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Mortgage with the lowest interest rates (16 banks). Mortgage interest rate in Sberbank What is the lowest mortgage rate

Many people, not having enough money to buy an apartment or a private house for cash, turn to banking institutions to get a loan to buy real estate.

The most profitable mortgage in Moscow banks

Consider the popular offers of Moscow banks for the mortgage of the current year.

Leading Russian bank Sberbank offers low mortgage rates. Ready-made housing in this credit institution will be offered to you at a rate of 10.75% per annum. The bank offers such a low percentage on the condition that you are a young family and you have three or more minor children as dependents. In this case, the loan is given for a period of 10 years, and the down payment will be more than 50%. If you have less than three children to raise, the rate will start at 11.5% per year.
Rosselkhozbank has the lowest mortgage rate in the city of Moscow as part of the Mortgage with State Support program. This is 10.9% per annum for Russian citizens from 21 to 64 years old who have documented their income. If the borrower refuses insurance, the bank will increase the rate by 7%. Loan term - up to 30 years, advance amount - 20% of the loan value. These loans are for pre-owned housing or housing in buildings under construction.
Promsvyazbank makes an offer with the lowest mortgage interest in Moscow, which will be 12%. The person must be 21 years of age at the time of taking out the loan. The loan is granted for at least 3 years.
Profitable mortgage 2019 in the city of Moscow is offered by Svyaz-Bank with a rate of 12.25%. In this case, the advance payment should be equal to 50-90% of the price of the apartment, the term of the loan is 3-10 years. The borrower must have a salary card of this bank.
MTS Bank gives loans in Moscow for housing on the secondary market to applicants who are somehow related to this financial institution (have cards for payments or are employees of AFK Sistema). Advance payment - 50-85%, 3-10 years of loan provision. Payments are calculated in equal monthly installments.
Gazprombank sets the percentage of the annual rate, according to the amount of the first payment. 11.5% - in the event that there is a salary card of the specified bank, the first installment is more than 50%. Resale real estate is taken on credit from state-owned Moscow enterprises.

A potential borrower who is looking for a banking institution to obtain a loan should be clearly aware of what goals he pursues when taking a mortgage program. Serious financial obligations are on the agenda, which are taken on for a long period of time, so you should soberly assess your capabilities. To get a mortgage on favorable terms, you need to compare rates and decide on other factors of the banking program.

What to look for when choosing a lender?

Today, Russia's leading banks offer their clients mortgage programs based on similar conditions. Pay attention to the following factors:

The period calculated for loan repayments is from one year to 50 years;
The minimum age of the borrower is 21;
The maximum mortgage loan amount is up to 85% of the value of the purchased property;
Down payment - from 10% to 50%;
The interest rate is from 9.1%.

Each bank has the right to develop and present its own requirements for the size and type of collateral, the characteristics of the borrower (length of service, registration, marital status), etc.

We determine the best offer

When you make a choice in favor of a particular lender, remember that all of these factors can affect not only the final interest rate, but also whether you will be given a loan in principle.

To find the best mortgage offer, follows:

Explore all mortgage programs from major banks in your area;
If the interest rate seems extremely attractive due to the low cost, keep in mind that the bank officially marks the bottom bar. When applying, depending on your characteristics and a variety of aggregate conditions, the interest rate can increase significantly;
You can make the final impression and make the right choice only during a personal appeal to the bank branch, after talking with a representative of the organization involved in mortgage loans.

Questions for a Mortgage Specialist

In consultation with a mortgage specialist, try to find out the following points:

Is there an option for early repayment of the loan? Is there a penalty for such an action, because some banks provide a fine of 3% of the remaining debt;
Does a particular bank allow the issuance of a loan to the borrower if the share of the monthly payment is more than 40% of the total income of the borrower or the total income of his family;
What actions will the bank take if the borrower has delayed the deduction of loan payments for one to several months, etc.

The practice of imposing penalties due to systematic violations of mortgage payments is present in most banks. When choosing a lender, you should find out what exactly threatens you for non-payment (intentional or involuntary).

Some banking organizations initiate trial. If the mortgaged apartment is foreclosed, its further sale may follow, and the proceeds are used to pay off the debt.

In this case, the affected borrower has at least one option: he will be offered rent housing in a specialized hotel-type facility or choose the option of settling in a housing reserve fund intended for mortgage clients who are insolvent.

Such conditions do not apply everywhere, so this is practically the first thing you should ask a potential lender.

Additional expenses

Banks try to make the presentation of mortgage programs as transparent as possible so that the borrower does not have any difficulties in choosing one or another lender.

However, in practice, when taking a mortgage, there are almost always additional expenses, which are due to the following factors:

If an apartment is taken on a mortgage from the secondary real estate market, an appraisal expertise will be required. It is not free: the price for the procedure varies from three to twenty thousand rubles, depending on the qualifications of the appraiser, the requirements of the bank and the mortgage program itself;
After determining the market value of the property, the bank calculates its collateral value. Payments on the resulting difference are borne by the borrower. On average, the difference will be about 15% - 20%. So, for example, if an apartment costs about 2 million, the bank will subtract about 15% of this amount (depreciation of housing, sales costs, etc.), providing the borrower with a loan for 1.6 million. It turns out that the additional payment to the owner will be about 380 thousand rubles . This amount is paid by the borrower;
When taking out a mortgage loan, be prepared for additional costs for a mandatory insurance package. Some banks charge an interest rate for a customer's refusal to purchase life and health insurance;
Registration of certificates, documents, payment of duties is also an inevitable cost item when taking a mortgage.

The most profitable mortgage programs for 2019

When choosing a lender bank, one cannot start only on whether the lowest mortgage interest rate is offered. The success of obtaining a loan is influenced by many conditions that are described in the programs of banks. At the moment, experts identify five favorites among borrowers.

Sberbank

The leading domestic lender has developed a unique program for borrowers, called "Acquisition of ready-made housing" . Briefly describe its essence in two points:

Attractively low interest rate - from 10.5% (if the transaction is registered electronically);
Opportunity to buy an apartment on the secondary market.

To become a member of the program, you must accept bank conditions. Their list includes:

A loan to the borrower is issued in the amount of 300 thousand to 15 million rubles;
The borrower can pay off the mortgage for 30 years;
The initial payment will be one fifth of the cost of the residential property;
The client must provide collateral.

On formation of an interest rate, according to the Sberbank program, the following factors influence:

The amount of the first installment;
Willingness of the borrower to purchase health and life insurance;
If the applicant is a payroll client of the bank, lower rates apply to him;
Loan terms;
If the client provides documents confirming the source of income, this is counted positively for his credit reputation;
Another factor that determines the size of the interest rate is the liquidity of property provided on security.

Additional advantages of the program include the absence of commission fees and penalties for early repayment. Also on the bank's website there is an online calculator that allows you to determine the approximate costs for the first time.

The name of this Russian bank, unlike its more famous competitors, is hardly heard by most citizens. Nevertheless, the new mortgage program he proposed called "New Building" is really an extremely interesting proposal. If we sum up all the factors, we can assume that this is practically the cheapest mortgage: as an advance, the borrower makes only 10% of the value of the property.

Others program conditions are:

Client, this does not affect the formation of the interest rate;
The interest rate does not change after registration of property rights;
You can take a loan for the first installment from the partners of Promsvyazbank;
You can use the maternity capital for the first installment.

When applying for a loan, the bank may request to provide two guarantors.

The bank has one of the most loyal programs for potential borrowers, called "Apartment on the secondary market".

IN conditions for issuing a loan includes:

Lending for a period of one to 25 years;
As a down payment, 15% of the value of the immovable object is paid;
A loan can be issued for up to 26 million;
The credit rate is 11.9%.

If the applicant does not agree to purchase personal insurance, the interest rate will increase by 0.5% - 3.2% (depending on the age of the borrower).

A Raiffeisenbank client has the right to choose:

Method of loan repayment - depository or transfer to the seller's account;
When he can receive the loan amount - after signing a mortgage agreement or completing the registration of property rights.

A specialized mortgage bank offers customers the following conditions:

Rate of 10.75%;
Advance payment - from 20%;
The maximum loan amount is 10 million.

Requirements bank to borrowers and real estate:

Russian citizenship;
Accommodation in the region where there is a branch of the BZHF;
The purchased apartment must be located in a building with a height of at least three floors.

pros jar:

Percentage of approved mortgage applications – 82%;
When applying for an Express+ mortgage, you can get approval within 24 hours;
It is possible to take out a mortgage online and/or with two documents (passport and SNiLS).

Having calculated the possible costs and comparing them with the benefits of the BZHF program, we can assume that this is the most profitable mortgage offered (at least in terms of flexibility).

One of the most famous banks in Russia issues a mortgage on the basis of state support. To take a loan, you must have half the amount to buy real estate. The bank will lend the rest of the money at an interest rate of 10.8%. The loan is issued for a period of 12 months to 7 years.

Other requirements and conditions for borrowers:

An increase in the interest rate by 0.5% with a decrease in the amount of the initial contribution and / or extension of the loan period;
Loan repayment period - up to 30 years;
Loan amounts from 3 to 8 million rubles for residents of the capital / St. Petersburg and regions, respectively.

One of the significant advantages of the program is that if the borrower refuses to insure life and health, the interest rate does not increase.

Conclusion

The choice of the most profitable mortgage depends not only on the reputation and conditions put forward by the lender. You also need to determine some points for yourself personally, namely:

Availability of the amount for the down payment;
Desired loan amount;
Mortgage payment period;
Loan repayment method.

Remember that you cannot act when choosing a mortgage, as when applying for a simple loan. That is, you cannot contact several banks at once, hoping to get approval in some way, and then decide as events unfold.

You may get pre-approved, but the further processing steps are expensive and time-consuming, so you need to choose your lender carefully and without a back-up plan.

Results of 2017 in the mortgage market

Company experts "Metrium Group" summed up the results of 2017 in the mortgage market. Unlike 2016, which was marked only by a recovery in borrower activity, in 2017 quantitative changes turned into qualitative ones: a historical record was reached in terms of lending (2 trillion rubles) and interest rates of 9.8% per annum. At the same time, there are both positive and negative aspects in the growing importance of mortgages for the housing market, experts say.

2017 was the most productive year in the entire documented history of the Russian mortgage market. In Russia, 1 million loans were issued for the purchase of housing for a total amount of 2 trillion rubles, which amounted to 2.2% of the country's annual GDP, experts calculated "Metrium Group". The indicators completely surpassed the pre-crisis level of lending to Russians. Compared to 2014, the number of mortgages issued last year exceeded 7%, and their monetary volume - by 15%. Compared to 2016, according to these criteria, the mortgage market increased by 27% and 37%, respectively.

Data on the issuance of mortgage loans in the Russian Federation

Indicators	2014	2016	2017	Change for 2014	Change for 2016
Number of credits, units	1 012 064	856 427	1 086 939	7%	27%
Issue volume, million rubles	1 753 294	1 472 254	2 021 398	15%	37%
Average weighted rate, %	13,17	11,54	9,79	-3,38 p.p.	-1,75 p.p.
Average loan amount, million rubles	1,73	1,72	1,86	0,13	0,14
Weighted average term, months	177,9	184,6	187,5	9.6 months	2.9 months

Source: CBR

Loans have become large and long-term

Analysts "Metrium Group" note that it was in 2017 that the quantitative growth of the mortgage market, which was launched by the rate subsidy program, turned into a qualitative improvement in indicators. First of all, this was expressed in a decrease in average rates on loans: over the past year, the rate (in fact, the cost of a loan) decreased from 11.54% to 9.79% (by 1.75 percentage points). Never before has a mortgage in Russia been so profitable - the last minimum that reached the rate was recorded in November 2011 - 11.40%.

The minimum rates are offered within the framework of joint mortgage programs of developers and banks. NS Bank JSC (not included in the top 20 leading mortgage banks) for the period of construction of the facility - 3%, after the completion of the facility, the rate rises to 12%. Rosselkhozbank offers mortgages at rates of 5.17%, and lends to both finished and under construction facilities.

The increase in the availability of mortgages has had two effects: the size and duration of loans have increased. If in 2016 the Russians borrowed from banks an average of 1.72 million rubles for the purchase of housing, then in 2017 - 1.86 million rubles. Thus, the reduction in rates made it possible to increase the loan amount by 140,000 rubles. The loan term has also increased: by three months compared to 2016, and by almost 10 months compared to the pre-crisis period.

The increase in the size of the loan indicates that not only more Russians were able to afford a mortgage loan in 2017, but also the area of objects they purchase increased. In turn, a longer period indicates relative confidence in the future.

Demand shifts to second homes

In October 2017, the difference between mortgage rates for the purchase of primary and secondary housing disappeared, experts say "Metrium Group". The top ten mortgage banks offer almost the same base rates. For new buildings, the range of offers varies from 7.9% to 11%, and for secondary apartments - within 9.1-11.5%. According to AHML, in December 2017, the weighted average rate on loans issued for finished housing was 9.8%, and for new buildings - 9.77%.

This trend favored the market of ready rather than under construction housing to a greater extent, experts say. "Metrium Group". If in general the number of loans issued increased by 27%, and their volume - by 37%, then the mortgage for participation in shared construction was not so popular. According to the Central Bank of the Russian Federation, the number of loans issued for the purchase of housing under construction (under equity participation agreements, DDU) increased from 306 thousand to 312 thousand, that is, by only 2%. However, the volume of lending increased from 571 billion rubles to 661 billion rubles (by 15%), which is still less than the dynamics of mortgages in the secondary market.

“While the program of state subsidies for mortgages was in effect, the rates for the purchase of objects under construction were approximately 2% lower than the rates for loans for the purchase of“ secondary ”comments. - That is why in 2015-2016 buyers showed great interest in new buildings. Now that rates have leveled off, many buyers, especially in regions where incomes often don't allow paying a mortgage and renting at the same time while waiting for the completion of a new home, have returned to the idea of buying ready-made properties. Nevertheless, a subsidy program has already been launched, which applies only to new housing from developers, so I believe that the balance between the two sectors of the residential real estate market will still be maintained and no one will be left without buyers.”

Moscow is ahead of the suburbs in demand

Increasing the availability of mortgages has had a mixed effect on the housing market of the capital region, experts say "Metrium Group". Moscow has surpassed both the volume and the number of mortgage loans issued by its main competitor, the Moscow region. According to the Central Bank, in 2017, 63,000 mortgage loans were issued in the capital in the amount of 254 billion rubles. Meanwhile, in the Moscow region, whose market exceeds both the number of transactions and the supply of the capital, 57,000 mortgage loans worth 160 billion rubles were issued. Thus, mortgage borrowers in the capital turned out to be more active, although back in 2014 the Moscow region surpassed the capital in terms of the number of loans issued: 55 thousand mortgages in the region against 46 thousand in the capital.

Experts "Metrium Group" also note that Moscow new buildings are in great demand among mortgage borrowers than those located near Moscow. If in Moscow the share of loans for the purchase of housing under construction accounts for 48% of all mortgages (30 thousand transactions), then in the Moscow region - only 38% (21 thousand transactions).

The share of mortgages is approaching 50%

The main beneficiary of the reduction in mortgage rates in Russia has become the Moscow market of new buildings, experts say "Metrium Group". It was in the capital that the number of transactions with secondary housing did not increase over the past year, but the number of concluded pre-school institutions increased by 52%. The decrease in mortgage rates led to an increase in the share of sales to borrowers to 44%, compared to 36% in 2016 and 27% in 2015. Mortgage acquired the greatest importance in new buildings of the mass segment, where 48% of purchased economy and comfort class apartments were paid for with its help. The share of mortgages in the business class increased to 33%, and in the elite segment - up to 12%.

“In 2017, we recorded a significant increase in buyers with mortgages in high-budget residential complexes, which was uncharacteristic for our segment in pre-crisis times,” comments Roman Sychev, General Director of TEKTA GROUP. - For example, in our Mayakovsky business class project, the share of mortgage holders increased from 15% to 45% during 2017. Thus, by the end of the year, mortgages provided almost half of the sales in the complex, which is even higher than the average for our segment in the capital. Attracting a loan has become much more profitable than using installment plans, which used to be a popular tool for purchasing housing in high-budget segments. I believe that most of our clients expect to repay their loan in the coming years after the purchase.”

Mortgage market risks are growing

Growth in lending against the backdrop of a decline in real incomes of the population increases the risks in the mortgage market. In addition to lowering the cost of loans, the reduction in the minimum down payment (MD) played a big role in activating the demand for mortgages. According to the Central Bank of the Russian Federation, the share of loans with an installment of less than 20% in the total amount of mortgages issued increased from 7% at the beginning of 2017 to 21% at the end of the year. At the same time, banks have become more favorable to borrowers. According to the National Credit Bureau (NCBI), only one-third of mortgage applications were denied, while the approval rate was 67.5%, up 3 percentage points from 2016.

However, analysts "Metrium Group" believe that the threats to the mortgage market are exaggerated by some industry participants. Despite the increase in lending, the number of "bad" debts did not increase, but rather decreased. According to AHML, the share of debt overdue by three months or more amounted to 2.2% in December 2017, while at the end of 2016 it reached 2.65% of the total volume of loans issued.

In addition, analysts say "Metrium Group", the average share of the monthly mortgage payment relative to the income of borrowers is 28% in the country. This level corresponds to the normal indicators of the mortgage market in developed countries, where a payment of about 30% of the family's monthly income is considered acceptable. The exception is Moscow borrowers, who on average give the bank 48% of their monthly income.

“In the information field, there are constantly speculations on the subject of a “bubble” in the mortgage market, which in reality have no serious grounds,” comments Maria Litinetskaya, managing partner of Metrium Group, member of the CBRE partner network. - In my opinion, on the contrary, in Russia the population suffers from a lack of affordable loans to improve housing conditions. If in developed countries the share of mortgages reaches half, or even 100% of GDP, in Russia this figure reaches only 5%. This suggests that even the current record lending rates are only a tenth of the real potential of the mortgage market in our country, where about 41% of the population, according to VTsIOM polls, would like to improve their living conditions. In light of the plans of the Ministry of Construction to increase the annual commissioning of housing to 120 million square meters by 2025. m. (that is, almost double compared to current figures), I believe that the pace of mortgage lending to the population cannot be slowed down, otherwise all these houses will be empty. However, it should be understood that the economy and household incomes must also show growth so that an increase in lending does not lead to an increase in systemic risks.”

For everyone who is interested in the conditions and interest rates on mortgages at Sberbank in the new 2018 - all this!

The new year 2017 has already begun, and therefore it is time to find out what conditions for mortgage products Sberbank offers to potential borrowers.

First of all, of course, many are interested in mortgages with state support. At the moment, the subsidy program has been completed and if it is resumed in one form or another, then you will definitely find out about it from the news on our website.

Interest rates decreased by 0.6-2 percentage points on average

The size of the mandatory minimum down payment for the primary housing market has decreased, now it is 15%.

On June 16, 2017, the Central Bank of Russia lowered the key rate by 0.25% to 9% per annum. This resulted in a significant reduction in mortgage rates for all programs.

Consider the standard mortgage programs of Sberbank, which have been successfully operating for several years.

Mortgage for any housing in Otkritie Bank
Interest rate 10% per annum, no commission! You just need to fill out an application on the site in 5 minutes and wait for a response. Submit your application .

Acquisition of finished housing

Ready-made housing in Sberbank includes any residential property on the secondary market. And these are not only apartments that are familiar to everyone, but also cottages, houses, townhouses and other housing.

You need to understand that not every housing where people actually live can be recognized as residential. You need to focus on the definition given in the Residential Code of the Russian Federation:

Residential premises are isolated premises, which are immovable property and suitable for permanent residence of citizens.

Conditions

Minimum initial payment - from 15%
Interest rate - from 9.4% per annum
Maximum amount - no more than 80% of the contractual or appraised value of housing
Collateral - pledge of acquired real estate
Insurance - compulsory insurance of purchased housing in case of loss or death; voluntary life and health insurance of the borrower

Interest rates on finished housing

The interest rate in Sberbank is not fixed and depends on several parameters. The base interest rate for the secondary market is:

9,5% - base rate
9,4% per annum - the rate for electronic registration of the transaction

These are rates for the so-called basic conditions, which assume that the borrower is a payroll client of Sberbank (or that the housing being purchased was built with the participation of Sberbank loan funds, which needs to be clarified with the developer or the bank), as well as that the borrower draws up a personal life insurance contract and health.

For those who do not receive a salary to an account with Sberbank, the interest rate will be higher by 0.5% (percentage points, to be more precise) - 10.0% per annum. And for those who refuse personal insurance, rates will be higher by 1% - 9.4% per annum.

Within the framework of the rate make up 8.9% and 9.0% per annum.

If you can't figure out what bet size you should expect, ask in the comments.

Acquisition of housing under construction

Promotion for new buildings

The action involves housing in the primary real estate market, this also includes apartments, houses and other residential premises - new buildings, in a word.

Moreover, it can be ready-made and commissioned objects, as well as those under construction.

This promotion is distinguished by a number of advantages over, for example, a mortgage for a "secondary":

A single interest rate that does not depend on the category of the borrower
Reduced requirements for the minimum down payment - from 15%

Base interest rate:

9,5% per annum

If the borrower for some reason refuses personal insurance, the rate will rise to 10.5% per annum. And if he takes advantage of the possibility of electronic registration of the transaction, the rate will drop to 9.4% per annum.

More information about the promotion can be found on its page.

Residential building construction

For those wishing to build a residential building with their own hands or the hands of a contractor, Sberbank has a corresponding program. The loan is issued for the construction of only residential premises on land (IZHS) intended for this purpose.

The conditions are as follows:

Interest rate - from 10.0% per annum
The minimum amount is 300,000 rubles.

Interest rates for housing construction

10,0% per annum

As with other programs, this rate is based on basic conditions. Active allowances:

0.5% if the borrower is not an active payroll client of Sberbank;
1% - refusal from voluntary life and health insurance entails an increase in the rate by 1 percentage point;
1% - until mortgage registration

country estate

Under this program, you can:

buy a land plot;
buy a dacha or other premises not intended for permanent residence;
build a cottage or other premises not intended for permanent residence.

Minimum initial payment - from 25%
Interest rate - from 9.5% per annum
The minimum amount is 300,000 rubles.
Maximum amount - no more than 75% of the contractual or appraised value of housing
Security - a pledge of acquired real estate, a pledge of a land plot or a lease right to it
Insurance - compulsory insurance of purchased housing in case of loss or destruction (the land plot does not need to be insured); voluntary life and health insurance of the borrower

Interest rates on suburban real estate

9,5% per annum

The premiums are the same as for the mortgage programs described earlier in the article.

military mortgage

This program is intended exclusively for military personnel of the Russian Federation. And that is not for everyone, but only for participants in the savings-mortgage system.

In accordance with the law "On the accumulative-mortgage system of housing provision for military personnel", they are entitled to a targeted housing loan.

The conditions for it are very simple:

Interest rate - 10.9% per annum
The maximum loan amount is 2,220,000 rubles.

You can buy housing both in a new building and in the secondary housing market.

There are no additional surcharges or discounts. As well as there is no need to confirm solvency and draw up a life and health insurance contract.

Mortgage registration

You can also apply for a mortgage at the nearest branch of Sberbank.

This can be done both at the place of residence of the borrower and at the location of the acquired property. On average, consideration of the application takes 2-5 business days, but sometimes it can be delayed. Based on the results of the review, an SMS-message will be sent from the bank.

If the application is approved, the borrower has 90 calendar days to search for housing, prepare documents and conclude a loan agreement.

If after reading the article you still have questions or comments - leave them in the comments.

Sberbank has undergone quite important changes in the conditions of mortgage lending.

Interest rate on finished property from 9.1%

In Sberbank residential real estate of the secondary market is considered finished housing. But we mean not only standard apartments in high-rise residential buildings, but also private houses, country cottages, and other residential real estate.
Lending terms:

Rate from 9.1%
Loan amount - at least 300 tr., maximum - 85% of the appraised value of the apartment;
Initial payment - from 15%;
Collateral - a pledge of purchased or other real estate;
Compulsory insurance of purchased housing;
Life insurance at the request of the client;

For borrowers who receive salaries through other banking structures, the rate will be higher.

Interest rates from 7.6% in new buildings

Under this action, apartments of the primary market, put into operation, as well as residential premises that are still at the stage of construction, are suitable.

8.5% per annum - interest rate under the special program for subsidizing mortgages by developers with electronic registration

If the borrower does not wish to conclude a life insurance contract, the rate increases.

Construction of a residential building - 10.3%

Sberbank offers an individual loan program for clients who wish to build their own house on their own or at the expense of contractors. In this case, the issuance of credit funds is supposed only for the construction of a residential building on land plots intended specifically for development.
Lending terms:

Mortgage rate - 10.3% or more.
Mandatory insurance of the house (an insurance agreement for building land is not concluded); life insurance at the request of the client.

Country real estate of the housing stock - 9.8%

The program provides an opportunity:

Purchase a plot of land for development.
Buy a dacha, another piece of real estate that is not suitable for living on permanent terms.
Build a dacha, other property that is not suitable for permanent residence.

Lending terms:

The initial minimum payment is at least 25 percent.
Mortgage rate - 9.8% or more.
The loan amount is a minimum of 300 tr, a maximum of 75% of the appraised value of the property purchased under the mortgage program.
Collateral - a pledge of the purchased property, a pledge of a building plot, the right to lease it.
Compulsory insurance of purchased residential property (an insurance agreement for building land is not concluded); life insurance at the request of the client.

Mortgage program for military personnel - 9.5%

An individual lending program for Russian servicemen who are members of the accumulative mortgage program.
Lending terms:

The rate is 9.5%.
The loan amount is a maximum of 2.502 million.
Down payment - at least 15%

Opportunity to purchase a new or second home. There are no surcharges, there is no need for evidence of the borrower's solvency, registration of an insurance contract for life.

Making a mortgage loan

An application can be left on the DomClick website. The necessary documents can be submitted to any branch of Sberbank located at the place of residence.