Promsvyazbank loan secured by real estate. Which banks give a loan secured by real estate without income certificates

What loan amount can I expect?

The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

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

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

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income certificate and a copy work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering with personal account . After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan when insured event(disability or death).

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

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. By minimum size We recommend using the DomClick calculator for the down payment.

When using funds maternity capital it is important to agree with the seller on the procedure and deadline for receiving Money maternity capital, since this amount is transferred from Pension Fund not right away.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Assessment report - from 2 000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the rate on the loan) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration istrations (is additional service and paid separately)

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

Nobody lived in the new building before you, the price is for square meter less than an apartment of the same class in the secondary housing, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents move in, most likely, you will have to wait for the development of infrastructure and the completion of repairs from neighbors.

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

What is the processing time for a loan application?

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

How is the process of obtaining a mortgage at Sberbank through DomClick?

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

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach the necessary documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out in the center mortgage lending Sberbank.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

Today, it is very difficult to get a large amount on credit, it is especially difficult to do it at a reasonable, and not extortionate, as is often the case, interest.

Banks are reluctant to issue a loan secured by real estate without confirmation of income, but, nevertheless, there are several adequate offers in this industry. We have conducted a thorough analysis of the offers of banks in the Russian Federation and now we present to your attention options for obtaining a loan secured by real estate without proof of income in any region of Russia. Let's start.

So, we will not talk now about whether it is worth taking a loan secured by real estate in principle, because. in itself, it is of great value, because. if you are looking for such an offer, then you have decided everything for yourself, and our task is to offer you the best option.

Naturally, only those proposals in which decent amounts of loans appear will be considered here, otherwise it would be more logical to contact not the bank, but, say, in.

Which banks give a loan secured by real estate without income certificates?

So, few offer a cash loan without certificates and guarantors secured by an apartment or other real estate. banking institutions. We will consider both those that do not require such documents at all, and more demanding ones, but not driving borrowers into a dead end.

For easy navigation, the list of banks where you can get a loan secured by real estate without proof of income and a minimum of documents:

Tinkoff Bank

This loan offer from Tinkoff Bank there are many advantages, in particular, there are no requirements for a large package of documents and long waiting lines. And:

• The apartment remains with the owner - there is no need to re-register the property with a bank, cancel registration and registration
• Bank representative will deliver debit card for a loan along with documents. The money will become available after the successful registration of the pledge
• Getting a loan immediately after the successful registration of collateral real estate

And most importantly, the application leaves without checking the credit history or information about past debts, and also Tinkoff does not ask for a certificate of income confirmation. In addition, it is not even necessary to provide documents on the property! The whole transaction is executed practically according to the passport on the day of application.

Housing Finance Bank

The bank offers a solid option for obtaining a loan secured by real estate without income certificates, with obtaining a loan decision online! With a very low interest rate, from just 11% per annum, which is one of best offers on this moment On the market.

Once again, please note that you will not be required to provide income confirmation certificates, 2-NDFL forms, 3-NDFL forms, certificates from relatives and the rest of the bureaucracy, but a package of documents required to obtain profitable loan secured by an apartment, small.

Housing Finance Bank(BZD) is not the first year in the lending market and has managed to establish itself as a reliable player in this area. BJD is a specialized mortgage bank With high level capital adequacy, more than 24 years of active work Russian market mortgage lending.

Priority areas of activity:

• Deposits and safe boxes

The maximum amount that you can count on for a loan secured by real estate is 20.000.000 rubles, the minimum - 1.000.000 (up to 70% of the value of the object). Loan term from one to 20 years.

Sberbank

It is natural that largest bank countries has such a popular option in the list of programs, which is provided here on quite acceptable terms.

So, get no targeted loan on the security of real estate in Sberbank it is possible on the terms of an interest rate of 13%, for up to 20 years and in the amount of up to 10 million rubles. But, of course, this is not so easy to do, because. The bank imposes a number of requirements on borrowers.

In particular, it is necessary to know exactly market value mortgage real estate, indicate the current level of income, marital status, average monthly expenses, etc. Not counting the standard fields with the required amount and the period during which it is planned to repay the loan.

At the same time, the preconditions under which a loan will be granted if the application for its receipt is approved can be seen immediately by filling out the form on the bank's website.

In general, a good offer, but in order to get a really serious amount, you must meet all the indicators declared by the bank, which is far from always obtained.

Vostochny Express Bank: Loan secured by real estate

Looking ahead, I’ll say that it was this proposal that seemed optimal and most acceptable to our team among all the above options, which is why we put it in a separate paragraph.

It is one of the optimal solutions, primarily because Eastern Express fits almost perfectly into the title of this review, issuing loans for large amounts under a simplified system, without income statements.

What are the requirements for a borrower from Orient Express Bank:

• Age: 21 to 76 years old
• Insurance: Personal - at the request of the borrower, collateral - required.

Documentation:

• Passport
• Documents for collateral
• Sometimes, at the request of the bank, other documents may be required

Most interesting is that in individual cases It is possible to provide a loan without proof of income! All you need to do is fill out a short form on the bank's website and

RosselkhozBank

The conditions of this bank, in general, are similar to the previous one. Still the same 10 million maximum amount for a period of up to 10 years, however, the minimum rate is slightly higher and amounts to 16% per annum if the loan is taken for a period of up to 3 years inclusive, and 17% for longer loans. At the same time, an additional 3.5% per year can be charged if the borrower refuses life and health insurance during the loan repayment period.

But, credit rate can be reduced by 0.5% if you are payroll client Rosselkhozbank.

You can see the preliminary terms of the loan, as well as assess your compliance with the requirements of the bank on its official website by filling out several fields of the questionnaire.

There you can arrange online application for a loan, but, of course, to obtain it, you will have to visit a bank office.

Yes, additional function for borrowers, they have the opportunity to choose the method of repaying the loan: annuity (fixed constant) and differentiated payments, when the amount will decrease every month.

VTB Bank of Moscow

This bank offers loans to individuals in the amount of up to 3 million rubles, and for a period of up to 5 years. Yes, this is less than in previous options, but here it is possible to get a loan for a very significant amount without real estate collateral (it is better to discuss this with bank representatives).

The minimum interest rate here is 16.9% per annum, however, with an increase in the amount and term, it grows, as elsewhere, however.

At the preliminary stage of calculating the loan amount and interest on it potential borrower it is not required to indicate the level of income, place of work, etc. All this is indicated at the time of filling out the questionnaire, or negotiated with bank representatives personally, which, in principle, plays into the hands of borrowers. Perhaps on the spot you will be offered a more favorable program or conditions.

You can find out the preliminary amount, as elsewhere, on the official website.

Later, at the time of filling out the application, the bank will request information about you and your financial condition.

In general, the offer is interesting if you need not too much large sum, then getting it at the Bank of Moscow will be somewhat easier than in previous versions.

It can be said that all three proposals described within the framework of the section do not differ so much from each other. Perhaps the most significant difference here is the requirements for the borrower, which are lower in the Bank of Moscow, but you need to look at the interest rate, knowing your capabilities in terms of income and the estimated loan term.

SovcomBank

Another bank ideally suited to the topic of this article and considering applications according to a simplified scheme.

At the same time, the conditions under which lending is carried out are not worse than those that we have seen before. Yes, the minimum interest rate is higher here - from 11.9% to 22.9%, and the maximum amount is 30 million rubles. But loans are issued for the same period of up to 10 years on less demanding conditions.

You can fill out an application on the bank's website, and you only need to indicate the required amount and its repayment period, as well as your contact details: full name, date and year of birth, and region of residence. Questions about income are not asked here (according to at least, subject to the issuance of a loan secured by real estate).

Yes, as you can see, the conditions for obtaining are limited by the location of the property, so not everyone will be able to get a loan. But if it suits you, try it. The percentage of approval of applications here is higher than in other organizations.

National Mortgage Factory

Not so long ago, a new player appeared on the lending, mortgage and secured loans market - the National Mortgage Factory. This is a new player from the Region group of companies specializing in the mortgage lending market in Russia. Until the end of 2018, the NFI plans to scale up its business model by forming a federal business network of "electronic mortgage business".

Mortgage Factory provides the following services:

• Loans for consolidation (unification) of debts
• Loans for the purchase of real estate
• Flats, apartments, commercial real estate

We are talking about amounts up to 25 million rubles, transactions are processed within a day no commission.

Calculations mortgage calculator are preliminary. For exact calculations, please contact the mortgage centers of the bank.

• the bank does not control intended use credit;
• property of third parties may be pledged;
• the possibility of receiving money in cash;
• free legal support and paperwork for the transaction;
• the ability to account for the income of up to 4 family members.

Requirements for the borrower/co-borrower (if any)/guarantor (if any), whose income is taken into account when calculating the lending limit.

List of documents to be provided by the borrower/co-borrower (if any)/guarantor (if any):

• Questionnaire-application for a mortgage loan in PJSC Promsvyazbank.
• Identity document: passport of a citizen of the Russian Federation.
• insurance certificate mandatory pension insurance(SNILS)
• Document confirming marital status.
• Documents confirming the labor activity of the Borrower / Co-borrower (if any) / Guarantor (if any), the income of which is taken into account when calculating the loan amount.
• Documents confirming the income of the Borrower / Co-borrower (if any) / Guarantor (if any), the income of which is taken into account when calculating the loan amount.
• For Guarantors whose income is taken into account when calculating the Loan amount: documents confirming family ties with the Borrower and/or Co-Borrower.
• For men (Borrower / Co-borrower (if any) / Guarantor (if any) under 27 years old, a military ID and / or other documents proving that the person is not subject to conscription for military service are provided.

Getting a large loan today is not so easy. The way out in such a situation is often a loan secured by any real estate.

Mortgage can greatly increase the chances of approval loan application and significantly lower interest rates.

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Peculiarities

To the main features of obtaining credit loan secured by real estate, issued in Promsvyazbank, include:

• fast processing of the application;
• no commission;
• a small interest rate, if available.

Also given bank offers very a large number of very different credit programs For certain categories borrowers:

• budget workers;
• civil servants;
• young families.

Due to the stability this financial structure can afford to lend at relatively low interest rates. Especially when compared to other similar banks.

Advantages and disadvantages

Loans secured by real estate offered by Promsvyazbank have both their advantages and disadvantages.

The advantages include the following features:

• the purposes for which the funds are used are not tracked (even if the loan is targeted);
• legal support of the client during the execution of the transaction is carried out completely free of charge;
• it is possible to record the income of up to 4 family members at the same time.

The most important advantage of secured loans in this bank is that real estate or other property of third parties can act as collateral.

It is only important to have the written consent of the owner and legally correctly executed documents. It is extremely convenient to interact with the bank through a special website.

Despite the large number of advantages, bank loans also have their disadvantages.

These should include the following points:

• the client must be officially employed;
• only spouse (ha) can act as a co-borrower;
• persons under 27 years of age should not be subject to conscription into the army.

An important requirement for the client is not only his mandatory employment, but also some restrictions on the type of activity.

Borrower must not be individual entrepreneur. Otherwise, the loan will be denied.

Terms of Service

Despite the loyalty of Promsvyazbank to its customers, in order to successfully obtain a loan secured by real estate, the client must meet all the requirements.

Terms of service can vary greatly depending on many factors: financial condition and others.

Rates and Interest

At the moment, Promsvyazbank provides its customers with a large number of various loan programs to choose from.

Consumer non-purpose loans are especially popular:

There are also many mortgage offers, where funds are issued on the security of real estate. It is very important to have actual real estate that has a constant value in the market.

Insurance

Promsvyazbank offers its customers life and health insurance when taking a loan.

This service is extremely important. It allows you to cancel a loan in case of any unforeseen situations that lead to the complete or partial disability of the client.

These include:

• disability of the 1st group;
• disability of the 2nd group;
• death.

There is an important feature of the insurance program offered by Promsvyazbank: it operates 24 hours a day and every day of the year. And it extends to all continents and countries.

When calculating the cost of the program, two main factors are taken into account:

• loan amount;
• delivery period.

The Bank provides an opportunity to conclude an insurance contract for an already taken loan.

Then the cost of the insurance premium is calculated based on the amount of the debt, as well as the period until its full repayment.

Even if early repayment of the loan was made, the insurance will be valid until the date specified in the contract.

Promsvyazbank offers programs of this type, which apply not only to the life and health of the client, but also to acquired property and even property rights.

Repayment terms

The loan agreement includes a wide range of conditions for its repayment.

It includes the following important points:

• date of payment;
• the amount of the payment;
• terms of early payment;
• repayment methods.

The date of payment means the date on which funds are debited to pay off the body of the loan, as well as interest on using it.

Promsvyazbank usually sets a debit date that coincides with the date of conclusion of the agreement - it means the transfer of funds to the client's account or cash withdrawal.

The payment amount includes the funds spent by the bank to repay the principal body of the loan and interest on it. Its value depends on many factors, such as the term of the loan, the amount of the loan, the interest rate.

The type of loan also has an important influence - it can be differentiated or.

Many banks impose various kinds of fines on their customers in the event of early repayment credit loan.

Promsvyazbank does not have various commissions for early or partial early repayment, which is a definite plus for customers.

You can pay off your loan in a variety of ways:

• through the cashier;
• through the post office
• in the payment terminal;
• using internet banking.

The client is free to choose the most convenient for him.

Requirements for the borrower

The requirements for the borrower at Promsvyazbank are standard, but in order to receive a loan, full compliance with them is required.

A client wishing to take out a loan must:

• have the citizenship of the Russian Federation;
• meet the age criteria - not younger than 21 years old and not older than 63 years old;
• be permanently registered in the region where the branch issuing the loan is located;
• total work experience must be at least 1 year;
• you must have at least 2 contact phones.

If all the above requirements are met, the probability of approval of a loan application is quite high.

property requirements

The most important requirement for collateral real estate is its liquidity. That is, in the event of a client's insolvency, the bank should be able to implement it.

Among other things, the following requirements must be met:

• full compliance of the building with the BTI plan;
• the presence of connected and functioning communications: water supply; electricity; sewerage; gas;
• legal purity.

The market value of the mortgaged property should advise the amount of the loan taken.

If the property meets all the requirements listed above, then it may well act as collateral.

Documentation

To obtain a loan from Promsvyazbank, the following documents are required:

• application form;
• passport of a citizen of the Russian Federation;
• certificate in the form 2-NDFL or bank;
• a copy of the work book certified by the employer.
• properly formatted mortgage.

There is also a list of various types of documents that are not mandatory. When they are provided, the probability of approval of the application increases.

Stages and nuances of design

Applying for a loan consists of the following steps:

• familiarization with all the conditions and requirements of the bank;
• registration and collection of all necessary documents;
• submission of a package of required papers for consideration by the credit committee;
• after the approval of the application, you must come to the bank branch to sign the loan agreement.

When loan agreement signed, the funds will be transferred to the client.

Very important nuance is the fact that the loan agreement is considered concluded only after the amount is transferred to the client's account.

The property, then, is an excellent hope for ample opportunity.

Even without selling it, you can successfully receive money as a loan and favorable conditions and spend them on your needs, including development. The most important advantage of such lending is that it is consumer, which means that no one will have to account for the amounts spent.

Of course, you can get a loan without collateral, but its amount will not exceed 1 million, and you will also have to wait for paperwork, certificates, etc. It will be possible to get a solid amount at Promsvyazbank within 5 days if the collateral object completely suits the lender.

Advantages of Promsvyazbank as a lender

This financial institution has a range of positive sides that their customers have already appreciated, for example: here they rarely refuse a loan, almost never, there are no hidden or additional payments and contributions, the entire amount of cash can be received immediately in one amount.

The conditions for obtaining loans here are also quite democratic:

• The age of the borrower is 22-65 years.
• Total experience - 1 year, current experience - 4 months.
• Good credit history- no delays.
• Right to early repayment.

The repayment of the loan here is made by payments equal in amount, that is, annuity, but the payment for delays is slightly higher than that of other creditors - 0.3% per day of delay.

The loan amount is from 0.5 to 15 million. At the same time, the more you make the initial payment at once, the lower the interest rate awaits you. Another successful project for borrowers was the offer to get a loan of up to 100 million if you are a novice businessman. In this case, you do not have to make a down payment at all, and both the already purchased property and the one being acquired can become a pledge.

What are the benefits of secured loans

Loan money can be issued for almost any need: the acquisition of real estate abroad, development own enterprise, building renovation. The loan repayment system itself is very convenient and flexible, the borrower's possibilities are almost unlimited. Each client in the form of an additional privilege is provided free service, including legal ones.

The borrower has the right to use safe deposit box, it is especially beneficial when repaying big loan annuity payments, which are paid only in cash. Borrowers are not prohibited from repaying the entire loan ahead of schedule or making monthly overpayments. With this method, the loan will be closed faster, and you will win in money for interest rate. Full repayment ahead of schedule will allow you to easily get rid of the heavy burden that could accompany you for several years.