Mortgage: the right program, approved without unnecessary rejections
One application submitted to several banks at once, a program matched to your situation, and full support through registering the deal.
We will make a mortgage easier to understand
Call us — we will tell you which program fits and what is needed for approval in your specific case.
9:00 AM to 9:00 PM
every day
What kind of mortgage you can get
Market mortgage
The standard program without a state subsidy — the rate depends on the bank and the Central Bank's key rate.
Family mortgage
A discounted rate for families with children — we clarify eligibility and requirements at the consultation.
Rural mortgage
A reduced rate for buying housing in rural areas and small towns.
IT mortgage
A discounted program for employees of accredited IT companies.
Mortgage Calculator
Estimate your monthly payment and total interest — the quick rate buttons below pull live figures from our partner banks' programs.
- Loan amount
- —
- Total interest paid
- —
- Loan amount with interest
- —
- Loan term
- —
- Estimated required income
- —
assumes the payment stays under 50% of income (a common bank guideline, not a guarantee of approval)
This calculation is for reference only and is not a bank offer. Exact terms depend on the bank, your income and credit history.
Payment schedule
Month-by-month payment breakdown for the current calculation.
| # | Remaining balance, ₽ | Interest, ₽ | Principal, ₽ | Payment, ₽ |
|---|
From application to approval, step by step
Request
We gather basic data on income and the property to see which programs you qualify for.
Bank matching
We submit the application to several partner banks at once, so you choose from real approvals, not calculator rates.
Paperwork
We help gather the borrower's and the property's documents — from an income statement to a valuation report.
Approval
You get the bank's decision along with the rate, term and down payment terms.
Closing
We support signing the loan agreement and registering the mortgage with the USRR.
How to get a mortgage approved without rejection
Banks reject applications more often because of mistakes in the paperwork than because of low income: a miscalculated debt load, mismatched data across documents, a property with a problematic history. A mortgage broker submits the application where the approval odds are highest and fixes what the bank would flag as a risk in advance.
How to choose between family, IT and market mortgages
- Family mortgage — if the family has a child born after 2018; the rate is several times lower than market rate.
- IT mortgage — for employees of accredited IT companies with confirmed employment.
- Rural mortgage — for buying housing outside major cities, including parts of Rostov Region.
- Market mortgage — when no discounted program applies; here the rate difference between banks is especially noticeable.
What documents are needed for approval
The basic package is a passport, an insurance number (SNILS), income documents (a 2-NDFL statement or salary account statement) and the property documents. For discounted programs the bank will also request proof of eligibility — for example, a child's birth certificate for the family mortgage.
Down payment and what to do if it is not enough
The minimum down payment on most programs is 15-20% of the property price. Part of it can be covered with maternity capital or a subsidy — we will tell you which options apply to your case.
How to start applying for a mortgage
Tell us about your situation by phone — we will assess what amount and program you can qualify for, and submit the application to the banks with the best terms.
8 909 440-80-80