Mortgage in Yekaterinburg without down payment: banks, conditions

Mortgage rates are steadily growing, which can not but frighten the inhabitants of different cities of our vast country. Nevertheless, those who want to buy housing, elementary does not have a choice, since it is almost impossible to accumulate a huge amount of money to buy an apartment. However, here there are their pitfalls. Even under the condition of registration of a mortgage loan, citizens need to pay an initial fee (MF), which is up to 30% of the value of the apartment.

And what about those who do not have the money and the primary payment? In this case, it remains to try to issue a mortgage in Yekaterinburg without a down payment. In large banks there are programs that issue such loans, however in this case it is necessary to take into account several important nuances.

Features of obtaining a mortgage without a PI in the Savings Bank

In this institution it is really possible to issue a mortgage loan under rather favorable conditions. However, it should be borne in mind that in Sberbank of Yekaterinburg, a mortgage without an initial installment represents the amount of money that a citizen receives to repay a loan taken earlier in another credit institution. This means that a person does not need to invest his own savings, but enough to issue a loan in another bank and use it as a PI.

To obtain a mortgage in Sberbank, you must confirm your solvency and provide a certificate in the form of 2-NDFL.

Mortgage in the bank "Otkrytie"

This is another reliable organization in which you can take a loan without a PI. Those who wish to issue a mortgage in Yekaterinburg without an initial payment, the program "Mortgage Plus" is available. According to her, you can get a loan and not make a primary amount of money against the future apartment.

At the same time, the interest rate will be 13.5% per annum. Accordingly, if a resident of the city makes a loan for 5 million rubles, then every month he will pay about 60 500 rubles. Based on this, the total overpayment for 20 years will be about 9 million rubles.

Gazprombank

"Refinancing" from this bank is a program that gives citizens the opportunity to settle in new housing without primary payments. The mortgage terms without a down payment in Yekaterinburg are quite profitable. If a citizen takes on an apartment an apartment worth 5 million rubles, then the monthly payment will be 50 thousand rubles. At the same time, the interest rate will be lower than that of Sberbank. It will be 10.25%. Accordingly, the final overpayment for 20 years will not exceed 6.7 million rubles.

Standard conditions for obtaining a mortgage without a down payment in Yekaterinburg

To better understand what to expect from a credit institution, consider the standard situation. Let's say a resident of the city decided to apply to a certain bank and he was offered a program "Housing loan". According to him, a mortgage in Yekaterinburg without an initial installment will differ in the following terms:

• Loan period is up to 20 years.
• The loan amount can be up to 100% of the total cost of the apartment. However, the amount of cash will directly depend on the level of income of the borrower.
• As a pledge property is registered (also it can be a car, securities, etc.) of the citizen or his relatives.
• As guarantors should be from 1 to 4 people. In this issue, everything depends on the amount of the loan. If a citizen takes no more than 300 thousand rubles, then it is enough to invite only one guarantor. With a loan amount of more than 300 thousand rubles will require 2 people, etc.
• Age of borrowers must not exceed 65 years at the time of making the final payment.
• A citizen must have a permanent place of work, where he works for at least 6 months.

Also it is worth paying attention to the fact that to take a mortgage in Yekaterinburg without a down payment is not the only option that avoids the huge costs of an initial payment for an apartment.

Exchange

Today, the trade-in is in great demand, since in this case the available living space can be used as the PV. In this case, do not have to wait until the apartment will be bought. In fact, the borrower's home is re-bought by the bank itself in the future payments on the mortgage.

However, such services do not work in all banks. Sometimes the exchange is carried out by a real estate agency. In this case, it is worthwhile to be more careful and carefully choose an agent, since today in this area there are many fraudsters.

Interest-free installments

If the bank in Yekaterinburg, a mortgage without an initial installment could not get, it is much more profitable and easier to invest in a real estate under construction. In this case, the buyer will not have to pay a certain percentage of the bank annually throughout his life. Thus, the final cost of new housing will not double.

The only drawback of this method of buying is that it will be possible to enter a new apartment only after a few months or even years, when the house is finally completed. However, given that this method will save several million rubles, this period can be fully lived in a rented apartment.

Also, if you refuse a mortgage without an initial payment in Yekaterinburg in favor of interest-free installments, you must take into account all the risks. For example, a developer may not surrender an object on time or simply freeze construction. Such problems are found everywhere. Therefore, before drawing up the papers, it is necessary to carefully study the contract from the developer and make sure that all these nuances in it are prescribed.

Mortgage lending from partner banks

If a citizen is a client of the company "Brusnik", then when registering a mortgage in "VTB 24" he can receive a special offer. According to him, the annual interest rate can be reduced by 0.5% of the base value.

In addition, it is worth paying attention to such actions as "More meters - less rate." This proposal allows you to reduce the rate by 1%. In this case, a citizen must purchase an apartment or any other real estate, the area of which will be at least 65 square meters.

Since the conditions for such shares are not summarized, it is necessary to carefully study all the proposed programs and choose the most advantageous option.

Finally

Each bank provides different conditions for mortgage lending. In some of them, the work experience of the borrower should be at least several months, and in others - 4-5 years. The same applies to other conditions. For residents of the Russian Federation, it is most important to study the interest rates on loans. In some cases it is much more profitable to make an initial payment and pay a smaller percentage of the transaction amount than not to pay the initial payment and in the end result to overpay the bank for several million rubles more. That is why, when deciding to take a mortgage or a loan for an apartment, it is worth to visit all available organizations and clarify their terms of the transaction.