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FAQ
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How much income is required?
The monthly payment should not exceed 70% of income. If the income is insufficient, then you can arrange co-borrowers.
How many days will it take to process a loan application?
Consideration and response on granting or refusal of a loan is carried out within a few working days.
How is the loan repaid?
The loan is paid on a monthly payment, with a grace period of up to 2 months or without a grace period, by the annuity method.
Mortgage loan «COMFORTABLE HOUSE»
How high should your income be?
Monthly payment should not exceed 70% of the income. If the income is insufficient, you can register co-borrowers.
Where can you apply for a mortgage loan?
A mortgage loan is issued at a branch of Kapitalbank at the location of the apartment being purchased, and not at the place of residence.
How many days will it take to process the loan application?
It takes a few banking days to process the loan application and as to get a response in respect of the loan issue or refusal.
How is the transaction conducted?
After the loan is approved, the bank sends a letter of commitment to notary for registration of the transaction. On the basis of the letter, the developer registers the residential property for the buyer, and the bank, in turn, registers the apartment as a pledge. Apartment to be purchased becomes the pledge. When the loan is issued, the bank transfers the money to the seller's account.
Where is the initial payment made?
The initial payment of at least 26% must be made at the branch of Kapitalbank, where the mortgage is issued.
How is the loan repaid?
The repayment is made by annuity on a monthly basis, with a grace period of up to 3 months or without a grace period.
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