Calculate Mortgage Credit VTB 24 Calculator. Mortgage lending VTB - Bank programs, requirements for borrowers, package of documents and interest rates. Negative reviews about the organization

VTB 24 steadily ranks second in the ranking of Russia's largest banks in the number of issued mortgage loans, hopelessly lagging behind Sberbank and as confidently ahead of all others. In 2011, more than 50,000 people took advantage of the mortgage of VTB 24 who received about 80 billion rubles for the purchase of housing. Thus, the average mortgage loan amount of this bank has slightly exceeded 1.5 million rubles.

Documents for mortgage VTB 24

In order to take a mortgage at VTB 24 Bank 24, you will need the following mandatory documents:

• Passport;
• Copy of military ticket or driver's license;
• Copy labor bookcertified by the employer;
• Certificate of income in the form of 2 ndfl or in free form.

More details about the list of documents for mortgage in VTB 24:

• List of documents (if you worker) (143 kb)
• List of documents (for businessmen) (57 KB)

The owners of their business will need to provide an extract from EGRIP or an incorporation, an extract from the bank, which is open to the current account, balance sheet and profit and loss statement, as well as a certificate of debt.

By some mortgage programs VTB 24 is required only 2 documents (see below in conditions).

Mortgage conditions (interest rates, maximum term, etc.) and its online registration on VTB 24

Through the Internet, you can apply an online application for the following types of bank mortgages in VTB 24:

* - The program itself was not a mortgage without the initial contribution of VTB 24, but thanks to the maternal capital, it was possible to completely cover it, or to reduce the fee, constituting from 10% of the apartment's cost. The terms of the program fully corresponded to the programs "Apartment in a new building" and "Apartment on the secondary housing market".

Please note that in the VTB 24 Bank, while it is present in almost all regions of the Russian Federation.

Where can I take a mortgage of VTB 24 bank?

As already written above, this financial institution is located in all regions of Russia. However, on the question of where to take a mortgage of VTB 24, unfortunately, it is possible to answer far from all cities of the Russian Federation. Big citieswhich the bank is necessarily present:

To issue mortgage In VTB 24 via the Internet and find out the decision on it, you can use for shape applications from above.

In Russia, not everyone can afford to solve the apartment question and at the same time do not resort to loans. It is for this reason that mortgage lending for a long time is popular. As part of the decision on where it is better to make a mortgage, it is imperative to choose a reliable financial organization. One of the most reliable and popular credit structures today in our country is "VTB 24". Reviews of mortgage in this bank will consider in this article.

The advantages of mortgage lending

Before deciding on the design of the mortgage program in VTB-24, it is necessary to carefully examine all the benefits of loans in this financial institution. So, the advantages in this case can be called the following:

• Quite quick decision after applying.
• High-level and professional customer service.
• The bank offers many different programs that allow each person to choose for itself the most acceptable option.
• Favorable bets that are lower compared to other less large banks.
• It is possible to abandon insurance or purchase a policy that will affect the percentage.
• The service support of the program, for example, clients are sent regular SMS reminders about the timing and amounts of payments.
• The presence of a mortgage calculator on main page site allowing to calculate all necessary parameters Credit immediately before submitting an application.
• The possibility of complete or partial early repayment without any restrictions.

Disadvantages of mortgage programs

According to reviews, the mortgage in VTB-24 has flaws, these include the following minuses:

• Very stringent requirements for borrowers who intend to make a mortgage.
• If desired to buy real estate shared construction The choice is limited to accredited objects.
• If the client fails to insure life and health, the rate increases significantly.
• The maximum amount of loans determines the assessment of the expert, which is quite frequent turns out to be significantly lower than the market value.

Thus, before applying, the borrower must estimate absolutely all the advantages, as well as the shortcomings of the mortgage program. And only in this case will be able to take an optimally suspended solution. Reviews of mortgage in VTB 24 will help.

Terms of mortgage loans

Mortgage programs in VTB-24 are distinguished by an extraordinary manifold. The bank offers a sufficiently large number of different programs, thanks to which everyone can easily choose the optimal option.

On a large apartment

Those who decided to buy a big apartment (at least sixty-five square meters), it is better to use the program called "the more meters, the lower the bet." As part of this program, the rate decreases almost half a check. If you make at least twenty percent of the cost of real estate in the framework of the first contribution, then on this lending program will be able to receive up to sixty million rubles.

Customer reviews about VTB 24 Mortgage, mostly positive.

Low initial contribution

Buy an apartment or a house in a mortgage in a bank can also be used by the program called "Purchase of housing". As part of this option an initial fee It can be reduced to ten percent. The interest rate is set in the amount of from 9.6% per annum. At the same time, the maximum loan size will reach sixty million rubles.

Without confirmation of income

In "VTB 24" there is a program that makes it possible to issue a mortgage without confirmation of income, it is called "victory over the formalities". Considering only two documents, as well as making a minimum of thirty percent of the cost of the apartment, the client is able to make a loan under 10.6% per annum. The maximum amount will be thirty million rubles.

Serviceman

Servicemen who have the right to a housing loan subsidy can use the Mortar Mortar Program. As part of this mortgage lending, the rate begins from 10.9% per annum. As for the first contribution, it ranges from fifteen percent.

Refinancing

For those who have already issued housing loan In another bank, VTB 24 offers a mortgage refinancing. This service is primarily primarily borrowers who received a loan for real estate several years ago during the time when the rate was still high enough. Thus, using the program, it can be reduced to 9.7% per annum. The maximum amount in this case is limited to fifteen million rubles on the mortgage in VTB 24.

"VTB 24" here for a sufficiently long period produces loans for apartments. Therefore, there is a base of selling real estate, for which borrowers are unable to pay. On the purchase of such real estate, the organization provides loans at a rate of ten percent per annum. The minimum amount of the first installment is twenty percent of the cost of real estate.

In the event that they make a mortgage to a new property in the house under construction, it is extremely important to keep in mind that before passing the building commissioning will increase the amount of investment surcharge. Its value is set in size up to 0.6%.

Reviews and discussion of mortgages from "VTB 24" Consider below.

About Mortgage Bonus

Citizens of Russia who have a mortgage loan and they regularly pay monthly payments, may claim to receive funds for urgent tasks. In such a situation, financial institutions are analyzed by customer income, as well as mortgage payments. But, unfortunately, the decision to grant additional money from the bank is not always positive. With the help of a mortgage bonus, this problem is solved. The loan is provided in cash, the conditions are profitable, there is no collateral of real estate and the percentage is not too high.

Objectives of receipt

The innovative banking product "Mortgage Bonus" does not have the status of targeted lending. Money borrower has the right to use completely at its discretion. The Novosel is provided with the opportunity after purchasing housing in the mortgage to repair, acquire building materials. A young family has a chance to buy children's furniture, update household appliancesPaying the garden or school or go on a trip.

Documentation

In order for the design goes to as soon as possible time, and, in addition, without unnecessary problems, it is required not only to carefully examine absolutely all mortgages, but also how to prepare a package of documents. For registration of loans on an apartment, such a package will include two list, namely, the borrower and paper documents for the purchased property.

For traditional mortgage design, the first list, that is, the borrower documents include:

• Compiled statement or borrower questionnaire.
• Passport citizen.
• INN and SNILS.
• Men who are younger than twenty-seven years, you need to present a military ticket.
• A copy of the labor that must be certified by the employer.
• Income certificate for the required form.

Among the documents for Mortgage Credit Bank "VTB 24" should be:

• Documents that certify the identity of the owners.
• Guidelining documentation.
• Extract from EGRN, as well as from the house book.

For the procedure for registration of certain types of mortgages in the VTB 24 Bank, and, in addition, other documentation is required for some categories of borrowers.

Requirements

Before issuing an application for a mortgage, it is extremely important to carefully get acquainted with all the requirements for borrowers. By and large, many of them are identical to those who prevent other financial institutions to customers.

So, the requirements are as follows:

• The age of the client is at least twenty one year.
• At the time of completion of the contract, the borrower should be no more than sixty-five years if it comes to a man, and a maximum of sixty, if it is a woman.
• The overall work experience should be at least one year. And in the last place of work, the experience should be at least four months.
• The borrower should not be a criminal record.
• The borrower must be officially employed.

In the event that, when solving the issue of mortgage design, it becomes obvious that the income of one borrower is not enough, additional persons can be involved. At the same time, their number can reach no more than four people.

We now find out that they tell about mortgage lending themselves borrowers who used the services of a credit institution.

Select a lending program

Mortgage property mortgage for military mortgage with state support Apartment in new building purchase of finished housing

The minimum amount of the initial contribution in%

20 % percent

The sum of the mortgage loan

65 000 000 rubles

Mortgage loan period

252 months

Minimum loan interest rate 12 %

Result of the calculation

• The cost of the property: 4,000,000 rubles,
• The initial contribution of 30% will be: 12,000,000 rubles,
• Credit amount: 950 000 rub.,
• Bank interest rate: 13.8% per annum,
• Loan term: 60 months

• Confirmed monthly income - at least 454 456 rubles.
• Monthly payment (annuity): 181 782 rub.,
• For the entire period must be paid: 43 627 797 rubles,
• Overpayment for credit: 27 627 797 rub.,

Send a preliminary calculation by mail

Loan payment schedule

Public Joint-stock company "VTB 24" formed in 2004 enters international financial group VTB. The basis of his business is the service of individuals, individual entrepreneurs and small businesses.

Dear readers! The article talks about typical ways to solve legal issuesBut every case is individual. If you want to know how solve your problem - Contact a consultant:

Applications and calls are accepted around the clock and seven days a week..

It is fast i. IS FREE!

Individuals Consumer and mortgage lending are available (calculate the mortgage using the VTB mortgage calculator located on the bank's website), car loans, release plastic cards: Debit and credit, deposits. For customers of small businesses and IP - lending and settlement and cash services.

All customers can connect the Bank-Client service and receive part of services around the clock and anywhere in the world.

VTB24 leads active charitable and sponsorship activities. Volunteers in projects are employees of the bank. The Bank supports the institutions of science, education, health, socio-unprotected citizens, cultural and art institutions.

Geography of Bank

The head office is located in Moscow, and in the 72-regions of the country there are 1023 divisions.

Mortgage lending programs

Mortgage from the bank "VTB 24" is 9 major mortgage lending programs. It is possible to calculate the loan to the loan by a mortgage calculator from VTB for a period of 50 years, with an initial contribution of 10% of the property value. When calculating the income calculator for mortgage from VTB, all revenues claimed by you and income of close relatives are taken into account. In the VTB Bank, the calculation of the mortgage is conducted in the following programs:

• Purchase of finished housing;
• Apartment in a new building;
• Victory over formalities;
• Non-target mortgage loan;
• Refinancing mortgage loans;
• Mortgage for military;
• Collateral real estate;
• Freedom of choice;
• Shares with partners.

Attention!

• In connection with frequent changes in the legislation, information sometimes becomes faster than we have time to update it on the site.
• All cases are very individual and depend on the set of factors. Basic information does not guarantee a solution to your problems.

Therefore, free counseling experts work around the clock!

The opportunity to buy an apartment in the event that there is not enough money for it - this is the first and most important advantage of any mortgage lending.

But consider what positive sides Loan secured by real estate offers VTB Bank 24:

• Convenient design. Competent credit experts of the Center for Mortgage Lending VTB 24 will tell you about all the features of the transaction and will answer all your questions.
• Relatively small terms of consideration and approval of the loan.
• Lack of hidden commissions and interest for the transaction.
• Clear treaty with the bank.
• Ability without penalties at any time.
• Preferential conditions for mortgage lending for young families, military personnel, etc.
• The possibility of making a mortgage total in two documents (passport and other, to choose from) in the case of the initial contribution from 35% of the cost of housing.
• Credit in a convenient currency for you: rubles, euro, dollars.
• Loan term up to 50 years.
• Transactions with maternal capital and housing certificates.

In the case of a mortgage loan at VTB 24 Bank, you should pay attention to the following "pitfalls":

• if you provide a loan to 2 million rubles, the initial contribution should not exceed 65% of the cost of housing.
• It should also be borne in mind that it is usually required to be issued on the following insured events: loss of life and / or working capacity of the borrower, loss or damage to the apartment acquired, that is, pledge; Termination or limitation of ownership of the apartment.

In the absence of insurance on any of the items, the percentage of mortgage loan increases by about 1 percent.

A little more than half of the percent, 0.6%, the bank will add to the interest rate if the first installment will be from 10 to 20% of the cost of housing.

Who can get a mortgage in VTB 24?

Mortgage loan at VTB 24 can any borrower who has proven its solvency that meets the requirements of the Bank (see below).

Loan secured by real estate can get:

• Employees of VTB 24 Bank and accredited by the Bank of Companies as well. These categories have loan design benefits. Such clients receive a smaller mortgage percentage and a simplified document flow diagram (no certificate of 2-NDFL is required, enough discharge with bank account).
• Individuals and individual entrepreneurs. To individuals, it is enough to collect documents and submit them to the Department of Mortgage Lending VTB 24, wait for an answer from the bank and to act further in accordance with the recommendations of the specialist. Individual entrepreneurs Maintain a mortgage loan for business real estate in the amount of 4 million rubles for a period of up to 10 years (with the first contribution of 20% of the cost of the room). It is also important that according to this program there is a delay in the payment of the principal debt to 9 months.
• Legal entities. In addition to the above-described mortgage loan for business legal entities can get in the bank VTB 24 settlement and cash services, both in rubles and in other currencies. To be serviced and credited in one bank very convenient for the manager!

Bank programs

VTB 24 provides mortgage loans to different categories of citizens and different conditions. Comparative information about programs is presented in the table.

Procedure for registration

If you want to issue a loan in the center of mortgage lending VTB 24, but do not know where to start, this is a step-by-step instruction:

• First you need to independently or together with a specialist, choose the credit program that appropriate you.
• Next should be applied to the bank.
• Now it's a bank! Get a solution to your loan. Dates of consideration of the application usually do not exceed 3-4 working days. You can find out about the decision you can learn any way convenient for you: by e-mail, in a message on a mobile device or by phone. The credit decision of the bank is valid for 4 months, after which it is necessary to start again from paragraph 1.
• Now the most interesting thing: the choice of an apartment that meets your requests and requirements of the bank. VTB 24 will offer you an excellent base of new buildings and finished housing, in addition, the organization has real estate agencies.
• Conclusion of a contract with the bank.

What is needed in order to take a mortgage in VTB 24?

Obtaining a mortgage in VTB 24 is possible on various conditions, including without providing an income certificate (so-called).

This is a program called "Victory over Formalities".

At the initial contribution of at least 35% or from 50%, the mortgage is granted for up to 20 years, you are placed in the bank only two documents: a passport of a citizen of the Russian Federation and to choose from: SNILS (certificate of compulsory pension insurance) or a copy of the driver's license.

In addition, the Bank offers families with two or more children, to get a mortgage loan for special conditions.

Thus, the family-owners of the maternal (family) capital can spend help from the state to pay the first contribution for residential premises, as well as send funds to repay the WTB Bank's mortgage loan 24.

For registration of the transaction, additional documents will be needed:

• Certificate for maternity capital;
• Help from the Pension Fund of the Russian Federation on the balance of funds on the account.

Immediately after the loan, contact Pension Fund In order to direct the maternity capital to repay / partial repayment of the mortgage loan.

Housing certificate issued within any state program Aid also makes it possible to pay off a part of the debt or cover the initial contribution.

Documents must be provided to the bank before the start of the search for suitable housing.

But for other programs list necessary documents somewhat wider:

• Passport;
• A copy of the second document by which you can make sure your personality;
• Documents confirming income and work experience (Help 2-NDFL or in the form of a bank);
• Certified by the employer a copy of the employment record (all pages);
• Information about the assets available from the borrower.

Full other and details on this item can be found in the VTB 24 mortgage lending department or by calling hot line bank.

Basic requirements for borrowers

The bank issues loans to persons who have a common work experience of at least a year, when changing work - more than a month since the end of the trial period.

The age of the borrower should be from 21 to 60 years.

In the event that the borrower is married / married, it is required that the spouse / spouse is a coacher or have a consent to mortgage lending (if there is a marriage treaty, which can also be submitted to the bank).

Objects suitable for implementing programs

VTB-24 Bank does not impose too complex real estate requirements, but is always ready to help find a suitable apartment.

Mortgage can be purchased:

• housing (new buildings), for this there are special bank programs;
• accredited objects whose catalog can be found on the bank's website;
• secondary housing, the choice of which is always huge;
• rooms;
• at home (you can build a house with the help of the program "Neumal Mortgage" or buy ready);
• earth;
• garage, although it is not the object of the residential foundation.

Terms of approval

Terms of credit approval usually do not exceed 3-4 business days.

According to the "Light Light VTB 24" - no more than 24 hours.

What if the bank refused mortgage?

It happens that in the mortgage the bank refuses.

This happens for several reasons:

• Bank experts considered that your income is not confirmed or opaque;
• You do not have a permanent source of income, and the fact that it will appear, it is unlikely and does not cover the risks of the credit institution;
• Your income is too small to pay a mortgage loan.

In order for the bank to approve you great amount, You can attract in the co-coaches of the nearest relatives: parents, children, brothers and sisters.

You can make a mortgage loan on the spouse / spouse, and to come up with the coacher.

In case of disputes with the bank, you can contact the arbitration court.

Judicial practice suggests that such cases are always solved objectively and in a timely manner.

Customer opinion about VTB-24

You should always treat the creditor to choose carefully, because with the right decision, time, money and nerves are saved.

On official websites, many customers share their impressions of cooperation with different financial institutions.

Their opinion will help to give an objective assessment of the bank.

Positive moments Works VTB-24:

• convenient application for consumer credit, quick review (online);
• understandable terms of contract and payment schedule;
• efficiency and high qualifications of call-center employees;
• positive service quality dynamics;
• low interest rate;
• connecting or disabling insurance at any time without loss of money;
• no phone numbers are required, friends;
• do not write off extra money;
• timely arrival of SMS notifications about the amount of the next payment;
• early repayment Loans does not cause difficulties.

To customers who have become insolvent due to life circumstances, the VTB-24 Bank specialists continue to relate politely, do not rude.

Employees enter the person's position and offer possible options Out of this situation. If necessary, remove the fines, penalties to a minimum.

However, any financial institution has its flaws. VTB-24 Bank is no exception.

Negative reviews about the organization:

• long term consideration of the application;
• with early debt repayment, you have to go to the office;
• if the client has financial obligations In front of another bank, where, due to the technical failure, a commission was made prematurely, problems with the issuance of a loan may arise;
• additional financial costs in the design of loans associated with the technical failures of the terminal;
• VTB-24 does not always inform about the decision on a loan application;
• when making a non-target mortgage, false information may be provided credit history bona fide borrower;
• it is dangerous to take a loan if salary comes to the card. Technical malfunctions and untimely payment of debt due to the fault of the Bank's employees will lead to the fact that money is removed from the client.

At the occurrence insurance case (Permanent full disability loss as a result of the disease) The organization ignores the client's notifications about what happened by phone and in writing, and also does not respond to requests to enroll the remaining funds from the insurance company.

VTB-24 continues to demand a pay.

In such a situation, you should contact the management or send documents on the consideration of the issue in the following instances:

• Central Bank of the Russian Federation;
• Rospotrebnadzor;
• Association of Russian Banks;
• Prosecutor's office (as a last resort).

Mortgage Sberbank or VTB 24 - what preferred?

The answer to this controversial question, each borrower can give for himself, comparing all the conditions and features of the loans of both banks.

Sberbank and VTB 24 are not inferior to each other in reliability.

Here are some comparison items:

• Sberbank provides benefits to young families, VTB 24 - no.
• The approval of the loan in VTB 24 occurs for 3-4 business days, in Sberbank - in 7 days.
• Sberbank credits customers for up to 30 years, VTB 24 - up to 50 years.
• VTB 24 accepts applications online, there is a credit calculator on the site.

Favorable Mortgage VTB 24 is capable of quickly and efficiently solve all your housing problems!

Not everyone is available to buying their own housing, so target lending programs are in great demand among Russians. Mortgage VTB Bank attracts potential borrowers favorable conditions, low rates. The Issuer offers several different lending programs designed for different categories of citizens. An important point It is an impeccable reputation and reliability of the bank and special conditions for military personnel, salary clients, employees of the budget sector.

Mortgage programs VTB in 2017

Such a view banking productsAs mortgage has its own characteristics. The loan is provided to purchase real estate after receiving the mortgage bank. Mandatory condition Transactions is the provision. As it, the Issuer under the Pledge Contract is transferred to the apartment that the borrower or an object is plans to buy a client. The property is subject to insurance in one of the accredited VTB 24 companies.

The line of mortgage programs of this bank is represented by the following products:

• apartments in a new building;
• secondary market;
• non-target mortgage loan;
• refinancing mortgage loan;
• military.

Regularly Bank offers Russians new programs, special conditions for some categories customers, stocks. You can get a loan to under construction or ready accommodation in high-rise buildings. It is also possible to issue a non-target loan that does not provide reports. Compensate the initial fee can be with funds maternal capital (in the presence of). Below are described in detail the popular programs of this financial institution.

New buildings in mortgage from VTB

The presented product is distinguished by the fact that the loan is issued to a borrower strictly to buy an apartment in houses under construction. Cash The issuer translates to the account of the developer's company after which the customer's property is transferred to the Bank under the contract of collateral. This option to buy housing is beneficial in that the cost of objects is significantly lower than prices in the secondary market. However, the client will not be able to call in purchased real estate, while the developer will not pass the house.

For secondary accommodation

When making a loan to the finished apartment from VTB 24, lending conditions are no different from the previous program. but maximum limit, the percentage of approval of the application, the individual parameters of the transaction depend on the liquidity of the acquired real estate. The object is subject to an assessment of experts, which is carried out at the expense of the client. It is important to choose an accredited appraisal company, the list of which for Moscow, St. Petersburg and the regions is on the official website.

For a private house in VTB 24

A special program that would allow the borrower to buy a cottage or a private house with a section of the bank is not provided. However, the applicant may issue an inappropriate loan on the security of the available property. The features of the loan is what to send borrowed funds It is not only possible to buy a finished object, but also for construction, because the issuer does not require reporting on the targeted use of the amount provided.

Mortgage lending conditions in VTB 24

Parameters loan agreement Depend on the selected program, the category of the client, the size of the initial contribution and other things. Mortgage in VTB Bank is provided in the domestic currency, for up to 30 years. Maximum size The loans depends on the cost of the purchased apartment and the category of the client, but may not exceed 60 million rubles. It is important to take into account that all mortgage lending programs provide for the transfer of property to the Bank under the deposit agreement. The encumbrance is removed from the object after paying all the debt and the closure of the loan agreement.

With state support

This financial institution offers Russians a special lending program with state subsidy. Support is provided in the form of compensation of interest under the contract. The main condition is that the loan is issued strictly to buy an apartment in a new building (ready or housing under construction). The loan is provided without additional commissions.

Mortgage VTB with state support is provided on following conditions:

• purpose: buying housing in new buildings or apartments in the house under construction;
• fixed interest rate: 11.4%;
• national currency;
• loan term: up to 30 years;
• minimum contribution: 20% of the cost of purchased housing;
• amount: from 600 thousand to 8 million rubles;
• supplemental insurance is defined.

Without the initial contribution

Almost all mortgage programs of the Bank provide for the minimum contribution. However, borrowers are available for refinancing of an existing loan or a non-targeted mortgage loan. For these programs, it is possible to design without the first installment, but the rate will be increased. A mortgage is provided from VTB in the amount of up to 15 million rubles. The interest rate is calculated individually from 11.25-12.25% per annum.

Secured by real estate

Not only purchased apartment, but also its own property applicant can be providing a mortgage loan. The real estate must be in the region of the presence of the Bank's divisions. Lending conditions at the same time differ significantly from standard programs:

• amount: 600 thousand-15 million rubles;
• term: up to 20 years;
• interest rate: from 14.6% per annum.

How to calculate mortgage VTB

On the official website, all applicants can roughly calculate the future loan. To obtain an approximate monthly payment and overpayment, you need to specify the following parameters of the future transaction:

1. Is the applicant to the issuer's salary client.
2. Type of acquired object.
3. Area (less or more than 65 square meters. Meters).
4. The number of documents that the applicant is ready to provide the Bank.
5. The amount of loan.
6. The size of the initial contribution.
7. Loan terms.

Interest rate on mortgage in VTB 24

The most important condition for all potential borrowers who plan to issue a large loan is overpayment. What percentage of mortgage in VTB 24 will have to pay the client, will depend on many factors. The most attractive conditions are available to salary customers of the Issuer. Comprehensive insurance It is not mandatory, but helps to reduce the rate (with refusal of it, the overpayment increases by 1%).

An initial fee

Mortgage VTB is provided on different conditions to each client. An important point is the presence of a first contribution. Not only the final overpayment of the loan depends on it, but also the likelihood of approval of the applicant's application by the issuer. Different types Mortgage loans VTB 24 provide the minimum amount of the first contribution from 10% to 40% of the cost of housing. Below is a table with the conditions.

Minimum mortgage amount in VTB 24

Target Credit For the purchase of real estate provides for the minimum amount. For all mortgage programs of this financial institution, the loan is issued from 600 thousand rubles. If the loan is made on refinancing the available loan, its size depends on the customer's debt residue. The maximum size depends on the cost of purchased real estate.

Mortgage Calculator VTB 24 online

Before applying for a loan, you should estimate the burden on the budget and find out the amount of overpayment under the contract. On the official website of the financial institution, you can compare the parameters of different programs and choose the most suitable option for yourself. There is a special mortgage calculator. This tool instantly calculates the size of the monthly payment, interest rate, final overpayment under the contract.

For calculations, you need to specify the following:

• housing type;
• loan terms;
• category of the borrower;
• the size of the first installment.

The calculator helps to determine what time the applicant is more convenient to make a loan and which contribution to decrease overpayments. It is important to take into account that the data obtained are approximate and may differ from those that offer the bank after consideration of the applicant's application. To obtain more accurate information, it is recommended to contact the contact center by telephone or from bank employees in the department (when issuing a loan agreement).

How to take a mortgage in a VTB Bank 24

If the applicant chose the appropriate option from all the issuer's proposals and decided to make a loan, it can start the procedure. A preliminary application for a mortgage of VTB 24 may be issued through the official website or the nearest bank branch. Consider appeals up to 5 business days, after which the applicant receives a notice from the bank. If the application was approved, then contact the office for the conclusion of the contract is needed no later than 122 days after that.

The client's apartment may choose independently or take advantage of the basic of accredited issuer developers. Mortgage VTB is issued after the Bank get acquainted with real estate documents. The object must comply with the requirements of the financial institution. In addition, the potential borrower must comply with the Bank's criteria and collect the package of necessary documents. The Issuer may refuse to provide a loan due to an incomplete set of papers or errors made when filling.

Mortgage in the VTB 24 Bank is issued after the transfer of real estate to the Bank under the Pledge Contract. Cash financial organization Transfers to the seller's apartment or company of the developer. The borrower has the right to use real estateBut they can not dispose of the entire period of the loan agreement. The credit period is made by mandatory insurance of the apartment from the destruction and fires at the expense of the client.

Requirements for the borrower

This bank It is the largest and reliable in Russia. However, it is important to remember that Mortgage VTB is available only to those applicants who meet the strict requirements of the Bank. To get a housing loan, you need to consider the following rules:

1. The borrower must have Russian citizenship or official confirmation of legal stay in the country and employment.
2. Application for credit can applicants over 21 years old. The maximum age of borrowers who are interested in Mortgage VTB should not exceed 60 years (for women), 65 years old (for men). However, in some cases, the issuer allows lending to persons to 75 years. The maximum age is taken at the time of the full repayment of the debt and the closure of the contract.
3. Work experience of a potential borrower should be at least 1 year, from 3 months at the last place of work.
4. The solvency of the client is important. Income must exceed monthly loan payments.
5. Provides loans strictly with guarantors or coaches. Their income is taken into account when assessing the solvency of the applicant.
6. Lending persons with a corrupted credit history are not allowed.

Documents for making mortgages in VTB

To begin the procedure for making a mortgage loan, you must submit the following documents:

1. Passports of the borrower, coacher (or guarantor).
2. Filled application.
3. Pensioner's ID.
4. A copy of the employment contract (or employment record).
5. Military ID (providing men of recruiting age).
6. Revenue confirmation: Help 2 NDFL / in the form of a bank / extract from the bank account of the applicant.
7. Documents for purchased real estate.
8. Documents from the insurance company.

Conclusion of the mortgage agreement

Before the bank lists money to the client's account (or real estate seller), the parties conclude a contract. The document reflects the subject of pledge, contact details, responsibilities and rights of the transaction participants. Real estate, which is transmitted to the bank under the contract of collateral, must have a specific value. In addition, the contract contains data on the rights of the borrower to property and the organization, which recorded the fact of the transfer of housing in pledge.

Important points mortgage contract:

1. Issuer's rights.
2. Responsibilities of the borrower.
3. Insurance.
4. Debt repayment schedule.
5. Information about additional commissions, fees.
6. Terms of termination of the transaction.
7. Sanctions, fines.
8. Force majeure situations and ways to solve them.

VTB 24 - early repayment of the mortgage

Paying a loan borrower should strictly according to the schedule. For these purposes, you can use:

• departments of the bank of the Issuer;
• terminals / ATMs;
• services of third-party financial institutions.

If desired, the borrower can repay a part or the entire balance of debt ahead of schedule. To do this, apply the appropriate statement. Partial payment is made on the day of debiting a monthly payment on schedule. Full repayment It is carried out on any working day, it is previously necessary to clarify the amount of debt balance. After payment, you need to get a new payment schedule or close the contract and remove imported real estate.

Video: Mortgage loan in VTB