Bank Vozrozhdenie: mortgage (conditions)

The financial organization "Revival" is included in the TOP-50 banks of Russia for reliability and popularity. She is on the 37th place. To date, the total assets of this organization is slightly less than 243 billion rubles. Bank Vozrozhdenie is completely different. Mortgage is one of the most popular.

General terms

The maximum loan amount is 30,000,000 rubles. Initial payment - at least 20% of the total cost of the planned purchase. Duration - from 5 to 30 years. The annual rate starts from 11.85%. The loan is annulled monthly with annuity payments. Perhaps early repayment - but only three months after registration (no commission).

Naturally, to provide a loan of this type was approved, you need to produce some documents. This is a questionnaire of a potential borrower, a passport with Russian citizenship (+ photocopies of all completed pages), a military ticket for men (aged up to 27 years), a copy of the workbook certified by the employer, and a 2-NDFL certificate.

And, of course, you need the title documents for the property you are purchasing. Plus, you will need a technical passport of the facility, an extract from the EGRN (it indicates the absence of encumbrances) and a copy of the seller's passport. The appraisal report of the independent expert is also included in the list of documents required for presentation.

Mortgage with the "PSN Group"

This is the first credit product offered by Vozrozhdenie Bank. Mortgage, whatever it is, entails the conclusion of a contract of purchase / sale. And, if it has to be done, why not turn to a reliable seller?

The bank offers, in this regard, a targeted loan for the purchase of an apartment in the facility the construction of which is being carried out by the SPN Group, a large developer that has been operating for a very long time, and always bringing its projects to the end. Bank Vozrozhdenie cooperates with him.

Mortgage seems to be profitable. The client is allowed to issue it together with two additional co-borrowers. The base rate starts at 13% per annum, taking into account the performance of property and personal insurance. The initial contribution is from 0% to 85%. The application is considered within 2 to 15 days from the date of application.

Approximate calculation

Looking at the numbers, it will be possible to understand the scheme much faster. So, what does Vozrozhdenie Bank offer? Mortgage, which was mentioned above, is very popular. In addition, this service is actively advertised. What happens in practice?

Let's say a person picked up an apartment for 3 000 000 rubles and decided to pay the amount for 5 years. In total, he will have to give 4 088 764 rubles. The amount of interest will be 1,088,764 rubles.

In the first month, he will pay 32,500 rubles. In the future, the amount of the monthly payment will be 69 935 p / month. A considerable amount, but if you take a targeted loan of this type and only for this period, this is the best option.

Because the same mortgage, with the same amount, but for 10 years, will cost much more. Despite the fact that the monthly payment is 45,165 rubles. But in the end, people pay 5,362,058 rubles. Of which 2,361,058 will be interest. It is worth recalling that 3,000,000 are taken on credit. The amount of interest is not much less than the one that was borrowed.

But, by the way, Vozrozhdeniye Bank has a very convenient online calculator with which you can calculate everything. There is even a separate item, in which everything is painted for years - interest paid, debt and the amount given for the whole year.

«Apartment-New building»

This is the name of another loan product that Vozrozhdenie Bank offers. The mortgage of the condition has the following: 10 000 000 rubles as a maximum, the rate starts from 12.95%, and the term is from 1 to 30 years. The client gets the opportunity to issue a targeted loan for the purchase of housing in an apartment building from the number of facilities that are built by the PIK Group.

Also it is allowed to attract two co-borrowers. The initial fee is from 0% to 20%. The insurance is obligatory, and for its registration and subsequent extension, a commission is charged. For the first year of lending, the amount will be 1% of the loan amount. But as a maximum - 100 000 rubles. For the second and all subsequent years, insurance will be 0.7% of the balance of loan debt.

Profitable proposition

Now many people buy apartments in houses that are only being built. And this is really a very profitable solution, since housing in erected buildings is 20-30% cheaper than in already completed and commissioned facilities. In fact, the borrower takes part in shared construction. This is what Vozrozhdenie Bank offers.

Mortgage reviews get good. All the developers who cooperate with this financial institution are time-tested. This group of companies "INTECO", SC "Aircraft Development", GC "Morton", as well as GC "Etalon-Invest", LCD "New Zelenograd", LCD "Vidnoe-Kupelinka" and GC "MP Group".

The rate starts from 13%, the maximum amount available for the loan is 30 million rubles. And the initial contribution is from 0% to 85%. Interestingly, in terms of payment of interest and debt - this is the same rate as the one that was mentioned at the very beginning. But only in this case for three million you can buy a better apartment, as in the finished house it will build by 20-30% more. So, according to the first tariff, a person would have to take a 20-30% more volume loan.

Targeted loan with subsidies

This service is also offered by Vozrozhdenie Bank. Mortgage for secondary housing at all times was popular. And this financial organization has decided to ease the conditions for its potential customers. It was not for nothing that a month ago, on November 22, 2016, it was announced that Renaissance had entered the top five banks with the lowest interest rate on mortgages with state support.

After all, customers are offered only 10.9% per annum. Considering that everywhere, at least, 13%, does not surprise such a high rating of this organization. Lowering the rate is an additional incentive for many people wishing to acquire their own square meters.

What else is important to know?

There are some other reasons why people turn to Vozrozhdenie Bank. Mortgage for two documents - that's what kind of service you can get there. But there are no specific conditions - everything is negotiated individually.

Also in this organization it is possible to take a mortgage for the purchase of non-residential premises. If a person decides to buy it from those companies that cooperate with the bank, then the rate will be 12.5% per annum.

And it is worthwhile to know that in the organization you can take a targeted loan for improving living conditions. This service is often paid attention to people who applied to the bank "Vozrozhdenie."

Mortgage documents involve presenting the most diverse. The more of them there are, the higher the probability of obtaining a loan. For individual entrepreneurs, in addition to everything previously mentioned, you need a certificate of state registration of business (+ copies), an extract from EGRIP, a tax return on personal income tax, certificates from banks on turnover and operations on settlement accounts, etc.

In fact, the topic of the mortgage is very extensive and contains a lot of "underwater" stones. Therefore, if you want to issue a loan of this type, you need to carefully study all the information and become acquainted with various nuances.