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Credit for purchasing an apartment, detached residence or townhouse



Advice on all mortgage matters

(495) 925-80-00 — Moscow

8-800-200-23-26 — other regions
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To have one’s own home is the dream of many and vital for everyone. And this dream can be realised. To get an apartment, it is sufficient to take out a mortgage.

File an online application

Main conditions for receiving a loan

Purpose of loan
To purchase an apartment or house (detached or townhouse) on the secondary real estate market.

Interest rates
From 10.20% in foreign currency, from 12.75% in RUR.

Initial deposit
From 20% of the appraised value of the house (detached or townhouse) acquired against the mortgage.

Loan currency
RUR, USD, Euro.

Credit term
From 3 to 30 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).

Collateral
Mortgage of the residential premises purchased.

How to take out a mortgage

Advice and submitting an application

1. Book a meeting with a consultant by ringing +7 (495) 925-80-00 or fill in the mortgage application form.

2. A mortgage consultant will contact you.

Submitting the documents

1. Collect the listed documents.

2. Hand them to your personal manager at the Bank’s Mortgage Centre.

Select the housing

1. Select independently or with the assistance of a Real Estate Agent/Mortgage Broker real estate that meets the Bank’s requirements.

2. Have an independent appraiser appraise it.

3. Provide the Bank with the set of documents relating to the residential premises.

Insurance

1. Select an insurance company for concluding a mortgage insurance agreement.

2. Provide the chosen insurance company with the information required for agreeing the insurance tariff.

Receiving the loan

Conclusion of the loan agreement and formalisation of the transaction.

Credit for purchasing an apartment on the secondary real estate market*

PIT forms 2,3 and 4***,
given all forms of insurance****
up to 7 years**
from 7to 15 years**
from 15to 25 years**
from 25to 30 years**
RUR 12.75% 13.05% 13.35% 13.65%
USD 10.20% 10.55% 10.80% 10.95%
EUR 10.20% 10.55% 10.80% 10.95%

 

* 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

 


Printable version



Attention! Any documents submitted to the Bank must be completed in Russian.
The texts of documents/forms in Russian can be found on our Russian version website.

Tips

Documents and requirements