Take a mortgage in the Russian Agricultural Bank calculator. How to get a loan to buy a home in the Russian Agricultural Bank? Who can get a mortgage at Rosselkhozbank

January 2019

Housing in our time is quite expensive, and not everyone can buy it at their own expense. Most people in such cases turn to the bank for help and take a cash loan. This article contains the necessary information about all available types of mortgages in Rosselkhozbank.

Mortgage interest rates at Rosselkhozbank

The loan rate is one of the main factors that you need to pay attention to when looking for the best offer. The fact is that the amount of the overpayment will depend on the size of the interest rate. The lower the rate, the better for the borrower.

Recently, the rate has been gradually decreasing. For example, in Rosselkhozbank in 2018, mortgage interest was reduced by about 2%. And now the interest does not depend on the term of the loan and the amount of the first installment.

The rate is affected only by the type of property purchased, the amount of the loan, as well as the category of the client. Moreover, the last point plays a rather important role, since Rosselkhozbank offers various types of mortgage lending for different categories of borrowers. Each of these types has unique lending conditions. Below, all types of mortgages and the conditions for their provision at the Russian Agricultural Bank will be listed in detail.

Mortgage for the purchase of residential property

The presented type of cash loan is considered the most common and in demand among all types of mortgages. By issuing such a loan, it will be possible to purchase the following types of real estate:

apartment in the primary market;
apartment on the secondary market;
a piece of land on which residential buildings are located;
a piece of land without buildings;
properties that are under construction.

The loan interest rate depends on the following factors:

Purpose of lending. This includes the purchase of an apartment on the primary or secondary real estate market, the acquisition of a residential building together with a land plot, as well as the acquisition of a plot without buildings.
Amount of credit. The rate differs for loan amounts up to RUB 3 million or more.
Borrower category. For borrowers with salary cards of the Russian Agricultural Bank, and employees of budgetary organizations, there is a special interest rate.

Government-supported mortgages for families with children

Since Rosselkhozbank is an organization owned by the state, there are various programs with state support. For example, in the presented bank, a young family with two or three children who were born or will be born between 2018 and 2022 can get a loan with more favorable conditions.

Advantages of this type of mortgage:

preferential interest rate, the amount of which is 6% per annum;
there are no various commissions on the loan;
early full repayment of the existing loan is possible without penalties.

Validity of preferential interest rate:

if a second child was born in the family, preferential terms at the rate are provided for 3 years;
if a third child was born in the family, then the duration of preferential conditions is 5 years.

Conditions for granting a preferential rate:

fulfillment by the borrower of all obligations relating to the payment of interest for the use of a cash loan;
registration of life and health insurance and provision of relevant documents to the creditor;
registration of insurance of real estate purchased on credit, and the provision of relevant documents to the lender.

Table with the main conditions of this offer:

Mortgage loan under maternity capital

The state provides assistance to young families with children and develops social programs for them. So, recently, for the birth of children, they began to issue maternity capital, which can be spent on various purposes, including the purchase of housing. Rosselkhozbank has created a special type of mortgage, which accepts maternity capital as a down payment. Otherwise, the terms of lending for this type of mortgage remain standard.

Housing loan for young families

Above, a proposal from the Russian Agricultural Bank for families with children has already been presented. However, this bank has a program that is designed for young families with no children. In this case, the loan is issued to those families in which at least one of the spouses is under 35 years old.

Benefits of a loan for young families:

reduced amount of down payment - from 10 to 15% of the cost of housing (depending on the type of apartment being purchased);
there is the possibility of deferring the payment of the principal debt up to 3 years at the birth of a child.

Mortgage under two documents in Rosselkhozbank

Usually, when applying for a loan, a bank requires the borrower to present a large number of various documents confirming his ability to repay the debt. Because of this, it takes quite a long time to get money to buy an apartment. However, the Russian Agricultural Bank has a simplified mortgage lending program, in which you can get a loan with just two documents. These documents include a passport and any other identity document.

Main advantages:

no need to confirm the presence of work and a stable income;
complete absence of additional commissions;
there is a possibility to choose the method of debt repayment;
in case of early repayment, the borrower is not charged with fines and other sanctions.

The terms of the loan are:

military mortgage

For individuals who are participants in the accumulative mortgage system of housing for military personnel, the Russian Agricultural Bank has a special mortgage loan program. In this case, with the funds received, it will be possible to purchase:

finished apartment in the secondary market;
empty land;
land with a residential building.

Lending terms:

List of documents for registration of a mortgage in Rosselkhozbank

To successfully receive money to purchase an apartment or house, the borrower needs to collect an impressive package of documents (the exception is the program for issuing a mortgage on two documents). It is necessary to approach the collection of documentation as seriously as possible, since the probability of approval of the submitted application largely depends on this. The list of required documents includes:

application for a loan (you can download the form on the bank's website or fill it out at a branch);
the passport;
men under the age of 28 must present a military ID;
you must provide a certificate of marriage or divorce (if available);
if the borrower has children, then he must provide their birth certificates;
certificate 2-NDFL or a certificate issued in the form of a banking organization;
certificate of registration of ownership of real estate pledged.

In some cases, the creditor may require additional documents to be presented. The borrower will be informed about this when applying for a cash loan.

Lending terms

Conditions for issuing a mortgage loan at Rosselkhozbank may differ depending on the chosen lending program. When applying for a standard mortgage, the conditions will be as follows:

Borrower requirements:

the age of the borrower must be at least 21 years old and not more than 65 years old at the time of full repayment of the debt;
it is possible to issue a loan to a borrower under the age of 75, provided that upon reaching the age of 65, half of the debt will be paid, as well as if there is a co-borrower;
the borrower has Russian citizenship;
mandatory work experience at the current workplace of at least 6 months (3 months for holders of salary cards issued by the Russian Agricultural Bank) and at least one year (6 months for holders of salary cards) of the total work experience for the last 5 years;
having a residence permit on the territory of the Russian Federation.

Registration procedure

The process of obtaining a mortgage loan is not too complicated and does not take much time. The only difficulty of the presented procedure may be the collection of all necessary documents. The process of obtaining a mortgage in Rosselkhozbank consists of the following stages:

Collection of documents. The list of required documents is listed above. However, it is still recommended to clarify this information with the bank.
Submission of an application. After collecting all the documents, you must write an application for a mortgage and submit it for consideration. The review period takes no more than 5 working days.
Search for housing. If the application has been approved, then you can start looking for housing. Having chosen several suitable options, you need to contact an appraiser who works with Rosselkhozbank. The specialist will evaluate the housing and provide the results to the bank.
Registration of contracts. At this stage, it is necessary to prepare a real estate purchase and sale agreement, a loan agreement and a pledge insurance agreement.
Making a deal. The last stage at which the borrower needs to submit an application for registration of the transaction to Rosreestr. There, his rights to the acquired property will be registered, and an extract will be issued, a copy of which must be taken to the creditor.

As you can see from the article, Rosselkhozbank offers many mortgage lending programs for various categories of borrowers. And all of them have quite favorable conditions. In the event that a person is going to take a mortgage at the Russian Agricultural Bank, he should take a closer look at the programs presented in this article.

Mortgage interest rate at Rosselkhozbank in 2019 for today

Mortgage interest is the main tool for attracting customers. This explains the constant attempts of the bank to reduce its size.

For the current year, the management of Rosselkhozbank it was decided to determine the percentage component for each borrower individually.

More favorable rates are provided to bank customers, which:

They receive wages on the Rosselkhozbank card.
Have valid deposit agreements.
For the purchase of housing use maternity capital.

Pensioners can also apply for loyal lending conditions.

Average rate and volume of issued mortgage loans

The average interest rate on housing loans in 2019 varies from 13 to 15.6% per annum.

Depending on other conditions, the interest for using a mortgage loan can range from 7.5% to 15.6% per annum.

Special mortgage programs and interest

As part of the issuance of loans for the purchase of housing from the Russian Agricultural Bank several special programs for providing mortgage loans:

Target loans which provide for the mandatory availability of collateral. Such a mortgage is issued at 11.5% per annum.
Conclusion of a loan agreement on the basis of two documents. The borrower is required to pay 50%. as a down payment. Funds are issued at 12% per annum.
State program of borrowers. Such loans will cost applicants no more than 10.9%.
Mortgage for the purchase of apartments in houses under construction. A prerequisite for this program is that the developer must be one of the bank's partners. The interest rate can vary from 7 to 8% per year.

Mortgage calculator of Rosselkhozbank

A potential client, when making a decision to purchase a home on credit, should have an idea of the level of credit load.

Knowing the monthly payments, the borrower will be able to assess the real possibilities of obtaining such a loan and its further repayment.

This is what a mortgage calculator is for. To draw up a loan repayment schedule, you must enter the following data:

Amount of credit.
An initial fee.
The period for which the loan is to be taken.
Preferred repayment plan.

When concluding mortgage agreements, there may be additional payments. These amounts are also taken into account by the calculator when calculating monthly payments.

The main requirements of the Russian Agricultural Bank when applying for a mortgage

To get a mortgage at Rosselkhozbank, the potential client must meet the basic requirements:

Be a Russian citizen.
Age of borrower must be at least 21 years of age when signing the contract.
At the time of loan repayment the client must not be 65 years old.

A complete list of requirements posted on the official website of the bank

Particular attention is paid to seniority. The term of employment at the last place of work must be at least six months. Along with this, over the past five years, the borrower must have at least 12 months of total experience.

Other programs for obtaining a loan from the Russian Agricultural Bank

One of the most profitable offers is a targeted program for the purchase of housing with no down payment. Such conditions are possible only if the real estate owned by the applicant is provided on bail.

Money is issued for up to 30 years for standard mortgages amounts - from 100,000 to 20 million rubles.

It should be noted that individuals are given the opportunity to get a practically new apartment on very favorable terms.

At the same time, do not forget about the obligatory down payment, which provided under the conditions below.:

Along with this, it is worth remembering that the maximum amount of funds provided cannot exceed 70% of the value of the property provided as collateral.

The interest rate on such loans can reach 15% per year.

It will be helpful to look at:

Mortgage under maternity capital

Rosselkhozbank also has other loan programs, among which it is worth highlighting the issuance of funds for the purchase of housing under maternity capital for young families. It provides an opportunity to repay the down payment with public funds.

But it should be taken into account that such finances are issued within one to three months, which not every developer or seller can agree to.

But basically, the conditions for acquiring real estate are the same as all the others, and interest rates vary around 9% per annum.

Mortgage "Young family"

Rosselkhozbank operates a program of preferential mortgage lending "Young Family".

This loan can be used by families that meet the following criteria:

Neither spouse must be over 35 years of age.
A family consists of one parent not older than 35 and one or more children.

A prerequisite for issuing a loan under this program is making an initial contribution.

Loan rates under the Maternity Capital and Young Family programs:

Depending on the type of housing purchased, the contribution may be:

10% of the cost of housing in the secondary market.
20% of the appraised value of an apartment from a new building.

According to the terms of the mortgage for young families, in the event of the appearance of a child, the bank provides a deferral for paying the body of the loan for a period of up to three years.

military mortgage

If you are a military man, then a military mortgage for NIS participants from Rosselkhozbank will provide favorable interest rates.

According to its terms, you can take a mortgage at 10.75% per annum for up to 1.95 million rubles.

It is worth considering that mortgage lending involves an initial payment of at least 10% of the amount issued, and the term for repayment of credit funds can vary from 3 to 24 years. In such cases, the purchased property is the collateral.

Possible nuances when applying for a mortgage

To obtain a loan at a favorable interest rate, it is necessary to conduct an appraisal of real estate to obtain a mortgage. According to it, the cost and type of purchased housing is determined, because the size of the annual interest rate directly depends on this.

At the same time, the requested loan amount also has a significant impact on the conditions for granting a mortgage loan at Rosselkhozbank.

The documents provided by the client may also affect the decision of the bank, and To successfully obtain a mortgage, you will need such papers:

Birth certificates of children.
Copy of employment contract or book.
Documents reflecting the current financial condition of the client.
Marriage certificate.
Documents for the acquired housing or land.
Military ID and registration certificate.

Photo gallery with sample documents:

Along with this, it is worth remembering that in order to obtain a mortgage, it is necessary to make a pledge, the role of which can be played by the property of the borrower or guarantor.

An important role in issuing a loan is also played by the factor that the client's age should not exceed 65 years at the end of the mortgage debt repayment.

Favorable offers from partner developers of Rosselkhozbank

Among the targeted loan programs, you can find special conditions for providing money for housing from the Russian Agricultural Bank at an extremely favorable percentage - from 5.17%. To date, there are no analogues to such a mortgage on the credit market.

Such a loan is possible in the case of buying a home from partner developers. A complete list of such partners can be found on the official website of the Russian Agricultural Bank.

List of documents that reduce the interest rate

After the general decrease in the interest rate on mortgages, many borrowers became interested in the possibility of lowering the cost of mortgages issued at higher rates.

Rosselkhozbank provides such opportunities to all its clients, but for this you should calculate at what percentage you will have to draw up a new contract, because the transition may also take some time.

To do this, you must provide the Russian Agricultural Bank with documents such as:

Passport of a citizen of the Russian Federation.
Registration certificate and military ID.
Income statement.
Statement of an interest rate cut due to a change in market conditions.

Against the backdrop of lower interest rates on secondary housing, cases of changing lenders by paying off old debts with a new bank, which will open a new mortgage loan, have also become more frequent.

At the same time, it is worth remembering that Rosselkhozbank will require you to re-pass the procedure for confirming the client's solvency by collecting the necessary documents to determine new interest rates.

Summing up mortgage programs

Rosselkhozbank has reduced interest rates for both new customers and existing borrowers. This allows you to pay out funds according to mortgage lending at a lower interest rate without various "pitfalls", which is more beneficial for the borrower.

There are many programs that allow you to get mortgage funds on a house with land at better interest rates. So today, Rosselkhozbank provides an opportunity to get a mortgage for military personnel, pensioners, young families, along with this, almost everyone has the goal of reducing the interest rate.

Related videos:

Mortgage in Rosselkhozbank is one of the most profitable. for the purchase of housing is issued in cash for a period of 12 to 360 months, depending on the program.

Mortgage programs at Rosselkhozbank

We offer 7 main programs:

mortgage housing lending;
credit for the military;
receipt of the amount for two documents;
target view.

Interest rates depend on the type you choose. You can take out a mortgage at Rosselkhozbank for secondary housing and in a new building. There is an opportunity to take part in the Young Family program. There are also special offers from partner developers. Funds are also issued to pay off the current loan agreement in another bank.

Conditions for obtaining a mortgage in Rosselkhozbank

The loan amount can be from 100,000 rubles. You can get up to 60,000,000 rubles for a targeted mortgage. Terms vary from 12 months to 360. The maximum interest rate - 18% is offered to the military. The minimum is 6%. Rosselkhozbank mortgage in 2019 can be issued:

no down payment;
with the involvement of maternity capital;
with the provision of a minimum package of documents.

Requirements for borrowers are normal. It is necessary to provide not only documents for the subject drawing up the contract, but also for the apartment.

Mortgage loan of Rosselkhozbank can be found using a calculator. After choosing a suitable option, an application for a mortgage is submitted. The processing time can be up to weeks.

Welcome! Today we present the mortgage calculator of Rosselkhozbank. With it, you can make not only the calculation of the monthly payment, but you can build a payment schedule for early repayment, as well as find out the current conditions of the bank.

Banking services are rapidly gaining popularity; today, almost any resident of the country uses a variety of products of credit companies. In most cases, the choice falls on the largest banks in the country. One of them is Rosselkhozbank, created with the support of the Russian government.

The Russian Agricultural Bank is a joint stock company that was established in 2000. The main area of work is the development and support of agriculture in the Russian Federation. The entire block of voting shares is wholly owned by the Federal Agency for State Property Management.

The Bank has an extensive network of representative offices and offices throughout the Russian Federation, the total number of existing customers exceeds 3 million people. The company has a variety of programs in its arsenal, including loans, deposits, currency exchange and much more. For citizens who own personal subsidiary plots, as well as for farmers and gardeners, preferential lending programs are provided. Quickly and with a minimum commission, you can make a money transfer to another client. All types of payments are accepted. The bank has an extensive network of ATMs and self-service devices.

Interest and programs

The most common lending product is a mortgage. The Bank guarantees an individual approach to each borrower and selection of a personal solution. Depending on the needs of the client, the following types of programs have been developed:

Housing lending
Target mortgage of Rosselkhozbank
Young family program with maternity capital
military mortgage
Special offers from developers
Apartment on two documents.

The presented lending conditions allow you to quickly acquire not only real estate in new buildings, but also secondary housing, as well as a country house with land plots. Loan processing is carried out without commission, the terms for consideration of the application are not more than 5 working days. The size of the down payment is individual for each mortgage program, the minimum amount is from 15% of the value of the acquired property. Loan term up to 30 years.

The loan is provided in rubles. A positive decision to issue a loan is valid for 90 days, after which the client must provide the bank with all the necessary documentation for the property.

The maximum possible loan amount is no more than 20 million rubles, but no more than 90% of the cost of housing. Registration of insurance is not mandatory. If the borrower voluntarily renounces risk insurance, the interest rate may increase individually for each borrower.

Mortgage is not provided for pensioners, the loan is provided on general terms. Lending to military personnel is carried out under a special program, in order to receive which, the client must be a member of the Accumulative Mortgage System (NIS) for at least 3 years. A loan calculator will help you get a mortgage calculation from Rosselkhozbank for 2019. Which is available around the clock.

The property	PV,%	Bid,%	Note
New building	20	9,45
Resale	10/15	9,45	0.15 discount if a salary or state employee is another 0.2% if more than 3 million Young family 9 and 9.15%
Apartments	30	10,25	0.25 discount if over 3 million, another 0.25 discount if through partners
House with land/land	25	12	11.5 if a salary employee or state employee
military mortgage	10	10,75
According to two documents	40	9,95	a discount of 0.15 if a salary employee or a state employee is another 0.2% if more than 3 million rubles.

Calculator functionality

Before submitting an application to the bank, the client can independently calculate the mortgage online using a loan calculator.

Calculations obtained using the mortgage calculator should be considered approximate, because. each mortgage agreement is drawn up on an individual basis and the amount of the mortgage can be found out only when making bank payments. The service allows you to get an intermediate option, and evaluate your financial capabilities. The calculator will allow you to decide on the following questions:

How much can the bank lend?
The amount of the monthly loan payment.
total mortgage payment.
Possible loan term.
Options for changing payments and overpayments when making additional funds or maternity capital.

Our mortgage calculator is quite simple and easy to use, the service provides services for free, the calculation is made instantly. The future borrower needs to fill in the required fields and click the "Calculate" button.

Amount of credit

Payment type

Annuity Differentiated

Interest rate, %

Maternal capital

date of issue

Credit term

0 year 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years old 26 years old 27 years old 28 years old 29 years old 30 years old

0 months 1 month 2 months 3 months 4 months 5 months 6 months 7 months 8 months 9 months 10 months 11 months

Early repayments

Decrease term Decrease amount Monthly decrease in term Monthly decrease in amount

Add

Calculator terms

Amount - this field indicates the estimated amount of the loan that the client wants to issue at the bank.

Type of payments - the borrower has two types to choose from - differentiated (unequal) and annuity (equal monthly).

Interest rate - indicates the rate for each specific mortgage program.

Maternity capital - in the presence of a certificate, it is necessary to mark this item and indicate the amount to be debited.

Date of issue - the estimated date of receipt of the loan.

Loan term - you can choose not only a certain number of years, but also months.

The mortgage calculator of the Russian Agricultural Bank does not take into account the additional income of the borrower, therefore, if you plan to deposit additional amounts or it becomes possible to repay the loan earlier, you need to fill out the appropriate fields of the additional form. The Rosselkhozbank calculator with early repayment contains the following items:

Date.
Option to reduce debt - term or amount.
Estimated amount due.

About early repayment

After receiving a mortgage loan, the borrower can close it with early repayment, at any time convenient for him. To do this, you need to contact the bank branch with an application. Moreover, it is not necessary to pay the entire amount, in the application you can specify the amount of the next payment. After the funds are deposited in the account, the total debt will be recalculated and a new payment schedule will be drawn up. It should be noted that only a bank specialist can calculate the amount. Early repayment is carried out without accrual of fines and additional commission. The borrower must provide a mortgage agreement and an identity document.

If full early repayment of the loan is expected, the bank's client must deposit an amount equal to the total debt, taking into account interest only for the actual time of using the loan, to the account. The exact amount payable can be obtained at the bank branch, the calculations will be made on the day of application. It is worth considering this moment and placing the required amount exactly on time, otherwise, the loan will not be considered fully repaid. Partial early repayment allows you to reduce the amount of monthly payments or leave them the same and significantly reduce the total loan term. In any case, the borrower saves his money.

Modern credit programs allow bank customers with any income level to purchase their own housing. When drawing up an agreement, additional sources of income may be taken into account, as well as the involvement of co-borrowers and guarantors. If in this case, too, the funds are not enough to obtain a mortgage, you can increase the loan term, thus significantly reducing monthly payments.

You can directly on our website through a special service.

We are waiting for your questions in the comments. If the calculator helped you, then please rate the post and like it.

Interest rates on mortgages at Rosselkhozbank in 2019: see the updated conditions for obtaining a housing loan for secondary housing and new buildings. It also presents the features of registration of housing loans without a down payment and according to two documents, a young family and pensioners. The calculator will help calculate the payment.

Mortgage in Rosselkhozbank today is a profitable way to buy a home on credit secured by the acquired property. An important advantage of obtaining a mortgage at the Russian Agricultural Bank is that the client can choose a loan repayment scheme: annuity (equal payments) or differentiated. In addition, special lending conditions are provided for young families and when using maternity (family) capital.

With the help of a mortgage loan from the Russian Agricultural Bank, you can buy:

apartment and apartments in the primary and secondary markets;
a residential building with a land plot (including a townhouse);
land plot.

Even citizens leading private subsidiary plots (LPS) can take a mortgage from Rosselkhozbank. To confirm their income, it is enough for them to provide entries in the household book of the local government on the maintenance of household plots for at least 12 months before the date of application for a loan.

The interest rate on the mortgage of Rosselkhozbank is not the highest among the top 10 banks and the conditions for obtaining it are quite benign.

In this review, the correspondents of the site examined the features of various mortgage programs operating today in the RSHB. The bank's requirements for borrowers and the documents required to obtain a loan are also indicated.

Mortgage at Rosselkhozbank: rates and conditions in 2019

Rosselkhozbank recently raised rates on mortgage programs. But the percentage is still quite profitable. In addition, there are discounts for employees of budgetary organizations, as well as "reliable" and salary customers of the bank. Consider the interest rates and conditions of various mortgage programs of the Russian Agricultural Bank in 2019 in order to choose the most suitable ones.

Program "Mortgage lending"

With this mortgage loan from Rosselkhozbank, you can buy an apartment or apartments in the primary and secondary markets, a residential building with a land plot (including a townhouse) or one land plot for housing. The bank receives the purchased property as collateral.

Conditions

> Currency: Russian rubles;

> Maximum amount: 60 million rubles;

> Term: up to 30 years;

> Down payment:

at least 30% when purchasing apartments under a sale and purchase agreement or participation in shared construction;
at least 25% when buying a residential building with a land plot under a sale and purchase agreement;
at least 20% when acquiring an apartment (townhouse with a land plot), a residential building with a land plot under an agreement on participation in shared construction;
at least 15% when buying an apartment, townhouse with a land plot, a land plot under a sale and purchase agreement.

> Collateral: pledge of a real estate property acquired (built) at the expense of Rosselkhozbank's credit funds.

Interest rates

1. Acquisition of a real estate object under an agreement for participation in shared construction from key partners of the Russian Agricultural Bank

2. Acquisition of a property under a sale and purchase agreement from key partners of Rosselkhozbank

3. Acquisition of an apartment (including a townhouse with a land plot) or apartments on the secondary market

Salary and "reliable" clients	state employees	Other physical faces
up to 3 million rubles
10,00 — 11,65%	10,05 — 11,70%	10,10 — 11,75%
up to 3 million rubles for young families
9,95 — 11,60%	10,00 — 11,65%	10,05 — 11,70%
from 3 million rubles
9,90 — 11,55%	9,95 — 11,60%	10,00 — 11,65%
from 3 million rubles for young families
9,85 — 11,50%	9,90 — 11,55%	9,95 — 11,60%

4. Payment of the price of the contract for participation in shared construction (including under the contract for the assignment of the right to claim)

5. Acquisition of a residential building with a land plot / land plot:

Allowances

Calculate your monthly mortgage payment

Not satisfied? See what mortgage rates are offering today

Program "Target Mortgage"

This housing loan is issued for the purchase of an apartment in the secondary and primary markets, a finished or under construction residential building (townhouse) with land, as well as one plot for construction.

To participate in this program, you must already have some kind of real estate. It is her bank that takes it as collateral. But there is no down payment required. This program can be considered mortgage of Rosselkhozbank without down payment.

Conditions

> Currency: Russian rubles;

> Minimum amount: 100,000 rubles;

> Maximum amount: 20 million rubles, but not more than 70% of the market value of the property pledged;

> Term: up to 30 years;

> Down payment: none;

> Collateral: pledge (mortgage) of an apartment or house owned by a borrower, co-borrower, guarantor or a third party.

Interest rates

1. Acquisition of an apartment or townhouse with a land plot

2. Acquisition of a residential building with a land plot

Allowances:

1.00% in case of refusal to carry out life and health insurance during the entire term of the loan agreement.

Doesn't fit? See what mortgage rates are offering today

Program "Mortgage on two documents"

This mortgage loan can be issued for the purchase of an apartment or a house with a land plot by presenting only 2 documents: a Russian passport, as well as a driver's license or a foreign passport. Confirmation of income and employment in this case is not required.

This program can be called mortgage of Rosselkhozbank without certificates and guarantors". But the interest rate will be slightly higher than with the full package of documents.

Conditions

> Currency: Russian rubles

> Minimum amount: 100,000 rubles

> Maximum amount:

up to 8 million for Moscow, Moscow region, St. Petersburg, Leningrad region;
up to 4 million rubles for other regions of Russia.

> The maximum amount must not exceed:

60% of the cost of housing in an apartment building on the secondary market / housing on the primary market, the construction of which is financed by the Russian Agricultural Bank;
50% of the cost of a residential building with a land plot (including a townhouse).

> Term: up to 25 years

> Down payment:

- at least 40% of the cost of housing in an apartment building on the secondary market / housing on the primary market, the construction of which is financed by the Russian Agricultural Bank;
- at least 50% of the cost of a residential building with a land plot, (including a townhouse).

> Collateral: Pledge of the property acquired (built) at the expense of the loan funds of the Russian Agricultural Bank

Interest rates

1. Purchase of a secondary apartment (including a townhouse), as well as a property on the primary market, the construction of which is financed by Rosselkhozbank JSC, or from developers that are part of the PIK Group of Companies PJSC group of companies:

2. For a mortgage for the purchase of a residential building with a land plot:

Allowances:

1.00% in case of refusal to carry out life and health insurance during the entire term of the loan agreement.

See also the conditions of mortgage lending in

Program "Military mortgage"

The program of mortgage housing lending to individuals - participants of the NIS (Accumulative Mortgage System of Housing for Military Personnel).

Conditions

> Citizenship: Russian Federation;

> Age at the time of the loan: at least 22 years old;

> Age at the time of loan repayment: up to 45 years;

> Participation in NIS: at least 36 months.

> Currency: Russian rubles

> Maximum amount: RUB 2,485,825

> Down payment: from 10%;

> Term: from 3 to 24 years.

> Collateral: Pledge (mortgage) of the acquired property

Interest rate

from 9.5% per annum.

Not profitable? See what mortgage conditions it offers today

"Young family and maternity capital"

For young families and when using maternity capital, a mortgage in the Agricultural Bank is issued under special lending conditions.

A young family is considered to be a family in which the age of at least one of the spouses does not exceed 35 years, as well as an incomplete family consisting of one parent and a child / children, if the age of the parent does not exceed 35 years.

The amount of the initial contribution for a young family is:

— at least 10% of the value of the finished property;
- at least 20% when purchasing an apartment in the primary market (new building).

In addition, young families have the opportunity to take advantage of the deferral of payment of the principal debt at the birth of a child. The deferment is valid from the date of birth of the child until he reaches the age of 3 years.

Mortgage " With state support for families with children»

Today, Rosselkhozbank can issue a preferential mortgage loan for the purchase of housing in the primary market for families in which a second or third child is born from January 1, 2018 to December 31, 2022.

Conditions

Maximum amount: 8 million rubles for Moscow and the Moscow region, St. Petersburg and the Leningrad region / 3 million rubles for other regions of the Russian Federation.
Maximum term: 30 years.

Interest rate

Interest on state-supported mortgages for families with 2-3 children cannot be fixed for the entire loan term, as with other loan programs.

The preferential rate of 6% is valid only for 3 years at the birth of the 2nd child and 5 years at the birth of the 2nd. After the end of the grace period, the interest rate is set in the amount of the key rate of the Central Bank of the Russian Federation on the date of the loan, increased by 1.8 percentage points.

Registration of an application for a mortgage under the State Support Program in the Russian Agricultural Bank is carried out according to a standard package of documents. But besides this, you will have to provide confirmation that the second or third child was born in the family after January 1, 2018.

under maternity capital

When obtaining a mortgage at Rosselkhozbank, you can use maternity capital as a down payment. The amount of the down payment in this case is calculated according to the terms of the mortgage for a young family.

Maternity capital must be used to pay off mortgage debt within 3 months from the date of issuance of the loan.

for pensioners

Pensioners today can get a mortgage from Rosselkhozbank on a par with younger people. There are no discounts or benefits for them.

In particular, the Rosselkhozbank mortgage is issued to Russian citizens under the age of 65, provided that the loan is due before the borrower turns 65.

In addition, pensioners receiving a pension to an account opened with Rosselkhozbank JSC are not subject to the requirement to have a total work experience of at least 1 year over the past 5 years.

See the terms of the mortgage at DeltaCredit Bank (Rosbank).

Who are the "reliable" clients of Rosselkhozbank?

“Reliable” clients include clients with a positive credit history on an existing/repaid loan with Rosselkhozbank JSC, valid/valid for at least 12 calendar months prior to the date of application for a loan/until the date of its repayment, and a positive credit history in other banks.

Who are the payroll clients of Rosselkhozbank?

Payroll clients include employees of enterprises that are participants in the “salary project” of Rosselkhozbank JSC, individuals who receive wages to an account with Rosselkhozbank JSC.

Requirements for clients

Rosselkhozbank makes rather strict requirements for potential customers.

1. Citizenship. RF.

2. registration: On the territory of the Russian Federation at the place of residence or stay.

3. Age. From 21 to 65 years (at the time of full repayment of the loan). In special cases, you can pay a mortgage up to 75 years. This requires the following conditions to be met simultaneously:

the presence of a co-borrower;
before the borrower reaches the age of 65, at least half of the loan term must pass.

4. Work experience. The length of service requirements differ depending on the category of the borrower.

For individuals: at least 6 months at the current place of work and at least 1 year of total experience for the last 5 years;
For salaried and "reliable" clients: at least 3 months at the last place of work and at least 6 months. total continuous experience for the last 5 years;
For pensioners: clients receiving a pension to an account opened with Rosselkhozbank JSC are not subject to the requirement to have a total work experience of at least 1 year over the past 5 years.
For citizens running private household plots: availability of records in the household book of the local government about the maintenance by a citizen of private household plots for at least 12 months before the date of application for a loan.

Documents for a mortgage in Rosselkhozbank

To apply for a mortgage loan, you need to collect and submit to the RSHB a whole package of documents. Among them:

Passport of a citizen of the Russian Federation;
Military ID (for men under the age of 27);
Documents on marital status and the presence of children;
Documents confirming the financial condition and employment;
Documents on the credited real estate object.

The list of required documents may be changed at the discretion of the RSHB.

What income will be taken into account when determining the loan amount?

Rosselkhozbank accepts both one and several types of income:

at the main place of work;
received at another place of work (part-time job);
from entrepreneurial activity (except for a loan for a period of more than 36 months);
pension payments;
from conducting personal subsidiary plots (LPH);
income from other sources permitted by law, documented:
income from real estate lease agreements (documented);
remuneration from the use of intellectual property;
under civil law contracts.