VTB 24 mortgage lending rates. How to get a mortgage from VTB24 bank

VTB 24 consistently ranks second in the ranking of the largest banks in Russia in terms of the number of mortgage loans issued, hopelessly behind Sberbank and just as confidently ahead of everyone else. In 2011, VTB 24 mortgages were used by more than 50,000 people, who received about 80 billion rubles for the purchase of housing. Thus, the average size of a mortgage loan from this bank slightly exceeded 1.5 million rubles.

Documents for VTB 24 mortgage

In order to take out a mortgage from VTB 24 Bank, you will need the following required documents:

Passport;
Copy of military ID or driver's license;
A copy of the work book, certified by the employer;
Certificate of income in the form of 2-personal income tax or in free form.

In more detail about the list of documents for a mortgage in VTB 24:

List of documents (if you are a worker) (143 KB)
List of documents (for businessmen) (57 KB)

Owners of their business will need to provide an extract from the Unified State Register of Individual Entrepreneurs or the Unified State Register of Legal Entities, an extract from the bank in which the current account is opened, balance sheet and a profit and loss statement, as well as a certificate of debt.

Some VTB 24 mortgage programs require only 2 documents (see conditions below).

Mortgage conditions (interest rates, maximum term, etc.) and its online registration on the VTB 24 website

Via the Internet, you can submit an online application for the following types of bank mortgages at VTB 24:

The product's name	Mortgage terms	Apply online
Buying ready-made housing	Bid: from 14.95% Min. sum: from 1,000,000 rub. Max. term: up to 50 years An initial fee: 10% or 20%
Apartment in a new building	Interest: from 14.95% Min. sum: from 1,000,000 rub. Max. term: up to 50 years An initial fee: 10%, 20% or 30%
Mortgage + maternity capital	Bid: from 9.9% Min. sum: 300,000 rub. Max. term: up to 50 years No down payment * (read the explanation after the table)	Program canceled
Victory over formalities	Interest: from 14.95% Min. sum: from 35% of the cost of housing Max. term: up to 20 years Consideration of the application: up to 2 days An initial fee: from 35% Documentation: 2 documents
Mortgage with government support	Bid: from 11% Max. sum: up to 8 million rubles. Min. term: 5 years Max. term: 30 years An initial fee: from 20%	The program has been canceled due to expiration date
garage mortgage	Interest: from 13.95% Min. sum: 150,000 rub. Max. term: up to 50 years An initial fee: from 30% or from 40%	Program canceled
Non-target	Bid: from 15.5% Min. sum: from 500,000 rub. Max. term: 20 years An initial fee: from 30%	Program canceled
For the military	Bid: from 9.9% Max. sum: 2.31 million rubles.
Collateral property	Bid: from 14.95% Min. sum: 1,000,000 rub. Max. term: up to 50 years An initial fee: from 20%
freedom of choice	Interest: from 11.95% Min. sum: 500,000 rub. Max. term: up to 20 years An initial fee: from 30%	Program canceled
VTB24 salary card is the key to your new apartment!	Bid: from 11.5% Min. sum: 500,000 rub. Max. term: up to 50 years	Program canceled

* - the program itself was not a mortgage without a down payment by VTB 24, but thanks to the maternity capital it was possible to fully cover it, or reduce the contribution, which is from 10% of the cost of the apartment. The conditions of the program were fully consistent with the “Apartment in a new building” and “Apartment on the secondary housing market” programs.

Please note that VTB Bank has 24, while it is present in almost all regions of the Russian Federation.

Where can I get a mortgage from VTB 24 Bank?

As mentioned above, this financial institution is located in all regions of Russia. However, the question of where to get a VTB 24 mortgage, unfortunately, can not be answered by all cities of the Russian Federation. Big cities, which the bank must have:

Arkhangelsk	Kazan	Novosibirsk	Syktyvkar
Astrakhan	Kaliningrad	Omsk	Tambov
Barnaul	Kaluga	Eagle	Tver
Belgorod	Kemerovo	Orenburg	Tomsk
Blagoveshchensk	Kirov	Penza	Tula
Bryansk	Kostroma	Permian	Tyumen
Vladikavkaz	Krasnoyarsk	Petropavlovsk-Kamchatsky	Ulyanovsk
Vladimir	Mound	Pskov	Ufa
Volgograd	Kursk	Rostov-on-Don	Khabarovsk
Vologda	Lipetsk	Ryazan	Khanty-Mansiysk
Voronezh	Magadan	Samara	Cheboksary
Ekaterinburg	Moscow	Saint Petersburg	Chelyabinsk
Ivanovo	Murmansk	Saransk	Chita
Izhevsk	Nalchik	Saratov	Yuzhno-Sakhalinsk
Irkutsk	Nizhny Novgorod	Smolensk	Yakutsk
Yoshkar-Ola	Novgorod	Stavropol	Yaroslavl

To apply for a mortgage loan at VTB 24 online and find out the decision on it, you can use the application forms above.

Mortgage calculator VTB 24 contains basic information on mortgage loans from this bank and is intended to calculate the actual cost of the loan and draw up a payment schedule.

VTB 24 Bank provides a wide range of mortgage lending programs, among which there are several basic programs:

"Purchase of finished housing" - for the purchase of finished housing;
"Apartment in a new building" - for the purchase of housing under construction;
“Victory over formalities” - a loan with simplified document requirements;

The bank also provides loans “Mortgage + maternity capital” and “Mortgage + housing certificate” with the opportunity to use government assistance when paying the down payment, while the remaining conditions of these loans correspond to the conditions of the “Resale Housing” and “Apartment in a New Building” programs.

In addition, VTB 24 also has mortgage loans with individual conditions, for example, “Mortgage for Olympic facility workers” and “Mortgage for the military.”

To determine the possibility of lending, the bank must provide the following documents:

Borrower questionnaire;
Borrower's passport;
A second document confirming your identity (military ID, sailor’s passport, driver’s license);
A copy of the work record book, employment contract;
Certificate of income;
Additional documents about employment, additional income and expenses, credit history, etc.

To receive a loan under the “Victory over formalities” program, it is enough to provide the bank with 2 documents: a passport and a second document of your choice (driver’s license or state pension insurance certificate).

Terms of lending secured by real estate:

A mandatory condition for obtaining a mortgage from VTB 24 is insurance against the risk of loss and damage to the purchased home. The bank also offers its borrowers to insure the risks of loss of life and disability, as well as termination or limitation of property rights to housing. If the borrower refuses to take out the last two insurance options, the interest rate will be increased by 3% per annum.

In general, the mortgage lending conditions of VTB Bank 24 are interesting due to long loan terms and low down payment values. Interest rates are at an average level.

Welcome! The topic of our meeting today is VTB 24 mortgage conditions, tariffs, programs. The increased interest in mortgages can be explained simply: the majority of Russians economic reasons can only buy housing on credit. And when deciding to take out a loan, many borrowers turn to banks from the TOP-5. This choice is justified better conditions and security guarantees, which is important during the period of revocation of banking licenses. We will talk about the offers of VTB 24, one of the main players in the mortgage lending market. Readers will learn about the VTB 24 mortgage conditions in 2019 and the features of loan programs.

Issuing housing loans for banks involves high risks. Hence the bureaucratic barriers: requirements for the borrower, mandatory collateral insurance. VTB 24 mortgage lending conditions allow clients with a good credit rating to receive competitive rates and favorable conditions for processing applications. We will talk about the requirements for borrowers separately, but here we note a number of important general points:

types of housing loans from VTB 24 will allow you to buy housing in new buildings and on the secondary market. Participants in government programs, holders of military certificates and family capital can use them to pay for VTB 24 mortgage loans;
The application review procedure has been standardized. You must fill out an application form in the office or online. The application is reviewed within 4-5 days, a positive decision is valid for 122 days: during this time you need to select a property and complete the transaction. The list of documents is provided on the bank’s website; it includes the borrower’s data and information about the mortgaged property. Housing can be purchased on the territory of the Russian Federation, regardless of the place of permanent registration of the buyer;
The initial capital in most programs is 20% of the cost of the selected object. At the same time, mortgages for the military and for a new building are issued with a 15% down payment, and loans with a 10% down payment are available for salary card holders.

These conditions do not apply to the lending program based on two documents, where the down payment is from 40%;

Tariffs at VTB 24 bank in 2019 start at 9.2% per annum. But these are basic interest rates; the final terms of the VTB 24 mortgage are affected by the type of loan and the status of the borrower;
The collateral property is necessarily insured for the entire mortgage period. Title and life insurance for the borrower is voluntary. VTB 24 Bank recommends taking out comprehensive insurance and offers policy owners reduced loan rates;
it is possible to repay a mortgage loan early without additional fees and payments by calling the call center;
mortgage bonus: customers who have taken out a mortgage have access to consumer loans at 14.5% per annum.
Amount – minimum loan amount from 600,000 rubles to 60 million rubles.
Currency is only rubles. There are no foreign currency mortgages at VTB 24.
Duration: up to 30 years.

On November 24, 2017, interest rates on the main mortgage programs of VTB 24 were reduced. Now you can buy an apartment in a new building from 9.2% on a secondary building from 9.25 if you take out a mortgage from VTB 24 partners and for an apartment from 65 sq.m.

Requirements for the borrower

The standard requirements of all lenders also apply to VTB 24:

Age from 21 to 65 years. Only people who have not reached the official retirement age are credited.
The length of service in the last place is from 6 months, but in some cases 3 months is allowed if a certified employment contract is provided, which contains a note that the probationary period has been completed or there was none.
Citizenship of the Russian Federation, but mortgages are allowed for citizens of CIS countries in agreement with the bank if they constantly work and legally reside in the Russian Federation.
Good credit history.

The borrower must provide complete information about his financial situation. IN mandatory list documents include:

passport (copies of passports are provided by the borrower, co-borrowers and guarantors);
SNILS;
military ID (for men under 27 years of age and for NIS participants);
employment contract and income certificate 2NDFL. In the absence of this certificate, the bank will accept proof of income in other forms;
marriage and birth certificates. These documents are usually required when applying for a mortgage with a family certificate, but may be requested in other cases;
military housing certificate (only for NIS participants);
documents for the purchased property.
Application for a mortgage.

In addition to the specified certificates, the bank may request other information. Each client receives a complete list of them during the consideration of his application. You can view the documents for a mortgage at VTB 24 in the next post.

You must be prepared to thoroughly check the information provided. Security officers can call the employer's telephone numbers indicated in the questionnaire to clarify information about the place of work, length of service, position, etc. The purpose of such checks is to identify false information.

VTB 24 payroll workers provide only a passport, SNILS and a card.

As noted above, mortgages from VTB 24 are approved for clients with a high credit rating. We will tell you in more detail how a borrower is assessed and how to get on the bank’s “white” list of clients:

The assessment of solvency is quite simple: the amount of income and expenses of the borrower is calculated, and his ability to repay the loan without damage to the family budget is determined. For these purposes, information is required about the client’s work, family composition, and the presence of young children and dependents. As a rule, the acceptable level of credit obligations to total income is considered to be 40%, but the lower this figure, the higher the client’s rating;
the presence of assets in property is another positive indicator that provides certain guarantees of loan repayment. Liquid property (apartments, dachas, cars), bank accounts, shares and other valuables give an advantage when considering an application, but have virtually no effect on the interest on the loan;
In some cases, guarantors and co-borrowers are a prerequisite for mortgage lending. For example, when issuing a mortgage with a maternity certificate or under a program for young families, spouses act as co-borrowers. A mortgage guarantee is not always required, but in some situations it allows you to obtain loan approval;
The client's status directly affects the terms of the loan. For example, for participants in a salary project, VTB 24 Bank will offer loans at low rates. Employees of companies that are corporate clients of the bank also receive certain preferences. Military personnel and public sector employees can receive loans under special conditions;
credit history must be impeccable. In addition, the client should not have lawsuits or overdue debts to government or private entities. These requirements for the borrower are dictated by the bank’s desire to secure the transaction at the initial stages.
VTB 24 does not take into account the solvency of dependents, which allows you to take out the maximum amount of a mortgage loan.

Thus, citizens of the Russian Federation with permanent employment, a stable income, property ownership and a certain status can become desirable clients for VTB 24.

Mortgage programs

Mortgages from VTB 24 Bank are of interest to potential borrowers and owners of housing loans: along with traditional lending options, there is loan refinancing.

Consider the types of mortgages VTB 24, the current conditions of 2019of the year:

Buying a home

A classic loan for purchasing an apartment in a new building or on the secondary market. The loan amount can range from 600 thousand rubles to 60 million rubles. First level rates of 10.7% are available to clients with salary cards and comprehensive insurance policies. For borrowers of other categories, the tariff starts from 11% per annum.

The first payment is 20%, but for people receiving salaries on VTB 24 cards it will be 10% of the purchase price, for new buildings 15%. Mortgages can be issued for 30 years, if the recipient's age allows;

More meters less rate

Housing loan for the purchase of apartments with an area of 65 m2. This VTB 24 mortgage is interesting due to its conditions, the base rate is only 9.2% per annum. Maximum parameters: loan size up to 60 million rubles, loan period up to 30 years.

Recipients must have a net worth of at least 20% of the value of the property and take out a comprehensive insurance policy. If premises are purchased on the secondary market, insurance is required: object, personal, title for three years. For new buildings, you need to take out personal insurance and a policy for the collateral after putting the house into operation;

Military mortgage VTB 24

In 2019, it is issued in the amount of up to 2.22 million rubles, at rates starting from 9.7% per annum. It is important to know that the loan term under this program is 14 years, but can be reduced. According to the rules of military mortgages, the age limit of the borrower must be no more than 45 years at the time of repayment of the debt to the bank.

The loan is issued subject to a down payment of 15%. This condition is not critical for most NIS participants: they can apply for a loan if they have the required amount in their personal account. But if the cost of the chosen housing exceeds the established loan amount, you will have to contribute your own funds;

Victory over formalities

VTB 24 mortgage, the terms of which will allow you to quickly receive a bank decision with a minimum of documents. By submitting an application and copies of two documents (passport and dream), you can find out the result within 24 hours. Under this program, you can get a mortgage even if you are unemployed or on maternity leave, if you know certain tricks. The rate for this type of loan is from 11.5% per annum.

The disadvantages of the program include a high down payment: it is required to pay at least 40% of the cost of the property and the minimum age of the borrower is 25 years.

Loans of up to 30 million rubles are available to residents of Moscow and St. Petersburg, and borrowers from other regions can receive loans of up to 15 million rubles. The mortgage agreement is concluded for a period of up to 20 years;

Collateral property

A program for purchasing housing that is pledged and put up for sale by the owner. Bank loan terms are quite attractive: rates from 10.6%, period up to 30 years, down payment from 20%.

But borrowers need to be prepared to resolve legal issues: former owners may live in the purchased apartments, and an eviction procedure will be required.

Refinancing

Will improve the conditions for existing loans. VTB 24 offers to refinance loans up to 30 million rubles for a period of up to 30 years. But at the same time, there are limitations: the amount of the loan issued should not exceed 80% of the price of the mortgaged property. For clients who submit two documents for the application, the loan is approved for no more than 50% of the assessed value of the collateral.

The tariff is fixed for the entire loan term. The minimum rate of 10.6% will be received by the participants of the salary project who have taken out comprehensive insurance. In the absence of a policy, the tariff will be increased by 1%, and with a simplified version of the application consideration - by another 0.5%.

The VTB 24 mortgage is discussed in more detail in its nuances in a separate post.

Interest rate

Current interest rates on VTB 24 mortgages are presented in the table:

Program	Bid, %	First payment, %	Note
Housing under construction	10,6	15%
Ready housing	10,6	15%	- 0.5% if the apartment is more than 65 sq.m. 10% PV for salary employees,
Refinancing	10,6	20%	- 0.5% if the apartment is more than 65 sq.m. 10% PV for salary employees,
Non-targeted loans secured by existing housing	12,2		Discount 0.5-0.4% for civil servants under the People of Affairs program
Mortgage for the military	9,8	15	Amount 2450 tr.
Promotion “More meters – less rate”	10,1	20	purchase of finished and under construction housing from 65 sq.m. inclusive +
Victory over formalities	10,6	40	The rate is 9.3 when purchasing an apartment over 65 sq.m. According to two documents, 30% PV for certain developers
Mortgage with state support	6	20	Mortgages are only available for new buildings upon the birth of a second or subsequent child after 2018.

Today, a mortgage loan is one of the real methods that allow most people to purchase their own home. The fact is that it is often simply unrealistic to save up for an apartment on your own, because prices for both new and resale real estate are constantly increasing.

A large number of banks offer citizens mortgage lending at the most different conditions. VTB 24 Bank did not stand aside and also offers its clients several different programs aimed at purchasing housing.

Conditions for issuing a mortgage loan at VTB 24

According to all legal documents, the conditions for issuing a mortgage are usually understood as a list of initial factors that in one way or another influence the conclusion of this agreement.

Depending on the program offered by the bank, the following points may serve as such conditions:

Mortgage in VTB 24 according to two documents

Despite the fact that it will not be possible to get an ordinary loan from this bank using two documents, a mortgage under such a program will be given with a high degree of probability.

To do this you will need to present:

The most important thing is that in this case the bank does not even require citizen registration.

However, this program has one rather significant drawback - all funds received by a citizen for a mortgage can be used exclusively for the purchase of real estate of a strictly defined type - new apartment in a house under construction.

It is also worth noting that this program has a number of unique distinctive features:

The loan can be issued for a period of five to twenty years;
The minimum amount can range from one and a half million to fifteen million;
When submitting only two documents, the interest rate will be increased by 0.6 percent, that is, this figure will be in the range from 12.65 to 14.25%. In addition, another 0.6% will be added to the interest rate until the apartment is registered as collateral. If the client refuses the program compulsory insurance, then another percentage will be added to him;
As a down payment under this program, you will need to pay 35% of the amount withdrawn. At the same time, it is quite acceptable to use such means as maternity capital;
The bank charges a commission only once - when transferring funds to the developer’s account, you will have to pay three thousand rubles.

Any citizen of our country who is 21 years old at the time of filling out the program and meets all the required conditions can apply for a mortgage under this program.

Documents for a military mortgage at VTB 24

To take advantage of a military mortgage under this program, It is necessary not only to be a military personnel - the experience must be at least three years.

During this entire time, the Ministry of Defense transfers a fixed amount to the contractor’s account, which can later be used by him as part of the down payment for this mortgage program.

During the process of obtaining a military mortgage, you will not have to provide any special documents.

The package of all necessary papers is standard:

Serviceman's passport. If he is a family man, he will have to provide his wife’s passport;
The second document – it can be a foreign passport, a pension insurance certificate, a driver’s license, and so on;
If the military man is married or divorced, then he will also need to document this fact;
Direct application from the borrower. It is worth noting that you can fill it out either at a bank branch with a consultant or on the official website;
Certificate confirming participation in the housing co-financing program for military personnel;
A package of documents for the purchased housing, including a cadastral passport in the form of an extract from the Rosreestr authorities, as well as a corresponding extract from the house register.

The submitted documents are reviewed by the bank within two weeks, after which the citizen is notified whether his application is approved or rejected.

Documents for a mortgage with maternity capital in VTB 24

In order to obtain a mortgage with maternity capital, the bank is given the following documents for consideration:

The following package of documents will have to be attached to this main set:

A copy of the employment agreement from the current place of work;
Photocopies of documents regarding the education received;
If loans were previously issued, then copies of such agreements should also be provided;
If you have bank accounts in other organizations, you will also need to provide statements regarding them;
If the property owns real estate or other property of great value, then title documents for it are also attached.

After this, a corresponding application is submitted to the state pension fund regarding the need for transfer Money to pay off the mortgage taken out. In this case, people will not have to wait until their second child reaches three years of age to take advantage of these funds.

Documents for a mortgage without a down payment in VTB 24

In order for the bank to approve an application for a mortgage loan without a down payment, the following conditions must be met:

The minimum age of the borrower must be 22 years and not more than 55 and 60 years, respectively, for women and men at the time of loan closure;
There must be registration and permanent income on the territory of the country;
You must have worked at your last job for at least six months, with a total work experience of a year or more.

When submitting an application, you will need to collect the following package of documents:

Identity card of the borrower himself and his spouse, if any;
Second identity document;
Papers talking about family composition;
Official information regarding income;
A correctly completed application form;
Papers related to the purchased property.

Mortgage for secondary housing

To submit an application for the purchase of secondary housing to the bank for consideration, you must complete a number of documents:

Two identification documents. This includes directly the passport of a citizen of the country, as well as a driver’s license, military ID, and so on;
A certified copy of the work record book, where the employer must make an official note that the employee continues to work to this day;
Certificate 2-NDFL, aimed at confirming a person’s income level;
If a citizen has any additional income, then he will also need to provide the corresponding declaration from the tax service;
Certificate of compulsory pension insurance;
Documents relating to the acquired property.

Mortgage interest rate at VTB 24

First of all, it must be said that this indicator directly depends on the program in which the applicant is participating. In particular, in a program called “Mortgage with state support” the percentage will be fixed and be strictly 11%.

The military has the lowest rate - it does not even reach 10%, but ranges from 8.79% to 9.64%. All other programs have a fairly high percentage for mortgage loans.

In addition, the rate may change upward or downward depending on a number of factors:

The amount of the down payment;
Loan terms;
Availability or absence of insurance and so on.

When purchasing a new home in a building under construction, the figure will also not be too high - 12.5%, but here you will have to comply with certain conditions, which were discussed in more detail above.

Initial contribution to VTB 24

The bank has a number of programs that provide for the absence of this payment, for example, this is associated with a military mortgage, when this down payment for a citizen is made by the Ministry of Defense.

There is also a program for issuing mortgages without a down payment at all, but in this case the interest on this loan will be quite high.

If you participate in all other loan programs related to the purchase of an apartment, you will still have to make a down payment. This amount is at least 20% of the total cost of housing. It is not forbidden to deposit more money, but you still won’t be able to give less.

Repaying a mortgage early at VTB 24

Early repayment implies that the citizen pays off his existing obligations before the end of the term. The main goal here is to reduce the overpayment, since when applying for a mortgage it will really not be the smallest amount.

A corresponding application is submitted to a bank employee who, depending on the will of the client, will have to either reduce the amount of monthly payments for the entire period of payments, or reduce the loan term, respectively, keeping payments at the same level.

VTB Bank is one of the most reliable partners for obtaining a mortgage loan. VTB 24 is among the TOP 5 Russian banks that are the first to respond to even the most minor market movements. This helps the bank improve its customer service every day.

Attention!

Why is it important to get a mortgage from a trusted bank, and not from a little-known organization that offers very low interest? Because a reliable bank is a guarantor of transaction security. VTB employees carefully check mortgage documents from the developer to eliminate the possibility of fraud when selling real estate.

VTB 24 has a wide network of reliable partners and an extensive database of more than 10 thousand accredited new buildings.

Conditions for obtaining a mortgage loan

If you have decided to take out a mortgage from VTB, the first thing you need to do is familiarize yourself with the conditions for obtaining it. They vary depending on the purpose of the mortgage loan at VTB 24, as well as on the status of its recipient.

Most often, a mortgage is taken out for the following purposes:

purchasing new real estate or an apartment on the secondary market;
loan secured by existing housing;
refinancing a mortgage at VTB or other previously received loans.

Buying a home is the most common purpose of mortgage lending. For most Russian citizens This option is the only way to purchase real estate.

Mortgages from VTB in 2018 are quite attractive. The basic interest rate is 9.2% per annum. It is worth noting that as a result, the mortgage rate at VTB 24 may become different, because its size is affected by the type of loan and the status of the borrower.

The Central Bank lowered the key rate in 2018

The reduction in the mortgage interest rate at VTB became possible due to the fact that from February 12, 2018, the Russian Central Bank lowered the key rate by 0.25 percentage points. Now it is 7.5%. This decrease was the first this year.

In connection with this decision, most top Russian banks have reduced their rates on deposits and loans. The decrease amounted to 0.25 – 0.75 percentage points. For example, the rate on mortgage loans in rubles has reached a record low - now the average interest rate is not 13.5%, as it was in 2017, but 9.79% per annum. This means that in 2018 you can get a mortgage on the most favorable terms.

This is not the last expected decline this year. By December, the Central Bank's key rate may fall to 6.75–7% per annum.

Requirements for borrowers at VTB

VTB Bank imposes a number of usual requirements on its borrowers:

age from 21 to 65 years;
six months of experience at the last place of duty (in some cases it can be reduced to three months if a certificate of absence or completion of a probationary period is presented);
citizenship of the Russian Federation or CIS countries when staying and permanently working in Russia;
clean credit history.

To obtain a mortgage, you must provide the following documents to the bank:

application form (it can be filled out in person at the bank’s office or on the official website using the mortgage service in VTB Online);
passport;
SNILS;
employment contract;
income certificate in form 2-NDFL or other document confirming the amount of earnings;
certificates of marriage and birth of children (especially when applying for a mortgage with a family certificate);
military housing certificate (for NIS participants);
documents for the purchased apartment or house.

VTB mortgage programs

Like most banks, VTB offers special mortgage conditions for military personnel, pensioners, large families, etc. The bank also has several permanent promotions.

More meters - less rate

When purchasing real estate with an area of 65 square meters or more, the client will be provided with a reduction in the mortgage rate at VTB by 0.5%. The base interest on this loan will be 9.5%, the down payment will be from 20%, the loan size will be from 600 thousand to 60 million rubles.

Buying a home

When purchasing finished housing or an apartment in a new building with a VTB mortgage, the base rate on the loan will be 9.5%. By making a ten percent down payment, you can get a mortgage in the amount of 600 thousand to 60 million rubles.

Victory over formalities

Simplified mortgage loan with interest rate from 10.7%, down payment from 30% and a total amount from 600 thousand to 30 million rubles.

Mortgage refinancing

When transferring a mortgage loan from another bank to VTB, the amount of overpayment can be reduced. You can refinance up to 15 million rubles, the base rate will be 9.5%.

Mortgage for the military

The loan is intended for military members of the NIS (savings and mortgage system). It allows you to get a mortgage in the amount of 2.29 million rubles at a rate of 9.7%. Down payment – from 15%.

Collateral property

This is a program for the purchase of housing that is pledged to the bank and put up for sale. Rate from 10%, down payment from 20%, loan size - from 600 thousand to 60 million rubles.