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VTB 24

VTB 24 offers mortgage loans in rubles, U.S. dollars or euros to buy an apartment in a house on the secondary housing market. Acquired flat becomes the property of the client from the moment of processing the loan. She is the collateral for the loan for a term of 5 to 50 years. Additional guarantees are required.

Loan amount of 10,000 U.S. dollars, euros (or rubles). The minimum initial contribution - 20% of the value of the acquired property. Commission for consideration of the application - no. Fee for credit depends on the conditions for placing a down payment of contribution "VTB 24 - Contribution to the mortgage: 20 000 rub. - When the conditions for placing a down payment of contributions; 1,5% of the loan amount, but not less than 40 000 rubles. and not more than 120 000 rubles. - Failure to comply with the conditions for placing a down payment of contributions. Rates in percent per annum In case of an insurance policy Risk:

  • loss of life and disability borrower (sponsor - if applicable);
  • loss (death) or damage to the purchased apartments;
  • termination or limitation of ownership of the apartment (in the first three years after acquiring an apartment on credit).

Fixed, USD

The initial contribution, %

Credit term

to 7 years

to 15 years

to 25 years

to 50 years

40from 13,60from 14,00from 14,50from 14,60
less than 40, but more than 20 (inclusive)to 14,10to 14,35to 14,85to 15,10
 

Fixed, U.S. Dollar/Euro < td>from 11,85

initial contribution,%

Term

to 7 years

to 15 years

to 25 years

to 50 years

40from 9,10from 10,10from 11,10from 11,35
less than 40, but more than 20 (inclusive)from 9,85from 10,85from 11,60

Variables Ruble

initial contribution,%

moratorium on rate change

In subsequent periods of credit

1 year

40from 12,6CP + 3
less than 40, but more than 20 (inclusive)from 13,1CP + from 3,5

Combined, USD

initial contribution,%

moratorium on rate change

In subsequent periods of credit

3 years

5 years

40from 13,4from 13,6CP + 3
less than 40, but more than 20 (inclusive)from 13,9from 14,1CP + from 3,5

CP - refinancing rate of the Bank of Russia (since 01.06.2010 is set at 7,75%). In the case of credit with a variable or combination bet, after the expiration of the moratorium, the frequency of revision of rates - 2 times a year. The revision takes into account the rate of CF on April 1 and October 1 of each year. After reviewing the bid value of the monthly payment will also change.

In case of an insurance policy only on the risk of loss (death) or damage to the purchased flat interest rates increase by 3% per annum from the above.

 

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