Application for mortgage lending online. Apply for a mortgage online: complete and submit to all banks

It is quite possible to choose a profitable banking program if you apply for a mortgage in several banks. It seems that everything is simple - give and choose the best option. In fact, this method of obtaining a loan is fraught with many pitfalls that you should definitely consider.

In this article, we will consider them, and also describe services that offer to send applications to several financial institutions, we will analyze whether it is possible to take a second mortgage by paying off the first, what points to pay attention to when choosing a bank.

Why not? After all, the developers themselves offer a similar service. For example, an application for a mortgage in several banks is made out on the website of a large Moscow developer PIK Group. A person is only required to come to their office, and they will do the rest themselves:

1. Select the best mortgage lending program.
2. They will provide an estimate of payments.
3. They will help you apply for a loan.
4. Send it to partner banks.
5. The transaction will be carried out in accordance with the selected program.

There is no need to pay for the service itself.

Some people still hesitate to submit multiple applications at the same time. The reason is simple - all applications, approved and unapproved, are recorded in the credit history, and, therefore, may arouse suspicion among banks. The chances of obtaining a loan, in their opinion, in this case are reduced.

Indeed, before approving an application, banks request a CI, and it reflects all previous client requests to other financial and credit organizations, including approved but unused applications. But in reality, everything is not so scary:

• applications are stored in CI for only 5 days;
• in case of refusal, the information does not always have time to reach another bank.

Therefore, an application for a mortgage in all banks is an idea that is quite expedient and wise.

In addition, mortgage brokers will greatly facilitate the filing of documents. The mediation service between the client and the bank is new, but has already become popular with many property buyers. It greatly simplifies the paperwork process and helps to reduce the time for loan approval. And the banks themselves are more willing to agree to proposals that come from their partners.

What to look for when applying for a mortgage. Preparation of documents

Before applying to the bank online for a mortgage, you need to consider the upcoming additional costs. The following types of expenses are expected:

• Mortgage insurance. This includes property insurance (from 0.15 to 0.3%), life and health insurance (0.39%), property rights to purchased real estate (0.21%, only for housing on the secondary market). You need to understand that property insurance is mandatory, this is prescribed in the Federal Law No. 102 of 07/16/1998. The rest are voluntary. However, if you refuse them, the bank may raise the interest rate on the loan by 1 or 1.5 points. It can also increase if the client refuses to renew the contract with the insurance company every year.
• Bank commissions. They can be charged for issuing certificates, for considering an application, for processing documents, for removing encumbrances on a mortgage, and even for crediting payments on a loan. Therefore, all these questions need to be clarified in advance before applying to the bank. Some fees are prohibited by law, such as application processing and loan disbursement fees, others, such as a one-time payment, remain the most common and can range from 1 to 4% of the loan amount.
• Independent real estate appraisal. It is carried out by the client himself, for the procedure you will have to pay about 4,000 rubles.

Today, applications can be submitted both at the office and at personal account bank internet portal. The procedure is simple: an online application is filled out and sent to the bank manager. Then a bank specialist contacts a potential client and discusses the conditions for further interaction. The necessary package of documents is transferred electronically without leaving home. Of the documents usually require:

• a copy of the work book certified by the employer;
• all scanned pages of the passport;
• certificate of income (according to a bank form, or 2-personal income tax).

When choosing a suitable bank, you will need to focus on three parameters: down payment, rate, monthly payment. Let's take a closer look:

• initial payment amount. For those clients who can pay half or more of the cost of the acquired property, it is wiser to give preference to programs with a preferential interest rate. If there is not much money, then the best option would be a mortgage program with additional security, which can be another house or apartment, a car.

• interest rate. Well, everything is clear here - the lower the rate, the better. Some banks are ready to reduce the percentage by several points for certain categories of customers, for example, those who receive a salary on their card.
• Monthly payment. It should not exceed 40% of the income received by the borrower. If the income is small, then it would be wiser to increase the loan term.

In addition, you need to make sure that the borrower meets the requirements of the bank regarding age, work experience, registration and others.

Can I get a second mortgage? Practice

Take out a second mortgage? What for? Pay off first! So many say, in fact, there are people who take not only the second, but also the third and even the fifth mortgage. Recently, the story of blogger Svetlana Shishkova appeared on the network. She and her husband took 4 mortgages in 6 years, they successfully repaid three of them and in the future they will receive a fifth. Now they own two apartments in Moscow and in the Moscow region and know all the nuances of the procedure and how to get a second mortgage without paying off the first one.

Therefore, the answer to the question “is it possible to take a second mortgage?” - unambiguously affirmative, banks provide such an opportunity, however, not all. The higher the entry fee (not less than 15%), the more offers from financial institutions and the chances of approval of the application

People take out loans in different ways:

• extinguish the initial debt ahead of schedule, then take a new one;
• leave the old and take the new;
• sometimes future borrowers, not having enough money for a down payment, before taking a second mortgage, offer the bank an apartment as collateral, the loan for which is 90% repaid. With all the attractiveness of such an offer for themselves, not many banks agree to this, considering the deal to be risky;
• then the last option remains: borrowers sell an apartment that is not free from collateral and use this money to pay off the debt, and use the remaining funds as down payment when buying a second apartment. This option is also reluctantly considered by bankers and the failure rate is high. And even if the decision is in the affirmative, they can request 1% of the remaining outstanding loan.

When deciding whether or not to issue a second mortgage to a client, banks apply three criteria to him:

• the size and stability of income - it must be 2 times more than monthly mortgage payments;
• good credit history;
• good quality characteristics of collateral real estate.

At the same time, it is more convenient to take a second loan where the first one was issued.

Different banks have different loan conditions. For example, you can take a second mortgage at Sberbank with the involvement maternity capital as a down payment.

Many military people are interested in the question of whether it is possible to take a mortgage a second time. The law does not limit the number of participations in the military mortgage program. However, before applying, the borrower will need to pay off the loan for the first apartment. This can be done either with your own accumulated funds, or with money from the sold apartment.

Universal application for a mortgage in several banks

Many intermediaries between the financial institution and the borrower have appeared on the mortgage market. They create Internet services that quickly and without problems make an online application for a mortgage to all banks. Consider the most popular of them.

Tinkoff Bank as a universal mortgage aggregator. Pros and cons

Users can get approval from several banks and choose the most optimal conditions for themselves mortgage service from Tinkoff Bank. The recipient of the loan simply leaves an online application on the site, and the rest of the procedures fall on the shoulders of his personal manager, who is immediately attached to him. Step by step it looks like this:

1. An application is being filled.
2. The service transfers it to several partner banks.
3. The client chooses a suitable accommodation for him - an apartment, a room, apartments, a country house, a garage or another.
4. The borrower compares conditions from different banks and chooses the right one.
5. At the final stage, he meets with a representative of the partner bank and concludes a deal.

Questions of insurance, assessments are decided by the manager. Another significant plus is that Tinkoff Bank helps to reduce interest from its partners. And all this is completely free. So, at least, the bank itself describes the service.

The Tinkoff portal displays reviews of the service from the Banki.ru website. Even a cursory glance at them, you can see that many are satisfied with the service. There are also negative reviews, but they are much less. Here is what they write:

pros	Minuses
Feedback from user Kortaf Easy-to-fill questionnaire; Everything loads quickly; Choice of 3 partner banks; Saving nerves and strength	Did not like: After uploading the documents, they cannot be edited, you need to call the bank and ask to open the questionnaire again. Already at the stage of the transaction, it was discovered that the percentage increased from 11.75 to 12.0%.
broker-spb For a long time I thought about how to take a second apartment in a mortgage. Tinkoff helped a lot. Tangible assistance during registration and a full package of services without leaving home. The bank employee himself came for the originals.
msi.inc I liked the well-established service, additionally reduced interest rate, competent and professional managers
Dolmatov89 I appreciated the efficiency in resolving the issue, the professionalism of managers and the reduced interest rate.
Ritmo The bank offers the most advantageous offers from its partners. There is an opportunity to get an additional discount on the interest rate. Comprehensive expert advice. Detailed information about the real cost of the loan with all fees in each partner bank. Free debit card as a bonus. High level of training of specialists. Fast dialing and the same response to the application.
	Blitz51 I didn’t like the incompetence of the employees, the deceit, the sent payment schedule turned out to be 600 thousand rubles in error, one document or the other was constantly needed. Employees inattentively read the data of the questionnaire, and as a result, after a long red tape, the application was never approved.

As you can see, most users are still satisfied with the service and are ready to recommend it to friends and family.

DomClick service of Sberbank of Russia with discounts for new buildings. Pros and cons

DomClick helps to purchase real estate with a mortgage. Working with the service is very simple:

1. On the home page DomClick we pre-calculate the loan and choose the conditions that are acceptable to us: the type of real estate, its price, the amount of the down payment, the loan term.
2. We create a personal account. You can edit previously entered conditions in it.
3. Fill out the application, upload the documents and send. The application is usually considered within 2 days, but can be approved on the day the questionnaire is sent.
4. After the application is approved, the borrower has 90 days to choose a home and collect all the documents. By the way, Sberbank is holding a campaign: when purchasing an apartment in new buildings accredited by the bank, the borrower is provided with special conditions, one of which is a low interest rate - from 7.4%.
5. Documents are uploaded in your personal account, and they are immediately sent to the bank for verification. The decision of the bank will be submitted within 5 days.
6. The borrower chooses the date and time for signing the documents.
7. To become the owner of real estate, the transaction must be registered with Rosreestr. It will take from 3 to 9 days.

In your personal account, you can order a call back and send a message to the operator.

You want to apply for a mortgage loan, but you do not have time to visit those banks that could provide it to you. These days, this issue is easy to solve. It is enough just to apply for a mortgage online directly on the official websites of the selected banks. In just a few hours in these credit organizations make a preliminary decision on your request and provide information on the terms of such lending for you. You will only have to choose where an online mortgage in 2020 will be most beneficial for you, and arrange it in one or another institution.

How to apply for a mortgage online?

An application for a mortgage online is submitted to any bank simply and quickly. For this purpose you need:

1. Visit bank websites, study mortgage lending programs, calculate their cost using a calculator.
2. Complete and apply for a mortgage. If possible (when applying for insurance or a deposit in the same bank), attach to it an application for a reduction in the mortgage rate.
3. Wait for the decision of the bank. If the online mortgage application is approved, you will need to collect documents and contact the bank office to sign a loan agreement.

Mortgages are one of the most popular loan products. Making a loan for housing is a lengthy undertaking that requires a lot of effort and time from the borrower. For those clients who want to simplify and speed up the process of obtaining a loan, many banks have developed a new service - online application for a mortgage.

An online mortgage application is an electronic form that a potential borrower fills out and sends to the bank for consideration via the Internet.

An online application has some advantages over the form issued at the office of a credit institution:

1. Possibility to fill out the questionnaire at any convenient time. The client does not need to adjust to the bank's working hours.
2. No queues for loan officers.
3. The bank employee notifies the client of the decision and makes an appointment for a specific time. This period is usually enough to collect the missing documents.

Disadvantages of online application include:

1. It is difficult to independently check the correctness of filling out the questionnaire. When filling out an application at the office, a bank specialist explains what information should be displayed in the application.
2. During a personal consultation, a bank employee first assesses the borrower's chances of obtaining a mortgage and selects the best loan product for him.
3. It is difficult to calculate the full cost of a loan online (costs for insurance, commission for issuing / issuing a loan).

The listed disadvantages are rather conditional, since the borrower can find out all controversial issues over the phone. Therefore, applying for a mortgage via the Internet is quite justified and expedient.

Today, many banks allow you to apply for a mortgage loan via the Internet. This service is interesting for both new borrowers and regular customers of financial institutions. The online application service is available in many Russian banks.

Sberbank– submission of an application and preliminary agreement of credit conditions online.

Gazprombank offers two options for solving a mortgage issue via the Internet:

• submission of the "Express Questionnaire" - brief information is displayed. Further actions the consultant of the bank informs by phone;
• execution of the "Full Questionnaire" and the application of a package of documents in scanned form.

VTB 24 considers online applications only from participants in the bank's salary projects. In addition, there are additional features of online mortgage registration:

• the maximum loan amount is 5 million rubles;
• the size of the down payment - at least 10% of the cost of housing;
• making a decision in 1 working day;
• The validity period of the approved application is 2 months.

A detailed online application form for a mortgage is provided in AK Bars Bank. All borrowers can count on applying for a loan via the Internet, regardless of whether they have a bank salary card. AT UniCredit Bank and RaiffeisenBank You can apply online for a preliminary consultation on a mortgage loan.

AT Rosselkhozbank,Alfa bank, Bank of Moscow, Promsvyazbank, Rosbank and Moscow Credit Bank apply for a mortgage online. Clarification of questions on the financial condition of the borrower / co-borrower, the property takes place over the phone.

AT bankSt. Petersburg There is no online home loan application service. Here you can only apply for a preliminary calculation of the mortgage. Bank Russia until he developed an online mortgage application service. The borrower has the opportunity to familiarize himself with the questionnaire on the bank's website, which will need to be filled out at the office of the financial institution.

Council number 3. What requirements must a borrower meet to apply for a mortgage online?

The conditions for obtaining a mortgage through the Internet in different banks are different. However, there are a number of requirements that lenders put forward to their borrowers:

1. Citizenship of the Russian Federation.
2. Availability of permanent/temporary registration.
3. The age of the borrower is from 21 years old (some banks agree to issue a mortgage if the client has reached the age of 18).
4. At the end of the loan agreement, the borrower must be no older than 55-60 years.
5. Documentary confirmation of the client's income.
6. Good credit history of the client.
7. Availability of a solvent guarantor/co-borrower.

Advice! If the borrower is ready to pay more than 50% of the down payment on his own, then he can get a mortgage without additional security (guarantee). This point is discussed with a bank specialist over the phone, after reviewing the loan application.

You can send an online application for a mortgage from the official website of a financial institution. The corresponding button is usually located in the "Individuals" - "Loans" - "Mortgage lending" section.

In Sberbank and VTB 24, the "Apply Online" option is located on the pages of each mortgage product. You can apply at Alfa-Bank through the Mortgage Calculator program.

Clients of Uralsib Bank and Sberbank can fill out a "credit" questionnaire in their personal electronic account (Sberbank-online and Uralsib Internet-bank, respectively).

Council number 5. Online application for a mortgage: what data to enter the borrower

As a rule, a potential borrower must enter the following data:

1. Personal information:

• details of the document confirming the identity of the client;
• contacts: telephone, registration address, e-mail;
• marital status/presence of children.

2. Information about the source of income:

• place of work / presence of entrepreneurial activity;
• position and work experience;
• officially confirmed income (in some banks, when calculating a mortgage, they may take into account the unofficial income of the borrower);
• availability of a salary card from the lender's bank;
• total family income.

3. Information about the property:

• real estate;
• vehicles;
• deposits.

4. Information about family expenses:

• current liabilities to other banks;
• tuition/support expenses.

5. Parameters of the requested loan:

• mortgage amount;
• an initial fee;
• property value;
• loan repayment period.

Advice! When filling out the questionnaire, you must provide the most complete and reliable information about yourself, your income and existing property. The bank employee will evaluate the reliability and solvency of the borrower from the data of the loan application.

Council number 6. How the borrower and co-borrower can verify their income

When applying, the income clause should be taken especially seriously, since it is precisely financial condition The borrower plays a critical role in determining the amount and term of the mortgage.

The main ways to confirm the income of a potential borrower:

1. Help on Form 2-NDFL. This option is suitable for those who have one main job with an official salary. The settlement period of the form is 6 months / 1 year (depending on the requirements of the bank). If the borrower receives wages on the "plastic" of the creditor bank, then it is enough to indicate the card details in the application.
2. Help on Form 3-NDFL. This document is provided by notaries and lawyers in private practice.
3. Certificate of income in free form. The document is issued by the accounting department of the enterprise with a mandatory visa for the head. It should be noted that not all banks are ready to take into account unconfirmed income, and not all managers agree to sign an "arbitrary" document.
4. A copy of the income statement signed by the tax inspector.
5. An agreement on the lease of real estate or vehicles, which is owned by the borrower.
6. Deposit agreement, which indicates the amount of monthly interest payments on the client's savings.
7. Indirect confirmation of income: the presence of securities and expensive property.

Advice! Some banks, in the absence of officially confirmed income, agree to issue a mortgage, but subject to an increase in the interest rate on the loan by 1-3 points. As a guarantee of settlement of obligations, the client can offer the bank additional collateral, preferably real estate or vehicles.

Council number 7. What to look for when choosing a mortgage product

In order to make the right decision and choose the optimal mortgage program, you need to compare the conditions of different banks. First of all, borrowers pay attention to the following parameters of the loan product:

1. The amount of the down payment. For clients who are ready to pay 50% or more of the cost of the purchased housing on their own, it is better to choose special programs with preferential interest rate. If the borrower has no money, or the amount of own investment is less than 20%, then you can apply for a mortgage with additional security. This may be other real estate, vehicles or a guarantee of a solvent co-borrower.
2. Interest rate. Estimated mortgage rates in many banks are similar. However, some financial institutions are ready to make concessions to "preferential" categories of borrowers and reduce loan interest by 2-3 points.
3. Repayment schedule. This parameter is especially important for entrepreneurs with seasonal business. You need to find out in advance whether the bank provides "credit holidays", and how this service will affect the cost of the mortgage.
4. Associated costs of a mortgage loan. A small loan rate can be “compensated” by comprehensive insurance, a commission for issuing / processing a loan, and monthly payments for servicing a mortgage.

Tip #8. How to choose the best loan terms: mortgage calculation

Before submitting a loan application for approval, it is advisable to adequately assess your capabilities and calculate the mortgage online. To do this, you can use the Mortgage Calculator program. The settlement service is available on the official website of each of the banks that is engaged in issuing housing loans.

For calculations, you will need to enter the following data:

• the total cost of the purchased property;
• the amount of the down payment (the borrower's own money);
• desired loan amount;
• preferred mortgage repayment period;
• interest rate;
• repayment method (annuity/differentiated payments).

After entering all the information, just click on the "Calculate" button and summarize.

Mortgage Calculation Example. The borrower wants to buy an apartment on the secondary market worth 3,000,000 million rubles, the accumulated amount for the down payment is 600,000 rubles. (twenty%). Monthly official income - 50,000 rubles. The client receives a salary on the card of the Russian Agricultural Bank, and plans to apply for a mortgage in this financial institution. The approximate maturity of the loan is 10 years.

Calculation procedure:

1. Go to the website of the Russian Agricultural Bank.
2. In the "Individuals" - "Loans" section, select the appropriate mortgage program. In this case: "Mortgage housing lending."
3. On the page with the terms of the mortgage there will be a form for calculating. Enter mortgage parameters:

• select the item “I receive a salary on the card of the Russian Agricultural Bank”;
• loan amount - 2400000 rubles. (missing cost of housing);
• down payment - 20% (600,000 from 3,000,000);
• term - 120 months;
• monthly income - 50,000 rubles;
• repayment method - annuity.

4. Indicate consent to comprehensive insurance and the provision of documents on registration of a mortgage in favor of the bank.

5. Evaluate the results.

Based on the results, we can conclude: with the entered parameters, the amount to be received will be 1,938,523 rubles. If the borrower does not agree to purchase more affordable housing (no more than 2,538,000 rubles), then you can increase the repayment period to 20 years and recalculate.

The calculation results show that the borrower will be able to issue the requested mortgage (2400000 rubles) for a period of 20 years at 19% per annum. The settlement rate increased by two points due to the extension of the repayment period (risks for the bank increased). In this case, the amount of the monthly payment will be almost 39,000 rubles.

Tip #9. What method of repayment of a mortgage loan is acceptable for a borrower

There are two options for calculating the loan repayment schedule: annuity and differentiated.

At annuity method the payer pays the total amount of the debt (loan body + interest) monthly in equal installments. In this case, the "load" on the client is less, but the total overpayment on the mortgage is greater.

Differentiated repayment- the main debt is distributed in equal parts, and the interest decreases every month. From the point of view of savings, this method is more beneficial for the borrower. However, it can be difficult for a client, especially at first, to make payments.

Choosing one or another method of repayment, you need to calculate the mortgage and evaluate the result of each of the options.

The difference in repayments can be seen from the calculations using the parameters of the previous example (loan amount - 24,000,000 rubles, down payment - 20%, term 240 months, income - 50,000 rubles). After entering the data and choosing alternately different repayment methods, you can summarize.

It can be seen that the amount of monthly payments for annuity repayment (38,897 rubles) is more acceptable for the client than for a differentiated one (48,000 rubles).

Advice! When choosing a repayment method, it is important to correctly assess your own capabilities. A more profitable (in terms of savings on interest) differentiated schedule may be unbearable for the borrower, and lead to delays. It is better to play it safe: choose a more convenient and “loyal” annuity calculation method, and, if possible, close the loan ahead of schedule.

Tip number 10. How to increase your chances of being approved for a mortgage application online

1. It is better to submit an online application to several banks at the same time. After receiving the answers, it will be possible to evaluate the proposed options and choose the best one.
2. Simultaneously with the submission of the application, it is advisable to send scanned documents to the bank, which are necessary for obtaining a mortgage. This procedure will still have to be performed after the approval of the application.
3. It is important to have a positive credit history. Bank employees pay attention to this criterion in the first place. Even if the borrower is solvent, but had problems repaying previous loans, the chances of obtaining a mortgage are sharply reduced. In order to “save” the situation, corroborating documents can be attached to the application (certificates from the hospital, documents confirming the change of job / forced large embezzlement).

"Rosbank Dom" offers to take a step towards the acquisition of real estate - apply for a mortgage online. Not everyone is able to afford to save the amount necessary to make a purchase of this magnitude, and the accumulation process itself involves a long period, during which much can change. At the same time, filing an application for a mortgage allows you to solve the housing issue here and now, starting from the real state of affairs. Borrowers can visit the bank office or fill out an electronic application form for a mortgage loan via the Internet.

Online application for a mortgage: step-by-step instructions for registration

To apply for a mortgage loan, you must enter the relevant information in the special fields and leave a message on our website. Do not forget to give your consent to the processing of personal data. Within a short time, Rosbank employees will contact you to clarify details on mortgage lending.

Applying for a bank loan is very easy. General information and contact details are entered in a special form: last name, first name, mobile phone where you can be contacted, the region where the purchase is planned, the type of property, as well as the source from which you learned about Rosbank Dom.

Consideration of an online application for obtaining a mortgage loan and preliminary approval of your application for a mortgage are carried out by our specialists as quickly as possible after you fill it out. A detailed discussion of the terms of lending will take place jointly with specialists from Rosbank Dom.

Applying for a mortgage at Rosbank Dom is convenient

The main benefit of completing the mortgage application form is the significant time savings. Reporting your intention to buy any property on credit online means avoiding the need to visit a bank office. In addition, you can always use the advice of Rosbank Dom specialists, who will tell you in detail how to apply to the bank.

Before submitting an application for a mortgage, we recommend that future clients familiarize themselves with the minimum requirements for a potential borrower (for example, age limit). You can get all the necessary information at any time from our specialists by phone or online on the official website of the Bank. Here you can also calculate a mortgage loan using a special calculator that will allow you to assess your financial capabilities and choose the most optimal lending program. After that, you can fill out an application form.

If you have a desire to purchase a house, apartment or other real estate, then Rosbank Dom specialists will definitely help you in its implementation. In order to be convinced of this, it is enough to fill out and submit an online application for a mortgage loan (mortgage).

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