Bank "Tinkoff", mortgage: reviews, conditions

When there is a need for real estate, there is not always the right amount to buy it. In addition, not all borrowers are willing to spend time searching 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 design in this company have become one of the most popular requests today. Therefore, we decided to analyze the existing feedback and understand the benefits of the proposals from this bank. What are the features of such treatment? How much can you expect? And how does the procedure differ from other credit institutions?

Brief information about the bank

"Tinkoff" - one of the most unusual banks in Russia, specializing in customer service through the Internet. Initially it was called "Himmashbank" and was established in 1994. 11 years later, the well-known businessman Oleg Tinkov was redeemed, who managed not only to change the name of the financial institution, but also to revise the very principle of his work.

What services does Tinkoff offer?

Since its appearance on the financial market of the Russian Federation, "Tinkoff" (mortgage - a service that appeared here recently) completely abandoned the generally accepted standards of work. His task was to maximize the light version of the service with minimal effort. For example, all services provided by this loan guarantor were performed remotely. And the only office of the company was a real branch of the bank, located at: Moscow, 1-st Volokolamsky passage, 10, building 1.

As it progressed on the domestic credit market, the bank created and offered various products. One of the most famous among them were credit cards, issued in online mode. They are still a kind of business card for the company. Not stopping at what has been achieved, the representatives of the guarantor periodically introduce new services and services. So, from the recent moment in their financial menu there have appeared tempting deposit programs, providing fast registration of debit cards.

Even later, the bank began offering services of a professional credit broker. This time in the portfolio of banking products there were housing loans, which became the new flagship of the company "Tinkoff". Mortgage, the terms of which were selected individually, very quickly won the hearts of new and old customers of the guarantor.

Brief essence of the mortgage in the bank "Tinkoff"

Unlike other financial institutions, the bank itself does not issue housing loans. In this case, it acts as a credit intermediary and offers mortgage products of its partners. His duties include accepting online applications from customers who want to get a housing loan, as well as their full-fledged advice on lending. Then he collects the necessary package of documents from potential borrowers and submits return requests-requests to other partner banks. After that, the loaned person can familiarize himself with possible options and select the appropriate mortgage program. That's right, actually, and works "Tinkoff" (bank). Mortgage is not formalized here, but professional assistance is provided in its selection and design.

Mortgage loans in the bank "Tinkoff" - is it profitable?

Making mortgage loans is very scrupulous and serious. Therefore, it is so important to choose not only a bank, but also a credit expert, who will help with 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 of up to 100 million rubles.

In addition, you are not just waiting for a one-time free consultation, but long-term communication with a personal manager. It is he who can dispel doubts and misconceptions about bank loans, calculate the amount of overpayment and draw up an approximate credit schedule.

In addition, the mortgage in the "Tinkoff" -bank (feedback on the service provided can be found below) requires a down payment of 15%. In addition, if you take a housing loan through the establishment of "Tinkoff", you can save a whole percentage of the bank rate. And it is much more profitable than to contact the lender directly. For comparison: with loans in the domestic currency, the rate starts from 10.5%.

Finally, an appeal to this financial institution will help increase the chances of approving a loan. This is due to the fact that the client's application is sent to several banks at once. That will significantly shorten the time for searches and narrow the circle of potential creditors.

"Tinkoff": mortgage, reviews (Petrozavodsk)

Despite the fact that the bank offers brokerage services quite recently, they have already been used by many people. For example, real laudatory ode to the financial institution can be heard from the people of Petrozavodsk. Some of them are inspired by the qualified service and courtesy of the employees of Tinkoff Bank, who consult and answer questions without any problems by phone.

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

The third liked the simplicity of payments. As they say, monthly payments without problems can be transferred through terminals in Euroset, as well as in Svyaznoy. Fourth is satisfied with the fact that the intermediary services of the bank are absolutely free for their clients.

As you can see, many people are happy to ask questions to those who took a mortgage in the "Tinkoff" -bank. Reviews of these experienced borrowers help to assess the possible risks and get a lot of useful advice for yourself.

How is the service provided by the bank?

To receive the bank's services, you must send the application. It should specify the following data:

• Your full name;
• contact phone number;
• Contact email.

A few minutes after sending the relevant application form with a potential borrower, a representative of the bank is contacted. During a telephone conversation, he answers questions and asks about the amount of the loan and other nuances. The manager of the guarantor also informs the client about the package of documents that he will need. This is how the mortgage in the Tinkoff Bank works. Reviews about the company's service allow you to learn more about the service.

What documents are needed for registration?

According to the employees of the bank "Tinkoff", to obtain the long-awaited housing loan must provide the following documents:

• Application form;
• A copy of the work record book (must be certified by the employer);
• A copy of the passport of the Russian Federation (including empty and filled pages);
• The original of the certificate on the form 2-NDFL or other template of the bank.

Suppose you applied to the bank "Tinkoff" (mortgage, feedback on the service - all this is often of interest to potential borrowers). But how can you transfer the above package of documents if all services are performed online?

How are the documents for the loan issued?

According to the rules of the bank, to send documents it is enough to perform their scanning or take a picture. Here only such visual copies should be executed with high resolution, contain clear inscriptions and figures. Otherwise, you will have to repeat the entire forwarding process.

Alternatively, you can scan documents and print them. However, in this case, each of them will have to sign and send the date. After that, the printed scans can be sent by fax: +7 (495) 645-59-09. Or there is an opportunity to send them by post.

Do I need to visit the bank office?

If you turned to Tinkoff, the mortgage in this case is only partially processed in the remote mode. You still have to come to the office. But only for the final signing of the loan agreement.

What creditors are cooperating with the bank "Tinkoff"?

At the moment, the following credit institutions cooperate with the bank:

• Uralsib Bank;
• "Absolut Bank";
• "DeltaCredit Bank";
• "AK BARS Bank";
• "The Bank for Housing Financing";
• TransCapital Bank;
• "InvestTorgBank".

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

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

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

Others talk about the speed of making a decision on a loan. According to them, they were very helped by the bank "Tinkoff". Mortgage (reviews about it recreate the real picture of the clearance procedure) with the assistance of the company's managers was approved in just 25-30 minutes. Still others are grateful for professional advice and assistance in finding a credit organization for specific employees of Tinkoff. They mention their names and surnames, as well as compliments complimenting them.

And of course, there are also those who were dissatisfied with the quality of service. According to them, the system for filing scanned documents is not perfect. It crashes and does not allow you to complete the shipment. They claim that because of problems with their private office, their scans were hanging in a "suspended state" for three weeks. As a result, representatives of the bank "Tinkoff" they were removed and asked to be sent again. Customers lost time and had to personally go to the banks in search of a suitable lender. However, such comments are rather an exception than a regular violation of the system.