Mortgage at Raiffeisenbank - Terms and interest rates in 2020

Conditions for obtaining a mortgage at Raiffeisenbank

The banking institution offers a large list of mortgage programs of various formats.

ProgramMortgage rate
Family mortgage4,99%
Mortgage refinancingfrom 8.39%
Apartment on the secondary marketfrom 8.29%
Apartment in a new buildingfrom 7.99%
Property secured by housingfrom 8.49%
Mortgage with maternity capitalfrom 8.49%
Cottage on the secondary market12,75%

The programs differ from each other, but there are standard parameters that Raiffeisenbank puts forward for each loan, namely:

  • The minimum rate is set during the process of obtaining a comprehensive insurance policy by the client. The existing/absent arrears on previous issued loans, as well as the load on existing loans are also taken into account;
  • the amount processed can range from 0.5 to 26 million rubles;
  • the down payment for housing is between 10 and 15%;
  • You can apply for a mortgage loan from Raiffeisenbank to purchase new housing that is included in the list of accredited development organizations.

What are the benefits of mortgage lending at Raiffeisenbank?

Applying for a mortgage at Raiffeisenbank has a number of advantages:

  • It is allowed to use maternity capital to make a down payment;
  • Early closure of a mortgage agreement is allowed without any penalties;
  • When considering an application, the total income of both spouses is taken into account, even if they are not officially married;
  • Close relatives can act as additional borrowers;

    In this case, the loan size may be increased!

  • The client can take advantage of the mortgage program from Raiffeisenbank, even if the purchased property has undergone redevelopment;
  • A service is available to reduce the interest rate to the minimum, subject to the borrower's participation in the government program;
  • Convenient and understandable management of credit payments through the Internet banking system.

Registration of a mortgage for secondary housing

This offer will be of interest to that category of persons who wish to purchase a residential property that does not fall under the “new building” category on very attractive terms.

The interest rate on the loan is 8.29 percent per annum. The maximum loan amount is 26 million rubles. Funds can be provided for a period from 1 year to 30 years. The following property of the borrower can act as collateral:

  • townhouse;
  • house;
  • apartment.

When applying for a mortgage on secondary market housing, you will need to pay an initial amount of 15% of the cost of the purchased property. During the registration process you should also go through the insurance procedure. If the borrower refuses to make it, then the interest rate of the loan provided will be revised and the financial institution will increase it. A person applying for a mortgage for the purchase of secondary market housing must meet the following requirements:

  • availability of a place of work or documentation confirming entrepreneurial activity;
  • age limit from 21 to 65 years;
  • registration at the place where the mortgage loan was issued;
  • The income level for persons living in large populated areas must be at least 20 thousand rubles. For residents of the regions, this parameter should be equal to 15 thousand rubles. Income will need to be confirmed by the provided certificate (form 2-NDFL), a document from the pension fund, or individual entrepreneur documents.

The borrower can attract co-borrowers. The application submitted by the client will be reviewed within 5 working days. If approved, the funds will be transferred to the current account or through a letter of credit.

Debt repayment must be made using annuity payments established by the financial institution. If you wish to partially or completely close the debt, no additional penalties will follow. If the borrower violates the agreement, penalties will be applied.

List of documents

To consider the application, Raiffeisenbank will need:

  • borrower application form (PDF file);
  • borrower documents: passport, certificates and certificates according to the list (PDF file);
  • 2-NDFL or certificate on the bank’s income form (PDF file);
  • business owners fill out a special form based on a bank model (PDF file);
  • documents on collateral real estate according to the list (PDF file).

The bank may ask for additional documents, in particular a certificate from the Pension Fund of the Russian Federation about the balance of funds on maternity capital.

Mortgage for housing in a new building

Raiffeisenbank is offering very attractive mortgage interest rates in 2020 for housing in a new building. At the same time, the financial institution offers clients to choose one of the most suitable options by examining 1 thousand objects that are accredited by Raiffeisenbank and are at the commissioning stage.

The maximum amount provided to the borrower is 26 million rubles. The contract can be concluded for a period of up to 30 years, and the agreed rate in the contractual agreement will not change throughout the entire period. The minimum rate is 4.99 percent. The amount of the down payment will be calculated individually, taking into account the required amount, but it will range from 15% of the total cost of housing. In order to apply for registration, you will need to go to any Raiffeisenbank branch. You can get any information you need on mortgage lending without leaving your home by phone. Free call within Russia

This website is for informational purposes only. Official website of the bank: raiffeisen.ru

Requirements for the borrower

Raiffeisenbank checks the borrower's compliance with the following criteria:

  • minimum age – 21 years;
  • the maximum age at the date of repayment of the mortgage is 65 years if there is life insurance and 60 years if there is no such policy;
  • any citizenship;
  • the place of work and residence must be located on the territory of Russia;
  • if the total work experience is more than 2 years, then you need to work in the last place for at least 3 months;
  • for salary clients, total experience of 1 year;
  • if the total length of service is from one to two years, then in the last place you need to work for at least six months;
  • for those who have this first place of work, the work experience must be at least one year;
  • business owners – from 3 years of work;
  • for notaries and lawyers - at least 1 financial year of private practice;
  • availability of a work and mobile phone;
  • minimum income from 20 thousand rubles. (Moscow, Moscow Region, St. Petersburg and Leningrad Region, Ekaterinburg, Surgut and Tyumen), from 15 thousand rubles. for other regions.

Credit history is assessed, as well as the availability of other loans.

Read in detail:

Mortgage restructuring: How is mortgage restructuring different from refinancing; Conditions for restructuring through a bank; A method of restructuring a mortgage through a real estate agency; Advantages and disadvantages.

Where can I pay the Raiffeisenbank mortgage fee?

The borrower can make monthly mortgage payments through:

  • ATMs of Raiffeisenbank, Moscow Credit Bank and BinBank;
  • Cash desk at a Raiffeisenbank branch;
  • Raiffeisen.ru from a card of any third-party financial institution.

The client can repay the loan early, either partially or in full. The bank has the right to charge the borrower fines and penalties for late monthly payments. The penalty amount is 0.06% of the total mortgage amount for each day overdue.

If for some reason the client cannot make payments on the mortgage loan, then Raiffeisenbank is ready to offer several options for resolving the unfavorable situation that has arisen. One of them is mortgage holidays.

Advantages of an online calculator

The main advantages of the calculator on our website are as follows:

  • the user does not need to download additional software to the computer;
  • all payments are made online and the client does not need to visit a bank branch;
  • The service can be used free of charge;
  • calculations are made in a couple of seconds.

The calculator allows clients to save personal time and get acquainted with all Raiffeisenbank offers in a relaxed atmosphere. After that, the borrower will only have to choose favorable conditions for himself, submit an application and wait for the decision of the credit manager.

Mortgage calculator Raiffeisen

Raiffeisenbank's mortgage calculator will help you calculate loan parameters and find out the exact amount of payments for current mortgage programs. The online calculator will also allow you to calculate a favorable mortgage rate for Raiffeisenbank salary clients. How to use the mortgage calculator? To do this, on the Raiffeisenbank website, open the “Mortgage” tab, then select the program you are interested in and click the “Details” button. In the open window, select “Calculator” and enter the data.

Comprehensive mortgage insurance

The main condition of a mortgage loan is the issuance of an insurance policy for the purchased property. Raiffeisenbank offers its clients comprehensive insurance, which includes life and health insurance for the borrower, as well as property rights. The cost of the policy depends on the insurance company.

Note. You can refuse the comprehensive insurance service, but in this case the rate will be higher by 0.5% , provided that the age of the borrower and co-borrower is less than 45 years old and by 3.2% if this age indicator is higher.

Is insurance required?

Important! When purchasing real estate with a mortgage, the client must take out life insurance. This procedure will help minimize risks and free your relatives from having to repay the loan.

Insurance payments are made annually and range from 0.2% to 0.7% of the cost of housing. If the client buys a secondary home, the bank will request comprehensive insurance. It includes property, personal and title insurance.

Today, a mortgage loan is one of the most popular ways to purchase a home. You can receive up-to-date information about mortgage programs and even apply for a loan on the official Raiffeisen website. The bank offers many mortgage programs. The choice of program depends on the preferences and financial capabilities of the client. Use Raiffeisenbank's mortgage calculator to calculate your mortgage amount. Clients can select a suitable program and fill out an application on the official website.

Have you already chosen a loan program? Write your review in the comments!

Calculation results

Monthly paymentRUB 12,940
Overpayment on loanRUR 552,771
Total payoutRUB 1,552,771
INTEREST RATESlink to calculation
dateLoan balanceInterest paymentLoan paymentPayment
October 20201 000 000,007 916,675 023,0912 939,76
November 2020994 976,917 916,675 023,0912 939,76
December 2020989 914,067 876,905 062,8612 939,76
January 2021984 811,127 836,825 102,9412 939,76
February 2021979 667,797 796,425 143,3312 939,76
March 2021974 483,737 755,705 184,0512 939,76
April 2021969 258,647 714,665 225,0912 939,76
May 2021963 992,187 673,305 266,4612 939,76
June 2021958 684,037 631,605 308,1512 939,76
July 2021953 333,867 589,585 350,1712 939,76
August 2021947 941,337 547,235 392,5312 939,76
September 2021942 506,117 504,545 435,2212 939,76
October 2021937 027,867 461,515 478,2512 939,76
November 2021931 506,247 418,145 521,6212 939,76
December 2021925 940,917 374,425 565,3312 939,76
January 2022920 331,527 330,375 609,3912 939,76
February 2022914 677,727 285,965 653,8012 939,76
March 2022908 979,167 241,205 698,5612 939,76
April 2022903 235,497 196,095 743,6712 939,76
May 2022897 446,357 150,615 789,1412 939,76
June 2022891 611,387 104,785 834,9712 939,76
July 2022885 730,217 058,595 881,1712 939,76
August 2022879 802,497 012,035 927,7212 939,76
September 2022873 827,846 965,105 974,6512 939,76
October 2022867 805,886 917,806 021,9512 939,76
November 2022861 736,266 870,136 069,6312 939,76
December 2022855 618,586 822,086 117,6812 939,76
January 2023849 452,476 773,656 166,1112 939,76
February 2023843 237,556 724,836 214,9212 939,76
March 2023836 973,426 675,636 264,1312 939,76
April 2023830 659,716 626,046 313,7212 939,76
May 2023824 296,016 576,066 363,7012 939,76
June 2023817 881,936 525,686 414,0812 939,76
July 2023811 417,076 474,906 464,8612 939,76
August 2023804 901,036 423,726 516,0412 939,76
September 2023798 333,416 372,136 567,6212 939,76
October 2023791 713,796 320,146 619,6212 939,76
November 2023785 041,776 267,736 672,0212 939,76
December 2023778 316,936 214,916 724,8412 939,76
January 2024771 538,856 161,686 778,0812 939,76
February 2024764 707,116 108,026 831,7412 939,76
March 2024757 821,296 053,936 885,8212 939,76
April 2024750 880,955 999,426 940,3412 939,76
May 2024743 885,675 944,476 995,2812 939,76
June 2024736 835,015 889,097 050,6612 939,76
July 2024729 728,535 833,287 106,4812 939,76
August 2024722 565,795 777,027 162,7412 939,76
September 2024715 346,355 720,317 219,4412 939,76
October 2024708 069,755 663,167 276,6012 939,76
November 2024700 735,555 605,557 334,2012 939,76
December 2024693 343,285 547,497 392,2712 939,76
January 2025685 892,495 488,977 450,7912 939,76
February 2025678 382,725 429,987 509,7712 939,76
March 2025670 813,495 370,537 569,2312 939,76
April 2025663 184,345 310,617 629,1512 939,76
May 2025655 494,805 250,217 689,5512 939,76
June 2025647 744,385 189,337 750,4212 939,76
July 2025639 932,605 127,987 811,7812 939,76
August 2025632 058,975 066,137 873,6212 939,76
September 2025624 123,025 003,807 935,9612 939,76
October 2025616 124,244 940,977 998,7812 939,76
November 2025608 062,134 877,658 062,1112 939,76
December 2025599 936,204 813,838 125,9312 939,76
January 2026591 745,944 749,498 190,2612 939,76
February 2026583 490,844 684,668 255,1012 939,76
March 2026575 170,394 619,308 320,4512 939,76
April 2026566 784,064 553,438 386,3212 939,76
May 2026558 331,354 487,048 452,7212 939,76
June 2026549 811,714 420,128 519,6312 939,76
July 2026541 224,634 352,688 587,0812 939,76
August 2026532 569,574 284,708 655,0612 939,76
September 2026523 845,994 216,188 723,5812 939,76
October 2026515 053,354 147,118 792,6412 939,76
November 2026506 191,104 077,518 862,2512 939,76
December 2026497 258,694 007,358 932,4112 939,76
January 2027488 255,573 936,639 003,1212 939,76
February 2027479 181,173 865,369 074,4012 939,76
March 2027470 034,933 793,529 146,2412 939,76
April 2027460 816,283 721,119 218,6512 939,76
May 2027451 524,663 648,139 291,6312 939,76
June 2027442 159,473 574,579 365,1912 939,76
July 2027432 720,153 500,439 439,3312 939,76
August 2027423 206,093 425,709 514,0512 939,76
September 2027413 616,723 350,389 589,3712 939,76
October 2027403 951,433 274,479 665,2912 939,76
November 2027394 209,623 197,959 741,8112 939,76
December 2027384 390,693 120,839 818,9312 939,76
January 2028374 494,033 043,099 896,6612 939,76
February 2028364 519,022 964,749 975,0112 939,76
March 2028354 465,042 885,7810 053,9812 939,76
April 2028344 331,462 806,1810 133,5712 939,76
May 2028334 117,662 725,9610 213,8012 939,76
June 2028323 823,012 645,1010 294,6612 939,76
July 2028313 446,852 563,6010 376,1612 939,76
August 2028302 988,552 481,4510 458,3012 939,76
September 2028292 447,452 398,6610 541,1012 939,76
October 2028281 822,902 315,2110 624,5512 939,76
November 2028271 114,252 231,1010 708,6612 939,76
December 2028260 320,812 146,3210 793,4312 939,76
January 2029249 441,932 060,8710 878,8812 939,76
February 2029238 476,921 974,7510 965,0112 939,76
March 2029227 425,111 887,9411 051,8112 939,76
April 2029216 285,801 800,4511 139,3112 939,76
May 2029205 058,311 712,2611 227,4912 939,76
June 2029193 741,931 623,3811 316,3812 939,76
July 2029182 335,971 533,7911 405,9712 939,76
August 2029170 839,701 443,4911 496,2612 939,76
September 2029159 252,431 352,4811 587,2712 939,76
October 2029147 573,421 260,7511 679,0112 939,76
November 2029135 801,951 168,2911 771,4712 939,76
December 2029123 937,301 075,1011 864,6612 939,76
January 2030111 978,71981,1711 958,5912 939,76
February 203099 925,45886,5012 053,2612 939,76
March 203087 776,78791,0812 148,6812 939,76
April 203075 531,92694,9012 244,8612 939,76
May 203063 190,12597,9612 341,7912 939,76
June 203050 750,62500,2612 439,5012 939,76
July 203038 212,64401,7812 537,9812 939,76
August 203025 575,40302,5212 637,2412 939,76
September 203012 838,12202,4712 737,2812 939,76

Raiffeisenbank's mortgage calculator is a financial tool for calculating the monthly mortgage payment schedule for 2020 and obtaining the overpayment amount. Since the mortgage is taken out for more than one year, you should approach its choice very seriously. It is necessary to calculate everything in advance, preferably very accurately. Our Raiffeisenbank mortgage calculator will help you with just this.

Important: The official coefficients when calculating mortgages at Raiffeisenbank will not give reason to doubt the correctness of the calculation.

We update mortgage interest rates every day, taking them directly from Raiffeisenbank. Without visiting the bank, using only our mortgage calculator, you will receive comprehensive data on the loan: monthly payment, overpayment amount. You will be able to predict your payment costs and make the right decision.

How to make a calculation

It is necessary to take the input data very seriously, because the reliability of the received mortgage calculations will depend on them.

First, you need to decide on the cost of the home you are purchasing. Keep in mind that you will need to have cash available for the down payment on your mortgage. Typically it is between 10 and 15%. By the way, a small life hack - you can take out a consumer loan for the down payment, the Raiffeisenbank loan calculator 2020 will help you with this.

Will I afford the mortgage?

The Raiffeisenbank mortgage calculator 2020 is just what you need so that you can weigh your chances of whether you can allocate money from the family budget for monthly mortgage payments. You can also change the amount of monthly payments by changing the loan term. Thus, achieving the amount that you can pull. Do not forget that a mortgage also has an unpleasant side; by increasing the term of the mortgage, you increase the amount of overpayment. Sometimes it can even exceed the amount of the mortgage itself. Let's do the calculation using Raiffeisenbank's mortgage calculator. Input data: property value 1 million rubles, interest rate 9.5%. Changing the period until full repayment of the mortgage we get the table:

SumTermOverpayment, %Overpayment, RUB.
1 million RUB.10 YEARS55%RUR 552,771
1 million RUB.15 YEARS88%RUB 879,604
1 million RUB.20 YEARS123%RUB 1,237,115
1 million RUB.25 YEARS162%RUB 1,621,090

From the table we can clearly see that if you take out a mortgage from Raiffeisenbank for 25 years, the overpayment will be 162%. The Raiffeisenbank mortgage calculator clearly showed this.

Rating
( 1 rating, average 4 out of 5 )
Did you like the article? Share with friends: