Today, not every person living in the cultural capital can afford to buy their own housing. Of course, making such a large sum of money is almost impossible for an ordinary office worker or builder. That is why the mortgage in St. Petersburg is in great demand among citizens.
By and large, this program is a loan that is given to people to buy real estate. Although the debt repayment period may be more than 20 years, the interest rate on the debt is usually almost half the cost of the apartment. In addition, many organizations providing mortgage services in St. Petersburg require a down payment. Such amounts are also very difficult to collect in a short time. That is why, before taking a loan, it is recommended not only to study the real estate market, but also the services of banks.
Mortgages
To date, there are several options for such debt relationships:
- State subsidies. This type of lending to citizens has appeared relatively recently. A loan of this type can be considered a profitable mortgage in St. Petersburg, since the interest rate in this case will be only 11.25% per annum. However, to obtain such a loan will have to arrange comprehensive mortgage insurance of the consumers themselves and their property. Also, according to subsidies, it is allowed to purchase apartments exclusively in the primary market, taking into account the cost of housing from 3 to 8 million rubles. The term for which a loan is granted is usually 25 years.
- Mortgage in the primary market. In this case, it is allowed to purchase a living space worth from 1 to 12 million rubles. If a resident of St. Petersburg decides to purchase real estate in the primary market, then several programs will be available for him. "New building on the passport" - the interest rate per annum will be 13%, while at least 30% of the cost of the apartment will have to be paid, the payment period is up to 25 years. "New building" - it is necessary to prepare an expanded list of securities and make a loan equal to 15%.
- Mortgage in the secondary market. In this case, several programs will also operate. "Apartment according to the passport" - PV not less than 30% of the cost of housing, the percentage of the annual rate is 13.25%. “House” - in this case, a resident of St. Petersburg can purchase a country house, the cost of which will be from 500 thousand to 12 million rubles. The down payment is 25%.
However, it should be borne in mind that the mortgage in the bank of St. Petersburg can vary significantly depending on the chosen organization. Not all credit companies are associated with loans of this type. In addition, there is a chance to run into scammers. Therefore, it is better to apply for a large loan to a trusted and reliable organization.
Mortgage in St. Petersburg in Sberbank
To take out a loan for the purchase of housing, most people turn to this credit institution. The fact is that Sberbank is the largest in the Russian Federation, through it pensions and other subsidies from the state are accrued. Accordingly, taking a loan here, a person will be sure that the financial company will not go bankrupt.
So, if we talk about the mortgage conditions in St. Petersburg at Sberbank, then it is worth voicing several key points:
- If you get a loan on shares for new buildings, then the minimum percentage per annum will be only 10.4%. In this case, the loan amount will be at least 300 thousand rubles. The PV to be paid is 20%.
- When applying for a loan for the purchase of secondary housing, the percentage of annual payments will be slightly higher - 10.75%.
- If a citizen wants to buy a country house, then the rate will be 11.75%.
In addition to this organization, you can take a mortgage in St. Petersburg at VTB 24. It also has stable performance and a long history of existence.
Mortgages in VTB 24
This bank offers consumers several options for mortgage lending:
- Mortgage in St. Petersburg for a new building. In this case, the rate will be 10.9% per annum, and PV 10%.
- An apartment in a finished house, the cost of which is no more than 60 million rubles. Those who want to acquire such housing will need to pay at least 10% as an initial contribution and pay about 11.25% annually.
Mortgage at Otkritie Bank
In this case, for mortgage lending, at least 20% of the price of the apartment must be paid. The annual rate will be 11.25%. If we talk about the maximum loan term, then it will be no more than 30 years.
In addition to the mortgage itself in St. Petersburg, Otkritie Bank offers citizens loans for major repairs of apartments.
Mortgage in SKB
This bank is also a fairly reliable organization, which you can apply for mortgage lending.
SKB offers citizens the possibility of early repayment and reduction of payment periods. The interest rate on the loan will be 14% per annum.
Nevertheless, many are interested in the possibility of mortgages in St. Petersburg without a down payment. If we are talking about a young family, then there really is such an opportunity. Since spouses with young children most often buy housing, the state has developed a special program for them.
Mortgage in St. Petersburg: a young family
This project is suitable for spouses whose age does not exceed 35 years. In this case, the use of maternity capital as an initial and several subsequent installments is implied. Further payments are made in standard mode. The interest rate is 12.5% per annum. Roughly speaking, having received MK, you can apply for a mortgage without a down payment in St. Petersburg.
In addition, young families without children sometimes receive special subsidies from the state. According to these preferential conditions, spouses can apply to one of the accredited bank branches in order to receive financial assistance, which can be used in different ways:
- Set off the amount in favor of the PV on the mortgage;
- repay part of the loan or its full amount;
- deposit these funds as payment for housing.
In addition, mortgage lending with a lower interest rate (the amount of which will be much less than the market one) is becoming available to program participants.
Funding for this program can be carried out both from the federal and local budgets. In this case, an interest-free loan can be issued at all, provided that the down payment is 30% of the price of the apartment.
Military lending
In 2005, the government launched the Military Mortgage Program in St. Petersburg and other cities. According to the innovation, the state provides people serving in the army with living space not in kind, but in money. This means that a soldier can receive a subsidy in the amount of 1 million rubles and spend it on down payments on a mortgage or purchase low-cost housing for this amount.
In addition, the Military Mortgage in St. Petersburg involves the allocation of funds in the amount of 2.5 million rubles to repay loans. These cases are considered in private. The average amount of subsidies issued by the state is about 3-4 million rubles. If a soldier wants to purchase housing at a higher cost, then he pays the rest on his own.
However, it is worth considering the fact that this subsidy contains a number of amendments and exceptions. Accordingly, not every person serving in the army can receive substantial financial assistance.
Finally
Almost everyone who has a permanent job can get a mortgage. It all depends on the conditions of a particular credit institution. Of course, it is best to apply for a loan at one of the state banks. Only in this way guarantees will be given to the citizen. Before buying an apartment for a mortgage, it is recommended to carefully study the real estate market and, if possible, consult with a lawyer. If you approach the issue wisely, you can significantly reduce the cost of buying an apartment. In addition, it is worthwhile to carefully study the list of subsidies offered by the state.