Кредиты под залог квартиры — условия 2026

A consumer loan secured by an apartment is one of the types of credit products that offers a number of advantages compared to regular loans. In this case, the maximum amount can reach 30 million RUB, and the term can be up to 30 years. However, unlike regular loans, obtaining such a loan requires pledging an apartment as collateral, which increases risks for the borrower in the event of default on their obligations.

Features of obtaining a loan secured by an apartment

A loan secured by an apartment has a number of features that distinguish it from a regular consumer loan. Among them, we can highlight:

• A lower interest rate. The presence of collateral significantly reduces the risk for the lender, which also makes it possible to reduce the overpayment.
• A larger loan amount. The borrower can receive up to 80% of the value of the mortgaged apartment, which often exceeds the amount available with a regular loan.
• A long loan term. A real estate-secured loan can be issued for a term of up to 30 years, making monthly payments more comfortable in amount.
• The need for apartment insurance. The borrower must annually insure the pledged real estate until the debt is fully repaid.
• Restrictions on the use of the property. Until the debt is fully repaid, the borrower does not have the right to sell, gift, or exchange the pledged property, as this may lead to the loss of the collateral.
• The risk of losing the apartment. In case of non-payment under the agreement, the bank may foreclose on the pledged property to repay the debt, which can lead to its loss.

Which banks offer loans secured by an apartment

You can take out a secured loan at various banks that provide retail lending services. Nevertheless, the most attractive terms are offered by the following credit institutions:

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Offer

Min. amount

Max. amount

Rate

Term

Rating

Cash loan from Sovcombank

Min. amount

30 000 ₽

Max. amount

30 000 000 ₽

Rate

From 14.9 %

Term

up to 15 years

Rating

4.5

Personal loan from Alfa-Bank

Min. amount

50 000 ₽

Max. amount

15 000 000 ₽

Rate

From 13.5 %

Term

up to 10 years

Rating

4.5

Cash loan at T-Bank

Min. amount

50 000 ₽

Max. amount

5 000 000 ₽

Rate

From 15.9 %

Term

up to 15 years

Rating

3.5

Consumer loan at Ak Bars Bank

Min. amount

20 000 ₽

Max. amount

5 000 000 ₽

Rate

From 19.4 %

Term

up to 5 years

Rating

3.5

Renovation loan from Alfa-Bank

Min. amount

50 000 ₽

Max. amount

15 000 000 ₽

Rate

From 13.5 %

Term

up to 10 years

Rating

3

Who can get a loan secured by an apartment

Despite the presence of collateral, banks impose fairly strict requirements on borrowers. Thus, the loan is usually available to clients who meet the following criteria:

• 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 regular source of income.

The documents usually required to apply for a loan include a passport of a citizen of the Russian Federation, certificates confirming income and employment, and documents for the apartment.

How to get a loan secured by an apartment

Applying for a secured loan is somewhat more complicated than a regular consumer loan. To do this, you must:

• Study the lending terms at reliable banks and choose the most suitable one.
• Submit an application on the bank's website, indicating your full name, date of birth, passport details, registration and residential addresses, information about work, income, and marital status.
• Indicate the desired loan amount and term.
• Gather all necessary documents.
• Review the payment schedule and the loan agreement, and sign it.
• Register the property collateral by registering the encumbrance with Rosreestr.

Advantages and disadvantages of a loan secured by an apartment

A secured loan has many advantages. Thus, the maximum loan amount can reach 30 million RUB depending on the value of the property and the chosen bank. The interest rate on such a loan is usually lower than for unsecured loans, as banks consider the collateral as a guarantee of loan repayment. In addition, if collateral is available, even borrowers have a chance of getting a loan.

However, a secured loan also has disadvantages. First, the borrower is limited in using the real estate: they cannot sell, exchange, or gift it without the bank's permission until they pay off the entire debt. Second, not all types of real estate can be accepted as collateral, and the bank may refuse the collateral without explanation. In addition, the costs of real estate appraisal fall on the shoulders of the borrower, which is also a disadvantage. And finally, the client usually receives only part of the value of the mortgaged apartment — on average, banks issue no more than 80% of this value.