Wtb 24 list of accredited facilities. Process and full list

VTB 24 partners provide insurance coverage for mortgages or car loans. All accredited Insurance companies in VTB 24 checked for legal capacity and financial stability. VTB 24 cooperates with some of the best and leading companies in Russian market.

List of insurance companies

When applying for mortgage lending or, you should be prepared for the fact that VTB 24 will require insurance. Without it, you will not get a loan in this bank. This is due to the fact that there is always a risk of theft or damage in the case of a car, and in the case of residential real estate, it must be insured against emergencies.

What insurance companies does VTB 24 cooperate with? Among the list of 27 companies you can choose the one where insurance will cost you the least or with which you have already cooperated more than once. All of them, to a lesser or greater extent, have been on the market for a long time. TOP-27 approved insurance companies by VTB Bank in 2020:

LLC VTB-Insurance.
OSAO "INGOSSTRAKH".
LLC "Rosgosstrakh"
OJSC Alfastrakhovanie.
SOAO VSK.
LLC SK "Consent"
OAO SOGAZ.
OSAO "Reso-Garantiya".
LLC IC "CARDIF"
ZAO MAKS.
Renaissance Insurance Group LLC.
JSC SG UralSib.
OAO NASKO.
JSC GSK Yugoria.
ZAO AIG.
OAO SG Spasskiye Vorota.
OJSC SAK ENERGOGARANT.
JSC IC PARI.
Liberty Insurance (JSC).
Absolut Insurance LLC.
LLC "Insurance company" EchDiAy ".
OOO SO Surgutneftegaz.
JSC IC REGIONGARANT.
LLC "Zetta Insurance"
BIN Insurance LLC.
LLC "INSURANCE COMPANY" ARSENAL ".
JSC Tinkoff Insurance.

The official website of the bank provides companies that meet the requirements for cooperation. Addresses and phone numbers can be found on the official websites of companies. There is also an option to call the phone number in VTB 24 ( hotline – 0 800 507 760 ).

Accreditation of insurance companies

The provided insurance companies will take care of your insurance protection. What requirements are mandatory for VTB 24? The requirements for insurance companies are the same:

Valid insurance license.
Conducting insurance activities for 3 years or more.
Absence of overdue debts to the budget, other funds and creditors.
Statutory capital complies with the standard established by the government of the Russian Federation.
The placement of reserves takes place in accordance with the decree of the Ministry of Finance of the Russian Federation.
Absence of violations.
The insurance company is not bankrupt.
Executive funds amount to no more than 10% of the statutory capital.
Insurance premiums account for up to 75% of the total.

If one condition is not met, the insurance company is no longer subject to analysis financial strength. She is excluded from the list of partners recommended for cooperation.

Financial Strength Requirements:

The insurance reserve coverage ratio of the IC must be greater than 0.3.
The share of the debt burden should not exceed 25%.
The share of collateral for the IC must exceed 20%.
The loss ratio of the company should be from 20 to 75% (depending on the type of insurance).
The share of expenses should be between 50% and 60%.
The profitability ratio of the insurance company must exceed 0.03 (other insurance) and 0.1 (life insurance).
Coefficient of insurance and economic activity exceeds 0.03.
The share of solvency is more than 85%.
The TL coefficient is 0.5 (other insurance) and 1 (life insurance).

If violations occur, the company is excluded from the list of accredited companies. Mortgage required compulsory insurance residential property. Companies that have been operating on the Russian market for a long time inspire the greatest confidence.

When car insurance, the client can issue CASCO in any other organization. The main thing- it must meet all of the above requirements.

Then accreditation will be issued to her. An application for another insurance company is considered within 21 working days (but not in the case of a mortgage).

Policies with minimal costs

As you have seen, there are quite a lot of companies cooperating with VTB 24. If you have not encountered them before, then a consultant at the bank can indicate the insurer that is beneficial to the bank and with whom he works. When choosing insurance, you should pay attention to the following parameters:

Volume of insurance premium. The lower the cost of the policy, the less you will need to borrow. This is especially true for mortgages, where the down payment is large and almost equal to the cost of the car.
Periodicals. It all depends on your ability to pay. You can pay right away - great. If not, immediately choose insurance with installment payments.
Risks. With a large set of risks, you will need to pay a tidy sum.

Auto insurance at VTB 24

Without CASCO, you will not receive a loan for the desired car at VTB 24. CASCO is issued for a period of 1 year, but it will need to be extended for the entire loan period from possible theft and other damages.

An approved accredited company can only be changed by a client to an accredited one after a year. You can renew the policy in case of expiration within 10 business days.

The amount insured must be market value car. But the cost may change when signing new insurance agreements.

In the event of damage to the car, the amount is paid in accordance with the wear and tear of the car. If you cooperated with a service station in case of breakdowns, then the insurance company pays the cost of repairs in full.

Savings on auto insurance

Here, the only savings option is insurance for the remaining amount of the loan. According to the regulations on insurance, it must be made at the market value of the car. But this will not be an unshakable rule.

conclusions

The accreditation of the company is a bank guarantee against losses when issuing a loan to a client. This will be beneficial for the client both when concluding a mortgage agreement and with a car loan. The list of companies guarantees the client a willingness to help, as only the best insurers are on the list. If you have been cooperating with VTB 24 for a long time, then there is an opportunity to issue a policy on special conditions. It will be easier to get both a policy and a loan.

The choice of housing for most domestic buyers sometimes turns into a real problem. The Russians are offered a wide variety of options, but they need to raise a large amount of money. The best solution would be to apply for a mortgage at a bank, but to obtain it, you will need to collect a set of documents. You can avoid difficulties if you choose real estate from the list of accredited new buildings from VTB 24. Mortgage lending in this program eliminates the risks when choosing a home and eliminates the routine of collecting documents.

Apartments in new buildings available for mortgage lending in VTB 24

The bank is in partnership with apartment sellers, so housing will be directly from the first hand.

Benefits of choosing accredited apartments

The undoubted advantages include the following:

each object is carefully checked by the bank's specialists. They also collect a set of papers;
housing is checked by lawyers;
the cost of apartments is lower than that of resellers. Real estate is purchased directly from the developer;
the term for checking the client and the mortgage object is reduced. The contract is signed as soon as possible. A list of affordable housing is always available on the VTB website;
the program provides for certain benefits, for example, the opportunity to receive minimum percentage or the use of government support.

Flaws

Despite the obvious advantages, the program has a number of disadvantages:

the bank's partners mainly offer apartments in facilities under construction, so you will have to wait for the completion of construction;
housing is sold without interior decoration;
The amount of housing depends on the size of the city. In small settlements, there may be only 1-3 accredited apartments;
preferential rates for government programs will be valid only after the completion of construction.

Conditions for granting a mortgage in VTB 24

On the official website, you can choose suitable housing from accredited new buildings from VTB - the list is constantly updated. Mortgage is provided under the following conditions:

a loan can be taken in the amount of 600 thousand to 60 million rubles;
the base loan rate is from 10.1%. It can increase by 0.5% if you receive a salary in another bank. If you refuse insurance, the rate increases by another 1%;
term of granting up to 30 years;
down payment of 10%.

After choosing housing, you need to submit an application to VTB for participation in the program. This can be done directly at the branch or through the official website of the company.

List of accredited new buildings in VTB 24

For the convenience of clients, VTB specialists have created a unified database of accredited real estate.

To reduce the loss of time, the program uses the selection of real estate by locality. To search in other cities, it is enough to manually set the correct search parameters and wait for the result. The interactive map available on the site helps to visualize the process and makes it more comfortable.

Conclusion

Program mortgage lending for accredited new buildings from VTB 24 relieves buyers of most of the risks, reduces time losses and makes the process itself comfortable. For any questions related to the mortgage, you can get advice from the bank's specialists at a free round-the-clock number.

Any mortgage in a financial institution requires an appraisal of an apartment or other property. it mandatory operation, which is spelled out in the Mortgage Law. In this article we will analyze VTB 24 appraisal companies how they carry out the procedure, what is needed for a positive result and we will answer all the basic questions related to the assessment of the apartment.

Valuation organizations are very popular, as the procedure is required not only for real estate, but also for cars, services, property rights and even debts. The task of the company is to determine the real price for a particular object. The specialist gives reasoned arguments about the market value of a certain type of property.

The borrower is primarily interested in the organization valuing the apartment in the amount that he borrows from the bank to purchase housing. VTB24 Bank works according to the standard scheme and provides the borrower with a loan for the amount indicated in the apartment appraisal results. The property can be sold at the same price if the client has not met the requirements of the financial institution.

Sometimes the seller of an object wants to receive a large amount money than indicated in the appraisal act. In this case, the borrower has to look for additional funds, as the bank lends funds to the client based on the results of the assessment. You need to understand that each city has its own valuation organizations, you can choose independent experts yourself or get a recommendation from VTB24. The financial institution cooperates with companies, the list of which the client can get acquainted with when confirming the mortgage.

Package of documents

All organizations work according to the same scheme, so the set of documents for submission is common. If you want to evaluate an object planned for purchase, then the following papers must be provided to the company:

Passport;
Technical passport, cadastral can be used as an alternative;
Residential plan;
Purchase and sale agreement or other document that confirms the right to own the object;
When buying an apartment in a high-rise building under construction, a certified share agreement will be required;
In case of purchase secondary housing built before 1970, you will need a certificate confirming that the building will not be reconstructed or demolished in the near future;
For houses built before 1960, you will need a document describing the type of flooring.

Process and full list

The procedure requires several steps. The first stage involves the search for a suitable company, it is desirable that it be recommended by VTB24. You can explore the VTB 24 list of appraisal companies by clicking on this link. An Excel file with an up-to-date list is downloaded to the computer. Find your area and find the right organization. The list contains contact details for each company.

The client can choose an organization on his own, but it must fully comply with the requirements of the bank. The criteria are listed in the official document from VTB24, we recommend that you familiarize yourself with it if you decide to look for appraisers on your own. When a suitable specialist is found, it must be agreed with VTB24. The speed of receiving funds and the confirmation procedure is noticeably accelerated if the client contacts a company accredited by the bank.

The next stage is a visit to the organization that carries out the assessment. Further actions are performed according to the following scheme:

You conclude an agreement with a specialist for the valuation of certain real estate;
Together with an expert, you need to visit the apartment you plan to buy;
After the visit, you pay for the services of a specialist;
The organization analyzes the papers provided by the client, checks the living space and makes its decision.

The experts must make sure that the characteristics of the apartment correspond to the data from the documents. Specialists take photos of residential premises for further study. If deficiencies are found, the price is reduced.

Companies use various methods to calculate, including taking into account the positive and negative aspects of a particular object. The final step will be the preparation of the reporting document. This paper must be taken to the bank, after which financial institution will issue a loan for the specified amount.

You have read the list and now you know which specialist to contact in your city or region. It is also worth considering the difficulties that the borrower may encounter when evaluating housing.

Sometimes companies overestimate or underestimate the price of an apartment. It goes without saying that an overestimation of the market value for the bank will be a disadvantage, so more often experts underestimate the price. In this case, the borrower needs to look for additional funds, since the person who put the apartment up for sale demands a higher price.

There is such a situation when the specialist did the analysis incorrectly average cost to similar properties in your area. Sometimes organizations do not take into account the condition of the living space. The issue can be resolved in favor of the borrower if you follow the recommendations:

Use an alternative company from the VTB24 list;
Request a re-evaluation of the apartment and indicate the reasons why the operation was performed incorrectly;
Design additional credit, arguing their actions by the discrepancy between the price from the seller and the value determined by the appraiser.

As for the cost of the service itself, each company has its own prices. Also, the price depends on the region and on additional factors: the location of the house where the apartment will be assessed, the urgency of the procedure, the features of the object. This table shows the average prices for the service. As you can see, in major centers the cost of the appraisal is quite high.

What appraisal companies does VTB 24 work with?

We recommend that you immediately start this procedure, as the assessment may be delayed. Remember that a financial institution makes it possible to find housing, evaluate it and apply Required documents within 3 months. After this period, you will have to re-apply for a loan and go through all the stages. After studying the documents, you will find out which VTB 24 accredited mortgage appraisal companies can help you, it remains to choose a specialist and act.

Welcome! Today we’ll talk about VTB 24 accredited insurance companies. In this post, you will find out which bank vtb accredited insurance companies, is it possible to choose an insurance company outside this list, what is VTB Insurance and what are its pros and cons.

In order to protect against possible risks and force majeure circumstances related to the life, health or safety of property, the borrower under the mortgage and car loan programs will have to take out insurance. We can talk about both property insurance and a comprehensive insurance contract. Customers of VTB-24 Bank have the opportunity to insure liability in any accredited insurance company of their choice. Let's see which companies are included in such a list.

VTB 24 Bank for most of its loan products(mortgage, car loans and consumer loans) puts forward a conditionally mandatory requirement - to conclude an insurance contract. Depending on the type loan agreement you need to insure:

property (house, apartment, vehicle) from damage, destruction or loss of property rights;
health of the borrower/mortgagor (from injury, injury, illness and disability);
the life of the insured person.

When applying for a loan at VTB 24, customers will be able to use the services of insurance protection only in those insurance companies that have been accredited by the bank. Such companies must be financially and legally sound, have an appropriate permits and work in the domestic Russian market for at least 3 years.

The terms of insurance in the bank have the following characteristics:

the owner can act as the insured of the property pledged to the creditor (on the basis of the provided document on the right of ownership);
the insurance amount can be added to the total debt (must be reflected in the payment schedule);
choice of specific insurance policy or insurance programs are discussed jointly with the bank and the insurance company, as for some loans it is recommended to purchase full insurance (including the life and health of the client).

A potential borrower, when a positive decision is made by the bank on issuing a loan on the basis of the law, has the right to refuse insurance, however, in this case, the likelihood of refusal in further cooperation will increase significantly. With the help of an insurance policy, the bank minimizes possible risks and future losses and costs. A client's refusal to take out insurance automatically turns his loan into a high-risk one, which is extremely unprofitable for the lender.

We are waiting for your questions in the comments. An online mortgage lawyer is always available for you. He can help you solve all the basic issues of the transaction. Sign up for free consultation in a special form.

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