Interest rate: Mortgage Rates Calculator - Mortgage Standards AHML

Mortgage Standards AHML
The main parameters of the program AHML

Loan Currency: Ruble

Down payment: not less than 10% of the cost of housing (the cost of housing - the lower of the purchase price under the contract or of the evaluation conducted by an independent appraiser). If the initial payment on the loan is less than 30% of the market value of housing is mandatory to be insured by the borrower's liability under the loan agreement.

The maximum amount of not more than 4 000 000 (for the Novosibirsk region)

Interest rate: Mortgage Rates Calculator

Term Loan: at least 3 years and no more than the shorter of the following periods: 30 years (360 months), or the difference between 65 years and the current age of the borrower (years), and the full implementation of the obligations under the Loan Agreement / Loan Agreement shall be made not later than the month in which the borrower will reach the age of 65 years. If some borrowers, the maximum term of fulfillment of obligations under the Loan Agreement / Loan Agreement is calculated from the difference between the lowest and the current 65 years of age (full years) of each of the Borrowers. Term of the loan, calculated in months, the value should be a multiple of 12.


The ratio of expenses / revenues:


Payment on the loan is not more than 45% of the total income of the borrower.

Requirements to the Borrower (s):

- Russian citizenship,

- Registration of residence / stay in the territory of the Russian Federation,

- Age of the borrower at the time of the loan agreement / contract of the loan must be at least 18 years, and shall not exceed 65 years at the end of the term of the mortgage (loan)

- The total number of borrowers, according to one speaker Loan Agreement / Loan Agreement may not exceed three (3) people

Proof of income:

- For employees: Certificate of employment, confirming the amount of income for the last six months, in the form of 2-PIT or in the form of AHML.

- Individual entrepreneurs submitted documents for a period of at least the last 24 months

Banks offering mortgage programs by the standards AHML:

GLOBEXBANK
Novosibirsk Municipal Bank
AK BARS Bank
Housing Finance Bank (Zhilfinans)
Bank Zenit
City Mortgage Bank
TATFONDBANK
Siberian Bank of Sberbank of Russia
UniCredit Bank
Uralsib Bank
Bank opening

The program AHML "New"

In early 2010, AHML developed special conditions for the issuance and redemption of mortgage loans for the purchase of housing in the newly built after 2008 or under construction apartment houses of economy class.


AHML: Terms of mortgage loans for construction:



Mortgage / loan is given:
- For the purchase of residential premises under construction through participation in the joint construction, which is decorated in accordance with the Federal Law of 30.12.2004 ? 214-FZ "On Participation in the shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation" ;
- For the purchase of residential premises under construction by agreement / contract cession of Legal Entities (-im) person (s) under the contract of a joint construction, which is decorated in accordance with the Federal Law of 30.12.2004 ? 214-FZ " On Participation in the shared construction of apartment buildings and other real estate and on amendments to some legislative acts of the Russian Federation ";
- For the purchase of residential premises on completion by the purchase and sale of residential premises of a legal entity;
- For the purchase of premises by paying a share in building society.

Product Requirements AHML "New" to the acquired mortgage real estate:



Acquired apartment is located in an apartment building in 2008 and later years of construction. The apartment can be purchased during the construction phase and upon completion of construction. Also, loans may be granted to members of the HBC to pay for shares of Housing Cooperative.


Collateral for the loan is purchased apartment or the right of claim under a contract of investment. Seller apartment necessarily a legal entity.

Credit term: up to 30 years.



The maximum amount of not more than 4 000 000 - for the Novosibirsk region, for the purchase of housing in Moscow and St. Petersburg - 8 million.



The initial payment and interest rates under the "New":

The initial payment on the loan is at least 10% of the market value of the property. If the initial payment on the loan is less than 30% of the market value of housing is mandatory to be insured by the borrower's liability under the loan agreement.

On payment of an initial payment, you can use the means of the parent (family) capital.

With an initial contribution of 50% to 70% (inclusive) rate on the loan is set at 10.5% per annum, from 40% to 49% - 10.75% per annum, from 30% to 39% - 11% per annum, from 20 to 29% - 11.25% per annum, from 10 to 19% - 11.5% per annum. These rates are subject to personal insurance of the borrower. In the absence of private insurance is the interest rate increased by 0.7 percentage points.

The ability to reduce the interest rate on your mortgage:

Additional deductions of the interest rate available to buyers of economy class housing, the recipients of the parent (family) capital, young families and owners of public housing certificates.

The largest size of the deduction of - 0.5% - is provided to citizens when purchasing economy class housing at a price set by the Ministry of Regional Development and do not exceed 30 thousand. Rubles per square meter of floor area.

The interest rate on the loan is reduced: 0.25%, if the initial payment on the mortgage is paid funds to the parent (family) capital, and 0.25% - in the case of a mortgage participant of the federal target program "Housing": young families - participants of the subprogram "Providing housing for young families" and the owner of the state housing certificate member subprogram "Fulfillment of government obligations to provide housing for categories of citizens established by federal law." If the borrower satisfies several requirements at once, put his deductions from the interest rate are summarized. Thus, the total amount of the interest rate on the loan may be reduced by 1.25%.

The ratio of expenses / revenues:


Payment on the loan is not more than 45% of the total income of the borrower.

Requirements to the Borrower (s):

- Russian citizenship,

- Registration of residence / stay in the territory of the Russian Federation,

- Age of the borrower at the time of the loan agreement / contract of the loan must be at least 18 years, and shall not exceed 65 years at the end of the term of the mortgage loan (with the participation of several borrowers loan period is calculated taking into account the achievements of 65 years of age the oldest of the borrowers)

- Work experience in the last place of the borrower and co-borrower must be at least 6 months

- The total number of borrowers, according to one speaker Loan Agreement / Loan Agreement may not exceed three (3) people

Proof of income:

- For employees: Certificate of employment, confirming the amount of income for the last six months, in the form of 2-PIT or in the form of AHML.

- Individual entrepreneurs submitted documents for a period of at least the last 24 months.

Moratorium on early repayment:

A moratorium on the early repayment of 6 months. Commission for early repayment is not

Banks that offer mortgages on standards AHML-building:

Bank ITB
Housing Finance Bank (Zhilfinans)
TATFONDBANK
MDM Bank
ForBank
Novosibirsk Municipal Bank