2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Recently, the credit market of the Russian Federation is undergoing great changes. This is due to the fact that a huge number of banks could not survive the first years of the financial crisis. In many organizations, such a service as a mortgage has completely changed. Rosselkhozbank is an excellent example of new trends in the credit market.
Due to fluctuations in rates during the crisis, many were forced to offer their investors very high interest rates, which in turn only led to further bankruptcy. In addition, many organizations were forced to invest their money in very high-risk ventures, which ended very badly for many. Such a policy of financial institutions has greatly undermined the credibility of the average user. It was because of the struggle for the consumer that banks were forced to change their loan programs towards greater convenience and fewer hidden fees. An important role was also played by the recently adopteda bill protecting the rights of both depositors and bank borrowers. Now the financial institution is obliged to provide the most complete and timely information on all requested payments related to the execution of the loan program.
Rosselkhozbank: mortgage, conditions of 2013
With the development of modern technology and the credit market, getting a loan program is greatly simplified. Now you don't have to go through a bunch of paperwork to get a service like a mortgage. Rosselkhozbank provides its loans at soft interest rates - from 12 to 14% per annum. You can get such a loan by simply filling out the application form and providing the financial institution with the necessary package of documents:
- valid passport of a citizen of the Russian Federation;
- active registration next to one of the branches of the Russian Agricultural Bank;
- second document that can confirm the identity of the client;
- guarantor's signature.
Purchased real estate usually acts as a collateral object when applying for a program such as a mortgage. Rosselkhozbank is ready to consider as collateral not only completed real estate, but also shares in a house under construction or land plots. Young families should also remember that there are several government subsidies that can help solve the land issue with a minimum of effort.
Rosselkhozbank: mortgage for construction
Except for the registration of the program onalready finished housing, the borrower can get a loan for real estate in a house under construction. This program will be slightly different from the standard one. The first difference is the increased interest rate under the program until the house is put into operation. The percentage will be about 16%. However, upon completion of construction, the rate will be lower than the general mortgage program. Rosselkhozbank in this case will provide a loan at a 13% overpayment per year. Taking out a loan for a house under construction is the wisest option. In this case, the overpayment on the loan will just cover the difference between the newly built apartment and the apartment in the old house.
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