Yes. Maternity capital can be used as part of the down payment. The amount of own funds must be at least 5% of the value of the residential property being purchased.

Yes, it can. A loan to buy out the remaining shares (including from former spouses and relatives) in an apartment or apartments is provided under the “Mortgage on the secondary market” program. In this case, the entire real estate property is pledged as collateral.

Usually, from the moment the full set of documents is provided until the loan is issued, it takes on average one week.

• Russian Federation citizenship, registration in the Russian Federation
• Age: from 21 to 70 years as of the loan maturity date
• Length of service at the current place of employment: from 3 months

Similar requirements also apply to co-borrowers under the loan. At the same time, co-borrowers may also be citizens of the Russian Federation aged 18 to 70 years, but the income of persons aged 18 to 20 is not taken into account"

The application will be reviewed within three days. You will receive a notification of the decision via the contact details provided in the application. If you have not received a notification, you can check the application status by calling  8-800-250-57-57.

If you discover an inaccuracy in the credit history held by the credit bureau regarding loans issued to you by Bank Uralsib, please submit an application to any Bank Uralsib branch.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the Online banking chat, the mobile app Uralsib Online, or through the website.  

To ensure your mortgage rate does not increase, pay your annual insurance premiums and send supporting documents to Uralsib.

• To renew the agreement, contact the insurance company (IC) in advance and inform the manager of the outstanding loan balance. You can find it in the mobile app and Uralsib Online web version or by calling the toll-free number 8 800 250-57-57.

If you are making a partial early loan repayment immediately before renewing the insurance agreement, inform the insurance company of the current outstanding balance.

If you did not manage to renew the insurance agreement on time, enter into a new agreement and provide supporting documents to Uralsib.

• The insurance company will prepare and send you an invoice for payment. The insurance premium must be paid, and the payment receipt must be sent to KK@uralsibbank.ru. Email subject: No. of the credit agreement_Full name of the Borrower.
• If you have entered into an additional agreement to the mortgage insurance agreement or changed the insurance company, send scanned copies of the new documents and the insurance premium payment schedule together with the payment receipt.
  

Recommended insurance companies

LLC “Sovcombank Insurance”. 

You can purchase a policy online on your own. If you want assistance with arranging the policy, submit a policy renewal request.

Contacts:

• toll-free number 8 800 100-21-00,
• email address osir@sovcomins.ru
  

If you have a valid policy issued by LLC “Inlife Insurance”, send a request to osir@sovcomins.ru and specify “Inlife Renewal” in the email subject line.

• Full list of recommended companies

Please уточняйте payment methods for insurance with the insurance company.

Detailed information about insurance risks, your insurance company, insurance periods, the insurance agreement number and other details can be obtained by calling the toll-free number 8 800 250-57-57.

If an event occurs that has signs of an insured event, you must immediately contact a bank branch and present the original death certificate of the Borrower or co-borrower and, if available, the certificate of inheritance rights, as well as provide additional information about the heirs:

• Full name;
• degree of kinship;
• registration and residential address;
• contact phone number;
• email address.

To have the event recognized as an insured event, contact the insurance company (hereinafter referred to as the insurer), and if this is not possible, contact the bank and provide the full set of documents upon request.

Wait for the insurer's decision. If the event is recognized as an insured event, the insurer will request from the bank a certificate indicating the outstanding loan debt under the loan agreement and will transfer funds to the bank to repay the loan or part of it within the time limits established by the insurance contract.

Important! Interest on the mortgage loan accrued on the principal debt from the date of death of the Borrower or co-borrower until the date of inheritance rights taking effect shall be paid independently by the heir.

To resolve issues related to all other insured events (disability of the Borrower or co-borrower, loss or damage to the structural elements, or loss of title, etc.), you must also contact the insurer or the bank, while continuing to make loan payments until all issues are resolved and the insurer pays the insurance indemnity amount (if the event is recognized as an insured event).

If you do not know the name of the insurer or do not have information about insurance of the loan agreement, contact the bank by hotline at 8 (800) 250-57-57.

Attention!

If you are in a difficult financial situation or the insurer has refused payment for the insured event, and you are unable to make timely loan payments, contact the bank by phone at 8 (800) 250-57-57 for loan restructuring. The unified federal restructuring helpline operates on weekdays from 07:00 to 16:00 Moscow time.

This is protection for an apartment or house that serves as collateral for a mortgage. Without it, the bank will not approve the loan — this is a legal requirement — Article 31 of Federal Law No. 102-FZ.

What the insurance covers

• Fire, explosion, lightning strike;
• Flooding, including plumbing accidents and damage caused by neighbors;
• Natural disasters, for example, a hurricane or flood;
• Damage caused by unlawful acts, for example, vandalism.

Can you отказаться from the insurance?
No, if the insurance is not taken out, the bank will not approve the mortgage loan. This is a legal requirement — Article 31 of Federal Law No. 102-FZ. In the event of early repayment of the mortgage, part of the insurance premium may be refunded.

Title insurance is protection against financial losses if legal issues with property rights arise after the purchase of real estate. For example, an unaccounted heir of the previous owner may be discovered, or the transaction may be declared invalid due to errors in the documents.

Why insurance is needed
Title insurance is voluntary, and you may decline it. However, in that case the mortgage rate will be higher, and the interest overpayment will be greater. Without insurance, you may lose the property or the money spent on its purchase. The policy will cover:

• Legal costs — if you have to prove your rights in court.
• Compensation for losses — for example, the cost of the apartment.
• Mortgage risks — if the bank requires early repayment of the loan.

How does it work?

• Arrangement — when buying real estate, you choose the insured amount, which is usually equal to the value of the property.
• Review — the insurer examines the ownership history.
• Protection — if a dispute arises later, the company will compensate for the losses. 

Memo on repaying a mortgage loan using maternity (family) capital funds (MSC)

1. Obtain from Uralsib a certificate for the Social Fund of Russia on the outstanding principal debt and the outstanding interest payable for the use of the loan, including the bank loan account details.

Certificates for the Social Fund of Russia will be ready within 15 business days. To receive certificates for the Social Fund of Russia free of charge, call the bank’s toll-free number 8 800 250-57-57 and submit a request for the certificate. We will send the completed certificate by email*. It can also be collected from the nearest Uralsib branch.

2. Collect the documents

— passport,— maternity capital certificate — MSC (if available),— Individual Insurance Account Number (SNILS) of the applicant,— certificate for the Social Fund of Russia,— loan agreement,— residential property purchase agreement,— Unified State Register of Real Estate (USRN) extract (if available),— marriage certificate and spouse’s passport (if the spouse is included in the loan agreement),
— statement of compliance of the residential premises with the requirements and its suitability for living (if you are taking out a mortgage for: an individual residential house, a townhouse).

If you submit the application in person at a Social Fund of Russia branch or at the My Documents MFC, bring the original documents with you.

3. Contact the Social Fund of Russia:

— through your personal account on the Gosuslugi website,— or in person at a Social Fund of Russia office or at the My Documents MFC.

4. Within one month, the bank will send a notification about the write-off of maternity capital funds.

MSC funds are used for partial early repayment:— with a reduction in the loan term,— with a reduction in the annuity payment,— or for full early repayment of the mortgage loan.

The bank does not recommend using MSC funds to repay a mortgage loan if you plan to improve your housing conditions using the mortgaged apartment while the loan is still active. It is necessary to take into account that when selling this apartment, it will be necessary to allocate shares to the child or children and their parents, guardians, or adoptive parents specifically in this apartment.

* The certificate for the Social Fund of Russia is sent to the borrower’s or co-borrower’s email address if they are connected to Uralsib Online and their personal account contains information about their email address;

** Reduction of the annuity payment is possible only if the borrower submits the relevant application.

• Top up your account in advance to avoid technical delinquency. Do not forget to top up all accounts on time if you have several loans.
• Check that there is enough money in your account on the payment date.
  

When making a partial early loan repayment:

1. Top up the account for loan repayment in any convenient way for you.
   
2. Create an application for early loan repayment using Uralsib Online.

If the payment date falls on a weekend or public holiday, the funds will be debited on the next business day after the payment date.

To ensure that the interest rate on your loan does not increase, renew your mortgage insurance on time. Receipts confirming the insurance renewal must be sent by email to: kk@uralsibbank.ruEmail subject: Borrower Full name, loan agreement No.

More information about repayment methods is available in the memo.

A Uralsib employee will prepare the documents and submit to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) an application for mortgage discharge and all required documents.

Check that there is no encumbrance 10 business days after the date of full loan repayment using the “Reference information on real estate properties online” service on the Rosreestr (Federal Service for State Registration, Cadastre and Cartography) website. Or order a free extract from the Unified State Register of Real Estate (USRN) on Gosuslugi.

If you are unable to make payments according to the schedule, inform the bank as soon as possible. This will help minimize the consequences of overdue payments. You may be offered to apply for loan restructuring.

Possible consequences of overdue payments are specified in the agreement with the bank.

The most likely consequences are described below:

• For each day of loan payment delay, the bank will charge a penalty; its amount is specified in the agreement.
  
• If mortgage payments were overdue 3 times within a year, the bank may demand early repayment of the full mortgage amount. The bank may also send a proposal to sell the apartment in order to repay the loan. If an agreement cannot be reached, the bank may go to court.
  
• In court, the Borrower has the right to request a postponement of the sale of the mortgaged property (Article 54 of the Mortgage Law). If the postponement expires and the loan has not been repaid, the court may sell the property through a public auction. Court costs and the borrower’s debt to the bank are deducted from the proceeds received after the sale of the property. The remaining funds are transferred to the borrower.
  

Via Uralsib Online, a bank branch, or by phone 8 (800) 250-57-57:

• Certificate of outstanding loan balance (with bank details)
• Certificate of principal and interest paid
  
• Certificate of full loan repayment
  
• Certificate for the insurance company
  
• Certificate for an assigned loan

Other non-standard certificates can only be ordered at a branch.

Certificates are issued in accordance with approved tariffs and timeframes.

Restrictions may apply when ordering certificates via Uralsib Online. 

1. After obtaining a mortgage loan from Bank Uralsib, repay the loan from the third-party bank and remove the encumbrance from the collateral property. You should contact the original lender.
2. Send an email to the email address of the Uralsib branch in your region requesting that a bank employee be assigned to register the mortgage agreement at the MFC “My Documents”. Email subject: Full name of the borrower_Mortgage agreement registration.
3. Together with a bank employee, submit an application for mortgage registration at the MFC “My Documents”. Presence at the MFC “My Documents” is mandatory for all pledgors (owners).

Documents to be provided by the pledgor to the MFC “My Documents”:

• passport;
• loan agreement (1 copy);
• bank-certified copy of the loan agreement;
• mortgage agreement or pledge of claim rights agreement (all copies);
• bank-certified copies of the powers of attorney for the bank employee who signed the loan agreement and for the person who authorized them;
• copy of the valuation report;* 
• mortgage note (original and copy);
• title documents (Unified State Register of Real Estate (USRN) extract or Certificate of Ownership);
• spousal consent to the pledge (if any);
• state fee from the bank (provided by the bank employee at the transaction);
• marriage certificate (if any);
• state fee from the borrower (RUB 500, can be paid at the MFC “My Documents”).  

4. Send a copy of the registered agreement with legible stamps / a Unified State Register of Real Estate (USRN) extract showing the encumbrance in the form of a mortgage in favor of Bank Uralsib, as well as certificates confirming fulfillment of obligations to the third-party bank, as attachments to an email to kk@uralsibbank.ru. Email subject: rate reduction_Full name of the borrower.

If there is no access to email, the documents may be submitted through a bank branch. The rate is reduced in accordance with the terms of the loan agreement.

5. Renew comprehensive mortgage insurance annually (life and disability, property) and send confirmation to the bank at kk@uralsibbank.ru.**

Email subject: insurance_Full name of the borrower.

A recommended list of partner insurance companies is available here.

Please note!

The existence of a registration entry on the mortgage in the Unified State Register of Real Estate (USRN) will not allow you to dispose of the collateral property without the bank’s consent — after repaying the loan, the encumbrance must be removed. At the MFC “My Documents”, the registration period for title, mortgage, and mortgage termination is up to 14 calendar days. 

* Some MFC “My Documents” offices require the original valuation report and copies of the first 10 pages. 

** If insurance is declined, the loan interest rate increases (see the lending terms).

List of mailing addresses:

In accordance with the terms of the loan agreement, PJSC "BANK URALSIB" hereby notifies that the electronic mortgage note and the application for issuance of the electronic mortgage note may be signed with an unqualified electronic signature or a simple electronic signature of the pledgor. Electronic registration of the mortgage note is carried out by submitting documents to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) in the form of electronic documents or electronic images of documents signed with the bank's enhanced qualified electronic signature using software for electronic interaction with Rosreestr (Federal Service for State Registration, Cadastre and Cartography), subject to technical feasibility.

1. Sign the acceptance certificate with the developer after construction is completed. Within 30 business days from the date of signing the property transfer document, the developer will independently send an application to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) for registration of your ownership right in electronic form.¹

2. Arrange a property insurance policy (structural elements) after registration of the ownership right in the Unified State Register of Real Estate (USRN). Recommended list of partner insurance companies.

3. Send a copy of the insurance policy, the schedule, and the payment receipt to the email address: kk@uralsibbank.ru.Email subject: Insurance_Borrower full name. Renew the insurance annually and send the completed insurance documents to the указанному адресу. If you refuse insurance or fail to register ownership on time, the interest rate will increase (see lending terms).

3. Order and obtain an electronic valuation report on the website ocenka-uralsib.ru.² Obtain the technical or cadastral passport from the developer or through the MFC "My Documents" — these will be required to prepare the valuation report. The report will be sent to Uralsib directly by the appraiser. The valuation report is valid for 6 months from the date of issue.

4. Collect the documents for registration of the electronic mortgage note within 10 business days after registration of the ownership right and preparation of the valuation report. You will need:

— copy of passport: pages 2, 3 and registration page,— Individual Insurance Account Number (SNILS)³,— number or copy of Taxpayer Identification Number (TIN),
— copy of the acceptance certificate,— electronic valuation report²,
— USRN extract (simplified version). Obtain it free of charge through Gosuslugi or at the MFC "My Documents".

Send the completed set⁴ to Uralsib by email: kk@urаIsibbanк.ruEmail subject: Borrower full name_mortgage note.

5. Wait for a call or an email from a Uralsib employee. They will contact you within 10 days and advise you on electronic registration; if necessary, they will invite you to a bank office.

You can ознакомиться with the tariffs for electronic registration of the mortgage note here.

¹  From March 1, 2025 developers are required to independently send to Rosreestr applications for state registration of ownership rights on behalf of the shared construction participant in electronic form no later than 30 business days from the date of signing the apartment acceptance certificate, unilateral certificate, or other property transfer document with the shared construction participant.                                                                                                                  The procedure for paying the state duty for registration of ownership rights must be clarified with the developer.

² Original reports ordered not through the website ocenka-uralsib.ru must be submitted to a Bank office.

³ Individual Insurance Account Number (SNILS) is not provided by military personnel

⁴ Please note that the email size must not exceed 20 MB, but you may send the documents in several emails;

¹  From March 1, 2025, developers are required to independently send to Rosreestr applications for state registration of ownership rights on behalf of the shared construction participant in electronic form no later than 30 business days from the date of signing the apartment acceptance certificate, unilateral certificate, or other property transfer document with the shared construction participant. The procedure for paying the state duty for registration of ownership rights must be clarified with the developer.

² Original reports ordered not through the website ocenka-uralsib.ru must be submitted to a bank office.

³ Individual Insurance Account Number (SNILS) is not provided by military personnel.

⁴ Please note that the email size must not exceed 20 MB, but you may send the documents in several emails.

1. When construction is completed, sign the acceptance certificate with the developer. No later than 30 (thirty) business days from the date of signing the acceptance certificate, unilateral certificate or other transfer document with the shared-equity construction participant, the developer must submit to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) an application for state registration of the ownership right of the shared-equity construction participant to the real estate property in electronic form.¹

2. After registration in the Unified State Register of Real Estate (USRN) of the ownership right of the shared-equity construction participant, immediately:

·         send² an electronic extract (copy of the extract) from the USRN confirming the registration of ownership and mortgage over the real estate property in favor of the bank, to the email address:  kk@uralsibbank.ru. Email subject: encumbrance registered_Borrower Full name.

·         arrange property insurance (structural elements). The recommended list of partner insurance companies is available on the bank's website.

·         send² a scanned copy of the insurance contract (structural elements), the schedule and payment receipt to the email address: kk@uralsibbank.ru. Email subject: insurance_Borrower Full name.

Renew insurance annually and send the executed insurance documents to the указанному адресу.

Please note that in case of refusal of insurance or untimely registration of ownership, the interest rate increases (see the lending terms and conditions).

3. If you have any questions regarding the submitted documents,  a bank employee will contact you by phone or email within 10 days.

¹ From March 1, 2025, developers are required to independently submit to Rosreestr (Federal Service for State Registration, Cadastre and Cartography) applications for state registration of ownership on behalf of the shared-equity construction participant in electronic form no later than 30 business days from the date of signing the apartment acceptance certificate, unilateral certificate or other transfer document with the shared-equity construction participant.                                                                                                                  The procedure for paying the state duty for ownership registration should be clarified with the developer.

² Please note that the email size must not exceed 20 MB, but you may send the documents in several emails;

The right to a tax deduction arises in the following cases:

1. Purchase (into ownership*) of a house, apartment, room, or shares in them.
2. Completion of residential construction and registration of ownership/signing of the acceptance certificate.
3. Purchase (into ownership*) of a land plot for residential construction.
   
4. Repayment of interest on targeted loans.

Loan purpose:

• purchase/construction of residential real estate;
• purchase of a land plot (for construction);
  
• refinancing of a mortgage loan.

The maximum amount of expenses from which the tax deduction is calculated (Article 220 of the Tax Code of the Russian Federation):

• For the purchase/construction of housing — RUB 2 million (13% of RUB 2 million = RUB 260 thousand refundable), granted only once in a lifetime; 
• for repayment of interest (granted when purchasing a property using borrowed funds) — RUB 3 million (13% of RUB 3 million = RUB 390 thousand refundable).

Ways to receive a tax deduction:

• Personal account on the nalog.gov.ru website
  Section “life situations” → Service “file a declaration” → Generate a declaration for the previous year (or the year for which you want to receive the deduction) and attach scans of the required documents from the list below

• Federal Tax Service (at the place of registration of an individual) or MFC (in cooperation with the Federal Tax Service)
  A full set of documents is submitted (submission under a notarized power of attorney is possible)

• Employer (13% will not be withheld from salary)
  Provide a notice confirming the right to receive a tax deduction (the notice is issued by the Federal Tax Service).

Documents:

1. For the property.
   – Underlying agreement (example: purchase and sale agreement; equity participation agreement, assignment of claim rights, investment agreement, etc.);
   – Property acceptance certificate;
   – Unified State Register of Real Estate (USRN) extract (when purchasing a completed property (secondary market)).
2. Personal documents 
   –  2 Personal Income Tax (PIT) certificates (for the past year or the year for which you want to receive the deduction);
   – Declaration for the past year (or the year for which you want to receive the deduction);
   – Marriage certificate (if necessary, in case ownership is registered in the spouse’s name);
   – Child’s birth certificate (if necessary, in case ownership is registered in the child’s name);
   – Agreement on the allocation of the share of interest (if loan interest is paid by more than one Borrower);
   – Agreement on the allocation of expenses for the purchase of the property (if there is more than one owner);
   – Account details (for crediting the refund amount).
3. The bank (mortgage transaction)
   – Loan agreement;
   – Certificate of interest paid to The bank (for the period for which the deduction is refunded; provided at the stage of applying for the tax deduction on interest)
   
4. Settlements
   Documents confirming settlements between the parties (example: advance agreements, cash receipt orders, payment orders, receipts, etc.)
   

* Types of ownership: sole, joint, shared, common shared

* The certificate is issued free of charge

The deadlines for tax deduction refunds must be уточнять in the territorial Federal Tax Service. Attention! Limitation periods have been established for tax deduction refund periods (3 years), taking into account a number of specific features.

The Total Cost of Credit does not include:

• Fines, penalties,  liquidated damages for violation of the agreement terms;
• additional services from the bank, for example, SMS notifications;
• mandatory insurance;

You can apply for the payment in 2 ways:

- via the Unified Portal of Public Services (PGU)

- via The bank (through the nearest branch) more details here

Detailed information on submitting the application is available here

Important information:

When preparing the application, provide and verify all information in accordance with the documents; indicate civil record entry numbers in full.

The submitted application is reviewed by DOM.RF within up to 10 business days. An incorrectly completed application is subject to return. 

The time frame for transfer of funds by JSC "DOM.RF" to The bank is up to 1 month. (depending on the region).

The bank hotline: 8 800 250-57-57.

The Total Cost of Credit is an important indicator that allows the Borrower to assess all expenses associated with obtaining and servicing a credit product.

The Total Cost of Credit includes not only the principal amount of the debt and interest on the loan, but also various fees and charges that may be imposed by the bank. Such charges include:

– Fee for opening and maintaining an account;
– Fee for granting and servicing the loan;
– Fee for early repayment of the loan;
– Fees for additional services (for example, the borrower's life insurance).

Calculation of the Total Cost of Credit:

In order to calculate the Total Cost of Credit, it is necessary to take into account all the fees and charges specified above. The formula for calculating the Total Cost of Credit is as follows:

Total Cost of Credit = i * (1 + i)^n / (1 + i)^n - 1, where i is the annual interest rate, n is the loan term in years.

If you обнаружили an inaccuracy in the credit history contained in the credit bureau regarding loans issued to you by Bank Uralsib, submit an application to any office of Bank Uralsib.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the chat of the Online banking or the mobile app Uralsib Online, or via the website.