Mortgage without down payment in Rosselkhozbank: conditions, interest rate

Housing is one of the main needs of each of us. Unfortunately, in our time own square meters are not expensive. But since it is difficult to exist without an apartment or a house, people solve this problem by making out a targeted loan. And before that they carefully study the proposals that are on the financial market. And many are very interested in a mortgage without an initial payment in Rosselkhozbank.

general information

To begin with, I would like to say that this financial institution can be trusted. Since it is on the sixth place in the reliability rating among 600 Russian banks. The sum of Rosselkhozbank's assets exceeds the amount of 2.76 trillion rubles. And the fact that people trust him with their money, causes trust.

What can we say about such a service as a mortgage without an initial payment in Rosselkhozbank? So, firstly, it exists. And secondly, it is not issued to everyone. In general, there are only three cases in which this is possible.

First: the initial fee is not needed, but the conditions for issuing a mortgage will be stricter. And this will manifest itself either in a shorter period of payment, or in an overvalued percentage.

The second case: as a contribution, the amount that was taken on the security of real estate that the borrower already owns is accepted. The loan for its payment and for the purchase of new housing is issued immediately, together.

And the third case: the maternity capital is used as a contribution, which was received by the borrower at the birth of the child. Here he is just practicing at Rosselkhozbank. By the way, young families (both with the child and without it) are given preferential terms, which mean a lowered rate for the first installment. However, this can be told and more.

Available property

Mortgage without an initial payment in the "Rosselkhozbank" is issued for the purchase of objects of certain categories. People using maternity capital can buy an apartment either on the primary or secondary market. Possible purchase of housing in a newly built house (this, by the way, is the most profitable solution).

Also they are available houses with land and townhouses. Still money can be given out on independent building of the private house. And also for the purchase of a plot of land on which the dwelling will be erected. In addition, a mortgage is issued for the purchase of an unfinished house together with the land, if people plan to complete the construction. It is also possible to obtain a targeted loan for the acquisition of a site.

Main condition

To a mortgage without an initial payment in Rosselkhozbank was approved, the potential borrower must meet certain requirements. The most important thing is worth noting separately.

The Borrower shall have the full right to dispose of the notorious maternity capital. And if the amount that he has, covers the amount of the initial deposit claimed, which is determined by the terms of the preferential program, then the mortgage will be approved. The same will be the case if the amount of money exceeds it. And this means that the initial payment for a potential borrower will be 0%.

Another owner of the housing, which will be transferred to the mortgage, must be an adult. And within three months after the loan is issued, he must apply to the Russian Federation Pension Fund in order to transfer the maternity capital to the bank. This is necessary for a partial repayment of the mortgage - these are the conditions. And, in addition to the standard package of documents, when issuing a loan, you will need to provide a certificate for MSK and a certificate from the pension fund, which will write what exactly is kept on the account of the parent capital.

Documentation

But now you can list the papers that will need to be collected and presented to the person who decided to take a mortgage in Rosselkhozbank. The list is as follows:

1. Application form on the bank letterhead of the established sample.

2. Passport of a citizen of the Russian Federation. The document replacing it (for example, the certificate of the military, passing service) will approach.

3. Military ticket - mandatory for men under the age of 27 years. The alternative is the certificate of admission.

4. A document showing the family situation and the availability of children, if any.

5. Paper confirming the employment of the potential borrower and its financial condition.

6. All documents on the property, the acquisition of which is planned.

The list of securities may be wider - if you need something else, the customer will be notified of this individually.

Basic requirements

Many people have issued this type of loan, like a mortgage, in Rosselkhozbank. Reviews they leave good - they say that the conditions are profitable and understandable, which is important. The organization is good for conscientious customers with a good credit history. This, by the way, is one of the requirements for potential borrowers. There are a few more:

1. Age - a minimum of 21 years. The loan must be repaid up to 65 years.

2. Citizenship is Russian. As well as a residence permit.

3. Work experience - from six months on the last job place. And at least a year for all professional activities in general. For customers of "Rosselkhozbank" there is a discount - they are allowed to have an experience of 3 months at the last place of work.

Elderly people who have gone to legal rest and receive payments from the PF of the Russian Federation to the account opened in this organization, special conditions are offered by Rosselkhozbank. Mortgages for pensioners are provided on sparing conditions - for them the existence of an annual work experience for the last five years is not necessary.

Young families

As you can see, Rosselkhozbank offers quite understandable terms. Mortgages with state support are popular, especially among young families. And for them there is separate information.

A young family is an alliance in which the age of one of the spouses (ideally both) does not exceed the mark of 35 years. Also in this category are potential borrowers without an official partner, but with the child. However, the mother / single father should also not be more than 35 years old.

Privileges

Now about the fee. The mother capital can pay at least 10% of the price of the property. But if it is a new building (primary market) - its size increases to 20%.

An important point: if during the period of the loan the couple was born a child, then they are allowed to postpone the payment of the debt. But only until the moment when the baby is 3 years old.

Interest

This is the most important topic. Everyone wants to know how much he will have to pay as a debt. And these people are interested in the first place, referring to the "Rosselkhozbank." "Mortgage Calculator" - an excellent assistant in the event that you need to calculate everything.

Let's say that the spouses' income in the amount of 60,000 rubles a month. In this case, a loan of up to 2 617 500 rubles may be approved by him. For example, they decided to take two million to buy a one-room apartment for 10 years. The annual rate is 12.9%. And 15% of the amount claimed paid in three months of parent capital. In this case, monthly they will have to give 29,745 rubles to repay the debt. As a maximum, their payment may amount to 43,313 rubles. A large amount of the bank can not accept, even if customers have an additional source of income and they can afford to repay the debt in large amounts. To change the conditions you will have to contact the Rosselkhozbank directly.

"Mortgage-calculator" is a service, good in that it shows a repayment schedule. Looking at it, you can understand how much the person overpaid. If we talk about the above example, in general, the borrowers will pay the bank 3,569,400 rubles. Two million as debt and 1,569,400 (hardly less than the amount borrowed) - as interest.

Information for civil servants

This is not all the interesting proposals that Rosselkhozbank has. The military mortgage is another topic worth noting with attention. Very interesting mechanism of housing acquisition. It is available to servicemen participating in the accumulative mortgage system of housing provision.

So, here's how it works: the military opens a savings account, to which the state lists a certain amount every month. In 2016, it was 245,880 rubles per year. Three years after participating in the NIS, a military man can draw up a report for a certificate that will give him the right to receive a targeted housing loan. When he finds himself in his hands - it's time to select real estate that meets certain requirements. They are established by the Ministry of Defense of Russia, the bank itself and the insurance company.

Further actions

After the military will determine for himself the housing that he would like to buy, you can go to enter into a mortgage agreement. "Rosselkhozbank" opens a separate account, which lists all the funds accumulated in the NIS. They will be paid an initial fee.

Requirements for the borrower are as follows:

1. Citizenship is Russian.

2. The minimum age is 22 years.

3. Maximum - 45 years at the time of debt repayment.

4. The term of participation in the NIS is at least 36 months.

The maximum amount that a soldier can receive as a loan is 2 050 000 rubles for the purchase of an apartment. If you want to purchase a plot with a house - the amount is 1 850 000 rubles. The rate will be equal to 10.5 and 11.5% per annum, respectively. So, as you can see, the apartment is more profitable to buy in all respects. By the way, the accumulated funds within the NIS should be sufficient for at least a 10-percent contribution.

How does repayment occur? The mechanism is simple. Repay the debt FGKU Rosvoenipoteka. Funds are taken from the federal budget. The monthly payment is 1/12 of the amount that the military had as a funded contribution.

What else is worth knowing?

Attention should be noted and other nuances concerning the registration of a loan in an organization such as Rosselkhozbank. Mortgage, interest rate, timing - it's all really important. But it is much more interesting nowadays to know about what needs to be done for the speedy approval of a loan and how to save money. And here are the tips:

1. It is worthwhile to bring as many documents as possible indicating financial solvency. The more papers confirming various sources of income - the better. Many people who are renting out their existing tenancies bring even contracts that testify to the veracity of this fact.

2. Take a mortgage for the minimum possible period. Overpayments will be less.

3. It is desirable to attract a co-borrower. Or even two.

4. The initial contribution should be the maximum - to make the debt less.

5. To get a more advantageous interest rate offer, it is worthwhile to become a client of the bank in advance.

But most importantly - you must first familiarize yourself with all the items prescribed in the terms and conditions of the contract. And only then decide to make a loan. Forethought in financial matters is not superfluous.