Odnushka for ₽177 thousand per month: what kind of mortgage banks are offering now

Rates on basic mortgage programs of banks from the top ten start at 14.89%, but such conditions are only in one credit institution. Payment for the purchase of a studio or one-room apartment in Moscow at base rates reaches 177 thousand rubles.

The minimum rate for basic mortgage programs is 14.89%. On such conditions, it is proposed to take a mortgage on new buildings with typical loan parameters for Moscow at Alfa Bank. A loan for secondary housing in the same bank can be taken at 15.19% - this is the lowest rate among the top 10 banks with the largest mortgage portfolios. The amount of monthly payments in Alfa Bank on such loans is 90.3 thousand and 91.9 thousand rubles, respectively. per month.

Only Dom.RF Bank offers a rate below 20% among all banks from the top ten - the conditions for the purchase of a new building and secondary housing are the same here: 19.5% per annum, the amount of the monthly payment is 115.4 thousand rubles. per month. When calculating a loan on the website, the bank indicates the income requirements of the borrower - from 192.4 thousand rubles. per month.

As considered

Information on rates is taken from the websites of the top 10 banks with the largest mortgage portfolios (as of March 17). When choosing the loan parameters, the editors were guided by the average indicators of the primary and secondary markets for Moscow according to Frank RG. The rates and the amount of payment for a loan in the amount of 7 million rubles were calculated. for the purchase with a down payment of 20% (1.75 million rubles) of an apartment with a total cost of 8.75 million rubles. The term of the loan is 22 years, with the exception of Gazprombank, where the deadline at the time of publication is limited to 15 years. The calculations took into account the basic conditions for the client without subsidies, state support, benefits and additional options that reduce the rate, subject to confirmation of income by the borrower.

Third place in terms of rates from Raiffeisenbank : the purchase of a new building with the specified loan parameters is credited here at 20.69%, the monthly payment is 122 thousand rubles. per month When calculating a mortgage on the bank's website, it is indicated that for the first installment from 10% to 20% (inclusive), 1 percentage point is added to the rate.

It is impossible to calculate a mortgage for the purchase of a “secondary property” on the bank's website at the time of publication, the minimum rate for such loans is indicated as 18.49% (similar for new buildings). RBC-Nedvizhimost sent a request to the bank whether applications for mortgages for secondary housing are now accepted and under what conditions. The press service of the bank declined to comment.

Sberbank ranks fourth in terms of rates - it is offered to get a loan for an apartment in a new building at 20.8% per annum, for secondary housing - at 21.1% per annum. The amount of the monthly payment is 122.6 thousand and 124.3 thousand rubles, respectively. per month. The minimum amount of income is 159.4 thousand rubles. and 161.6 thousand rubles. per month.

Without subsidies: developers curtailed programs to reduce mortgage rates

In fifth place is the bank of FC Otkritie , where the rates for primary and secondary housing are 22.99%, the monthly payment is 135 thousand rubles. per month. When calculating a loan with the specified parameters, the bank indicates that the borrower's income should be from 270.8 thousand rubles. per month, if such an amount is not available, it is proposed to attract co-borrowers.

The rate at VTB Bank is slightly higher - 23% for primary and secondary housing. The amount of the monthly payment is also 135 thousand rubles. per month, the bank is ready to consider borrowers with an income of 195 thousand rubles. per month. If the figure is less, it is proposed to attract up to three guarantors and issue a joint income.

In Rosbank , the rate on loans for the purchase of both types of housing is 24.5%, the minimum payment is 143.6 thousand rubles. per month. If this is not the first loan of the borrower in the bank, the rate is reduced by 0.25 percentage points.

At Gazprombank , both a new building and a “secondary building” at the time of publication can be borrowed for a period of no more than 15 years. With a loan amount of 7 million rubles. and with a down payment of 1.75 million rubles. the proposed rate is 25.5%, the amount of payment is 152.3 thousand rubles. Required income - 234.4 thousand rubles. per month.

In Rosselkhozbank , the rate for new buildings is 26%. The bank calculates the amount of the monthly payment for two options - annuity (152.2 thousand rubles per month) and differentiated (178.2 thousand rubles). The rate for secondary housing is slightly lower: 25.8%. The amount of the monthly payment, respectively, is 151 thousand and 177 thousand rubles.

Until March 16, Promsvyazbank did not make it possible to calculate the conditions for a mortgage on the website for a loan amount above 3 million rubles. According to Frank RG, yesterday PSB resumed issuing mortgages under basic programs. Now the rate for a new building or secondary housing with the specified parameters on the bank's website is 26.3%, the monthly payment is 153.9 thousand rubles. per month.

Basic conditions for mortgages of banks from the top 10, March 17, 2022