Mortgage in Rosselkhozbank: the service is available to all

Mortgage loan programs can be describeda very long time. This type of loans for banks will always be very attractive, as it is issued for a long time and requires good security. Unlike a consumer loan, it is always accompanied by a collateral object in the form of real estate acquired or already available to the client. Mortgage in "Rosselkhozbank" has some differences from similar programs in other financial organizations of the Russian Federation.

Required documents

Mortgage in "Rosselkhozbank" can be obtained by fulfilling certain minimum requirements:

1. The client is at least 18 years old, which is much lower than in other credit institutions, where they may require them to be 21 or 23 years old.
2. A valid passport of a citizen of the Russian Federation with a residence permit in close proximity to one of the bank branches.
3. Certificate of income. Remarkable is that it does not affect the interest rate on the credit program.
4. Documents for the purchased property.

The fact that a mortgage inRosselkhozbank can be obtained without presenting a second document, proof of seniority or current employment. The bank may require their presence, it does so only in extreme cases. One of the limitations of this type of loans is that the guarantor can only be a direct relative of the borrower.

"Agricultural Bank": mortgage - terms of receipt

This type of credit program is usually issuedon the security of the acquired property. In addition, it is mandatory to insure against the risk of damage, loss or destruction. In case the client refuses to conclude an agreement on risk compensation, the interest rate can be raised at 5-10% per annum of the standard mortgage loan option. In addition, the borrower is obliged to hire a special banking specialist to assess the property being acquired.

Mortgage in "Rosselkhozbank" issued by the only basic program. It can be taken to purchase the following types of real estate:

• residential building with a plot of land;
• share in a house under construction;
• plot of land;
• for contract work related to construction, including in the event of the completion of an unfinished house;
• apartment purchase.

Максимальный срок обслуживания кредитной programs can be 25 years old. With a minimum contribution of 15% of the value of the acquired property, the service “Rosselkhozbank-Mortgage” is issued. A young family can count on subsidies from the government to receive a subsidy to pay the first payment. In addition, as part of this assistance, the interest on the loan is assigned the lowest - 12.5%. The maximum amount that a borrower can count on is 10 million rubles, which allows you to purchase almost any apartment or house you like. The bank adheres to open and honest relations with its customers, therefore there are no additional payments for receiving money, drawing up a contract or considering an application.