Property-secured loan at BJF Bank

BJF Bank offers borrowers an apartment-secured loan ranging from 450,000 to 30 million RUB for a term of 1 year to 25 years. The minimum interest rate is 15.49% per annum, and the maximum is 39.99%. The bank determines the overpayment for each borrower on an individual basis.

The collateral for the loan can be:

• an apartment in an apartment building;
• completed or under-construction apartments;
• commercial real estate.

Borrowers of BJF Bank have the opportunity to repay the loan ahead of schedule. To do this, they need to notify the lender of their decision 10 business days before the date of the next monthly payment.

In the event of a borrower's delay on a monthly payment, BJF Bank charges a penalty. Its amount is 1/366 of the Central Bank of Russia's key rate on the amount of overdue debt and accrued interest for the use of funds.

Borrowers who meet the following requirements can get a loan secured by an apartment from BJF Bank:

• are citizens of the Russian Federation;
• aged from 21 at the time of loan issuance to 75 at the time of the expected end date of the loan agreement.

To obtain a loan secured by an apartment, it is necessary to provide a passport of a citizen of the Russian Federation and a document confirming income. In addition, you will need to present documents for the property:

• certificate of state registration of ownership or an extract from the USRN;
• extract from the house register;
• BTI documents (floor plan with explication or technical passport);
• valuation report from a valuation company accredited by the bank.

Borrowed funds can only be received into a bank account opened at BJF Bank.

Monthly payments are debited automatically from an account opened at BJF Bank. You can deposit money into it in the following ways:

• by transfer between your own accounts opened at BJF Bank;
• by transfer from cards of other banks;
• in cash through BJF Bank ATMs;
• in cash through ATMs of other banks;
• in cash through BJF Bank cash desks.

Short name: Bank BJF JSC

Tax ID (INN): 7709056550

BIC: 044525464

KPP: 773101001

Correspondent account: 30101810545250000464

OGRN: 1027739098639