Buy your own housing will help the targetcredit. Times in which you could get an apartment from the state without any problems, have passed, and now everyone has to solve the housing issue on his own. However, not everyone has the necessary means to buy real estate. The realities of life are such that only a mortgage loan for housing can help.
Sberbank's programs
According to many people, the most profitableon the mortgage loan are Sberbank offers. Let's see why. The target loan in Sberbank has become quite affordable for the townsfolk, because in 2013 this financial institution can offer its clients three basic and four special programs on which lending takes place.
From the special offers of the bank, it is necessary to note the possibility of obtaining a mortgage for maternity capital, as well as the right to refinance a targeted loan for housing.
VTB 24 offers and conditions
Also a profitable target loan for the acquisitionhousing is issued by the bank VTB 24. This bank today - the leader in terms of housing loans in Russia. Its conditions have distinctive features. For example, a loan can be issued for up to 50 years, while in other banks this period is not more than 30. The minimum period for which a mortgage is granted is 5 years.
You should know that when you receive a loan in VTB 24it is required to pay an initial installment, which can be from 10 to 30% of the total amount, depending on the property for which it is purchased. When buying a garage, the first installment will be 30% of its value, and when buying a home on the secondary market - no more than 10%, provided that the borrower's liability is insured.
Also, a targeted loan can be tried at Rosselkhozbank, which offers quite acceptable conditions for lending to its borrowers.
Most banks on their official websites offer to calculate the cost of the loan online.