Housing is one of the basic needs of each.from U.S. Unfortunately, in our time, their own square meters are not cheap. But since it is difficult to exist without an apartment or house, people solve this problem by drawing up a target loan. And before that, they carefully study the proposals that are in the financial market. And many people are very interested in mortgages without a down payment at Rosselkhozbank.
general information
To begin with, I would like to say that thisfinancial institution can be trusted. Since it is in sixth place in the rating of reliability among 600 banks in Russia. The amount of assets of the "Rosselkhozbank" exceeds the amount of 2.76 trillion rubles. And the fact that people trust him with their money inspires confidence.
What can you tell about such a service asmortgage without a down payment in "Rosselkhozbank"? So first, it exists. And secondly, it is not issued to everyone. In general practice, there are only three cases in which this is possible.
First: the initial fee is not needed, but the conditions for the issuance of the mortgage will be stricter. And it will appear either in a shorter payment period, or in an overestimated percentage.
The second case: the amount that was taken on the security of real estate, which the borrower already owns, is accepted as a contribution. Credit for its payment and the purchase of new housing are issued immediately, together.
And the third case:The maternity capital received by the borrower at the birth of the child is used as a contribution. Here it is just practiced in the "Agricultural Bank". By the way, young families (both with and without a child) are provided with preferential conditions, which imply a lower bar for the first installment. However, you can tell more about this.
Available property
Mortgage with no down payment"Agricultural Bank" is issued for the purchase of objects of certain categories. People using maternity capital can buy an apartment either in the primary or in the secondary market. It is possible to buy a house in a house under construction (this, by the way, is the most profitable solution).
Также им доступны дома с землёй и таунхаусы.More money can be given for the independent construction of a private house. And also for the purchase of a land plot on which a dwelling will be built. In addition, mortgages are issued for the purchase of an unfinished house along with the land, if people plan to complete the construction. To purchase a plot to get a target loan is also possible.
Main condition
In order for a mortgage with no down payment at Rosselkhozbank to be approved, a potential borrower must meet certain requirements. The most important thing is worth noting separate attention.
The borrower must have the full right to dispose.the notorious maternal capital. And if the amount that he has, covers the size of the stated initial payment, which is determined by the terms of the preferential program, then the mortgage will be approved. The same will be the decision in the event that the amount of funds exceeds it. This means that the down payment for a potential borrower will be 0%.
Another owner of the property, which will be transferred toa pledge must be an adult person. And within three months after the loan is issued, he must apply to the Pension Fund of the Russian Federation to transfer the parent capital to the bank. This is necessary for partial repayment of the mortgage - these are the conditions. Moreover, in addition to the standard package of documents, when you make a loan, you will need to provide a certificate in the MSC and a certificate from the pension fund, which says exactly what amount is kept in the parent's account.
Documentation
But now you can list the papers that need to be collected and presented to the person who decided to take a mortgage in the "Agricultural Bank". The list is as follows:
1. Application form on a bank form of the established sample.
2. Passport of a citizen of the Russian Federation. The document replacing it will also work (for example, the certificate of the military man who is serving).
3. Military ID - compulsory for men under the age of 27 years. The alternative is registration certificate.
4. A document certifying marital status and the presence of children, if any.
5. Paper confirming the employment of a potential borrower and its financial condition.
6. All documents on the property, the acquisition of which is planned.
The list of papers can be wider - if you need something else, the client will be notified of this individually.
Basic requirements
Many people have issued this type of loan asmortgage, in the "Agricultural Bank". They leave quite good reviews - they assure that the conditions are favorable and understandable, which is important. The organization is good for bona fide clients with a good credit history. This, by the way, is one of the requirements for potential borrowers. There are a few more:
1. Age - at least 21 years. The loan must be repaid to 65 years.
2. Citizenship - Russian. As well as registration.
3Experience - from six months at the last place of employment. And at least a year for all professional activities in general. For the clients of Rosselkhozbank there is a discount - they are allowed to have experience in 3 months at the last place of work.
Elderly people who have left for a legitimate rest andRosselkhozbank offers special conditions to those who receive payments from the Pension Fund of the Russian Federation to the account opened with this organization. Mortgage to pensioners is provided on benign conditions - for them the presence of annual work experience over the past five years is not necessary.
Young families
As you can see, Rosselkhozbank offers quite understandable conditions. Mortgage with state support is popular, especially among young families. And for them there is a separate information.
A young family is considered a union in which ageone of the spouses (ideally, both) does not exceed 35 years. Also in this category are potential borrowers without an official partner, but with a child. However, the mother / single father should also not be more than 35 years old.
Privileges
Now about the fee. Parent 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 a couple has a child during the period of the loan, 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.Every person wants to know how much he will have to pay as a debt. And people are interested in this first of all, referring to Rosselkhozbank. "Mortgage Calculator" is a great assistant if you need to calculate everything.
Suppose a spouse’s total income is 60000 rubles per month. In this case, they can be approved a loan of up to 2,617,500 p. 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 stated amount was paid in three months by the parent capital. In this case, they will have to give 29,745 rubles a month to repay the debt. As a maximum, their payment can be 43 313 p. The bank cannot accept a larger amount, even if customers have an additional source of income and they can afford to repay the debt in large amounts. To change the conditions will have to apply directly to the "Agricultural Bank".
"Mortgage Calculator" is a service good becauseit shows the 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 in debt and 1,569,400 (hardly less than the amount borrowed) as interest.
Information for civil servants
These are not all interesting suggestions thathas "Agricultural Bank". Military mortgage is another topic worth noting. Very interesting mechanism for acquiring housing. It is available to servicemen participating in the savings and mortgage housing system.
So, this is how it works:the military opens a savings account to which the state transfers a certain amount each month. For 2016, it was 245,880 rubles per year. Three years later, after participating in the NIS, the military can draw up a report on obtaining a certificate that will give him the right to receive a targeted housing loan. When he is in his hands - it's time to pick up a property that meets certain requirements. They are established by the Russian Ministry of Defense, the bank itself and the insurance company.
Further actions
After the military determines the housing for himself,which he would like to buy, you can go to enter into a mortgage agreement. Rosselkhozbank opens a separate account to which all funds accumulated under the NIS are transferred. They will pay the down payment.
Borrower requirements are as follows:
1. Citizenship - 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.
Максимальная сумма, которую может получить military as a loan - 2 050 000 rubles for the purchase of an apartment. If you need to purchase a plot with a house - the amount will be 1,850,000 r. The rate will be equal to 10.5 and 11.5% per annum, respectively. So, as you can see, buying an apartment is more profitable in all respects. By the way, the accumulated funds in the framework of the NIS should be enough for at least a 10 percent contribution.
How is the repayment? The mechanism is simple.Redeems 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 cumulative contribution.
What else is worth knowing?
Attention should be noted, and other nuancesconcerning registration of a loan in an organization such as “Rosselkhozbank”. Mortgage, interest rate, terms - this is all really important. But it is much more interesting in our time to know about what needs to be done for early approval of the loan and how to save money. And here are the tips:
one.It is worth bringing as much as possible documents testifying to financial solvency. The more papers confirming various sources of income, the better. Many people who rent out existing housing even bring contracts confirming the veracity of this fact.
2. You need to take a mortgage for the minimum possible period. Overpayments will be less.
3. It is advisable to attract a co-borrower. Or even two.
4. The initial payment should be the maximum - for the debt to become less.
5. To get a better interest rate offer, you should become a bank customer in advance.
Но самое главное – необходимо предварительно familiarize yourself with all the points specified in the conditions and contract. And only after that decide to arrange a loan. Foresight in financial matters is not superfluous.
