Good afternoon, my dear Bank! Let me introduce myself as your former employee, who faithfully worked for you, of course there were mistakes and complaints, but the most important thing in our office (OO Elista-2) was always to treat clients with respect. Everything worked like clockwork, and clients knew that the office would always help them and explain how to proceed. The time has come and we were closed on March 1, 2016, how the office was closed is a separate story, the main thing is that almost all clients were notified and those who wanted took their deposits, closed their accounts, but oh well, that’s not what I want to write about.

I would like to write that in March 2014 I became a co-borrower for mortgage loan MOSOBLBANK with an employee who was working at that time credit expert. Yes, he did something stupid, my wife is still nagging me, in the end the paradox is that I fired him myself (I perfectly understood that the time was such, it was very difficult to find a job, but I could not do otherwise, he wrote a statement on at will) and from then on he stopped paying, he and his wife ran away, he sits in St. Petersburg and says that there is no money. I corresponded with the head office about applying for a loan in my name and the borrowers were not against re-registering the apartment in my name, the bank agreed, but with an increase interest rate by 2 or 3 percent, and it’s not cheap anyway, but there’s even more bondage. I refused. I tried to sell the apartment together with the borrowers, but you are in a crisis. A 4-room apartment cost about 3 million rubles, now it’s around 2.5 million rubles. and what’s also cool is that they started renovations and everything in this apartment was broken, opened, torn off, and that’s where their renovation ended. The red price, as realtors say, is 2.4 million rubles. and this despite the fact that all the stars must align.

As a result, on this moment I can’t sell the apartment, I have a debt writ of execution about 2.5 million rubles, more than 170 thousand rubles have been withheld from salaries at the moment. Since November, when the court decision came into force, I have been corresponding with the idea of ​​buying out the debt in installments under an assignment agreement, getting a mortgage for me to cover this debt, offering a bunch of options, because my home bank does not have its own proposals to settle the debt. And I received the first verbal response at the end of April that the bank was offering to buy back the debt in one payment, okay, one payment at a time. At that time I sold my apartment (this is also a separate story and I’m the last goat in it, and the main thing that’s disgusting is that I sold my excellent apartment (with fresh renovation) at a big discount, because I realized that with my native bank " You can’t cook porridge.”

And now another catch. I want to close the debt under the writ of execution, but they tell me that the amount is 100 thousand rubles. already more, because the bank did not terminate the contract with me. Got it, thank you, I point to clause 6.10, no, they say you are interpreting this clause incorrectly. Now I want to request a certificate stating how much money was withheld from wages, we played football for half a day, despite the fact that I know many of the employees, because at one time I worked and communicated with them almost every day. I understand everything, there was a big reduction, many specialists were laid off, the workload increased, and the credit committee could not meet for more than 3 months, because many were laid off, and new ones were not approved. I have nothing to do with this as a client, you couldn’t decide for more than six months, but I wrote a bunch of applications, I’m constantly calling, asking how things are going and now you owe us another 100 thousand rubles. above. What kind of arbitrariness is this? There is no limit to indignation, but I understand that emotions will not help the matter, but to be honest, I want to humanely send my dear Bank to the forest, etc.

I wrote a statement that I ask you, my home bank, to conclude an assignment agreement with my wife for the balance of the debt under the writ of execution, or at least give an official answer that if I pay off the debt under the writ of execution, there will be no claims and the mortgage will be sent to as soon as possible. I
I hope that there are still specialists at the Bank who understand the following:
1) I will refer in court to paragraph 6.10 and what you wrote there “in a foreign” language in quotation marks is your problem;
2) I have filed all the statements since November 2015 and I will show this in court, but I have not received a single answer, and it turns out that the Bank itself has been delaying time in order to impose further penalties on top;
3) I know what we have arbitrage practice in different regions it may be different on the same issue, but here in the Republic of Kalmykia on repeated statements of claim almost always a refusal.

I have a request to my native Bank, close the loan agreements after the court decision, you will save your specialists and the bank from many problems, and I think you will have fewer problem assets if my native Bank turns its face to clients (debtors are also clients of the Bank and just “people” for the most part who find themselves in a difficult life situation). A small example of the work of another Bank in Elista: The co-borrower (debtor) himself expresses a desire to repay the debt, but he does not have enough of the entire amount, for the rest they issue him a loan with additional co-borrowers. Interesting, yes, I suggested this option to you. As the saying goes, “the sheep are safe and the wolves are fed.” In conclusion, I would like to wish my native Bank financial stability, good and competent specialists and to find a human face. Honestly, it’s a shame for my dear Bank, what they turned you into!

Best regards, your former employee.

Mosoblbank allows any category of citizens to obtain a mortgage at a rate much lower than that offered even by large financial institutions such as Sberbank of Russia - only 8.5%. Among the advantages of cooperation with this organization is also the provision of affordable banking products for young families and obtaining a military mortgage on acceptable terms.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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How is a loan agreement signed, is it possible to receive a loan under the program for young teachers. The pros and cons of lending at Mosoblbank will be discussed in this publication.

About the bank

Moscow Regional Bank was created in 1992. Accepted into the deposit insurance system. Authorized capital, guaranteeing the fulfillment of obligations to clients amounts to 4.5 billion rubles in 2019. It has 63 regional divisions in Russia. There are 19 offices in Moscow and the Moscow region.

At the beginning of 2019, it occupies a position in the TOP-30 main banks of Russia according to various parameters, including the package of loans issued to improve housing conditions.

Provides services to individuals and organizations in the field of placing deposits, servicing plastic cards various international systems, releases investment coins and provides safe deposit boxes for payments.

Payments for issued loans and deposits of cash are made using terminals, of which there are 407 in the Russian Federation; there are also 258 payment terminals operating.

The shareholders are JSC SMP Bank in the amount of 98.31%, the remaining assets are divided between private investors.

Mosoblbank is an active participant in the Association of Russian Banks and TPP of the Russian Federation, the Association of Regional Russian Banks.

Conditions

Mortgage lending is carried out on the basis of the following programs:

Secondary housing	Provides for the purchase of ready-to-construction real estate - apartments or apartments. The rate reaches a minimum of 10.9% per year. The loan term ranges from 3 to 25 years. The bet size is fixed depending on the volume down payment: when depositing 40% of the value of the property, it is 11.20% per annum for the “Preferential” client category, and 11.70% per annum for participants in the “Retail” program. When financing a purchase in the amount of 5 to 29%, for preferential borrowers the tariff is 11.40%, for other categories of citizens - 11.90% per annum. Rates are valid for customers who have purchased a package personal insurance. With absence title insurance the rate increases by 1% per year on the outstanding balance. In the absence of personal insurance, the tariff increases by 1%, and when only covering risks on real estate is provided - by 2%. If the assignment of the right of claim on the initiative of clients is prohibited, then the interest rate increases by 1 point
Property in a new building	Involves concluding agreements for shared participation in construction with reliable companies selected and recommended by the lending bank. The minimum accepted rate is 10.9% per year. It is possible to register only properties of accredited developers, the list of which is presented on the official website of Mosoblbank. The interest rate is set in the same manner as when purchasing an object on the secondary market
Money on bail	As collateral, it is possible to place existing real estate with a loan. The maximum down payment is 60% of the cost of the purchased apartment. The interest rate in this case is 14% per year for the preferential category of clients, 14.50% per year for other citizens. The maximum loan size is RUB 5 million. or in foreign monetary units in equivalent terms. When purchasing real estate above the specified value, confirmation is provided intended use funds

The minimum amount of funds for a loan is set at RUB 400,000.

Requirements for clients

Categories of citizens who meet the following requirements are considered as borrowers:

• citizens of Russia with registration in the country;
• availability is required labor relations- accepted in mortgage program only hired workers, with the exception of accepting applications from individual entrepreneurs, managers or institutions of organizations;
• having a stable income in the form of wages, other payments are accepted in the form of pension and social charges, receipt of rent from the rental of property;
• When concluding an agreement, no more than 3 co-borrowers are accepted; the loan amount can be calculated taking into account their total income;
• The length of service at the last place of employment must be at least 3 months.

When completing a loan transaction, the borrower’s personal presence at the bank is required and when registering collateral for a property at the Rosreestr branch. Representation by proxy in such cases is not permitted even in exceptional cases.

How to get a mortgage at Mosoblbank

To conclude an agreement mortgage lending the following steps are required:

1. Submit an application indicating your passport details and information about your income level at a bank branch.
2. Wait for the decision to be made. If the outcome is positive, search for real estate with a value that the bank is willing to issue as a loan.
3. Provide documentation for the selected object in copies and originals for verification.
4. To appear to conclude a loan agreement, you can first draw up a written agreement with the seller of the apartment.
5. Making payments according to the payment schedule or ahead of schedule with revision of payment periods and amounts contributed towards the execution of the loan agreement. Registration of real estate pledge and purchase and sale transactions in Rosreestr.
6. Obtaining a certificate of absence of debt and an agreement to terminate the loan agreement from the bank. Submitting them to the registration authority to remove restrictions. Receiving a new statement with a note indicating that there is no encumbrance in the form of a mortgage under the loan agreement. After this, the former borrower, the owner, can dispose of the property at his own discretion.

The spouse, in the absence of a marriage certificate or other document on the allocation of shares in jointly acquired property into the personal property of the husband and wife, automatically assumes the role of borrowers and bears joint liability under the loan agreement.

Military mortgage

Mosoblbank has state accreditation to provide banking services under the Military Mortgage program. A special feature of the program is that payments are financed through government subsidies.

To pay the initial fee, you must have 3 years of service and provide an NIS participant certificate. Funds are transferred at the expense of federal budget with the assistance of the Ministry of Defense and Federal State Unitary Enterprise Rosvoenipoteka.

For young teachers

The bank participates in federal program providing mortgages for young teachers. Part of the funds is provided through government funding. An innovation is the possibility of purchasing a house under the program with land plot. Citizens can receive a loan even if they do not have the status of a participant in the program for young teachers, but are employed in such a position.

Opportunity provided early repayment without imposing a moratorium or fees when the debt is fully or partially covered.

There are no fees for processing the loan. There is also no interest on cashing out credit funds.

Documentation

To draw up a loan agreement for the purchase of real estate, you will need to provide:

• application form filled with personal data according to the bank form;
• Availability insurance policy in relation to a real estate property - necessarily, due to risks associated with the identity of the borrower/co-borrower, guarantors or loss of title to the property due to unforeseen circumstances, it is possible to refuse services with an increase in the tariff rate;
• confirmation of income from the main place of earnings, calculation of pension and social benefits, payments under contracts commercial hiring premises owned by the borrower.

For apartments transferred as collateral under a loan agreement, certain requirements are established:

• the property is located no more than 100 km from the city limits;
• complete landscaping, connection to the energy supply system, utility systems, installation of doors and windows, presence of a roof, utility networks to provide utilities, working plumbing equipment;
• the presence of a separate kitchen and bathroom from other apartments, therefore they are not accepted as provision for rooms in dormitories and communal apartments;
• property should not be pledged, mortgaged, be the subject of legal disputes, seized on the basis of a decision of the Service bailiffs, with claims of third parties;
• lending is carried out subject to mandatory registration of encumbrances - restrictions on the right to dispose of real estate;
• the premises must be located in a house with at least 2 floors;
• premises with wooden floors are not accepted for mortgage, monolithic structures, brick and other materials are allowed;
• depreciation of the building should not exceed 60% based on expert opinion appraisers;
• houses with a construction date earlier than 1970 are usually not accepted into the program;
• individual private buildings and land plots cannot be the subject of loan agreements and collateral;
• the premises must be in proper condition, without defects that prevent it from being used for its intended purpose; if the building threatens to collapse or is in disrepair and is registered as such, the bank will credit relations will not accept him.

The full cost of the loan is determined by the cost of the apartment and the amount of the down payment. The price of housing is calculated by experts, subject to drawing up a conclusion on the analysis of the market situation on the real estate market in a certain region.

Based on the specified data, the insurance amount is calculated for the risks of loss or destruction of the collateral. The assessment is carried out both by a company recommended by the creditor bank and by any other organization with the approval of the appointed institution by Mosoblbank.

To consider an application at a bank branch, all documents for the property being purchased or pledged as collateral must be provided in originals for comparison with the submitted copies.

For the collateral and for the purchase of real estate you will need:

• title documents confirming the seller’s ownership, plus a certificate of ownership from Rosreestr;
• an extract from the Unified State Register of Real Estate stating that there are no restrictions on the disposal of the property;
• cadastral and technical certificate highlighting the characteristics of the living space;
• notarized consent given by the spouse to register ownership of the residential premises and conclude a loan agreement, when establishing a separate regime for the use of property - a marriage contract or an agreement on the allocation of shares;
• an extract from the house register indicating that there are no persons registered in the premises;
• a certificate from the house administration stating that there is no debt for utilities;
• expert opinion on the condition of the residential premises and its value;
• when classifying a house as a cultural heritage site, a security certificate from authorized body control over transactions with such real estate.

Advantages and disadvantages

The advantages of mortgage lending at Mosoblbank include:

• low interest rate;
• a large percentage of approval of transactions that were rejected by others credit institutions, including Sberbank of the Russian Federation;
• Possibility of funding for programs for young teachers and military personnel preferential terms when providing subsidies by the state;
• the ability to repay all or part of the debt using funds maternity capital, certificate of participation in the NIS program;
• purchase of houses with land plots special program for young teachers.

Among the disadvantages are:

• increasing the interest rate when refusing voluntary and title insurance;

Mosoblbank, military mortgage which is known for its favorable conditions, is implementing it together with FGKU Rosvoenipoteka and OJSC AHML. Military mortgage Mosoblbank is intended to provide housing for military personnel.

Mosoblbank military mortgage

It is designed for military participants of the NIS. Thanks to a military mortgage from Mosoblbank, you can get housing without attracting own funds. In addition, the borrower chooses the apartment in the region himself, and the state repays the mortgage loan.

The advantages of the Mosoblbank military mortgage program include the following:

Low interest rate,

Quick Review loan application(1-3 days, subject to the availability of a complete package of necessary documents),

Opportunity to buy an apartment after 3 years of service,

The down payment can be cash, which are allocated to the military from the federal budget (in this case, a personal account is opened for each of the NIS participants, where funds from the federal budget are accumulated during the passage);

You can repay the loan early;

You can buy housing in any region of the country, regardless of your place of service,

The maximum loan size is up to 2,300 thousand rubles;

You can buy secondary housing, including those located in the accredited territory of low-rise buildings,

Purchase on the secondary housing market under a contract of a residential building with a land plot, including low-rise buildings located in the accredited territory,

You can buy housing under this program not only for an officer, but also for a private contractor,

Availability of the opportunity to re-enter the savings-mortgage system,

Availability of the possibility of repaying the loan, taking out a new target loan under the military lending program home loan and purchasing an apartment with a larger area.

After only 3 years of participation in the NIS, the military acquires the right to use a targeted housing loan to purchase their home, even with the involvement of mortgage lending funds.

Especially for each client who contacted the Bank in order to obtain a loan under the Mosoblbank “Military Mortgage” program and concluded loan agreement, developed consumer loan on preferential terms. It can be used for repair new apartment or how additional payment for the purchase of an apartment under the NIS program.

One of the most popular ways to get housing at your disposal is to arrange its purchase from a bank through mortgage programs.

What does a mortgage offer?

Modern banking system implies the ability to get a loan for anything, including real estate.
The main advantage of taking out a mortgage will be:
. no need to pay full cost housing immediately;
. ability to pay off mortgage over time long term- several decades;
. ability to pay small amounts, which allows you not to infringe on your desires.
That is why applying for a mortgage will be convenient for everyone. Moreover, there are a lot of programs that involve the purchase of real estate, both on the primary market and on the secondary market.

Disadvantages of taking out a mortgage

By contacting any bank, you can find out all the detailed conditions for obtaining a mortgage. For example, in Mosoblbank, a mortgage implies that the borrower has a complete package of documents, including both identification documents and income certificates that can prove to the bank the borrower’s solvency. If you do not provide a certificate, you can offer it to the bank mortgaged property. Of course, a mortgage involves registering the purchased apartment or house as collateral. But since the bank does not want to lose interest on its service, it may be necessary to mortgage other property of the borrower.
In addition, obtaining a mortgage will require certain capital investments. In particular, you will need to pay a down payment, which, depending on the specific loan program, ranges from 20 to 50% of the cost of housing. That is why it is necessary to study in detail the existing credit programs from different banks and choose the appropriate option among them.

What can Finbroker offer a borrower?

Many people try to get a mortgage from banks. However, not everyone succeeds - in most cases, banks refuse the borrower.
There could be a lot of reasons for this:
. bad credit history borrower;
. absence of some of the documents necessary for obtaining a mortgage;
. prove to the bank your own solvency.
In any of the above cases, the borrower will be denied a mortgage.
What does our company offer
As such, our Finbroker company can offer its clients a lot of opportunities:
. We will help you obtain a mortgage even for those who cannot offer the bank a full package of documents, including a certificate of income, or other evidence of solvency;
. Thanks to close cooperation with companies involved in the real estate sector, our borrowers can count on searching and selecting the optimal housing that will meet the requirements of our client;
. finally, we will be able to accompany the transaction, check all documents in order to protect our client from processing unnecessary services and from spending extra money.
Another opportunity offered by our company is the opportunity to receive free consultation. To do this, you just need to fill out the form on our website.