From 10 February 2006 Savings Bank of Russia lowers interest rates on loans for the purchase of housing, and introduces new types of loans. Now, in addition to credit for real estate services to clients two types of mortgage loans - «Mortgage» and «Mortgage plus».
rates on loans for real estate and on the program «Family» reduced from 18% to 16% of mortgage loans - from 18% to 15% loan «Mortgage Plus» - 18% up to 14%. The maximum period for which may be granted credit, increased from 15 to 20 years. It is possible to provide a delay in repayment of principal on the loan.
Credit for real estate is given the people on bail of natural or legal persons, as well as on security of liquid assets (transport, real estate, household appliances). The rates for this type of loan is 16% in rubles and 11% in foreign currency. Also, Sberbank of Russia begins with the issuance of mortgage loans, which make possible the acquisition of real estate as a primary or secondary housing market, where the provision of credit in favor mortgage buying an apartment or house, and security in the form of sponsorship of individuals or liquidity of mortgage assets is required only to registration of mortgage housing. The rate of mortgage bank is set at 16% per annum, and after the borrower will provide the bank document confirming the state registration of mortgage of the property in favor of the bank, the rate drops to 15%.
Credit
«Mortgage Plus» Sberbank issued in a joint program with the mortgage companies, developers. In this case, during the construction phase as security for bail in favor of property rights to the apartment and guarantee the borrower's spouse, and after completion of construction - the mortgage of the property. Now the interest rate on this type of loan is 15% of rubles and 10,8% in U.S. dollars or euros, and after granting the borrower the document confirming the state registration of mortgage of the property in favor of the bank rate will be reduced to 14% and 10 , 6%, respectively.
In addition, the bank now gives a borrower up to 90% of the total value of the apartment, and families with children wishing to receive credit on the program «Family», can count for up to 95% of the cost of housing. The loan amount can be up to 68 monthly income (before - up to 50 earnings).
