FinanceMortgage

Need a mortgage? Rosselkhozbank is always ready to provide its services

Recently, the credit market of the Russian Federation is undergoing great changes. This is due to the fact that a huge number of banks could not survive the first years of the financial crisis. In many organizations, such a service as a mortgage has completely changed. Rosselkhozbank is an excellent example of new trends in the credit market.

Because of the fluctuations of rates during the crisis, many were forced to offer their investors very high interest rates, which in turn only led to further bankruptcy. In addition, many organizations were forced to invest their money in enterprises with very high risk, which for many ended very badly. Such a policy of financial institutions has greatly undermined the credibility of the average user. It is because of the struggle for the consumer that banks were forced to change their credit programs towards greater convenience and fewer hidden payments. Another important role was played by the recently adopted bill, which protects the rights of both depositors and borrowers of the bank. Now the financial institution is obliged to provide the most complete and timely information about all the requested payments related to the registration of the credit program.

Rosselkhozbank: mortgage, terms of 2013

With the development of modern technology and the credit market, obtaining a credit program is greatly simplified. Now you do not have to break a pile of papers to issue such a service as a mortgage. Rosselhozbank provides loans at soft interest rates - from 12 to 14% per annum. You can obtain such a loan simply by completing the application form and submitting the necessary package of documents to the financial institution:

  • A valid passport of a citizen of the Russian Federation;
  • Active residence registration near one of the branches of Rosselkhozbank;
  • The second document that can confirm the identity of the client;
  • Signature of the guarantor.

Purchased property usually acts as a lien in the design of a program such as a mortgage. Rosselkhozbank is ready to consider in the form of a pledge not only a completed real estate, but also shares in a newly built house or land plots. Young families should also remember that there are several government subsidies, with which you can solve the land issue with a minimum of effort.

Rosselkhozbank: mortgage for construction

In addition to processing the program for already ready housing, the borrower can get a loan for real estate in a newly built house. This program will be slightly different from the standard one. The first difference is the increased interest rate on the program until the moment of putting the house into operation. The percentage will be about 16%. However, when the construction is completed, the rate will be lower than the general mortgage program. Rosselkhozbank in this case will provide a loan at a 13% overpayment per year. Making a loan for a house under construction is the most wise option. In this case, overpayment on the loan will just cover the difference between the newly built apartment and the apartment in the old house.

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