Amazing opportunity for a mortgage at Russian Capital Bank


Mortgage programs from Russian Capital Bank

Today, the following mortgage products are available to clients of Russian Capital Bank:

  1. Mortgage for primary housing.
  2. Mortgages for finished properties.
  3. Refinancing.
  4. Military mortgage.
  5. Family mortgage.
  6. Money on bail.

Let's look at the loan terms for each in more detail.

Mortgage for a new building

In accordance with this program, the client will be able to purchase an apartment, townhouse or apartment on credit at the stage of construction. The transaction is permitted only for those objects that have successfully passed accreditation in Dom.rf.

Terms of registration:

  • the share of the down payment is at least 20% of the cost of the purchased housing;
  • amount of borrowed funds - up to 20 million rubles (in the regions up to 10 million rubles);
  • loan term – 3 – 30 years.

You can clarify the list of approved real estate objects on the website of the Russian Capital Bank, by calling the hotline or by personally contacting the authorized service office.

Mortgage for secondary housing

The parameters for obtaining a mortgage for the purchase of secondary housing are similar to the lending conditions for new buildings. The difference lies in the interest rate, as well as in the possibility of purchasing housing owned by Dom.rf. This is the property that was also purchased with a mortgage, but due to the borrower’s failure to fulfill its obligations, it was put up for auction.

Thus, for the purchase of finished housing, you can get up to 20 million rubles for a period of up to 30 years with a one-time payment of at least 20% of the market price of the living space.

Secondary housing must meet the bank's requirements regarding the year of construction, the availability of amenities and necessary communications, materials of floors and walls, etc. Dilapidated, emergency, social/municipal housing included in the demolition program, etc. will not be accepted as collateral. The main requirement is high liquidity.

Family mortgage

Families in which a second and/or third child will be born between the beginning of this year and the end of 2022 are entitled to receive a loan for the purchase of real estate with state support and a preferential interest rate.

The conditions are determined at the federal level:

  • repayment period – up to 30 years;
  • down payment – ​​at least 20%;
  • amount – up to 8 million rubles and up to 3 million rubles in the regions;
  • interest rate – 6% per year.

The 6% rate is valid only during the grace period, the total duration of which cannot exceed 8 years. Next, the rate calculated as the key rate of the Central Bank of the Russian Federation + 2 percentage points will be applied.

This state program does not apply to families with one child.

Mortgage refinancing

A mortgage in another bank can be refinanced at Russian Capital Bank. The purpose of the refinancing program is to reduce the loan rate, increase the debt repayment period and/or change the contract currency.

Parameters of this mortgage product:

  • amount of borrowed funds - no more than 20 million rubles (up to 80% of the estimated value of the collateral property);
  • repayment period – from 3 to 30 years;
  • interest rate – from 8.75% per annum.

NOTE! Russian Capital Bank allows refinancing of already refinanced mortgage loans (the number of such operations is not limited).

The loan itself must be issued at least six months ago. Only reliable borrowers who have not committed delays or other violations of the terms of the contract can approve the application.

Military mortgage

Mortgages for military personnel of the Russian Federation who have been members of the NIS for more than 3 years and are serving in the Russian army are issued on the following conditions:

  • the amount of credit funds is no more than 2.486 million rubles;
  • repayment period – from 3 years until the military age of 45 years is reached at the time of the last payment;
  • interest rate – 9% per year.

You can buy both housing under construction and finished housing that has been approved by the bank, Dom.rf and Rosvoenipoteka.

Payment of the down payment is made from savings in the borrower’s individual account, received from the state budget.

Money on bail

A loan for the purchase of real estate secured by existing housing is strictly targeted and is issued under the following conditions:

  • loan size – up to 20 million rubles;
  • debt repayment period – 3 – 30 years;
  • rate – from 9.25% per annum.

The allocated funds can only be used to purchase real estate that meets the requirements of the bank and Dom.rf. Any other expenses are prohibited.

Military mortgage

There are companies that help buyers and sellers find each other. The All-Russian military mortgage operator is one of them. The service is located on the website voenpereezd.ru. Its database of organizations contains not only data on developers, but also on banks that provide loans for military personnel, including Russian Capital CB.

In this organization you can get a loan for a period of three years with an initial investment of 20% at only 10% per annum. A special feature of the program is that while the borrower repays the debt to the Motherland, monthly payments for it are repaid by the state. In addition, you can use maternity capital to reduce your total mortgage debt. In 2020, the Russian Capital company is ready to provide a loan of 2,318,290 rubles for military personnel who want to acquire their own housing and draw up a mortgage agreement at a bank office in Tver or any other city in our country.

Mortgage calculator

Loan amount
Payment type

Interest rate, %

Maternal capital

date of issue

Credit term

Early repayments

dateTypeAmount/rate

Schedule

Table

Term0 months
Sum0 rub.
Bid0 %
Overpayment0 rub.
Start of payments0
End of payments0
Required Income0
datePaymentMain debtInterestBalance owedEarly repayments

The future loan burden, including payments on the mortgage being issued, can be calculated using a mortgage calculator. By entering key data about the loan (amount, term, rate, date of issue), our service will provide the user with complete information on:

  • the amount of the monthly payment (distributed between principal and interest);
  • total cost of the loan (overpayment);
  • the amount of the client's minimum income to service the debt.

A detailed detailed mortgage calculation can be analyzed in two formats: in the form of a table and a visual graph.

Mortgage refinancing

This enterprise exists on a commercial basis. The full shareholder of RosCap is the State Deposit Insurance Agency. The refinancing carried out exists within the framework of a targeted loan intended for re-registration of existing internal agreements with borrowers and work with the clientele of third-party banks.

Important! The downward trend in tariff changes provides an opportunity to improve the position of one’s obligations by re-registering loan criteria. At the same time, rates may also change in on-lending, so interested parties are advised to follow the bank’s innovations to obtain the optimally profitable option.

Russian Capital Bank also refinances loans from other banks in a similar manner to all financial institutions. The goals for implementing this action can be identified:

  1. Receiving a reduced tariff for a product.
  2. Extending the duration of the contract.
  3. Possibility of combining several agreements.
  4. Reducing the amount of mandatory payment.

Compliance with any item gives the borrower savings of several percent monthly and when calculating the full cycle of the contract, the saved amount is quite impressive. You can calculate your benefit using a calculator designed specifically for loan products on the website of JSCB RosCap.


If necessary, clients of Russian Capital Bank can refinance their mortgage

Availability of interaction with a financial institution is guaranteed to all citizens who meet the stated criteria. After the agreement is concluded, the agreed amount of funds is credited to the account opened by the client with their subsequent transfer to cancel existing loans. In this case, no commission is charged for maintaining the account.

The product exists only in national currency. Since under the conditions of RosCap the subject of the loan is not assumed to be encumbered, this provides the client with the opportunity to remove it from the mortgaged home after completing the refinancing procedure.

Mortgage refinancing in Russia. Capital at the time of execution occurs in the same way as during the initial execution of the loan. Additional cash costs also exist. The applicant is required to:

  • prepare the necessary set of papers;
  • organize an inspection of the mortgaged property;
  • pay for the housing assessment;
  • sign a loan agreement.

The amount that can be issued as part of refinancing a mortgage in Russian Capital is as close as possible to the balance of the loan from another bank. Usually it is 85% of the existing total.

For reference! Taking out a personal policy can increase the amount of money provided.

Documents required for obtaining a mortgage

The borrower will have to prepare 2 sets of mandatory documents in advance: for submitting a mortgage application and paperwork for the purchased property. Let's look at the completeness in detail.

For application

To consider the application, the following documents will be required:

  1. Application form.
  2. Russian Federation passport.
  3. Income documents (the bank accepts only official certificates).
  4. Employment documents (copy of employment, GPA or registration papers for individual entrepreneurs).
  5. Military ID.

In the case of a family or military mortgage, the borrower will have to provide birth certificates of children in the first case and a certificate of NIS participant in the second.

Around the apartment


For real estate, the package of papers includes:

  • DDU or agreement on the assignment of rights under it (confirmation of settlements on such documents is required);
  • housing assessment report (for secondary market properties);
  • certificate of ownership of property;
  • contract of sale/donation/exchange, etc.;
  • cadastral passport.

Necessary documents for refinancing a mortgage loan

The list of documents does not contain anything surprising:

  • a borrower's application form for a loan with consent to the collection and processing of personal data;
  • passport;
  • military ID for men of military age;
  • documents confirming receipt of income;
  • a loan agreement that needs to be refinanced;
  • statement with information about the remaining debt;
  • a certificate confirming the timeliness of making previous payments;
  • real estate appraisal;
  • documents confirming the client's ownership of real estate.

Dom.RF will refinance mortgages in 2020 upon provision of:

  • a certified copy of the work book (agreement) and a certificate (for individuals);
  • registration certificate and a copy of the declaration - for individual entrepreneurs;
  • certificate of legal company and information about income - for business owners;
  • pension certificate and certificate of pension amount - for pensioners.

How to apply online for refinancing

To get a loan you will need:

  1. submit an online application by filling out a special form on the official website of Dom.RF Bank (formerly Russian Capital Bank);
  2. wait for pre-approval;
  3. visit the nearest bank branch with a ready-made package of documents;
  4. conclude a loan agreement;
  5. close an old debt;
  6. pledge an apartment (house).

If submitting an online application seems inconvenient, the borrower is allowed to visit the office in person or call the contact person. In the latter case, the client will receive detailed instructions from the consultant about what he has to do and submit an application remotely.

After completing the above steps, all that remains is to make payments on time according to the received schedule.

Registration procedure

Applying for a mortgage at Russian Capital Bank follows the following scenario:

  1. Searching for housing to buy.
  2. Preparation of a set of documentation.
  3. Submitting a mortgage application (there is no online application for a loan at the bank).
  4. Review of the application by the bank (2-7 working days).
  5. If the decision is positive, a loan agreement will be concluded.
  6. Payment of the down payment by the borrower.
  7. Encumbrance of property and registration of the transaction in Rosreestr.
  8. Transfer the remaining amount to the seller.

For military and family mortgages, interaction with a third body (Pension Fund of the Russian Federation and Rosvoenipoteka) is added.

List of required documents

To apply, you must provide complete information about the mortgage (current creditor bank, size, balance, details of loans from other banks, etc.).

Combine all loans into one! Reduce your overpayment and monthly payment!

Refinance

Russian Capital Bank considers refinancing based on the following package of documents:

  • borrower's application;
  • passport of a citizen of the Russian Federation;
  • certificate in the form of the employer, bank or 2-NDFL;
  • a copy of the employment contract or work book (for an amount of 300 thousand rubles or more);
  • a certificate confirming the status of the refinanced loans;
  • loan agreement and repayment schedule for the refinanced loan;
  • details for transferring funds;
  • if you have additional income, documents that confirm it.

The bank may require other documents for the refinanced loan or those that confirm the borrower’s solvency.

To refinance a mortgage, you will need to submit a report on the market value of the property, which is ordered from a third-party company.

Insurance

Mortgage implies:

  • property insurance (protection against the risks of loss and damage to collateral for the entire loan period);
  • personal insurance (risks associated with the loss of the client’s health or the insured event of his death are insured).

IMPORTANT! The latter type of insurance is optional and is purchased only at the discretion of the borrower. The exception here is the registration of a mortgage under the “Family Mortgage” program, for which it will be mandatory to conclude a comprehensive insurance agreement.

Payment and early repayment

Payments under the loan agreement are made monthly in the form of annuity payments. Available payment methods are:

  • payment acceptance points Megafon, Svyaznoy, Rostelecom;
  • bank cash desk;
  • ATMs and terminals of partner banks;
  • transfers from a third-party bank account;
  • Internet banking.

When using third-party payment options, it is important to consider when the money is credited to the borrower's loan account. Usually it is 1-5 business days.

In addition to the standard, gradual repayment of debt, the client has the right to early closure of the contract. No fines or fees are charged. For such an operation, you must write an application in any form addressed to the head of the Russian Capital Bank and indicate the amount to be paid and the date of payment.

Requirements for borrowers:

  • citizenship of the Russian Federation;
  • permanent registration on the territory of the Russian Federation;
  • total work experience: at least 2 years;
  • minimum work experience at the last place of work of 6 months;
  • the employer must be located on the territory of the Russian Federation, and the period of existence of the employing organization must be at least a year;
  • The borrower's age is at least 21 years old at the time of application;
  • the maximum age of the applicant should not exceed 65 years by the time the loan is fully repaid;
  • permanent place of residence: in the region where Rossiysky Capital Bank operates or in any other region for participants in the salary project;
  • availability of a mobile or landline telephone.

Advantages and disadvantages of mortgage lending at Russian Capital Bank

Key benefits:

  • partnership with the Dom.rf agency;
  • many mortgage lending programs;
  • profitable terms;
  • minimum terms for consideration of an application;
  • application of additional options to the loan;
  • implementation of social projects.

Minuses:

  • the ability to purchase housing only from the list of accredited properties;
  • compulsory insurance (when applying for a mortgage on the purchased property, insurance is required);
  • We accept only official documents and certificates.

Mortgage calculator Russian Capital. Online mortgage calculation Russian Capital 2020.

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Select a mortgage loan Russian Capital for online calculator calculation

  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
    rubles8.9%up to 25 years
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  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
    rubles9.25%20 000 000up to 30 years old
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    rubles9.25%20 000 000up to 30 years old
  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
    rubles9.75%10 000 000up to 25 years
  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
    rubles9.75%up to 25 years
  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
    rubles9.75%up to 25 years
  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
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  • CurrencyMin. bid Max. sum Max. term CommissionsPeculiarities
    rubles16%10 000 000up to 15 years

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1 540 868

4 540 868

payment datePrincipal paymentDutyInterest paymentInterestMonthly paymentRemainderPrincipal balance
October 202015 590,5622 250,0037 840,562 984 409,44
November 202015 706,1922 134,3737 840,562 968 703,24
December 202015 822,6822 017,8837 840,562 952 880,56
January 202115 940,0321 900,5337 840,562 936 940,53
February 202116 058,2521 782,3137 840,562 920 882,28
March 202116 177,3521 663,2137 840,562 904 704,92
April 202116 297,3421 543,2337 840,562 888 407,59
May 202116 418,2121 422,3637 840,562 871 989,38
June 202116 539,9821 300,5937 840,562 855 449,40
July 202116 662,6521 177,9237 840,562 838 786,76
August 202116 786,2321 054,3437 840,562 822 000,53
September 202116 910,7320 929,8437 840,562 805 089,80
October 202117 036,1520 804,4237 840,562 788 053,66
November 202117 162,5020 678,0637 840,562 770 891,16
December 202117 289,7920 550,7837 840,562 753 601,37
January 202217 418,0220 422,5437 840,562 736 183,35
February 202217 547,2020 293,3637 840,562 718 636,15
March 202217 677,3520 163,2237 840,562 700 958,80
April 202217 808,4520 032,1137 840,562 683 150,35
May 202217 940,5319 900,0337 840,562 665 209,82
June 202218 073,5919 766,9737 840,562 647 136,23
July 202218 207,6419 632,9337 840,562 628 928,59
August 202218 342,6819 497,8937 840,562 610 585,91
September 202218 478,7219 361,8537 840,562 592 107,20
October 202218 615,7719 224,8037 840,562 573 491,43
November 202218 753,8419 086,7337 840,562 554 737,59
December 202218 892,9318 947,6437 840,562 535 844,67
January 202319 033,0518 807,5137 840,562 516 811,62
February 202319 174,2118 666,3537 840,562 497 637,41
March 202319 316,4218 524,1437 840,562 478 320,99
April 202319 459,6818 380,8837 840,562 458 861,30
May 202319 604,0118 236,5537 840,562 439 257,29
June 202319 749,4118 091,1637 840,562 419 507,89
July 202319 895,8817 944,6837 840,562 399 612,01
August 202320 043,4417 797,1237 840,562 379 568,57
September 202320 192,1017 648,4737 840,562 359 376,47
October 202320 341,8517 498,7137 840,562 339 034,62
November 202320 492,7217 347,8437 840,562 318 541,89
December 202320 644,7117 195,8537 840,562 297 897,18
January 202420 797,8317 042,7437 840,562 277 099,36
February 202420 952,0816 888,4937 840,562 256 147,28
March 202421 107,4716 733,0937 840,562 235 039,81
April 202421 264,0216 576,5537 840,562 213 775,79
May 202421 421,7316 418,8437 840,562 192 354,07
June 202421 580,6016 259,9637 840,562 170 773,46
July 202421 740,6616 099,9037 840,562 149 032,80
August 202421 901,9015 938,6637 840,562 127 130,90
September 202422 064,3415 776,2237 840,562 105 066,56
October 202422 227,9915 612,5837 840,562 082 838,57
November 202422 392,8415 447,7237 840,562 060 445,72
December 202422 558,9215 281,6437 840,562 037 886,80
January 202522 726,2415 114,3337 840,562 015 160,56
February 202522 894,7914 945,7737 840,561 992 265,77
March 202523 064,5914 775,9737 840,561 969 201,18
April 202523 235,6514 604,9137 840,561 945 965,53
May 202523 407,9914 432,5837 840,561 922 557,54
June 202523 581,5914 258,9737 840,561 898 975,95
July 202523 756,4914 084,0737 840,561 875 219,46
August 202523 932,6913 907,8837 840,561 851 286,77
September 202524 110,1913 730,3837 840,561 827 176,58
October 202524 289,0013 551,5637 840,561 802 887,58
November 202524 469,1513 371,4237 840,561 778 418,43
December 202524 650,6313 189,9437 840,561 753 767,81
January 202624 833,4513 007,1137 840,561 728 934,35
February 202625 017,6312 822,9337 840,561 703 916,72
March 202625 203,1812 637,3837 840,561 678 713,54
April 202625 390,1012 450,4637 840,561 653 323,43
May 202625 578,4112 262,1537 840,561 627 745,02
June 202625 768,1212 072,4437 840,561 601 976,90
July 202625 959,2311 881,3337 840,561 576 017,66
August 202626 151,7711 688,8037 840,561 549 865,90
September 202626 345,7211 494,8437 840,561 523 520,17
October 202626 541,1211 299,4437 840,561 496 979,05
November 202626 737,9711 102,5937 840,561 470 241,08
December 202626 936,2810 904,2937 840,561 443 304,81
January 202727 136,0510 704,5137 840,561 416 168,75
February 202727 337,3110 503,2537 840,561 388 831,44
March 202727 540,0610 300,5037 840,561 361 291,38
April 202727 744,3210 096,2437 840,561 333 547,06
May 202727 950,099 890,4737 840,561 305 596,97
June 202728 157,399 683,1837 840,561 277 439,58
July 202728 366,229 474,3437 840,561 249 073,36
August 202728 576,609 263,9637 840,561 220 496,76
September 202728 788,559 052,0237 840,561 191 708,22
October 202729 002,068 838,5037 840,561 162 706,16
November 202729 217,168 623,4037 840,561 133 489,00
December 202729 433,858 406,7137 840,561 104 055,14
January 202829 652,158 188,4137 840,561 074 402,99
February 202829 872,077 968,4937 840,561 044 530,91
March 202830 093,637 746,9437 840,561 014 437,29
April 202830 316,827 523,7437 840,56984 120,47
May 202830 541,677 298,8937 840,56953 578,80
June 202830 768,197 072,3837 840,56922 810,61
July 202830 996,386 844,1837 840,56891 814,23
August 202831 226,276 614,2937 840,56860 587,95
September 202831 457,876 382,6937 840,56829 130,08
October 202831 691,186 149,3837 840,56797 438,90
November 202831 926,225 914,3437 840,56765 512,67
December 202832 163,015 677,5537 840,56733 349,66
January 202932 401,555 439,0137 840,56700 948,11
February 202932 641,865 198,7037 840,56668 306,25
March 202932 883,964 956,6037 840,56635 422,29
April 202933 127,854 712,7237 840,56602 294,44
May 202933 373,554 467,0237 840,56568 920,89
June 202933 621,074 219,5037 840,56535 299,83
July 202933 870,423 970,1437 840,56501 429,40
August 202934 121,633 718,9337 840,56467 307,77
September 202934 374,703 465,8737 840,56432 933,08
October 202934 629,643 210,9237 840,56398 303,43
November 202934 886,482 954,0837 840,56363 416,95
December 202935 145,222 695,3437 840,56328 271,73
January 203035 405,882 434,6837 840,56292 865,85
February 203035 668,482 172,0937 840,56257 197,38
March 203035 933,021 907,5537 840,56221 264,36
April 203036 199,521 641,0437 840,56185 064,84
May 203036 468,001 372,5637 840,56148 596,84
June 203036 738,471 102,0937 840,56111 858,37
July 203037 010,95829,6237 840,5674 847,42
August 203037 285,45555,1237 840,5637 561,98
September 203037 561,98278,5837 840,56-0,00

The Russian Capital online mortgage calculator will calculate all the data.

We have added the ability to select the Russian Capital mortgage lending program so that you can immediately start calculating and not have to think about what percentage to set.

Rate data is updated daily, so you can be sure that interest rates and Russian Capital mortgage programs are up to date.

You only need to indicate the amount you want to borrow and select the mortgage term. By changing this data, you can select online the necessary parameters of a mortgage loan, which you will be comfortable paying monthly.

Advantages of our mortgage calculator Russian Capital:

  • Free, no registration required
  • Formula for calculating monthly payments Russian Capital
  • We regularly update data on conditions and interest rates for calculating a mortgage loan in Russian Capital in 2020.
  • Mortgage calculator Russian Capital calculates both annuity and differentiated payments

To make a mortgage loan as profitable as possible for you, you should use our special financial tool - the Russian Capital online mortgage calculator. It will help you:

  • Select the Russian Capital mortgage lending program. Get interest rates
  • Choose the optimal monthly payment amount based on your income
  • Get detailed information about payments (how much you pay on interest, how much on principal)
  • Calculate the possibility of early repayment of the mortgage

Who is our Russian Capital mortgage calculator suitable for:

  • For individual entrepreneurs
  • For pensioners
  • For individuals
  • For legal entities
  • Of course, Russian Capital provides the most favorable conditions for salary card holders

We use the Russian Capital formula for calculating consumer loans, so you can be confident in the results of loan repayment.

If you need to calculate a consumer loan in Russian Capital, use the Russian Capital loan calculator for 2020

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