BSGV offers mortgage loans for real estate purchase against its further pledge or against pledge of existing real estate on the conditions tailored to your requirements:

• «Flat» - for purchase of an apartment on secondary real estate market with further pledge;
  
• «Country real estate» - for purchase of a cottage/plot of land on secondary real estate market with further pledge;
  
• «Property improvement» loan under the pledge of existing property – flat/cottage/plot of land for purchasing another property in Russian Federation flat/cottage/plot of land with purpose conformation. (Pledge from 3rd party – close relatives - a spouse of the Borrower or their children over 18 y.o – is accepted);
  
• «Pledge» loan under the pledge of existing property – flat/cottage/plot of land for purchasing another property in Russian Federation or renovation, or construction without purpose confirmation. (Pledge from 3rd party – close relatives - a spouse of the Borrower or their children over 18 y.o – is accepted);
  
• «Refinancing» - loan for refinancing of a mortgage loan granted by another bank or credit organization for the purpose of living conditions improvement with obligatory confirmation of initial loan purpose.
  
   
  Mortgage loan features:
  

- interest rates:  from 8% for loans in EUR, from 9.75% for loans in USD, from 14.25% in RUB - you can view the details here:                                      rates for Mortgage Loan >>> - loan term from 1 to 25 years

Mortgage loan benefits:

- individual approach to each Client;
- total household income is taken into account;
- permanent registration or Russian citizenship are not obligatory;
- limited restrictions on the choice of a real estate;
- purchase and sale agreement with a consideration of real estate seller’s interest on the price of a real estate;
- you become the owner of the purchased object and can formalize registration for you and members of your family;
- monthly loan repayment in equal amounts;
- flexible schedule with an early redemption possible after a 6-month period;
- automatic debiting of the installments from your current account;
- 5-7 days of your application consideration upon presenting all the documents;
- assistance in drawing up insurance at Bank premises (if applicable);
- BSGV assistance in fast withdrawal of charge on the pledged object after loan repayment.

Insurance:

Borrower should provide a complex insurance of pledged property (risks of “Loss of property rights”, “Loss/ damage of property constructive elements”, “Total property loss”, if applicable) in any insurance company upon the borrower’s choice or in the insurance company, recommended by the bank for the loan period and for amount equaled to loan debt increased by 10%. Insurance beneficiary under the above mentioned risks is the Creditor.
Additional security of the loan is life and disablement risk insurance for the loan period and for amount equaled to loan debt increased by 10%. Beneficiary under life insurance policy is the Creditor. Borrower is able to provide additional security under the mortgage loan or to choose mortgage loan without security in the form of life insurance. The life insurance policy may be issued by any insurance company or by the insurance company, recommended by the bank.

Banking charges:

- Issuance fee;
- commission for servicing the account or bank’s service packages;
- annual insurance payment during the loan term (if applicable);
- realty evaluation by an independent appraisal;
- registration of sales transactions and real property title in the Registration Chamber;
- Safe cell rent (if applicable).


BSGV Tariffs >>>



Related Products: 

 - Current account - the basic means connecting the bank with its clients. For your convenience the monthly installments are automatically debited to your current account. 
 - Banking Cards - for easier handling of your account BSGV offers VISA/ MasterCard cards in different currencies.
 - Special Mortgage Loan Programs

Special Mortgage Center:

Bank Societe Generale Vostok has opened 2 special Mortgage Centers at:
 -  40/2 Prechistenka, bld.1
 - 3/8 Ilyinka, bld.5
 - 1, Izmaylovskaya sq.
The specialists of the Centers consult clients on mortgage lending and provide mortgage deals (including the deals conducted through safe). Individual client approach makes it possible to facilitate deal procedures. The increased number of mortgage partners lets a client choose the most suitable program. 

Information for clients:

In order to avoid problems and/or losses of funds when loan repayment, BSGV doesn't recommend making payments via channels which are not represented on BSGV official web-site or in other informational materials, issued by the Bank. BSGV declines any responsibility for operations performed via such channels.