What is UniCredit Bank mortgage loan?
- mortgage programs under which you can:
- purchase property in the primary or secondary real estate market;
- purchase a land plot;
- build your own house;
- take a mortgage loan for renovations in your apartment;
- raise a mortgage loan for any purpose;
- opportunity to become an owner of the real estate purchased;
- payment for your own apartment/ house instead of renting accommodation;
- security of real estate transactions: the real estate itself and all related documents are audited by the Bank and an insurance company;
- the mortgage program allows a tax abatement: your expenses under 2 million rubles for purchasing real estate and interest rate payments are deducted from your income before tax amount;
- and also a chance to get certificates for purchase of furniture from Ronikon.
Advantages and Terms of UniCredit Bank Mortgage Loans:
- maximum loan amount: RUB 30,000,000/ USD 1,000,000/ EUR 660,000;
- loan period: up to 30 years (15 years under the program of non-purpose mortgage loans);
- minimum down payment: 20%* of the apartment value;
- no Russian Federation citizenship or registration in the region of purchase required;
- aggregate income of both conjoints and nearest relatives as well as the borrower's additional income may be considered;
- mortgage loans to secure complex property transactions, such as counter transactions, alternative transactions, etc.;
- no real estate agent participation in mortgage loan processing required;
- confirmation of income in a free form document is possible.
* for ruble loans
If you take a UniCredit Bank mortgage loan you DO NOT NEED TO PAY for:
- application processing;
- opening and maintaining loan accounts;
- cash withdrawals from your account for the loan use;
- prepayment of the loan.