Mortgage in Rosselkhozbank: the service is available to all

Mortgage loan programs can be described for a very long time. This kind of loans for banks will always be very attractive, since it is issued for a long term and requires good security. Unlike consumer credit, it is always accompanied by a collateral object in the form of real estate purchased or already available to the client. Mortgage in "Rosselkhozbank" has some differences from similar programs in other financial organizations of the Russian Federation.

Required documents

Mortgage in the "Rosselkhozbank" can be obtained if certain minimum requirements are met:

1. The client's age is at least 18 years, which is much lower than in other credit institutions, where they can demand achievement of 21 or 23 years.
2. A valid passport of a Russian citizen with a residence permit in close proximity to one of the bank's branches.
3. Income statement. It is noteworthy that it does not affect the interest rate on the loan program.
4. Documents for the purchased property.

Encouraging is the fact that a mortgage in Rosselkhozbank can be obtained without presenting a second document, confirming the length of service or current employment. The bank can demand their presence, it does it only in extreme cases. One of the limitations of this type of loans is that the guarantor can only be a direct relative of the borrower.

"Rosselkhozbank": mortgage - terms of receipt

This type of loan program is usually issued on the security of the acquired property. In addition, it is compulsory to insure against risks of damage, loss or destruction. If the client refuses to enter into a risk compensation agreement, the interest rate may be raised by 5-10% per annum from the standard mortgage loan option. In addition, the borrower is required to hire a special bank specialist to assess the acquired property.

Mortgage in "Rosselkhozbank" is issued on a single basic program. It can be taken for the acquisition of the following types of real estate:

• An apartment building with a plot of land;
• Share in the house under construction;
• A plot of land;
• For contract work related to construction, including in the event of the completion of an unfinished house;
• Purchase of an apartment.

The maximum service life of the credit program can be 25 years. With a minimum contribution of 15% of the cost of the acquired property, the service "Rosselkhozbank-Mortgage" is issued. A young family can expect a subsidy from the government to receive a subsidy paying off the first payment. In addition, within the framework of this assistance, the interest on the loan is assigned the lowest - 12.5%. The maximum amount that the borrower can expect is 10 million rubles, which allows you to purchase almost any desired apartment or house. The Bank adheres to open and honest relations with its customers, so there are no additional payments for getting money, signing a contract or considering an application.