The minimum amount of a mortgage loan in Raiffeisenbank. Mortgage calculator Raiffeisenbank

All mortgage clients I work with know that my loyalty to banks is limited only by convenience, reliability and profitable mortgage programs. About ten years ago, the bank I'm about to talk about was one of the most disliked banks among realtors. Strict requirements for borrowers, apartments and documents made the possibility of making a mortgage transaction very vague. But times pass and the inflexible Austrian bank, having brought its mortgage programs to Russian realities, has become one of the "top" and exemplary mortgage banks in Russia. I present to you Raiffeisenbank!

In 2017, I completed five mortgage transactions at Raiffeisenbank, completed training at the Bank's Mortgage Academy and received the status of a Raiffeisenbank Partner. Therefore, all information was obtained by me empirically and from the original source. As I said, Raiffeisenbank is an Austrian bank. Therefore, all strategic decisions are made in Austria. Well, centuries-old banking professionalism and reputation is always good. Especially given the frequent closures of banks by the Central Bank of Russia.

I want to say right away that I am considering Raiffeisenbank, only in terms of mortgages. All other types of bank services are unknown to me and are not interesting in the context of my work. Before talking about the advantages of conducting mortgage transactions, it is worth noting minuses. So far I have seen two:

The Bank does not provide mortgage loans for land and private houses;
The minimum down payment is 15%;
If you applied for a mortgage earlier than you contacted me, you will not receive the preferential partner interest rate of 10.74%.

Now oh pros.

All document flow under the planned transaction is carried out electronically.
The bank manager who prepares and conducts the transaction is constantly available on mobile phone. In many other banks, communication with managers goes through a call center or only through e-mail, which greatly complicates the process.
The purchase and sale transaction can be carried out by proxy from the Seller.
Men under the age of 28 do not need to provide a military ID.
When applying for a mortgage, the minimum work experience is 3 months. In many banks - 6 months.
Attention: if you provide a certificate in the form of a bank (and not a 2-personal income tax certificate) as proof of income, the interest rate does not increase!
When calculating the solvency of the Borrower, the bank does not take into account dependents.
Very convenient mortgage centers. Well-equipped meeting rooms and bank-based transaction registration service.
Possibility of using Letter of Credit. Including for non-mortgage transactions through affiliate programs.

Let's talk about mortgage terms at Raiffeisenbank.

As I already wrote, the minimum down payment for secondary housing in Moscow is 15% and for buying an apartment in the Moscow region - 20%. Maternity capital can be included in the amount of the down payment. Minimum credit rate on mortgages today is 10.99%, and in practice, getting such a rate is quite realistic. If you contact me to submit an initial application for a mortgage, the bank gives my clients affiliate program 10.74%. This credit rate will not change even if you could not confirm your income on the 2-personal income tax certificate. The minimum amount that Raiffeisenbank issues under mortgage programs is 800,000 rubles, and maximum amount- 26.000.000 rubles. The bank issues a loan for a period of one to twenty-five years.

Documents required for obtaining a mortgage loan:

The application is a questionnaire.
A copy of the passport of a citizen of the Russian Federation and a copy of the spouse's passport.
Copy of marriage or divorce certificate.
Copy of work book.
Certificate of income (in the form of 2-NDFL or in the form of a bank).
SNILS.

The processing time for an application usually takes two to five days. In rare cases, the bank may request additional documents. For payroll clients, the term for consideration of the application is faster and the list of documents is smaller.

Requirements that Raiffeisenbank makes to the Borrower:

The age of the borrower must be at least 21 years old and not exceed 65 years old at the end of mortgage payments.
The borrower must be employed on a permanent basis, while the minimum work experience must be at least three months with a total seniority not less than two years, six months if the work experience is not less than one year and not less than one year if the place of work is the first.

Documents to be submitted to Raiffeisenbank for approval of the loan object:

Real estate appraisal report. As you understand, the bank needs to know the real value of the loaned object.
Copies of title documents for the apartment.
Copies of BTI documents (now it is an explication and a floor plan).
Extract from USRN.
EZhD or an extract from the house book.
A copy of the seller's passport.
SNILS of the seller.

Mortgage lending is one of the most demanded services from financial and credit institutions today. Considering the number of offers and the variety of conditions, always consider several options, especially since the simultaneous filing of an application with several banks will not affect the result of consideration in any way (unlike consumer credit). Raiffeisenbank's mortgage deserves attention due to its low interest rates and high credit limit.

Raiffeisenbank mortgage conditions

The bank lends individuals for up to 30 years. A lot in setting interest rates depends on whether you are ready to take out additional loans. obligatory types insurance. Declared minimum percentage reached the level of competitors in the market and starts from 9.5%. The credit institution works with maternity capital and state support young families.

Types of real estate

Raiffeisenbank considers applications in the amount of 0.5 to 26 million rubles (from 800 thousand rubles for the capital and the region).

According to the conditions, the maximum amount is limited according to the type of property:

Apartment from the secondary market: 85%.
New building: 90% of the cost of housing.
Private house with or without a plot (only the secondary market is available): is determined in money, according to the established limit.

According to the terms, any type of real estate can be purchased with a non-purpose loan secured by existing housing, which is also essentially a mortgage, but has the features of a consumer loan. Credit limit it is equal to the mortgage for a house from the secondary market.

Importantly, Raiffeisenbank gives mortgages for apartments only to those developers who are on the approved list.

Interest rate and insurance

In Raiffeisenbank, much depends not on the category of the client, but on his willingness to take out insurance.

The minimum interest rates for Raiffeisenbank mortgages that you can get by submitting an online application:

An increase in interest rates is provided for in case of refusal from comprehensive insurance:

+0.5% if the age of the borrower and co-borrowers is not more than 45 years;
+3.2% if it exceeds.

The terms of the Raiffeisenbank mortgage agreement provide for an increase in interest rates if, during the term of the loan, you refuse to renew the concluded insurance agreements that you signed in order to receive reduced interest when receiving a loan: by 1 or 3.7%, according to age.

Interesting interest rates are valid for . Calculate payments on the mortgage of Raiffeisenbank at a given interest rate will help you credit calculator(see below).

An initial fee

It is impossible to get a mortgage at Raiffeisenbank without a down payment, including for housing from the secondary market. You must have at least 10-15% own funds from the value of the object.

The conditions provide two options for how to avoid the minimum contribution:

Use maternity capital, in which case its amount should be at least 10-15% of the cost of the selected housing (only apartments are considered - in a new building or from the secondary sector).
Apply for a non-targeted loan secured by existing real estate, which, having the features of a consumer loan, does not require a down payment.

As a down payment on a Raiffeisenbank mortgage on a residential building, you will have to make at least 40% of its value. According to reviews, such a requirement is a minus of the program, which makes it almost unclaimed.

Requirements for the borrower

To apply online for a Raiffeisenbank mortgage, the borrower must have the following characteristics:

Age - from 21 to 60 or 65 years, depending on the availability of life and health insurance.
Employment is a must. Moreover, the experience should be 3 or 6 months, depending on the duration general experience. For those who got a job for the first time, the chance to get a mortgage at Raiffeisenbank will appear only after a year of employment.
Income - at least 15 thousand for the regions and 25 thousand for the capital, and this level guarantees you only a minimum limit. Confirmation is a must.
The credit history is only positive, and the total credit load is no more than one loan under the terms of the Raiffeisen Bank mortgage.

The requirements for a co-borrower are similar, but the salary is more loyal - from 10 thousand. Everyone knows that in marriage a spouse automatically becomes a co-borrower.

Package of documents

Since a mortgage is a complex loan, the number of documents that must be submitted to the bank is extensive.

In addition, they are submitted sequentially, depending on the stage at which the loan is processed (for more details on processing, see below).

The full package of documents for a Raiffeisenbank mortgage is as follows:

Questionnaire, passport, SNILS, consent to data processing.
Employment history and a contract of employment;
Confirmation of income - certificate 2 personal income tax or in the form of a credit institution. Additionally, you can attach a lease agreement, an extract from the Unified State Register of Real Estate and an income statement if you rent out property and pay taxes.
Documents for real estate - if you buy a new building, you only need a contract for participation in shared construction or assignment of the right to it, because Raiffeisen Bank approves mortgages only from those developers that are included in its trusted list. More difficult with the secondary sector - see and.
Contracts for the deal - preliminary and main.
Documents from a notary - consent from the spouse, who acts as a co-borrower, to conclude a transaction, a power of attorney in favor of Raiffeisen partners to issue a mortgage (if you do not want to do it yourself).
An encumbrance registration statement - it will be with you and in the bank.

Additional fees

The commission for processing and issuing a loan is not calculated and cannot be included in the results of the calculator, however, the borrower will still incur additional costs, especially if we are talking on the mortgage of Raiffeisen Bank for secondary housing. Cost items will include:

Payment for the payment method - letter of credit or safe deposit box.
Contract of sale. A typical one, according to customer reviews (hereinafter - from the bank.ru portal), is being prepared by a law firm and costs money, and not a typical one will eat up a lot of time, because. agreed with the legal department. Applicable only for Raiffeisenbank mortgages for secondary housing:

Notarized powers of attorney, if necessary;
Appraisal report - if we are talking about secondary housing.
Insurance - any, even mandatory (insurance of property against loss and damage). You have the right to choose an insurer to your liking (the benefit can reach up to 20-30%), but it must be approved by the bank.
State duty for registering a mortgage in the USRN - 1000 rubles:

Manipulations with the mortgage composition are also subject to a commission in favor of Raiffeisenbank. For example, it costs 17,700 rubles to change the collateral itself, and change the composition of borrowers - 35,500, despite the fact that the state duty for making changes and additions to registration record about the mortgage will cost only 350 rubles.

How to get a Raiffeisenbank mortgage

The procedure for obtaining a mortgage loan from the moment you apply online to move into a residential property consists of several stages, which are much more complicated than obtaining a conventional loan.

Loan calculator for calculating mortgages

Programs for calculating the approximate financial burden on the budget are very popular and in demand at the very first stage when considering mortgage options. Alas, according to reviews, they rarely give a real idea of the actual cost of the loan.

However, using the Raiffeisenbank mortgage calculator you can get an idea of your future payments and interest rate. In the reviews, customers recommend boldly throwing two or three percent on it.

Since the Raiffeisenbank mortgage calculator is not able to calculate the mortgage according to individual parameters and often gives the minimum interest rate (which is rarely true), you can use an independent calculator by choosing the necessary indicators yourself:

How to apply online

At Raiffeisenbank, consideration of the application and documents is possible remotely - there is a questionnaire in a specific section of the official website.

After filling it out and sending it, the manager will contact you and indicate the email details to which you can send everything Required documents so that Raiffeisenbank sets the conditions for the mortgage.

The only downside is that you still have to visit the office, at least- to conduct a deal, to write documents.

Mortgage deal on secondary market housing

Under the terms of Raiffeisenbank, after your online application is approved, and housing is selected, the sequence of actions when applying for a mortgage is as follows.

First stage:

An evaluation report is prepared;
The seller collects documents for the apartment (according to the list available for download above);
Signed preliminary agreement purchase and sale;
The package of securities is transferred to the creditor;
The form of payment is selected.

Remember, the conditions of Raiffeisenbank on a mortgage application are valid for 3 full months.

The second stage: the collected documents are sent to the bank and the property is approved. By the way, the lender claims that a non-legalized layout is not a problem for obtaining a mortgage (according to reviews, this is a big plus): The third stage: as soon as the bank approves the transaction:

The buyer makes an initial payment;
The main contract of sale is signed;
The seller and the buyer formalize the transfer of ownership in Rosreestr and register the mortgage issued by the creditor. As a result, they receive an extract from the USRN;
The buyer draws up insurance and receives policies;
All documents are transferred to Raiffeisen Bank.

Fourth stage: if everything is in order with the papers, cash become available - they are transferred to the buyer with subsequent movement to the seller.

On average, the procedure takes from one to two weeks. In the reviews, many customers complain about delays both from the moment the application is considered and at the stage of paperwork.

Applying for a mortgage in a new building

Everything is very simple here - as soon as your online application is approved, you come to the office with the original agreement for participation in shared construction, sign a mortgage agreement and receive a payment schedule.

You can register the encumbrance yourself, but then you will have to take the USRN statement to the bank yourself. A power of attorney for a representative of a lender or developer to carry out such actions, although it will ease your pocket, but at the same time save time.

A little about the repayment of the mortgage of Raiffeisenbank

Everyone understands how important it is to pay the debt on time, because penalty- 0.06% of overdue payments are charged daily. If you calculate the overpayment on a calculator, the amount can be astronomical.

Raiffeisen Bank has an option for those who, due to certain circumstances, cannot fulfill their obligations. For example, restructuring.

You need to understand that credit institution rarely goes to meet clients in this matter and changes individual conditions contract, however, any borrower can apply, financial position which has deteriorated significantly. It will help to assess more specifically your chances of receiving benefits.

Among the ways to make monthly payment no commission, standard - ATMs of the network, MKB or Binbank, branches, transfer from a card of another bank through Personal Area Raiffeisen (in this case, the sending bank can take the percentage).

The transaction can be carried out using a letter of credit or safe deposit boxes (unlimited number). Also, the credit can be transferred to the seller's account after the transaction is registered;
The transaction is possible by proxy on the part of the seller.

Transaction using a letter of credit form of mutual settlements:

at letter of credit settlements on the day of the transaction, you sign credit documentation, conclude and pay for an insurance contract, sign an application for opening a letter of credit, a contract of sale. Credit funds are credited to your current account and transferred to the coverage account (cashless box). Transfer of funds to the seller's bank account is carried out without commission upon presentation of the documents specified in the letter of credit (if the seller's account is opened with JSC Raiffeisenbank, withdrawal of funds is also carried out without commission).

Transaction using safe deposit box:

on the appointed day, you (with the co-borrower(s), if any) and the seller arrive at the Mortgage Center to sign the loan documentation, conclude an insurance contract and pay the insurance premium. Further, the signing of the sale and purchase agreement and the safe deposit box lease agreement is carried out. After credit funds are credited to your account, they are withdrawn at the cash desk and bookmarked in an individual bank safe.

When using maternity capital funds as a down payment, you must:

No later than 30 calendar days, counting from the date of granting the loan, send to Pension Fund Russia a statement on the disposal of funds / part of the funds of maternity capital. An application for the disposal of maternity capital funds is sent with the presentation of the documents specified in the Rules for filing an application for the disposal of maternity capital funds.
Within 30 calendar days, counting from the date of granting the loan, present to the bank the original and provide a copy of the receipt-notification of acceptance / registration of the application for the disposal of maternity capital funds with the mark of the Pension Fund of Russia.
Within 35 calendar days from the date of filing an application for the disposal of maternity capital funds to the Pension Fund of Russia, present to the bank the original and provide a copy of the notice of satisfaction (refusal to satisfy) the application for the disposal of maternity capital funds.

Stage costs:

state duty;
insurance premium;
rent of a safe deposit box / opening of a letter of credit;
payment for registrar services (when using the services of bank partners);
additional notarial documents (powers of attorney, statements, consents, notarized copies).

Arrange a mortgage - the most the right way get your own housing. Unfortunately, for the majority of our citizens, it is the only one, since few people manage to earn the amount needed for a purchase in a few years, and it is incredibly difficult to systematically collect money over a twenty-year period. In addition, in the latter case, housing will be bought, as they say, "closer to retirement."

Raiffeisenbank gives its clients the opportunity to once and for all forget about inflation, rising real estate prices, paying rent for a rented apartment and start investing in their future and the future of their children right now.

Mortgage lending will allow you to expand your existing living space, move to a good area or buy a spacious Vacation home. Whatever your goals, Raiffeisenbank is able to offer the most profitable methods to achieve them. The bank's specialists have developed a whole series of mortgage products, allowing each client to choose the most convenient option for himself.

What's new?

Mortgages from Raiffeisenbank have always been the easiest and most convenient. But we do not stand still, constantly improving the existing proposals. The main achievement of this year is a significant reduction in interest rates for all regions of Russia. Now the dream home will become a reality even earlier, and it will be much easier to pay its cost.

Your “I want” is much easier to turn into “I can” when Raiffansenbank becomes an assistant!

A few elementary actions and the dream will become a reality:

— consult with a Raiffeisenbank specialist, he will tell you how to correctly fill out the application form and collect required package documents;

– fill out an application at the nearest mortgage center and get bank approval

— submit the documents for the selected apartment, cottage or townhouse to the Raiffeisenbank branch and you can create a menu for housewarming celebrations.

Mortgage in Raiffeisenbank - the main advantages

Treaty mortgage lending compiled by Raiffeisenbank specialists in the utmost transparency. There is no hidden commissions and additional payments. Moreover, in the process of processing the transaction, the client will not pay a single extra penny.

The main thing that Raiffeisenbank offers:

1. Low down payment, only 15%.

2. Interest rate starts from 11.5%.

3. Clients are not charged fees for paperwork, and the time for consideration of an application is always less than 5 working days.

4. For those who want to pay off the loan prematurely, there is also a very pleasant surprise: it can be done at any time and without any penalties.

5. Using the R-Connect system, you can receive information about the current state of the loan online;

5. Loyal approach to analysis financial condition borrower: the total income of common-law spouses is considered, guarantors, additional collateral, complex insurance contracts are not required.

As you can see, all procedures are maximally simplified. There are no overpayments existing in other banks.

What should be the collateral

Mortgage product allows you to purchase an apartment in a new building, on secondary market and even a country cottage.

But there are nuances:

1. All real estate objects transferred as collateral must have the appropriate registration in the territory Russian Federation.

2. When buying an apartment in a house that has not been handed over at the time of the mortgage, the developer company must be approved by Raiffeisenbank. There is a whole list of such developers. There are about 1000 enterprises in it and it was created in order to secure transactions as much as possible. You can get acquainted with the list of approved companies at any Raiffeisenbank mortgage center.

3. When applying for a mortgage on an apartment in the secondary market, it must meet the following requirements:

- be heated, have their own kitchen and bathroom;

- be connected to the water supply and central sewerage;

- if in the decoration of an apartment located on top floor, there is significant damage caused by roof leaks, such an object can be accepted as collateral without taking into account the cost finishing works.

4. If a cottage acts as collateral, then it must:

- have walls, a roof, intermediate floors, filled door and window openings;

- be sure to have a foundation, and the walls must be built of concrete, brick, wood or building blocks;

- be equipped with a bathroom connected to existing electrical networks, water supply and sewerage, have a heating system.

5. If the collateral is in cottage village- the latter must meet the following requirements:

- territory: the boundaries should be clearly defined, an asphalt road should lead to it;

- development: there must be at least 10 completed houses in the village

- service: a centralized communal service should operate in the village.

Who can become a borrower

Raiffeisenbank does not impose strict, inexplicable restrictions on its potential borrowers. Almost anyone who wants to conclude a mortgage lending agreement is able to do so.

The main requirements from Raiffeisenbank are as follows:

- age: not younger than 23 years old, but not older than 55 for women, 60 for men. The top bar must not be passed at the end of the action. mortgage agreement;

— citizenship and place of residence: the borrower can be a citizen of any state, but actually reside and have a valid permanent registration is required only in the region in which the representative office of Raiffeisenbank operates;

– work experience: should be from 3 months to 1 year at the last place of work, depending on the volume of the general work experience of the borrower;

- income level: depending on the region, the minimum monthly income should be from 15 to 29 thousand rubles of the Russian Federation;

- other loans: the borrower is allowed to have no more than two existing loans, but the agreements on them must be concluded more than half a year ago.

To consider the application, the borrower must submit a fairly weighty package of documents to the Raiffeisenbank mortgage center. It includes: questionnaires and applications of the borrower, documents confirming marital status and registration in the territory of the Russian Federation, work book or contract, income statements. In each case, the required package of documents is considered individually and additional information may be required. Detailed advice can be obtained from a mortgage specialist at any branch of Raiffeisenbank.

Mortgage return

So, you have already taken a mortgage from Raiffeisenbank, the long-awaited keys to your own home have been ringing in your pocket for a whole month and it's time to pay off the debt. Where to pay easier and cheaper? It is with such questions that most borrowers turn to the bank.

Most profitable way- payment at the cash desk of Raiffeisenbank. Funds will instantly go to the account specified in the mortgage agreement, while no commission is charged from customers. Another plus of this method is that there is no need to bring a loan agreement to a bank branch. A passport will be enough for any Raiffeisenbank employee to find all the necessary information.

Also, you can make payments without commission according to the mortgage agreement through Raiffeisenbank ATMs and in the R-Connect system.

With the payment of a commission, borrowers can make a transfer from any other bank, send money using the Russian Post or use payment system QIWI.

Difficult situations

Unfortunately, things don't always go according to plan. What to do if there is no way to make the next payment on time?

Do not be upset, for these situations, Raiffeisenbank provides for the “Promised Payment”. Just inform about the payment time using the appropriate section of the bank's official website https://www.raiffeisen.ru/retail/paying_off/promise/.

However, the promised payment can only be used if the debt has already arisen and lasts no more than 90 days. Otherwise, you should apply for debt restructuring. It is issued only at a branch of Raiffeisenbank, with the personal presence of the borrower.

Mortgage Products

To date, Raiffeisenbank can offer all its potential borrowers eight successfully operating mortgage programs:

1. Mortgage with maternity capital.

2. Buying an apartment on the secondary market.

3. Buying an apartment in a new building.

4. Acquisition of real estate secured by existing housing.

5. Purchase country cottage in the secondary market.

6. Refinancing program mortgage loan.

7. Issuance of a non-targeted loan secured by existing housing.

8. Purchase of a new building in "Installments" for two years.

Each of the listed mortgage products has its own distinctive features so let's talk about them in detail.

Mortgage with maternity capital

Children are the flowers of life. But just as each plant needs its own flowerpot, and even better a large, spacious flower bed, so it is necessary to allocate square meters for the child’s personal space. Of course, when the baby was just born, the need to expand the living space is not felt at all. But time flies quickly and now the whole house is littered with toys, a new bed and wardrobe are needed. Few people can quickly answer the question: where to store, put, place all this?

Also, do not forget that the baby needs walks in the fresh air, and not along noisy, exhaust-rich streets. It’s good to have a park nearby, and even better a pond. And then you need a good Kindergarten and, of course, the best school. Therefore, about housing need to think from the first days of a child's life.

Raiffeisenbank took care of all young families by developing the Mortgage with Maternity Capital program. With its help, you can use maternity capital funds to pay off part of the cost of purchased housing.

Mortgage terms

The product developed by Raiffeisenbank specifically for young parents is extremely simple. You can take a loan for up to 25 years, both for a property in the secondary market and for a new building. All payments are made exclusively in Russian rubles.

Interest rate 11.5%.

The main feature of a mortgage with maternity capital: after completing the entire package of documents at Raiffeisenbank, it is necessary to submit data to the Pension Fund of the Russian Federation so that the maternity capital is transferred to the account partial repayment loan.

Apartment on the secondary market

Have you seen the apartment of your dreams: the ideal layout, a wonderful area and the area is suitable? Maybe a small townhouse, with a magnificent private courtyard and the best neighbors in the world, came to your heart? It often happens that in the search for a good option for a new place of residence, we find exactly what we need. However, the accumulated funds are not enough.

It does not matter, because with the mortgage lending program from Raiffeisenbank, designed specifically for the purchase of real estate in the secondary market, you can afford much more than originally planned. Low interest rates and a loyal agreement drawn up in Russian rubles will remove all restrictions when choosing a new home.

Good offer

As already mentioned, mortgages are issued in Russian rubles. The interest rate depends on the amount of the first installment and the term for which the mortgage was issued:

- for contracts with a down payment of 50% and a validity period of up to 5 years, it will be 11.5%;

- with the first installment of 30%, from 12% to 12.25% per year will be charged;

- if the first installment is paid from 15% to 30%, the interest rate will be the maximum for this program and will be 12.5% or 12.75%.

In the second and third cases, the interest rate varies depending on whether the borrower came to Raiffeisenbank for the first time or has been using the institution's services for a long time.

Such profitable proposition able to stop inflation for bank customers, inspire confidence that the loan will be "affordable" and during the operation of the contract there will be no difficulties with its repayment.

Mortgage term from 1 to 25 years. Such a gap allows you to conclude an agreement both for very small amounts, and for practically full cost real estate. And the minimum down payment, only 15%, will make it possible to purchase any option you like. After all, 85% of the cost, with absolutely insignificant overpayments, can be returned to the bank for a quarter of a century.

And a little more about numbers. The total loan amount varies depending on the region where the collateral is located. In Moscow and the region minimum amount slightly higher than throughout the country: from 800,000 to 26,000,000 Russian rubles. In other regions, the lower limit is 500,000 Russian rubles, and the maximum is equal to Moscow.

For those who do not make payments to the account under a mortgage loan agreement on time, the bank has prepared minor fines: for each day of delay, you will have to pay 0.1% of the payment amount.

Apartment in a new building

Buying an apartment in a house that is still under construction provides a lot of advantages:

— square meter costs less than in the "secondary" or already handed over houses;

- you can initially think over the layout to the smallest detail;

- in the process of performing repair work, you will not have to destroy or redo something;

- in psycho-emotional terms, the apartment is a clean slate, there is no negativity left by the previous owners, life in it will be harmonious.

When buying "primary" housing, one should not forget that interior decoration is likely to cost quite a tangible amount, and it is quite difficult to get a mortgage for such real estate. High risks scare lenders.

In this case, Raiffeisenbank is also able to give the best recommendations and conclude a mortgage agreement on the most favorable terms. For buyers of "new buildings" a separate lending program has been developed. Raiffeisenbank's specialists studied in detail the companies operating in the high-rise construction market and compiled a list that includes just over a thousand enterprises. All these companies are reliable sellers of "primary" housing, whose houses are of high quality and are guaranteed to be commissioned within the specified time frame.

Conditions for granting a mortgage for new construction

For those who have chosen a newly built house as their new place of residence, Raiffeisenbank does not offer special conditions that differ sharply from lending to a "secondary". The loan amount, term and amount of the first installment remain the same.

When applying for a mortgage secured by a new building, there are more options for interest rates. In addition to the term and size of the first installment, they are significantly influenced by the degree of readiness of the house and the availability of documents on putting it into operation.

Raiffeisenbank offers the following conditions:

- with a first installment of 50% and full payment for no more than 5 years, the interest rate will be 12.5% before the delivery of the house and 11.5% after it;

- with a contribution of 30%, you will have to pay 13% -13.25% during the period and 12% -12.25% when the house is already built;

- the most expensive loan with a down payment of 15% -30%, the maximum interest rate will be 13.5% -13.75%, the minimum 12.5% -12.75%.

A mortgage secured by an apartment in a house that has not been rented out gives the buyer another advantage. The client of Raiffeisenbank receives additional guarantees that the construction will be completed and he will receive ownership of the apartment in full readiness for the start of interior finishing work or occupancy. The thing is that the bank concludes mortgage agreements only for objects built by reliable developer organizations, checks the compliance of all documents with existing legislation. For transactions with high risks, borrowers are guaranteed to be refused.

Real estate secured by existing housing

Another interesting and, undoubtedly, useful product from Raiffeisenbank is a mortgage secured by existing housing.

Surely, the majority will wonder: who uses this mortgage product? After all, those who already have a loan probably do not need a loan, and if a new one is purchased, then it can be provided as collateral.

Clients taking out a mortgage under this program pursue the following goals:

- they want to buy an apartment in a new building and at the same time save on interest, or Raiffeisenbank refuses to lend to the chosen house for a number of reasons;

- the borrower seeks to avoid delays and bureaucratic delays that arise in the process of buying and selling new housing;

– the selected property on the secondary market does not meet the requirements of the bank for collateral: Communal apartment, construction in progress, high-rise building without utilities.

Mortgage for real estate already registered in the ownership is the most effective and easiest way to bring the implementation of expensive plans closer.

Interest rates on mortgages secured by existing housing are also divided into three levels and range from 11.5% to 12.75%.

Cottage on the secondary market

A house in a suburban village, away from city noise, traffic jams and people in a hurry is a dream for many. In such a place, you can not think about the alarm clock, listen to crickets in the evenings and follow the stars. And in the morning, drink milk with scrambled eggs or a casserole made from products bought from household neighbors. And let the work schedule does not give the opportunity to surrender to this lifestyle all year round, but in annual leave or on weekends such a cottage can be visited with great pleasure.

And yet, such suburban real estate will be an ideal home for retired parents or elderly grandparents.

You can buy a cottage on the secondary market using borrowed funds from Raiffeisenbank. In connection with the great popularity of such transactions, a corresponding mortgage program was developed.

Terms of an agreement

A mortgage lending agreement for the purchase of an already built and commissioned cottage is concluded on the following terms:

— maximum term loan 25 years;

– as a first installment, you will have to pay at least 30% of the amount specified in the contract, while the loan will be issued at 12.5% per annum;

— the minimum loan amount is 500,000 Russian rubles (for all regions except Moscow), the maximum is 26,000,000 Russian rubles.

There are also a number of nuances that need to be considered when choosing a pledge object:

— a mortgage cannot be obtained for unfinished or partially completed construction, there must be walls and ceilings on all floors of the cottage, the roof must be fully completed, all window and door openings must be filled;

- the cottage must be connected to electricity, water supply and sewerage, it must have operating system heating;

- the village in which the cottage is located should be clearly defined, have transport accessibility, an asphalt road should lead to it;

- a centralized communal enterprise should operate in the village, cleaning the territory, removing garbage, maintaining the efficiency of networks, etc.

Mortgage refinancing

Unfortunately, the term refinancing is not very clear to most, although the procedure itself can bring a lot of new benefits to bank customers.

Refinancing is the issuance of a new loan to repay the previously taken, and the latter can be issued at any bank. You can use this to get more profitable terms under a mortgage agreement. For example, initially a loan was issued at 15% per annum, but over time, offers appeared with an interest rate of 11% -12%. The percentage gap is only at first glance insignificant, for 15-20 years of the mortgage agreement, an overpayment of tens of thousands of rubles may occur.

Raiffeisenbank has developed a new mortgage product specifically for clients wishing to refinance. According to the main conditions, borrowers can receive funds at 11.5% -14% per annum. As in all programs from Raiffeisenbank, the interest rate depends on the size of the first payment (from 50% to 15%). But for the conditions that can be obtained under the refinancing program, the purpose of obtaining a loan is of decisive importance. Under agreements under which credit funds were issued for any purpose, and real estate is the collateral, the maximum refinancing amount can be only 9,000,000 Russian rubles.

Also, with the help of refinancing it is possible to change the currency of the mortgage. At the same time, Raiffeisenbank employees will convert according to official exchange rate bank operating on the day of the transaction.

Non-targeted loan secured by existing housing

Non-purpose loans have always been the most expensive. This is how the bank evaluates its risks. But an annual overpayment of 1-2% of the total amount may turn out to be insignificant in comparison with what can be obtained when the necessary amount is “on hand”.

Why do bank customers mortgage their own houses and apartments? In most cases, the situations are:

- urgently need a significant amount of money: for treatment or repairs;

- a big celebration is coming in the family (wedding, anniversary) or a long and expensive trip is planned for the vacation period;

- want to buy a car that does not qualify for the auto loan program.

In addition to interest rates that are higher than those of a targeted mortgage, obtaining a non-targeted loan will require the payment of a much higher down payment (40% or more). The loan term cannot exceed 15 years.

Apartment in a new building in "Installments"

Do you want to buy an apartment in a new building, but do not have enough own funds? You can wait and buy an object closer to the end of construction. But the best floors and layouts will be sold out long ago, and the price per square meter will inevitably grow. There is only one way out - mortgage lending.

Raiffeisenbank will come to the rescue with its mortgage program "Apartment in a new building in installments." This banking product offers to issue a mortgage on housing under construction for a very short period of time: from one to two years. That is, during the construction of the house. But at the same time, the interest rate is underestimated: from 10.25% to 11.75%.

In this offer of Raiffeisenbank, there are several undeniable benefits:

– the client acquires exactly the property that suits him perfectly;

- during the construction process, the stage per square meter will increase significantly more than the additional payments to the bank will amount to;

– the contract is drawn up in Russian rubles, it indicates all payments that need to be paid and the client is absolutely sure that his income will be enough to pay off the entire debt, besides inflation will not cause any harm to the budget;

- the bank carefully checks the developer, which serves as an additional guarantee that the latter does not have dishonest intentions and timely commissioning of the house.

Best prices for Raiffeisenbank clients

Raiffeisenbank respects and loves all of its clients. All activities of the institution are aimed at providing the most profitable and convenient services. I understand that each borrower, acquiring new housing, is not limited only to this purchase. All new settlers are accepted for repairs, buy furniture, household and climatic equipment, home textiles and other nice things needed in everyday life. Therefore, Raiffeisenbank organized a new project - Mortgage Digest. This is a catalog active shares from bank partners. In it you can find the most reliable sellers of goods in all cities of the Russian Federation where Raiffeisenbank has offices. The digest is regularly updated, new companies are added, and promotions become more interesting and profitable for buyers.

In the digest, you can also find the coordinates of reliable developers that provide significant discounts for Raiffeisenbank clients.

Cities where you can get a mortgage

Arkhangelsk	Kazan	Novosibirsk	Syktyvkar
Astrakhan	Kaliningrad	Omsk	Tambov
Barnaul	Kaluga	Eagle	Tver
Belgorod	Kemerovo	Orenburg	Tomsk
Blagoveshchensk	Kirov	Penza	Tula
Bryansk	Kostroma	Permian	Tyumen
Vladikavkaz	Krasnoyarsk	Petropavlovsk-Kamchatsky	Ulyanovsk
Vladimir	Mound	Pskov	Ufa
Volgograd	Kursk	Rostov-on-Don	Khabarovsk
Vologda	Lipetsk	Ryazan	Khanty-Mansiysk
Voronezh	Magadan	Samara	Cheboksary
Yekaterinburg	Moscow	St. Petersburg	Chelyabinsk
Ivanovo	Murmansk	Saransk	Chita
Izhevsk	Nalchik	Saratov	Yuzhno-Sakhalinsk
Irkutsk	Nizhny Novgorod	Smolensk	Yakutsk
Yoshkar-Ola	Novgorod	Stavropol	Yaroslavl

Mortgage loans from Raiffeisenbank in 2019 have low interest rates and favorable conditions: compare the features of mortgages for secondary and primary housing, loans for maternity capital and refinancing.

Raiffeisenbank mortgage for individuals 2019

Raiffeisenbank today is not one of the leading mortgage lending banks in Russia. As a rule, those clients who, for some reason, are not suitable for the conditions offered by Sberbank or VTB, turn there.

However, Raiffeisenbank has several significant advantages. For example, when considering an application, the bank may take into account the income of not only the borrower himself and his close relatives. You can increase the loan amount by showing the income of not only official, but also common-law spouses!

In addition, unlike many other Russian banks, Raiffeisen issues mortgages to individual entrepreneurs and business owners.

So, today in Raiffeisenbank you can take mortgage loans under favorable interest for the purchase of the following types of real estate:

apartment or townhouse on the secondary market
apartment in the primary market
finished house with land.

It is also possible to obtain a large amount of money secured by real estate for home renovation or for any other purpose.

Mortgage rates and conditions of Raiffeisenbank in 2019

Mortgages in Raiffeisenbank today are issued for up to 25 years, low interest rates are subject to comprehensive mortgage insurance.

Mortgage of Raiffeisenbank "Apartment on the secondary market"

This is a mortgage program for the purchase of an apartment or townhouse in the secondary market from Raiffeisenbank.

Terms

Term: from 1 year to 30 years.
Financing volume: up to 85% of market value mortgaged apartment.

Interest rate

Calculate your monthly mortgage payment

Mortgage of Raiffeisenbank "Apartment in a new building"

This program of mortgages in the primary market will help you buy an apartment in any of the 1,000 new buildings accredited by the bank.

Terms

Term: from 1 year to 30 years.
Amount: 800,000 - 26 million Russian rubles for Moscow and the Moscow Region / 500,000 - 26 million Russian rubles for other regions.
Financing amount: up to 90% of the value pledged for real estate for salary and premium clients / up to 85% for other clients / up to 80% when purchasing real estate in the Moscow region.

Interest rate

from 10.25% per annum in rubles - for salary, premium clients and when buying from developers accredited by the bank;

from 10.49% per annum in rubles — standard terms.

Doesn't fit? See what mortgage rates are offering today

Raiffeisenbank mortgage secured by existing housing

This program will allow you to buy an apartment in any building, regardless of its accreditation in Raiffeisenbank. it a good option to get a mortgage without a down payment.

Terms

Term: from 1 year to 30 years.
Amount: 800,000 - 26 million Russian rubles for Moscow and the Moscow Region / 500,000 - 26 million Russian rubles for other regions.
Financing volume: up to 85% of the value of the mortgaged property.

Interest rate

from 10.25% per annum in rubles - for salary and bonus clients;

from 10.49% per annum in rubles — standard terms.

Not satisfied? See what mortgage rates are offering today

Mortgage of Raiffeisenbank "Cottage in the secondary market"

This mortgage loan can be used to purchase ready-made country house with adjacent land.

Terms

Term: from 1 year to 30 years.
Amount: 800,000 - 26 million Russian rubles for Moscow and the Moscow Region / 500,000 - 26 million Russian rubles for other regions.
Down payment: from 40%.

Interest rate

from 12.75% per annum in rubles

See what mortgage conditions it offers today

Non-targeted loan secured by existing housing

This loan secured by real estate can be used for major purchases or apartment renovations.

Terms

Term: from 1 year to 15 years.
Amount: 800,000 - 9 million Russian rubles for Moscow and the Moscow Region / 500,000 - 9 million Russian rubles for other regions.
The amount of financing: up to 60% of the value of the mortgaged property.

Interest rate

from 11.99% per annum in rubles

See the terms of the mortgage at DeltaCredit Bank (Rosbank).

Mortgage with maternity capital in Raiffeisenbank

Convenient mortgage program for families with children. The loan is provided for the purchase of an apartment in the primary or secondary markets, or finished house. Maternal capital can be used as a down payment.

Terms

Term: from 1 year to 30 years.
Down payment: from 0%

Interest rate

from 10.25% per annum in rubles - for salary and bonus clients;

from 10.49% per annum in rubles — standard terms.

See also the conditions of mortgage lending in

State-supported mortgages for families with children

Raiffeisenbank also provides state-supported mortgages for families with 2-3 children at a reduced rate.

Terms

Term: up to 30 years;
Maximum amount: up to 8 million rubles in Moscow, Moscow region, St. Petersburg and Leningrad region/ 3 million rubles in other regions.
Financing volume: up to 80% of the value of the mortgaged property.

Interest rate

from 6% per annum in rubles.

The reduced rate applies:

36 months from the date of issuance of the loan in connection with the birth of the Borrower's 2nd child in the period from January 1, 2018 to December 31, 2022;
60 months from the date of issuance of the loan in connection with the birth of the Borrower's 3rd child in the period from January 1, 2018 to December 31, 2022.

After expiration preferential rate the level of the interest rate is changed to a level not exceeding the key rate of the Central Bank of the Russian Federation, set on the date of the loan, increased by 2 percentage points.

Mortgage refinancing at Raiffeisenbank

Refinancing allows you to borrow more profitable loan to repay them ahead of schedule current in another bank. Raiffeisenbank can offer more low rate or a smaller monthly payment due to an increase in the term of mortgage lending.

Terms

Loan term: from 1 to 30 years.
Maximum amount: 26 million rubles.
The amount of financing: up to 85 - 90% of the value of the mortgaged real estate.

Interest rate

from 10.25% per annum when refinancing a loan issued for the purchase of real estate;

from 11.99% per annum in rubles when refinancing a loan issued for other purposes secured by real estate.

Foreign currency mortgage refinancing

If you have an active mortgage loan in foreign currency at Raiffeisenbank, and you want to refinance it in Russian rubles, then the bank offers the Refinancing (Change of Loan Currency) program.

Interest rate

from 10.25% per annum in rubles - for salary and bonus clients;

from 10.49% per annum in rubles — standard terms.

How to get a mortgage at Raiffeisenbank

To make it easier to apply for a mortgage loan, you can follow the steps below:

Contact your bank for a preliminary consultation. This can be done by phone or at a bank branch;
Submit a preliminary application on the official website of Raiffeisenbank.
Prepare the necessary package of documents;
Send documents by e-mail or contact any branch of the bank;
Wait for a decision on your application. As a rule, it is received within 2-5 business days. If it is positive, then move on;
Choose a suitable apartment (the bank's decision is valid for 3 months), collect the necessary documents for real estate and submit them to the bank to your mortgage manager;
If the bank approves the apartment, agree on the date of the transaction and purchase the property.

Who can get a mortgage at Raiffeisenbank

The Bank sets strict requirements for potential beneficiaries mortgage loans. The main ones are the following:

Age:

from 21 to 65 years old at the time of loan repayment (with the obligatory conclusion of a combined mortgage insurance agreement);
from 21 to 60 years old at the time of loan repayment (without the obligatory conclusion of a combined mortgage insurance agreement).

Minimum work experience:

6 months with a total work experience of at least 1 year.
3 months with a total work experience of at least 2 years.
1 year if this is the first job for the borrower.

Borrower's minimum income:

20,000 rubles for Moscow / Moscow region, St. Petersburg / Leningrad region, Yekaterinburg, Magadan, Surgut, Tyumen at the main place of work after tax.
15,000 rubles for other cities and regions of Russia.

Minimum co-borrower income:

10,000 rubles at the main place of work after taxation.

It should be noted that mortgages at Raiffeisenbank can be obtained not only by employees, but also by business owners or co-owners, as well as individual entrepreneurs. It is only required that their company has been in business for at least 3 financial years.

An important criterion is also that the borrower does not have a bad credit history.

Documents for a mortgage in Raiffeisenbank

To obtain a mortgage loan, you must provide the following documents:

Application form for a mortgage loan;
Personal documents: Passport (original + copy), SNILS, Marriage / Divorce Certificate (original + copy), etc. at the request of the bank;
Documents confirming employment: Employment book and / or agreement from the place of work (Copy of the completed pages and a blank page following the last completed one, certified by the employing company) or others at the request of the bank.
Documents confirming income: Certificate in the form of 2-NDFL / Certificate in the form of a bank or others at the request of the bank.

When applying for a mortgage, individual entrepreneurs and business owners / co-owners provide a special package of documents to the bank, which can be viewed on the official website of Raiffeisenbank.

Raiffeisenbank mortgage in Moscow and St. Petersburg: special conditions

For residents of Moscow, when obtaining a mortgage at Raiffeisenbank today, special requirements are imposed, and loans are issued for special conditions. For example, the minimum amount of a mortgage loan from Raiffeisenbank in Moscow and the Moscow Region is 800,000 rubles, and for other regions - 500,000 rubles.

In addition, the bank may state that the apartment in Moscow, pledged, must be located in a house that does not fall under renovation, as well as built no earlier than:

1950, at least 4 floors high and have brick walls;
1950, at least 6 floors, regardless of the material of the walls;
1970, 5 floors, regardless of the material of the walls.

In St. Petersburg, an apartment in a house will be taken as collateral only not earlier:

built in 1930 and number of storeys not less than 4 floors;
Built in 1800 in the presence of a major overhaul carried out no earlier than 1960 (if the major repairs were carried out before 1960, the house must be with a metal type of ceiling).

The minimum income of the borrower is 20,000 rubles for Moscow / Moscow region, St. Petersburg / Leningrad region, Yekaterinburg, Magadan, Surgut, Tyumen and 15,000 rubles for other cities and regions of Russia.

Contacts for information

More about conditions and interest rates Raiffeisenbank mortgages can be found on the official website www.raiffeisen.ru or at bank branches.