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The procedure for obtaining a loan for citizens of neighboring countries: Personal documents with notarized translation. Certificate of income in the form 2-NDFL, certified by an employer who is a resident of the Russian Federation, or a certificate in the form of a bank. The initial payment is at least 15% of the cost of the property.

To increase the loan amount, you can provide up to five co-borrowers from among Russian citizens with a good credit history. The mortgage rate for migrants from neighboring countries is the same as for Russian citizens. For citizens from China, Turkey, Vietnam and other countries, including European countries, they are almost the same.

Far Eastern Mortgage Program for Migrants There are several uruguay telegram number database preferential mortgage lending programs in Russia. The most famous of them are: Far Eastern mortgage; rural mortgage; mortgage for large families; Mortgage for IT specialists. These programs provide for the state to subsidize part of the bank interest rate.

Thanks to this, the borrower receives a mortgage at 2-3% per annum. However, the vast majority of such mortgage programs are available only to Russian citizens. Foreigners are usually not eligible. The exception is the "Far Eastern Mortgage". Under certain conditions, a loan can be issued not only to Russians, but also to citizens of the CIS.

For example, if a migrant has a residence permit and official work in the region, he can apply for this benefit on an equal basis with citizens of the Russian Federation. "Murabaha Mortgage" for Muslim Migrants in Russian Banks There are many Muslims among those coming to Russia from neighboring countries.

The question arises: can they get a mortgage that does not contradict the principles of Islam? Since 2023, the Islamic banking and financing market has begun to develop in Russia. The international holding company from the UAE, Ak Bars Bank, has a special mortgage program based on the principles of Islamic law and Sharia norms.

What are the principles based on? Firstly, it is forbidden to charge interest on the loan. In return, the bank participates in the client's profits and losses. Secondly, the borrower is prohibited from investing money in industries prohibited by Islam: alcohol, gambling, and the weapons industry. Thirdly, each financial transaction must be based on a real asset.