Every person needs housing. But not everyone has enough money to purchase it. But there is a way out - a mortgage. “VTB 24” receives good reviews, which is not surprising, because it is in fourth place in the ranking of the best banks in Russia, of which there are about 600 in all. And many people, having decided to issue a targeted loan for the purchase of real estate, decide to apply there.
About conditions
First of all, it is necessary to talk about what kind of mortgage is available in this bank. “VTB 24” receives good reviews largely because customers are offered favorable rates. Here, for example, what conditions are provided if the purchase of finished housing is planned:
- The rate is from 12.1% per annum for customers receiving salaries on a VTB 24 card.
- 12.6% - for ordinary individuals.
- The minimum down payment is 10% of the amount.
- The loan amount is from 600,000 to 60,000,000 rubles.
Suppose a person decided to buy a finished apartment for 2,000,000 rubles. He can approve a loan amount for 10 years in the amount of 1 700 000 r, but only if his monthly income will be 50 000 r. And you will need to make a down payment - 300 000 p. In this situation, he will need to monthly give the bank 24,488 rubles to pay off the debt.
Total for 10 years, a person will give the bank 2 938 560 p. Of this amount - 1,238,560 rubles will be paid as interest.
And the requirements for borrowers are minimal, with the exception of the amount of income, based on which the amount that can be issued to a person is determined. He must be at least 21 years old, and total length of service - 12 months.
Acquisition of apartments in new homes
This is the most popular offer. To purchase a home in a barely erected house, a mortgage is most often taken. VTB 24 receives very diverse reviews regarding this service.
First of all, customers note the quality of service. The staff are polite, competent and welcoming. A certain employee will certainly help the client with resolving issues related to housing valuation, negotiations with representatives of the insurance company and “paper affairs” - with the developer, who is also the seller at that moment.
The second positive point - the insurance company can be personally selected from the list provided by the employee.
The third nuance is the high competence of employees. Which was even able to surprise some customers. But it’s better to demonstrate everything clearly.
Example
So, husband and wife take a mortgage. Everything is made out for the spouse. The husband is a co-borrower. The procedure is successful - they approve the loan. The next month, the spouse goes to the bank and, as a co-borrower, pays a fee for the first 30 days. After some time, he called to ask if the funds had reached. An employee is interested in who the mortgage is for. It turns out that on the spouse. And the man is denied the answer, because he is not the main borrower, and this information is confidential.
And this is rather a plus than a minus. Still, it's nice to realize that the data is protected so thoroughly.
With maternity capital
I am glad that today VTB 24 mortgage is available on preferential terms. Reviews of many customers make it clear whether there is a benefit from a loan issued with maternity capital or not. This is the most actively advertised offer today.
So, clients who are interested in the Mortgage + Maternity Capital program are offered three options:
- Repayment of concessional loan, which was taken earlier.
- Advance payment for the purchased apartment. But this is only possible if the child is already 3 years old.
- An increase in the amount of a mortgage to buy more expensive real estate.
Here is a mortgage offered by VTB 24 Bank. Customer reviews confirm - these are good conditions. But they still need to be dealt with first. Here's what customers say: maternity capital is the amount that goes to repay the loan body, its main part. As a result, the monthly payment is reduced. But there may be other options. Need to talk with a bank employee. Together it will be possible to calculate everything and understand which of the options is suitable for a particular case. If the client has several capitals, then one can be written off to reduce the term, and the other to repay interest.
Payments
There are also some useful practical tips on this. As for the monthly payments: it is best to link to the mortgage account of your bank card - then the bank will automatically write off a fixed amount every 30 days. And the client can only replenish it in time.
Even if you study the reviews of VTB 24 Bank on mortgages, you can conclude that online banking is an equally convenient way to pay off. People assure that when you connect to the Internet bank in any branch, you can save yourself from unnecessary hassle in paying.
Others believe that it is best to pay off debt through a cash desk or post office in Russia. In general, each method is convenient in its own way.
Early debt relief
This is another topic that should be noted attention. Many people talk about their early repayment of the VTB 24 mortgage. Reviews about this are not bad. Customers of many other banks unanimously declare that the financial company does not see the benefit of premature repayment of the debt and is reluctant to do so. Since stable forecasted profit is determined by clear payments, which do not imply ahead of schedule and delays.
But in the case of VTB 24, the opposite is true. To repay a loan ahead of schedule, you must contact the bank branch and fill out the appropriate application. All - no additional fees, restrictions on the amount and penalties. Particular attention of the bank's customers is noted by the fact that they are offered both partial early repayment and full repayment.
The only caveat: if a person repays the loan entirely at the beginning of next month, then he will still have to pay interest for him.
For employees of the state
The VTB 24 military mortgage is also particularly popular. There are reviews about this service, and most of them are informative. Since people who took advantage of this offer enthusiastically give advice to others - for the future. And here is what, according to them, must be followed in order to extract as much benefit as possible for yourself:
- The younger the military, the better. The interest rate will be lower. It starts at 12.1% per annum.
- The size of the amount also depends on age. For a 21-year-old soldier, it can be 2,100,000 rubles (maximum). The permissible period is also appropriate - 14 years. For a 41-year-old soldier, the loan amount will be at most 660,000 rubles. And only for three years.
- Seniority also plays a role. You can not draw up a contract and immediately be interested in a mortgage. You must serve at least 12 months.
- However, the benefits of the funded mortgage system can be used only after three years of participation in it. And this is an automatic reduction of the loan term. If at 20 the young man signed a contract, at 23 he became a member of the NIS, then only at 26 he will be able to issue a preferential mortgage.
However, given all these nuances in advance, there will be no problems. It will only be necessary to collect all the documents, submit them and wait until the mortgage is approved by VTB 24. Reviews assure that this is done quickly - within four days.
Why choose this bank?
Perhaps this issue is relevant for all people facing a choice.Why exactly is VTB 24? Mortgage customer reviews are encouraging for many reasons. Here is what else people note when comparing this organization with other well-known banks:
- VTB 24 does not impose additional voluntary services on a voluntary basis.
- Also, competent specialists work there, ready to listen to the wishes of customers - in any case, most people who applied to offices in different regions and cities agree on this.
- Employees make sure that insurers are present in the bank at the conclusion of the transaction - this reduces the worries of customers.
- A wide list of accredited developers is provided.
- A lot of interesting and advantageous offers regarding the purchase of real estate in the primary market and in houses under construction.
These are the nuances that are noted by the attention of many people who are interested in the mortgage offered by VTB 24 Bank. Customer reviews really allow you to get acquainted with the benefits - not imposed by advertising, but real, trusted people.
Minimum requirements
This is another nuance that everyone who took a mortgage at VTB 24 draws attention to. The reviews confirm that the bank does require a minimum of documents from its potential client.
Especially satisfied are those people who have issued a targeted loan of this nature without proof of income. Not every bank can provide such a service - another reason why VTB 24 wins! The enterprise itself calls it "victory over formalities."
The interest rate is not much higher - 12.6% per annum. Age - from 25 years, and the minimum down payment should be 40%. And from the documents only a passport and SNILS are needed. And it is really true. Most interestingly, within 24 hours a person can get approval of a mortgage at VTB 24. Reviews confirm this fact.
About victories over formalities
Many people do not believe that a loan can be issued without proof of income. Well, if we are talking about small amounts. But at stake is buying an apartment! And this is at least several hundred thousand rubles, if the budget option, but usually a couple of million.
But the bottom line is that “VTB 24” always goes towards its customers. The mortgage on two documents receives positive reviews. And here is what people who receive this service advise:
- The larger the amount for the down payment, the better. Yes, the minimum is 40%. But if a person has 50% or more available, then he will be considered as a responsible and solvent client.
- No official income? Then you should not go completely "unarmed", because from somewhere the person gets money anyway. Renting out one of the apartments? You can bring a contract with the tenant as evidence. Does it work remotely? An extract of funds regularly received on the card is suitable.
- Have you had any seniority? Even if a person has stopped working, it is better to take a workbook with you.
And there are no "tricks", as customers assure, here. The bank grants a loan secured by acquired property, so it has insurance and compensation in any case.
Business proposal
This is the last thing I would like to note with attention. As part of a business proposal, an entrepreneur can use the bank’s money to buy commercial property. And absolutely any purpose - whether it is a warehouse, office or something else. And the conditions, as people say, are favorable - the rate is from 13.5%, the amount is from 4 million and the term is up to 120 months. And the down payment is only 15%. It is not surprising that many businessmen turn to VTB 24.
Mortgages without down payments, reviews, loans without proof of income, preferential offers - all this is very interesting and useful. Especially nowadays, when many people need financial services. This can be discussed for a long time.But even based on the above information, we can conclude that VTB 24 is not without reason located in the 4th place of the best banks in Russia. And he really can be trusted.
