Mortgage calculator Nomos Bank - calculate the amount of the mortgage online. Mortgage in FK opening (former

Nomos Bank is one of the largest banks in Russia. This year it acquired a new name - the bank " Financial Corporation Opening". Among private banks in Russia, Nomos-Bank (FC Otkritie) ranked first in terms of its own assets, and fifth among all Russian banking corporations. Mortgage is one of the areas of lending at Nomos Bank. The bank's mortgage program consists of seven options, you just have to choose the best alternative that suits you.

Platforms mortgage lending:

• buying an apartment in the primary and secondary real estate markets;
• acquisition of other real estate secured by existing housing;
• mortgage loan reinvestment;
• buying a house with land;
• loan with a down payment;
• overhaul.

Loan from Nomos-bank for an apartment

It is possible to purchase not only the entire apartment on secondary market real estate, but also part of it. The loan is given only in rubles with an initial payment of 10%, term loan agreement 30 years.

Loan for the purchase of an apartment under construction

With Nomos Bank, you can purchase housing on the primary real estate market with a mortgage. You can take out a loan for new apartment in a new building at all stages of construction (both in the process and in the state of commissioning). But the developer must be approved by the bank. This fact gives you additional guarantees that the house will be completed. There is a 20% down payment here.

Purchase of other real estate on the security of existing housing

A loan agreement is executed on the security of real estate already owned by the borrower. It is worth noting that with borrowed funds you can purchase any apartment in a new building from any developer, real estate on the secondary market or its share, you can also finance the construction of a private house.

Mortgage Refinancing Loan

If you already have a mortgage loan, you can change the existing conditions to more favorable ones: change the loan term, amount, interest rate, etc. You can also take out a loan in excess of the mortgage balance to spend the excess money, for example, on repairs.

Buying a house with land on credit

Possibility of buying a house land plot within the city or countryside.

Down payment loan

The loan is issued to pay the down payment on mortgage loan. Collateral refers to housing that is already owned by the client.

Loan for capital repairs

Provided on the security of own real estate, used to pay overhaul the object of pledge or other work to improve it.

Mortgage calculator at Nomos Bank

If for some reason you do not have time to visit a bank branch for a consultation, and you really need a mortgage, then there is an opportunity to use it for all Nomos-bank clients mortgage calculator online.

To do this, you need to decide on:

• the size of the amount, which varies from 20,000 to 20,000,000 rubles;
• interest rate (3-30%);
• loan term (6 - 360 months).

Anyone who wants to calculate the amount of a mortgage in Nomos Bank with an online calculator is given the opportunity to: see the amount of the monthly payment, the amount of the overpayment, the total cost, the percentage of the overpayment, the total amount of payments. In the schedule of monthly payments on the loan, you can immediately see the monthly payments, the calculation of interest by months, the monthly balance of the loan.

Basic requirements for a Nomos-bank borrower:

• citizens or tax residents of the Russian Federation;
• temporary or permanent registration in the Russian Federation;
• have at least 3 months of work experience at the current place of work;
• total experience of 1 year;
• age group of clients from 18 to 65 years (as of the loan repayment date);
• The borrower must have a stable income.

List of documents for obtaining a mortgage in Nomos-bank:

• application form;
• a copy of all pages of the passport;
• military ID (men under 27);
• a copy of the driving license;
• a copy of documents on family composition and marital status;
• copy work book, which is certified by the employer;
• certificate of income 2-NDFL;
• documents on the borrower's existing loans in other banks.

It should be said that we are very attentive and loyal to our customers. When contacting the bank for mortgage issues, a personal manager will work with the client, who will help you choose the best option, discussing all the nuances. The bank does not charge additional commission for what he considers loan application. A loan can be obtained not only by a Russian citizen, but also by a foreigner who is a tax payer in the Russian Federation. You can buy real estate in any region, and not just at the location of the bank.

Mortgage, Nomos Bank

The NOMOS bank loan calculator can calculate a loan, find out the interest rate and loan conditions for today for individuals. Do you want to take a consumer loan from NOMOS Bank in 2020? Use the free loan calculator from the official website to calculate the loan! Cash loans are available through the bank's branch network. Choose one of the options consumer loans and evaluate how profitable and convenient it is.

The loan repayment calculator will help you calculate online:

• payment amount with interest
• payment amount for loans early repayment,
• payment amount for loans with partial early repayment.

You can also view, download and print the calculation result with a monthly payment schedule.

Lending terms

• Purpose of the loan for personal consumption
• Loan currency Russian rubles
• Min. credit amount 30 000
• Max. credit amount 5,000,000 if you receive a salary in a bank account
• Credit term from 3 months to 5 years
• Issuance fee no loan
• Loan security not required

Interest rates

• Special conditions- if you receive a salary or pension in a bank account from 12.9% to 18.9%
• General terms from 13.9% to 19.9%

The mortgage interest rate section is updated weekly.

Enterprises and organizations are participants in salary projects, and their employees are owners salary cards which makes it easier to apply for a loan.

Calculator credit loan will calculate:

• for payroll card holders,
• for natural (private) persons,
• for pensioners,
• for legal entities,
• for IP.

The conditions for granting a loan depend on the purpose of the loan, the goals of the borrower and determine required package borrower documents.

Loans can be taken:

• cash,
• for development small business,
• to buy a car (for a car),
• to buy a home,
• on the home construction,
• for refinancing,

We wish you a pleasant calculation and the most favorable conditions.

Comprehensive risk management, optimization organizational structure allow the bank to provide consumer loans on favorable terms for customers. The priority regions for the bank are the regions of Moscow, St. Petersburg, Tyumenskaya, Novosibirsk region and Khabarovsk Territory.

The bank offers soft conditions for obtaining a consumer loan, a loan of up to 800 thousand rubles can be obtained without a guarantee.

Nomos Bank is part of Russia's largest banking group. Most recently, it received a new name - the bank "Financial Corporation Otkritie". The financial institution was founded in 1993 and is the parent organization of its credit and financial group. Among private banking groups In Russia, the Nomos Bank Group (FK Otkritie) ranks 1st in terms of its own assets, and among all Russian banking corporations it ranks 5th. Nomos Bank received its new name in June of this year. Branch network The bank has 879 representative offices located in 57 major Russian regions. The bank's financial products are designed to meet the needs of corporate clients, and individuals. Mortgage is also actively developing in Nomos Bank. In particular, potential borrowers It is proposed to choose the program that suits you from 7 options. These are loans for:

• buying an apartment;
• purchase of an apartment under construction;
• purchase of other real estate secured by existing housing;
• mortgage loan refinancing;
• buying a house with land;
• an initial fee;
• overhaul.

Mortgage conditions at Nomos Bank

Loan for the purchase of an apartment

The loan is intended for the purchase of an apartment in the secondary real estate market. It is also possible to purchase not the entire apartment, but a share of the right to own it. It should be noted that the interest rate may be higher than indicated, depending on the insurance package and confirmation of the borrower's solvency. The terms of the mortgage are as follows:

1. loan currency - only rubles;
2. initial payment - from 10%;
3. the minimum percentage is 11.75%;

Loan for the purchase of an apartment under construction

This loan is issued for housing in a new building, which is both under construction and in a state of readiness for operation. It is worth noting that the developer involved in the construction of the mortgage object must be approved by the bank. Borrowers can use the joint program of Nomos Bank and Donstroy, according to which a loan with a low interest rate is provided for the purchase of an apartment from Donstroy, which is valid for the first two years of lending. In general, the terms of the mortgage are as follows:

1. loan currency - only rubles;
2. initial payment - from 20%;
3. minimum percentage - 11.75% (after the transfer of ownership);
4. the maximum borrowing period is 30 years;
5. the minimum amount of a mortgage loan is 500,000 rubles;
6. the maximum amount of a mortgage loan is 30,000,000 rubles;
7. refusal to insure the property and solvency of the borrower increases the interest rate.

Loan for the purchase of other real estate secured by existing housing

This loan is secured by real estate already owned by the client. With borrowed funds, you can purchase an apartment in a new building from any developer, real estate on the secondary market or its share, you can also finance the construction of a private house. The terms of such a mortgage from Nomos Bank are as follows:

1. loan currency - only rubles;
2. minimum percentage - 12.75% (after confirmation designated purpose expenses);
3. the maximum borrowing period is 30 years;
4. the minimum amount of a mortgage loan is 500,000 rubles;
5. the maximum amount of a mortgage loan is 30,000,000 rubles;
6. refusal to insure the property and solvency of the borrower increases the interest rate.

Mortgage Refinancing Loan

This loan will help those who are already paying mortgages to change existing conditions to more favorable ones. This may be a change in loan terms, amount, interest rate, etc. You can also take out a loan in excess of the mortgage balance to spend the excess, for example, on repairs. Nomos Bank issues loans for refinancing on the following terms:

1. loan currency - only rubles;
2. coverage - from 20% to 80% of the value of the collateral;
3. the maximum borrowing period is 30 years;
4. the minimum amount of a mortgage loan is 500,000 rubles;
5. the maximum amount of a mortgage loan is 30,000,000 rubles;
6. refusal to insure the property and solvency of the borrower increases the interest rate.

Loan to buy a house with land

This loan allows you to purchase a house with a land plot, both within the city and outside the city. For employees of corporate clients of the bank are provided preferential terms lending. The general possibilities of such a loan are as follows:

1. loan currency - only rubles;
2. initial payment - from 30%;
3. minimum interest - 12.75% (after re-registration of collateral in favor of the bank);
4. the maximum borrowing period is 30 years;
5. the minimum amount of a mortgage loan is 500,000 rubles;
6. the maximum amount of a mortgage loan is 30,000,000 rubles;
7. refusal to insure the property and solvency of the borrower increases the interest rate.

Down payment loan

This loan is issued to pay the down payment on a mortgage loan. The collateral is the property already owned by the client. The loan terms are as follows:

1. loan currency - only rubles;
2. coverage - from 20% to 80% of the value of the collateral;
3. minimum interest - 11.75% (after re-registration of collateral in favor of the bank);
4. the maximum borrowing period is 30 years;
5. the minimum amount of a mortgage loan is 500,000 rubles;
6. the maximum amount of a mortgage loan is 30,000,000 rubles;
7. refusal to insure the property and solvency of the borrower increases the interest rate.

Loan for capital repairs

This loan, provided against the security of own real estate, can be used to pay for the overhaul of the pledged object or other work to improve it. The terms of this loan are as follows:

1. loan currency - only rubles;
2. coverage - from 20% to 60% of the value of the collateral;
3. the minimum percentage is 15%;
4. the maximum borrowing period is 30 years;
5. the minimum amount of a mortgage loan is 500,000 rubles;
6. the maximum amount of a mortgage loan is 30,000,000 rubles;
7. refusal to insure the property and solvency of the borrower increases the interest rate.

Requirements for the borrower of Nomos Bank

• citizen or tax resident RF;
• registration (temporary/permanent) in the Russian Federation;
• work experience for current work from 3 months;
• total experience of 1 year;
• the age of the client is from 18 to 65 years (as of the loan repayment date);
• having a permanent income.

Documents for obtaining a mortgage at Nomos Bank

• application form;
• copy of passport (all pages);
• military ID (men under 27);
• a copy of the driver's license;
• a copy of documents on marital status and family composition;
• a copy of the work book certified by the employer;
• certificate of income 2-NDFL;
• documents on other loans of the borrower.

A mortgage allows almost anyone to purchase a good home without having to save the required amount for many years. However, now the choice of banks offering this service, is really diverse, which significantly complicates the choice for borrowers. One such organization is Nomos Bank.

To understand how its offers differ from the services of other lenders, it is worth studying to whom and under what conditions a mortgage is offered at Nomos Bank.

This credit institution is distinguished by its approach to customer service. Some conditions for obtaining a mortgage and lending itself differ significantly from the requirements of other banks, mostly in a positive direction.

And in particular:

• Mortgage application can considered up to three days;
• Each of the potential borrowers a separate specialist is assigned to supervise this loan;
• You can apply for a mortgage on real estate in any region;
• You can choose any builder.

Benefits of lending at Nomos Bank

It is worth considering each of these advantages in more detail in order to clearly understand how it differs from the offers of other lenders.

Three days for application review

This is an obvious plus for the lender, since in other banks applications for a loan can be considered from several weeks to a month.

Moreover, not from the moment of application, but only after the provision of a complete package of documents. This efficiency is more convenient for any client.

Dedicated manager

Usually, in credit institutions, when applying for a mortgage, one manager can serve several borrowers at the same time, which makes the process much slower.

Buying a home in any area

Basically, lenders put one of mandatory conditions execution of a contract for the purchase of housing in relative proximity to the bank in which the mortgage is taken.

This is necessary because:

• It is easier to assess the value of mortgaged property;
• If the client cannot repay the loan, the lender will have to sell mortgage apartment to recover your losses. And it's easier if it's close to the bank;
• In general, it is easier to service a loan.

This approach is convenient for lenders, but borrowers have to significantly narrow the field of choice. But Nomos Bank allows the purchase of real estate in any region of Russia.

Free choice of builder

In most large Russian banks, the client can only choose real estate from a developer who is on the list of accredited construction companies of the bank.

There are several reasons for this:

• Accredited developers give a certain percentage to the bank for buying an apartment from them on a mortgage from this lender;
• Banks choose trusted construction companies, so both the borrower and the lender will be sure of its reliability.

However, this also makes it difficult for the borrower to choose an apartment. Nomos Bank will be allowed to choose absolutely any construction company.

Mortgage conditions in Nomos Bank

Nomos Bank is distinguished by more favorable mortgage terms. Here are the basic requirements that apply to all lending programs at the bank. More detailed information will be indicated in the list of conditions for a particular type of mortgage.

And the conditions of Nomos Bank are as follows:

• The payment amount, with an annuity type of lending, can be up to 60% of the borrower's income. Usually lenders do not allow clients to make contributions of this size, as in this case you may actually be left without enough money to live on. But Nomos Bank lets you work it out for yourself;
• The first loan installment is at least 10% of the loan amount. Due to distrust of borrowers, most Russian banks require a large down payment. Usually its value reaches 30-50% of the loan amount;
• The maximum loan amount can be 30 million rubles, and the minimum - 500,000 rubles. This is due to the fact that Nomos Bank is designed to issue large loans;
• A loan can be issued in any currency convenient for you, despite the fact that most Russian banks do not allow this.

Mortgage lending at Nomos Bank

Requirements for the borrower

One of the main features of Nomos Bank is that not only a citizen of Russia, but also of any other state can become a borrower. It is only important that a person be a resident of the Russian tax service and paid taxes on the territory of the Russian Federation.

In addition, these categories of citizens can take a mortgage:

• Entity;
• Individual;
• Individual entrepreneur.

However, individual entrepreneurs or legal entities can count on a mortgage in this bank only if their business has been successfully operating for more than two years.

Related video:

Other requirements of the lender include the following:

• Availability of temporary or permanent registration on the territory of the Russian Federation;
• At least three months of work at the last place of employment;
• Total work experience of at least one year;
• At the time of registration of the mortgage, the client must be 18 years old (usually in other banks, a mortgage is issued from the age of 21);
• At the end of the loan term, the client must not be more than 65 years old;
• The borrower must have a regular source of income.

However, despite the rather loyal requirements of the lender to their borrowers, there are also categories of citizens who are not issued a mortgage.

These people include representatives of the following professions:

• Waiter or bartender;
• Bodyguard;
• An employee of an unregistered company;
• A person who works for an unregistered individual entrepreneur.

List of required documents

When applying, a potential borrower must provide a certain package of securities for consideration by the lender.

These documents must confirm your social status, income and so on. These include:

• Identification;
• Military ID (for male borrowers, over 27 years old);
• Papers that confirm your qualifications and higher education;
• Copy employment contract and work book;
• Certificates of marriage, birth of children and marriage contract;
• Help on 2-personal income tax, to confirm income;
• To confirm the presence additional income you can provide relevant agreements and so on.

Mandatory documents for consideration of the application in Nomos Bank, as well as additional terms mortgage

Foreign citizens must additionally provide their visa, permission to work in the Russian Federation, as well as confirm registration and the right to temporary residence in Russia.

For individual entrepreneurs and legal entities must bring the following documents:

• Company tax returns;
• Company reporting for 2 years of work;
• If you hold a managerial position in a company, you will have to bring an extract from the register, which states that you are not the founder of the company.

In addition, at the bank branch you may be asked to bring additional papers. So a frequent request is to provide documents stating that you have current debts on loans. Thus, the employee will be able to calculate for you optimal size monthly payment that will allow you to pay both loans at the same time.

Mortgage for business in Nomos Bank

Mortgage programs at Nomos Bank

For a clearer understanding of what Nomos Bank has to offer its potential borrowers, it is necessary to study and compare its various mortgage lending programs.

Mortgage lending at Nomos Bank is distinguished by an abundance of advantages and minimum list requirements. The borrower can apply for a loan of 30 million rubles, along with this, even without being a citizen of Russia.

Buying your own home is not an easy task, and for many Russians it is completely impossible without the involvement of borrowed money. In view of this, mortgages are one of the most popular lending formats in 2018 as well. Some are interested in the conditions under which a mortgage is issued at Nomos Bank, to whom it is available and what is required for registration.

Do Nomos Bank issue mortgages?

Before you get interested in the terms of lending, you need to find out if there are mortgage programs in Nomos Bank. Let's just say that for today credit institution not under that name. Back in 2012, Nomos Bank was renamed Otkritie Bank. Other banks joined it, for example, Petrocommerce and the Khanty-Mansiysk Bank. Therefore, it is more correct, speaking about Nomos mortgage, to still call the institution FC Otkritie.

In Otkritie Bank itself, mortgages are issued under several programs at once. Customers also have access to debit and credit cards, deposits, consumer loans. There are also special terms of service and programs for business representatives.

Mortgage programs of FC Otkritie

Otkritie Bank has developed a whole range of mortgage programs for its borrowers. Special conditions are provided for the military and families with maternal capital on hands.

By the way, Otkritie Bank (Nomos Bank) is now offering special profitable terms by mortgage. Rates are reduced until July 31, 2018.

For all categories of customers there is an opportunity to purchase own apartment for 2 programs - "New building" and "Apartment". The second allows you to purchase housing on the secondary market. It is noteworthy that the rates for these programs are the same - from 8.7% per annum. And to get it, you need to fulfill a number of requirements:

• the amount of the first installment is not less than 50% of the cost of the purchased housing;
• mandatory provision of a certificate of income in the form of 2-NDFL or an extract from a salary account (and if there is a co-borrower, he must also provide such information);
• the client agrees to take out title, property, own life and disability insurance.

An additional requirement under the Novostroyka program is a mortgage for up to 5 years. If the stated requirements are not met, the interest rate will be significantly higher. In general, the conditions for the programs are as follows:

All programs involve the issuance of money exclusively in rubles. Foreign currency mortgages are not issued by Nomos Bank (FK Otkritie).

Moreover, the programs have their own characteristics, which you should familiarize yourself with even before contacting the bank.

Interest rate surcharges

For all programs except military mortgage floating rates are provided, determined for each client individually on the basis of an assessment of his solvency. For the military, the rate is uniform - 9.00% per annum. In other cases, the percentage can be increased if:

• the client does not receive a salary in this bank (+0.25%);
• at least one borrower brought a certificate of income in the form of a bank, and not 2-personal income tax (+0.25%);
• at least one borrower is an individual entrepreneur, business owner or co-owner (+1.00%);
• the client refuses to insure the risk of loss of ownership of real estate (+2.00%);
• the client does not take out personal life and disability insurance (+2.00%).

Ultimately, the mortgage rate may increase by another 5.5% per annum. And if the client can take out insurance at the time of the conclusion of the transaction, then there is no way to change his life circumstances.

Refinancing

FC Otkritie (Nomos Bank) is currently refinancing mortgages at a rate of 8.7% per annum. However, it is not valid for everyone. By the way, until the registration of a mortgage, the rate automatically increases by 2% per annum, that is, it is at least 10.7% per annum.

A prerequisite for refinancing is intended use funds - the money must go to pay off the mortgage in another bank. No other loans are eligible for this program.

Additionally, the bank limits maximum amount issued funds. Its size depends on the price of the property. The minimum is 20% of the cost, and the maximum:

• 90% for payroll clients;
• 80% - if at least one of the borrowers can confirm the level of income only with a certificate in the form of a bank;
• 85% - upon confirmation of income by a 2-personal income tax certificate by all borrowers.

The collateral for such a loan is an apartment, which was bought with money on a refinanced mortgage.

Requirements for the borrower

If a person wants to get a mortgage from Nomos Bank (FC Otkritie), he must meet the stated requirements:

1. Russian citizenship - the bank does not provide programs for foreigners;
2. age from 18 to 65 years;
3. the presence of registration in the country (at least temporarily);
4. having a permanent job for at least the last 3 months;
5. total work experience for 5 recent years- not less than 1 year.

Additionally, an individual entrepreneur or legal entity must have been registered in the country for the last 2 years.

The same requirements apply to co-borrowers. By the way, the spouse certainly acts as a solidary co-borrower, an exception is if otherwise provided by the existing marriage contract. Co-borrowers can also be close relatives, such as children or parents, brothers and sisters.

FC Otkritie does not lend mortgage programs separate categories persons. For example, bodyguards, bartenders, waiters, employees of casinos and gaming clubs, poker clubs and others will not be able to get money to buy an apartment.

Required documents

A client who satisfies the stated requirements can apply for a mortgage at Nomos Bank, subject to the provision of a complete package of documents. You will need:

• Russian passport;
• a copy of the work book certified by the employer (in case of receiving a salary from the bank - an employment contract);
• income statement for the last 6 months or actual hours worked, but not less than 3 months for payroll clients.

All documents are carefully studied by a bank specialist. He may require other supporting papers in individual cases.

Solvency assessment

To maximize the chances of approval, the borrower must prove to the bank that they are solvent. When evaluating a client, specialists of a financial institution evaluate:

• level wages(moreover, premiums and other allowances are included in the final amount);
• income from other types of work (part-time, entrepreneurial activity, rent, pension).

Attention is also paid to the condition credit history, timeliness of repayment financial obligations in the past. How to verify your income depends on the type of activity. Help 2-NDFL is universal documents for employees of organizations. Entrepreneurs provide tax returns, accounting and financial reporting.

Mortgage registration

FC Otkritie is one of the few banks offering its customers almost all remote registration mortgages. For this you need:

By the way, today the bank has implemented the ability to send an application for a mortgage not only from a computer, but also from a smartphone.

Nomos bank online mortgage calculator

FC Otkritie (Nomos Bank) has developed an online mortgage calculator with which you can calculate the preliminary parameters for the program you like.

Working with it is convenient and simple due to the intuitive interface. To calculate the parameters of a future mortgage, you need:

1. select the program at the top of the calculator;
2. set the loan amount (not how much the property costs, but how much money is required from the bank);
3. set the amount of the first installment;
4. choose a loan term.

The system will automatically recalculate the amount of the monthly payment and the interest rate. Additionally, the bank indicates the amount of the required minimum income. This is very convenient, since the client can pre-select the optimal terms and amounts in accordance with his salary.

Conclusion

Mortgage Nomos Bank today is quite popular among Russians. However, it would be more correct to speak about the Otkritie bank, because this is the name that was given to financial institution in 2012. Variety of mortgage lending programs available interest rates- all this attracts borrowers. However, the main disadvantages are: the impossibility of obtaining a mortgage without a certificate of income, even with a large down payment, as well as many multiplying coefficients and the presence of restrictions on registration for persons of certain professions. Most advantageous offer will be for payroll clients of this bank and those who have a good official job and a high income.