Mortgage ("Khanty-Mansiysk Bank"): programs, conditions, requirements for clients
Currently, people can buy housingallow not all citizens of Russia, in connection with this, a great demand uses a mortgage. "Khanty-Mansiysk Bank" offers profitable programs with attractive rates for customers. This financial institution is one of the largest Russian banks and has an impeccable reputation.
Khanty-Mansiysk Bank Opening: mortgage
All information regarding the products of the bankcustomers can find on the official website of the organization. You can get a loan to buy a home in the primary or secondary market. The purchased apartment remains in pledge with the bank, until the borrower fulfills all obligations under the agreement (this is the difference from the other types of lending). "Khanty-Mansiysk Bank" provides loans for several programs with different terms and amounts. Thanks to this, every potential client can get a loan on the best terms for himself. The maximum contract can be issued for 30 years. The bank additionally demands the real estate and the borrower himself.
A separate program exists for those who havealready issued a mortgage. "Khanty-Mansiysk Bank" offers refinancing with an attractive rate of 12.5% per year. Russians eligible for MSK or other subsidies of the state can claim a loan agreement without a down payment. For the rest of the program, you must make a deposit for the property you buy.
Programs for individuals
Crediting of citizens planning an acquisitionhousing, is now very well developed and implemented by many financial institutions of the country. Given the type of real estate the client is going to buy, he will be offered programs for which a financial institution provides mortgages.
The "Khanty-Mansiysk Bank" terms and conditions offer the following:
- Apartment in a new building with support fromstate. The loan amount is up to 3 million rubles. A mortgage is provided for up to 30 years. The amount of overpayment depends on the parameters of the transaction, an average of 11.3% per year.
- The program for the military.This proposal applies only to a separate category of citizens - military personnel. You can receive an amount not more than 1 million 930 thousand rubles at a rate of 11.4% per year. The term of the agreement is not more than 20 years.
- "Apartment". The standard mortgage program for secondary housing involves a rate of 12.25% per year. Get a client from the bank can not more than 15 million rubles.
- "New building".Under this program you can buy apartments in building houses and new buildings. The loan rate is calculated individually - at least 12.5% per year. The size of the mortgage loan is up to 15 million. The loan period is standard.
- "Mortgage plus." Within the framework of this offer, you can get from 500 thousand to 30 million rubles. Overpayment will be at least 15.5% per year.
- "Free meters."This program gives customers the opportunity to buy a home worth up to 30 million rubles. The interest rate will be at least 13.25% per year. The term of the loan agreement is standard.
- Refinancing of a mortgage in this financial institution is carried out in accordance with the conditions of the classical program "Apartment".
Requirements for potential borrowers
To get a loan from this financial institution, you need to meet the criteria:
- citizenship of the Russian Federation;
- the age of 20-55 years;
- registration in the region of treatment;
- work experience of the year, with 6 months continuously need to work on the last place;
- positive credit history;
- corresponding official income.
To get a loan, you need to provide the bankall references and papers confirming citizenship, income and so on. In the event that the applicant can not provide documentary evidence of its compliance with all listed parameters, the financial institution may refuse to conclude the transaction.
The property, to which credit funds will go,will be a collateral for the loan - this is the main thing, what is different from other mortgage loans. "Khanty-Mansiysk Bank, like any other, obliges borrowers to insure real estate, which is in pledge, and it needs to be done in one of the UK partners.
This financial institution cooperates with the following insurers:
- Alfa Insurance;
- "Reso Guarantee";
- MAX and others.