Real estate agency №1 in Russia

The size of the rates may depend on the property type, a down payment, loan term and amount, a way to prove income, type of employment, the presence of children, their age, payroll programme and profession, bank individual conditions, subsidizing rates by sellers. Also, our company’s clients have additional discounts at partner banks, which you can find out more about from our experts.

Typically banks require a down payment of 20%, but there are a number of programs in which the down payment requirement is reduced to 15% and even 0%. There are factors under which the down payment will be higher - type of employment and proof of income, type of real estate, risk ratio of the borrower, and more. We work with 60 partner banks, which allows you to choose from a variety of options the most profitable for you.

Basically, a down payment of 20% is required, in rare cases it can be reduced to 0%. There is also an option to take out a mortgage secured by an existing property. And another possibility of purchasing without a down payment is through individual agreement with the bank, if the property is sold below market value. In each case, there are a number of features that need to be taken into account for a successful transaction. Our specialists will help you choose the best options and conditions.

There is a number of programmes for which only a passport and a personal insurance policy number (SNILS) are required to provide. A standard set of documents: a passport, a personal insurance policy number (SNILS), documents proving income and employment.

Yes, you can submit an application yourself (link to the application form on the website) by filling out the form and attaching your passport and SNILS on our website. To submit a full package of documents, you can contact our specialists and receive approval from several banks remotely.

Banks usually calculate the allowable mortgage payment to 60% of the family's available budget. If you have already decided on the loan amount, then you can navigate the payment amounts in the calculator on our website (link to the calculator), but if you need more accurate calculations, it is better to contact our specialists.

The loan amount is considered individually for each client. The calculation of the available loan amount is influenced by a loan term, a loan rate, the presence of other financial loan and credit cards obligations, alimony, the presence of dependents, and a borrower credit rating. Even a choice of a bank programme can affect the loan amount.
Our experts find a programme based on the most beneficial conditions for you and help you to get an approval amount higher than if you submit documents to the bank yourself.

Before submitting applications to the bank, it is recommended to check your credit history in order to make the correct choice of banks, taking into account their credit history requirements. Even in case of deviation from standard requirements, in a variety of banks there is still an opportunity of individual approval, taking into account all the circumstances. Involving a co-borrower or increasing the down payment can also help with approval. There are many options, thus, it is better to follow recommendations of a mortgage expert to get a positive answer from a bank. The approval rate with us is 20% higher than submitting applications to banks on your own.

Yes, they may. Our experts will help you to find the most beneficial options and advise you on how to simplify the process of applying for a mortgage, to increase your chances of receiving the required amount at a favorable rate.

Yes, you may. Banks consider different types of income, and an application can be submitted even without supporting documents. During an individual consultation, a mortgage expert will inform you on what rules need to be taken into account to get an approval.