Owning a home is the dream of many people, but construction requires a lot of money. Not everyone who wants to build a house has that kind of money. Banks respond to demand and offer appropriate lending programs to customers.

In 2020, Vozrozhdeniye Bank's line of loans includes products that can be used when building a house. Borrowing conditions are determined individually based on the results of an assessment of a potential borrower and other nuances related to the consideration of an application.

Advantages of Bank Vozrozhdeniye loans for building a house

Bank Vozrozhdeniye loan is an opportunity to pay the costs of building a house when own funds this is not enough. You can start work immediately, and pay off the bank gradually, in accordance with the repayment schedule.

However, taking into account the fact that the loan amount can be significant, you should objectively calculate your financial capabilities. The approximate amount of the monthly payment can be calculated using the online calculator.

How to get a loan from Vozrozhdeniye Bank to build a house?

Building a house is a long process, the financing of costs is not carried out at once, but sequentially, in parts. Therefore, it is good practice for the borrower to estimate the distribution of future spending over time as accurately as possible. It is important to understand how much borrowed money, and what part can be taken from current income. This will determine what characteristics of the loan, primarily the amount and term of borrowing, you need to specify in the application.

To obtain a loan, you need to contact the Vozrozhdeniye Bank and fill out an application. You can also do this through our website. If you find the “online” link in the product description (“Apply a loan”), you can click on it to go to the bank’s website and apply online. If approved, Bank Vozrozhdenie will send a loan offer on individual terms. Then it remains to sign the contract, after which the bank will transfer the funds.

To buy your own home in the primary or secondary market good decision can become a mortgage in Vozrozhdeniye Bank. financial organization offers a wide range of mortgage programs, through which you can buy an apartment in a ready-made house, housing in a new building or a ready-made Vacation home, also provides several special profitable programs. The duration of the return can be up to 30 years - this will minimize monthly payment.

Borrowers can choose from the following popular mortgage offers:

1. "Secondary market". Under such a program, the minimum interest rate will be 8.5%, you can buy apartments in already built, commissioned and occupied houses. Size down payment must be at least 15% of the price of the purchased property. The maximum amount of issuance exceeds 25 million rubles.
2. "New building". In this case minimum bid will be similar - from 8.5% per annum, and the first installment is reduced to only 10% of the price of the object. In the primary market, you can purchase an apartment, townhouse or apartment, and it is also allowed to attract up to 3 co-borrowers. To reduce the rate, the client must conclude a comprehensive insurance contract that minimizes the risks of the bank.
3. "Ready House". Under this program, the rate will be equal to 10%, the first installment - from 30%. It is allowed to purchase a private house with a land plot, the object must have a complete set of documents. The cost of real estate can reach 6 million rubles. This is an opportunity to move out of town for those who do not want to buy a cramped apartment in a high-rise building.
4. "Purchase of real estate with state support" at a rate of 4% per annum. Mortgages at Vozrozhdeniye Bank are provided with a reduced overpayment to certain privileged categories of citizens, including large families. In this case, the state partially compensates for the overpayment, the amount of the first installment must be at least 20% of the cost of housing. It is allowed to buy apartments in houses under construction.

This is an incomplete list of proposals operating within the framework. It also offers various options for refinancing, including with the help of state support. One of the programs is "Alternative" - ​​the issuance of a loan secured by an already owned housing.

Conditions for issuing a mortgage loan at Vozrozhdeniye Bank

A citizen of the Russian Federation over the age of 21 can become a borrower. At the time of redemption, the age limit should not exceed 70 years. Permanent registration on the territory of Russia is required, bank branches are represented throughout the country. One of the conditions for lending is the presence of a permanent income: duration seniority For employees must be at least 6 months, for payroll clients 3 months is enough.

Mortgage in Bank Vozrozhdenie is available individual entrepreneurs However, they must have at least 2 years of experience. Special conditions valid for payroll customers and holders bank cards: it is easier for the bank to control their financial viability, therefore interest rates reduced for them. To minimize the overpayment, it is necessary to insure the acquired property, as well as the life and health of the borrower.

Documentation

To obtain a mortgage under any program at Vozrozhdeniye Bank, the client must provide the following set of documents:

1. Application form for a mortgage loan. It is obtained and filled out directly at the bank branch, it can also be done online.
2. Passport of a citizen of the Russian Federation with a mark about permanent residence permit. If co-borrowers are involved in obtaining, they will also need originals and copies of passports.
3. Documents confirming income are a 2-NDFL certificate or a certificate in the form of a bank for the last six months.
4. Copy work book to confirm official employment.

Benefits of mortgage lending at Vozrozhdeniye Bank

Mortgages under Vozrozhdeniye Bank's programs are in demand due to the variety of offers, relatively low interest rates and a reduced down payment. This makes home loans more accessible to middle-income families. As with other banks, such offers have their pros and cons.

pros

Main advantages mortgage lending in this organization:

1. Quick accreditation of housing in new buildings, the ability to buy various objects in the primary market.
2. Possibility to apply online using a special form on the site.
3. A wide range of programs targeted at different categories of recipients.
4. Fast review of applications - it takes an average of 1 to 2 days.

Minuses

Home loans in this bank have their drawbacks:

1. Sufficiently high requirements for clients, a thorough check of solvency and the availability of confirmed official income.
2. An impressive overpayment long term return. The maximum term reaches 30 years, as a result, you will have to overpay almost three times.
3. High requirements for purchased housing - it must meet all liquidity standards. It is especially difficult to find a private house that would be ideally properly decorated as a property.

Such disadvantages are due to the bank's desire to minimize risks and guarantee a profit. Can be found quite profitable option and purchase housing that will be really comfortable and inexpensive.

At the level of modern housing prices, not everyone can afford to buy an apartment or a house. For citizens with an average income level, the accumulation of the required amount can take 10-15 years. Many are not willing to wait that long, and optimal solution in this case there will be a mortgage in Renaissance.

Having calculated with the help of a special calculator the main terms of the loan: the annual interest, the amount of the monthly payment, the overpayment on the loan for the entire term, the potential borrower can choose mortgage program based on their financial capabilities.

When choosing a program, you should also pay attention to the minimum initial payment required by the bank. As a down payment, banks can accept the amount maternity capital.

Also popular now are online loan applications that can be submitted on the website of a bank or other information resources. With their help, the borrower can get a preliminary loan decision without leaving home.

The borrower should take into account that it is possible to take out a mortgage if the amount of the monthly loan payment does not exceed, as a rule, 50-60% of the average monthly income of the borrower. With rare exceptions, banks allow the ratio of payment and income at the level of 70-80%.

What loan amount can I expect?

The bank always approves maximum amount, which can be issued to the borrower and co-borrowers specified in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

How to increase the chances of obtaining a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income statement and a copy of the work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering with personal account . After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the onset insured event(disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

For example, to increase your chances of receiving a larger amount upon approval, you can involve co-borrowers - participants salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. By minimum size We recommend using the DomClick calculator for the down payment.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving Money maternity capital, since this amount is transferred from Pension Fund not right away.

Also, maternity capital funds can be used for early repayment of an existing loan.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration istrations (is additional service and paid separately)

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

Nobody lived in the new building before you, the price is for square meter smaller than an apartment of the same class in the secondary housing, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents move in, most likely, you will have to wait for infrastructure development and completion of repairs at the neighbors.

As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.

What is the processing time for a loan application?

Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

How is the process of obtaining a mortgage at Sberbank through DomClick?

Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach Required documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

This mortgage product is quite complicated for both the borrower and the lender. The point is that at the stage of obtaining loan funds the object in which they are planned to be invested cannot be pledged to the bank. Because the object itself is not there yet; at best, the process of its construction is underway.

Accordingly, at least until the completion of construction, other property will need to be provided as collateral (usually Residential Properties), which must be agreed with the future pledgee. You will also need to agree land plot and future building on it.

Advantages of a mortgage for the construction of a private house from Vozrozhdeniye Bank

Important advantages of a mortgage loan for the construction of individual housing are low compared to consumer loans interest rates, and relatively high lending limits. The use of non-targeted loans for the construction of a private house in 2020 is fraught with a greater overpayment. In this case, the funds provided may not be enough.

In addition, the borrower receives a partner in the person of the bank, who is interested both in issuing a loan and in justified, balanced decisions when choosing or planning an object, during the implementation of the project. This fact can be put to good use.

How to get a mortgage for the construction of a private house at Vozrozhdeniye Bank?

If the applicant already has a clear understanding of where and what kind of house he wants to build (or perhaps he has in mind a specific land plot or an unfinished building in the Moscow region), you should immediately reveal your cards to the bank. It is possible that Bank Vozrozhdenie will have issues that are best resolved at the very beginning. If such specifics are not yet available, it is useful to discuss potential options with the lender.

An important issue is security. In order to be approved for a mortgage, you must provide the existing property as collateral.

Upon reaching an understanding with a credit institution on the indicated positions, it remains to confirm solvency and submit an application with a set of documents. It is better to clarify the algorithm of actions in more detail directly at the office or contact center of Bank Vozrozhdenie.