Mortgages with government support. Rosselkhozbank: mortgage terms, reviews

The housing issue is the main problem for many young families. And it's natural! How can you independently purchase an apartment / house, when the value of real estate is inexorably growing, and wages remain practically at the same level. The answer is only one: get your own housing due to mortgage programs of banks.

Yes, many families are afraid to get involved in this bondage. After all, sometimes interest rates on loans beat all the limits of what is allowed. So, some borrowers who bought housing, for example, for 3 million rubles, eventually have to pay for 5-6, and even more than millions. Naturally, nobody will want to pay such sums "to the wind".

The state, wishing to help young families in the implementation of their dreams - the acquisition of real estate, has introduced a new product. It is called a mortgage with state support. Rosselkhozbank, not wanting to lag behind many of its competitors, hastened to introduce such a proposal. What has turned out of this, you can find out further.

Use cases

Unlike conventional credit programs, you can not buy an apartment in a mortgage with state support in any home. So, such a purchase is only possible in new buildings (regardless of whether the house is completed or not), provided it is sold by a legal entity. And it is important to note that even satisfaction of these two requirements is not a reason to give borrowers a soft loan. After all, a mortgage loan with state support is issued only for the purchase of apartments in houses built by an accredited state developer.

If it is assumed that when buying an apartment a mortgage will help with government support from Rosselkhozbank, potential borrowers can first acquaint themselves with the list of developments in their city where purchase under this preferential program is permissible. To do this, they just need to go to the official website of the financial institution, find the "Mortgage" tab and examine the submitted material. The second option for acquaintance with the apartments available for such lending is to apply directly to the bank branch itself.

Benefits

Mortgages with state support for Rosselkhozbank are not only low interest rates on a loan for a real estate purchase, but also:

• A certain rate for the entire crediting period. Its size ranges from 11.3% per annum.
• Absence of commissions on the loan.
• The possibility of premature debt coverage at any time.
• The availability of confirmation of your income is all in the form of a bank.

Mortgage in "Rosselkhozbank": conditions for granting

Many potential borrowers want to know, in the first place, the conditions for granting such a soft loan for the purchase of an apartment. So, they are as follows:

This is what Rosselkhozbank offers! Mortgage, conditions and reviews on which are quite positive, will appeal to almost every borrower.

Interest rates

According to the preferential program of mortgage lending, the loan is granted at an interest rate of 11.3% per annum. However, if the borrower does not fulfill certain requirements of the bank (for example, in the absence of necessary insurance), the creditor has the right to raise the interest by 7 points. As a result, the loan will be calculated at a rate equal to 18.3% per annum. Such conditions are provided by Rosselkhozbank!

Mortgages with state support: conditions for collection of documents

To qualify for a mortgage from Rosselkhozbank, the following list of documents should be prepared and handed to the employee of the financial institution:

• Completed questionnaire on the form of the bank.
• The document proving the identity. This is a passport of a citizen of the Russian Federation or a special document passing military service.
• For male borrowers under the age of 27 years - a military ticket or a written certificate.
• Documents showing the marital status / availability of children.
• Documents confirming employment and obtaining a sufficient amount of income.
• Documents for the purchased property.

In some cases, the bank is entitled to change the list of required documents.

Requirements for borrowers

So what should be the borrower to meet the requirements of the institution called "Rosselkhozbank"? Mortgages with state support, the right to receive which is not everyone, is given only to a certain circle of persons. Thus, potential borrowers must meet the following requirements:

• The client's age is from 21 to 65 years. The maximum age is indicated at the time of full coverage of mortgage payments. That is, taking a mortgage in 60 years, the borrower has the right to choose a loan period of only 5 years.
• Presence of Russian citizenship.
• The presence of a certain length of service:

1. At least six months at the last place of work and one year in the last 5 years.
2. For payees on the Rosselkhozbank card or with a positive credit history in this institution: from 3 months at the last place of work and from 6 months of the general "working" period for the last 5 years.
3. For customers who receive a pension on the card of this bank, the requirement for compulsory availability of a length of service for 1 year does not apply.
4. Citizens, leading a personal subsidiary farm, must provide a record in the management book of the local government on the maintenance of their private smallholdings in the period of 12 months at the time of applying for a loan.

• Registration in the territory of Russia by place of residence or stay.

Service Option

According to the presented mortgage product, the borrower will be obliged to pay loan payments in equal parts throughout the term of the loan. If you wish to repay the loan ahead of time, you will need to provide the relevant application and ensure that the required amount is available on the account by the time of the next monthly payment. The big plus of the proposal in question is that there are no additional commissions and payments for early repayment of debt.

Now it is known what is a mortgage with state support. "Rosselkhozbank", reviews about which in the majority of its positive, proved to be the best side, offering the issuance of such a loan, even to owners of personal subsidiary farming. And this is a certain advantage in relation to other financial organizations!