When choosing a mortgage product, many potential borrowers carefully study the market for banking offers. One of the leading banks in Russia is VTB 24. It has several mortgage offerings in its product line, including a government-backed mortgage loan. Consider what it is, the terms of the VTB 24 mortgage with state support, and other nuances.

Who is eligible for a mortgage?

First of all, I would like to say that a mortgage with state support is a special loan product. According to its terms, some categories of citizens have a unique opportunity to take out a loan for housing on extremely favorable terms for them. Rates for this category of mortgage loans are several points lower than others. On average, rates fluctuate in different banks from 9.1% to 12% per year. Not everyone can become a borrower under the program of mortgage lending with state support, namely, several categories of the population:

• public sector employees;
• families that do not have their own housing, or it does not meet the norm in terms of area;
• citizens who stand in line at local authorities for housing on preferential terms.

If you want to know if you can take part in the government-supported loan program, you need to contact the bank of your choice directly and clarify the requirements of the lender and the list of documents.

The essence of the program is that the state compensates part of the interest to the bank at the expense of its own budget. That is, the borrower pays only one part of the remuneration for using the loan, the rest is paid for by the state. Insofar as the bank is a commercial organization, it cannot reduce the rates on loans for the purchase of housing, otherwise it will incur a loss, and this program makes cooperation between the lender and the borrower mutually beneficial, that is, the bank makes a profit in full, and the client saves money on interest payments.

Mortgage conditions with state support in VTB 24

A mortgage with state support from VTB 24 can only be issued for the purchase of housing in a new building directly from the developer. That is, the borrower can buy ready-made or under construction housing, but only on the condition that a legal entity, namely a developer, acts as a seller.

The interest rate on the loan is fixed, and is valid for all borrowers, 11.4% per year. The minimum loan amount is from 600,000 rubles, for a period of up to 30 years. The maximum loan amount depends on the solvency of the client and is determined by the bank for each of them individually. To purchase an apartment, you will need a down payment of at least 20% of the value under the contract of sale.

Please note that a mandatory condition of the contract is comprehensive insurance of borrowers, namely insurance of the collateral against loss and personal insurance of the borrower.

As for the requirements for the borrower, they are standard, namely, the age of at least 21 years and not more than 70 years at the end of the loan agreement, the presence of a permanent place of work, and registration in the Russian Federation. By the way, in this bank you can get a loan not only according to the 2-NDFL certificate, but also in the form of a bank, which is suitable for customers who receive the bulk of the profit “in an envelope”.

How to get a loan

You can apply at any branch of VTB 24 Bank. To do this, you only need a passport, a salary certificate and a copy of your work book. You can also open the official website and fill out the form there. The terms for consideration of the application can reach 4-5 business days, after which the bank informs the borrower of its decision.

After the bank makes a positive decision, the borrower has four more months to prepare a package of documents and search for a property. By the way, the bank may require additional documents from each borrower. The real estate purchase and sale transaction takes place under the full control of the bank employees, after receiving the title document by the buyer, the home acts as collateral for the loan.

A mortgage with state support from VTB 24 is really a good offer. But the only peculiarity is that the bank makes the decision to issue a loan on its own and may refuse to lend without explaining the reasons. However, you can consult with the bank manager at any time, or find the information you need on the official website of the bank.

Decided to take out a mortgage? Wonderful! On this page, you will receive basic information about the VTB 24 mortgage with state support.

Mortgages are provided by:

1. Persons of any kind of employment. It is given to both public sector employees and entrepreneurs or owners of private businesses.
2. Representatives of various states. It can be taken by Russian citizens, foreigners and stateless persons.
3. Residents of any locality. Registration doesn't matter. You can even live and work in one city, and apply for a mortgage for housing in another locality. Moreover, you do not need to go there, but only indicate your intentions in a statement to the bank.

For VTB 24, it is important that the client meets certain requirements. Let's go to them.

Requirement #1. VTB 24 mortgages with state support can be issued both in youth from the age of 21, and in old age up to 60 years. This takes into account that the mortgage debt must be paid before the age of 75.

Requirement #2. There must be sufficient monthly income to pay the regular fee to the bank on time. The total income of the applicant and guarantors is taken into account.

Not enough income! What to do?

If the amount of your monthly income is not enough to get a mortgage, then take close relatives with high incomes as guarantors. It is allowed to take, in addition to the spouse, two more people.

Requirement #3. The total work experience must be at least 1 year, and the current one (at the enterprise where you work now) - from 6 months (in some cases, it is allowed from 1 month).

Why can you be denied credit?

This can happen if the bank has doubts about the level of income and its stability.

Do you think that the bank is taking risks by giving such conditions? Far from it.

How does VTB 24 protect its money?

It is protected in three main ways.

First way of protection This is comprehensive insurance.

Second way of protection- guarantors. Usually, for a mortgage, the spouse takes the spouse as a guarantor or vice versa. But you can take other close relatives.

Third way of protection- pledge. It is the apartment itself, which you purchased on a mortgage, or other real estate.

In case of loss of the ability to repay the loan, the bank employees first communicate with you and can make a deferred payment. To do this, you need to convince them that you will soon restore your solvency.

But if you no longer inspire the trust of the bank, it will require you to sell your existing apartment and repay the rest of the debt.

How to get a mortgage?

There are three ways:

1. Submit documents on the website: www.vtb24.ru.
2. Apply for a mortgage at a bank branch.
3. Mixed. You apply online. Bring the documents to the VTB 24 branch, where the subsequent processing takes place.

The application form is written on the letterhead of the bank. The guarantor fills out the questionnaire separately from the applicant. The term for consideration of the application is up to 4 days, but usually 1-2 days are enough, which is notified by SMS. As a result, you get a mortgage loan agreement or a loan refusal.

With the online method, the result comes within a day. The receipt of the contract takes place at the bank branch.

Documentation

The applicant and guarantors provide the same documents on their own behalf:

• Russian passport (copy) or international passport (for foreigners).
• Certificate of pension insurance (SNILS). In his absence, TIN.
• Military ID (for those liable for military service).
• Employment book (copy certified by the employer).
• Certificate from the place of work indicating the amount of monthly earnings.
• Employment contract when working part-time (original or copy).
• Tax return for the past year (copy).
• Pension certificate and certificate of the amount of pension (for pensioners).
• Extract from the Unified State Register of Legal Entities (for legal entities).

In addition, you need to take out comprehensive insurance. What does "complex" mean? This is insurance against the following risks:

1. Damage to or loss of property purchased with a mortgage.
2. Responsibility for making loan payments.
3. Restrictions on real estate rights or their loss during the first 3 years after purchase.
4. Deprivation of ability to work or life of the applicant, his guarantor.

The first paragraph is required! You won't get a mortgage without it!

No comprehensive insurance? Then your annual rate increases by 1%: if it was 14%, it will become 15%!

They may additionally require copies of documents, if any:

• temporary registration certificates;
• about education;
• loan agreements;
• certificates of ownership of real estate and personal transport.

In order to confirm your solvency, bank employees have the right to ask for statements from your accounts in other banks.

VTB 24 is worried about getting their money back. Therefore, he tries to get a complete financial picture of the client.

If you are unable to collect the necessary documents, then a mortgage can be issued with an incomplete list of them:

1. Passport.
2. Copy of driver's license or certificate of pension insurance.

But the conditions of a loan with two documents are more stringent. Therefore, try to provide the bank with all the necessary information.

How is a loan calculated?

Possible loan amount:

• Maximum - 200 million rubles.
• Minimum — 500 thousand rubles(for the capital of the Russian Federation - 1.5 million rubles, for St. Petersburg and the Moscow region - 1 million rubles).

These are general mortgages. A bank consultant can calculate a mortgage with state support from VTB 24 and name the maximum available amount for you. For preliminary calculations, an online calculator is provided on the site. Technical support will answer your questions

There are several loan calculation options. First, let's get acquainted with those of them when you have met the basic requirements of the bank: all documents have been provided and comprehensive insurance has been issued. This will be considered the basic calculation system. In this case, VTB 24 provides:

1. Credit rate - 14%.
2. The repayment period is up to 30 years.

Be careful! Specify the conditions at checkout! Yesterday the main interest rate was 11.4%, earlier it was 11%, today it is 14%.

With mortgage lending, VTB 24 provides no more than 80% of the amount of the declared value of the housing planned for purchase.

Please note! Of the money received, you will have to give a fifth to the bank as a down payment!

For your information. The valuation is made by an independent expert and is valid for 6 months! To select a specialist, you can use the list of appraisal companies on the VTB 24 website.

Basic calculation system

By property value. The website calculator shows that you can buy real estate for no more than 30 million rubles. But in fact, you can get a larger loan. This option is considered by bank employees when you apply.

When buying an apartment, you pay the bank 20% of the amount of the loan received. This is called the down payment.

The maximum loan amount depends on the cost of the proposed apartment: the more expensive the apartment, the larger the loan. Examples:

• 1.5 million rubles are given when housing costs 1,875 thousand rubles, and you have an income of 29,622 rubles a month.
• Not everyone can count on 8 million rubles, because the monthly income should be from 157,983 rubles, and it is planned to buy real estate for 10 million rubles.
• If you didn’t find real estate for less than 30 million rubles, then the bank will still not give you more than 24 million rubles. And this is provided that the business brings you almost half a million rubles a month.

By income. Mandatory initial payment does not depend on your income! But if you deposit more, you will get a bigger loan:

• With a first installment of 375 thousand rubles, a maximum of 1.5 million rubles of loan will be given.
• If you give the bank 10 million rubles, then he will thank you with a more solid number - up to 40 million rubles.
• A loan of up to 50 million rubles is provided when you deposit 15 million rubles.

This data is for a 30-year loan. With a decrease in the term, the maximum possible amount also falls: for example, with a 20-year mortgage, it will be 48 million rubles. But the size of the mandatory monthly payment remains.

Preferential conditions of the bank

A preferential rate of 13.5% is provided to persons who receive a salary on a VTB 24 card. The rest of the calculation scheme for beneficiaries remains the same as for other clients.

Mortgage with a minimum package of documents

This is the most unfavorable loan option. It is limited to a period of up to 20 years, the annual rate increases to 14.5%, the initial payment will be from 40%. In addition, the credit ceiling is reduced: for example, with a property value of 10 million rubles, only 6 million rubles (but not 8) are credited.

Buying a home

You can choose an apartment or a house yourself or use the services of real estate offices. The legal purity of the selected property is checked by VTB 24 specialists and representatives of the insurance companies in which you insured.

Having bought an apartment for mortgage funds, you must report to the bank and provide it with:

1. Contract for the sale of real estate.
2. Copies of payment documents.

Where to choose?

You can buy property:

1. At a building under construction.
2. In a new house.
3. On the secondary market.

Of the three options, only an apartment at a facility under construction has a feature. There are investment premiums here, which can be as high as 0.6%! This means that if your rate was 14%, now it will be 14.6%. Each case is individual. Therefore, a bank employee will ask you to provide a certain list of documents about this object.

After the purchase of an apartment and the completion of the construction of the object, the interest rate can be restored to the original level. But this should be taken into account in the mortgage agreement. To restore the rate, contact VTB 24.

Settlement with the seller

To settle with the seller, you can use the services of a bank: it provides the opportunity to pay both in cash and by bank transfer.

To ensure the security of the transaction, the bank offers the lease of a special safe deposit box. You can pay by letter of credit.

Possible costs

When obtaining a loan and buying a property, you must be prepared for expenses that include:

1. Conclusion of insurance contracts.
2. Realtor services (if you hired one).
3. Initial bank deposit.
4. Preparation of documents for the purchase of housing.

Loan repayment

The monthly payment is indicated by the bank, but you can calculate it yourself using the online calculator on the VTB 24 website.

Here are some examples:

1. Calculation type "by income". If you made a down payment of 375 thousand rubles, then with a loan for 30 years and an income of 34 thousand rubles, you need to pay 17,773 rubles a month.
2. The same monthly payment will be for the type calculation "by the value of real estate" if the price of the apartment is 1,875 thousand rubles.
3. But if you raise the cost of housing to 10 million rubles, you will have to pay 360 months (30 years) at 94,790 rubles.

The concept of "state support"

State support for mortgage lending 2019 VTB 24 means that you can use preferential government programs:

1. Maternity capital funds.
2. A property tax deduction, due to which up to 650 thousand rubles are returned (the tax service will compensate you for the 13 percent personal income tax that is withheld from your salary).

If it becomes possible to repay the loan ahead of schedule, then by doing this you will save your money, because there are no commissions here.

Necessarily! Before the early repayment of the debt, inform the bank about this by writing a special application according to the model provided by the VTB 24 branch.

This is the only mortgage program in Russia with such loyal conditions!

State support may include a whole range of measures. This may include compensation of 30-35% of the value of the object or a reduction in the interest rate by transferring funds to a bank account from accounts in the FIU.

In this case, VTB Bank (mortgage with state support) provides a minimum interest rate. It is this program that has become widespread, since it can be obtained at any age.

Interestingly, in VTB 24, not only citizens of the Russian Federation can receive a mortgage with state support, but the lack of citizenship is a serious reason for refusing to issue a loan.

According to this program, it is possible to purchase housing only in new buildings or in apartment buildings under construction. This is due to the fact that the program is aimed not only at individuals, but also at construction companies that build houses with the help of bank loans, so VTB 24 mortgages with state support are not issued for secondary housing.

Thanks to this program, you can significantly reduce the amount of the planned payment and buy a new home faster. However, not all apartments can be bought.

They must be accredited by the state. The list of accredited new buildings is on the official website of VTB 24 state-supported mortgages.

You will clearly see about mortgages in VTB 24 on the video.

Who can apply for this program?

Previously, state support for obtaining a mortgage loan extended only to families where there is a disabled child, one of the parents is absent, or they are recognized as having many children. Today, everyone can receive money from the state. To do this, you must be recognized as in need of better housing conditions.

To be recognized as needing new housing, you must contact the housing department of the district administration. There you will receive advice on what requirements apply to existing residential real estate, what documents are required to obtain a VTB 24 mortgage with state support, and you will also find answers to other questions.

Having received approval from the state authorities, you can safely apply to the bank for a loan to purchase a home.

Obtaining a mortgage in VTB 24, see the video.

Interest rate

The interest rate in this case is fixed. It is 11.4% over the entire term of the loan. However, it can be increased in case of an increase in the refinancing rate by the Central Bank.

The fact is that VTB 24 provides its customers with a loan at the refinancing rate, namely at the price at which it itself is credited to the Central Bank of the Russian Federation. Thus, the loan price for the client cannot be less than this indicator.

Terms of receipt

VTB 24 mortgage with state support, conditions:

• the need to purchase housing in new buildings or in houses under construction;
• interest rate 11.4% per annum;
• lending currency - rubles;
• the size of the down payment is not less than 20%. If only two documents are presented for obtaining a loan, then their funds must be at least 40% of the value of the object;
• maximum loan term – 30 years;
• the minimum amount is 600 thousand rubles, and the maximum is 8 million rubles;
• there are no issuance fees;
• early partial and full repayment is possible from the first month without fines and commissions;
• after the completion of the construction of the facility, life and health insurance of the title borrower is required.

If you decide to take a mortgage at VTB 24, watch the video.

Required documents

To apply for a mortgage the following documents are required:

• passport;
• a second identity document;
• employment history;
• certificate of income in the form of a bank or 2-personal income tax;
• extract from the Unified State Register of Legal Entities (for legal entities);

It is important to understand that this is only a basic document. Their list can expand significantly in each individual case.

However, it is possible to obtain a loan under two documents. But the interest rate will be significantly higher as the bank's potential risk rises.

Watch the video for more details on mortgages.

Loan processing

Initially you need to make an appointment with a loan officer to understand exactly what documents you need to collect, as well as where you can choose housing. After receiving the necessary information, you can start collecting documents.

When all of them are in hand, you can again go to a specialist and fill out an application for a loan.

The application is considered from 3 to 5 business days, but sometimes this period can be extended.

Then you will be invited to the bank to issue a certificate, which states that a loan for a certain amount in a particular branch of VTB 24 is approved. The validity period of the application is also indicated. As a rule, it is 30 days.

It is at this time find a suitable property and give a deposit. After providing the deposit, an agreement is signed, and documents for the property are submitted to the bank.

They are checked by experts, and after the approval of the transaction, they set the date for the issuance of funds to the buyer. They are stored in a safe deposit box until the completion of the registration of the transaction in Rosreestr.

The client must bring the relevant documents within 60 days after receiving the transfer of ownership statement.

You will see a consultation on obtaining a mortgage with state support in the video.

Repayment procedure

VTB 24 has a very convenient mortgage loan repayment procedure. There are quite a few ways.

Simplest - deposit money through an operator at a bank branch. You can also pay through third parties.

But in this case, a commission will be charged, and the term for crediting money varies from 3 to 5 days.

Another option for making payments is through an ATM. To avoid entering incorrect details, it is recommended to issue a VTB 24 card linked to a mortgage account.

VTB 24-online is a convenient payment method if you have Internet access, and also have other bank accounts where funds are periodically received. You can use mobile banking in this case too.

It is important to remember about the possibility of partial or full early repayment of the loan. In VTB, mortgages with state support do not have a moratorium on this, and commissions are not charged.

However, it is necessary to write an application in advance for making a larger amount than stipulated by the loan agreement.

The application indicates the details of the bank branch, the applicant's data, the amount is prescribed, taking into account the amount of the planned payment, which must be debited, and the date and signature are put.

After the write-off is completed, a new repayment schedule must be obtained. With full early repayment, be sure to take a certificate of debt closure in order to avoid possible problems. Also to you you will need to return and cancel the mortgage on the loaned object.

Early repayment of the loan is shown in the video.

Nuances and pitfalls

There are several important nuances in a mortgage with state capital. So, in VTB 24 it is possible to receive some bonuses.

However, they are only available to members of the Collection program.

Bonuses can be exchanged for various gifts, but previously the client had to have a car loan or a consumer loan, and the application must be made through an online bank.

At VTB 24 you can use the funds of maternity capital as a down payment. How exactly to do this you need to check with the loan officer.

Thus, if you want to get a loan for the purchase of real estate using public funds, it is best to contact VTB 24. Here is a high service and a client-oriented model of the bank's development. At the same time, a system of interaction with government agencies has been established, which allows for prompt processing of such loans.

Learn about the Collection program from the video.

Mortgages in VTB 24 are issued in rubles in the amount of up to 8,000,000 rubles, with an interest rate of 11% per annum for up to 30 years. The program "Mortgage with state support" is issued for an apartment, house or room in the primary market.
The scheme of repayment by annuity payments is used.

Opinion on the advantages and disadvantages this mortgage was formed as a result of comparing the services of all banks in Moscow:

• Application processing up to 2 days
• No fees
• Small interest rate
• Large amount without collateral
• Large late fees

Mortgage parameters and conditions for obtaining

Bank - VTB 24 in Moscow A loan is issued for the following types of real estate - an apartment, a house or a room in the primary market Early repayment Without commissions and penalties is possible immediately from the moment it is received

Requirements for the recipient of the mortgage

Acceptable age of the borrower for men - from 21 to 60 years Allowable age of the borrower for women - from 21 to 60 years Citizenship of the Russian Federation - required Total work experience - at least 1 year Experience at the last place of work - at least 1 month

The conditions for obtaining, the rate and the amount of this mortgage are valid only in Moscow. In other cities, the State Supported Mortgage Program may have different conditions.

Income verification documents

in the form of personal income tax - not required

Mortgage insurance

Loss of life and disability; loss (destruction) or damage to the acquired apartment; termination or restriction of ownership of the apartment (during the first three years after the acquisition of the apartment on credit)

Additional Information

When purchasing an object at the construction stage, the interest rate increases by 0-2.5% per annum

When choosing a mortgage lending product, potential borrowers carefully study the market for bank offers, and they consider VTB 24 mortgage with state support to be one of the most profitable products.

VTB 24 has several mortgage offers in its product line, including a loan with state support. Consider the terms of the mortgage from VTB 24 with state support and other nuances of the offer.

Who is eligible for a mortgage?

First of all, it should be noted that a mortgage loan with state support is a special product of the credit market.

According to its terms, some categories of citizens have a unique opportunity to get a mortgage on real estate on very favorable terms.

Rates for this category of mortgage loans are lower than in other offers. On average, in different banks, annual interest rates fluctuate between 9.1% - 12%. Not everyone can become a borrower under a mortgage program that provides for state support.

The opportunity to take a mortgage is available to the following categories of citizens:

• Public sector employees;
• Citizens standing in line for housing on preferential terms;
• Families who do not have their own housing, or if the area does not meet current standards.

The essence of the program lies in the fact that at the expense of its own budget, the state compensates a part of the interest to the credit institution.

That is, in fact, the borrower pays only part of the remuneration for the use of credit funds, the rest is paid for by the state.

Since any bank is a commercial organization, it cannot lower the interest rates on home loans, otherwise the financial organization will suffer losses.

The benefit of such a proposal is that government programs make cooperation between the borrower and the lender mutually beneficial, that is, the bank, with little or no risk, in any case fully profits, and the client saves on interest payments.

Mortgage conditions with state support at VTB 24 Bank

The purpose of a mortgage loan with state support from VTB 24 can be the purchase of housing only directly from the developer in a new building. That is, a bank client can purchase exclusively housing under construction or ready-made housing, but only on condition that the seller is a legal entity, a developer.

The annual mortgage interest rate is fixed at 11.4%. This rate applies to all borrowers. The minimum amount of a mortgage with state support from VTB 24 is 600,000 rubles, the maximum loan term is 30 years.

The maximum loan amount is determined by the solvency of the borrower and is set by the credit institution individually for each client.

To purchase real estate, you will need a down payment, which must be at least 20% of the value of the apartment under the contract of sale.

If we consider the requirements of VTB 24 for borrowers, it is worth noting that they are standard for mortgage offers from other credit institutions, namely:

• Registration in Russia;
• Borrower must be at least 21 years of age;
• The maximum age of the client must be no more than 70 years by the end of the loan agreement;
• The borrower must have a permanent place of work.

By the way, VTB 24 offers to apply for a mortgage not only according to the standard 2-NDFL certificate, it is also possible to apply for a loan in the form of VTB 24, which is the best option for clients who receive the bulk of their earnings unofficially.

How to get a mortgage?

VTB 24 offers three ways to apply for a mortgage:

1. Can submit documents on the official site jar.
2. You can also get a mortgage to the bank branch VTB 24.
3. Mixed. You can submit an application on the VTB 24 website online, then bring a package of documents to the bank branch, where further processing takes place.

The application form is drawn up on the letterhead of the bank. If a guarantor is involved in the transaction, then he fills out the questionnaire separately.

The term for consideration of the application does not exceed 4 days, but usually 1-2 days are enough to make a decision. You receive an SMS notification about the decision. As a result, the client either receives a refusal from the mortgage, or a mortgage agreement.

With the online method of applying for a mortgage, the result of the consideration of the application comes within one day. To receive the contract, the client is invited to the VTB 24 branch.

Documentation

Due to the large size of the loan, it will not be possible to take out a mortgage with just two documents: the applicant and his guarantors provide the following identical package of documents:

• A copy of a Russian passport for Russian citizens or a foreign passport (for foreigners);
• For those liable for military service - a military ID;
• SNILS - certificate of pension insurance. In its absence, a TIN is required;
• Employment book (copy certified by the employer);
• Certificate from the place of employment, which indicates the amount of monthly earnings;
• Employment contract in case of part-time work (copy or original);
• A copy of the tax return for the previous year;
• For pensioners - a pension certificate, a certificate of the amount of pension payments.
• For legal entities - an extract from the Unified State Register of Legal Entities.

In addition, you must take out comprehensive insurance. The concept of "comprehensive" insurance implies mortgage insurance against such risks:

1. Damage or loss of real estate purchased on a mortgage;
2. Responsibility for making loan payments;
3. Restrictions on the rights to the acquired property or their loss during the first three years after the purchase;
4. Deprivation of life or disability of the applicant or his guarantor.

The first item is mandatory, without it, applying for a mortgage at VTB 24 is impossible.

Benefits of state-supported mortgages from VTB 24

Analysts and leading experts identified the following advantages of concluding a loan agreement, under which part of the mortgage payments to VTB 24 is provided with state support:

• Long term mortgage lending - up to 30 years;
• The terms of the loan will please any borrower, since much has been done to protect the rights of the consumer (first of all, this includes a constant interest rate throughout the entire period of debt repayment);
• State material support;
• No need to look for a guarantor, the support of a working wife / husband may be enough;
• The absence of commissions, which are usually charged for the execution of the contract, maintenance and issuance of funds;
• Small work experience of the borrower;
• The interest rate can be changed by VTB 24 only in case of violation of the conditions stipulated by the mortgage agreement - for example, if the borrower did not insure his life.

A state-supported mortgage from VTB 24 is a really advantageous offer, however, its peculiarity lies in the fact that the decision to issue a mortgage lies only with the lender, VTB 24 accepts it solely and has the right to refuse the client without explaining the reasons.

One way or another, you can always consult with VTB 24 loan specialists or find the necessary information on the bank's website.

Also on the VTB 24 website there is a special loan calculator with which you can calculate a mortgage.