Mortgage in the Moscow region. What is a mortgage contribution

Banks that offer customers a housing lending program, along with mortgage, offer to open borrowers planning to arrange a mortgage, a special contribution. What is a mortgage contribution and what is its essence, consider below.

Nowadays, various properties of the population acquires, issued mortgage. To become a member of the long-term housing lending program, it is necessary to own a certain amount for initial contributionwhich is mandatory when making a mortgage, as well as pay the services of a certain number of real estate specialists.

With regard to the value of the initial contribution, it depends on the mortgage program that creditors offer. Minimum size The initial contribution provided for by the program is 10%. There is a chance to find a mortgage loan at all without this kind of payment, but this is not so simple, and the terms of the loan themselves will be disadvantageous. The degree of creditor confidence in the borrower will be determined by the maximum value of the initial contribution, which is ready to make a client, and this, in turn, will affect the amount of the annual bet.

What is a contribution to mortgage

Banks that offer customers a housing lending program, along with mortgage, offer to open borrowers planning to arrange a mortgage, a special contribution. This option of the deposit is practically no different from the usual contribution. The contribution can be replenished, and interest will be charged. Means from such an account will be targeted - they can pay the initial contribution to the housing loan. In this and consists key feature This contribution. In the event that the borrower in the time of the mortgage contribution has thought of buying real estate, it will have the opportunity to get his money, but without paying interest from the bank.

What advantages has a mortgage contribution

If the borrower decided to use the means of the mortgage contribution to the target - to make the first contribution of the mortgage, then in this case
He is relying a number of advantages. The client in the eyes of the creditor bank acquires confidence, so it is offered by a housing loan on the bank of the lender bank favorable conditions. For example, on the part of the bank, proposals may be made to mitigate the conditions for housing lending, which will be the basis to speed up the transaction procedure. It is also possible from banks by cancellation of the Commission, which must be paid on a housing lending transaction, for customers who have a mortgage contribution.

Conditions for opening a mortgage contribution

Each client has the opportunity to make a mortgage contribution. Each Bank offers its work conditions for this kind Deposit. The contribution can be opened only in rubles. Concerning interest rate By this contribution, it is small, but it makes it possible to reduce the mortgage loan rate, which is issued in the same bank. The contribution is urgent and usually opens for a period of 4 to 6 years.

Placing funds is carried out on standard conditions With reservations:

• the purpose of the discovery of the contribution is the accumulation of funds for the first contribution of the mortgage;
• the interest rate is usually lower than according to standard programs;
• advances in obtaining a mortgage loan in the same bank;
• available use for other consumer needsnot related to the acquisition of housing;
• the contribution is used both to obtain mortgages and other purposes;
• in coordination with the bank, the amount of the uncompanable balance with the possibility of removal / replenishment is established;
• the decision on the issuance of a mortgage loan is made on the general basis that are independent of the availability of such a contribution;
• the possibility of placement on the account of the state program subsidy.

• age from 18 to 65 years;
• russian citizenship.

1. Choose a bank with a mortgage service.

2. We provide:

• identification;
• the minimum amount of funds for opening a contribution.

3. According to the accumulation of funds, we appeal in the same or other bank for obtaining a mortgage.

4. We introduce the first installment, conclude a mortgage agreement.

Available accumulation of funds to the initial contribution of the mortgage as special programsAnd on the deposit with any other tariff plan.

• "Building savings checks" Sberbank of Russia.

The funds are stored on the deposit of 4 to 6 years. After accumulating the required amount of the contribution, the application for a mortgage is sent. The preferential loan rate is 6%.

• Service "My Objectives" Alpha Bank

To increase funds on a cumulative contribution and replenish funds, it is enough to connect the service "My Goals" in the Alfa-Bank system.

• "Contribution to Mortgage" VTB 24

1. You can accumulate funds for the first contribution of the mortgage by placing funds in classical deposits. Interest rates on them are usually an order of magnitude higher.
2. Please note whether the Bank provides mortgage benefits in the presence of a deposit of housing and accumulation.
3. The term of entering into a contribution contract is important. In case of early removal, some banks recalculate profit from the calculation of the demand "to demand", that is, 0.01%.
4. If the deposit amount exceeds 700 thousand rubles, it is better to break it and make deposits in different banks. This will reduce the risk of non-return of funds under the bankruptcy of the bank.

Credit registration for the purchase of any facility of residential real estate, as a rule, requires own funds To pay for related expenses. The most important and cost point of mortgage costs is an entrance payment. Under the conditions of most such programs, the borrower must make a certain percentage of estimated valuepurchased housing. And only when performing this condition, the applicant can count on obtaining a mortgage loan. The minimum size of this contribution ranges from 10 to 50 percent of full sum, accommodated housing loan - each bank independently sets this value.

From how much the borrower contributes at the first stage of lending, the amount of interest rate depends largely. Of course, the larger the amount of the initial payment, the lower the creditor grant. Meaning financial condition Many borrowers do not allow them to make even the most minimal initial contribution of the mortgage loan. Some in such cases are issued standard loan Cash in order to use it for the mortgage. However, this increases and without a significant amount of overpayment housing loan. Today there is more favorable option The accumulation of a certain amount required for entering the entrance charge is a mortgage contribution.

What is a mortgage contribution

Mortgage contribution is a special product of the credit market, which was created specifically for borrowers who do not have sufficient funds for making the first payment on the housing loan. This contribution has much in common with other types of deposits. Its main difference lies in direct appointment - the accumulation of funds for the initial fee. This embodiment and increase savings has a certain period of validity and certain interest rates - like all deposit programs. The owner of such a contribution also has the ability to periodically replenish it. At the same time, as a rule, the Bank does not establish any restrictions in the amount additional contributionsnor their exact number. It should be noted that it is possible to open a mortgage deposit not only in order to use the received profits on the introduction of the initial payment. In other words, despite the fact that this product is intended for the accumulation of funds necessary for the entrance fee on the mortgage, it opens it and simply to receive it additional income.

Features and main advantages

Despite the fact that the credit organization is still as a depositor uses accumulation from a mortgage deposit, it is precisely the total amount of profit. That is, for what purpose the borrower closes the contribution and removes the means directly depends on the total amount of income. If the accumulation of the borrower plans to use for a direct purpose - for making a mortgage, the bank gives it all the profit together with the percentage. In the case when cash Removed for the implementation of any other personal goals of the depositor, then it only receives the main income, without percentage.

In addition, the mortgage contribution allows you to obtain the money necessary for the design of a housing loan, its opening has several more positive Parties. First, the borrower, which is the owner of such a deposit, can count on more flexible and favorable conditions for obtaining a mortgage. That is, the presence of a mortgage contribution, as a rule, is in a plus borrower, which submitted an application for the design of a housing loan. In particular, those who have placed funds in the bank, where the application is submitted, always more chances to get mortgage loan. Secondly, banks give them credit funds without any commissions. Thirdly, the presence of such a deposit often has a significant impact on the size of the mortgage rate. And this factor in turn is the most important in determining the total cost of housing loan.

Opening of a promising deposit

Place savings on a mortgage contribution can any citizen of our country. The main currency in which the deposit opens is domestic cash units. It is worth noting that not all credit organizations They have such deposits on the list of their products. When choosing the most profitable and appropriate bank offer On the opening of the mortgage deposit, it should be guided, first of all, with its financial capabilities. After all, without regular replenishment of the contribution, the necessary amount of accumulation is quite difficult. Without making own funds, this will require a very large amount of time. And over time, crediting conditions change, including the size of the rate and the amount of the minimum contribution. In order to find an acceptable option, you need to consider all relevant programs acting on this moment. As an example, consider the absolutbank product.

Contribution "Mortgage +"

Placement of own funds on this deposit allows you to quickly accumulate a certain amount on the introduction of a housing loan payment. The currency of the mortgage contribution is only rubles of the Russian Federation. Restrictions on maximum amount There is no investment, while minimum amount Makes up 100 thousand rubles. You can open the contribution for up to 367 days. Percentage payment is made every calendar month, and capitalization upon completion of the contract. Maximum rate is 8.75% and is provided when investing on the most long period. Borrowers who open a mortgage contribution can count on a decrease in the current mortgage interest rate.

Most of the objects of different real estate today is purchased by people by making a mortgage loan. To take advantage of long-term housing lending programs, a person must have some amount of own cash savings, which will be required to pay for services of various specialists, as well as to make an initial payment, because it is practically obligatory for all existing proposals.

The concept of mortgage contribution

You can use the funds from such an account only to pay an initial housing contribution. This is exactly main feature Mortgage contribution. If the borrower during the action of the mortgage contribution has changed his mind to acquire real estate, he will be able to get his funds, but it will only be accumulated by the amount. Interest in this case, the bank will pay back to pay.

Benefits of the mortgage contribution

How to open a mortgage

Today, many worries the question. We talked about this in more detail in some of our previous reviews.

While with the concept bank deposit Almost everyone is familiar, not everyone heard about the mortgage contribution. Since the issue with real estate, one way or another rises in the life of every person, it will be not bad to deal with this term. However, it is already obvious from the name that the mortgage contribution is associated with the acquisition of housing in the mortgage and is made precisely for this purpose.

If the history of this concept is touched very briefly, then the mortgage contribution is borrowed from the experience of the European Union countries (as analogues of American and European models were the Insurance Agency, an individual investment account, mutual funds, etc.). In Europe itself, by the way, quite many have acquired housing thanks to the mortgage contribution. The first region in Russia, where the project was tested was the Krasnodar region.

So, the idea is such that you choose a bank through which you are going to take an apartment in the mortgage and make a mortgage contribution there. In many ways, its conditions are similar to the usual deposit, but have a number of features. In addition, they may noticeably vary from the bank to the Bank: the conditions of top banks will certainly be less attractive compared to less well-known financial institutions. As a rule, such deposits can / need to be replenished throughout the entire period of the contribution, and percentages are reinvigated monthly. An additional plus can be called the fact that the mortgage deposits are not provided consumables; Automatic extension of the contract depends on specific conditions.

Nevertheless, the client does not bear obligations at the end of the deposit period to certainly use it for a mortgage contribution. Those. The name "Mortgage" at the contribution partly can be considered conditional - however, at least three circumstances make a mortgage contribution to an unprofitable alternative to the usual contribution. First, the percentage of the mortgage contribution is noticeably lower than the usual, which is hardly to like to depositors. Secondly, the minimum term of the mortgage contribution for a little more profitable rates It is calculated for years. Thirdly, sometimes such an account implies regular (monthly) replenishment. All this allows the bank with a greater probability in the future to attract the accumulated contribution of the client precisely under mortgage purposes - i.e. Get additional benefits (it is known that overpayments over long-term mortgages are very significant).

However, agreeing on the unprofitable deposit conditions, the depositor must receive something in return. Different banks Compare different benefits and conditions that can usually be reduced to the following types:

• Credit money can be added to the contribution
  

• Depositor can be issued a preferential loan

• Preferential price of the acquired property

• Lower rates for the future mortgage loan

The first item has the feature that may not be executed if the deposit account is not replenished in a timely manner. And it is clear that credit percentage On the bank introduced a share will be higher than the mortgage in deposit, and " goldfish"To do it will not work - although externally contributes to grow faster. There is another substantial reservation: the mortgage in itself is not a guarantee of a positive decision of the bank on the issuance of a mortgage, since the solvency of the borrower will still be a decisive factor.

Finally, the cost of 25-30% is required to buy housing from the cost of the apartment, which in most cases exceeds insurance amountprovided for by the DCA. So the choice of a reliable bank providing a mortgage contribution service is important to them, for example, Sberbank or VTB 24 (by the way, a mortgage loan can also be discovered in dollars and euros, at least minimizing the devaluation risks). However, the economic situation in Russia forces me with caution to look at any long-term accumulative projects that carry a considerable country risk. VTB 24 as part of the mortgage contribution offers even a small line of products with such conditions (today).