Mortgage for secondary housing at a rate of 15.8% – Ak Bars Bank

A loan for the purchase of apartments in apartment buildings and ready-made non-residential premises at a rate of 15.8% for up to 20 years. Initial payment from 20%.

Mortgage Megapolis

— Employed — Registered as individual entrepreneurs and/or business owners Loans for the purchase of apartments in apartment buildings Loans for the purchase of ready-made non-residential premises (apartments) in multifunctional non-industrial complexes / high-rise (low-rise) residential buildings. It is also possible to purchase a property pledged by a third-party bank.

General information

Conditions for the purchase of a property from a pledge

Types of insurance

– Collective insurance agreement (property insurance of the subject of mortgage against death and damage after registration of the mortgage in favor of the bank and personal insurance of the Borrowers against accidents and illnesses) for the purpose of acquiring apartments in an apartment building
— Property insurance (contract of insurance of the subject of mortgage against death and damage) (is mandatory) and personal insurance (contract of insurance of Borrowers against accidents and illnesses) for the purpose of acquiring non-residential premises (apartments)

Loan repayment terms

Terms of the loan program

With a down payment of 20% and the loan amount
— from 12 million ₽ when buying real estate in Moscow, the Moscow region, St. Petersburg and the Leningrad region;
– from 6 million ₽ – for other subjects of the Russian Federation.

With a down payment of 20% and the loan amount
— from 12 million ₽ when buying real estate in Moscow, the Moscow region, St. Petersburg and the Leningrad region;
– from 6 million ₽ – for other subjects of the Russian Federation.

With a down payment of 20% and the loan amount
— from 12 million ₽ when buying real estate in Moscow, the Moscow region, St. Petersburg and the Leningrad region;
– from 6 million ₽ – for other subjects of the Russian Federation.

With a down payment of 20% and the loan amount
— from 12 million ₽ when buying real estate in Moscow, the Moscow region, St. Petersburg and the Leningrad region;
– from 6 million ₽ – for other subjects of the Russian Federation.

Requirements for the Borrower/Co-borrower

— Citizen of the Russian Federation — Age limit at the end of the loan agreement — 75 years — Minimum age 18 years — Permanent or temporary registration in the Russian Federation at the time of submission of documents — If the Borrower is a male person under the age of 27 who does not have documents confirming the deferment from military service until the age of 27 or dismissal from military service with enrollment in the reserve, then a loan can be issued to such a Borrower, subject to the involvement of an additional Borrower (s) who is not subject to conscription for military service and has a confirmed income.The solvency of the Borrowers is assessed without taking into account the income and expenses of the person subject to the call – Permanent employment, total work experience and work experience at the last place of work must be at least 3 months. If the Borrower is an individual entrepreneur/Business Owner, the activity must be carried out for at least 12 months. At the same time, organizations registered in the territory of the Russian Federation and foreign companies with branches and representative offices in the territory of the Russian Federation can act as an employing organization.

Requirements for the subject of collateral

— Located in the cities of location of the territorial divisions of PJSC AK BARS BANK (or the nearest settlements located at a distance of no more than 100 km from them, for the Southern Regional Center – no more than 300 km)
– Registered with the state registration authorities of real estate rights and transactions with it in accordance with applicable law
– Have a bathroom separate from other apartments or houses
– Should not be located in barrack-type apartment buildings, wooden type (including prefabricated panel buildings)
– Should not be located in the basement of the building

The building in which the property is located, built in 1956 and older must meet the following requirements:
– Do not be in a state of emergency
– Not to be registered for major repairs, reconstruction with resettlement, demolition
– At the time of making a decision on a loan application, the consent of the insurance company to accept the property for insurance must be provided

There are no requirements for buildings built in 1957 and younger

– The degree of readiness of the house in which the acquired property is located is at least 10% (if the building is multi-storey) / 25% (if the building is low-rise – 2-4 floors)
– The apartments must be located in multifunctional non-industrial complexes / high-rise residential buildings
– Apartments must be on the 3rd floor or higher
– The apartment must be a structurally separate room suitable for habitation
– Free from any restrictions (encumbrances) of rights to it
– Registered with the state registration authorities of real estate rights and transactions with it in accordance with applicable law
– Comply with sanitary and hygienic standards, not be in an emergency condition, have reinforced concrete floors
– Must be connected to a water supply system, to a power supply and heating system (electric, steam or gas heating systems), providing heat to the entire area of ​​​​non-residential premises, have windows, doors, roof in good condition

– must have a wear of no more than 50%
– should not be registered on the setting for major repairs, demolition or reconstruction
– Do not have the material of the walls of wood (timber), metal -stone panels with internal filling with an effective mineral wool, SIP panels, light steel structures
– The collateral object should not be located in former boarding houses, rest houses, sanatoriums, camps, hotels, military units
– the building (building, the building in which the room is located) should have a cement, reinforced concrete, stone or brick foundation