Rosselkhozbank mortgage calculator. Mortgage calculator Rosselkhozbank - calculate the amount of the mortgage online. Requirements for borrowers

The Rosselkhozbank mortgage calculator will help you calculate the mortgage amount according to 2019 data. Make a calculation on the calculator from the official website and choose the most profitable loan.

A mortgage is a tool that allows a young family to acquire their own housing, and not live for many years “on suitcases”, renting an apartment. However, the purchase of mortgage real estate requires a serious, thoughtful approach and accurate financial calculation. And a simple and functional calculator will help in this matter, allowing you to:

Arrange for the most favorable loan;
Calculate monthly deductions;
Determine the maximum possible loan amount;
Weigh your own chances of closing the loan with early repayment.

The most balanced and practical calculation program can be called the mortgage calculators of the Russian Agricultural Bank, which will allow you to get all the necessary mortgage information. Your information is your best weapon in the fight for your own home.

Lending terms

Loan currency- Russian rubles
Min. amount of credit - 300 000
Max. amount of credit- Must not exceed the smaller of:

85% of the contractual value of the loaned residential premises;

85% of the appraised value of a mortgaged or other mortgaged dwelling.

Credit term- up to 30 years
An initial fee- from 15%
Commission for issuing a loan- absent
Loan security- Pledge of the credited or other residential premises.

Interest rates

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A mortgage loan in a bank is issued for the following types of real estate:

To a piece of land.
For a new building.
For secondary housing.
For the construction of a private house.

For all borrowers, including state employees, the bank offers the following options for obtaining a mortgage:

With or without guarantors.
With or without proof of income.
With or without a down payment.
Special conditions for a young family

Depending on the choice of a particular loan program, the cost of the overpayment, the loan term and the choice of the form of payment differ. For greater convenience of bank customers, it is possible to close a loan with early repayment, arrange a mortgage with maternity capital. Clients who have a salary project in the bank can count on great benefits and preferences, and special conditions are also offered for pensioners.

If you are interested in more detailed financial and settlement information on loan payments, an online calculation of the cost is available, which will help you evaluate your financial capabilities.

Mortgage calculator of Rosselkhozbank will help calculate the amount of mortgage deductions for 2018 - 2019, weigh the chances of early repayment. You can use the official online calculator on the site for free! If you are a young family, then the issue of mortgages already worries you. Mortgage requires a serious, thoughtful approach. And be sure to accurately calculate. Our Mortgage Loan Calculator is very handy: available online, clear and free. Spend half an hour on the calculation, which will correctly line up your expenses for several years ahead.

Rosselkhozbank offers 3 mortgage lending programs with the possibility of early repayment of the loan. Special conditions are offered to young families. The Bank actively participates in government housing construction programs.

Lending terms

Age of the borrower: from 18 to 75 years (at the time of repayment);
Minimum amount: 300,000 rubles;
Term: up to 30 years;
Commission for issuing a loan: none;

Mortgage interest rate

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Mortgage conditions differ significantly depending on whether you need a loan for a second home, for a new building, for the construction of a private house, or just for a piece of land. Potential borrowers in the bank are offered the following options for obtaining a mortgage loan:

No guarantors.
No proof of income.
No down payment.

The bank is available for obtaining a mortgage loan with state support, in particular with maternity capital, and with early repayment. The conditions for its issuance can be significantly revised in favor of the borrower if he has a salary project open. The bank also meets state employees, offers special options for issuing pensioners.

A modern online calculation of the cost will help you get a preliminary calculation for a real estate loan - it will provide the basic necessary information according to the requirements and wishes of the borrower.

The mortgage program from Rosselkhozbank is your chance to buy an apartment in a house under construction or already built. With this loan, you can buy a building plot.

Only adult citizens can receive a mortgage loan, provided that the loan expiration date does not come later than the date when the person turns 65 years old. The bank allows several borrowers to take a loan at the same time, and only close relatives of the borrower can act as co-borrowers.

The maximum loan term for this type of loan is 25 years. You can use this loan for various purposes: to purchase an apartment, a house with a plot, to purchase an unfinished construction project.

The term for issuing a loan depends on specific conditions and can vary from 5 to 25 years, the initial payment is from 15 to 20 percent of the loan amount, and the annual interest rate is from 14 percent.

For the construction period, the borrower will need to obtain a guarantee from at least 2 individuals or one legal entity. In addition, a pledge of the unfinished object itself and (or) the land plot on which it is located is required.

The interest rate depends on the term of the loan and the size of the down payment.

Surcharges and discounts to interest rates (cumulative, if applicable):

+ 3.50% in case the borrower and/or solidary borrowers, whose income was taken into account when calculating the loan amount, refuse to carry out life and health insurance or they fail to comply with their obligation to provide continuous life and health insurance during the entire term of the loan agreement ;
+ 0.50% during the construction of the collateral object (new building), until the submission of documents on registration of the mortgage object of the collateral in favor of the Bank;
+ 0.50% in case of obtaining a mortgage loan within the framework of the loan product “Mortgage under two documents”;
- 0.50% for payroll clients / for "reliable" clients.

To start the calculation, fill in the fields of the form below and click the "Calculate" button.

Rosselkhozbank mortgage loan calculator

One-time expenses upon obtaining a loan (rent of a bank cell, payment for the services of realtors, etc.) must be paid separately and are not included in this amount

In the article, we will consider interest rates on mortgages in the Russian Agricultural Bank. We will analyze whether it is possible to get a loan without a down payment and how to calculate the payment amount on a calculator. We have prepared for you the procedure for submitting an online application from the official website of the Russian Agricultural Bank and collected feedback from its customers.

Conditions for obtaining a mortgage in Rosselkhozbank

In 2018, Rosselkhozbank continues to actively develop mortgage lending for individuals. You can buy housing both from developers and on the secondary market. When applying for a mortgage with a pledge of an existing apartment, you can do without a down payment. In other cases, it will be from 10%.

The mortgaged property must be insured for the entire term of the loan. And health can be denied. True, in this case, the bank will add another 1% to the base rate.

In Rosselkhozbank, you can take a mortgage with the involvement of three co-borrowers. The requirements for them are the same as for the main borrower.

Programs and interest rates

Rosselkhozbank has 7 mortgage lending programs:

mortgage calculator

The official website of the Russian Agricultural Bank has a loan calculator. This is a special tool that allows you to calculate the amount of the monthly payment and the base interest on the loan. For clarity, after the calculation, an approximate payment schedule is formed.

To carry out the calculation, you need to indicate the value of the property, the down payment, the estimated mortgage period and information about your income.

Important! All calculations made using the calculator are approximate. The bank may offer other mortgage conditions after analyzing the application and documents.

Example. If you buy an apartment worth 4.5 million in a mortgage for 10 years with a down payment of 40% with an income of 70,000 rubles / month, then the monthly payment will be 34,643 rubles.

How to apply online for a mortgage at Rosselkhozbank

Registration of a mortgage in the RSHB begins with the submission of an application at the bank's office or on its website. The second option is more convenient, because it allows you to calmly answer all the questions of a credit institution, collect the necessary documents and go to the office with a preliminary decision in hand.

An online application is a simple form on the website of the Russian Agricultural Bank, in which you need to provide the following information:

bank office, convenient for mortgage registration;
FULL NAME. and date of birth;
contacts (phone, email);
desired amount and term of the loan.

How to get a mortgage at Rosselkhozbank

Application approval is valid for 90 days. During this time, you need to have time to complete the deal. When a suitable apartment is found, it will need to be assessed by an independent expert, as the bank accepts property as collateral at the appraised value.

Next, a preliminary contract of sale is drawn up. Rosselkhozbank checks the property for 3-10 days and, if everything is fine, coordinates its purchase with the borrower. After that, you can proceed directly to the conclusion of the transaction. To do this, the seller and the buyer go to the Regpalata, sign an agreement, after which the housing becomes the property of the borrower.

Requirements for the borrower

Older working citizens can count on the approval of a mortgage at Rosselkhozbank. At the same time, at the end of the loan term, the borrower should not be 65 years old or 75 years old, subject to the following conditions:

until the borrower turns 65, more than half of the loan term has passed;
there is at least one co-borrower who is under the age of 65 at the end of the loan.

The work experience in the current organization of the potential borrower must be more than six months, and the total - more than 1 year.

If the client receives a salary on the Rosselkhozbank card, then you can get a mortgage even with only 3 months of experience in the current place and six months in general.

The last mandatory requirement is the presence of permanent registration in the territory of Russia, the locality and region of registration do not matter.

List of required documents

When applying for a mortgage, you will need to present a passport. Together with him, men under 27 years of age prepare a military ID or registration certificate. The bank also needs documents confirming income and employment, for example, a certificate in the form of a bank or 2-personal income tax.

Separately, it is necessary to prepare documents for the acquired property. They must be accompanied by an evaluation report.

Customer profile

The questionnaire contains the following information about the borrower and co-borrowers:

FULL NAME. and role in the deal.
Data on the desired parameters of the loan and the proposed property.
Personal information (education, passport data, contacts, addresses, etc.).
Job data.
Information about marital status and spouse.
Information about income.
Data on the ownership of transport and real estate.
Answers to a number of additional questions (about the presence of a disability, participation in joint-stock companies, etc.).
Consent to the processing of data from the BKI.
Consent to insurance (if desired).

The Rosselkhozbank mortgage will help fulfill the dream of owning your own home. At the initial stage, you should decide for which housing you will take a loan (ready or under construction), in what currency, for how long. It is also worth considering the amount of available own funds. Maternity capital can be used as an initial contribution, if such an opportunity is provided. When buying an apartment with a loan, the price of the purchased apartment is not the agreed price between the seller and the buyer, but the price determined by an independent appraiser. It will be useful to calculate the maximum possible loan amount in advance using the calculator on the site. It is also recommended to familiarize yourself in detail with the presence of additional costs, such as various commissions, late fees, safe deposit box rental, appraisal and others. A prerequisite for a loan is a pledge of an acquired or existing property and its insurance for the entire duration of the loan agreement, which will increase the borrower's costs. To obtain preliminary approval, it is possible to submit an online application - this will allow you to more clearly understand what amount and interest on the loan you can count on. You should also clarify what package of documents will be required to submit to the bank. The process of obtaining a loan usually takes from one to several months. After the credit institution makes a positive decision on the application, the borrower is given a certain time to search for a property. Reduction of terms is possible if you have already decided on the housing to be purchased. Getting a mortgage is not as difficult as it might seem at first. The main thing is to correctly combine desires with your capabilities.

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