Mortgages for the construction of a private house: profitable offer

click fraud protection

SHARE
in social networks

FacebookTwitterOkGoogle+PinterestVk

Private house is the most priority one residential property for many people. However, not everyone has the necessary large sum of money to realize their dream. We have to consider all possible options for the loan. One of the most reasonable solution is to mortgages for the construction of a private house, which discussed in detail in this article.

Mortgages for the construction of a private house: profitable offer for housing

Mortgage is one of the most common types of loan for construction of a private house

Content

  • 1 Variants of loan for construction of houses
  • 2 Conventional mortgages for the construction of a private house
  • 3 The scheme for obtaining a mortgage and the required documents
    • 3.1 The package of documents on the collateral object
  • 4 Processing of loan for construction of houses in the Savings Bank
    • 4.1 On what conditions registration in the Savings Bank loan for the construction of a private house?
    • 4.2 Interest rates in 2017 to obtain a mortgage in the Savings Bank for the construction of a private house
  • 5 Terms of registration in the Agricultural Bank loan to build a house
  • 6 VTB 24: mortgages for the construction of a private house
  • 7 Do the mortgage to build a house with other banks?

Variants of loan for construction of houses

Before you take out a loan to build a house, it is necessary to consider all the options that are offered by major banks. There are certain programs that have good conditions, but more demanding. After all the calculations it is possible to choose the most appropriate solution.

Many banks provide a loan for the construction of a private house

Many banks provide a loan for the construction of a private house

Many large banks are now offering several options for getting cash loan for the construction of a private house:

  • conventional mortgages;
  • consumer credit;
  • mortgage, assuming the conclusion of pledged supplementary agreement on private property;
  • mortgages using the maternity capital.

Each of the options has its significant advantages and disadvantages.

Consumer credit for the construction of private homes involves the shortest term of the application. This requires the provision of a minimum list of documents. Credit is misused, so the bank is not interested in the question about the purpose of funds. However, despite this, there are a number of disadvantages:

  • high interest rate, which reaches 20%;
  • loan is granted for 10 years;
  • the maximum amount of money reaches 2 million. rubles.
Young families often use the funds from the maternity capital to build a house

Young families often use the funds from the maternity capital to build a house

This is a good solution for processing the loan for the construction of suburban area.

For the construction of a country house with a mortgage registration of the pledge agreement as opposed to consumer credit is more advantageous option. You can expect to receive more meaningful sum of money, which is limited to the value of collateral. It is issued for a longer period - up to 30 years. Interest on loans is on average 18%, and as collateral own apartment can act, land or residential property.

Another solution, which is often used by young families, is the use of funds from the maternity capital to loan to build a house. These funds may be used to implement the first payment or settlement contract body. The certificate can be used immediately after it is received.

At the time of registration of the application for the mortgage borrower provides the employee a certificate of the bank. After that, the bank representative should contact the Pension Fund and to clarify the balance of the money to be transferred to pay off credit debt.

When a large loan amount the bank requires collateral

When a large loan amount the bank requires collateral

Important!All the required documents the borrower offers not only the bank, but also to the pension fund from which will be held accrual.

Conventional mortgages for the construction of a private house

Mortgage on the construction of a house is now one of the most popular loan programs, which provide many of the major banks. To obtain it there are a number of requirements, but the main condition is the suitable financial well-being, which corresponds to the requirements of the bank.

Get on the construction of parts of the home mortgage loan on a large Russian bank can, as a citizen of the Russian Federation, as well as representatives of other states, has reached the age of 18 years. The loan involves the implementation of the first installment in the amount of 30% and compulsory mortgage of immovable property possessed by the borrower. Also as collateral can be a purchased object. The crediting period is 30 years.

As guarantors may be drawn to 3 co-borrowers. If the borrower falls under the conditions of "young family" credit program, as guarantors of his parents can become mortgage.

The loan is provided, making it possible to carry out a phased payment for construction work

The loan is provided, making it possible to carry out a phased payment for construction work

Important!Civil servants, young families, payroll bank clients receive preferential treatment, which significantly affect the interest rate on the loan.

On the construction of a house loan is granted certain parts, so the title of tranches. This allows for a phased payment for construction work. repayment of the loan scheme is the annuity, which involves monthly to make payments in equal installments.

The main advantages of a mortgage loan for the construction of the house are:

  • This takes into account verified and informal forms of income;
  • a long period of the loan;
  • low interest rate of 9%;
  • ability to attract several guarantors;
  • eliminating the need to Compulsory Life Insurance;
The Bank provides a loan to build a house in several tranches

The Bank provides a loan to build a house in several tranches

  • the possibility of early release or partial early repayment of credit debt with the implementation of the allocation without bank commission;
  • the possibility, if necessary, to get a reprieve to pay.

The scheme for obtaining a mortgage and the required documents

Mortgages for new construction has a special purpose. Funds spent on the construction of a specific object and are strictly controlled by the bank. Loans issued units. For the second part of the report should be submitted in the first part of the money.

registration procedure of the target loan to build a house involves the following steps:

  • feeding into bank statements;
  • preparation of the necessary documents relating to the first installment;
  • conclusion of the contract and receipt of the loan;
  • the provision in the report of the bank for your buck;
To obtain a mortgage, the bank must provide certain documents

To obtain a mortgage, the bank must provide certain documents

  • receive the next part of the loan;
  • paperwork for ownership of the object construction;
  • transfer as collateral to the bank construction project in order to reduce the interest rate.

Important!As a document for a report for the consumed amount of the available contracts with construction companies, suppliers of materials, checks and receipts with wet seals of legal persons.

In order to take on the construction of home mortgage is required to prepare certain documents:

  • a passport and a copy of the document with a registration of the borrower and any guarantors;
  • certificate of employment earnings;
  • all documents relating to the collateral;
Submitted documents are carefully checked by the bank

Submitted documents are carefully checked by the bank

  • all documents for the construction, including the plan of the future house, project documentation and cost estimates;
  • a document confirming the availability of funds for a down payment.

This is a basic list of documents, but the bank may require and other papers individually. This can be indifikatsionny code, driver's license, military ID, diploma of education, a copy of the TC, the inquiry about the state of the personal account, the marriage certificate, passport.

If the borrower has extra income, you must provide a statement from the payroll or bank debit card. In the case when the borrower is the owner of the company must provide a copy of the statutes and founding documents. When the client is a PI, to confirm his income tax return is required, an extract from the personal bank account and a copy of the cash book.

When the parents of the borrower are its guarantors, must be able to document the fact of their relationship with the client.

Borrowers must necessarily determine the guarantor

Borrowers must necessarily determine the guarantor

The package of documents on the collateral object

On the construction of a house mortgage loan is granted bail of one of the objects:

  • apartment;
  • plot of land where the object is located construction;
  • real estate, which will be built or acquired.

In the case of taking out a loan secured by the apartment house construction in an application must submit the following documents:

  • the original certificate of ownership of an apartment;
  • originals cadastral and technical passports;
  • an original extract from the Unified State Register, which must not be older than 30 days, which indicates the presence or absence of encumbrances;
  • original expert-appraisal report on the actual value of the apartment;
  • the original marriage contract, if any;
  • original notarized declaration of the absence of marriage.
Often take out a loan to build a house on the security apartment

Often take out a loan to build a house on the security apartment

When the borrower has received from the Bank's prior approval, he must submit the necessary documents relating to the initial payment and the construction of the facility.

Confirmation in order to allow the initial contribution is an extract from the personal bank account of the client, where It contains the required amount or a document confirming payment of a certain part of the construction project, which is taken credit.

Related article:

Beautiful Houses: projects with a successful design and internal layout

Projects of cottages with a unique design and popular architectural solutions. Advice on the development and selection of the optimal layout of the building.

Processing of loan for construction of houses in the Savings Bank

Constant leader to issue a mortgage on the building of houses is a Savings Bank. It offers clients a very competitive and affordable loan terms. However, in comparison with the purchase of finished housing is raising interest rates. Its size depends on the amount of the first installment and term of the loan. Min Rate Interest reaches 12.5%. There are other benefits at the time of the mortgage for the construction of a private house. Sberbank is the following conditions in lending:

  • the minimum amount of the first installment should be not less than 25%;
  • Bank clients are offered the most advantageous and improved conditions for obtaining a loan of money;
Each bank is different conditions for lending

Each bank is different conditions for lending

  • when considering the application and maintenance of the loan commission is not charged;
  • for early repayment of credit debt penalties are not provided;
  • the possibility of repayment of the loan at the expense of the parent capital or funds provided by the state program providing housing for young families of their own;
  • individual approach considering each application;
  • to obtain the maximum amount of money can bring guarantors;
  • given the opportunity to design a tax deduction of 13% of the total amount of interest paid;
  • possibility of registration of deferred payment of principal on the loan for a period not exceeding 3 years.

Delaying payments on the loan is beneficial condition that allows the early years to pay only the interest, and the funds available to spend on additional construction costs.

Some banks offer deferral of payments on the loan

Some banks offer deferral of payments on the loan

On what conditions registration in the Savings Bank loan for the construction of a private house?

Since the beginning of 2016 to get the Savings Bank for the construction of home mortgage can be only in rubles. The minimum amount of money is not less than 300 000 rubles. The maximum size will not exceed 75% of the cost of future home or on the price of the collateral object. The missing 25% will need to make as an initial payment.

Every mortgage has a special purpose, so all the money must be directed solely to the construction of the house. It is strictly controlled by the representatives of the bank. Credit may issue as a citizen of Russia and other countries. The term of repayment of the loan depends on the age of the borrower, which at the time of repayment of the debt should not be more than 75 years.

Continuity of employment for the last five years should be about 1.5 years at the same place. The property, which will serve as collateral must be insured at the time of repayment. If the loan is repaid ahead of schedule, provided cash back for the unused period of insurance.

If the monthly repayment of the loan, you can pay any sum of money, which must be greater than the amount set by the contract. Adding the final amount for early repayment is done at the request of the borrower only on a weekday.

If the loan is repaid ahead of schedule, Sberbank refunds for unused time

If the loan is repaid ahead of schedule, Sberbank refunds for unused time

Interest rates in 2017 to obtain a mortgage in the Savings Bank for the construction of a private house

Interest rate on the basis of the period has issuing mortgage and size of the first installment. It can vary according to the decision of the bank's management, however, this is possible only at the stage of processing the loan. Once the loan contract has been concluded, it ruled out the possibility of changing credit rates.

When the first payment is 50%, the percentage depends on the loan period. The minimum size is 12.5% ​​when repayment of the loan for 10 years. The percentage reaches 12.75% for the crediting period of 10-20 years. If a cash loan is issued for a period of 20-30 years, the interest on the loan is 13%.

If the size of the initial contribution ranges from 30 to 50%, while the interest rate on the lending period to 10 years is 12.75%, 10-20 years - 13% of 20-30 years - 13.25%. If the minimum fee of 25% percentage is 13%, 13.25% and 13.5% at the above-mentioned credit periods respectively.

Important!These interest rates are relevant for the borrowers who have payroll card in the Savings Bank. For others, these figures will increase by 0.5%.

The percentage depends on the loan period and of the amount of the first installment

The percentage depends on the loan period and of the amount of the first installment

If the client refuses to insure the health and lives of the bank's request, the percentage increased by 1%. In any branch of the Savings Bank to calculate the loan to build a house with the definition of the exact amount and the interest rate can be absolutely free after submitting an online application.

Terms of registration in the Agricultural Bank loan to build a house

The Agricultural Bank has no separate programs for each credit facility. Conditions are set individually in accordance with the request and the quality of the borrower. Arrange a mortgage can a citizen of Russia at the age of 21 to 65 years, having a steady job and stable financial income. Work experience should be about 5 years.

Credit for the construction of the house is available for a period of 3 to 25 years. Long-term repayment does not bear interest, fees and fines. Amount primary contribution should be at least 15% of the total. The minimum amount for a mortgage is calculated from 100 thousand. rubles, the maximum depends on the borrower's income and charged no more than 2 million. rubles.

As collateral can be any insured property. When signing the contract, you can bring up to three guarantors. Interest Rosselkhozbank varies from 7.5% to 13%. The most effective solution is a program implemented with the support of the state. Here the percentage of the loan is only 11.3%.

Employees of any branch of Rosselkhozbank will help to calculate the loan to build a house

Employees of any branch of Rosselkhozbank will help to calculate the loan to build a house

Agricultural Bank provides an opportunity to draw a maternity capital loan to build a house that can be used as an initial payment or to repay the loan. However, it does not provide favorable conditions. To use this program you must submit an application to the Pension Fund with a request to dispose of the means to repay the debt under the credit agreement. Once approved for a certain amount will be automatically credited to the account to the credit agreement that will serve as the basis for the implementation recalculation of the monthly payments.

Detail calculate Rosselkhozbank loan to build a house is possible in any branch of it, where there is an individual approach to the client. bank officer will inform on possible options for processing the loan.

VTB 24: mortgages for the construction of a private house

The bank has a special program that allows you to get a mortgage on the security of land. The main condition is that the land under the building should be the private property of the borrower, which in the hands must be the appropriate document.

It is possible to take out a mortgage on the security of land

It is possible to take out a mortgage on the security of land

The Bank provides loans from 6 months to 30 years in the amount of 490 thousand. rub. to 5 Mill. rubles. Interest on loans, there are in the amount of 12.75%, but it can reach 17.15% in the case of late payments. On the basis of the program to obtain a mortgage on the house construction VTB 24 does not require implementation of the initial payment. It also does not take into account the borrower's income. Online application will be considered by the bank within 3 days.

The loan can also arrange a citizen of the Russian Federation aged 21 to 60 years, who has worked at least one month on the last job. The land can act on it, or property as collateral, which was insured.

Important!These terms are in Moscow. In other cities of Russia conditions and interest rates may be changed.

VTB 24 provides the right to receive cash loan to build a house in the amount of 400 thousand. to 3 Mill. rubles for a period of 13 months. up to 5 years. However, the percentage here there are at least 17%.

Make a request for a loan of money as you can in the bank branch or over the phone

Make a request for a loan of money as you can in the bank branch or over the phone

Useful advice!Cash loan is misused, so the amount of money received can be used not only to build a house.

A request can be issued to the bank's website, by phone or in any of its department. A positive solution of the borrower will be notified by SMS. Next, you need to provide a list of documents and on the third working day to get a cash loan. If the borrower is a salary, you can get the money on the day of filing of the application, which is treated immediately.

Do the mortgage to build a house with other banks?

The construction of a country home mortgage can be obtained from Gazprombank, which provides customers with the ability to take 300 thousand. to 4.5 Mill. rubles under 15% per annum for 30 years.

Borrower shall furnish all necessary documents, the list of which should necessarily be a document proving the ownership of the land intended for future construction. Project documentation on the house should be made the official construction company that is licensed. representative of the bank will carefully examine the solvency of the borrower through his credit history. After receiving a positive response to his application a client can expect to receive the first part of the money, which are exclusively earmarked.

Offers banks allow you to select the most suitable option for anyone who wants to get a mortgage to build a house

Offers banks allow you to select the most suitable option for anyone who wants to get a mortgage to build a house

Raiffeisen Bank provides opportunity to get untied loan at 17% per annum for 15 years in an amount not exceeding 60% of the value of the pledged property, but not more than 9 million. rubles.

Rosbank provides mortgages for different types of housing, including possible to issue a loan to build a house "turnkey" for 25 years. Here there are a percentage of 11.75%. As a deposit, the bank accepts only its own property. Land or not dostroy for such purposes is not appropriate. The size of the initial payment should be 15% or 10% for the participants benefit programs.

obtaining mortgages for the construction of new private houses is the most appropriate solution for those who do not have sufficient financial capacity to buy a house for their own money. It is advantageous, but also a risky operation, which requires observance of certain conditions. Therefore, you should be aware of the various options for a loan in different banks to choose the most suitable and acceptable offer.

instagram viewer