Is it possible to get a mortgage online. Application for a mortgage in a savings bank online. Can i apply for a mortgage online

Mortgages are one of the most demanded loan products. Making a home loan is a long-term undertaking that requires a lot of time and effort 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 application for a mortgage is an electronic form that a potential borrower fills out and sends for consideration to the bank via the Internet.

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

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

The disadvantages of online applications include:

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

The listed disadvantages are rather arbitrary, since the borrower can find out all the controversial issues over the telephone. Therefore, applying for a mortgage via the Internet is fully justified and advisable.

Nowadays, many banks offer the opportunity to apply for a mortgage loan online. This service is interesting for both new borrowers and regular clients of financial institutions. The online application service is available in many banks in Russia.

Sberbank- online application submission and preliminary approval of loan conditions.

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

• submission of the "Express questionnaire" - brief information is displayed. The bank consultant informs further actions by phone;
• preparation of the "Full Questionnaire" and attachment of the package of documents in a 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:

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

A detailed online mortgage application form is provided in AK Bars Bank... All borrowers can count on obtaining a loan via the Internet, regardless of the presence of a bank salary card. V UniCredit Bank and RaiffeisenBanke online, you can send an application for a preliminary consultation on a mortgage loan.

V Rosselkhozbank,Alfa Bank, Bank of Moscow, Promsvyazbank, Rosbank and Credit Bank of Moscow a mortgage application form is submitted via the Internet. Clarification of questions on the financial condition of the borrower / co-borrower, the real estate object takes place over the telephone.

V BankSaint Petersburg the service of registration of a home loan online is not provided. Here you can only apply for a preliminary calculation of the mortgage. Bank Russia has not yet developed an online mortgage application service. The borrower has the opportunity to familiarize himself with a questionnaire on the bank's website, which will need to be filled out at the office of the financial institution.

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

1. Russian citizenship.
2. Permanent / temporary registration.
3. Borrower age - from 21 years (some banks agree to get a mortgage if the client has reached the age of 18).
4. At the time of 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 independently pay more than 50% of the initial payment, then he can get a mortgage without additional security (surety). 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 found in the section "Individuals" - "Loans" - "Mortgage Lending".

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).

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

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 held and work experience;
• officially confirmed income (in some banks, when calculating a mortgage, the borrower's unofficial income may be taken into account);
• availability of a salary card from the lender's bank;
• total family income.

3. Information about the property:

• the property;
• vehicles;
• deposits.

4. Information about family expenses:

• current liabilities to other banks;
• tuition / child support costs.

5. Parameters of the requested loan:

• the amount of the mortgage;
• an initial fee;
• property value;
• loan maturity.

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 assess the reliability and solvency of the borrower from the data of the loan application.

When submitting an application, one must take especially seriously the item on income, since it is the financial condition of the borrower that plays a decisive 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 estimated period of the form is 6 months / 1 year (depends on the requirements of the bank). If the borrower receives wages for the "plastic" of the creditor bank, then in the application it is enough to indicate the card details.
2. Help on Form 3-NDFL. This document is provided by notaries and lawyers in private practice.
3. Free form income statement. The document is issued by the accounting department of the enterprise with a mandatory head visa. 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 tax return signed by the tax inspector.
5. An agreement for the lease of real estate or vehicles owned by the borrower.
6. A deposit agreement, which indicates the amount of monthly payments of interest 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 security, preferably - real estate or vehicles.

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 initial payment. Clients who are ready to pay 50% or more of the cost of the purchased housing on their own are better off choosing special programs with a preferential interest rate. If the borrower has no money, or the size of his own investment is less than 20%, then you can get a mortgage with additional security. It can be other real estate, vehicles or a guarantee of a solvent co-borrower.
2. Interest rate. The settlement rates for mortgages in many banks are similar. However, some financial organizations are ready to make concessions to the "preferential" categories of borrowers and reduce interest on loans by 2-3 points.
3. Repayment schedule. This parameter is especially important for entrepreneurs with seasonal businesses. It is necessary to find out in advance whether the bank provides "credit holidays" and how this service will affect the cost of the mortgage.
4. Mortgage related expenses. A small rate on a loan can be "compensated" by comprehensive insurance, a commission for the issuance / registration of a loan, and monthly payments for servicing a mortgage.

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 on the official website of each of the banks that issue housing loans.

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

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

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

An example of calculating a mortgage... 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%). Official monthly income - 50,000 rubles. The client receives a salary on the card of the Rosselkhozbank, and plans to apply for a mortgage in this particular 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 section "Individuals" - "Loans" choose a suitable mortgage program. In this case: "Home mortgage lending".
3. On the page with the mortgage conditions 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 - 2,400,000 rubles. (missing cost of housing);
• initial 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. Assess the results obtained.

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 RUB 2,538,000), then the repayment period can be increased to 20 years and recalculated.

The results of the calculations show that the borrower will be able to issue the requested mortgage (2,400,000 rubles) for a period of 20 years at 19% per annum. The settlement rate increased by two points due to the extension of the maturity period (risks for the bank increased). In this case, the monthly payment will be almost 39,000 rubles.

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

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

Differentiated repayment- the main debt is distributed in equal parts, and the interest decreases every month. From the point of view of economy, 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 repayment method, you need to calculate the mortgage and evaluate the result of each of the options.

The difference in repayment can be seen from the calculations using the parameters of the previous example (the loan amount is 24,000,000 rubles, the initial payment is 20%, the term is 240 months, the income is 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 (38897 rubles) is more acceptable for the client than for a differentiated one (48000 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 can be overwhelming for the borrower, and lead to delinquencies. It is better to play it safe: choose a more convenient and “loyal” annuity payment method, and, if possible, close the loan ahead of schedule.

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 filing of the application, it is advisable to send scanned documents to the bank, which are necessary for registration of the 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 first of all. Even if the borrower is solvent, but had problems with paying off previous loans, the chances of getting a mortgage are sharply reduced. In order to "save" the situation, you can attach supporting documents to the application (certificates from the hospital, documents confirming the change of work / forced large expenditures).

Carefully fill in all the fields of the form below, be sure to indicate the phone number by which you are always available, then the banks will contact you as soon as possible and advise on all issues of obtaining a home loan.

Online mortgage loan application- this is the only way to obtain the preliminary consent of the bank to arrange a loan without a personal visit to its office. In addition, by filling out a questionnaire on the website of the financial institution, in which preliminary applications are analyzed automatically using scoring, you can get a decision on the loan after a couple of minutes.

Mortgage application to all banks - online loan selection

An online application for a mortgage loan is a service available on the website of many domestic banks, the main purpose of which is to simplify the procedure as much as possible and shorten the loan processing period. More convenient than this option is only an application for a mortgage to all banks - an online questionnaire, after filling out which you will receive a number of advantageous offers from all financial institutions interested in you as a client.

Since the cases of obtaining loans in someone else's name have become more frequent, potential borrowers should in no case fill out online questionnaires, in which it is necessary to indicate the details of the passport. The only exceptions are the official websites of banks, but in such cases it is worth exercising some caution, as there are also fake web resources. Note that when you send an application for a mortgage to all banks online on the site, you do not need to indicate your passport data, so you can not be afraid of disclosing confidential information about yourself and unpleasant consequences in the future.

With the help of an online application for a mortgage loan, completed on our website, a potential borrower can minimize the time spent looking for the best offer, that is, programs with the most optimal conditions specifically for him.

You can apply for a mortgage to all banks online at any time, regardless of the day of the week. The decision is made quickly - if the online application for a mortgage was sent on a working day, then it is quite possible that in a couple of hours you will receive information from potential lenders.

An application for a mortgage to all banks (online questionnaire) is filled out in just a couple of minutes - sending it is free and does not require registration on the site.

How to apply for a mortgage online

To send mortgage applications to all banks online mode, you must indicate your full name and age, contact information, length of service and place of work, the region of applying for a loan and the amount of monthly salary, as well as the desired term / amount of the loan and the first installment that the client is ready to repay.

Online applications for a mortgage loan are redirected to financial institutions, which carefully study the information about the borrowers and the parameters of the loans they have requested. The number of financial institutions receiving applications includes a competent credit broker and many of the banks represented on the domestic market.

Based on the data from the questionnaire, representatives of financial institutions select a number of programs within which a potential borrower can apply for a home loan. Information is sent to the e-mail of the user of the service, if he indicated its address in the application. If only a contact phone number was left, then credit managers will contact the client personally to outline on what conditions and where you can get a loan with the requested amount, maturity and down payment.

Please note that when filling out an online application on our website, information about work and salary is indicated, so you will not be disturbed by representatives of banks who are obviously not ready to lend to borrowers with your work experience or income level.

Mortgages are the most difficult type of lending, which involves high costs and terms. If you decide to take a mortgage in Moscow, you should carefully consider the choice of an offer from one of the banks in the capital. Choose.Ru has selected the most profitable mortgage lending programs and collected them on one page so that you can evaluate them without wasting time searching and visiting bank branches.

Alternatively, you can apply for a mortgage online. Many banks in Moscow have long offered their clients the opportunity to apply for a loan via the Internet. This greatly simplifies the process of obtaining a mortgage: you can get a preliminary loan approval while collecting the necessary documents.

To apply for a mortgage online, review the offers presented on the page and evaluate their benefits. For you, we have indicated the minimum loan amount, term and rate, and also listed the benefits of each program.

Before making a decision, calculate your payment schedule using our mortgage calculator. Click on the "Detailed calculation" button. On the page that opens, in the appropriate fields, enter the amount and loan term you need. In accordance with the terms of the loan, the system will calculate a payment schedule for you, which will indicate the amount of monthly installments, divided by the principal and the amount of accrued interest.

To apply for a mortgage, click on the "Apply" button in the product card. You will be redirected to a page with a form to fill out. You will need to enter the following information:

• Personal data, passport data,
• Employment information - name of the organization and TIN,
• Income amount,
• Credit history information,
• The parameters of the desired mortgage are the loan amount and term.

The online mortgage application is the basis for the bank's preliminary mortgage decision. Before sending an application, be sure to make sure that you meet the conditions that the bank puts forward to the borrower. You must match in terms of age, registration, earnings level, seniority, etc. All these requirements are stated in the card of each product on Vyberu.Ru. The application will be rejected if it does not match.

The completed application will be sent to the bank for consideration. An employee of the organization will contact you within 1-7 days to clarify the information, report the result of consideration of the transaction and, if you have received approval, discuss the details of lending and the further scheme of your actions.

What is an online mortgage application?

An online mortgage application is an online version of a standard mortgage application at a bank. You can fill it out at home or at work, from a computer or mobile device, after carefully reading the terms of the loan and thinking everything over calmly. Online applications are usually processed faster than at bank branches.

How do I apply for a mortgage online?

Having chosen a profitable loan on Vyberu.Ru, you can proceed to the registration of the application by clicking the "Details" button in the product card. You will be taken to the page for registration of the application. There you will need to enter the amount you are interested in, the term and the initial payment of the mortgage, as well as your personal and passport data and contacts for communication. You also need to consent to the processing of data.

What is special about the online application?

Efficiency of submission and decision-making are the main features of an online application. You can stay focused on important matters: you can find a mortgage on Vyberu.Ru, and apply for it immediately on the bank's website. This will save you time and effort that you might have spent at a bank branch. In addition, no one forbids you to change your mind - you can refuse the loan if you are no longer satisfied with the conditions or you have found a better offer.

Which bank can I apply for a mortgage?

The development of Internet technologies is forcing banks to move on, and more and more credit organizations offer their customers the opportunity to obtain a mortgage loan online, bypassing the queues. However, it is still difficult to find a truly profitable loan. This will help Vyberu.Ru. By selecting the “Online Application Opportunity” checkbox on the left side of the screen, you will receive a complete list of mortgage products that you can apply for online.

Can I apply to all banks at once?

You can. This will increase the chances of your application being approved - if one lending institution rejects you, it is likely that another will approve. To do this, you need to go through the list and fill out a questionnaire for each proposal. If you are approved for a mortgage in several banks at once, you can refuse those banks in which the conditions, in your opinion, are less favorable.