Sobinbank: all mortgage options

Mortgage is one of the priority areas of Sobinbank's retail activities. The bank offers a whole line of products developed taking into account the characteristics of specific real estate segments. The package of offers includes loans for an apartment (on the secondary market and in new buildings, as well as on the secondary market with the cost of the apartment/room being sold), for country real estate (a house in a holiday village with a plot of land or a block in a townhouse with a plot of land), as well as for any property secured by an apartment or country property. The bank also has a special project - lending for the purchase of real estate in the Istra Country Club holiday village.

“In essence, each Sobinbank proposal takes into account the interests and capabilities of a specific consumer group. We have significantly simplified for the client the choice of the optimal loan product for him personally,” explains the bank’s approach, Sergei Kostyukov, head of the department of retail business at Sobinbank.

Differentiation of mortgage products allowed the bank to optimize interest rates and, therefore, make them more attractive to consumers. All loans for the purchase of housing are provided for a term of up to 25 years, which allows you to significantly reduce the size of your monthly mortgage loan payments.

“If the client’s choice is an apartment on the secondary housing market, then we have a specific offer with conditions specifically for this segment of real estate: the minimum down payment will be 10% of the cost of housing, the interest rate from 9.75% in US dollars and 10.75 % in rubles. For a new building, our offer: the minimum down payment will be 15%, during the construction stage the interest rate on the loan will be 12% per annum in US dollars and 13% in rubles, and from the moment of registration of the mortgage, clients pay a rate of 9.75% in dollars and from 10 75% in rubles,” says Sergei Kostyukov. In addition, he continues, Sobinbank clients can take advantage of loan offers secured by existing housing - to improve living conditions and for any purpose. For example, a loan to improve housing conditions requires a minimum down payment of 5% of the cost of housing and an offset to the cost of an existing apartment or room. An important feature of this proposal is the delay in the start of loan payments for six months. The bank considered that this is a logical component in situations where a client, buying a home on credit, puts the existing one up for sale. Of course, by providing a six-month deferment, the bank incurs additional risks, but the compensation is quite acceptable for the client: during this period, interest accrual will be one point higher.

Of course, not every potential client is able to independently figure out which program best suits his goal. To navigate loan offers, Sobinbank offers free services of a personal manager. “If you contact a bank, you have the opportunity to receive the services of a personal manager who will carry out the full cycle of the procedure - from the initial consultation to the transfer of funds. You can also receive ongoing advice on all issues related to loan payments. You can apply for a personal manager by phone or on the bank’s website, the service is provided free of charge,” says Sergey Kostyukov.

Obtaining a Sobinbank mortgage product is quite simple, since the bank pursues a “broad coverage” policy, while simultaneously developing and promoting a whole range of sales channels. At the beginning of this year, Sobinbank and the specialized Russian Mortgage Bank introduced a unified line of mortgage products operating throughout the Russian Federation. And you can get a loan not only at bank branches and offices, but also from program partners - regional banks, mortgage brokers, real estate agencies.

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Sergey SMIRNOV