Mortgage (“Khanty-Mansiysk Bank”): programs, conditions, requirements for customers

Currently, not all citizens of Russia can afford to buy a home; in connection with this, a mortgage is in great demand. Khanty-Mansiysk Bank offers profitable programs with attractive rates for customers. This financial institution is one of the largest Russian banks and has an impeccable reputation.

“Khanty-Mansiysk Bank Otkrytie”: mortgage

Clients can find all information regarding bank products on the organization’s official website. You can get a loan for the purchase of housing in the primary or secondary market. The purchased apartment remains pledged to the bank until the borrower fulfills all obligations under the contract (this is what mortgages differ from other types of lending). Khanty-Mansiysk Bank provides loans for several programs with different terms and amounts. Thanks to this, each potential client can get a loan on optimal conditions for themselves. The maximum contract can be drawn up for 30 years. The bank additionally makes demands on real estate and the borrower himself.

A separate program exists for those who already have a mortgage. Khanty-Mansiysk Bank offers refinancing with an attractive rate of 12.5% ​​per year. Russians eligible for MSCs or other state subsidies may apply for a loan agreement without down payment. For other programs, you must make a deposit for the acquired property.

Programs for individuals

Lending to citizens planning a home purchase is currently very well developed and is carried out by many financial organizations in the country. Considering what type of real estate the client is going to buy, he will be offered programs for which a mortgage is provided in a financial institution.

Khanty-Mansiysk Bank offers the following conditions:

1. Apartment in a new building with support from the state. Loan amount up to 3 million rubles. Mortgages for up to 30 years are provided. The amount of overpayment depends on the parameters of the transaction, an average of 11.3% per year.
2. The program for the military. This proposal applies only to a specific category of citizens - military personnel. You can get the amount of not more than 1 million 930 thousand rubles at a rate of 11.4% per year. The contract is valid for no more than 20 years.
3. "Apartment". The standard mortgage program for secondary housing involves a rate of 12.25% per year. A client can receive no more than 15 million rubles from a bank.
4. "New building." Under this program, you can purchase apartments in building houses and new buildings. The loan rate is calculated individually - at least 12.5% ​​per year. The size of the mortgage loan is up to 15 million. The loan term is standard.
5. Mortgage Plus. As part of this proposal, you can get from 500 thousand to 30 million rubles. Overpayment will be at least 15.5% per year.
6. "Free meters." This program gives customers the opportunity to buy housing worth up to 30 million rubles. The interest rate will be at least 13.25% per year. The duration of the loan agreement is standard.
7. Mortgage refinancing in this financial institution is carried out in accordance with the terms of the classic “Apartment” program.

Requirements for Potential Borrowers

To get a loan from this financial institution, you must meet the criteria:

• citizenship of the Russian Federation;
• age 20-55 years;
• registration in the region of circulation;
• work experience of a year, with 6 months continuously to work in last place;
• positive credit history;
• corresponding official income.

To get a loan, you need to provide the bank with all certificates and papers confirming citizenship, income, etc. If the applicant cannot provide documentary evidence of his compliance with all of the above parameters, the financial institution may refuse to conclude a transaction.

Insurance

The property for which the loan will go will be the security of the loan - this is the main thing, which is the difference from other mortgages. “Khanty-Mansiysk Bank”, like any other, obliges borrowers to insure property that is in collateral, and this must be done in one of the UK partners.

This financial institution cooperates with the following insurers:

• Alfa Insurance;
• Ingosstrakh;
• VSK;
• "Reso guarantee";
• "MAX" and others.