10 best banks for a profitable mortgage

MIbank is popular with people who want to profitably take a mortgage loan. The list of its advantages includes the ability to apply online, quick decision making, the provision of a personal manager for the entire period of communication with the bank, and, of course, affordable program conditions. The institution is ready to provide an amount from 100 thousand to 30 million rubles for up to 30 years at a minimum rate of 6.9%, provided that the borrower pays at least 50% of the cost of housing.

If the initial payment is 15%, the rate is taken higher - 7.5%, with a 10% contribution - 8.5%. It is important that the bank assumes that the client will pay only 5% of the price of the apartment if he has a certificate for maternity capital. The requirements for the borrower are quite loyal - it is only important that he be at least 22 years old and at the time of closing the mortgage no older than 65 years old, have worked for at least 3 months at the last place of work.It is even possible to obtain a loan in the absence of confirmed income - the so-called mortgage on two documents, a passport of a citizen of the Russian Federation and a TIN certificate.

Dom.RF is the only 100% state-owned institution for the development of the housing sector. The institution is engaged in mortgage lending in Moscow and beyond. The site has a very convenient online calculator that will allow you to accurately calculate the possible conditions for future lending. All possible options have been taken into account.

The terms of the mortgage loan are as follows: you can get up to 30 million rubles for a period of thirty years. Ordinary customers can count on a rate of 7.8% for a new building and 8.6% for a secondary market. There are no commissions. The bank also has good conditions for military mortgages. Dom.RF offers the military up to 3 million 252 thousand rubles at 7.5% per annum. You can take out a mortgage if the client is over 25 years old. It is necessary to pay before the age of 45 and entering a preferential pension. It is interesting that Dom.RF did not deprive medical workers of their attention, offering them to buy housing at a reduced rate of 7.6% with a minimum initial payment of 10%. An important nuance: in some cases, Dom.RF may apply a variable interest rate, which varies depending on financial indices. So the overpayment can grow up to 10% per year, or even higher.

Genbank is not the most well-known financial institution outside of Crimea, which allows you to get a profitable mortgage for standard requests. The bank offers four mortgage programs for buying an apartment in new buildings and on the secondary market.It is convenient that the offers have the same conditions: Genbank is suitable for those who have not yet decided which apartment they want to buy from. Interestingly, Genbank's concept of "apartment" also includes townhouses registered as an apartment: not every bank will allow you to purchase such housing.

The loan is issued for a maximum period of 25 years. The rate in all lending programs starts at 8% (6.9% with state support) per annum, but may increase depending on a number of conditions: for example, individual entrepreneurs receive a rate of 1% more, and the lack of insurance, salary account, positive credit history raise rate of 0.5% per point. As a down payment, you must pay at least 15% of the cost of housing. You can receive from the bank an amount of up to 15 million rubles. It is inconvenient that the bank considers mortgage applications for a long time: from 10 days for ordinary people, pensioners and sailors, and from 20 days for clients who have a private practice or own their own business.

State bank, one of the thirty largest in Russia. Deservedly won the trust of customers for almost 20 years of stable work. Rosselkhozbank is loyal to young families with children and the military. Therefore, in mortgage lending programs, you can find the most profitable options for these categories of the population, as well as for payroll clients. Offers several interesting mortgage projects, including at reduced rates.

I am pleased with the really large loan amount - from 100 thousand for really budget housing to 60 million rubles for a beautiful apartment. You need to pay in a period of 1 to 30 years.The minimum rate for non-military and non-beneficiaries is 7.5%, but the bank often arranges various promotions with reduced interest. The minimum down payment is not less than 10% of the value of the apartment. Rosselkhozbank has favorable conditions for the military: you can get a mortgage at a bank with a rate of only 7.5% without any special restrictions, except for age and length of service. Among the special offers are mortgages for housing in rural areas at a rate of 2.7%, in the Far Eastern District - 1.7%, under an agreement on participation in shared construction - 2.55%.

Alfa-Bank is the largest private bank in Russia, capable of offering favorable conditions to its clients. It allows you to purchase housing in new buildings or on the secondary market, as well as refinance an existing loan or mortgage housing for money. It is especially pleasant that Alfa-Bank makes it possible to lend not only to Russian citizens, but also to Ukrainians and Belarusians. The main thing is that the client has at least a year of experience in general and at least 4 months at the last place of work in Russia.

The conditions of the bank are not the most favorable on the market, but quite competitive. Alfa-Bank makes it possible to obtain a mortgage with a rate of 5.99% in case of registration for housing under construction and from 6.19% for the purchase of an apartment in the secondary market. The bank can issue up to 12 million rubles for facilities in Moscow and Moscow Region for a period of 30 years, up to 10 million in St. Petersburg and up to 5 million in other regions. Note that the rate depends on the down payment: it will increase by 0.5% if at least 20% or more is not paid (with a minimum contribution of 15%).Payroll customers can count on a further 0.3% rate cut. It is convenient that you can use the maternity capital as a down payment or make it later. However, there are no special programs for young families in the bank.

Promsvyazbank is ready to issue up to 30 million rubles for a period of 25 years in Moscow and St. Petersburg, in the regions - up to 20 million rubles for the same period. The bank also allows you to mortgage existing housing in order to receive money for personal needs. The minimum rate is 8.1%, there is also a preferential percentage of 7.7%, but only for employees of the military-industrial complex with a salary card. Another benefit is available for buying an apartment in a new building, subject to certain conditions (loan amount from 7 million in Moscow, from 5 million in St. Petersburg and from 3.5 million in the regions, availability of insurance and a down payment of 15%) . In other cases, the percentage will rise steadily. For housing from the secondary market, there is a minimum rate of 8.1%, but also with reservations.

The main advantage of Promsvyazbank is a fixed preferential rate for families with children in the amount of 3.99%, which is currently the smallest among the federal banks of Russia. The rate is less found only in some regional banks, but with a bunch of nuances. However, under this program, you can take housing worth no more than 12 million rubles in Moscow and St. Petersburg, or no more than 6 million in the regions. Insurance is also required: without it, the rate will increase by 5%.

One of the largest private banks in the country, able to offer normal mortgage terms. In reviews, customers often praise employees for promptness and openness, so there should be no problems with service. I am glad that FC Otkritie has several mortgage programs for different purposes. You can take money both for secondary housing and for an apartment under construction, or you can refinance a mortgage in a foreign bank.

FC Otkritie offers a rate of 7.5% for the purchase of apartments in new buildings and 9.85% for refinancing an existing mortgage. The interest is low and quite profitable. The bank does not officially require a salary card or other conditions. But how he will calculate the percentage in fact is unclear. The repayment period is generally quite large - from 5 to 30 years. The initial payment is at least 10% of the price of housing. The maximum mortgage amount has recently decreased, and now the bank is ready to give no more than 30 million rubles for the purchase of housing in the primary and secondary markets. I am glad that when applying for a loan online with all the necessary documents attached, the rate is reduced by 0.5%, and you will need to come to the office once - already to sign the documents.

A successful universal bank with a variety of mortgages for any needs. Ready to provide the most favorable conditions. Especially if you pay a little extra. Rosbank has eleven mortgage programs for different needs. Minimum rates range from 3.2% to 9.89%. Unlike Zemsky Bank, Rosbank does not officially limit the maximum loan amount, but calculates it according to solvency and many other factors. So you can choose the option according to your desires.

The smallest initial payment is 15% of the apartment price. I am glad that the bank can issue an additional loan for the first installment if its own money is not enough. Pay off the mortgage in 25 years. Three services are available to reduce the interest rate - by 0.5, 1 and 1.5%. But they will have to pay a certain percentage of the total loan amount - 1, 2 and 4%, respectively.

A bank that seeks cooperation primarily with civil servants and employees of large companies. Ready to offer favorable conditions. In Transcapitalbank you can get up to 15 million rubles for a period of 25 years. The rate in this case starts from 6.99%, but the first installment must be at least 20%. In the reviews, clients note that TKB quickly responds to mortgage applications and often approves them. Pleased with good service and responsibility of employees.

Pleased with the conditions of favorable mortgages from partner developers. The program is called "Special Mortgage", and it allows you to purchase housing in certain complexes from JSCB "Investtorgbank" at a fixed rate of 7.9% and without a down payment. To receive a minimum rate of 7.4%, you must pay extra for a reduction in interest (the “Favorable” tariff allows you to reduce the rate by 1.5%, but you need to pay an additional 4.5% of the loan amount), as well as be an employee of a state or large company (from 500 employees), while paying 40% of the cost of the apartment in the form of a down payment. As of autumn 2020, you can buy a townhouse and an apartment on the primary and secondary markets in the Moscow, Volgograd and Ivanovo regions at a reduced rate.

The largest and most reliable bank in the country is able to please with low rates on primary and secondary apartments. I am glad that the institution's website has a convenient calculator with all the calculations and indicators for reducing/increasing rates. In addition, Sberbank is open to pensioners - at the time of the end of the mortgage, the borrower may be 75 years old!

Sberbank offers from 5 to 100 million rubles for a period of 1 to 30 years. Minimum bet on general terms - only 7.3%, families with children are offered a program with 12 million at the lowest rate on the market - 4.7%. Initially, the future owner of the apartment will need to pay a down payment of 15% of the total amount. Such a low rate is guaranteed by Sberbank only when buying housing under construction or an apartment in a new building. For secondary housing, it is much higher. I am glad that Sberbank allows you to build your own house on a turnkey basis with partners. Housing will be built in three months, and there is no need to draw up an estimate, look for a deposit or a guarantor. However, such pleasure will cost at least 8.4% per annum.