Apartment on the Secondary Housing Market

The loan is issued for purchasing flats/rooms in an apartment building on the secondary housing market.

Loan currency: USD/EUR and RUB.
Loan term: 5–50 years.
Minimum loan amount: 10,000 USD/EUR (or its equivalent in roubles).
Maximum loan amount: 80% of the real estate purchase value.

Interest rates in USD/EUR:

Downpayment, % of the housing purchase value	Loan term
Downpayment, % of the housing purchase value	Up to 7 years	Up to 15 years	Up to 25 years	Up to 50 years
more than 40%	from 9.10	from 10.10	from 11.10	from 11.35
more than 20% but less than 40% (inclusive)	from 9.85	from 10.85	from 11.60	from 11.85

Interest rates in RUB

Downpayment, % of the housing purchase value	Loan term
Downpayment, % of the housing purchase value	Up to 7 years	Up to 15 years	Up to 25 years	Up to 50 years
more than 40%	from 13.60	from 14.00	from 14.50	from 14.60
more than 20% but less than 40% (inclusive)	from 14.10	from 14.35	from 14.85	from 15.10

For borrowers whose income is confirmed by a personal income certificate issued by the employer according to the bank form, the interest rate will increase by 1.0% for all currencies, loan terms and initial contribution amounts.

For borrowers being business persons without forming a legal entity or being corporate members (shareholders), the interest rate will increase by 1.5% for all currencies, loan terms and initial contribution amounts.