Today, many banks provide the opportunity to purchase housing on a mortgage without a down payment. Despite the fact that the conditions are less favorable than with a classic mortgage, the borrowers agree to them too. Indeed, for many, such a loan is the only opportunity to buy their own home.
It is necessary
- - passport;
- - documents confirming the borrower's income;
- - documents confirming the ownership of mortgaged housing (when registering a mortgage on bail);
- - documents of guarantors;
- - other documents depending on the mortgage program (for example, "Maternity capital", certificate of NIS participant, etc.).
Instructions
Step 1
Initially, you must choose a bank mortgage program that allows you to take a mortgage without a down payment. It can be a mortgage secured by real estate, a mortgage without collateral, or specialized programs - "Maternity Capital", "Military Mortgage", "Young Scientists", "Young Teachers".
Step 2
A loan without an initial payment secured by existing real estate is the most common option. It is suitable only for those borrowers who already own a home. In this case, the standard condition of the bank is that the collateral is located in the region where the lender is located.
Today, the following banks provide mortgages on the security of real estate:
- "Deltacredit" (rate - 11.25%; loan size - up to 85% of the collateral);
- “BPF” (rate - 12.25%; loan amount - up to 85% of the collateral);
- Gazprombank (rate - from 12.45%; loan amount - up to 6,000,000 rubles);
- Petrokommerts (rate - from 12.75%; loan amount - up to 60% of the collateral value);
- Alfa-Bank (rate - from 13%; loan amount - up to 15 million rubles);
- Credit Bank of Moscow (rate - 14.25%; loan amount - up to 80% of the collateral value);
- VTB 24 (rate - 14.8%; loan amount - up to 70% of the collateral value).
Step 3
Mortgage loans without collateral for existing real estate are the most unprofitable in terms of interest rates. The opportunity to get an unsecured loan today is provided by:
- Transcapitalbank (rate from 14.25%);
- Zapsibkombank (rate from 14.5%);
- "Soviet" (rate from 16.9%);
- "Investtorgbank" (rate - from 17.5%).
Step 4
If a family has a Maternity Capital Certificate, they can use it as a down payment on a mortgage. Such programs are offered today: "Sberbank", "VTB24", "Primsotsbank", "AKIBANK", "Education", "ROST", etc.
Step 5
Loans under other state programs ("Military mortgage", "Young scientists", "Young teachers") are authorized to issue partner banks of the state AHML. Each region has its own list of banks. You can find the right one on the agency's website.
