Кредит под залог недвижимости — условия 2026

A real estate-secured loan is a way to obtain interest-bearing funds from a bank. It differs from a standard loan in its larger amount and longer term. While an unsecured loan can typically be obtained for up to 5 million RUB for a term of up to 7 years, pledging real estate can make up to 30 million RUB available to the borrower for a term of up to 30 years.

Features of obtaining a real estate-secured loan

A real estate-secured loan has numerous advantages over a standard loan. Among its features, we can highlight the following:

• a lower interest rate—due to the presence of collateral, the overpayment on such a loan is significantly lower;
• a larger loan amount—on average, banks can approve up to 70% of the value of the collateralized real estate;
• a longer loan term—a real estate-secured loan can be arranged for a term of up to 30 years, depending on the bank's terms;
• the requirement for property insurance—the borrower is obliged to insure their property annually until the loan is fully repaid;
• restrictions on the use of the real estate—until the loan is fully repaid, the borrower cannot sell, gift, or exchange the property;
• the risk of losing the property—if the borrower fails to make loan payments, the bank will be able to foreclose on their property.

Which banks can you apply to for a loan

You can apply for a secured loan at almost any bank that provides retail lending. However, the best interest rates are offered by the following credit institutions:

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Offer

Min. amount

Max. amount

Rate

Term

Rating

Home equity loan at Sovcombank

Min. amount

300 000 ₽

Max. amount

30 000 000 ₽

Rate

From 14.9 %

Term

up to 15 years

Rating

1

Who can get a real estate-secured loan

Despite the presence of collateral, banks impose strict requirements on their borrowers. Generally, customers who meet the following requirements can obtain a loan:

• are citizens of the Russian Federation;
• have permanent registration, a place of residence, and a place of work within the Russian Federation;
• are at least 21 years old and not older than 65 years;
• have a work experience at their current place of work of at least three months, and a total experience of at least one year;
• have a steady source of income;
• have sufficient income to cover monthly payments.

As for documents, applying for a loan secured by real estate typically requires a Russian Federation passport, proof of income and employment, and documentation for the collateral property.

How to get a loan secured by real estate from a bank

Applying for this type of loan is more complex than a standard consumer loan. To do so, a bank client must:

• research lending terms at the most reliable financial institutions and choose the most favorable bank;
• submit an application on the bank's official website, providing their full name, date of birth, passport details, registered and actual residential addresses, and information about employment, income, and marital status;
• specify the desired loan amount and term;
• gather all necessary documents;
• review and sign the loan agreement;
• register the collateral—place an encumbrance on the property via the Unified State Register of Real Estate (EGRN).

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Refinancing at Metallinvestbank

3 000 000 ₽

Max. amount

50 000 ₽

Minimum amount

13

Rate, %

21

Age

5 years

Term

From 1 hours

Decision

ApplyDetails

Apply

Details

Advantages and disadvantages of a loan secured by real estate

A loan secured by real estate has many advantages. Among them, we can highlight:

• a large maximum loan amount—depending on the chosen bank and the value of the property, it can reach 30 million RUB;
• a lower interest rate—due to the presence of collateral, the overpayment on such a loan will be lower than for an unsecured loan;
• a high approval rate—because there is a guarantee for loan repayment, banks are more lenient even toward borrowers with a poor credit history.

Among the disadvantages, we can note:

• restrictions on the use of the real estate—the borrower cannot sell, gift, or exchange the property without the bank's permission until the loan is fully repaid;
• not all types of real estate are suitable for collateral—a bank may refuse to accept property as security without explanation;
• paid property appraisal—all costs associated with property appraisal are borne by the borrower;
• receiving only a portion of the value—on average, banks provide loans of no more than 70% of the value of the collateralized real estate.