Mortgage vtb conditions per year. VTB mortgage lending - bank programs, requirements for borrowers, a package of documents and interest rates. What programs operate

Despite the crisis and a significant deterioration in the banking sector, loans are still in demand among the population. Mortgage is no exception, because the need for housing does not disappear anywhere.

Mortgage products are offered in every major bank, but the conditions for them can differ markedly. You can consider the conditions of mortgage lending in more detail using the example, which offers several such products at once.

General rules for obtaining a mortgage in VTB24

The Bank provides its customers with the opportunity to choose from several mortgage programs, which makes it possible to obtain the most convenient and favorable lending conditions. The main characteristics of a mortgage in VTB24 include:

1. You can issue it both with a complete document package (including certificates of employment and income data), and with a minimum one (passport and loan application). However, in the latter case, the bank will put forward more stringent conditions:

• - increase the interest rate;
• - increase the size of the down payment;
• - Reduce the maximum loan term.

This method of obtaining a mortgage, although possible, is extremely unprofitable for the client, and the bank is very reluctant to lend to such borrowers.

2. For customers who have a salary card in VTB24, more favorable conditions for obtaining a mortgage are provided in comparison with all others:

• - a significant reduction in the interest rate (up to 3 points);
• - no need to provide some documents (data on income and duration of work are already available to the bank);
• - an opportunity to get a loan in the amount of up to 5 million rubles. in online mode.

At the same time, the amount of the client's salary is automatically included in the calculation of the amount of monthly income, which is also very convenient.

3. The client has the right to repay the loan ahead of schedule, without paying additional fees and fines for this. The bank generally maintains a transparent lending policy, in which there are no additional fees and commissions.

In addition, VTB24 provides the opportunity to conduct such an operation as. True, it is available only to customers of other banks.

Overview of major mortgage programs

The programs presented in VTB24 are divided depending on what is the object of the transaction:

1. Housing in the primary market (that is, in a new building). The bank cooperates with many developers, so you can choose an apartment to buy from one of them. Mortgage is issued on the following terms:

• - rate - from 13.5%;
• - maximum loan term – 30 years;
• - the amount of the down payment - 20% or more (determined by a specific developer);
• - available amount of the loan - from 1.5 to 90 million rubles.

2. Housing on the secondary market (that is, ready-made). In this case, the client is not limited in any way when choosing a property and can buy any apartment or house for which the loan amount is enough for him. The conditions of this program are the same as when buying a home in a new building.

3. Housing that is pledged to the bank (collateral property). VTB24, like many other banks that issue mortgages, has its own platform for the sale of apartments and houses confiscated from insolvent borrowers. You can also get a mortgage on such real estate, and its value is often lower than the market value (especially if the auction is not the first time). Terms of this mortgage:

• - interest rate - 12%;
• - the minimum amount of the first installment is 20%;
• - loan amount - 1.5-90 million rubles.

However, there are certain risks with such a transaction - in some cases, there is a possibility of challenging it by the former owner.

For each of the programs, only approximate figures (minimum or maximum values) are given. This is due to the fact that the bank determines specific lending conditions individually, taking into account the characteristics of each client.

The borrower himself can calculate the approximate amount of payments, depending on his requirements and capabilities, using a tool such as. It can also be used to determine the amount of the monthly payment and the level of income required to receive the selected amount.

Social mortgages for certain categories of citizens

In addition to the usual loan available to most borrowers, some citizens can apply. It is not a separate loan product of VTB24, but the bank takes an active part in it. This program provides for more favorable lending conditions and includes the following areas:

1. A mortgage for a young family is provided at a lower interest rate, but subject to the borrower meeting certain requirements (by age, income level, etc.).
2. Military mortgage - this program is designed for the military, who are members of the accumulative mortgage system. They can get a loan without having to deposit their own funds.
3. Use of maternity capital - this program allows you to use maternity capital to make a down payment, make loan payments or pay interest.

State support under these programs is that part of the interest is paid not by the borrower, but by the state. However, obtaining such a mortgage is not always easy, because all applicants are subject to strict requirements.

Today, a mortgage loan is one of the real methods that allow most people to purchase their own home. The fact is that it is often simply unrealistic to save up for an apartment on your own, because the prices of both new and resale real estate are constantly increasing.

A large number of banks offer citizens mortgage lending on a variety of terms. VTB 24 Bank did not stand aside and also offers its customers several different programs aimed at purchasing housing.

Conditions for issuing a mortgage loan at VTB 24

According to all legal documents, it is customary to understand the terms of issuing a mortgage as a list of initial factors that in one way or another affect the conclusion of this agreement.

Depending on the program offered by the bank, the following points may act as such conditions:

Mortgage in VTB 24 under two documents

Despite the fact that in this bank it will not be possible to obtain an ordinary loan according to two documents, a mortgage under such a program will be given with a high degree of probability.

To do this, you will need to present:

Most importantly, in this case, the bank does not even require the registration of a citizen.

However, this program has one rather significant disadvantage - all funds received by a citizen in a mortgage can be used exclusively for the purchase of real estate of a strictly defined type - a new apartment in a house under construction.

It is also worth noting that this program has a number of its unique distinctive features:

1. Credit can be issued for a period of five to twenty years;
2. The minimum amount can be from one and a half million to fifteen million;
3. When submitting only two documents, the interest rate will be increased by 0.6 percent, that is, this indicator will be in the range from 12.65 to 14.25%. In addition, another 0.6% will be added to the interest rate until the apartment is registered as collateral. If the client refuses the compulsory insurance program, then one more percent will be added to him;
4. As an initial contribution under this program, you will need to pay 35% of the amount withdrawn. At the same time, it is quite acceptable to use such means as maternity capital;
5. The commission is charged by the bank only once - when transferring funds to the developer's account, you will have to pay three thousand rubles.

Any citizen of our country who at the time of filling it out is 21 years old and meets all the required conditions can apply for a mortgage under this program.

Documents for a military mortgage in VTB 24

To use the military mortgage under this program, it is necessary not only to be a soldier - the experience must be at least three years.

During all this time, the Ministry of Defense transfers a fixed amount to the contractor's account, which can later be used by him as part of the down payment under this mortgage program.

In the process of obtaining a military mortgage, you will not have to provide any special documents.

A package of all necessary papers is standard:

• Soldier's passport. If he is a family man, then he will have to provide the passport of his wife or spouse;
• The second document - it can be a foreign passport, a certificate of pension insurance, a driver's license, and so on;
• If the military is married or divorced, then he will also need to document this fact;
• Direct application from the borrower. It is worth noting that you can fill it out both at the bank branch with a consultant, and on the official website;
• Certificate confirming participation in the program of co-financing housing for the military;
• A package of documents for the purchased housing, among which there should be a cadastral passport in the form of an extract from the Rosreestr authorities, as well as a corresponding extract from the house book.

The submitted documents are considered by the bank within two weeks, after which the citizen is notified whether his application is approved or rejected.

Documents for a mortgage with maternity capital in VTB 24

In order to apply for a mortgage with maternity capital, the bank is given the following documents for consideration:

The following package of documents will have to be attached to this basic set:

• A copy of the employment agreement from the current place of work;
• Photocopies of documents regarding the education received;
• If loans were previously issued, then copies of such agreements should also be provided;
• If you have bank accounts in other organizations, you will also need to provide statements for them;
• If the property has real estate or other property of great value, then title documents for it are also applied.

After that, an appropriate application is submitted to the state pension fund regarding the need to transfer funds to pay off the mortgage. In this way, people do not have to wait until the second child reaches the age of three in order to use these finances.

Documents for a mortgage without a down payment in VTB 24

In order for the bank to approve an application for a mortgage loan without a down payment, the following conditions must be met:

• The minimum age of the borrower must be 22 years and not more than 55 and 60 years respectively for women and men at the time of closing the loan;
• There must be registration and permanent income on the territory of the country;
• At the last workplace, you need to work at least six months with a total work experience of a year or more.

When applying, you will need to collect the following package of documents:

• Identity card of the borrower and his spouse, if any;
• The second document confirming the identity;
• Papers talking about the composition of the family;
• Official information regarding income;
• Correctly completed application form;
• Papers relating to the purchased housing.

Second home mortgage

To submit an application for the purchase of secondary housing to the bank, it is necessary to draw up a number of documents:

1. Two identity documents. This includes directly the passport of a citizen of the country, as well as a driver's license, military ID, and so on;
2. A certified copy of the work book, where the employer must make an official note that the employee continues to work to this day;
3. Help 2-NDFL, aimed at confirming the level of income of a person;
4. If a citizen has any additional income, then he will also need to provide an appropriate declaration from the tax service;
5. Certificate of compulsory pension insurance;
6. Documents relating to the acquired property.

Mortgage interest rate at VTB 24

First of all, it must be said that this indicator directly depends on the program in which the applicant participates. In particular, in the program called “Mortgage with state support”, the percentage will be fixed and be strictly 11%.

The military has the lowest rate - it does not even reach 10%, but is in the range from 8.79% to 9.64%. All other programs have a fairly high percentage of mortgage loans.

In addition, the rate may change upwards or downwards depending on a number of factors:

1. The amount of the down payment;
2. Loan terms;
3. The presence or absence of insurance and so on.

When buying a new home in a house under construction, the figure will also not be too high - 12.5%, but here you will have to comply with certain conditions, which were discussed in more detail above.

Down payment to VTB 24

The bank has a number of programs that provide for the absence of this payment, for example, this is due to military mortgages, when this initial payment for a citizen is made by the Ministry of Defense.

There is also a program for issuing a mortgage without a down payment at all, however, in this case, the interest on this loan will be quite high.

With participation in all other loan programs related to the purchase of an apartment, you still have to make an initial payment. This amount is at least 20% of the total cost of housing. It is not forbidden to deposit more money, but it will still not work to give less.

Mortgage repayment ahead of schedule in VTB 24

Early repayment implies that a citizen pays off his obligations before the end of the term. The main goal here is to reduce the overpayment, since when applying for a mortgage, it will really not be the smallest amount.

With a corresponding application, they turn to a bank employee, who, depending on the will of the client, will either have to reduce the amount of monthly payments to him for the entire time of payments, or reduce the loan term, respectively, keeping payments at the same level.

In Russia, not everyone can afford to solve the housing problem and at the same time not resort to loans. It is for this reason that mortgage lending has been popular for a long time. As part of the decision on where it is better to get a mortgage, it is extremely important to choose a reliable financial institution. One of the most reliable and popular credit structures in our country today is VTB 24. Reviews about the mortgage in this bank will be considered in this article.

Benefits of Mortgage Lending

Before deciding to apply for a mortgage program at VTB-24, you should carefully study all the advantages of loans from this financial institution. So, the advantages in this case can be called the following:

• Pretty quick decision making after applying.
• High level and professional customer service.
• The bank offers many different programs that allow each person to choose the most acceptable option for themselves.
• Favorable rates that are lower compared to other smaller banks.
• It is possible to refuse insurance or purchase a policy, which will affect the percentage.
• Service support of the program, for example, regular SMS reminders about the terms and amounts of payments are sent to customers.
• The presence of a mortgage calculator on the main page of the site, which allows you to calculate all the necessary loan parameters immediately before applying.
• Possibility of full or partial early repayment without any restrictions.

Disadvantages of mortgage programs

According to reviews, the mortgage in VTB-24 also has disadvantages, these include the following disadvantages:

• Very stringent requirements for borrowers who intend to apply for a mortgage.
• If you want to buy real estate in shared construction, the choice is limited to accredited objects.
• If the client refuses to insure life and health, the rate increases significantly.
• The maximum loan amount is determined by the expert's estimate, which quite often turns out to be significantly lower than the market value.

Thus, before applying, the borrower must evaluate absolutely all the advantages, as well as the disadvantages of the mortgage program. And only in this case it will be possible to make an optimally balanced decision. Mortgage reviews at VTB 24 will help with this.

Mortgage terms

Mortgage programs at VTB-24 are extremely diverse. The bank offers a fairly large number of different programs, thanks to which everyone can easily choose the best option for themselves.

For a big apartment

For those who decide to purchase a large apartment (with an area of ​​at least sixty-five square meters), it is better to use the program called "The more meters, the lower the rate." Under this program, the rate is reduced by almost half a percent. If you make at least twenty percent of the value of real estate as part of the first installment, then under this lending program you will be able to receive up to sixty million rubles.

Customer reviews of the VTB 24 mortgage are mostly positive.

With a low down payment

You can also buy an apartment or a house with a mortgage in a bank under a program called “Purchase of a home”. Under this option, the down payment can be reduced to ten percent. The interest rate is set at 9.6% per annum. In this case, the maximum loan amount will reach sixty million rubles.

No proof of income

VTB 24 has a program that allows you to get a mortgage without proof of income, it's called "Victory over Formalities". By presenting only two documents, as well as paying at least thirty percent of the cost of the apartment, the client gets the opportunity to get a loan at 10.6% per annum. The maximum amount in this case will be thirty million rubles.

military personnel

Military personnel who qualify for a home loan subsidy may use the Military Mortgage program. Within the framework of this mortgage lending, the rate starts from 10.9% per annum. As for the first installment, it is from fifteen percent.

Refinancing

For those who have already taken out a housing loan from another bank, VTB 24 offers mortgage refinancing. This service is beneficial primarily to borrowers who received a real estate loan several years ago at a time when the rate was still quite high. Thus, using the program, you can reduce it to 9.7% per annum. The maximum amount in this case is limited to fifteen million rubles for a mortgage in VTB 24.

VTB 24 has been issuing loans for apartments for quite a long time. Therefore, there is a base of real estate for sale, for which borrowers are not able to pay. For the purchase of such real estate, the organization provides loans at a rate of ten percent per annum. The minimum down payment is twenty percent of the property value.

In the event that a mortgage is issued for new real estate in a house under construction, it is extremely important to keep in mind that before putting the building into operation, the rate will be increased by the size of the investment allowance. Its value is set at a rate of up to 0.6%.

Reviews and discussion of mortgages from VTB 24 will be discussed below.

About the mortgage bonus

Citizens of Russia who have a mortgage loan and they regularly make monthly payments may qualify for funds for urgent tasks. In such a situation, the financial institution analyzes the income of clients, as well as mortgage payments. But, unfortunately, the decision to provide the borrower with additional money from the bank is not always positive. With the help of a mortgage bonus, this problem is solved. The loan is provided in cash, the conditions are favorable, there is no real estate collateral and the interest rate is not too high.

Purpose of obtaining

The innovative banking product Mortgage Bonus does not have the status of targeted lending. The borrower has the right to use the money at his own discretion. After acquiring housing in a mortgage, a new settler is given the opportunity to carry out repairs and purchase building materials. A young family has a chance to buy children's furniture, upgrade household appliances, pay for a garden or school, or go on a trip.

Documentation

In order for the registration to take place as soon as possible, and, moreover, without unnecessary problems, it is required not only to carefully study absolutely all the conditions of the mortgage, but also how to prepare a package of documents. To apply for loans for an apartment, such a package will include two lists, namely, the borrower's documents and papers for the property being purchased.

For a traditional mortgage, the first list, that is, the documents of the borrower, includes:

• Compiled application or application form of the borrower.
• Citizen's passport.
• TIN and SNILS.
• Men under the age of twenty-seven are required to present a military ID.
• A copy of the work, which must be certified by the employer.
• Certificate of income in the required form.

Among the documents for a mortgage loan from VTB 24 Bank should be:

• Documents that certify the identity of the owners.
• Legal documentation.
• Extract from the USRN, as well as from the house book.

For the procedure for obtaining certain types of mortgages at VTB 24, and, in addition, for certain categories of borrowers, other documentation is required.

Requirements

Before applying for a mortgage, it is extremely important to carefully read all the requirements for borrowers. By and large, many of them are identical to those presented to customers by other financial institutions.

So the requirements are:

• The client must be at least twenty-one years of age.
• At the time of completion of the contract, the borrower should be no more than sixty-five years old if it is a man, and a maximum of sixty if it is a woman.
• The total work experience must be at least one year. And at the last place of work, the experience must be at least four months.
• The borrower must not have a criminal record.
• The borrower must be officially employed.

In the event that when deciding on the issue of obtaining a mortgage, it becomes obvious that the income of one borrower is not enough, additional persons can be attracted. However, their number can reach no more than four people.

Now let's find out what the borrowers themselves, who used the services of a credit institution, say about mortgage lending.

VTB in 2019 changed the rates for mortgage loans. On what conditions, and at what interest rates today you can get a mortgage at VTB 24, read on this page.

Mortgages at VTB 24 in 2019

Taking a mortgage from VTB 24 to buy a home is relatively easy today. The bank has a wide network of branches, which allows residents of not only Moscow or St. Petersburg, but also various cities of Russia to apply for a mortgage loan.

VTB 24 is actively developing a payroll project today. For those who receive a salary on a bank card, it is even easier to take a mortgage at VTB 24, since the data on the work activity and salary of a potential client are in full view of the bankers. For payroll clients, VTB 24 also provides discounts.

To date, in 2019, VTB 24 Bank offers several mortgage programs to its customers:

• New building;
• Secondary housing;
• More meters - lower rate;
• Victory over formalities;
• secured by real estate;
• Mortgages for the military;
• Mortgage with state support;
• Refinancing.

Mortgages in VTB 24 in 2019: rates have changed

Last year, VTB 24 gradually reduced interest rates on mortgages. But in 2019, the percentages went up again. However, your rate will be reduced if you…

1. An employee in the field of education or healthcare, law enforcement or tax authorities, customs, federal and municipal authorities (the program "People of Action");
2. You receive a salary on the VTB card.

Consider the conditions for obtaining a VTB 24 mortgage in 2019 and the interest rates of the bank's main mortgage programs.

1. Mortgage program "New building"

Under this program, a mortgage is issued for the purchase of housing under construction or already built. The main thing is that the ownership of it has not yet been registered.

VTB mortgage conditions for a new building

> Term: up to 30 years;

> Insurance: comprehensive.

Interest rates

Base rates:

Special programs:

Surcharge:

Calculate your monthly mortgage payment

Doesn't fit? See what mortgage rates are offering today

2. Mortgage program "Resellers"

Under this program, mortgages are issued for the purchase of housing in the secondary market. You can also apply for a loan for new housing, the ownership of which is registered.

VTB mortgage conditions for secondary housing

> Amount: from 600 thousand to 60 million rubles;

> Term: up to 30 years;

> Down payment: from 10%;

> Insurance: comprehensive.

Interest rates

Base rates:

• from 10.6% — for individuals
• from 10.3% for payroll card holders;
• from 10.3% for clients under the People of Action program (doctor, teacher, public administration employee);
• from 10.2% for clients under the People of Action program who are also payroll clients.

Special programs:

• from 11.1% without confirmation of income (Victory over formalities)
• from 10.1% if the area of ​​the apartment is more than 65 sq.m (More meters - lower rate)
• from 10.6% without proof of income, if the area of ​​the apartment is more than 65 sq.m.

Surcharge:

0.5% if the amount of the down payment is less than 20% of the value of the acquired property (except when the loan is issued with the condition of using maternity capital funds).

(The rates are indicated taking into account the registration of comprehensive insurance)

Not satisfied? See what mortgage rates are offering today

3. Mortgage program "More meters - lower rate"

A mortgage loan under this program is provided by VTB Bank for the purchase of an apartment on the secondary market or in new buildings with an area of ​​65 sq. meters. Buying an apartment of 65 sq. m and more, you can get a rate below the base.

VTB mortgage conditions for apartments from 65 sq.m.

> Amount: from 600 thousand to 60 million rubles;

> Term: up to 30 years;

> Down payment: from 20%;

> Insurance: comprehensive.

Interest rate

• from 10.1% if the area of ​​the apartment is more than 65 sq.m
• from 10.6% without proof of income, if the area of ​​the apartment is more than 65 sq.m.

See also mortgage lending conditions in

4. Mortgage offer "Victory Over Formalities"

The simplest possible registration of a mortgage in VTB for a finished or under construction apartment according to 2 documents, without income statement. But there is a limitation: the use of maternity capital to form a down payment is not provided.

VTB mortgage conditions under two documents

> Amount: from 600 thousand to 30 million rubles;

> Term: up to 20 years;

> Down payment: from 30% - new building | from 40% - resale;

> Insurance: comprehensive.

Interest rate

• from 10.6% without proof of income, if the area of ​​the apartment is more than 65 sq.m.;
• from 11.1% without proof of income for other apartments.

(The rates are indicated taking into account the registration of complex insurance).

Doesn't fit? See what mortgage conditions it offers today

5. VTB loan "Secured by real estate"

This is a large loan for any purpose secured by an existing apartment in an apartment building. Moreover, it should be located within the city of presence of the mortgage division of VTB, issuing a loan.

The mortgaged apartment can be owned by both the borrower and the spouse or family members, with the execution of the guarantee of the relevant person.

VTB loan terms secured by real estate

> Amount: up to 15 million rubles, but not more than 50% of the value of the mortgaged property.

> Term: up to 20 years (multiple of 12 months).

Interest rates

• from 12.6% - for individuals
• from 12.3% for payroll card holders;
• from 12.3% for clients under the People of Action program (doctor, teacher, public administration employee);
• from 12.2% for clients under the People of Business program who are also payroll clients.

6. Mortgage program "Mortgage for the military"

This is a loan for the military - participants in the savings and mortgage system (NIS) for the purchase of finished or under construction housing.

VTB mortgage conditions for the military

> Amount: up to RUB 2.435 million;

> Term: up to 20 years, but no later than when the borrower reaches the age of 45 on the loan repayment date;

> Down payment: from 15%.

Interest rates

• 9.8% per annum (if the borrower withdraws from the NIS, the interest rate increases to 10.0%).

7. Program "Mortgage with state support"

This is a program of preferential mortgage lending for families in which a second and / or third child was born on 01/01/2018.

VTB mortgage conditions with state support

> Amount:

— from 1.5 million to 8 million rubles. - for residential premises located in Moscow;

- from 1 million to 8 million rubles - in the Moscow region. and St. Petersburg;

- from 600 thousand to 8 million rubles - in the Leningrad region;

- from 500 thousand to 3 million rubles. - for residential premises in other regions of the Russian Federation.

> Term: from 1 to 30 years (in multiples of 12 months)

> Down payment: from 20%.

Interest rates

• 6% per annum - for a grace period;
• The key rate of the Central Bank of the Russian Federation as of the date of signing the loan agreement + 2 p.p. after the end of the grace period.

Grace period duration:

• 3 years - in case of the birth of a second child from 01/01/2018 to 12/31/2022;
• 5 years - in case of the birth of a third child from 01/01/2018 to 12/31/2022;
• 8 years - in case of the birth of the second and third child from 01/01/2018 to 12/31/2022.

8. Program "Mortgage Refinancing"

Transfer your mortgage from another bank to VTB and improve your loan terms! The program applies to mortgage loans issued by other banks for the purchase of apartments, and is also designed to finance large expenses secured by an apartment.

Conditions

> Amount: up to 30 million rubles;

> Term: up to 30 years.

Interest rates

• from 10.1% per annum.

Find out about the conditions for refinancing a mortgage at VTB

How to get a mortgage at VTB 24 Bank

After the client has chosen a suitable mortgage program, he can submit an online application for a loan (for payroll clients) or a request for a detailed consultation.

• A bank employee will contact you within three hours after sending the questionnaire (during business hours);
• The decision on the loan will be made within one to two (in some cases 4-5) working days. You will receive the bank's response in an SMS notification. The credit decision of the bank is valid for 122 days (4 months);
• Choose an apartment and submit a package of documents for the apartment for verification to the bank.
• Contact one of the branches of VTB 24 Bank to conclude a deal to buy an apartment.

Who can take a mortgage VTB 24: requirements for the borrower

The bank makes, at first glance, simple, but, on the other hand, very vague requirements for borrowers:

• The presence of permanent registration in the region where the client applies for a mortgage at VTB 24 Bank is optional;
• Various forms of income confirmation are considered (certificates in the form of 2-NDFL and in the form of VTB 24 bank);
• Accounting for income at the main place of work and part-time is possible.

How to raise your mortgage

To increase the loan amount, you can attract guarantors. The bank will take into account the combined income of the borrower and the guarantor to calculate the maximum loan amount. Guarantors can be legal or common-law spouses, as well as close relatives of the borrower - parents, children, brothers and sisters (including half-blooded ones).

By the way, you need to know that the bank attracts the spouses of the borrower as obligatory guarantors, if the marriage contract is not concluded between the spouses.

IMPORTANT! The guarantee means the obligation to repay the overdue mortgage debt in cases where the borrower does not repay the loan for one reason or another.

Documents for obtaining a mortgage in VTB

To apply for a mortgage at VTB, you must submit a large package of documents to the bank. Here is their list:

• Passport of a citizen of the Russian Federation
• SNILS or TIN
• Certificate of income of an individual (Certificate 2-NDFL or certificate in the form of a bank). If you receive wages on a VTB card, then the bank will independently look at salary accruals.
• A copy of the work book certified by the employer or a certificate / extract from the work book
• For men under 27 - military ID

Documents for a mortgage under the "Victory over Formalities" program

When applying for a mortgage under the “Victory over Formalities” program, you do not need income certificates. Just two documents are enough:

• Passport of a citizen of the Russian Federation;
• SNILS or TIN;

Men under the age of 27 also require a military ID.

VTB 24 is an active financial player in the domestic banking market. The organization provides the population with a wide range of various loans, including consumer loans, car loans, as well as mortgage loans to individuals.

The most relevant today for Russian consumers is a mortgage loan. It is about him that will be discussed in this review.

Mortgage lending conditions in VTB 24 for individuals

VTB 24 Bank presents Russian citizens with several options for mortgage loans:

• Project "More meters - less rate";
• Mortgage for the purchase of an apartment in a new building;
• Loan for housing in the secondary real estate market;
• The program of refinancing an existing loan;
• military mortgage.

Loan terms for housing in a house under construction the company offers the following:

• the minimum amount is 1,500,000 rubles for Moscow and St. Petersburg, 600,000 for other regions of the country;
• the maximum limit is 30 million rubles;
• loan term - up to 30 years;
• initial payment - from 10% of the price of the purchased apartment;
• the interest rate on a mortgage on a new building is from 9.7% per year.

Conditions for granting a loan for the purchase of an object in the secondary real estate market:

• the smallest loan amount is 1.5 million rubles. for residents of the capital and 600 thousand - for those living in the rest of Russia;
• the maximum amount is 60 million rubles;
• repayment period - within 30 years;
• the rate for secondary housing - from 9.7%.

A mandatory requirement of VTB 24 when applying for a mortgage is to conclude an insurance contract for the purchased property.

No down payment for a young family

For young families, there is a separate program for granting a loan for the purchase of real estate. Its essence lies in the fact that it is allowed to use a certificate for maternity capital as an initial payment. Other terms of the mortgage are as follows:

• amount - from 600 thousand to 30 million rubles;
• annual interest - from 10.7%;
• loan term up to 20 years;
• down payment - 10% - 20% (part of which is repaid by mother's money).

Mortgaged housing remains pledged to the bank until the full payment of the loan amount.

Documents for obtaining a mortgage in VTB 24

List of documents for a mortgage loan:

• an application in the form of a questionnaire containing all the basic information about the borrower (the form will be issued by the organization or a preliminary application can be filled out on the official website);
• passport of a citizen of Russia;
• an act on the income of an individual (2-NDFL) or a tax return for the last year for an individual entrepreneur;
• a copy of the work book certified by a notary or at the place of work;
• certificate of pension insurance SNILS;
• military ID (for males under 27 years old).

The bank also reserves the right to expand the above list with additional documents or reduce it if the application is submitted by a salary client.

How to apply for a mortgage?

There are two main ways to apply for a mortgage loan:

• on the official resource of the organization;
• during a personal visit to a bank branch.

The first method is considered the simplest and most convenient for most users. To use it, follow these instructions:

• Go to the main page of the VTB 24 website.
• Indicate the region of your residence (city) at the top of the resource.
• Click on the "Mortgage" section in the central menu.
• Choose the offer that suits you best.
• Using the moving cursor, set the desired loan amount, its repayment period, and the amount of the down payment.
• Next, click the red button "Fill in the application."
• Correctly enter reliable information about yourself in the free fields:
  • year of birth,
  • residential address,
  • passport data,
  • contact information and so on.
• Check the information provided and click the "Submit" option.

After you fill out an application for a loan, a decision on your issue will be made within 3-4 business days. It is only necessary to wait for a call from the manager of the organization, who, if the decision is positive, upon prior request, will sign up for a consultation at the bank's office. Then you need to come to the nearest branch of VTB 24 at the appointed time with a package of necessary documents.

Refinancing a mortgage loan at VTB24 Bank

Refinancing a previously issued housing loan at VTB 24 is a popular program among those borrowers who have entered into a mortgage contract with another lender on unfavorable terms.

The conditions are as follows:

• interest rate - from 9.7%;
• repayment period - up to 30 years (according to 2 documents - up to 20 years);
• loan amount - up to 30,000,000 rubles;
• possible early repayment.

It is important to understand that VTB 24 will approve an application for refinancing, provided that the individual has no delay in payments and more than 20% of the total amount has been repaid.

In VTB 24 for individuals it is also possible mortgage debt restructuring . The company can recalculate the loan and increase its repayment period under certain circumstances - the client lost his job, became seriously ill, and so on.

In order to obtain approval for the restructuring, it is necessary to apply to the creditor with an appropriate application and documentary evidence that the financial situation has deteriorated significantly compared to what it was at the time of the conclusion of the agreement. You can also get a deferral of payments in connection with the birth of a child or use the received maternity capital to pay off a debt previously issued. (You can learn more about the procedure for applying for a mortgage under mother capital)

Quick application form

Fill out the application now and get money in 30 minutes