Alfa-Bank

Credit can be issued at rates of 10% in U.S. dollars and 13% in rubles.

Interest rates: < td>15.0%

Program Name	Term, years	Interest rates in U.S. (MOSCOW)			Lending Rates in Euro (MOSCOW)
		form of income verification			form of income verification
		2NDFL	2NDFL and help shape the bank	Business owners	2NDFL	2NDFL and help shape the bank	Business owners
Loan for purchase of flats	5 years	10.0%	11.0%	12.0%	13.0%	14.0%	15.0%
	6-10 years	10.5%	11.5%	12.5%	13.5%	14.5%	15.5%
	11-15 years	11.0%	12.0%	13.0%	14.0%	15.0%	16.0%
	16-20 years	11.5%	12.5%	13.5%	14.5%	15.5%	16.5%
	21-25 years	12.0%	13.0%	-	16.0%	-

Work for you the most relevant mortgage program:

Program Name	currency loan	Downpayment	Term	minimum loan amount	maximum loan amount
Loan for purchase of flats	ruble, U.S. dollar	of 30%	5-25 years with increments in the year	20 000 $ or 500 000 USD.	500 000 $ or 15 million USD.
Loan for purchase of residential house (cottage)	ruble, U.S. dollar	40%	5-15 years with increments in the year	$ 50 000 or 1 250 000 rubles.	500 000 $ or 15 million USD.
Refinance: loan secured by the available apartments for repayment of a mortgage loan to another bank	ruble, U.S. dollar	Loan amount - up to 60% of the appraised value of the apartment	5-15 years with increments in the year	20 000 $ or 500 000 USD.	500 000 $ or 15 million USD.

Benefits of mortgage lending in the ALFA-BANK:

• Short review of the application;
• Prepayment 3 months without penalty;
• accounting income of both spouses, "gray" income, as well as additional income;
• not required sureties;
• No requirement for continuous registration in the region, purchasing real estate
• Preferential credit conditions for corporate clients;
• ability to issue mortgage loans for non-resident citizens and to conduct a transaction of any complexity;
• wide range of channels maturity: at any time, in any region.

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