sale agreement, a loan agreement and an insurance agreement for the collateral. If necessary, the borrower's insurance agreement. Sign the contracts.
5. Registration of the transaction. Submit an application to Rosreestr, and it will enter information about the transaction into the Unified State Register of Rights to Real Estate and Transactions with It (USRP). Receive an extract and provide a copy of this extract to the RSHB.

Additionally, Rosselkhozbank asks you to come to the bank to take a photo of you and request data from the Pension Fund.

Additional transaction costs are approximately 0.2 -0.5% - mortgage insurance. 3000 rubles letter of credit or 4500 cell for a secondary mortgage. For a mortgage on a new building - no additional fees.