Where and how to get a mortgage in Chelyabinsk - features and recommendations

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Today, the main problem of a young family is the acquisition of their own apartment. It's really not easy. If relatives do not have the opportunity to help young people, then they will have to take loans from banks with a high interest rate. Despite all government programs, not every family can afford to repay a large loan. Difficulties arise already at the design stage. Banks try to minimize their risks, so they arrange various checks of the data provided. Today we will talk about how to get a mortgage in Chelyabinsk, what problems may arise and what you need to be prepared for.

Offers of help

Today you can see them almost everywhere: "I will help you get a loan", "I will arrange a mortgage for a small fee" and the like. But you need to be aware that no one will take unnecessary risks. The purpose of such ads is to collect a commission for "help". Let it be500 or 1000 rubles, but such intermediaries are not responsible for anything, because they place an application with the bank, which, in turn, will give the final answer. With the same success, you can make a request to the bank yourself. But since it is not easy to get a mortgage in Chelyabinsk, people decide to play it safe and pay "professionals" for the service.

Lending programs - do they work?

Undoubtedly, deals are made every day and people move into new homes. Another thing is that the verification of customer data is very thorough. But the bank also has risks. A financial institution must issue about two to five million rubles, and then wait twenty years for the return of this amount. And if a person in a few years becomes seriously ill and loses his job in connection with this? Are small children registered in the apartment? Will the bank be able to sell this apartment, which is a collateral, or will it take many more years to litigate with the client? All these risks result in high interest rates. That is, the payers also cover the losses incurred by the bank in such cases.

Bank conditions

Today we want to figure out how to get a mortgage in Chelyabinsk. More than 20,000 housing loans are issued in the region every year. At the same time, 20 banks offer such programs. The leaders are Sberbank of Russia and VTB 24. In addition to them, Otkritie, UniCredit, MDM Bank, Rosbank, Alfa-Bank, etc. operate in this segment.regional - Chelyabinvestbank, UralPromBank and Uglemetbank.

However, the conditions are quite tough. Rates reach 22.4% per annum on ruble loans and 12% on foreign currency. At the same time, the rate directly depends on how much the client was able to convince the bank of his solvency. Therefore, if you are thinking about how to get a mortgage in Chelyabinsk, you must definitely talk with the employer so that taxes are paid on the entire amount of wages. In addition, open a deposit in the selected bank and start deducting a certain amount every month. In about a year, you will have proof of solvency. Participants of salary projects, as well as borrowers who have at least 30% of the value of the object on their bank account can count on a low interest rate.

Basic Requirements

Not everyone has the time to settle things with the employer and save money on a deposit. How to get a mortgage in Chelyabinsk faster? To do this, you must own something that the bank can accept as collateral. For example, you have a small apartment. The bank can accept documents for it as collateral and give money to buy another one. Or you need to have a down payment. The larger it is, the easier it will be to make a deal. A certificate giving the right to maternity capital can also be used as a down payment. There are other government subsidies that are accepted by banking structures. For example, there is a special program for military personnel.

If you don't have any ofof the above, then try to provide documents confirming a solid work experience in one organization and a high official salary. In this case, the chances of your application being considered fall, but remain. And if the listed cases do not apply to you, and there is no amount on hand sufficient for the down payment, then you can not spend money on going to banks - the answer will be negative.

Calculate the monthly payment

Be sure to evaluate your capabilities. For this, there are special calculators that will allow you to estimate how much a mortgage in Chelyabinsk will cost you. A bank manager can also calculate interest rates for you completely free of charge. If you take 2 million rubles for five years, then the monthly payment will be 45,000 rubles. This is if we talk about the lowest interest rate, that is, 12%. By stretching the payments for 10 years, you get a more attractive amount, namely 28,000 rubles. Then you will lose a lot due to overpayment. For example, if you take a loan for 20 years, you will pay only 6,000 less per month, but you will pay back twice as much.

What a young family should do

So, if you doubt that the application will be approved, then try to save some money. Yes, it is difficult, especially when renting an apartment. You can temporarily move in with your parents, and save the amount that went to pay for housing, adding at least the same amount to it. This disciplines and accustoms to a future life with a loan. The payment process is very long. Taking out a loannewlyweds, you will have time to raise children before you pay him off in full.

Several credits

Since there is actually a mortgage for housing in Chelyabinsk, but in reality you still need to try to get it, you have to go for tricks. Do you have loans? Forget about the approval of the application. In the best case, you will be offered a re-consideration of the application with their full repayment. Of course, before you receive money in this bank. So what needs to be done? Find an apartment whose owners are willing to wait a while. Submit the documents to the bank. If you don’t have enough money on hand to pay the down payment, you will have to get it with a second loan.

Judging by the reviews, Delta Bank rarely refuses its clients. But it must be borne in mind that completely hopeless cases will not be considered anywhere. That is, these are options when a person does not have collateral, a down payment, or official employment. After you receive an official response that the application has been approved, you can quickly apply for a consumer loan at another bank. From it you can pay off existing loans that are already “highlighted” during the audit, and take the supporting documents to the bank where you will apply for a mortgage. The remaining amount is used to make a down payment.

First chores

If you think this is the end of it, you are wrong. Get ready right away, it's a mortgage. It is possible to take out a mortgage on an apartment in Chelyabinsk, but it is long and quite costly.money. So, as soon as a positive decision is made, you need to order a cadastral passport and pay for its prompt production. After that, representatives of the appraisal organization will come to you to inspect the acquired property. It will cost 2000 rubles. If you are lucky, there is proof of income and the minimum interest rate has been calculated, then it will be 12.5 per annum for fifteen or twenty years.

But that's not all. When choosing where to get a mortgage in Chelyabinsk, try to find a bank where there is no commission for issuing a loan. Otherwise, you will give another 11,000 to 25,000 rubles. In parallel, insurance of the apartment (title and safety), as well as the life and he alth of the borrower, is issued. It will have to be paid annually. You can refuse insurance, but then the interest rate will increase. They make insurance premiums from 7,000 to 10,000 rubles a year.

Loan approved

As you can see, everything is not as fast and cheap as it seemed. Therefore, before thinking about where and how to get a mortgage for an apartment in Chelyabinsk, you must definitely weigh your financial capabilities well. The bank will approve the selected apartment in a couple of days from the moment the appraisers arrive. After that, you can make an advance to the seller, 15% of the cost of housing. Remember, this is why we took out a consumer loan. In some cases, the bank may require 30%, this amount is just prescribed as a down payment.

The deal itself will take place in another week. Now you will need to come to the bank office and sign all the papers. The buyer writes a receipt that he received the down payment. Now you can go to the Regpalata and register the deal. Documents will be ready in about a week. Now you get a mortgage for the bank, and as soon as it is with the managers, the buyer will be able to receive the full amount in his account.

How to get a mortgage without a down payment

In Chelyabinsk, as well as in other cities of Russia, it can be quite difficult to take a consumer and mortgage loan in parallel. Therefore, clients often want to avoid this moment and take out a loan for the full cost of housing. But this can be a serious problem. To avoid them, you can negotiate with relatives who can arrange their housing as additional collateral. Then the bank will more easily agree to give you the amount you need to complete the purchase and sale transaction.

The second option is for someone to act as a guarantor. It is very important that this person owns an apartment or a car, and even better, both. In addition, he must be employed and receive an official salary.

Cottage or house

Mortgage for a private house in Chelyabinsk is taken even more difficult than for an apartment. Today, many families are considering this option. For some, this is an opportunity to live in an ecologically clean area, others want to grow fresh vegetables and fruits on their site. In any case, a private house looks more attractive than a tiny apartment. Unfortunately buy it prettyexpensive, so you will have to resort to borrowed funds.

What is the difficulty

A mortgage on a house in Chelyabinsk will only be approved if it meets a number of requirements. This is an object that has less liquidity compared to an apartment. Therefore, banks very carefully evaluate its condition, location, and even the materials from which it is built. This is understandable, they are primarily interested in whether they can quickly sell it and return the money spent.

Some credit institutions will immediately answer you that it will not be possible to get a mortgage on a house in Chelyabinsk. A mortgage on a house in banks is issued, you just need to collect more documents. So there are a few key features.

• If the location of the apartment does not affect the decision too much, then here it will be a key factor. Communications and technical condition of the house will also play an important role.
• The pledge also applies to the land.
• Mortgage interest will be higher than in the case of an apartment.
• You will have to count on additional bank fees.

Instead of a conclusion

As you can see, mortgage registration requires a sober view of things and a complete package of documents that can confirm solvency. If today you are not ready to provide them to the bank, then it is probably too early to think about mortgage lending. You can go to the bank and ask them to make you a preliminary calculation. To do this, take a certificate of wages,tell the manager about the available loans, property, business. In this case, you will roughly know what you can count on.