Bank "Tinkoff", mortgage: reviews, conditions

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

When there is a need for real estate, the necessary amount for its purchase is not always found. In addition, not all borrowers are willing to spend time looking for banks and reviewing loan programs. Everything depends on desire and time. But there is an organization that can solve all these problems for you. It is the first Russian Internet bank "Tinkoff". Mortgage, reviews and features of its registration in this company have become one of the most popular requests today. Therefore, we decided to analyze the existing reviews and understand the benefits of offers from this bank. What are the features of such a treatment? What amount can you expect? And how is the registration procedure different from other credit organizations?

Brief information about the bank

Tinkoff is one of the most unusual banks in Russia, specializing in customer service via the Internet. Initially, it was called "Khimmashbank" and was established in 1994. After 11 years, it was bought out by the well-known entrepreneur Oleg Tinkov, who managed to radically not only change the name of the financial institution, but also revise the very principle of itswork.

What services does Tinkoff offer?

Since its appearance on the financial market of the Russian Federation, Tinkoff (mortgage is a service that has appeared here recently) has completely abandoned the generally accepted standards of work. His goal was to make maintenance as light as possible with as little effort as possible. For example, all services provided by this credit guarantor were performed remotely. And the only office of the company was a real branch of the bank, located at the address: Moscow, 1st Volokolamsky proezd, 10, building 1.

As it moved on the domestic market of credit services, the bank created and offered various products. One of the most famous among them was online credit cards. They are still a kind of business card for the company. Not resting on their laurels, representatives of the guarantor periodically introduce new services and services. So, from a recent moment, tempting deposit programs have appeared in their financial menu, providing for the quick issuance of debit cards.

Even later, the bank began to offer the services of a professional loan broker. This time, housing loans appeared in the portfolio of banking products, which became the new flagship of the Tinkoff company. Mortgages, the terms of which were selected on an individual basis, very quickly won the hearts of new and old clients of the guarantor.

Brief essence of mortgages at Tinkoff Bank

Unlike other financial institutions, the bank itself does not issue housing loans. ATin this case, he acts as a credit intermediary and offers mortgage products to his partners. His responsibilities include accepting online applications from clients wishing to receive a housing loan, as well as fully advising them on lending issues. Then he collects the necessary package of documents from potential borrowers and submits response requests to other partner banks. After that, the lender can familiarize himself with the possible options and select the appropriate mortgage program. This is how Tinkoff (bank) actually works. A mortgage is not issued here, but professional assistance is provided in its selection and registration.

Mortgage loans at Tinkoff Bank - is it profitable?

Making mortgage loans is a very sensitive and serious business. Therefore, it is so important to choose not only a bank, but also a loan officer who will help in word and deed. In response to your appeal, Tinkoff Bank (a mortgage in this organization will help solve existing housing problems) will offer you a number of privileges. For example, if you have the relevant documents, you can get a loan in the amount of up to 100 million rubles.

Besides this, not just a one-time free consultation awaits you, but a long-term communication with a personal manager. It is he who will be able to dispel doubts and erroneous opinions about bank loans, calculate the amount of overpayment and draw up an approximate loan schedule.

In addition, a mortgage at Tinkoff Bank (reviews on the service provided can be found below) involves making a down payment within 15%. Besidesif you take a housing loan through the Tinkoff institution, you can save a whole percentage of the bank rate. And this is much more profitable than contacting the lender directly. For comparison: for loans in domestic currency, the rate starts from 10.5%.

Finally, applying to this financial institution will help increase the chances of loan approval. This is due to the fact that the client's application is sent to several banks at once. This will significantly reduce the search time and narrow the circle of potential creditors.

Tinkoff: mortgage, reviews (Petrozavodsk)

Despite the fact that the bank offers brokerage services quite recently, many people have already used them. For example, real laudatory odes to a financial organization can be heard from the residents of Petrozavodsk. Some of them are inspired by the qualified service and courtesy of Tinkoff Bank employees, who can easily consult and answer questions by phone.

Other users who were interested in the Tinkoff mortgage (reviews about the program can be heard from people with different income levels) liked the simplicity of the procedure. According to them, they only sent an application, and the company's employees did everything else for them: they agreed with the bank, with insurance and appraisal companies. In a word, "all inclusive", or all inclusive.

Third liked the ease of payment. According to them, monthly payments can be transferred without problems through terminals in Euroset, as well as in"Connected". Fourth are satisfied with the fact that the bank's intermediary services are absolutely free for their customers.

As you can see, many people are happy to ask questions to those who took out a mortgage at Tinkoff Bank. Reviews of these experienced borrowers help to assess the possible risks and get a lot of useful advice.

How is the service provided by the bank?

To receive bank services, you must send an application. It should contain the following data:

• your full name;
• contact phone number;
• contact email.

A few minutes after submitting the relevant application form, a bank representative contacts the potential borrower. During a telephone conversation, he answers questions and asks his own regarding the loan amount and other nuances. The manager of the guarantor also informs the client about the package of documents that he will need. This is how mortgages work at Tinkoff Bank. Reviews about the company's service allow you to learn more about the service.

What documents are needed for registration?

According to employees of Tinkoff Bank, in order to receive a long-awaited housing loan, you must provide the following documents:

• application-questionnaire;
• copy of work book (must be certified by the employer);
• copy of Russian passport (including blank and filled pages);
• original certificate in the form of 2-personal income tax or another bank template.

Suppose you applied to Tinkoff Bank with an application (mortgage, reviews about the service - alloften of interest to potential borrowers). But how to transfer the above package of documents if all services are performed online?

How are documents submitted for loan processing?

According to the rules of the bank, to send documents, it is enough to scan them or take a picture. Here are just such visual copies should be made with high resolution, contain clear inscriptions and numbers. Otherwise, you will have to repeat the entire forwarding process.

Alternatively, you can scan documents and print them. However, in this case, you will have to put your signature and date of dispatch on each of them. After that, printed scans can be sent by fax: +7 (495) 645-59-09. Or it is possible to send them by Russian post.

Do I need to visit a bank office?

If you applied to Tinkoff, the mortgage in this case is issued only partially remotely. You still have to come to the office. But only for the final signing of the loan agreement.

Which lenders cooperate with Tinkoff Bank?

Currently, the following credit institutions cooperate with the bank:

• "Uralsib Bank";
• "Absolut Bank";
• "DeltaCredit Bank";
• "AK BARS Bank";
• "Housing Finance Bank";
• "TransKapital Bank";
• "InvestTorgBank".

What do residents of different regions say about mortgages at Tinkoff Bank?

As practice has shown, people from various regions of Russia apply to Tinkoff Bank (mortgage, reviews and conditions for its provision raise a lot of questions from potential borrowers). For example, among user reviews you can meet residents of Moscow and the region, Rostov, Sochi, Novocherkassk, Kirov, Vladivostok, Petrozavodsk, St. Petersburg and other cities of the Russian Federation.

Among these reviews, there are both positive and negative ones. For example, some of the borrowers who repaid the loan write that with the help of Tinkoff Bank they managed to get a mortgage at 10.45% per annum. Moreover, they were refused everywhere and demanded additional guarantees in the form of a second co-borrower.

Others talk about the speed of making a loan decision. According to them, Tinkoff Bank helped them a lot. Mortgage (reviews about it recreate the real picture of the registration procedure) with the assistance of company managers was approved in just 25-30 minutes. Still others thank specific Tinkoff employees for professional advice and assistance in finding a credit institution. They mention their names and surnames and give them flattering compliments.

And of course, there are those who were dissatisfied with the quality of service. According to them, the system for submitting scanned documents is not perfect. It crashes and does not allow you to complete the send. They claim that due to problems with their personal account, their scans hung in a "suspendedcondition" for three weeks. As a result, representatives of Tinkoff Bank deleted them and asked to be sent again. Clients lost time and were forced to personally go to banks in search of a suitable lender. However, such comments are more an exception than a regular violation of the system.