From 23 January, the bank «Electronics» launches a program of mortgage lending to individuals. Credits are issued in rubles and dollars for the purchase of housing on the primary and secondary real estate markets in Moscow and Moscow region, as well as in the Saratov and Bryansk, where the branches of the bank. According to the press-service «Electronics».
Loans are granted for the purchase of individual apartments in apartment houses, and detached houses (cottages) and houses interlock (taunhauzov). Credit period - from 1.5 years to 25 years in rubles and 10, 15 and 25 years - in the U.S., initial payment equal to 15% in rubles and from 20% - in dollars. Ruble credits are available in the amount of 300 thousand up to 16.2 million, the amount can not exceed 85% of the cost of purchased housing. The credit in dollars issued in an amount of 20 thousand up to 300 thousand, which amount to 80% of the price. The interest rate on ruble loans is 12-19% per annum, on loans in dollars - 11-16,5%. Early repayment is possible within 6 months after the issuance of a ruble, and credit through the year if the loan was received in dollars.
mandatory requirement of the bank «Electronics» when issuing credit - life insurance and disability borrower. Also, it is necessary to insure the risk of loss and damage to the dwelling and the title (the risk of loss of property rights). The cost of the insurance risk is about 1% (but no more than 1.5%) of the amount of credit issued in the year.
