Apply for a mortgage loan online. Apply for a mortgage to all major banks simultaneously and online. At what percentage can you get a mortgage for an apartment at Rosselkhozbank

For many Russians, improving their living conditions is a difficult goal to achieve, and acquiring new “mansions” generally remains only a dream. Some people save money, thinking that in the future they will be able to collect the necessary amount to buy an apartment or house, but their purchasing power only decreases due to inflation and expenses. However, in this situation, mortgage lending will be the solution. For such a decision to be profitable, you should know where it is better and how to get a mortgage, compare offers from Russian banks, and choose the best.

What you need to know before getting a mortgage

Now is a favorable time to apply for a mortgage. The most affordable rates today. If earlier lenders took 12-13% per annum, now there is a record low level, the cost of a mortgage loan has fallen to 9.50% per annum. But this is not the limit. It is assumed that banks issuing mortgages will begin to serve mortgage borrowers at 8% per annum.

Such conditions can await us by the end of 2018, and in 2019, it is likely that the interest rate will decrease to 7%. Against this background, 50-80% of transactions in the residential real estate market are concluded through mortgage lending, more than 4 million people repay housing loans. Not only new borrowers benefit, but also existing ones, since financial institutions give them the opportunity to refinance existing loans.

This allows individuals to save significantly (15-20% of the monthly payment amount). By the way, the share of mortgage refinancing will also grow. By providing this product, banks will not bear risks; on the contrary, they will benefit from its distribution. Mortgage refinancing will lead to a reduction in payments, and, consequently, the credit burden on the family budget. If payment is made using the annuity system, the savings will be about 20%.

This means that it will become easier for the client to repay the debt, which means that he will most likely cope with his debt obligations. But some citizens have a question: “If everything is so good, and in the foreseeable future the rates will become even lower, maybe it’s better to get a mortgage later?” It is more advisable not to delay the purchase of housing, especially when it is urgently needed.

In your search for a suitable offer, you may miss a good option. In addition, people who managed to get a mortgage, as practice shows, pay it off ahead of schedule. This means that many borrowers are able to cope with debt obligations faster and reduce the final overpayment by several times.

How to apply for a mortgage loan correctly

There are a number of other aspects in which a person intending to take out a mortgage needs to be aware, for example, the optimal loan parameters. Let us note right away that there are none, because... everything is individual in each specific case. But a few general tips will be useful for you:

• If you have already decided where to get a mortgage, and all that remains is to choose the most optimal loan program, pay attention to the size of the down payment. There is a connection between him and the bet. Typically, banks, with an increased down payment, reduce the cost of using borrowed funds. It is recommended to save at least 20% to contribute towards the purchase of a house or apartment. This will increase your chances of approval. The more a person contributes at the first stage, the shorter the loan term and its cost will be. Of course, the ideal ratio of both credit funds and personal savings is considered to be 50 to 50. You should not take out a consumer loan for these purposes. Such actions will increase your debt burden, the likelihood of delinquencies, etc. It’s stupid to look for, to say the least, there are practically none of these left on the mortgage market. Even if they are presented in a single character, there is no benefit from them. Firstly, there is a high interest rate on the loan. Secondly, - mandatory selection of an object from a limited list of bank partner developers;
• Evaluate your financial capabilities wisely. For borrowers living on a small salary, loan payments should not exceed 40% of the family budget. Individuals with average income are allowed to allocate up to 50% for a mortgage. If your salary is high, you can burden yourself with a credit load of up to 60% or more.

What legal norms govern mortgage issues?

The size of the monthly payment is also important for the future owner of the living space. Again, the lender himself will give you this information. This payment is calculated depending on your income level, and cannot exceed 40-50% of your salary (after taxes). Repayment can take various forms:

• constant payments at a fixed cost of using credit funds;
• at a fixed interest rate and increasing payments;
• through a variable rate.

Procedure to apply for a mortgage

You can choose a suitable loan program with the help of a mortgage broker. The services are paid, but this will make the whole process much easier for you. The specialist looks for banks where you can apply for a mortgage, selects the best loan terms, and provides assistance in preparing documentation. If the borrower is not ready for such expenses, he will have to do everything himself.

The editors of the site “Take Credit!” I analyzed several dozen offers from popular Russian banks and prepared a selection for you. But first, we will describe the scheme of actions required to purchase housing using loan funds. The step-by-step instructions are as follows:

1. Choose which bank you will take out a loan from. There are over fifty mortgage lenders in Russia. A large proportion of Russians prefer to take out a mortgage at Sberbank. They also use the services of: VTB, Rosselkhozbank, DeltaCredit, URALSIB, etc.
2. Review loan programs carefully. The same Sberbank offers its clients:
   • mortgage for secondary housing;
   • loan to improve housing conditions;
   • acquisition of a property under construction on the primary market;
   • a program designed for young families;
   • military mortgage loan;
   • purchase of land, etc.
3. At this stage, documentation is prepared. Each bank has its own requirements regarding documents, but the standard list includes: passport, application, employment, certificates of collateral (house register, property registration certificate, appraiser’s report, etc.), 2-NDFL.
4. The lender renders a verdict within a few days or weeks based on scoring. If the answer is yes, the bank will tell you how much you can expect. After this, the borrower will have 1-6 months. for the final decision and signing of documents.
5. A purchase and sale agreement is concluded with the seller.
6. An initial payment is required.
7. Insurance is being taken out. You may be asked to take out insurance: personal (life, health), title (against loss of property rights), property (damage to a house/apartment).
8. All that remains is to sign the mortgage and pledge agreement and register the purchase and sale transaction. The money arrives in the seller's account within a few days.

How to get a mortgage at Tinkoff Bank

Credit program	Sum	Term	Bid	An initial fee
Mortgage with a reduced rate	up to 99,000,000 rubles	up to 25 years	from 6% per annum	from 10%
Mortgage with capital	up to 99,000,000 rubles	up to 25 years	from 6% per annum	from 10%
Mortgage with state support	up to 3,000,000-8,000,000 rubles	up to 25 years	from 6% per annum	from 20%
Loan secured by real estate	up to 99,000,000 rubles	up to 20 years	from 9.90% per annum	-

* Tinkoff Bank does not currently specialize in mortgages

Product Description

Tinkoff Bank is an intermediary in issuing housing loans, i.e. broker. He has partnerships with other lenders where he sends your online application for review within 2-4 days. Tinkoff helps you get a mortgage at a low rate and choose a bank with the best programs.

Each client has a personal manager who provides support in: collecting documents, organizing a transaction, searching for real estate on the primary market and a suitable insurance company. If necessary, he can recommend a good realtor. By the way, to apply for a mortgage, you do not need to collect documentation for each bank. Tinkoff itself will transfer 1 package to all partners.

And he cooperates with such commercial organizations as:

• DeltaCredit Bank;
• Orient Express Bank;
• Absolut Bank;
• Dom.RF;
• Gazprombank;
• AK BARS Bank;
• UniCredit Bank, etc.

If your request is successful, 1 visit to the bank will be enough to sign the agreement. To apply, you will need to upload your passport and income certificate online. If the borrower wants to become an individual entrepreneur, the list of his documents is longer: passport, OGRN, INN, tax payment certificates and declaration. The most acceptable conditions are set for apartments and apartments.

Those Russians who confirm their income initially contribute 20%. To further reduce the rate, it is recommended to take out health and life insurance for the borrower. Also profitable will be: buying an apartment from developers under promotional offers, mortgages under a preferential government program. For existing debtors, refinancing a mortgage loan (from 8% per annum) is suitable.

If you pay off part of your mortgage early, your monthly payment will decrease. You can find out the approximate rate by indicating the value of the property, the amount of the down payment and the amount you are willing to pay the bank every month.

How to apply for a mortgage at UBRD

Credit program	Sum	Term	Bid	An initial fee
Mortgage for finished housing	up to 30,000,000 rubles	up to 25 years	from 9.30% per annum	from 20%
Mortgage in a new building	up to 30,000,000 rubles	up to 25 years	from 9.30% per annum	from 20%
Loan secured by real estate	up to 15,000,000 rubles	up to 15 years	from 12% per annum	-
Mortgage with capital	up to 30,000,000 rubles	up to 25 years	from 9.30% per annum	from 10%

Product Description

The Ural Bank for Reconstruction and Development cannot offer as many mortgage programs as competing financial institutions. However, it has the most necessary options, as well as acceptable lending terms. The initial mortgage rate for a new building and for finished housing is set at 9.30% per annum if you register ownership of real estate from UBRD partner developers.

In both cases, the security is the pledge of the purchased object. The amount issued by the lender can be from 300 thousand to 30 million rubles. The borrower receives a loan for 5-25 years. Clients interested in purchasing housing in the primary and secondary markets can apply for a mortgage at a promotional rate. There are 3 of them, but only one is selected for the loan.

Each allows you to get a discount on the interest rate. If you take out a mortgage against capital, the fee will be at least 9.30% per year, and the deposit will be from 10%. For those wishing to obtain a loan for any purpose secured by existing real estate, its cost will be 12% per annum or more. The maximum loan amount will not exceed 15 million rubles. For its obligations, the borrower will have to pay the bank in full in 5, 10 or 15 years.

Requirements for a borrower intending to apply for a mortgage at UBRD

Persons who are 23 years old but not older than 70 at the time of debt repayment can count on cooperation with the lender. Only Russian citizens with a permanent place of work, 3 months of work experience (current work activity) and a total of 12 months are offered to apply for a mortgage. For pensioners, proof of solvency is an old-age/long-service pension. The monthly earnings of the future borrower cannot be less than 12 thousand rubles, and the co-borrower - 10 thousand rubles.

It is important not to have any current arrears or more than 2 loans if you do not want to be rejected. The application process is as follows: you consult with a mortgage specialist and submit an application on the UBRD website, after which you send the necessary documents by email to the bank or bring them in person to the branch. Next, you will receive a call from the manager, who may ask clarifying questions during the review of the application.

If you submit a complete list of documentation, you will receive a response the day after you try to apply for a mortgage. The verdict will also be communicated by telephone. You will be told about further actions. The client is given 3 months to select housing. He will not choose the object himself, but with the help of a personal manager. You set the date of the transaction, and for this you go to the bank’s office. After signing the loan documentation and insurance contract, the loan will be issued.

How likely is it to get a mortgage from the Housing Finance Bank?

Credit program	Sum	Term	Bid	An initial fee
Mortgage under 2 documents (secondary)	up to 20,000,000 rubles	up to 30 years	from 9.20% per annum	from 20%
New building with 2 documents	up to 20,000,000 rubles	up to 30 years	from 20% per annum	from 4.90%
Loan secured by an apartment/apartment	up to 20,000,000 rubles	up to 20 years	from 10.30% per annum	-

Product Description

There are 3 products in the ZhilFinance Bank line. The most popular is a mortgage based on 2 documents, since it is accessible to a wide segment of the population, firstly, because the registration process is quite quick and simple. The second reason for the increase in demand is the low rate. If you are officially employed, confirm your income, it will be 9.20%.

The down payment for a mortgage is considered to be 20% of the value of the property. It is given for 1-30 years in the amount of 480 thousand to 20 million rubles. The loan is taken on the basis of copies of the passport and a second document (SNILS, driver’s license, etc.). About 82% receive same-day approval for their online application. BZHF provides mortgages to persons with any credit history. The borrower is a Russian citizen aged 18-65 years.

In addition to the mortgage under 2 documents, the lender gives:

• “New building” according to 2 documents. You need to lead from 20%. APR starts at 4.90%. They lend from 480 thousand to 20 million rubles. The property must be purchased from accredited developers;
• loan secured by real estate (flat/apartment) - no more than 20 million rubles. (up to 70% of the cost of the property) at 10.30% and higher for 1-20 years. The collateral is an existing apartment or apartments in one of the cities: Moscow, St. Petersburg, Moscow Region, Leningrad Region, Krasnodar, Omsk, Novosibirsk, Krasnoyarsk, Nizhny Novgorod, Novorossiysk, Saratov, Kazan, Ekaterinburg, Volgograd. The living space must be located in a multi-story building, be in good condition, and not encumbered. Submitted: passport, real estate documentation.

Who can apply for a mortgage for the purchase of real estate at Promsvyazbank

Credit program	Sum	Term	Bid	An initial fee
New building	up to 30,000,000 rubles	up to 25 years	from 8.70% per annum	from 10%
Mortgage without down payment	up to 30,000,000 rubles	up to 25 years	from 11.10% per annum	0%
"Alternative"	up to 10,000,000 rubles	up to 15 years	from 12.70% per annum
Targeted collateral loan	up to 30,000,000 rubles	up to 25 years	from 8.85% per annum	-
“It’s easy to get a mortgage!”	decided on an individual basis	depending on the object	from 11% per annum	from 40%
country estate	up to 15,000,000 rubles	up to 25 years	from 10.40% per annum	-
Secondary market	up to 30,000,000 rubles	up to 25 years	from 8.85% per annum	from 10%

Product Description

Promsvyazbank has more than 7 offers that take into account the needs and needs of the client, including “Maternity capital”, a mortgage for the purchase of finished housing, in a new building. Refinancing is also provided. The maximum loan term is 25 years. The largest amount you can borrow from a lender is RUB 30 million.

The fee for using a loan depends on its type, so the range of rates is as follows: 8.70-12.70% per year or more. However, you need to be careful when studying Promsvyazbank’s loan programs, since low interest rates are charged to salary clients. Also, the amount of the fee for using credit funds depends on which bank partners you will buy an apartment from.

Such conditions apply to insurance and a down payment of at least 20% of the cost of the property. You can get a mortgage without any commission. Early repayment is allowed. For those people who do not want to limit themselves to the options offered by the bank’s partners, they can take out a targeted collateral loan and buy any apartment or private house with a plot of land both on the primary and secondary markets.

Promsvyazbank also has a program that provides for the quick conclusion of a transaction with a minimum package of documents (without a certificate of employment and income) with the ability to record earnings from a personal business. For individuals intending to obtain a Secondary Market mortgage, the lender provides legal assistance, assists in organizing a purchase and sale transaction, etc.

Property and client insurance is carried out in the amount of 1% of the loan amount. Insurance is paid on the day you decide to take out a mortgage. It will need to be renewed annually. The requirements for the borrower are:

• Russian citizenship and permanent registration in the area where the banking unit is located;
• age 21-65 years;
• permanent income, work experience of at least 1 year (in some cases from 2 years);
• 2 valid phone numbers (one is work, the other is mobile);
• documents - application form, passport, SNILS, certificate of marital status, document indicating work activity and solvency.

How to get a mortgage at Sberbank

Credit program	Sum	Term	Bid	An initial fee
New building	up to 30,000,000 rubles	up to 30 years	from 7.30% per annum	from 10%
Ready housing	up to 30,000,000 rubles	up to 30 years	from 8.80% per annum	from 10%
Mortgage for families with children (state support)	up to 12,000,000 rubles	up to 30 years	from 5% per annum	from 20%
Home construction	up to 30,000,000 rubles	up to 30 years	from 10% per annum	from 25%
Non-target	up to 10,000,000 rubles	up to 20 years	from 11.60% per annum	-
country estate	up to 30,000,000 rubles	up to 30 years	9.50% per annum	from 25%
Military mortgage	up to 2,502,000 rubles	up to 20 years	9.20% per annum	from 16.60%

Product Description

At Sberbank, mortgage lending is provided to individuals and legal entities with Russian citizenship, whose age at the time of application exceeds 21 years, and at the time of repayment - no more than 75 years. The borrower must have a total work experience of 5 years, and at least six months at the last place of work. But if you are a salary client, this condition will not apply. When the amount approved by the bank is not enough, it is allowed to attract co-borrowers (from 1 to 3 people, for a young family this number can reach 6 people).

Their income is also taken into account. To apply for a mortgage, you must present the following documents: application form, passport + one of your choice. You will also need certificates confirming your income and work. If the loan is taken out with collateral, you will additionally have to provide documents on the collateral. A mortgage at Sberbank is given in the place where the borrower or co-borrower is registered, or in the region in which the property being financed is located.

The largest loan amount is 30 million rubles. The loan term can range from 20 to 30 years. The down payment varies from 10-25% or more. The rates are different. Mortgages for young families in Moscow are issued on preferential terms - from 5% per year. If you want to take out a mortgage to purchase a new apartment, you should pay at least 7.30% every year.

If the borrower needs to get a loan to build a summer house or house, the deposit will be 25% or more, interest will be from 9.50% per annum, and the minimum amount of loan funds will be 300 thousand rubles. Sberbank allows the client to independently choose the payment date and change it once a year. You can get a mortgage if:

• fill out an application and provide a package of documents;
• wait for an answer. The application is reviewed within 2-5 days. If the verdict is favorable, the bank will request documents on the property;
• sign all loan documentation;
• undergo state registration.

At what percentage can you get a mortgage for an apartment at Rosselkhozbank

Credit program	Sum	Term	Bid	An initial fee
Mortgage housing lending	up to 60,000,000 rubles	up to 30 years	from 9.75% per annum	from 15%
State support for families with children	6,000,000-12,000,000 rubles	up to 30 years	from 4.70% per annum	from 20%
Special offers	up to 20,000,000 rubles	up to 10 years	from 4.50% per annum	from 15%
Military mortgage	up to 2,700,000 rubles	up to 24 years old	from 9% per annum	from 10%
Target mortgage	up to 20,000,000 rubles	up to 30 years	from 10.10% per annum	-
Young family + maternity capital	up to 60,000,000 rubles	up to 30 years	from 9.75% per annum	from 15%
Mortgage loan based on 2 documents	4,000,000-8,000,000 rubles	up to 25 years	from 10.90% per annum	from 40-50%

Product Description

RSHB gives you the opportunity to buy: an apartment, a dacha, a private house, apartments in the city, and purchase land for housing construction. Each category of client (salary, “reliable”, employee of a budgetary enterprise) has its own lending conditions.

If the goal is to purchase an apartment (primary market), and the loan amount does not exceed 3 million rubles, depending on the status, the borrower will have to pay 9.75-10% per year. When it is necessary to obtain a mortgage for the purchase of housing (secondary market) over 3 million rubles, the cost will be the same. But in other cases, the interest rates are different; the bank has a whole tariff schedule. This information must be verified on the lender's website.

Mortgages with state support for families with children are provided at 4.70% per annum or more for the purchase of an apartment from a developer or for a property under construction. A couple who had/will have a second or third child from January 2018 to December 2022 can apply for a loan. Like previous lenders, Rosselkhozbank issues loans for a maximum of 30 years.

When buying housing in a multi-storey building under a purchase and sale/shared construction agreement, the borrower will be forced to pay 15%. The same applies to the purchase of a townhouse or land. If a bank client needs to take out a mortgage for a private house with a plot, the down payment will be at least 25%, and the purchase of apartments requires the payment of a 30% deposit. Property insurance is mandatory.

The borrower is a Russian citizen over the age of 21. The upper age limit is 75 years, provided that the elderly person attracts a co-borrower no older than 65. Registration must be on the territory of the Russian Federation at the place of residence/stay. If the client does not run a private household plot, his work experience cannot be less than six months (from the last place of work) and 12 months (total). The list of documents is standard.

Is it possible to get a mortgage for housing under construction at URALSIB?

Credit program	Sum	Term	Bid	Initial payment
Ready housing	up to 50,000,000 rubles	up to 30 years	from 9.70% per annum	from 15%
Purchasing a property during the construction phase	up to 50,000,000 rubles	up to 30 years	from 9.20% per annum	from 10%
Family mortgage	up to 12,000,000 rubles	up to 30 years	from 5% per annum	from 20%
Mortgage holidays	up to 50,000,000 rubles	up to 30 years	from 10.50% per annum	from 20%
Loan secured by existing real estate	up to 50,000,000 rubles	up to 30 years	from 11.25% per annum	-
Military mortgage	up to 2,963,000 rubles	up to 20 years	from 10.25% per annum	-
Loan secured by an apartment for any needs	up to 6,000,000 rubles	up to 15 years	from 11.25% per annum	-

Product Description

To become the owner of an individual residential building or apartment, you can contact URALSIB. This bank presents to our attention no less than 7 mortgage programs, including refinancing. Of course, clients of URALSIB partners have more attractive conditions. For housing under construction, he set a rate of 9.20% per year. Taking out a loan for a property that is just under construction is as easy as getting a mortgage for an apartment.

First, you select the required object and decide on the loan terms that will suit you. Then you submit an application, the response to which arrives on average within 3 days. Next, you should conclude an agreement with the bank and, ultimately, receive a certificate of ownership. The borrower is credited for 3-30 years. You can get a mortgage for an amount from 300 thousand to 50 million rubles, the final amount is determined based on the client’s income level.

The minimum initial payment is from 10%. The most expensive is a loan issued for any purpose secured by an apartment. For it you have to pay from 11.25% per annum. The family is invited to apply for a mortgage under a special program, which is valid if the spouses have 3 minor children. Then the deposit will be 20% of the property price.

The purchased object will become the collateral. URALSIB also has a mortgage based on 2 documents: a passport, a driver’s license (they can be replaced with a foreign passport, SNILS, INN). The size of the initial deposit will be at least 40%, and for all clients, regardless of category. Such conditions apply to the purchase of a new apartment (primary market).

Requirements for the borrower: Russian citizenship, age between 18-70 years. The length of service must exceed 3 months, and the existence of the company in which the person works must be more than a year. URALSIB also offers insurance products.

On a note

The most difficult thing to obtain a mortgage for is private entrepreneurs and individuals who receive salaries “in an envelope.” The ideal borrower is considered to be a person with an impeccable credit history, who has enough earnings to fulfill debt obligations, and whose financial discipline is easy to assess. This is a man of 30-35 years old, with a family, children, higher education and working as a mid-level manager or specialist.

At the same time, the loan amount that he requests from the bank varies in the range of 2-3 million rubles. The amount of own funds intended for payment as a down payment is about 20-30% of the value of the property. But individual entrepreneurs and people belonging to other categories of clients can also get a mortgage. It’s just that in their case they will have to provide the lender with a larger package of documents.

3 best banks where you can get a loan without a down payment

Responsible for current loan terms, text editing and graphic design: Alexander Ovcharenko

You want to get a mortgage loan, but you don’t have time to visit the banks that could provide it to you. These days this issue is easy to resolve. Simply apply for a mortgage online directly on the official websites of the selected banks. In just a few hours, these credit institutions will make a preliminary decision on your request and provide information on the conditions of such lending for you. All you have to do is choose where an online mortgage in 2019 will be most profitable for you, and apply for it in one institution or another.

How to apply for a mortgage online?

An online mortgage application is submitted to any bank simply and quickly. For this purpose you need:

1. Visit bank websites, study mortgage lending programs, calculate their cost using a calculator.
2. Complete and submit your mortgage application. If possible (when applying for insurance or a deposit in the same bank), attach an application for a reduction in the mortgage rate.
3. Wait for the bank's decision. If your online mortgage application is approved, you will need to collect documents and contact the bank office to sign a loan agreement.

Online mortgage is a relevant service for Moscow residents. A large number of banks are concentrated in the capital, so it is physically impossible to travel around them on your own and study the lending conditions. Therefore, it is necessary to use specialized services to obtain up-to-date information about the possibility of studying, without a down payment, using maternity capital or on other conditions.

How to apply for a mortgage to all banks in Moscow?

It's easy to apply for a mortgage in Moscow online. It is enough to do the following:

1. select a city;
2. indicate the required amount and loan term;
3. click on the “Select” button;
4. choose a program under which you can get a loan on the most favorable terms.

All banks accept mortgage applications using the form on our website. You just need to fill in the information in accordance with the wording. Within a few minutes, bank employees will call you back to ask a few additional questions. Based on the results of the telephone interview, it will be clear whether it is possible in a particular case at the selected bank.

Requirements for applying for a mortgage in Moscow

An online mortgage application is subject to certain requirements. Usually they are as follows:

• citizenship of the Russian Federation;
• age from 21 to 65 years;
• presence of an official source of income;
• permanent registration in the region where the loan was issued;
• At least 6 months of work experience at last place of employment.

However, some banks may tighten them. In particular, sometimes an additional 5 years of total experience is required.

Advantages of online application for a mortgage in Moscow

An online application for a mortgage loan in Moscow allows you to get several advantages at once, namely:

• no need to contact the service office in person;
• obtaining complete information about the state of the credit market;
• the ability to use a mortgage calculator to calculate the approximate cost of the loan;
• the ability to contact several banks at once.

You must understand that using our website will allow you to get approximate costs for repaying your debt. However, the client will have the exact information when signing the contract, since everything is calculated individually.

Mortgage is the most complex type of lending, which involves large expenses and terms. If you decide to take out a mortgage in Moscow, you should carefully consider choosing an offer from one of the banks in the capital. Vyberu.Ru has selected the most profitable mortgage lending programs and collected them on one page so that you can evaluate them without wasting time searching and visiting bank branches.

Alternatively, you can apply for a mortgage online. Many banks in Moscow have long offered their clients the opportunity to apply for a loan via the Internet. This greatly simplifies the process of getting a mortgage: you can get pre-approved for a loan while you collect the necessary documents.

To apply for a mortgage online, review the offers presented on the page and evaluate their benefits. We have indicated for you the minimum loan amount, term and rate, and also listed the advantages of each program.

Before you make a decision, calculate your payment schedule using our mortgage calculator. Click on the “Detailed calculation” button. On the page that opens, in the appropriate fields, enter the amount you need and the loan term. In accordance with the terms of the loan, the system will calculate a payment schedule for you, which will indicate the amount of monthly payments, divided into the principal debt and the amount of accrued interest.

To apply for a mortgage, click on the “Submit Application” button in the product card. You will be redirected to a page with a form to fill out. You will need to enter the following information:

• Personal data, passport data,
• Employment information – name of organization and Taxpayer Identification Number,
• Amount of income
• Credit history information,
• The parameters of the desired mortgage are the loan size and term.

An online mortgage application is the basis for the bank’s preliminary decision on a mortgage. Before submitting your application, be sure to make sure that you meet the conditions that the bank sets for the borrower. You must match your age, registration, salary level, length of service, etc. All these requirements are set out in the card of each product on Vyberu.Ru. The application will be rejected if it does not comply.

The completed application will be sent to the bank for consideration. An employee of the organization will contact you within 1-7 days to clarify the information, report the result of the transaction review and, if you have received approval, discuss the details of the loan and your further course of action.

What is an online mortgage application?

An online mortgage application is an online version of a standard bank mortgage application. You can fill it out at home or at work, from a computer or mobile device, carefully reading the terms of the loan and calmly thinking about everything. Online applications are usually processed faster than in bank branches.

How to apply online for a mortgage?

Having chosen a profitable loan on Vyberu.Ru, you can proceed to fill out the application by clicking the “Details” button in the product card. You will be taken to a page to complete your application. There you will need to enter the amount you are interested in, the term and down payment of the mortgage, as well as your personal and passport data and contact details. You also need to consent to data processing.

What is special about the online application?

Prompt submission and decision-making are the main features of the online application. You can not be distracted from important matters: you can find a mortgage on Vyberu.Ru, and apply for it directly on the bank’s website. This will save time and effort that you could otherwise spend at a bank branch. In addition, no one forbids you to change your mind - you can refuse the loan if you are no longer satisfied with the conditions or you find a more advantageous offer.

Which bank can I apply for a mortgage to?

The development of Internet technologies is forcing banks to move further, and more and more credit institutions are offering their clients the opportunity to apply for a mortgage loan online, bypassing queues. However, finding a truly profitable loan is still difficult. Vyberu.Ru will help with this. By selecting the “Online Application Option” checkbox on the left side of the screen, you will receive a complete list of mortgage products that you can apply for online.

Can I apply to all banks at once?

You can. This will increase the chances of your application being approved - if you are rejected by one credit institution, it is likely that you will be approved by another. To do this, you need to go through the list and fill out a form for each proposal. If you are approved for a mortgage in several banks at once, you can refuse those banks where the conditions, in your opinion, are less favorable.

Finding a profitable banking program is quite possible if you apply for a mortgage to several banks. It seems that everything is simple - submit and choose the best option. In fact, this method of obtaining a loan is fraught with many pitfalls that should definitely be taken into account.

In this article we will look at them, and also describe services that offer to send applications to several financial organizations, we will look at whether it is possible to take out a second mortgage by paying off the first, and what points to pay attention to when choosing a bank.

Why not? After all, the developers themselves offer a similar service. For example, an application for a mortgage with several banks is completed on the website of a large Moscow developer, GC PIK. All a person needs to do is come to their office, and they will do the rest themselves:

1. They will select the best mortgage lending program.
2. They will provide an approximate calculation of payments.
3. They will help you complete your loan application.
4. They will send it to partner banks.
5. The transaction will be carried out in accordance with the selected program.

However, you do not need to pay for the service itself.

Some people are still hesitant to submit multiple applications at the same time. The reason is simple - all applications, approved and unapproved, are recorded in the credit history, and, therefore, may arouse suspicion among banks. In their opinion, the chances of getting a loan are reduced in this case.

Indeed, before approving an application, banks request a CI, and it reflects all the client’s previous requests to other financial and credit organizations, including approved but unused applications. But in reality everything is not so scary:

• applications are stored in CI for only 5 days;
• In case of refusal, the information does not always have time to reach another bank.

Therefore, applying for a mortgage to all banks is a completely appropriate and wise idea.

In addition, mortgage brokers can help make filing documents much easier. The service of mediation between a client and a bank is new, but has already become popular among many real estate buyers. It greatly simplifies the paperwork process and helps reduce the time for loan approval. And the banks themselves are more willing to agree to offers that come from their partners.

What to look for when applying for a mortgage. Preparation of documents

Before applying to a bank online for a mortgage, you need to take into account the upcoming additional costs. The following expenses are expected:

• Mortgage insurance. This includes insurance of property (from 0.15 to 0.3%), life and health (0.39%), title to purchased real estate (0.21%, only for housing on the secondary market). You need to understand that property insurance is mandatory; this is stated in Federal Law No. 102 of July 16, 1998. Other types are voluntary. However, if you refuse them, the bank can raise the interest rate on the loan by 1 or 1.5 points. It may also increase if the client refuses to renew the contract with the insurance company annually.
• Bank commissions. They may be charged for issuing certificates, for processing an application, for processing documents, for removing mortgage encumbrances, and even for crediting loan payments. Therefore, all these questions need to be clarified in advance before submitting an application to the bank. Some fees are prohibited by law, such as application and loan origination fees, but others, such as one-time payments, remain the most common and can range from 1 to 4% of the loan size.
• Independent real estate appraisal. It is carried out by the client himself, and you will have to pay approximately 4,000 rubles for the procedure.

Today, applications can be submitted both in the office and in your personal account on the bank’s Internet portal. The procedure is simple: fill out an online application and send it to the bank manager. Then the bank specialist contacts the potential client and discusses the terms of further interaction. The required package of documents is transferred electronically, without leaving your home. The documents usually require:

• a copy of the work record book certified by the employer;
• all scanned passport pages;
• income certificate (using a bank form or 2-NDFL).

When choosing a suitable bank, you will need to focus on three parameters: down payment, rate, monthly payment. Let's take a closer look:

• starting payment amount. For those clients who can pay half or more of the cost of the purchased property, it is wiser to give preference to programs with a preferential interest rate. If you don’t have a lot of money, then the best option would be a mortgage program with additional collateral, which could be another house or apartment, or a car.

• interest rate. Well, everything is clear here - the lower the rate, the better. Some banks are ready to reduce the interest rate by several points for certain categories of clients, for example those who receive salaries on their card.
• Monthly payment. It should not be higher than 40% of the income the borrower receives. If your income is small, then it would be wiser to increase the loan term.

In addition, you need to make sure that the borrower meets the bank’s requirements regarding age, work experience, registration and others.

Is it possible to take out a second mortgage? Practice

Taking out a second mortgage? For what? Pay first! Many people say so; in fact, there are people who take out not only a second, but also a third and even a fifth mortgage. Recently, the story of blogger Svetlana Shishkova appeared on the Internet. She and her husband took out 4 mortgages over the course of 6 years, they successfully paid off three of them and are in the process of getting a fifth. Now they own two apartments in Moscow and in the Moscow region and know all the nuances of the procedure and how to take out a second mortgage without paying off the first.

Therefore, the answer to the question “can I take out a second mortgage?” – definitely affirmative; however, not all banks provide this opportunity. The higher the entry fee (at least 15%), the more offers from financial organizations and the chances of approval of the application

People take out re-loans in different ways:

• pay off the original debt ahead of schedule, then take out a new one;
• leave the old one and take the new one;
• sometimes future borrowers, not having a sufficient amount for an initial payment, before taking out a second mortgage, offer the bank an apartment as collateral, the loan for which is 90% repaid. Despite the attractiveness of such an offer, not many banks agree to this, considering the transaction risky;
• then the last option remains: borrowers sell the unsecured apartment and use this money to pay off the debt, and use the remaining funds as a down payment when buying a second apartment. This option is also reluctantly considered by bankers and the refusal rate is high. And even if the decision is yes, they can request 1% of the remaining outstanding loan.

When deciding whether or not to issue a second mortgage to a client, banks apply three criteria to him:

• size and stability of income - it should be 2 times more than the monthly mortgage payments;
• good credit history;
• good quality characteristics of collateral real estate.

At the same time, it is more convenient to take out a second loan where the first one was issued.

Different banks have different loan conditions. For example, you can take out a second mortgage from Sberbank using maternity capital as a down payment.

Many military personnel are interested in the question of whether it is possible to take out a mortgage a second time. The law does not limit the number of participants in the military mortgage program. However, before submitting the application, the borrower will need to pay off the loan for the first apartment. This can be done either with your own accumulated funds or with money from the sold apartment.

Universal application for a mortgage in several banks

Many intermediaries have appeared in the mortgage market between financial institutions and borrowers. They create online services where you can quickly and easily fill out an online mortgage application to all banks. Let's look at the most popular of them.

Tinkoff Bank as a universal mortgage aggregator. Advantages and disadvantages

Users can get approval from several banks and choose the most optimal conditions for themselves mortgage service from Tinkoff Bank. The recipient of the loan simply leaves an online application on the website, and the rest of the procedures fall on the shoulders of his personal manager, who is immediately assigned to him. Step by step it looks like this:

1. The application is filled out.
2. The service transmits it to several partner banks.
3. The client chooses the housing that suits him - an apartment, a room, an apartment, a country house, a garage or others.
4. The borrower compares conditions from different banks and chooses the appropriate one.
5. At the final stage, he meets with a representative of the partner bank and concludes a deal.

Insurance and valuation issues are decided by the manager. Another significant advantage is that Tinkoff Bank helps reduce interest rates for its partners. And all this is completely free. At least that’s how the bank itself describes the service.

The Tinkoff portal displays reviews of the service from the Banki.ru website. Even just a quick look through them can make sure that many are satisfied with the service. There are also negative reviews, but there are much fewer of them. Here's what they write:

pros	Minuses
Review from user Kortaf Liked: Easy to fill out questionnaire; Everything loads quickly; There are 3 partner banks to choose from; Saving nerves and effort	Did not like: After uploading documents, you cannot edit them; you need to call the bank and ask to open the application form again. Already at the transaction stage it was discovered that the percentage increased from 11.75 to 12.0%.
Broker-spb I thought for a long time about how to get a second apartment on a mortgage. Tinkoff helped a lot. Tangible assistance during registration and a full package of services without leaving home. The bank employee himself came to collect the originals.
Msi.inc I liked the well-established service, the additionally reduced interest rate, competent and professional managers
Dolmatov89 I appreciated the efficiency in resolving the issue, the professionalism of the managers and the reduced interest rate.
Ritmo The bank offers the most advantageous offers from its partners. It is possible to receive an additional discount on the interest rate. Comprehensive consultations with specialists. Detailed information about the real cost of the loan with all commissions in each partner bank. Free debit card as a bonus. High level of specialist training. Fast dialing and the same response to the application.
	Blitz51 I didn’t like the incompetence of the employees, the deception, the payment schedule they sent turned out to have an error of 600 thousand rubles, they constantly needed one or another document. Employees do not carefully read the questionnaire data, and as a result, after lengthy red tape, the application was never approved.

As you can see, the majority of users are still satisfied with the service and are ready to recommend it to friends and family.

DomClick service of Sberbank of Russia with discounts on new buildings. Advantages and disadvantages

DomClick helps you purchase real estate with a mortgage. Working with the service is very simple:

1. On the home page DomClick We pre-calculate the loan and select the conditions acceptable to ourselves: type of real estate, its price, amount of the down payment, loan term.
2. We create a personal account. Here you can edit previously entered conditions.
3. We fill out the application, upload documents and send. The application is usually reviewed within 2 days, but can be approved on the day the application is sent.
4. Once the application is approved, the borrower has 90 days to select housing and collect all documents. By the way, Sberbank is holding a promotion: when purchasing an apartment in new buildings accredited by the bank, the borrower is provided with special conditions, one of which is a low interest rate - from 7.4%.
5. Documents are uploaded in your personal account, and they are immediately sent to the bank for verification. The bank's decision will be presented within 5 days.
6. The borrower chooses the date and time to sign the documents.
7. To become the owner of real estate, the transaction must be registered with Rosreestr. This will take from 3 to 9 days.

In your personal account, you can order a call back and send a message to the operator.