As required federal law dated July 27, 2006 No. 152-FZ "On personal data" I express my consent to the processing of my personal data by PJSC KB "Vostochny"

The processing of personal data includes the collection, recording, systematization, accumulation, storage, clarification, extraction, use, transfer (including cross-border transfer), depersonalization, blocking, deletion, destruction in automated and non-automated ways, as well as any other actions with my personal data with subject to current legislation.

I give my consent with regard to information relating to me, including: photo, surname, first name, patronymic, date and place of birth, address of residence (registration), details of identity documents (including in the form of a copy of documents), phone numbers, information about the place of work, position, income and expenses, presence/absence of relatives and indication of the degree of kinship (without indicating the full name of relatives), information about bank accounts in other banks (without indicating the account number, contract and other information), information about the amount of debt (including overdue):

• to obtain information about my credit history on the basis of Federal Law No. 218-FZ of December 30, 2004 "On Credit Histories" from any organizations that generate, process and store such information in accordance with applicable law. The information received is intended for internal use by the Bank's employees in order for the Bank to make a decision to conclude a Loan Agreement, as well as to monitor the existence and actual fulfillment of obligations by me under loan (credit) agreements during the term of the Loan Agreement, if it is concluded;
• for the Bank to provide the above personal data, regardless of the fact of the conclusion of the Loan Agreement, to one or more of the listed credit history bureaus at the Bank's discretion: JSC "National Bureau of Credit History", 121069, Moscow, per. Skatertny, 20, bldg. one; Equifax Credit Services LLC, 129090, Moscow, st. Kalanchevskaya, 16, building 1; LLC "Credit Bureau Russian Standard", 105318, Moscow, Semenovskaya Square, 7, building 1; CJSC "United credit bureau", 127006, Moscow, st. 1st Tverskaya-Yamskaya, 2, building 1, in order to transfer personal data to individuals and legal entities;
• in order to promote the services and products of the Bank (SMS mailing, calling, etc.) using telecommunication networks;
• to share information with the following third parties:
  • a. collection bureau (LLC "EOS", 125009, Moscow, Tverskaya St., 12, building 9; LLC "Capital Agency for the Return of Debts", 129515, Moscow, Tsander St., 4 .1; MORGAN LLC, 125373, Moscow, Pokhodny proezd, house ownership 14; National Collection Service LLC, 117393, Moscow, Profsoyuznaya st., 56; Debt Collection Agency LLC, 105318, Moscow, Ibragimova st., 31; Sequoia Credit Consolidation JSC, 127473, Moscow, Krasnoproletarskaya st., 16, building 2; Credit Security Bureau RUSSKOLLEKTOR LLC, 129515, Moscow , Akademika Koroleva st., 13, building 1; JSC "Financial Agency for Collection of Payments", 109044, Moscow, st. Krutitsky Val, 14; LLC "Creditexpress Finance", 127055, Moscow, Butyrsky Val street, 68/70, building 1; Agency Credit Finance LLC, 127576, Moscow, Ilimskaya street, 5, building 2; Novoslobodskaya st., 24, building 1; OOO "Credit Incaso Rus", 129226, Moscow, Dokukina st., 8, building 2; OOO "E Verest", 115035, Moscow, st. Pyatnitskaya, d. 6/1, building 8; LLC "Collection agency "Fortis", 109004, Moscow, Zemlyanoy val street, 59, building 2; LLC "LAL" 454091, Chelyabinsk, Lenina pr., 21-v, office 713 ; LLC "Debt Collection Service", 428000, Chuvash Republic, Cheboksary, st. Ilbekova, d. 4; OOO "Far Eastern Law Company", 690002, Vladivostok, Ave. Ostryakova, 5 office 502; LLC "InBG-Pravo", 644099, Omsk, st. Krasnogvardeiskaya, 49; LLC Agency " Economic Security", 656058, Barnaul, Popova st., 139, office 16; LLC "Camelot", 614000, Perm, Monastyrskaya st., 14, office 200; LLC Privolzhskoe Collection Agency "Magura", 603057, N. Novgorod, Beketova st. V. Kotika, 4, apt. 10; LLC "Collection Agency "SP", 344082, Rostov-on-Don, Dolomanovsky lane, 37; LLC "Legal Company "SVS Group", 109544, Moscow, st. Novorogozhskaya, 11, building 1; LLC "TsZ Invest", 241037, Bryansk, st. Krasnoarmeiskaya, 103; OOO "Primokollekt", 117630, Moscow, Starokaluzhskoe sh., d. 62; LLC "Rusdolgcontrol", 127220, Moscow, Petrovsko-Razumovsky proezd, 2, apt. 32; LLC "Expobank", 107078, Moscow, st. Kalanchevskaya, 29, building 2; LLC "SAAB", 603087, Nizhny Novgorod, Kazanskoe shosse, 10, building 3, room 2; LLC "Collection Agency "Stonehedge", 107023, Moscow, per. Semenovsky, 15; LLC "YurBusiness-M", 107076, Moscow, st. Matrosskaya Tishina, 25; IP Titovsky Alexander Valerievich, 185031 , Republic of Karelia, Petrozavodsk, Varkaus Embankment 17-42; M.B.A. Finance", 115191, Moscow, Bolshoi Starodanilovsky pereulok, 2, building 7, floor 3), which are part of a self-regulatory organization of collectors, in order to collect overdue debts under the Loan Agreement in case of non-performance or improper performance by me of obligations under the Loan Agreement , within the framework of the agreement concluded with the Bank;
  • b. companies providing the Bank with mailing services, or replication and (or) preparation and sending of information materials (LLC "BiesPost", 109428, Moscow, Ryazansky pr-t, 8A, building 20; LLC "4es formula", 117292 , Moscow, Nakhimovsky pr-t, 46; CJSC "Accord Post", 142180, Klimovsk, Industrialnaya st., 11); LLC "SPSR-express", 107031, Moscow, st. Rozhdestvenka, d. 5/7, building 2, room 18; JSC "NovaCard", 603024, Nizhny Novgorod, st. Nevzorovykh, 49, office 9. for the purpose of informing the Client about other products and services of the Bank and execution of the Loan Agreement;
  • c. insurance companies (JSC "DalZHASO", 680000, Khabarovsk, Pushkin St., 38a; SOJSC "VSK", 121552, Moscow, St. Ostrovnaya, 4; CJSC "SO "Nadezhda", 660049 , Krasnoyarsk, st. Parizhskaya Kommuny, 39; JSC "SK "Kolymskaya", 680051, Khabarovsk, st. Suvorova, 45; LLC "SK "Renaissance Life", 115114, Moscow, Derbenevskaya emb., 7, building 22; VTB Insurance LLC, 101000, Moscow, Turgenevskaya sq., 2/4, building 1; CJSC SK Reserve, 680000 Khabarovsk, st. Postysheva, 22a, PJSC SG "Hoska", 680000, Khabarovsk, Pushkin st., 23 A, and others insurance organizations) providing insurance if the Client agrees to conclude an Insurance Contract, to the extent necessary for the implementation of insurance;
  • d. microfinance credit organizations OOO "MFO" Center fast loans", 680014, Khabarovsk, Vostochnoe shosse, 41 block A room 7; LLC MFO "Loan Online", 123001, Moscow, Spiridonovka st., 27/24; room 8-N, LLC "Honest Word", 127018, Moscow, Polkovaya st., 3, bldg. throughout the term of the Consumer Loan Agreement if it is concluded (within the framework of this consent, I also authorize the Bank to transfer to the above organizations a copy of my identity document).
  • e. recruiting consulting company financial services OOO "Finmedia"*, 194017 St. Petersburg, Dresdenskaya st., 15, lit. A, for the purpose of concluding credit (loan) agreements.
  • f. operator mobile communications PJSC Vympel-Communications (PJSC VimpelCom), 127083, Moscow, st. 8 March, 10, building 14, in order to obtain by the Bank an assessment of the potential solvency of the Client and other information affecting the possibility of concluding a Loan Agreement through the provision of information services by VimpelCom PJSC to the Bank: calculation and transfer of a scoring score; passing validation variables.

I give my consent to PJSC KB "Vostochny" to transfer information to the MFI, in the event of the conclusion of a Consumer Loan Agreement between the MFI and me, about the card number (PAN card), about the number of my bank account, opened in PJSC CB "Vostochny", operations on it for the purpose of execution and control over the execution of the Consumer Loan Agreement.

I also hereby give my consent to the MFI for receiving information about my credit history ( credit report) from any credit history bureaus for the purpose of making a decision by the MFI to conclude a Consumer Loan Agreement, as well as monitoring the existence and actual fulfillment of my obligations under it during its validity period, if it is concluded.

I hereby give my consent to the Bank to receive from organizations providing mobile communication services (PJSC "Mobile TeleSystems", 109147, Moscow, Marksistskaya st., 4; PJSC "VympelCom", 127083, Moscow, st. 8 Marta, 10, building 14; PJSC "MegaFon", 115035, Moscow, Kadashevskaya nab., 30) information: on the ownership of the telephone numbers provided by me to the Bank, on the status of the indicated telephone numbers. The information received may be used by the Bank for the purpose of concluding and/or executing the Loan Agreement, as well as for informing me about the products and services of the Bank.

*Offer agreement for the provision of consulting services by Finmedia LLC is available at

Every third Russian needs a loan. Borrowed funds used to buy real estate or a car, pay for tuition and household needs.

Over 45% of Russians take out small consumer loans. About 20% are in need of large loans. These loans are issued by banks secured by real estate.

Features of a secured loan

A bank loan secured by real estate is relevant:

If needed large sum– the loan amount is 60-80% of the value of the collateral;
If there is no way to document income;
If the applicant had delinquencies on previous loans and other financial irregularities.

Collateral is a guarantee of loan repayment. If the borrower defaults, the bank has the right to sell the collateral real estate and reimburse the losses.

What can you use a secured loan for?

For the purchase of real estate;
To buy a car;
To start a business;
For any purpose.

TOP-5 banks lending secured by real estate

Sberbank;
"VTB 24";
"Tinkoff";
"Raiffeisenbank";
« Eastern Express Bank".

Sberbank

The bank can take a non-targeted loan secured by an apartment. Its size is from 500,000 to 10,000,000 rubles. Interest rate determined individually. It depends on the amount of the loan, term and status of the client. Minimum size overpayment -14%.

To apply for a secured loan, you will need:

Application/questionnaire;
Passport of a citizen of the Russian Federation with permanent registration;
Documents that confirm the availability of a source of income and employment.

Real estate is accepted on security, such as a cottage, a plot of land or a garage.

Individuals who meet the following requirements can take out a loan secured by real estate in a bank:

Russian citizenship;
Age from 21 to 75 years.

If the borrower does not confirm solvency, the age threshold will be reduced to 65 years.

You can apply at a Sberbank branch or online. It is processed within 2-8 business days. After the application is approved, the client will be required to provide documents for collateral. If the mortgaged property meets the requirements, the bank will offer to sign the contract.

"VTB 24"

A loan secured by real estate in VTB 24 Bank is issued according to fixed rate at 12.25%. Maximum size the loan is 50% of the value of the collateral, but not more than 15,000,000 rubles. A loan secured by real estate is issued for 20 years. For service, decoration and early repayment commissions are not included.

An apartment in apartment building, which is located within the city, where there is a mortgage division "VTB 24". The property must be the property of the borrower.

From the documents you need:

Application/questionnaire;
Passport of a citizen of Russia;
SNILS;
Certificate of income 2-NDFL;
A copy of the work book signed by the employer;
Documents on the ownership of real estate;
Other legal documents.

"Tinkoff"

Which bank gives a loan secured by real estate online? The answer is simple: Tinkoff. The main virtual bank of Russia issues secured loans on the following terms:

Amount -15,000,000 rubles;
Term -15 years;
The amount of overpayment is 15% per year.

A secured loan is issued in full or in several tranches. Any real estate is taken as collateral: residential and commercial. To apply, you must fill out an application on the site and wait for a decision. The contract together with the money will be delivered by courier. The loan is non-targeted.

Raiffeisenbank

In Raiffeisen Bank, you can take a loan secured by real estate for any needs. The loan amount ranges from 500,000 (800,000 rubles for Moscow residents) to 9,000,000 rubles. It is issued for 1-5 years. The rate is set personally and starts at 17.25% per year.

The loan is repaid in equal monthly installments. In case of delay, a daily fine of 0.06% of the payment amount is imposed.

The pledge may be an apartment, which is the property of the applicant. An application for registration can be submitted on the bank's website, our portal or at a branch.

Orient Express Bank

In Vostochny Express Bank, a loan secured by real estate is issued for 20 years. Its size is from 300,000 to 15,000,000 rubles. The loan is issued at a rate of 16 to 26% per year.

Mortgage property can be:

Flat;
Cottage;
Commercial real estate.

Life insurance of the borrower is an optional condition, and property insurance is the opposite. You need to issue an insurance policy for real estate within 10 working days after signing the loan agreement. Insurance is issued by the client independently in a company that meets the requirements of the bank.

The above banks that provide loans secured by real estate are among the TOP-100 banks in Russia. They conduct honest and transparent activities. According to statistics, over 70% of applications receive a positive response.

Basic requirements for the applicant and real estate

To get a secured loan, you need to meet the parameters set by the bank.

Among them:

Citizenship of the Russian Federation;
Age from 21 to 65 years (sometimes from 23 to 60 years);
Permanent source of income;
Experience at the last place of work from 3 months, total experience - at least 6-12 months;
Absence financial obligations;
Good credit history.

Real estate that acts as collateral must be liquid, registered with the title authorities and suitable for habitation. If minor children or incapacitated persons are registered in the apartment, it cannot be used as security.

Importance of real estate loans

Lending secured by real estate is both a profitable and risky transaction. If the borrower refuses to fulfill financial obligations, then the property will be confiscated by the bank.

Therefore, you need to apply for a loan secured by real estate with absolute confidence in your financial viability.

How to get a loan without proof of income? Do they give cash secured loans? commercial real estate? What to do if you are denied a consumer loan secured by existing real estate?

decision to take real estate loan should be taken only after other options to borrow money from the bank have been exhausted, or in the case when you really need large sum that a regular consumer loan would not provide.

If you have not yet made a final decision or have made it, but do not know where to start, then this article will help you make a choice and find out how to properly apply for a loan secured by real estate without overpaying.

Denis Kuderin is with you - an expert of the magazine " HeatherBeaver» on financial and economic issues. We take convenient places and read to the end - in the final you will find an overview of banks with the most favorable credit conditions, plus advice on what to do if you were denied a loan.

The best offer on the security of a house or apartment from MyZalog24:

• Loan amount: 250 tr. - 7,000,000 million
• Loan terms: 1-30 years old.
• Interest rate: from 8.5 (by stock).
• Receipt of 2-3 documents.

  As collateral: apartment, comm. real estate, house for year-round use, cottage, apartment, townhouse.

1. A loan secured by real estate: features, advantages, disadvantages

A person who needs a certain amount of money always has a choice - to save for a long and tedious time, or take a loan and get what you want right now. The second option saves time, but is more expensive. It is also true that not everyone knows how to save, scrupulously and regularly setting aside free funds to a bank account or in a jar.

Therefore, many prefer to borrow from the bank. And since financial companies- institutions are serious, they do not like to risk their money how much in vain. They need guarantees that the funds will be returned on time and with interest. Banks will be more willing to trust you if you provide them with something of value as collateral, such as real estate.

Obtaining funds secured by real estate mortgage loan . Accepted as collateral apartments, Houses, land , dachas. The main condition is that the property must be liquid.

Both parties to the agreement benefit. Borrower receives profitable terms loans and loans, bank - confidence in the payment of a debt. As a rule, a loan secured by real estate is taken for a longer period ( 7-20 years old) than a regular consumer loan ( 1-5 years).

You have the right to pledge only the property that you own. This fact must be documented.

For the entire loan term an encumbrance is imposed on the object of pledge. You have no right to sell it, give it, exchange it. But, for example, it is allowed to rent or register new tenants on the living space. True, only after notifying the bank.

Banks will not take any housing as collateral.

Example

Natalya wanted to take out a loan to build a house in the suburbs on the security of her city apartment. However, the bank she contacted noticed that Natalya's underage daughter was registered in the living space.

The result is a refusal to issue a loan. To the question " why?» The employees replied that if the case went to court, it would not be easy to discharge a minor child from the apartment. And who needs an apartment with a tenant registered in it?

There are other conditions as well:

• home condition- housing should not be emergency, dilapidated, intended for demolition;
• home status- if it is an architectural monument, they will not be allowed to register an apartment as a pledge;
• redevelopment- apartments with illegal redevelopment are not taken as collateral;
• number of storeys- some banks do not want to take on security apartments on the last floors of high-rise buildings;
• housing condition- the property must be habitable;
• encumbrance The property must not be encumbered.

Immediately expect that you will not receive a loan corresponding to the full market value of housing. They will only give 50-70% from this amount.

Another nuance: banks are not the only institutions that take housing as collateral. This is what they do and MFI: the requirements for the objects of support there are softer, but the rates are completely different.

Now all the advantages of loans secured by real estate:

• a lot of money (to 30 million and more);
• long loan terms up to 20 years;
• the right to own the object remains with the owner;
• a relatively large selection of banks and credit programs.

There are also enough cons, and the main one is - risk of losing home if there are difficulties in paying the debt. Late payments are subject to penalties and interest without delay. If the money stops flowing into the bank, the debt grows like a snowball.

The regularity of loan payments - that's what you should think about in advance!

Other disadvantages - Availability hidden fees in loan agreements relatively complex procedure.

At the same time, the client himself must also meet the requirements of the bank - to be older than 21 years and younger than the retirement age, to have official employment, stable income and permanent registration in the region where the loan was issued.

2. Under what kind of real estate banks give a loan - TOP-4 popular types

Banks prefer to deal with commissioned apartments, cottages, private houses and dachas in prestigious areas. Liquidity- the key characteristic of the object. It means that the object can be easily sold at any time on the free market.

FROM dilapidated buildings or vice versa, luxury apartments banks are trying don't get involved. There is a risk that such an object will hang at the stage of sale.

Many credit institutions do not take collateral:

• premises located in 5 storey buildings built before 1975 (this rule applies in Moscow);
• hotel-type apartments;
• dorm rooms;
• apartments in two-story houses;
• wooden buildings;
• objects of construction in progress;
• non-residential buildings for storage or industrial purposes.

For other types of real estate, there will always be those who wish.

View 1. Apartments and rooms

The property must be habitable, with all amenities - electricity, running water, sewerage. Ceiling, wall and floor coverings must comply with the technical plan. Apartments in new buildings that have been successfully put into operation are the favorites of mortgage programs.

Offered by almost all banks that generally deal with such transactions.

Banks are less willing to issue or bail a room. Registration procedure fractional ownership will require the preparation of additional documents, which will take a lot of time. The task will be simplified if you delegate it to loan brokers.

View 2. Townhouses and houses with plots

Many now own townhouses: such houses are inexpensive and economical to operate. As a rule, these are new buildings, well-equipped, located in relatively prestigious areas.

Almost all banks give loans secured by townhouses.

The requirements for houses with plots are quite strict: they must be located within the city limits, have solid foundation and no less solid roof, sufficient area.

In which the walls or floors are wooden, it will be difficult to get. But there are banks that work with such real estate.

View 3. Dachas and plots

Not every dacha is of value to the bank. It must be fully furnished house with communications, power supply, a solid foundation, made of non-combustible building materials.

Site requirements:

• belong to the category of lands of settlements;
• have an up-to-date cadastral passport, number and plan;
• registered in the property in accordance with all the rules;
• are not located in water protection zones or in the territory of a national park.

And it should also be located in points where there is a division of the bank that gives the loan. Not all banks give, you have to look.

View 4. Commercial and non-residential premises

Banks give preference to retail and office premises - shops, covered markets, catering points, that is, the most liquid objects. This property is usually valued at an order of magnitude lower than the real market price, while all documents for the premises must be with the owner in perfect order.

A loan for such real estate is likely to be refused

Warehouses and production shops bail is much more difficult. Many banks do not work with such objects at all, but it all depends on what kind of building or room you want to arrange as security.

3. How to get a loan secured by real estate - 5 easy steps

Knowledgeable people advise: before taking on credit obligations, conduct a kind of training - live for several months, saving the amount that you are going to give to the bank as a monthly payment. You will understand how ready you are for financial discipline, and at the same time save up money for the first installments.

If you are ready right now and you do not need training, then use expert guidance. This will reduce the time of the procedure and help to conduct it more competently.

Step 1. Choose a bank and submit an application

There are many banks, and you are one (or one). Conclusion - you need to choose the best credit institution. That's what the market economy is for.

How do you like this fact: in the Russian Federation in 2015 they closed 60 banks. This means you have to choose wisely.

Closing the bank does not mean that you will no longer pay his debt. You will, but only to another bank for other details. And that's just too much of a headache.

Therefore, we choose a reliable credit partner.

What are we looking at:

1. Ratings- preferably international, but if you are a patriot, then use domestic ones - for example, the ratings of RA "Expert". The highest rating from this company looks like " AAA» – the highest degree of reliability and creditworthiness.
2. Comparison Services These resources will help you get oriented. Sites with the highest authority Compare.ru and Banki.ru.
3. Financial indicators– decent banks publish their profits in the public domain.
4. Reviews- only real and only on independent forums. Recommendations from friends, acquaintances, relatives are also welcome.
5. Age- if the bank operates on financial market more than 15-20 years, he gets a big plus and a credit of client trust.

It is also desirable to track latest news about the bank you are interested in. Suddenly, he changed owners or he transfers assets to another company. This is not good - choose another.

Step 2. We collect and submit documents

Documents are better collect in advance, even before contacting the bank. In every credit institution their ideas about required package, but you will definitely need some papers.

And more specifically:

• certificate of ownership of the object (or a fresh extract from the USRN);
• technical documents;
• title documents - by what right do you own real estate: purchase and sale, donation, inheritance, privatization, equity participation agreement, etc .;
• a document on the absence of arrests, encumbrances and all kinds of restrictions on the object;
• act of property valuation.

may require cadastral passport, extract from the house book, insurance, certificate of no debt by "communal" spouse's consent(-ha) on manipulations with real estate.

Borrower's documents:

• the passport;
• the second document (SNILS, military ID, TIN, driver's license);
• work book (a certified copy is suitable) or an employment contract;
• certificate 2-NDFL (if you are employed) or Bank statement if you receive money on the card;
• pension certificate if you are a pensioner.

Step 3. We are waiting for the inspection and evaluation of collateral real estate

Smarter evaluate the object independently and in advance(but no later than 6 months before the transfer of the object as a pledge) in an independent appraisal company. If you do not do this, the bank will offer to evaluate itself and will certainly underestimate the real value.

However, a bank employee will still inspect the premises. If he finds something to complain about, he will do it. The bank will never take on extra risks.

Step 4. We conclude a loan agreement and receive money

The most important moment. Banks are not always interested that you fully understand all the clauses of the contract.

Financial institutions make money, among other things, on the mistakes of customers and their low level of financial literacy.

The rescue of drowning people, that is, a careful reading of the contract, is the work of the drowning people themselves - that is, the borrowers. It is advisable to take the agreement home and read with a lawyer. Or do it in a bank, but not under the vigilant gaze of managers, but in solitude.

Pay special attention to:

• information about commission payments for financial transactions;
• terms of accrual fines;
• final rate;
• your rights as a landlord.

If credit conditions do not suit DO NOT sign. Even if they tell you that it is just a formality", what " everyone has a deal". You have the right not to believe, to be a bore and paranoid. It concerns your financial well-being for many years to come.

Step 5. We pay off the debt

Know in advance What is the cheapest and most convenient way to pay off your debt?.

Follow the debt repayment schedule strictly. It is best to use automatic deductions in your personal Internet banking account. So you will not delay the payment (provided that there is enough money in the account).

4. Where to get a loan secured by real estate - an overview of the TOP-5 popular banks

Mortgaging real estate is not the only way to borrow money from a bank. If you are in urgent need of a a small amount- before 300-750 thousand, take a credit card. There are offers with preferential lending terms - during these periods, interest on purchases and withdrawals is not charged.

Therefore, in the review, we included banks that work not only with collateral, but also with conventional loans.

1) Sovcombank

offers preferential terms for their payroll clients . In this institution, unlike other banks, they are loyal to pensioners. Confirmation of income is not a mandatory requirement, but in this case, loan rates will inevitably increase.

The average rate in Sovcombank - 18,9% . Amount - from 300 thousand before 30 million(but not more 60% from the value of the property). Required condition - the object must be located within the coverage area of ​​the product.

is included in the TOP institutions of the Russian Federation in terms of consumer loans. Loans are issued here with and without collateral, as well as. Rate - from 14,9% . Civil servants and payroll clients - fringe benefits and discounts.

All credit clients have the right to credit holidays. For 1-2 months, you can stop payments without any consequences. Submit your loan application before 3 million online and get a response from the bank within 15 minutes. Detailed conditions are on the company's website.

- there are no queues, weekends and breaks. All operations are performed remotely - via the Internet or by phone.

If you urgently need money for personal needs, order a Platinum credit card with a limit 300 000 rubles and use it for preferential terms. For the first 55 days no interest is charged. Registration and delivery to your home address is free. 30% With each purchase they are returned to the account in points.

4) Alfa-Bank

offers, in addition to conventional consumer and mortgage loans, to issue a credit card for 750,000 rubles. Record Grace period lasts 100 days - interest on purchases and cash withdrawals is not charged.

Salary customers are offered preferential rates for conventional loans. if you have salary card, the loan will cost you 3-5% cheaper.

5) Renaissance Credit

– traditional cash loans are available in this bank, as well as urgent order and processing credit card with a limit 200 thousand rubles. Issue and maintenance - free of charge.

It will take a few minutes to fill out the application, the answer from the bank will come in a couple of hours. You will only have to pick up the product at the nearest bank branch.

Comparison table loan offers from banks:

№	Banks	Rate, in %	Amount, in rubles	Advantages
1		From 18.9	Up to 30 million	Loans secured by apartments, houses and land
2		From 14.9	Up to 750,000 per card, up to 3 million cash credit	Convenient payment methods Personal Area, mobile bank or ATMs
5		From 13.9	Up to 200,000 per card, up to 700,000 in cash	In addition to the card, several lending programs are available, including for pensioners

5. What to do if a loan is refused - 5 useful tips

Every bank has security Service, and this service is always on the alert. There are dozens of reasons for refusing to lend. Sometimes messy is enough appearance client to get a polite "no" when asked for a loan.

Main reasons - insufficient level of solvency of the client, bad credit history, illiquid property.

What to do if you get rejected? Do not panic, but try rectify the situation.

If you have outstanding loans, new loans are reluctant to issue. All "tails" must be eliminated. Sometimes an unsecured loan is some 100 rubles of debt on a long-forgotten account. In addition, each client has its own limit of existing loans, depending on solvency.

Advice: when closing loans, be sure to take a certificate from the bank stating that there are no debt obligations.

Some requirements of the bank are quite easy to satisfy. For example, if there is not enough seniority in current service, just wait a couple of months until the right time comes up.

If the bank noticed insufficient solvency, try to reduce the loan amount, find guarantors or co-borrowers.

Fill out the missing documents, if the problem is in them, replace them with new ones in which the bank employees found errors or expired.

Tip 3. Use the services of a loan broker

Credit Broker is an intermediary that has its own channels of interaction with the bank, and knows where right now offer the best credit terms.

But you need a reliable specialist, not an amateur or a scammer, so you should look for a broker in famous companies with an impeccable track record and many years of experience.

It takes time to fix a negative credit history. One of my friends was advised in the bank apply for a credit card 100-150 thousand and pay off your debt on time..

And the easiest way is to go to another lender. Banks are competing organizations. Although they use one The Bureau Credit History , the criteria for ranking clients in each institution are individual. For one bank you are a dubious person, for another you are a welcome guest.

Useful video to help you.

6. Conclusion

Get a loan secured by real estate good way get a large sum of money long term. But before applying for such a loan, you need to comprehensively analyze your financial capabilities and conditions for concluding a deal with a bank.

Question for readers

In your opinion, is it worth getting a loan secured by real estate in an MFI if you were denied such a loan in banks?

HeatherBober magazine wishes you successful and profitable transactions! We look forward to your comments and feedback. Please rate and like on social media. See you soon!

• at the place of registration of the borrower/one of the co-borrowers;
• at the place of accreditation of the company-employer of the borrower/co-borrower.

Loan application processing time

Up to 6 business days.

The procedure for granting a loan

At the same time.

Loan repayment procedure

Monthly annuity (equal) payments.

Partial or full early repayment of the loan

It is carried out upon an application containing the date of early repayment, the amount and the account from which the transfer will be made Money. The date of early repayment indicated in the application must fall exclusively on a working day.
The minimum amount of early repayment of the loan is unlimited.
There is no fee for early redemption.

Penalty for late loan repayment

Penalty* for late repayment of the loan corresponds to the amount key rate of the Bank of Russia, effective as of the date of conclusion of the Agreement, from the amount of the overdue payment for the period of delay from the date following the date of the fulfillment of the obligation established by the Agreement to the date of repayment of the Overdue Debt under the Agreement (inclusive).

The Bank of Moscow is one of the few lenders that is distinguished by its loyal attitude towards each client.

Unless, of course, borrowers in in full fulfill their obligations. To obtain a loan with collateral, the future borrower will not have to perform any complex activities, all that is required of him is:

1. collect all the certificates requested by the bank;
2. be of credit age;
3. insure mortgaged property;
4. provide proof of their ability to pay;
5. attract trustworthy guarantors if necessary.

Regarding point number 4 - it is not always necessary to provide information about wages or personal income tax form. With an individual approach to each client, the bank may not require this confirmation if the collateral is highly liquid and meets all requirements.

Design methods

The first thing a future borrower needs to do is fill out an application for a loan and submit / send it to the bank for consideration. This procedure can be done in several ways:

• call to hotline bank and after a detailed consultation make a request;
• fill out an online application form on the official website of the bank;
• visit the nearest branch of the bank and personally fill out the questionnaire in writing.

The simplest and most effective method of those listed is an online application. In this case, there are no expectations, and filling out the form is quite simple. The decision from the bank will come within half an hour. If the answer is positive, you will need to visit the nearest branch of the bank to sign the contract and receive money.

Variety of programs

Program name	Annual rate, %	Repayment period, years	Loan size
Loan with the provision of existing housing			Up to 80% of the value of the appraiser
New building with provision for existing housing			Up to 80% of the value of the appraiser
Consumer loan secured by real estate			Up to 50% of the value of the appraiser
Buying a second home			From 490 thousand rubles
Refinancing			From 490 thousand rubles
Construction of a residential building			Up to 200% of the value of the appraiser
State-supported mortgage			3 - 8 million rubles

Considering the bank's loyalty to all customers, the lender provides an opportunity to use a service called "credit holidays". That is, it is the right of the borrower not to pay mandatory payment within the specified period, but only 1 month. You can use this privilege in the following cases:

• if you have an excellent credit history;
• if you have not had a single delay in payments before;
• if you do not have any restructured loans.

The borrower can use this opportunity only once a year.