Mortgage lending programs can be described for a long time.This kind of loans to banks will always be very attractive, as is issued for a long time and requires a good software.In contrast, consumer credit, it is always accompanied by collateral in the form of an object acquired or existing client property.Mortgage "Rosselkhozbank" has some differences from similar programs in other financial institutions of the Russian Federation.
Required Documents
Mortgage "Rosselkhozbank" can be obtained if certain minimum requirements:
- age of the client at least 18 years, which is much lower than in other credit institutions, which may require it reaches 21 or 23years.
- current Russian passport with residence permits in the immediate vicinity of one of the branches of the bank.
- Information on income.Notable is the fact that it does not affect the interest rate on the loan program.
- Documents for the acquired property.
enchanting is the fact that the mortgage in the "Agricultural Bank" can be obtained without a second document, validation of work experience or current employment.The Bank may require their presence, it does so only in extreme cases.One of the limitations of this type of loan is that the surety can only be a direct relative of the borrower.
"Rosselkhozbank": mortgage - conditions for obtaining
This kind of loan program is usually made out on bail acquired property.In addition, it is mandatory insurance against the risk of damage, loss or destruction.In case of refusal by the client to sign the agreement for compensation of interest rate risk can be raised by 5-10% per annum of the standard version of mortgage lending.In addition, the borrower is obliged to hire a special bank specialist to assess the acquired property.
Mortgage "Rosselkhozbank" issued by a single base program.It can be taken for the acquisition of the following types of real estate:
- apartment house with land;
- share in a newly built house;
- land;
- on contract work related to construction, including in the case of completion of an unfinished house;
- purchase of an apartment.
maximum term of service credit program may be 25 years.With a minimum contribution of 15% of the cost of purchased property is made the service "Rosselkhozbank-mortgage".Young family can count on subsidies from the government for a grant shall be redeemed first payment.In addition, as part of this aid percentage of the loan is assigned the lowest - 12.5%.The maximum amount for which the borrower can expect is 10 million rubles, which allows you to purchase almost any vending apartment or house.The Bank adheres to the open and honest relationships with their customers, so there are no additional fees for receiving the money, the contract or execution of consideration of the application.
