Bank loan secured by property. Risks in the departure of the Moscow apartment. Survival in Sberbank departments facilitates access to financial products

If you need a big amount of several million, buying housing or other purposes, and the usual consumer loan you are not enough, you can take a loan on the security of real estate. The probability of approval in this case increases. She can be in your property or someone else. In this case, he will act as a guarantor. We collected 7. the best companiesissuing cash secured apartments, cottage or at home with a plot.

7 banks for a loan secured at home and apartments

The smallest interest on loans secured by the apartment in Tinkoff, Myzalog24, Express Bank East and Creditors24, and you can also get the biggest amount. Slightly less in Sovcombank. He and Green Finance work with borrowers. In Sovcombank, and Creditors24 is the highest probability of approval, but they work only with Moscow and MO. And in the Bank of Housing Finance (BZhF) you can contact other cities of Russia - they issue urgent loans on the security of real estate with the consideration of the application on the same day.

First of all, it is worth contacting East - there are the rates below, and the percentage of approvals is up to 96%.

Why take a loan on the bail of an apartment or at home?

Who wants to leave something to the bank if others give out just like that? Nobody. So what is the meaning of such a loan, its advantages and for what to take a loan to the departure of the apartment, real estate or other property? Explain.

1. Large sum. What other bank will suggest you just so a few million without guarantors and other difficulties? And on the security of the apartment or at home you can take up to 30 million. True, no more than 60% -80% of the cost of housing is issued.
2. Longer than time. With an increase in the amount, the loan period is also increased, which means that monthly payments are reduced - it is much easier to withstand a new financial burden.
3. With a bad story. In contrast to simple consumer credits Loans secured even if your ki is spoiled, there are delay or other open loans. Why? Because now the bank has a guarantee of payments.
4. Money is needed urgent. The application is considered, and the contract is executed faster than when applying for a consumer loan. You can take cash today, if you have time to apply in the morning and quickly get to the bank office for money.
5. Below interest. And since you offer a guarantee, many banks are ready to reduce the standard interest rate on a 3% -5%. Vaughn in the same express bank East - a percentage of 9.9%.
6. Without unnecessary certificates. If you are unemployed, an individual entrepreneur or business owner, get a standard certificate about the income of the 2-NDFL, which all banks are asked to be problematic. And on the security of any references and guarantors no one asks.

Many take such a loan secured by commercial real estate to buy a new one - with a competent approach, the rental rate overlaps loan payments, and you get an additional income + property premises.

Credit deficiencies on the security of real estate

Minus here is only one, but very weighty. Cash you get about 70% of market value Real Estate, A. losing an apartment fullyIf suddenly you can not pay a loan.

We advise you to think carefully and calculate everything before you contact the bank for a loan. The most important thing is to determine if you can pay a debt so as not to lose the end of your housing. It is worth seeking money only if you have a really weighty reason.

What apartment will not be accomplished

And several important momentsthat you need to know about your real estate if you are going to lay it. There are subtleties that should be considered.

1. Accommodation in emergency condition. If the house is a dilapidation and collapses or shall be demolished, if the housing is too old - the bank may not accept it. It is important - only an emergency condition confirmed by the conclusion.
2. The apartment is not privatized. It is logical that if you still have not privatized your housing, then in fact it belongs to the state, and not you. So, you can't lay it.
3. In the apartment registered children or elderly. If a minor child is registered in your housing and it owns the share of the apartment - a unambiguous refusal. The same applies to the elderly dependents or those who are on these moments are in places of imprisonment.
4. Apartment already pledged, mortgage or under arrest. Until you pay or pay off, it cannot be considered completely yours. So, it is not worth counting on receiving a new loan. This applies to the arrested property, including commercial in the event of a bankruptcy of the company.
5. You do not have full set Documents. If there are not enough documents on the apartment, for example, they are lost or lost in the event - the bank will refuse.

Full real estate requirements will be provided by the bank on request or after approval.

Creditors24 - Even with bad ki from 15% per annum

• Amount: from 100 thousand rubles. up to 25 million rubles;
• Term: from 1 year to 30 years;
• Interest rate: from 15% per year;
• Age: 18-79 years;
• Approval: 99%.

You can get money on bail both residential and non-residential real estate exactly on the day of circulation, the fastest option is the money after 1 hour after the appeal.

You can lay an urban apartment, vacation home or a plot, room, cottage or non-residential commercial premises, geographically located in any city or the region of the Russian Federation.

The conditions are simple - the availability of real estate in your property and age from 18 years, plus Russian citizenship and registration. The availability of work is not important, income to confirm the need is not, as well, as no one will check your credit history, you can contact even spoiled. From the documents you will need both paper confirming your property on an apartment or other premises.

Real estate should not be under the burden - another pledge, mortgage or arrest.

You can get up to 75% of the market price of your property. Contact today, and money can be taken within 24 hours. If urgently - apply on the official website.

MYZALOG24 - Hurry up at the rate of 8.5% per annum

• Amount: from 500 thousand rubles. up to 70 million rubles;
• Term: from 1 year to 30 years;
• Interest rate: From 8.5% - by shares;
• Age: 18-79 years;
• Approval: 93%.

If you have time to share - get to a reduced interest rate on the loan, only 8.5% per annum. No one bank offers below. It is worth drawing up, while profitable. If not time - the standard rate is 12% per year - also quite loyal at the level of minimal interest on ordinary consumer loans in banks.

Even if you have issued a loan on the security of real estate in Myzalog24 for a long time, it is not necessary to wait for its end. You can pay off early at least a month after receiving the money. No penalties and other sanctions are provided for this.

You can only get a loan if you and the deposited apartment are in Moscow and MO or in St. Petersburg and Lo. As collateral, not only apartments, but also at home, townhouses, cottages and commercial real estate.

Give all adult citizens of the Russian Federation. Your credit history, debts and delay is not interested in anyone - no one will even check them. Also, other documents that always want to see in the bank. Only your passport and accommodation documents are needed.

The apartment should not be arrested or be in mortgage and other pledge.

On the this moment The company has already approved and issued almost 3,000 loans, and you will still have to become next at a preferential interest rate.

Tinkoff - from 8% with online registration

• The amount: from 200 thousand rubles. up to 15 million rubles;
• Term: from 3 months. up to 15 years;
• Interest rate: from 8%;
• Age: 18-70 years;
• Approval: 87%.

The fastest and most convenient acquisition of the loan, which you can come up with. You send an application online, and the courier will bring you a courier with you, with whom you will sign all required documents. The only thing you need to do on your own is to register a deposit, the real estate you offer the bank as a guarantee.

Pledge only accepted privatized apartments In complete apartment houses In any city of the Russian Federation + housing that fell under the renovation program.

You can arrange any citizen of Russia with age from 18 to 70 years. It will take only a passport and reduss + documents confirming that real estate is in your property.

Revenue confirmation, official work and other references are not required. You can contact even the corrupted credit history. Give out business owners, and.

East - from 9.9% secured by the apartment

• The amount: from 300 thousand rubles. up to 30 million rubles;
• Term: from 13 months. up to 20 years;
• Interest rate: from 9.9%;
• Age: 20-65 years;
• Approval: 80%.

The main advantage - even works with clients who have a bad credit history. High enough, up to 80% chance of approval of your application. Where else from spoiled ki you get such a large amount up to 30 million rubles at such a low rate from 9.9%?

The most interesting thing is that it may not even be your apartment or house. Someone can make your guarantor, offering housing or commercial real estate as a deposit.

Gives up to 60% of the cost of your apartment.

The insurance of the borrower is not needed, and housing is subject to mandatory insurance, And this will have to do you yourself. Loan is not metering, that is, you can spend it as you think: buy accommodation, refinance other loans, to start treatment or education.

BZHF - up to 20 million from 11% for real estate

• Amount: from 450,000 to 20 million rubles;
• Term: from 1 year to 20 years;
• Interest rate: from 11%;
• Age: 18-65 years;
• Approval: 75%.

The bank is focused on customers with good financial support, but issues loans and secured by a small apartment. The main thing is that it be in your personal property and was not in mortgage, emergency, in the house to be demolished and so on.

You can also get up to 70% of the cost of housing. The interest rate is determined for each borrower individually. Maximum reaches 24.99%.

Credit not only officially working individuals, but also individual entrepreneurs, freelancers and self-employed and owners of the LLC and other business.

BZHF issues as target loans - on the purchase of housing in new buildings, the first contribution of the mortgage, payment of the franchise when opening a business, etc., and non-target.

Sovcombank - loans secured at home in Moscow

• The amount: from 200 thousand rubles. up to 30 million rubles;
• Term: from 1 year to 10 years.;
• Interest rate: from 11.9%;
• Age: 25-85 years;
• Approval: 75%.

The main minus of this proposal is only for those who live in the capital or Moscow region. But Muscovites can safely get up to 30 million rubles secured by their apartment for any purpose, including the purchase of new housing.

Sovcombank is similar to BZhF - the same age limits, the same requirements for the apartment and also give up to 60% of the market value. But they can ask you also guarantors.

The main minus is a large set of documents. In addition to real estate papers, you will need a passport, a second additional identity confirmation document for your choice, copy labor book And also a certificate of 2-income income.

Green Finance - up to 10 million with bad ki

• Amount: from 250,000 to 10 million;
• Term: from 1 to 10 years;
• Interest rate: fixed 1.5% per month;
• Age: 21-62;
• Approval: 90%.

The main plus is not too interested in your credit history, they are issued, even with open delay. As deposit, they take an apartment, a cottage or a house with a plot without it, as well as offices and other commercial real estate.

The percentage is higher than in other banks, but is issued in cash up to 80% of the cost Real estate that should be in your property.

Fixed rate - No need to wait for approval and making an individual decision, you will pay exactly 1.5% per month from the amount of debt. Decisions are taken for half an hour, money can be taken at least today.

The probability of approving your application is 90%. With it easy to calculate the overpayment and accurate amount of the monthly payment.

Loans secured by real estate allow you to get almost 100% trouble-free approval even for large sums from a million and higher, since the bank has a guarantee that you will return a debt on time. But if you do not pay - housing you can lose. In advance, calculate possible risks and your financial opportunities.

For the questionnaire, you must enable JavaScript in the browser settings

Real estate owners can take money for any needs and on the most favorable conditions. For selection better sentence And facilitate the design procedure, contact professionals. Experienced brokerage firms, such as Artego Finance, will provide all services that are needed to obtain a loan.

It happens that the owners of expensive property, for example, residential premises, lack of free funds. If finance is urgently required, then in this situation it is advisable to lay real estate in the bank, and in return to obtain a large amount.

Money is provided, as a rule:

• in the amount of up to 80% of the market assessment of the object. Such a discount ensures security for the lender and is quite attractive for the borrower;
• for any purpose. This means that the loan secured by the apartment is allowed to spend exclusively at its own discretion. Usually banks do not regulate the procedure for using secured loans and do not control clients in this matter;
• provided timely and full repayment. Although the borrower lays its real estate this kind Loan, in its implementation, ultimately, is not interested in any of the parties to the treaty. Ideally, the client must pay a debt strictly according to the agreed schedule, with all percentages.

Contact Artego Finance to take a loan to secure

We provide a unique service, including:

• filling and sending an application online, as well as its urgent processing (within 1 working day);
• search for an optimal financial product among dozens of best suggestions on the market;
• the ability to borrow a large amount without official confirmation of income and without references (it suffices to lay out your apartment and issue related insurance contracts);
• the presentation of the minimum age limitations (most of the banks from among our regular partners issue funds to all adult citizens not older than 75 years);
• attachment to each client of a personal manager;
• assistance assembly, configuration and submission to the bank of the required package of documents;
• many other benefits (with full list You can find on our website).

To get a loan on the security of an apartment without effort and in the shortest possible time, with a security guarantee and with optimal parameters, simply order the appropriate service in Artego Finance! We are waiting for your applications!

The main difference of loans secured by real estate from others credit products Lanta Bank - mandatory availability. The property transferred to the deposit is a guarantee of execution by the borrower of obligations to the bank.

Minus for the mortgagor - he risks to lose property. In the case of a rough violation of payment discipline, the lender has the right to draw a penalty for the pledge. In such a situation, square meters are implemented, and the remedied funds go on debt to the loan agreement.

In accordance with Federal law dated 07/16/1998 № 102-ФЗ "On mortgage (pledge of real estate)" contract pledge is subject to state registration in Rosreestre.

How much loan can I count?

The bank always approves the maximum amount that the borrower and cohesives can be given in the questionnaire. However, the loan amount cannot be more than 85% of the cost of your chosen real estate.

I refused a loan. Why? What to do?

The bank does not explain the reasons for refusal, as it would have led to the disclosure of the system of evaluating borrowers, which is a commercial secret. There are potentially about twenty borrower parameters and concerns to which this system can rely.

If the bank refused you, you can apply for a loan again after the deadline indicated in the accompanying text of the failure. In some cases, you can immediately apply.

How to increase the chances of getting a mortgage with a small official salary?

For example, you can apply for credit with a certificate in the form of a bank instead of reference 2-NDFL. A certificate of income in the form of a bank is an alternative document that is accepted by the Bank as a borrower's income confirmation, but in which additional earnings can be taken into account.

I am a man of age, will I give a mortgage?

You can make a mortgage for a term before you have 75 years old. For example, if you are 65 years old, you can take a mortgage for 10 years.

If I get a salary on Sberbank card?

Salary customers of Sberbank, depending on the other lending conditions, can obtain additional benefits. At the same time, advantages are available if any of the concerns is a salary client.

· If over the past two months you had at least one wage enrollment on the card or Sberbank's account, you can get a discount to the bet.

· If you had wages to credit on the card (account) of Sberbank at least in 4 months from the last 6 months, you will not need to additionally download the certificate of income and a copy of the workbook.

How to find out overpayment in my future loan?

See the amount of overpayment you can by registering B. personal Cabinet . After registration, click on the calculation panel and you will make the overpayment chart in the calculator.

Is it profitable to buy the life and health of the borrower?

Life and health insurance in the insurance company Sberbank Life Insurance LLC or other companies accredited by Sberbank makes it possible to reduce the loan rate by 1%.

Given the purchase of the policy, in fact, you will save at a rate of about 0.5 percentage points. In addition to saving at the rate, the policy performs its immediate task - the Insurance Company will pay the bank to the balance of debt on your mortgage loan At the occurrence insurance case (Lossability or death).

I am a citizen of another country, can I get a mortgage?

Mortgage in Sberbank is issued only to Russian citizens.

Who can be a concern?

Most often, relatives of the main borrower are most often coaches - spouse, parents, children, brothers and sisters. Total you can attract up to 6 concerns. If you are married, your spouse must be a mandatory concern. Exceptions are possible if the marriage contract is concluded between the spouses.

How to use maternity capital in favor of the mortgage?

You can use the maternal capital tools in whole or in part as initial contribution When receiving a mortgage. You can use only maternal capital or the amount of maternal capital and own funds. By minimal size The initial contribution is recommended to navigate the calculator Domklik.

When using funds maternal capital It is important to coordinate with the seller the order and the term of receipt of them money maternal capital, since this amount is listed from Pension Fund not right away.

What additional expenses will be when making a mortgage?

Depending on the type of real estate and the selected set of services, the loan will require payment:

· Evaluation Report - from 2,000₽ depending on the region and evaluation company (required to assess the mortgage object);

· Insurance of the mortgage object (on the apartment acquired) - directly depends on the size of the loan;

· Insurance of the life and health of the borrower (not necessarily, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registration of a transaction in Russia - 2,000₽ when independentregistration or 1 400 ₽ with electronic reg istrace (is additional service and paid separately);

· Rental bank cell and pay for access to it (when buying secondary housing for cash) or payment of the Safe Calculation Service - from 2,000₽ .

The cost of services is approximate. Specify the exact cost on the sites of the relevant services.

What is better: new building or secondary?

As a rule, the apartment or apartment in the new building is bought directly from the developer, the second one is in the previous owner.

Nobody lived in the new building, the price per square meter is less than that of the apartment class in the secondary, there are shares from developers, more modern planning, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be included, while The majority of tenants will not be arranged, most likely, they will have to wait for the development of infrastructure and the end of repair from the neighbors.

In the secondary, as a rule, you can enter and register immediately after purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn out communications and will need to check the legal purity of the property and transaction participants.

What is the term of consideration of the application for a loan?

Consideration of the application does not exceed two days, but most customers receive approval on the day of submission of the application.

How does the process of obtaining a mortgage in Sberbank through the Domklik?

Depending on the type of real estate and other parameters, the process of obtaining a mortgage may differ.

However, the first stage is the same for all - submission of the application for a loan. To submit an application, calculate the loan on the Domklik calculator, register on the site, complete the profile and attach the necessary documents. Consideration of the application does not exceed two days, but most customers receive approval on the day of submission of the application.

If you have not yet selected real estate, you can start it immediately after receiving approval from the bank, when you learn the maximum loan amount for you.

When the property is selected, download the necessary documents in the Domklik office.

Within 3-5 days, you will be approved for the coordination of your chosen real estate. You can choose a convenient date of the transaction, which is held at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestre. Congratulations, everything is ready!

Why register on the Domklik?

After registration you will be available to help consultant in chat and bindership. Registration allows you to save your data so that you can return to complete the application at any time. After receiving the credit approval in the borrower's personal account, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary for the receipt of the mortgage.

How do I recognize the decision of the bank?

Immediately after considering your application, you will receive SMS with the Bank's decision. You will also call a bank employee.

If you work on hiring

• Copy of passport (all pages)
• SNILS / INN
• Documents confirming income:
  help in the form of 2 ndfl or certificate in the form of a bank
• A copy of the employment record, certified by the employer (all filled pages)

If you are owner or business co-owner

• Application - Borrower / Caregua / Guarantor
• Copy of passport (all pages)
• Certificate of registration of the organization and changes in the constituent documents in the EGRUL, certificate of registration in tax authorities, A copy of the statement from the register of shareholders (for joint-stock companies)
• If your company general system Taxation: certified by the Chief Accountant and Printing Companies of Copies of Form No. 1 ( balance sheet) and form number 2 (report on financial results) for the previous reporting year and over the past quarters of the current year for all affiliated companies with a mark tax Inspectionor documents confirming the reporting
• If your company has a simplified tax system: Tax return on the tax paid in connection with the use of USN for the analyzed period with a tax inspection mark, or documents confirming the declaration of declaration, receipts confirming the payment of income tax for the analyzed period, certified by the chief accountant and the stamp of the company's copies of Form No. 1 (accounting balance) and Form No. 2 (report on financial results) for the previous reporting year and over the past quarters of the current year for all affiliates, notification of the possibility of applying a simplified taxation system.
• Extracts from the bank about the cash flow on the current account with the average monthly turnover
• Military ID (for a potential borrower / conscript coherer)

If you are engaged in private lawyer practice or notarial activities

• Application - Borrower / Caregua / Guarantor
• Copy of passport (all pages)
• To confirm income:
  1. Tax Declaration on the payment of the tax on the income of individuals in the form of 3-NDFL.
  2. payment receipt tax fees For the last reporting tax period.
  3. Help from the bank (s) on the presence / absence credit history and current loans, as well as the absence of category number 2 on a set account.
  4. Payment documents on the payment of tax or certificate from the IFX on the absence of debt to the budget.
  5. Extract from the bank (s) on the movement on a settlement account (AM) with the stamp of the Bank over the past year and the past months of the current year (monthly).
• Certificate of registration with tax authorities (original or copy)
• Certified copy of the employment record
• Additionally for lawyers: Certificate of a lawyer, a document confirming the institution of a lawyer, an agreement on the provision of legal assistance in a lawyer.
• Additionally for notaries: License for notarial activities. A document confirming membership in the notary ward, a lease agreement (s) for office premises, or other documents. Explaining the actual location of the office at this address
• Military ID (for a potential borrower / conscript coherer)

Consent to the processing of personal data

I give my consent of Alfa-Bank JSC (107078, Moscow, st. Kalanchevskaya, D.27) (hereinafter referred to as the Bank) for the processing of my personal data provided by me in the form of an application on the bank's website, using automation tools , including collection, recording, systematization, accumulation, storage, refinement (update, change), extraction, use, transmission (provision, access), dewincing, blocking, deletion, destruction of personal data and other actions provided for by Federal Law of July 27, 2006 No. 152-FZ "On Personal Data" in order to: bring to participate / participate in surveys, survey conducted by the Bank to study and study the opinion of potential customers and other individuals on the services offered by the Bank; about the quality of service; Processing of my appeal, including: verification of circumstances set out in circulation, conducting an investigation into operations of operations, actions / inaction of bank employees, as well as communicating with me to provide information on the results of consideration of my appeal.

Personal data provided to the bank through the application form are subject to destruction or deletion to achieve these objectives of treatment or in case of loss of the need to achieve these goals. I understand and agree that to stop using my personal data by the Bank, I need to contact the bank for issuing an agreement on the processing of my personal data.