Which bank is better for taking out a mortgage? Where is the lowest mortgage interest, which bank? These and many other questions are asked by those wishing to acquire housing. The Rusipoteka Information Center regularly monitors the mortgage market. By analyzing the rating of banks by the total amount of mortgage loans, their number and how much the volume has decreased, a thoughtful reader can determine where the most profitable mortgage is. Which bank from this top 10 to take a mortgage is up to you.
10. "Absolut Bank"
Rating of mortgage banks 2016 starts "Absolut Bank" - one of the commercial banks operating in the Russian Federation. The main shareholder of the bank is NPF Blagosostoyanie, a non-state pension fund, the brainchild of Russian Railways. In the first half of 2015, the bank issued 1,242 mortgage loans for a total amount of 2,565 million rubles.
9. "Revival"
One of the largest commercial banks in Russia in the first half of the year provided 1,256 mortgage loans with a total amount of 2,970 million rubles. The total volume of loans compared to 2014 decreased by 43%.
8. Bank "Zhilfinance"
The bank belongs to the PIK group of companies engaged in the construction and restructuring of real estate, and the very name of the bank speaks of its specialization - mortgage. The rating of banks claims that 1,896 loans were issued for a total of 3,800 million rubles in six months, while their volume decreased by 23%.
7. "Bank Saint Petersburg"
The Northern Capital Bank experienced a 47% decrease in the volume of issued loans, and issued 2,249 loans for a total amount of 4,070 million rubles, which is half of the next place in the rating.
6. Gazprombank
Although Gazprombank is considered one of the the most reliable banks in 2016, the volume of issued loans fell more than others - by as much as 73%. Interestingly, if in the first half of 2015, 3,375 mortgage loans were issued (which is half the next place in the rating), but in terms of the total amount of loans issued, Gazprombank is only 15% behind the fifth place.
5. "Rosselkhozbank"
Founded by direct decree of the President of the Russian Federation to serve the agricultural industry in Russia, Rosselkhozbank issued 7,015 mortgage loans in the amount of 9,256 million rubles. However, the volume of issued loans fell by 38%.
4. "Bank of Moscow"
The main shareholder of the Bank of Moscow is the semi-state association VTB Bank. The decrease in the volume of issued loans is relatively small and is second only to DeltaCredit Bank - only 15%. In the first half of 2015, 5,335 loans were issued for a total amount of 10,244 million rubles.
3. DeltaCredit
The third place in the rating is occupied by the largest commercial mortgage project - DeltaCredit, which has been successfully operating in Russia for more than 18 years (the international financial corporation Soci? T? G? N? Rale is one hundred percent shareholder of the bank). Alas, the reputation of the bank is somewhat spoiled by the fact that since 2007 mortgage loans in foreign currency have been imposed on Russian clients - to the detriment of the legislation of the Russian Federation, which caused massive protests in 2014. However, the decrease in the volume of loans issued by the bank is the smallest in the rating - only 13%. Despite what happened, customers continue to trust him.
2."VTB 24"
In second place in the rating of mortgage banks in 2016 was another semi-state company - VTB 24 Bank, the leading shareholder of which (through VTB Bank) is the Central Bank. In terms of the total number of deposits and loans, it is second only to the first place in the rating. Despite a 50% drop in the volume of loans issued, in the first half of last year, 38,326 mortgage loans were issued in the amount of 72,409 million rubles.
1. "Sberbank"
The best banks for mortgages are headed by Sberbank. The result was predictable: Sberbank has long and firmly won the people's trust. In the first half of 2015, 197,731 mortgage loans were issued with a total amount of 304,302 million rubles, which is more than three times higher than the indicators of the second place in the rating. Compared to 2014, the volume of issued loans fell by a quarter - a significant figure, but still not too large.