What documents are needed for a Rosselkhozbank mortgage: registration 2022

Supporting the regions is one of the priority areas of the state’s social policy, due to the massive outflow of residents of villages and villages to large cities. Rural mortgage of Rosselkhozbank in 2021 is a lending program with state support and subsidized interest rates, which allows you to purchase real estate in the provinces with a minimum overpayment and on preferential terms. The bank offers attractive rates, is loyal to potential clients and reviews applications within 5 business days.

Basic documents

To approve a mortgage, the lender needs to obtain information about the citizenship and place of residence of the potential borrower. Only citizens of the Russian Federation with an officially registered address of their place of permanent (temporary) residence have the right to apply for money. Instead of a civilian passport, military personnel present an identity card.

For your information! Men under 27 years of age inclusive confirm their status taking into account the requirements of the legislation of the Russian Federation for military service.

To assess the ability to repay a mortgage, Rosselkhozbank specialists check the financial solvency. It is necessary to ensure that the client can repay the debt in accordance with the approved time schedule. A normalized reserve (≈60%) for other mandatory costs is implied. If your own income is not enough, a co-borrower is involved. You will need data for the following items:

employment;
wage level;
availability of other permanent official income.

Marital status is of some importance. Spouses become owners of jointly acquired property, so the mutual participation of husband and wife is required to obtain a mortgage at Rosselkhozbank. An exception is the presence of a marriage contract with a special scheme for the distribution of property.

The state, according to special rules, protects the rights of minor children. Additional obligations for the borrower arise if maternity capital funds are used. A child cannot be evicted without providing similar (better) living conditions, so the sale of mortgaged real estate for forced repayment of the debt is difficult. Taking into account the noted nuances, the lender needs to be informed about the composition of the family.

The list of documents is adjusted taking into account the requirements of Rosselkhozbank for a specific mortgage program. What documents are provided:

completed application;
civil passport (other identity document);
marriage certificates, birth certificates of children;
employment history;
certificate 2NDFL;
a certificate of income and work experience in the standard form of the Russian Agricultural Market (if the income is “gray”);
information about additional regular receipts.

Download the mortgage application

For your information! Download the application form and income certificate.

Based on the points stated in the application, the creditor has the right to demand additional information on the following items (examples):

receiving income from rental property;
spouse's salary;
availability of other real estate and vehicles;
participation in trials.

Income from activities using personal subsidiary plots is confirmed by a certificate from the local municipality’s accounting journal. This document is provided instead of a standard salary certificate.

After a positive response, to obtain an approved mortgage from Rosselkhozbank, you will need health (life) policies for the main recipient of the loan and approved co-borrowers. This requirement is optional. However, if there is no insurance, the standard rate increases by 1%. Additionally, the consent of the guardianship authorities may be required.

Contents of the statement.

The application form for a mortgage loan consists of the following sections:

Role in the proposed transaction. You need to check the box corresponding to the status - borrower, co-borrower or guarantor, degree of relationship with the main borrower (if filled out by another person). The applicant’s full name and date of birth are also indicated here (for co-borrowers and guarantors).
Information about the subject of the mortgage (collateral). The estimated cost of residential real estate, its address, and the developer when purchasing housing under construction are written down.
Other relevant information. This implies indicating information about the use of maternity capital and its amount and other social payments.
Personal Information. Full name, date and place of birth, citizenship, information about change of surname, and level of education are indicated.
Documentation. The section is devoted to data on an identity card (passport of a citizen of the Russian Federation or a military serviceman's ID), as well as SNILS, TIN, foreign passport and driver's license.
Contact information – phone numbers and email address.
Registration address.
Address of actual place of residence.
Information about work: information about the type of employment, about the employer, about the position, about work experience, including the last place for the last 5 years.
Marital status indicating the presence of children. The borrower and co-borrower report the presence or absence of a marriage contract.
Spouse information. Full name, date of birth and contact phone number are entered.
Information about relatives who work or have taken out loans from the bank in question.
Income information. It is necessary to indicate the type of document confirming income, as well as describe the average monthly family income by category.
Information about expenses - outstanding loans, utility bills and other mandatory payments, court deductions, etc.
Information about property and other assets. We are talking about movable and immovable property owned, as well as bank accounts.
Other information. This section is devoted to additional information necessary for a full consideration of the application. Here it is necessary to note the presence of disability, the bankruptcy procedure, the source of the down payment, and so on.
Providing information about credit history and consent to the processing of personal data. The applicant’s signatures, dates of completion, and personal data are placed in the required places on the established form.
Other consents and acknowledgments. Permission is given to conduct verification activities against oneself, take photographs, carry out actions related to insurance, etc.
At the bottom of the form there is a section for marking and acceptance of the document by a bank employee.

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Documents on the loaned object

The general principle is that the property must correspond in value to the requested amount. Taking into account possible changes in the market, the lender’s corporate standards approve the required reserve. For non-target programs, the calculation takes 50% of the price based on an expert opinion. This document is entrusted to be prepared by professional performers approved by Rosselkhozbank. Its validity is limited to six months from the date of preparation.

As part of the standard scheme, in order to obtain a mortgage, you must provide information about the status of the property and the technical parameters of the item of purchase (collateral). This problem is solved using an official extract from the USRN database in an expanded form. The document is valid for a month from the date of filing an application for a mortgage with Rosselkhozbank. It specifies:

identification data of the property;
area, number of rooms, number of storeys;
equipped with engineering communications;
the presence of other owners, court injunctions and other encumbrances.

The loan is not issued if the building is intended for planned (emergency) demolition. The parameters of a private house are considered separately. In such buildings, the integrity of the foundation and load-bearing frame, and the stability of the soil are checked. If necessary, a repeated or expanded construction examination is performed.

For the purchase of real estate

If a mortgage is issued for the purchase of an apartment (townhouse, private house with land), the following documents are submitted to Rosselkhozbank:

purchase and sale agreement (donation, privatization), other confirmation of receipt of property rights by the seller;
an extract from the Unified State Register of Real Estate with a technical plan;
expert opinion on market value
a certificate from the registration department of the Ministry of Internal Affairs about registered residents (valid for 1 month);
consent certified by a notary to pledge property (if the spouse is not included in the official co-borrowers).

For construction according to DDU

When working with this scheme, the bank additionally checks the developer, since guarantees are needed for the successful completion of the project for the construction of a new building. In addition to an extract from Rosreestr, you must provide copies of the following documents:

confirmation of ownership rights (long-term lease) of the land plot;
official permission for the construction of a real estate property;
standard project declaration.

You also need to prepare a sample share participation agreement. The consent of the husband (wife), certified by a notary, is transferred if the second spouse is not registered as a co-borrower according to the standard procedure.

For the construction of a residential building

In accordance with the reference data posted on the official website of Rosselkhozbank, the issuance of a mortgage for construction is subject to the provision of the following documents:

title agreements for a land plot;
extracts from the USRN database with the cadastral number and boundaries of the corresponding territory;
building permits;
cost estimates and agreements with the contractor.

However, at present there are no targeted products for obtaining such a loan at the Russian Agricultural Bank. It is acceptable to finance the purchase of a land plot or shared construction at a rate of 9%.

A non-targeted loan is offered for civil works, restoration, installation of engineering systems and other activities. In this case, the rate increases (from 10.7%), but the money received can be used at your own discretion. To agree on a large amount, the bank issues other real estate as collateral. For this object you need to prepare a standard set of documents:

legal contract or other agreement;
an extract from the Unified State Register of ownership and absence of encumbrances;
consent of the spouse (guardianship authorities) to transfer property as collateral.

Requirements for the borrower

Rosselkhozbank is ready to provide loans secured by finished or under construction real estate only with citizens of the Russian Federation. In addition, it is necessary that future borrowers be registered in Russia at their place of residence or, in extreme cases, at their place of stay.

The bank also imposes restrictions on the age of the borrower. The potential client must be 21 years old at the time of concluding the loan agreement. And at the time of full repayment of the loan (expiration of the loan agreement), the borrower must not yet be 65 years old. Rosselkhozbank will refuse mortgage loans to younger and older clients.

With regard to length of service, the bank looks at the situation differently in different cases:

If the potential borrower runs a personal subsidiary plot (LPH);
If the potential borrower does not run private household plots.

For clients of leading private household plots, it is mandatory to present an extract from the household register of private household plots. The extract is issued by the local government body at the place where the subsidiary farm is run. The extract must confirm the conduct of such a household for a period of at least one year before applying for a loan. In the absence of this statement, RSHB reserves the right to refuse a loan.

If we are not talking about accounting for income from a subsidiary plot, then the bank requires a permanent job, at least six months of experience at the current place of work, and at least one year of experience over the last five years.

If at the time of submitting the application the client receives a salary into an account at the Russian Agricultural Bank, then the requirements for experience are reduced; three months in the current place and at least 6 months of total experience over the last five years are required.

And if a potential borrower receives a pension into an account at the Russian Agricultural Bank, then he is not subject to the requirement to have a whole year of experience within 5 years.

For a mortgage using two documents

In the simplified version, you do not need to provide employment information from your place of work or confirm official income. In addition to the completed application, the bank provides:

civil passport (military identification card);
pension insurance certificate or other second document for personal identification.

At the same time, if there is a marriage relationship, the following is additionally transferred:

spouse's civil passport;
consent to receive a mortgage from Rosselkhozbank or an agreement on the division of property rights;
documents on the loaned object (requirements are discussed in previous sections of the publication).

After the loan is approved, insurance policies are issued according to the standard scheme. The real estate pledge is registered. The period for consideration of an application under this program has been increased to 10 working days (5 is the basic standard). In addition to increased interest rates (from 10.7%), one should take into account increased requirements for the down payment (40-50% of the cost).

Conditions

Such a mortgage can be taken out by a citizen of the Russian Federation for the purchase or construction of housing in territories, the list of which is approved by the authorities.

The main parameters of the loan are as follows:

2.7% per annum (3% in the absence of life and health insurance for borrowers).
The down payment amount is at least 10% of the total cost of housing.
The lending period is from 1 to 3OO months.
Amount from 1OO LLC to 3 LLC LLC rub. (up to 5,000,000 rubles for the Leningrad region and the Far East).
The object of the pledge is the purchased housing.
The number of borrowers is limited - no more than three.
Insurance of the collateral is required.

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According to maternal capital and the “Young Family” program

What documents are needed to approve a mortgage at Rosselkhozbank can be found in the following list:

an application filled out in accordance with the approved form;
civil passport (other identity document);
military ID (registration certificate) for men under 27 years of age;
marriage certificates, birth certificates of children;
certificate of work experience and official income;
certificate of the manager of state support funds under the maternity capital program (certificate);
information from the territorial division of the Pension Fund of the Russian Federation on the balance of allocated funds.

For your information! Money received under the maternity capital program must be transferred to pay off debts no later than three months from the date the loan was issued.

To defer interest payments and partially repay the loan, no additional documents are required. But citizens under 35 years of age have the right to take advantage of this benefit. It is enough for only one of the spouses to meet this criterion. An additional condition is that the loan is issued when the child is no more than three years old.

Refinancing

Using this banking product, you can repay the issued loan by obtaining a new mortgage at Rosselkhozbank. Additionally you need to provide:

a valid contract with annexes;
information about the balance of debt.

A certificate about the current status of settlements with the creditor is valid for 30 days from the date of registration. This document must contain the following information:

number and other identification data of the mortgage agreement;
total amount (currency);
interest rate, payment schedule;
debt repayment period;
accrued debts, including fines and penalties for late payments.

After Rosselkhozbank issues a mortgage, it additionally transfers (maximum period, calendar days):

certificate of repayment of all debts (30);
confirmation of registration of a new lien in favor of RSHB (45).

When refinancing a military mortgage, at the stage of consideration of the application, you must submit a valid loan agreement to Rosselkhozbank, which confirms participation in the state program of targeted financing with a minimum period of 36 months. The certificate with current data on debts provides information about the organization authorized to carry out settlements.

Mortgage with state support at a rate of 4.7%

This preferential loan product was created on the basis of the state support program approved in the Russian Federation Regulation No. 1711 dated December 30, 2017. Through the special organization DOM.RF, banks are compensated for lost profits from interest rate reductions. The basic condition is the birth of the second or next child in the period from 01/01/2018 to 12/31/2022.

The list of documents meets the usual requirements. A note is made in the application about the desire to obtain a mortgage with a reduced interest rate. Of course, it is necessary to confirm compliance with the mentioned conditions with birth certificates.

A Rosselkhochbank mortgage with state support can be used to reduce the financial burden on a previously issued loan. For this purpose, a refinancing mechanism is used. If the loan was received from another organization, provide the RSHB with documents according to the list discussed in the previous section. Additional information about the state program to support large families is presented in the thematic publication of our website.

Features of lending at Rosselkhozbank

Mortgage loans from Rosselkhozbank within the framework of the program with a subsidized rate are provided only for targeted needs - the purchase of finished or under construction housing, land for individual housing construction in rural areas and agglomerations. The decision on the application is made not only by the bank that verifies the borrower, but also by the Ministry of Agriculture - it is the department that is responsible for providing the subsidy.

Funds are issued only in branches - delivery or a completely remote format of interaction is not provided. However, this does not cause difficulties for potential borrowers - the bank has offices even in cities with a small population. There are also numerous ATMs and self-service devices, there is a mobile application, Internet banking, and a 24-hour support service - it is convenient to service and repay a loan.

Apply for an insurance policy online

All mortgage products require mandatory insurance of the collateral. The policy is issued for the entire loan term. This document prevents the financial risks of the lender (borrower) in case of damage to the property.

It is recommended to take out health and life insurance to keep your interest rate as low as possible. Additional guarantees will help eliminate problems in the event of death (disability). A specialized calculator is useful for performing verification calculations and applying for a policy online with a 15% discount:

conclusions

The publication talks about what documents need to be collected to obtain a mortgage from Rosselkhozbank. Main conclusions:

preparation is planned taking into account the characteristics of a specific loan product;
To clarify current requirements, you can visit the nearest branch or make a written request;
real estate insurance is a standard requirement when applying for a mortgage;
documents are provided in good condition (without marks, corrections, or other defects);
if damage prevents unambiguous identification of data, it is necessary to restore the text using an archive copy;
if necessary, the responsible bank employee may request additional documents;
If filling out is difficult, please contact the information support service.

Life (health) insurance should not be neglected. In addition to reducing interest costs, these guarantees minimize financial losses in difficult situations. Policies are issued in favor of the lender as the first beneficiary.

The necessary additional information about documentary support for loans is presented in the materials on our website. To solve complex problems, contact the duty lawyer. Don't forget to like, repost, and leave comments. Use the subscription to quickly receive topical news.