Top 10 Banks for a Profitable Mortgage

Mortgage loan - an important step in a person's life. And the need to choose the right bank with a profitable mortgage at such a moment becomes particularly acute. After all, you do not want to overpay the excess, and convenient conditions are always needed. But to pick the best financial institution is still a problem.

At this point, we must remember that the interest rate is by no means all that it is important to pay attention to when choosing a bank to get a mortgage. The convenience of a mortgage is made up not only of it. Also, do not forget that almost every bank will require to insure under the threat of an increase in interest rates. This is a necessary procedure that will allow in case of an accident to deal with a mortgage without loss.

So, what else will have to pay attention to choose the most comfortable option:

1. The amount of the first installment. When buying a home, you will have to pay some part to the seller yourself, and different banks require a certain amount of this amount, up to half the cost of the apartment. You need to count your strength when you make and determine in advance what part will be collected as a down payment.
2. Maximum amount. Naturally, not every borrower may need huge money that some banks are able to offer. But to take into account this criterion is still worth it if the intended apartment is expensive.
3. The term mortgage lending. The longer - the more convenient it will be to pay the loan with a small salary. But the more overpayment interest. So the choice is for the borrower.
4. Ways to confirm income. Different banks may require a different set of documents. Someone will have enough help from the place of work, somewhere they need a work record and even a certain length of service.
5. Additional requirements for minimum bid. Perhaps the bank offers some benefits subject to the requirements? For example, payroll clients always have the best interest rates on mortgages, if such a project is in the institution.
6. The presence of additional costs. Some banks charge a certain fee for processing and issuing a mortgage loan. These few percent can unpleasantly deplete the wallet.

So even if the interest rate is the lowest among all banks, other conditions can make the loan very uncomfortable or even very heavy. But in this rating we will show you how to choose the best bank with a profitable mortgage. Considered not only well-known banks in the country, but also smaller organizations selected on the basis of mortgage programs and reviews of real customers. Remember: the rating shows the minimum annual rate possible for a mortgage in a particular bank. In fact, it may be higher depending on the calculations of the institution itself.

Top 10 best banks with a profitable mortgage

10 Gazprombank

And opens today's top Gazprombank - a good solution for those who need a large mortgage for a long time. Especially when there is enough money for a large down payment. It is considered one of the most popular loan offers on the market today.Unfortunately, in a review, some users point to the long expectation of lowering mortgage rates. But at the same time, customers praise the level of service in many offices. So the bank definitely deserves attention.

The bank promises up to 60 million rubles for 30 years. At the same time, at least 9.2% will have to be paid at least a year - this is the promotion rate, which is valid until October 1, 2018. After that, it will return to the value of 10.2%. The minimum rate of 9% can be achieved if you buy an apartment from the "largest" (according to Gazprombank) developers - this will reduce it by 0.2%. The loan is also suitable for the secondary market. To obtain a mortgage will need a permanent registration. An interesting feature - you can not provide documents on the level of income, if you pay at least 40% as a down payment.

9 Rosbank

Successful universal bank with a variety of mortgage loans for any needs. Ready to provide the most favorable conditions. Especially if you pay a little extra. In Rosbank, there are eight mortgage lending programs for various purposes with minimum rates ranging from 8.25% to 10%, including refinancing and housing construction. So you can choose an option to fit your desires.

The smallest initial payment - 15% of the apartment value. I am glad that the bank can issue an additional loan for a down payment, if its money is not enough. Pay off with a mortgage is necessary for 25 years. In the presence of - three services to reduce the interest rate - at 0.5, 1 and 1.5%. But they will have to pay a certain percentage of the total loan amount - 1, 2 and 4%, respectively. I am glad to be able to pay half of the monthly payment every 14 days. This allows you to slightly reduce the period and overpayment on the mortgage.

8 Agricultural Bank

State Bank, included in the thirty largest in Russia. He won the trust of customers in the market for 18 years of work. Loyal to young families and state employees, seeking to create the most favorable conditions for them and their own salary and "reliable" customers. Offers several interesting mortgage projects, including at reduced rates.

Pleases really big loan size - from 100 thousand for really budget housing up to 60 million rubles for a beautiful apartment. You need to pay in time from 1 to 30 years. The minimum possible rate is 8.85%. At the same time there are interest "discounts" for employees of budget organizations. The minimum down payment for an apartment is 15%. An interesting feature: many developers enter into an agreement with the bank, according to which it is possible to take housing in a mortgage at strongly reduced rates. The minimum is 5% for payroll clients, but you can find low rates for people "from the street."

7 Bank Zenith

A small but quite stable bank with good mortgage client reviews. It has a high level of service and a convenient set of products. Zenit offers different programs for any purpose - from non-residential premises to your own house, not to mention apartments. Increased loyalty to the employees of the Tatneft group of companies. In addition, the bank offers the service of housing selection, offering apartments of its own partners. Sometimes there are quite good deals with a guaranteed mortgage or other favorable conditions.

Interestingly, the annual percentage of 9.4% rests on most of the bank's credit products - primary, secondary housing, buying rooms on the secondary market and even homes. A refinancing rate is 9.5%. But it does not please the relatively high mandatory contribution - 15-20% for new and secondary housing, respectively. The minimum loan amount is 500 thousand rubles, and the maximum is fluctuating - in Moscow you can receive up to 20 million rubles, and in the regions only 18.8 million.

6 Home.rf

Dom.RF is a 100% state-run institution for the development of the housing sector. The institution is engaged in mortgage lending in Moscow and not only. The site has a very convenient online calculator that allows you to accurately calculate the possible conditions for future lending. All possible options are taken into account.

The terms of the mortgage loan are from 500 thousand to 20 million rubles for the purchase of housing, which must be returned in terms from 3 to 30 years. No commissions. The bank also has good military mortgage conditions. Home RF offers up to 2 million 487 thousand rubles for a period of 20 years at a rate of 9%. Term - from 3 years until the borrower reaches the age of 42 years. In addition, in the regions there is a preferential program for certain categories of the population with a rate of 5.75% for the entire term. An important caveat: Home RF uses a variable rate in the mortgage repayment process. So much will depend on financial indices, and the percentage can rise to 10% or more.

5 Raiffeisenbank

Raiffeisenbank is deservedly considered one of the best in terms of working with clients. This is a great bank for home buying in the primary market. Many reviews emphasize the professionalism of the staff and the convenience of working with the bank. They are also pleased with very convenient Internet banking and a mobile application through which you can manage a mortgage and its redemption.

Not the lowest in the market is established, but quite an acceptable annual rate, which is 9.25% when choosing accredited housing in more than 1000 new buildings. In the secondary market, the rate is slightly higher - up to 9.5%. In any case, the bank will provide from 500 thousand to 26 million rubles. The initial payment is 15%. Pleases the number of additional services - for example, you can increase the maximum amount, if you bring in as co-borrowers to four relatives or get money without cash to your bank account.

4 FC Opening

One of the largest private banks in the country, able to offer normal mortgage terms. In reviews, customers often praise employees for their promptness and openness, so there should be no problems with service. I am glad that Otkritie FC has several mortgage programs for various purposes. You can take money for both secondary housing and an apartment under construction, or you can refinance a mortgage in a foreign bank.

The rate is the same everywhere and relatively low - 8.7%. She does not officially require a salary card or other conditions. But as the bank considers in fact - it is not clear. The maturity is generally quite large - from 5 to 30 years. The initial payment is at least 15% of the price of housing. And the bank is ready to issue from 500 thousand rubles for budget accommodation and up to 30 million for more serious apartments. I am glad that at the opening of FC Otkritie offers similar conditions as for the "new" mortgage.

3 Sberbank

The largest and most reliable bank in the country. He is able to please the really low rates on primary housing and favorable conditions. In addition, the reliability of the Savings Bank will not have to doubt. I am glad that the institution has come up with a convenient calculator with all the calculations and indicators for reducing / increasing rates. In addition, Sberbank is open to retirees - at the time of the end of the mortgage the borrower may be 75 years old!

The bank offers from 300 thousand to 30 million rubles for periods ranging from 1 year to 30 years. Initially, the apartment owner will need to pay the first installment of 15% of the total amount. Such a low rate is guaranteed by Sberbank only when buying a housing or apartment under construction in a new building. For secondary housing, it is significantly higher. You will also have to get a salary card and insurance, go through electronic registration and purchase housing from partners of the bank. Interestingly, the income can not be confirmed, but then there will be other conditions.

2 Transcapitalbank

A bank that seeks to work with the primary market and is ready to offer quite favorable conditions. In a review, customers note that TCB responds quickly to mortgage applications and often approves them. Pleases good service and responsibility of staff. Unfortunately, Transcapitalbank does not work with the secondary market.

The institution is ready to allocate from 500 thousand to 8 million rubles for a period of 1-25 years. But the first installment must be at least 20%. The bank offers a minimum rate of 7.35% subject to certain conditions. First, you need to be a payroll client. Secondly, to buy the tariff "Favorable", which reduces the rate by 1.5% - the payment for the service directly depends on the cost of the apartment, down payment and so on. An important caveat: a permanent residence permit in the region of registration of a mortgage is not needed, enough citizenship of the Russian Federation.

1 Tinkoff Bank

Tinkoff Bank is rather a broker who is ready to offer the most favorable conditions to those who apply to him. The institution negotiates with other banks and for this it is able to offer reduced interest rates to its customers. “Tinkoff Mortgage” implies that the bank works for free with potential borrowers - it helps them to collect documents, find the most profitable loan programs, and so on. The best bank according to reviews and "audience sympathies" of customers.

The conditions that Tinkoff promises to provide as a broker are quite good. The promised interest rate on mortgage for the primary market - from 6%. The range of sums is quite wide - from 300 thousand to 100 million rubles, so you can take a loan under any apartment. The terms of crediting - from 1 year to 25 years. You will have to pay a minimum of 10% as a down payment. In addition, the bank itself does not take a commission for anything. But the conditions of the institutions to which it sends the documents should be clarified separately. The main advantage is that permanent registration is not required to get a mortgage through Tinkoff. And you can think for four months - the decision is valid for the entire period.

Popular vote - which bank is the best for a profitable mortgage
We vote!

Tinkoff Bank

Transcapitalbank

Sberbank

FC Opening

Raiffeisenbank

Home.rf

Bank Zenith

Agricultural Bank

Rosbank

Gazprombank

VTB

Alfa Bank

Other

Total votes: 12

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