ИПОТЕКА Lite (ИПОТЕКА Лайт)

ИПОТЕКА Lite

About this app

IPOTEKA Lite is a mobile service for optimizing mortgage costs. Works throughout the territory of the Russian Federation.

The need for an application arises at the assessment stage for the bank, and then, for the entire period of the mortgage:

• for timely insurance at minimum rates
  
• reducing the interest on the loan (the system will warn about the possibility of "maneuver")
  
• tax refund (personal income tax)
  

Program partners: insurance companies (7 pcs.), banks (10 pcs.), appraisal companies (7 pcs.), companies accepting apartments from the developer - 16 pcs. That is, all those on whom the cost of servicing a mortgage may depend (the relevance of the number is January 2023)
The program also included chain stores of furniture and building materials (HOFF, OBI and others).

Participants of the program - mortgage clients of any bank.


More about IPOTEKA Lite:

IPOTEKA Lite helps to reduce the mortgage loan rate through refinancing, helps to significantly reduce the cost of compulsory mortgage insurance, return taxes on bank interest and receive a property tax deduction.

How it works:

Few people know that 90% of mortgage loans become not the most profitable within a few months after issuance. And even fewer people are exercising their right to periodically review costs and reduce the cost of servicing their mortgages. And do it at no cost.

Example: if you took out compulsory mortgage insurance "life and health" or "constructive" at the bank, then through the "MORTAGE Lite" application you will be able to cut regular payments for insurance by half, and sometimes even three times!


Ways to save money:

1. Mortgage refinancing
There is a whole list of banks at your choice, contacting which through IPOTEKA Lite will allow you to reduce the mortgage rate. The system will tell you which bank is more appropriate to contact in each individual case.
It is important to note: you should not hope that the bank in which you have now taken a mortgage will offer you the best loan agreement conditions on the market. If you want to save money, refinance, but do it wisely!

2. Transition to an independent insurance company, at corporate rates
Using IPOTEKA Lite partnership agreements with insurance companies accredited by banks, it is possible to issue new or extend old insurance every year on conditions below the market.
Just install the application and be surprised how easy it is to issue a policy!

3. Order an independent appraisal service for obtaining ownership of an apartment (or refinancing a mortgage) in one of the appraisal companies accredited by IPOTEKA Lite.
Firstly, it will be cheaper, and secondly, it will be much easier and safer.

4. Refund taxes paid during the mortgage
The property deduction, as well as taxes on mortgage bank interest, reach significant amounts. The maximum refund amount is 650 thousand rubles.
In the MORTGAGE Lite application, your return will be handled by a professional accountant who knows how to EFFECTIVELY return taxes and not miss anything.

Directly in the application, you can use the on-line service for generating an extract from the USRN (as well as check the correctness of the entry in Rosreestr about your property for errors), collect a penalty from the developer by a professional lawyer accredited under the IPOTEKA Lite program.


Only for residents of Moscow and Moscow region:

The IPOTEKA Lite service allows you to receive discounts on goods and services of building materials, furniture, etc. stores. The following stores are connected to the system: HOFF, OBI, Stolplit, Kitchens Maria and other stores.

Principle "MORTAGE Lite":
Due to the large number of clients of the service, partners (insurance companies, appraisal and law firms, design bureaus, etc.) are ready to reduce the cost of their services. At the same time, the service allows you to choose the best among the performers, based on the cost, terms of the service and reviews. On the site www.ipoteka-lite.ru you can read detailed reviews of system users in social networks.