Main conditions for receiving a loan
Purpose of loan
Repayment of the mortgage loan provided by another Bank for purchase / construction of residential premises secured by the purchased / built / completed residential premises.
Repayment of the mortgage loan and purchase of new real estate property.
Interest rates
From 11.70% in foreign currency, from 14.25% in RUR before mortgage registration.
From 10.20% in foreign currency, from 12.75% in RUR after mortgage registration.
Loan currency
RUR, USD, EUR.
Credit term
From 1 year up to 25 years (term, multiples of 12 months)
Loan sum
Moscow area — from 490 000 RUR (equivalent at the Bank of Russia exchange rate in the loan currency when the Application is submitted to the Bank).
Subsidiaries — from 170 000 RUR (equivalent at the Bank of Russia exchange rate in the loan currency when the Application is submitted to the Bank).
Loan sum
Not more than 80% from the current cost of the mortgaged property.
Collateral
When the loan is provided after mortgage registration in favour of the Bank:
- residential premises pledge.
When the loan is provided before mortgage registration in favour of the Bank:
- surety of 2 individuals followed by replacing the security for residential premises pledge;
- subsequent mortgage of the residential premises.
Interest rates before mortgage registration in favour of the Bank*
| PIT forms 2,3 and 4***,
given all forms of insurance**** |
| up to 7 years** | from 7 to 15 years** | from 15 to 25 years** |
| RUR | 14.25% | 14.55% | 14.85% |
| USD | 11.70% | 12.05% | 12.30% |
| EUR | 11.70% | 12.05% | 12.30% |
Interest rates after mortgage registration in favour of the Bank*
| PIT forms 2,3 and 4***,
given all forms of insurance**** |
| to 7 years** | from 7 to 15 years** | from 15 to 25 years** |
| RUR | 12.75% | 13.05% | 13.35% |
| USD | 10.20% | 10.55% | 10.80% |
| EUR | 10.20% | 10.55% | 10.80% |
* If the loan is extended to a client who is an employee of a salary project and/or corporate client of the Bank, the interest rates are cut by 0.65 percentage points*****; of the loan is extended to a client introduced to the Bank by a partner company (real estate agent of credit broker), the interest rates are cut by 0.5 percentage points;
** Inclusively
*** If the income is confirmed by a Bank form, the interest rate is raised by 1 percentage point
**** In the absence of personal and title insurance, the interest rate is raised by 3 percentage points
***** Provided the borrower/coborrower meets the criteria for the given class of clients established by the Bank
