2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Mortgage loan programs can be described for a very long time. This type of loans for banks will always be very attractive, as it is issued for a long period and requires good security. Unlike a consumer loan, it is always accompanied by a collateral object in the form of real estate acquired or already owned by the client. Mortgage in Rosselkhozbank has some differences from similar programs in other financial institutions of the Russian Federation.
Required Documents
Mortgage in "Rosselkhozbank" can be obtained if certain minimum requirements are met:
- The client must be at least 18 years old, which is much lower than in other credit institutions, where they may be required to reach 21 or 23 years old.
- A valid passport of a citizen of the Russian Federation with a residence permit in close proximity to one of the bank branches.
- Income statement. Remarkably, she does notaffects the interest rate on the loan program.
- Documents for the acquired property.
Inspiring is the fact that a mortgage in "Rosselkhozbank" can be obtained without presenting a second document, proof of seniority or current employment. The bank may require their availability, it does this only in extreme cases. One of the limitations of this type of loan is that only a direct relative of the borrower can be a guarantor.
"Rosselkhozbank": mortgage - conditions for obtaining
This type of loan program is usually issued on the security of the acquired property. In addition, it must be insured against the risks of damage, loss or destruction. If the client refuses to conclude an agreement on risk compensation, the interest rate can be raised by 5-10% per annum from the standard mortgage lending option. In addition, the borrower is obliged to hire a special banking specialist to assess the property being purchased.
Mortgage in Rosselkhozbank is issued under a single basic program. It can be taken to purchase the following types of real estate:
- a residential building with a plot of land;
- share in a house under construction;
- plot of land;
- for contract work related to construction, including in case of completion of an unfinished house;
- buying an apartment.
Maximum service life of the credit program can be 25 years. With a minimum contribution of 15% of the value of the acquired property, the Rosselkhozbank-mortgage service is issued. A young family can count on subsidies from the government to receive a subsidy that repays the first payment. In addition, within the framework of this assistance, the lowest interest on the loan is assigned - 12.5%. The maximum amount that a borrower can count on is 10 million rubles, which allows you to purchase almost any apartment or house you like. The bank maintains open and honest relations with its customers, so there are no additional payments for receiving money, signing an agreement or processing an application.
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