Mortgage in St. Petersburg: banks, terms and conditions of processing

Finance

Today not every person living in thecultural capital, can afford to buy their own housing. Of course, to earn such a large amount of money is almost impossible for an ordinary office employee or builder. That is why the mortgage in St. Petersburg is in great demand among citizens.

By and large this program representsa credit that is given to people for the purchase of real estate. Although the debt repayment term can be more than 20 years, the interest rate on debt is usually almost half the cost of an apartment. In addition, many organizations that provide mortgage services in St. Petersburg require payment of an initial installment. Such amounts are also very difficult to collect in a short time. That is why before taking a loan, it is recommended not only to study the real estate market, but also the services of banks.

Types of mortgage lending

To date, there are several options for such debt relations:

State subsidies. This type of lending to citizens appeared relatively recently. A loan of this type can be considered a profitable mortgage in St. Petersburg, since the interest rate in this case will be only 11.25% per annum. However, in order to obtain such a loan, it will be necessary to formalize a comprehensive mortgage insurance for consumers and their property. Also, according to subsidizing, it is allowed to purchase apartments exclusively in the primary market, taking into account the cost of housing from 3 to 8 million rubles. The term for which a loan is issued is usually 25 years.
Mortgage in the primary market. In this case, it is allowed to purchase a residential area worth 1 to 12 million rubles. If a resident of St. Petersburg decides to purchase real estate in the primary market, then several programs will be available for him. "New construction under the passport" - the annual interest rate will be 13%, at the same time it will be necessary to make at least 30% of the apartment cost, the payment period is up to 25 years. "New construction" - it is necessary to prepare an expanded list of securities and to make a PV equal to 15%.
Mortgages in the secondary market. In this case, several programs will also operate. "Apartment on the passport" - MF not less than 30% of the cost of housing, the annual interest rate is 13.25%. "House" - in this case a resident of St. Petersburg can buy a country house, the cost of which will be from 500 thousand to 12 million rubles. The initial payment is 25%.

However, it is worth considering that the mortgage in the bankSt. Petersburg may vary significantly depending on the organization chosen. Not all credit companies are associated with loans of this type. In addition, there is a chance to run into scammers. Therefore, it is better to apply for a large loan in a trusted and reliable organization.

Mortgage in St. Petersburg in the Savings Bank

To take out a loan to buy a living space,most people turn to this credit organization. The fact is that Sberbank is the largest in the territory of the Russian Federation, through it pensions and other subsidies from the state are accrued. Accordingly, taking here a loan, a person will be sure that the financial company will not go bankrupt.

So, if we talk about the terms of the mortgage in St. Petersburg in the Savings Bank, it is worth voicing a few key points:

If you apply for a loan for a new building,the minimum interest per annum will be only 10.4%. At the same time, the amount of crediting will not be less than 300 thousand rubles. The PV to be added is 20%.
When making a loan for the purchase of secondary housing, the percentage of annual payments will be a little more - 10.75%.
If a citizen wishes to buy a country house, the rate will be 11.75%.

mortgage without down payment in St. Petersburg

In addition to this organization, you can take a mortgage in St. Petersburg in VTB 24. It also has a stable job and a long history of existence.

Mortgage in VTB 24

This bank offers consumers several options for mortgage lending:

Mortgage in St. Petersburg for a new building. In this case, the rate will be 10.9% per annum, and the rate of 10%.
Apartment in a finished house, the cost of whichis not more than 60 million rubles. Those who want to acquire such living space, will need to make as a down payment of at least 10% and pay annually about 11.25%.

Mortgage in the bank "Otkrytie"

In this case, for mortgage lendingyou must make at least 20% of the price of the apartment. The annual rate will be 11.25%. If we talk about the maximum period of credit, it will not be more than 30 years.

In addition to the mortgage in St. Petersburg, Bank Otkrytie offers citizens loans for capital repairs of apartments.

Mortgage in SKB

This bank is also a fairly reliable organization, which you can apply for mortgage lending.

SKB offers citizens the possibility of early repayment and reduction of payment terms. At the same time, the interest rate on the loan will be 14% per annum.

Nevertheless, many are interested in the possibilitymortgage in St. Petersburg without a down payment. If we are talking about a young family, then there really is. Since today the living space is most often bought by spouses with young children, the state has developed a special program for them.

Mortgage in St. Petersburg: a young family

This project is suitable for spouses whose age isdoes not exceed 35 years. In this case, the use of maternity capital as an initial and several subsequent contributions is implied. Further payments are made in the standard mode. The interest rate is 12.5% per annum. Roughly speaking, having received MK, it is possible to issue a mortgage without an initial installment in St. Petersburg.

In addition, young families without children sometimesformulate special subsidies from the state. According to these privileged conditions, the spouses can apply to one of the accredited bank branches in order to receive financial assistance, which can be used in different ways:

set off the amount in favor of PI for mortgages;
repay part of the loan or its full amount;
to deposit this money as a payment for housing.

Among other things, mortgage lending with a lower interest rate (the amount of which will be much lower than the market rate) becomes available to program participants.

Funding for this program canbe carried out both from the federal and local budget. In this case, an interest-free loan may be issued, at which the initial installment will be 30% of the value of the apartment.

Crediting of military personnel

In 2005, the state launched the program"Military Mortgage" in St. Petersburg and other cities. According to the innovation, the state provides people who serve in the army, living space is not in kind, but in cash. This means that a serviceman can get a subsidy in the amount of 1 million rubles and spend it on primary mortgage payments or purchase low-cost housing for this amount.

In addition, the "Military Mortgage" in St. Petersburgimplies the allocation of funds in the amount of 2.5 million rubles to repay loans. These cases are considered privately. The average amount of subsidies issued by the state is about 3-4 million rubles. If a soldier wishes to purchase housing at a higher cost, then he pays the rest himself.

However, it is worth considering the fact that this subsidy contains a number of amendments and exceptions. Accordingly, not every person serving in the army can get substantial financial assistance.

Finally

Get a mortgage can almost everyonea person who has a permanent place of work. Everything depends on the conditions of a particular credit institution. Of course, it is best to apply for loans to one of the state-owned banks. Only in this way will a citizen be guaranteed. Before buying an apartment in a mortgage it is recommended that you carefully study the real estate market and, if possible, consult a lawyer. If you approach the issue wisely, you can significantly reduce the cost of buying an apartment. In addition, it is worthwhile to carefully study the list of subsidies offered by the state.