If you dream to purchase or build a house, but you cannot do this in connection with the lack of funds, use the mortgage lending program. Many banks willingly issue loans to solvent citizens. To get a loan, contact the bank with the required documents.
If you have registration on the territory of the Russian Federation and official work with good income, there will be no problems in issuing a loan. Try to arrange the most profitable loan under the minimum interest rate. Note that you can issue a loan to the minimum percent, if you make a sufficient amount for the payment of the initial contribution. Interest rates fluctuate from about 12 to 15% per annum. At the time of repayment of debt obligations, your age should not exceed 65 years. Nevertheless, some financial organizations are ready to issue loans to borrowers whose age will not exceed 75 years at the time of repayment of the amount. Check out the proposals of some banks and select the most suitable option. Visit the websites of financial institutions, for example: www.sberbank.ru., www.rshb.ru., www.citibank.ru. etc. Check out suggestions. Most sites are placed by calculators - enter the cost of the object, credit period and the percentage of the initial contribution. The system itself will consider your monthly payment. When choosing a bank, pay attention to the list of required documents, the availability of additional payments, the possibility of early repayment and the size of fines. Calculate your strength. Monthly payments should not exceed 30% of the total family income.Download application application form1
Download application application form2.
Download an example of a completed form for loan.
Keep a loan agreement and payment schedule. Try to make the required amount in a timely manner. You can repay any part of the amount early (if allowed by the Bank). In this case, consultants will recalculate interest, and you will pay less.