Which banks give a mortgage without down payment? Where can I get a mortgage without down payment?

Many would like to live in their own apartment. But not everyone has money to make the first payment. Are there any alternative options and is it possible to have a mortgage without a down payment? In the banks of Moscow at present, there are many different programs that allow people to acquire housing with different desires and opportunities. Therefore, on the issues of interest to many people, one can safely answer positively.

An initial fee. Is it necessary? For what?

The fact that the initial contribution is the difference between the value of a mortgage loan and the value of the acquired property is known to many. But not everyone knows that in most cases, its size affects the interest rate of the loan. The lower the payment, the higher the bank's risk of non-return of cash. And the lower the amount of the down payment, the higher the interest rate.

If you think that no credit institution will give out money with such big risks, you are mistaken. At the moment, a mortgage without a down payment is quite real. Which banks issue such a loan? It all depends on what kind of security you own.

Is there a home? Use to purchase a new one! Mortgage without attachments

The existing property can act as collateral for mortgage registration. In this case, you can expect an average of not more than 70% of its estimated value. The final size of the loan will depend on the borrower's income.

Which banks give a mortgage without down payment? On the security of the existing housing in the "Bank of Moscow" you can apply for a mortgage to buy an apartment or a house. Real estate can be purchased both on the primary and secondary market. The size of the loan - from 500 thousand rubles to 60% of the value of mortgaged housing. At the same time, the interest rate depends on the size of the mortgage loan and varies from 13.15% to 15.25%.

Also, on the security of available real estate, a mortgage loan is ready to be provided by Rosbank. The program "Loan for the purchase of real estate on the security of existing real estate - rubles" allows you to purchase a room, apartment, house or land at a rate of 12.6 to 14.1% per annum. As security, you can use an apartment, an individual house with a land plot or simply a plot of land. The Bank is ready to issue a mortgage for an amount not exceeding 80% of the assessed value of collateral real estate. "Rosbank" - one of the few that provide credit, the amount of which is not much lower than the cost of existing housing.

In addition, such a mortgage can be formalized in the Housing Finance Bank, Svyaz-Bank, Alfa-Bank and many others.

Mortgage without down payment with additional collateral

There is one more possibility of registration - to provide additional collateral as collateral.

Where can I take a mortgage without an initial installment, by providing a mortgage, for example, a car? At the moment there are not so many such banks. Among them are Economy Bank, Svyaz Bank and Bystrobank.

In "Gazprombank" there is a program "Improvement of housing conditions". This is a mortgage, the registration of which does not need an initial deposit, but it has one feature. When registering a loan agreement, you are obliged to sell the collateral real estate within 9 months and receive the money received in the credit account. At the same time, the amount should not be less than 15% of the size of the purchased housing.

Making a loan for an initial deposit

Some banks issue loans under special programs "for an initial payment". At the same time, paying off your debts, you will pay two loans.

In which banks are given a mortgage without an initial installment, making out an additional loan instead? In fact, organizations that are ready under the mortgage to issue a special loan for the first installment, not so much. This is DeltaCredit and Moscow Mortgage Agency. It is best to clarify this possibility from a bank consultant, in which you would like to issue a mortgage.

Maternal capital. We use it as an initial payment when making a mortgage

Improve the housing situation can be through the use of maternity capital. Banks allow you to use it as an initial payment for a mortgage. However, not all credit institutions work with him.

So which banks give a mortgage without an initial installment, taking the maternity capital instead? Of the most known family capital, VTB24 and Sberbank (11% and 14% respectively) take the first payment. The bank DeltaCredit has the opportunity to obtain a mortgage, paying only 5% of the cost of housing.

Not so long ago the banks "NomosBank" and "Primsotsbank" began to work with the parent capital, but they already managed to attract attention, thanks to the loyal conditions for obtaining a mortgage.

Mortgage without a down payment in the framework of concessional lending

Such a mortgage is possible under a program of concessional lending through state subsidies. But it will not cover more than 10% of the value of the property. In addition, this program provides an opportunity to apply for a loan at a reduced interest rate.

Preferential lending is possible if there is a certificate confirming the right to receive a subsidy in the specified amount. This document is issued by the authorized body of the subject of the Russian Federation. The certificate is valid for six months.

For all banks participating in the program, there is a standard list of documents required for the execution of a loan. To participate in concessional lending, it is necessary to submit a 2-NDFL certificate for the last six months. The amount of a monthly payment should not exceed 45% of the aggregate income of the borrower and co-borrowers.

Which banks give a mortgage without an initial installment under concessional lending? Such loans can only be issued by AHML partners. And in each region there is a list of organizations in which loans are issued to young teachers. You can find a suitable bank on the site of AHML.

Mortgage for young teachers

Teachers, whose age does not exceed 35 years, can count on a mortgage under a program of concessional lending. The annual interest rate is 8.5% for the purchase of an apartment and 10.5% for the purchase of a private house or apartment during the construction phase.

Which banks give a mortgage without a down payment for young teachers? In Moscow, the list of program partners includes Bank Interkommerts, Bank Petrocommerce, ZAO Reliable House, ZAO Bank for Housing Financing.