Real estate-secured loan from Bank Zenit

Secured by real estate: an apartment, a residential house, or commercial real estate, you can get the following amount here:

• from 500,000 to 40,000,000 RUB for residents of Moscow, the Moscow Region, or Saint Petersburg;
• from 500,000 to 20,000,000 RUB for residents of other regions of Russia.

The loan term ranges from 3 to 25 years, regardless of the borrower's region of residence.

The base interest rate here is 25% per annum subject to personal, title, and property insurance. At the same time, the overpayment may be increased by:

• 3% per annum if there is no personal insurance;
• 1% per annum if there is no title insurance;
• 1% per annum if there is no property insurance.

The total cost of the loan ranges from 25.082% to 32.614% per annum.

At Bank ZENIT, you can repay the loan ahead of schedule. The borrower has the option to make both partial early payments and the full amount required to close the loan.

In the second case, it is mandatory to notify the creditor of your intention to close the loan early. This is necessary to obtain a statement with the exact amount required to close the loan.

If the client fails to make the monthly payment on time, the financial institution immediately starts charging a penalty—0.1% per day on the overdue debt amount. In addition, Bank ZENIT immediately transmits information about the delinquency to the Credit History Bureau, which can negatively affect your credit history and lead to loan denials in the future.

To get a real estate-secured loan at Bank ZENIT, you must meet the following criteria:

• have Russian citizenship;
• have a place of employment within the Russian Federation;
• have permanent registration in a region where a bank branch is located;
• be at least 21 years old and no older than 75 years on the expected loan agreement maturity date;
• have a work experience at their current job of at least 3 months;
• have a total work experience of at least 1 year;
• have a positive credit history.

The following documents are required to obtain a secured loan:

1. Passport of a citizen of the Russian Federation.
2. Income verification certificate.
3. Employment verification certificate.
4. Copy of the marriage/divorce certificate, prenuptial agreement, child birth/adoption certificate (if applicable).
5. Document serving as the basis for the state registration of ownership rights to the real estate property.
6. Document confirming full payment under the purchase and sale agreement, shared construction participation assignment agreement, etc., as well as the acceptance certificate.
7. Technical inventory passport of the real estate property.
8. Cadastral plan of the land plot with a boundary layout (when pledging a land plot with a residential house located on it).
9. Real estate market value appraisal report.
10. Notarized consent of the borrower's spouse.
11. Permission from guardianship and trusteeship authorities to pledge the real estate property.

Loan funds are disbursed by crediting them to a bank account with Bank ZENIT.

Monthly payments on a property-secured loan can be made in the following ways:

• at Bank ZENIT branches;
• at Bank ZENIT ATMs and terminals;
• at ATMs and terminals of VTB, MKB, and Alfa-Bank;
• at Elecsnet terminals;
• via the Zolotaya Korona service;
• by transfer from any bank card;
• via card-to-card pull transfer in Zenit Online.

Short name: PJSC "Bank ZENIT"

Tax ID / KPP: 7729405872

BIC: 044525272

KPP: 772701001

Correspondent account: 30101810000000000272

OGRN: 1027739056927