"Ingosstrakh" - Apartment Insurance with Mortgage, Cost Calculator, Customer Reviews, Policy for Houses and Apartments

Mortgage insurance is a mandatory procedure for any borrower applying for the purchase of real estate with the participation of bank funds. This is the only method of protecting obligations and interests in the event of unforeseen circumstances.

When obtaining a mortgage, the concept of financial protection raises the most questions. The client is asked to insure not only the property, but also his life and title (loss of ownership of the loaned property).

We have comprehensive programs that take into account all the risks listed above. It is one of the ten largest and most stable insurers in Russia. How much a mortgage protection policy will cost, how to apply for it and other nuances of insurance at Ingosstrakh, we will discuss in this article.

"Ingosstrakh" - Mortgage calculator for life and property insurance

First in importance is the question of the cost of mortgage insurance. The price of the policy can be calculated online on the Ingosstrakh website.

This will allow you to make a purchase decision even before signing a loan agreement with the bank. To use the insurance calculator, go to the company’s official portal and follow the instructions:

1. Go to the Ingosstrakh website using the link: ingos.ru/mortgage/calc .

2. In the window that opens, fill out the calculation form:

• enter the name of the lender;
• type of collateral;
• balance of debt;
• year of birth of the borrower;
• validity period of the policy.

3. Select the type of insurance – against damage to collateral or protection of life and health and click “Calculate”.

You can make a calculation for both types of insurance at once or separately. The service will offer to sign up for related programs, indicating their cost.

Note! The set of risks depends on the requirements of the bank where the loan agreement is drawn up. Full fulfillment of obligations to the bank is ensured by a comprehensive insurance contract.

Online registration of an insurance contract

Immediately after the calculation, you can issue an electronic collateral insurance policy. Click “Next” and go to the insurance registration section.

Insurance is purchased on the website through the online service as follows:

1. Answer the questions on the form to fill out. In particular, indicate the number and date of the loan agreement, borrower data, series and number of passport, registration address and location of the insured object. Click "Apply Online".

2. Payment is made in the same service using a bank card. Indicate the plastic number, owner's name and the 3-digit code on the back.

After this, an electronic version of collateral property insurance will be sent to your email. It has the same legal force as a policy drawn up on the insurer's letterhead. Financial protection against the risk of loss of ownership of real estate is issued only in conjunction with insurance of the collateral itself.

Property insurance is the main requirement of banks for mortgages. The concluded agreement is provided at the time of issuance of the loan payment. To register, you should contact a specialist at your nearest office. He will take copies of documents and give you a form to fill out an application in the form of a questionnaire.

Based on the documents and information provided, a decision is prepared within 24 hours. Then an insurance contract is prepared, which can be picked up at the nearest office or during the transfer of funds at the bank. Payment is made according to the attached schedule.

Online application for mortgage insurance

The online application is provided only for financial protection of life and health, because it is impossible to purchase this policy on the website.

Answer the questionnaire questions regarding your health. It is necessary to provide only reliable information, because if a deliberate lie is discovered about your health status, the company will refuse insurance payment.

To purchase a policy, you must send a request to a representative of the insurance company, and then go to the office in person. By agreement, you can arrange a meeting with an Ingosstrakh agent in another location.

If the borrower does not have time to contact the insurance company in person, an online application can be submitted. To do this, you need to fill out a form on the website, indicating your full name, valid email address and contact phone number. The name of the bank and the amount of the loan provided are indicated.

After submitting the application, a confirmation will be sent by email. An Ingosstrakh employee will contact the borrower to clarify further actions and the list of documents for obtaining insurance.

What affects the cost of mortgage insurance?

The main influence is the size of the mortgage and the bank's requirements for coverage. First of all, the borrower is considered - age, health and gender.

The technical parameters of the property are taken into account - the degree of deterioration of load-bearing structures, materials of walls and ceilings. The status of the property is taken into account - a finished house or not yet put into operation.

The average tariff is at the level of 0.6-1%. To obtain information about the exact cost, you need to send an application to Ingosstrakh or contact the manager personally.

Various coefficients are used to calculate the cost of the policy. The final price depends on the following parameters:

• Requirements of the lender in relation to the content of the policy.
• Amount of credit debt.
• Age and gender of the policyholder.
• Type of property, its condition, year of commissioning - for a collateral financial protection policy.
• The client’s health status, the presence or absence of diseases - for the borrower’s insurance.
• Previous real estate transactions, their number and content - for the financial protection of the title.

The easiest way is to calculate the cost of insuring collateral property under a mortgage. To calculate the price of life insurance, the participation of a representative of the insurance company will be required. If necessary, he may request clarifying documents about the client’s health status.

Necessary documents for a mortgage at Ingosstrakh

The list of required documents varies depending on the type of insurance you want to take out.

To draw up an insurance contract, you will need personal data, such as full name, address and contact phone number. Provided:

• application from the borrower;
• passport;
• loan agreement;
• extract from the Unified State Register of Real Estate for existing real estate;
• financial personal account;
• certificate from the BTI with a floor plan;
• assessment report if housing is purchased on the secondary market;
• permission from the guardianship authority to register the transaction, if necessary;
• document of title (purchase and sale agreement).

In some cases, the company may request medical records or refer you for examination.

To apply for a financial protection policy, the borrower must prepare an application in which it is necessary to answer questions regarding health in detail and honestly. If necessary, the insurance company has the right to request a medical examination, an extract from the client’s outpatient card and other medical papers.

Insurance of mortgaged real estate and title requires the provision of documents on ownership (extract from the register of rights - USRN, purchase and sale agreement), a copy of the appraisal report to understand the real market value of the property.

"Ingosstrakh" - Questions and Answers on Mortgage

Here is a list of the main questions that insurance clients have:

• Answer

What is mortgage insurance?
These are insurance products that are designed to ensure the return of loan funds to the bank. For this, grounds are determined - such as loss of health or life, damage or loss of property. Banks require compulsory insurance.

• Answer

What is title insurance?
It insures the risk of loss of real estate due to deprivation of property for reasons beyond the control of the policyholder. It is possible when the seller is a fraudster or relatives appear who have been deprived of their rights to property. The insurance company will pay the remaining debt to the bank.

• Answer

What is the validity period of the insurance?
The real estate insurance contract is concluded for 1 year or for the entire period of the loan. The validity period corresponds to the number of years of the mortgage payment. Insurance is required for the entire payment period.

• Answer

How to defer payment of the next installment?
A deferment is possible if the bank provides written permission. In other cases, payments must be made on time.

• Answer

Is it necessary to visit the office to draw up a contract?
Registration is possible both online and at the insurer’s office or at the bank when concluding a transaction. An Ingosstrakh employee will bring the documents necessary for signing. The document form can be sent by email or in the original through a bank employee or a realtor partner. Collateral insurance is issued on the insurance company’s website.

• Answer

What to do if the policy is lost during the payment period?
Contact the Ingosstrakh office and write a statement. The employee will issue a duplicate, according to which you can continue making payments. You should call in advance and coordinate the production of a duplicate document.

• Answer

Why do you need mortgage insurance?
If an unforeseen event occurs, the insurance company will pay the debt to the bank. To do this, the situation specified in the policy as insurable must occur.

• Answer

Is it necessary to take out insurance for the entire term of the loan agreement?
Only for subsequent years in agreement with the insurance company. When signing the loan agreement, you must pay the annual cost.

• Answer

What if the insured event occurs during the deferred payment period?
The remaining premium must be paid within 10 days, otherwise the insurance contract will be considered terminated.

• Answer

Is it possible to make changes to the terms of the mortgage policy
? Yes, but all amendments must be reported to the bank that issued the loan.

See the entire list of answers to popular questions in the “FAQ” section: ingos.ru/#faq or ask your questions by calling the hotline: ingos-strahi.ru/telefon-goryachey-linii.

Ingosstrakh - Is it possible to refuse mortgage insurance?

The conditions for refusal of insurance and refund of the cost of the policy should be clarified in the text of the mortgage agreement that the client concluded with Ingosstrakh. The opposite situation also happens when the insurance company refuses to provide financial protection. Most often this is due to the characteristics of the property.

Perhaps it does not suit the policyholder’s conditions and poses an increased risk for him (worn out structural elements, an old date of construction, etc.). Life insurance will also be waived if the client has severe chronic illnesses or has reached retirement age.

Any borrower has the right to refuse insurance. But in most cases, banks stipulate sanctions for refusal in the contract, according to which the interest rate may double. Therefore, it is economically beneficial to pay insurance.

What is mortgage insurance and why is it needed?

When a bank issues a long-term mortgage, it takes a certain risk. Mortgage insurance reduces the risk of loss or damage to the real estate pledged as collateral, and also helps protect the lender from non-payment of the loan. This is a mandatory procedure when applying for a home loan. Mortgage insurance provides protection not only to the lending institution, but also to the borrower.

Types of mortgage insurance

The subject of insurance, that is, the object of financial protection, can be:

1. Property. A house, apartment or land purchased under a mortgage agreement. Insurance covers the integrity of the collateral, the safety of its supporting structures and main elements.
2. Life and health. The insurance provides payments in the event of temporary loss of ability to work due to disability, as well as the premature death of the borrower. This type of insurance is voluntary, but if you refuse it, the bank may increase the interest rate on the loan.
3. Insurance of title or ownership of an apartment or other type of real estate. When purchasing a home with a mortgage, this type of insurance will help protect both the bank and the borrower from unpleasant situations. You can lose your right of ownership, for example, by encountering scammers when buying an apartment on the secondary market, or because of the seller’s relatives suddenly showing up.

Real estate, health, or title insurance helps the bank get reimbursed if unexpected circumstances arise. Even if the real estate burns down or the borrower becomes seriously ill and cannot pay the debt, the lender will still receive the money in full.

For the borrower, insurance is associated with additional expenses, but there are also benefits:

• •

  in the event of disability, loss of the opportunity to work, or in the event of the death of the borrower, the insurance organization will pay off the remaining balance of the debt;

• •

  you will not have to pay the bank for real estate lost as a result of a fire or transferred into the possession of another person by court decision.

Insurance cases

It all depends on what type of insurance is taken out. For example, in life and health insurance, guaranteed cases include permanent loss of ability to work due to disability, as well as in the event of the borrower’s passing away. The list of insurance items is compiled individually and depends on the age and health of the borrower.

Real estate is most often insured against damage as a result of fires, natural disasters, domestic gas explosions, acts of hooliganism and vandalism.

What is covered under title insurance? This is the termination/restriction of the right of ownership of housing purchased with a mortgage by a court decision:

• •

  when making a transaction under duress, fraudulently, etc.;

• •

  if the transaction is declared invalid due to the lack of the owner’s right to sell the joint property;

• •

  when registering illegal transactions involving minors - sale of real estate without the consent of legal representatives (guardians);

• •

  upon confirmation of the seller’s insanity at the time of the purchase and sale transaction.

The insurance company will not pay compensation if the residential premises were damaged as a result of:

• •

  intentional actions on the part of the owner or other interested party;

• •

  military actions, man-made disasters, atomic explosions;

• •

  natural wear and tear or collapse due to disrepair;

• •

  carrying out repair or construction work;

• •

  storage of flammable or explosive substances.

There is no single list, since each insurance company independently determines the composition of the financial compensation program.

The occurrence of an insured event is documented. The list of required papers must be indicated in the insurance contract. In case of problems with real estate, an act drawn up by a representative of the management company or employees of the Ministry of Emergency Situations is required. After the occurrence of an insured situation, the policyholder must report the incident to the company where he purchased the policy: send a written statement.

Insurance payments

In most cases, the beneficiary of the insurance is the bank. If an insured event occurs, the insurance organization will compensate the creditor for the damage. For example, it will pay off the remaining portion of the mortgage debt in the event of disability or death of the borrower. The situation is similar with damage and loss of real estate.

If the insurance payment exceeds the balance under the loan agreement, the insurance company will transfer to the bank the required amount to repay the loan, and transfer the difference between the insurance payment and the balance of the loan to the borrower or his relatives.

If the balance of the loan debt exceeds the insurance payment, the insurance payment is transferred in full in favor of partial early repayment of the loan, and the balance must be paid by the borrower or his heirs in the event of the borrower’s death.

Procedure for obtaining insurance

You can insure your life, apartment or title in an organization offered by the bank when applying for a mortgage or in any other organization at your discretion. After choosing an insurer, it is important to decide on the type of insurance program.

To obtain insurance, the insurance company provides:

• •

  mortgage agreement number;

• •

  copy of the passport;

• •

  application of the established form;

• •

  questionnaire.

In some cases, the insurer may require a health certificate, a home assessment report, certificates from the BTI and other documents.

After collecting all the papers, a representative of the insurance company will prepare an insurance policy. The original remains with the borrower, and a copy must be provided to the bank that issued the mortgage loan. You can draw up an insurance contract both before receiving a mortgage loan and on the date of signing the loan agreement.

The insurance policy is issued for a year, and then renewed annually until the mortgage loan is fully repaid. If the mortgage is closed early (partially), a recalculation is made. To do this, the policyholder and the insurer draw up an additional agreement in which they indicate the current balance taking into account the last payment. If the mortgage is fully repaid, for example, if this happened at the beginning or middle of the insurance period, a refund of policy premiums is possible.

Insurance cost calculation

The cost of an insurance policy when taking out a mortgage is influenced by many factors. Insurance premiums may vary depending on the total mortgage amount and interest rate, as well as the type and characteristics of the property purchased. The cost of insurance is affected by the age and health of the borrower, his profession, hobbies and other parameters.

When insuring title, the following are taken into account:

• •

  total number of property owners;

• •

  tenure of housing;

• •

  presence and number of minor owners.

The cost of the policy may increase if the borrower has chronic diseases, extreme hobbies, etc.

You can apply for a mortgage loan and choose the best insurance option at any Alfa-Bank branch. We accept applications online and provide a preliminary decision within one day. Calculate the cost of your mortgage using the calculator on the website to find out the amount of your mortgage payments. Mortgage programs are available for secondary real estate, housing in new buildings at 5.99%, as well as refinancing at a minimum rate of 7.99% per annum.

Ingosstrakh - What risks does mortgage insurance cover?

With minimal payments, insurance gives a sense of security, since the responsible organization will assume obligations in the event of an insured event. Ingosstrakh covers a number of insurance risks:

• loss of health or life;
• significant damage to real estate;
• loss of ownership of real estate.

In accordance with the law, insurance of collateral property is mandatory. The insurance program protects against non-payment of debt in the event of difficult circumstances.

Comprehensive mortgage insurance takes into account several risks:

• Death of the borrower. If a person dies, the insurance company pays the loan for him. Otherwise, the debt passes to his heirs.
• Loss of health leading to disability. This refers only to disability of groups 1 and 2, when a person cannot work.
• Destruction of structural elements of the mortgaged property. The collateral is a guarantee that the mortgage debt will be repaid to the bank. If it suffers significant damage or is completely destroyed, the mortgage remains unsecured. Repaying the loan funds will be extremely problematic for the bank; in this case, real estate insurance is provided. Examples of an insured event include a domestic gas explosion, flood or fire.
• Cancellation of the right to own collateral real estate. This type of insurance is provided only in the first three years after purchase. According to the law, it is possible to challenge the client’s property right only during this period. For example, a purchase and sale transaction was carried out in violation - the consent of the seller’s wife was not obtained. Within 3 years, she has the right through the court to declare the sale of the apartment illegal.

Note! The insurance period must be renewed every year. If you decide to refuse financial protection after some time, the bank has the right to increase the rate under the current mortgage agreement.

Of all the types of financial protection listed above, only collateral property insurance is mandatory. Other risks are insured by the borrower at will. The bank does not have the right to force the purchase of a policy, but it can influence the client by increasing the interest rate if they refuse insurance.

Usually the rate increases by 1-2%, but there are lenders who increase the rate by 4-5% at once. It is worth paying special attention to this clause in the loan agreement.

Three types of mortgage insurance

• Insurance of collateral property in Ingosstrakh includes insurance of an apartment against fires and other natural disasters, against domestic gas explosions, flooding and other accidents, against actions of third parties that violate the laws of the Russian Federation, including vandalism and hooliganism. You can't refuse this look.
• Life and health insurance. Insured events include loss of work, temporary loss of ability to work due to illness, permanent loss of opportunity to work due to disability or injury, death of a bank client, etc. Not a mandatory type of insurance, but if you conclude an agreement and take out a life insurance policy, the mortgage rate will decrease by 0.5-1%.
• Title insurance from Ingosstrakh covers risks in the event that a person is deprived of ownership rights to an apartment that was purchased with a mortgage. Deprivation of rights must be ordered by a court. Often, it is problematic for the borrower to prove the occurrence of an insured event for a given risk. Title insurance can be waived if desired.

Advantages of obtaining mortgage insurance from Ingosstrakh

Advantages include ample opportunities when contacting an insurer:

• efficiency and flexible tariffs;
• the ability to issue a policy online;
• individual approach to a potential policyholder;
• payment in installments without increasing the amount;
• signing and paying for the contract when preparing documents at the bank;
• favorable conditions even with early repayment of debt.

The mortgage insurance program at Ingosstrakh is acceptable for most banks, as it takes into account all the features of mortgage lending in the Russian Federation.

What makes it stand out from the rest:

• The insurance company's reliability rating is ruAAA. This means that it is stable. The financial forecast for the near future remains the same.
• Most banks that issue mortgage loans cooperate with the insurer. This means that credit institutions have approved Ingosstrakh as their partner and are ready to cooperate with it. It is worth noting that not all insurance companies become official partners of large banks (Sberbank, VTB, Gazprombank and others).
• Financial protection for real estate can be purchased online on the company’s website.
• Other types of insurance are issued at the bank office when receiving a mortgage or through an insurance agent. The purchase of the policy takes place within 1 day; the client will need a small package of documents.

The main point of concern for a mortgage borrower should be the reliability of the insurance company. If an accident occurs, the client must be confident that his loan will be repaid by the insurer.

Ingosstrakh offers the possibility of preliminary calculation of insurance premiums. The calculator takes into account the following parameters:

• the amount of the loan provided;
• characteristics of the property;
• previously completed transactions on the property, including their purity;
• parameters of gender and age, level of health;
• creditor's requirements.

As a result, you can obtain accurate data on the amount of payments that are valid throughout the entire loan period.

Mortgage insurance at Ingosstrakh: where is it cheaper to get it?

The client has the opportunity to obtain life, property and title insurance when taking out a mortgage. Many factors are taken into account. Ingosstrakh provides the possibility of insurance in different banks, taking into account the basic parameters of the client, real estate and loan.

Let's consider 2 examples - a 38-year-old man in good health and working in a law enforcement agency, a woman of the same age as an estimating engineer. The object in question is an apartment on the secondary market on the 5th floor and has been owned for more than 5 years. The following payments are established:

• Sberbank. A comprehensive package for a man is 46,718 rubles, for a woman 36,448 with a contract period of 1 year.
• VTB. With a similar period for a man - 72418, for a woman - 46176.

As a result, the insurance premium is largely determined not only by the identity of the borrowers, but also by the conditions of the banks.

When applying for a policy online on the Ingosstrakh website, a 15% discount is provided to Sberbank borrowers. For example, the cost of insuring collateral on a mortgage of 3 million rubles with the same insurance coverage is 5,294 rubles.

When purchasing a policy on the official Ingosstrakh portal, you need to pay 4,500 rubles. The savings will be 794 rubles. Calculations are preliminary and may differ from the cost of insurance in each specific case. Purchasing at the company’s office will cost more, but by agreement a discount can be made for regular policyholders.

"Ingosstrakh" - Types of mortgage insurance: apartments and houses

Ingosstrakh offers ample insurance opportunities if a mortgage is taken out when purchasing real estate. There are two main programs - “Mortgage Insurance” and “Rosvoenipoteka”.

Standard mortgage insurance provides property, life, and title insurance. The amount insured is from 100 thousand to 10 million rubles. The program is accepted by most major banks. Payments start from 150 rubles per year.

Rosvoenipoteka is specially designed for clients who buy real estate under the Military Mortgage program. The amount insured is from 200 thousand to 5 million rubles. Payments start from 180 rubles per year.

Ingosstrakh operates the following mortgage insurance programs:

• Property (collateral) insurance.
• Life and health insurance.
• Title Insurance.
• Rosvoenipoteka. Only the apartment is insured; the Ingosstrakh policy is accepted by all banks participating in the military personnel lending program.

If desired, the client can sign up for a comprehensive financial protection program. Its purchase is more profitable than purchasing individual policies. The cost of each option is calculated individually depending on the terms of the loan agreement.

How not to make a mistake when choosing an insurer?

When choosing an insurance program, it is important to focus on a company that has been operating on the market for a long time. You need to be sure that if an insured event occurs, payment will be made.

As soon as the loan agreement is drawn up, the borrower begins choosing an insurance offer. You must read the terms and conditions. Many people focus on the size of the payment, but this is not always correct.

Choosing the right insurer for financial protection of your mortgage is very important. This determines whether the client will receive an insurance payment if an unforeseen event occurs.

What to look for when choosing:

• Level of reliability in the rating of insurance companies.
• Large payments made recently. Typically, information about them is indicated on the company’s website and other official sources.
• Reviews of those who have used the mortgage insurance service. The opinions of those clients who tried to receive insurance compensation should be taken into account.

An insurance company must first of all be reliable. Even large companies can provide more favorable conditions than new players. For an accurate calculation, fill out an application on the website or contact the manager. He will make calculations and describe the conditions of interaction.

What happens when the insurance is not paid by the borrower?

If a late payment is detected within 1 month, the borrower receives a notification about the need to pay. As a rule, banks do not go to court over unpaid insurance payments.

They are worried about the safety of their property, since if loan payments are not received, the property is confiscated. It must remain in its original form and not be damaged. An insurance company can save you from this by compensating your investment when an insured event occurs.

If the policyholder has not contacted the insurance company to renew the mortgage insurance, Ingosstrakh transmits the relevant information to the bank. Further actions take place on the part of the lender in accordance with the terms of the mortgage agreement.

You can renew the contract online on the Ingosstrakh website:

The consequences for the borrower will vary depending on the type of policy:

• Collateral insurance. Due to the fact that the availability of a policy is a mandatory condition of the loan agreement, the bank has the right to impose penalties. The worst-case scenario would be a one-time demand to repay the entire amount of the debt and a trial.
• Life, health and title insurance. The policy is issued voluntarily, but the bank has leverage over the borrower for an uninsured loan. Most likely, the terms of the loan agreement stipulate an increase in the interest rate. This is exactly what the lender will do after being notified of non-renewal of the mortgage policy.

If you decide to switch to another insurance company, be sure to notify the bank that issued the mortgage. Or make sure the new insurer passes on the information to your lender.

"Ingosstrakh" - Insured event on mortgage property, what to do?

If an unexpected incident occurs with the insured property, many clients do not know where to go and what to do. Ingosstrakh has developed detailed instructions for the following situations:

Property

In the event of damage to the insured mortgage property, perform the following actions:

1. Contact the competent authorities - the police, the Ministry of Emergency Situations, the fire department, depending on the circumstances.

2. Within 3 days, report the incident to the insurance company. In the event of significant harm to health or death, the client must notify the insurer within a month (if there is a life insurance policy).

3. Obtain supporting documents from government agencies and provide them to Ingosstrakh.

4. Until the insurance company’s employees inspect the property, it should be kept unchanged. An exception is the situation when there is a threat to the lives of family members of the borrower or other persons, for example, the risk of collapse of structures.

For all telephone numbers and a list of documents, see the section “ Insured Event ” (ingos.ru/incident/mortgage).

It is advisable to coordinate the procedure with representatives of Ingosstrakh. This can be done by calling the hotline number, which is listed on the official website. For regions of Russia the following number applies: 8-800-100-77-55.

It is important to provide complete information about the amount of damage, its causes and consequences, as well as its nature. It is required to describe the events that occurred and express complaints.

Life and health

If damage occurs to the borrower's health, the following actions are taken:

• seeking medical help;
• notifying the insurer of the incident 3 days or 1 month in advance if the borrower died or became disabled.

Loss of ownership rights (Title)

If the damage occurs due to loss of title, the policyholder notifies the insurance company by calling the hotline.

Insurance compensation is paid in the following amounts:

• Complete loss of property. The remaining debt to the bank is fully repaid.
• Partial loss of property. Payment is made in the amount of expenses necessary for restoration.
• If a death occurs or the policyholder receives a non-working disability group, a payment is made in the amount of the insurance premium.
• When temporary disability occurs, 1/30 of the monthly premium is paid for each day of the period of inability to work. In this case, the amount cannot be more than 0.2% of the insurance payment.

If there is a restriction or termination of ownership, a share of the insurance payment is indemnified, which proportionally corresponds to the insured property.

Application forms for mortgage insurance: ingos-strahi.ru/obraztsy-zayavleniya-po-imuschestvu.

Ingosstrakh mortgage insurance calculator

You can calculate the cost yourself using the mortgage insurance calculator. Enter the following data into the special fields of the calculator and within a couple of minutes you will receive an answer:

• Select the type of object (apartment or house).
• Select the bank where you plan to get a mortgage.
• Enter the amount of remaining debt to the bank.
• In the “Annual mortgage rate” field, indicate your percentage.
• Please indicate whether you have ownership rights.
• Enter your age (date of birth).
• Select the desired gender (female/male).
• Press the “calculate insurance” button.

The mortgage insurance calculator allows you to think in advance about what risks to include in the policy in order to get the optimal cost, and which insurance company is best to choose.

If you have any difficulties with calculations or questions about mortgage insurance, call our specialist at +7 499 322-14-22.

Customer reviews about mortgage insurance at Ingosstrakh

Reviews from Ingosstrakh clients posted on independent portals are not nearly as encouraging as those on the insurer’s website.

The company is recommended for cooperation by only half of all those who left their opinion on the Internet.

The main problems faced by mortgage borrowers:

• Unprofessional service.
• Imposition of additional products.
• Long time for reviewing documents related to an insured event.
• Violation of payment terms.

It is noteworthy that there are few complaints about the lack of mortgage insurance payments.

"Ingosstrakh" - Accredited mortgage insurance companies

Ingosstrakh is accredited by almost all banks that issue mortgage loans. Among the company's regular partners are: Sberbank, VTB, Gazprombank, Rosselkhozbank, AHML and others.

Each bank has its own accredited companies. You can find out which ones are included on the credit institution’s website:

• Sberbank - sberbank.ru/credit_org/ins_comp_prop.pdf;
• Rosselkhozbank - rshb.ru/download-file/300241/1.pdf;
• Moscow Credit Bank - mkb.ru/about/insurance-company;
• Promsvyazbank - psbank.ru/Insurance;
• Raiffeisen - raiffeisen.ru/retail/insurers/;
• VTB - docviewer.yandex.ru/auto_accredited_companies.pdf.

In addition, Ingosstrakh mortgage policies are accepted by lenders working on military mortgages. This means that the company has long-term relationships not only with major representatives of the financial market, but also with government agencies.

Ingosstrakh is one of the best Russian insurers, which is one of the systemically important companies of the state. The organization has an extensive network of conveniently located offices. They are intended to serve citizens and legal entities. Offers a line of unique products.

The company takes its reputation and the products it offers seriously, which is why it is accredited by many Russian banks to provide mortgage insurance. Any major bank will offer to take out insurance from Ingosstrakh, as it is a reliable partner.

What mortgage insurance is required?

Legislation establishes the obligatory nature of an insurance policy on the collateral for a mortgage loan, i.e. for an apartment to be purchased or one already owned by the borrower, in one case – from emergency situations (Article 31, paragraph 2 of the Law No. 102-FZ “On Mortgages”). This insurance will allow the borrower not to suddenly be left without housing and with loan payments for 10 years.

Note that the conditions for the insurer to assume the debt obligations of the borrower in the event of an insured event are included in the contract individually. Most often, when protecting residential real estate, insured events indicate:

• natural disasters (fire, lightning strike, etc.);
• accidents on utility lines (domestic gas explosion, flooding, etc.);
• illegal actions of third parties committed in violation of the law (hooliganism, vandalism, robbery, etc.).

Other types of mortgage insurance, such as title loss insurance and life insurance with the health of the loan recipient, are optional

. Those. you can refuse. However, their registration, on the contrary, can result in benefits for the client of the mortgage bank (see below).