Against the backdrop of the ever-increasing interest of buyers in suburban real estate, today more and more banks are beginning to provide loans that help buy with mortgage m. This article will help you understand the features of such a banking service and get acquainted with its basic conditions.

It must be said that acquisition lending individual houses Until quite recently, banks were not very interested: the negative attitude of creditors towards this type of service that developed after the 2008 crisis was due to a sharp decrease in the liquidity of residential buildings and a simultaneous increase in the number of debt defaults. But financial situation the country is gradually stabilizing: the number of people not only wanting to purchase a house with a mortgage is increasing, but also those who have the opportunity to do so; lending risks are reduced - and banks are beginning to intensively develop this area, offering flexible programs and easing mortgage conditions.

Differences between “apartment” mortgage and “country” mortgage

An apartment, like an individual residential building, is a piece of real estate. So why do banks give loans for the purchase of an apartment with pleasure, but even today they do not always give a loan for the purchase of a house?

To answer this question, you need to understand and understand: what is the goal for the bank? Of course, making a profit. It is very important for the bank that the client pays correctly. But if the borrower cannot return the money, then the lender resorts to securing the fulfillment of the obligation - taking the collateral. And the higher the liquidity of the collateral, the faster bank will get your money back. As a result, a major influence on the attractiveness of a particular type of real estate lending is the liquidity of the collateral, which, in most cases, is the mortgaged property.

The current conditions in the real estate market make it possible to sell an apartment within the city much faster than Vacation home. This is due not only to its “urban” location, but also to the individual characteristics inherent in a private house: the apartment is “universal”, and the house has its own architectural and engineering features, created at the request of the owner.

It is quite natural that what one person likes is not always to the taste of another. Therefore, if the bank has to sell the property, it may take quite a long time until a new owner of the house is found - someone who will like it. And the bank will not only not be able to quickly return the money, but will also incur costs for maintaining this asset.

Another difference between a house and an apartment is the presence of land on which it is built. In most cases, when buying a house, the buyer also purchases a plot of land, which is a separate piece of real estate. The purchase of land is regulated by its own legislative acts, and the procedure itself is still quite lengthy and has a number of difficulties.

The problem of obtaining a mortgage for a country house is also the difficulties associated with its assessment: in in this case not only the cost of the building itself is analyzed, but also the cost of the land plot. The following are taken into account: distance from the city, direction, prestige of the place, availability of communications and access roads, reservoirs and infrastructure and many, many other characteristics.

The difficulty of assessment also lies in the fact that each house is individual, and therefore it is impossible to find “correct” analogues for such objects. If the property being assessed is located in a cottage community, then it is easier to establish its market value. But a small house located somewhere in the wilderness will cause a lot of difficulties for the appraiser. Difficulties with the assessment and its subjectivity, in turn, will not please the bank, since doubts will arise about the reliability of the value of the object. The bank has doubts - it is more difficult to get a mortgage.

Another mortgage problem country houses are considerable additional expenses on their insurance: after all, if the house being purchased is collateral, it must be insured, and this will increase the already considerable cost of acquiring a country property. By the way, the borrower’s refusal to insure real estate may not be an obstacle to obtaining a loan, but it will definitely increase the risk of the transaction for the bank, and therefore will entail an increase in the interest rate on it - it will be about 16-20%. In addition to home insurance, the bank will most likely require insurance for the borrower's life and disability. You need to be prepared for this.

Houses with a mortgage

The bank agrees to finance the purchase of not every residential building:

• The materials from which this house is built are of great importance, and this is not surprising - the properties of the material of a particular structure directly affect the durability of the house. Preference is given to brick and stone houses with a poured foundation, but wooden houses practically do not inspire confidence among creditors.
• The condition of the house is taken into account: does it need major renovation or minor cosmetic improvements. It is clear that no one will immediately move into a dilapidated, long-abandoned house; first, they will need to invest additional funds in it.
• Buildings located in cottage villages, are easier to credit than houses in remote villages. And what matters here is not only the access roads, but also the prestige of the area: no one can guarantee that if the bank is forced to sell this property, there will quickly be someone else who wants to retire hundreds of kilometers from civilization, where you can only get there by an SUV passing everywhere.
• The presence of centralized communications or at least the possibility of connecting to them is taken into account. The majority of people are still attracted by the benefits of civilization: few people want to carry water in buckets from a common well and look at a flashing light bulb connected to a generator. If water, electricity and gas cannot yet be brought to the house, then it is desirable to have a modern replacement for a centralized connection.

This is why you should not make a down payment on a house until you have received the bank's consent to purchase it. And, even if it seems to you that all the conditions are ideal for both parties, there is no absolute guarantee that the bank will agree to purchase this particular house. It is quite possible that the bank will be satisfied with your candidacy as a borrower, but you will have to look for another house.

Who can get a mortgage

The main requirement for a candidate to obtain a mortgage for a country house is his solvency. And since the amount given is very considerable, the salary in this case should be quite high. When considering the possibility of issuing a loan, banks take into account not only official income, but also the prospects of the borrower at his place of work, as well as the reputation of the employer himself.

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The most successful age for applying for a mortgage is considered to be from 35 to 45 years. At this age, a person already has a certain stability, he achieves certain successes at work, and proves himself to be a specialist who, even if he loses one job, can easily find another. And retirement is still a long way off.

If own income turns out to be not enough, you can attract co-borrowers, whose income will also be taken into account by the bank when making a decision on issuing a loan. Let us remind you that spouses, by law, become co-borrowers and co-owners of the purchased real estate automatically (unless the marriage contract indicates otherwise). Co-borrowers can be not only relatives and individuals, but also any other citizens, as well as organizations (for example, an employer).

Loan collateral

A mortgage for a country house is impossible without collateral, to which the bank puts forward the main condition: its assessed value should be a little more (10-15 percent) of the amount received credit funds. Very often, people expect to take out a mortgage on the security of the property that is being purchased with it. However, the bank may not agree to this if the house seems low-liquidity to it. In such cases, the borrower can pledge other property - for example, an apartment within the city.

The property pledged must be free of any “problems” or encumbrances. According to the Law “On Registration of Rights to Real Estate” (Federal Law No. 122 of July 21, 1997), any changes in rights to real estate, information about transactions with it are entered into a special Unified State Register. From it you can find out about all the rights holders to the house, as well as about the possible presence of restrictions. The procedure for obtaining a mortgage may be delayed due to a meticulous check of all title documents if the house for sale has had several previous owners.

As additional enforcement measures credit obligations The bank may impose a requirement on the borrower to attract a guarantor. For what? If the borrower becomes insolvent, the remainder of the loan will be paid by the guarantor instead. However, in the future the guarantor may make a recourse claim to the borrower for reimbursement of his expenses. But if the latter does not have the money to repay the debt to the bank, then it is unlikely that they will suddenly appear to pay off the guarantor. If size mortgage amount is large, then you can attract several guarantors and share the responsibility between them jointly.

Land and mortgage

A country house stands on land, therefore, along with the rights to the house, the rights to the land must also be transferred. Since in this case there are actually two real estate objects, the procedure for checking documents and registering the transfer of rights becomes longer and more complicated. As we have already said, land registration today has not yet become a problem-free process. The relatively recently entered into force law “On state cadastre real estate" (Federal Law No. 221 of July 24, 2007) has not yet made it possible to develop a clear mechanism of action in this area of ​​legal relations: paperwork and bureaucratic delays make the process of registering a land plot a long procedure with a lot of difficulties and surprises.

In addition, the plot of land is not always owned by the seller of the house - he can also rent it, and this will entail the renewal of the lease agreement to the new owner of the house. However, there are no guarantees that such re-registration will take place.

Land in general can be common property: in some settlements all objects are built on a single plot, and no division is made for each house. However, banks are extremely negative about the situation common property to the ground. The reason is the same numerous difficulties in selling the property in case of non-repayment of the mortgage loan.

Such different conditions

Price individual house can reach several million rubles or even tens. Let’s say right away that a mortgage for the purchase of a cottage, townhouse or other type country house It is unlikely that any bank will issue it without a down payment. The size of the first investment in different banks varies significantly depending on the policy of the bank itself and the period for which the loan is taken. If we talk about average figures, initially it is necessary to contribute from 10 to 40% of the cost of the property.

For small houses in a number of banks it is allowed to use maternal capital, one of the purposes of which is precisely to improve living conditions through the purchase of real estate.

Mortgage conditions in each bank also vary greatly: the lending scheme for the purchase of a country house is quite flexible. Loan rates depend (average - about 15%), mainly on the term of the mortgage and the size of the down payment. The presence of guarantors can also affect the amount of interest. As for the terms for which such loans are issued, it is 15-20 years, but some banks agree to “wait” up to 30 years.

For many Russians, the concept of “mortgage” means purchasing an apartment on the secondary or primary real estate market. In fact, banking offers are much more extensive and do not limit clients in choosing suitable housing. Today, many financial institutions have in their arsenal programs under the general name “Country Real Estate Mortgage”. These loan offers enable borrowers to buy country housing, build townhouses or country houses, and enjoy life outside the metropolis.

A mortgage for country real estate is a special type of lending in which the subject of the transaction is a plot of land, a residential building or other consumer property located outside the city limits.

The main condition is the liquidity of the selected property. This means that the house or land must be attractive to a potential buyer, and in case the borrower fails to fulfill its debt obligations, it can be quickly sold to pay off the debt.

Banks provide loans not only for the purchase of ready-made country housing, but also for construction. In this case, the terms of the contract will stipulate mandatory requirements to the building being constructed.

Requirements for land and house

Each financial institution can independently create and expand the list of requirements for a mortgage lending facility. But the main ones are the following:

1. Location. Despite the fact that a country plot of land or a house is a priori located outside the city limits, banks set an acceptable distance limit. In addition, there are requirements for the settlement itself. This should not be an abandoned village or a sparsely populated hamlet.
2. Type of land. The bank is assessing the possibility of building something on the land. Is it possible to build something on it depending on the type of permitted land use and the type of land.
3. Material of manufacture. Regardless of whether funds will be allocated for acquisition or construction cash, banks give preference to more reliable and durable materials: concrete, brick, stone, etc.
4. General condition of the property. The “younger” the building and the more expensive and high-quality repairs are, the more liquid the property will be. Accordingly, old houses without good finishing do not inspire confidence in the bank and may be rejected when considering the application.
5. Availability of necessary communications. In the purchased house, cottage or townhouse in mandatory there must be water supply, sewerage, electricity and gas supply.

A mortgage without a down payment on country real estate is only possible on the security of real estate. Simple overestimation will not help here because... it should be from 25% market value. Appraisers simply cannot make such an overestimation.

Banks that operate under this program and their conditions

Currently, mortgages for suburban real estate are available in a number of banks licensed in the territory Russian Federation. Let's look at the best loan offers.

Bank	Rate, % of	Duration, years	Amount, million	PV, % of
Raiffeisenbank	12,75	25	26	40
RosselkhozBank	11,5	30	20	10
Alfa Bank	12,25	25	depending on income	40
Deltacredit	12,25	25	depending on income	40
Uralsib	12	25	depending on income	10
Metallinvestbank	14	25	depending on income	10

Mortgage on a house with land plot has a number of features that are important to know about. Country real estate may not meet these conditions. Be sure to read our previous post about this.

Mortgage for country real estate in Sberbank

With all the wealth credit offers, the oldest and most popular bank in Russia, Sberbank, is most popular among the population. This financial institution accounts for almost 30% of total banking assets countries.

The bank provides its clients with a wide range of services, among which lending is especially popular. On favorable terms, bank clients can become owners of not only apartments, but also cozy country houses. Mortgage “Country Real Estate” from Sberbank is an effective assessment credit risks and ensuring high quality of the loan portfolio.

Conditions

A mortgage is provided for the construction or purchase of suburban real estate. The object of the transaction may also be:

• land plot that meets the bank's requirements;
• country house with land.

Important terms credit program from Sberbank are:

1. Amount of credit. Minimum value set at 300,000 rubles, the maximum is limited only financial capabilities client.
2. Interest rate. Varies from 9.5% to 12.25% depending on whether the borrower is regular customer bank and/or owners salary card Sberbank. Also, the loan rate can be reduced by 1% when insuring collateral property in companies accredited by the bank.
3. Loan terms. You can take out a mortgage on a house or its construction for a period of up to 30 years. At the same time, clients have access to early full and partial loan repayment.
4. An initial fee. To obtain a mortgage, citizens must have own funds in the amount of at least 25% of the value of the purchased property. Family capital can be used as a down payment.

The following may serve as collateral for a loan:

• acquired land plot or residential building;
• other property owned by the applicant;
• guarantee of individuals.

Benefits of the program

Sberbank borrowers who decide to become country residents can count on the following benefits from the bank when applying for a mortgage:

• no additional fees and commissions – opening and maintenance credit account, early repayment and other mandatory operations and transactions are carried out absolutely free of charge;
• special lending conditions for bank clients - if the borrower receives a salary from Sberbank or is the owner of a deposit, he can count on special loyalty (fewer documents on the application, lower interest rates, etc.);
• the possibility of attracting co-borrowers - if the borrower’s official income is not enough to obtain the desired loan amount, he can attract co-borrowers from family members to increase the mortgage;
• the ability to take into account additional income without confirming it with certificates;
• provision of credit cards - after approval of the mortgage application, borrowers may be made a special offer from the bank in the form bank card With credit limit up to 600,000 rubles.

Requirements for the borrower and the object

Sberbank has standard requirements for potential borrowers:

1. Age. The minimum age is at least 21 years, and the maximum depends on the loan repayment period and cannot exceed 75 years.
2. Citizenship. Mortgages are provided only to citizens of the Russian Federation with a passport.
3. Labor employment. The borrower must have an official place of work. In this case, the minimum length of service at the current place of work must be at least 6 months, and the total length of service over the last 5 years must be 1 year.
4. Credit history. The presence of a positive financial reputation of the borrower will be a plus when making a decision on the application.

Important! When attracting co-borrowers, the same requirements apply to them as to the main (title) borrower.

For acquired real estate, Sberbank, in addition to the standard requirements listed in the article, puts forward additional requirements:

• the presence of developed infrastructure in the area where the transaction object is located;
• wear and tear of the finished building should not exceed 60%;
• absence of any claims to the object of the transaction on the part of third parties;
• the presence of an access road to a land plot or residential building;
• correspondence internal layout home of existing technical documentation.

Application documents

Unlike other financial and credit institutions, you don’t need a lot of documents to apply for a mortgage at Sberbank. The main list looks like this:

• application form;
• passport of a citizen of the Russian Federation;
• documents confirming the availability and level monthly income potential borrower (personal income tax certificate 2 or according to the bank’s form);
• collateral documents (in the case of securing the mortgage with property owned by the borrower).

Documents after approval of the object

If the bank’s decision on the submitted application is positive, the borrower will need to provide the bank with documents for the purchased property to obtain a mortgage:

• preliminary purchase and sale agreement;
• a copy of the state registration certificate of the property or other documents confirming ownership of the property;
• documents that are the basis for the emergence of ownership rights (sale and purchase agreement, certificate of inheritance, gift agreement, etc.);
• extract from the Unified State Register of Real Estate;
• report on the assessment of the value of the property (if necessary);
• refusal of preferential purchase and sale from other owners shared ownership(in the presence of).

Registration procedure step by step

The algorithm of actions of a potential borrower who wants to become the legal owner of country real estate is as follows:

1. Initial contact with the bank. At this stage, the potential borrower fills out an application form and provides documents confirming compliance with the bank’s requirements.
2. Decision on the application. Before rendering a verdict, bank employees conduct a background check on the applicant. This may take some time, so the bank’s decision is notified within 2-5 days from the moment you fill out the form.
3. Providing a package of documents regarding the subject of the transaction. Typically, the borrower is given 2 months to find a suitable property and collect the necessary documents.
4. Signing a loan agreement. If all the documents provided meet the bank’s requirements, the loan is finalized.
5. State registration of property rights. The borrower contacts the Rosreestr authorities and registers the purchased property with an encumbrance (mortgage).

Insurance

In order to reduce the risks of loss of mortgaged property and non-repayment of the loan, the bank sets strict requirements for insurance of the property and the borrower himself. Therefore, insurance is carried out on three points:

• acquired land plot and/or building;
• life and health of the borrower;
• mortgaged property(when the loan is secured with collateral).

If you refuse life insurance, then +1% is added to your rate.

Cancellation

Mortgage payments are made using annuity payments using cash or bank transfer. The following types of payment are available to Sberbank clients:

• Sberbank ATMs;
• payment terminals;
• bank branches;
• online banking;
• branches of Russian Post and third-party banks.

Perhaps same day, both in a bank branch and via the Internet using the Sberbank-online service.

In case of delay in the next payment, the bank begins to charge penalties in the amount of 0.1-0.6% of the payment amount. If debt obligations are not fulfilled within 1 month, the bank may charge the borrower a fine (penalty) in the amount of 20% per annum of the debt amount.

In the future, non-payment may cause termination. mortgage agreement and the bank's demands for full repayment of the debt. The most deplorable result of late payments is the deprivation of purchased living space or collateral (sale of property by the bank to repay the debt).

Maternity capital and mortgages for country real estate

When applying for a mortgage on country housing or land at Sberbank, you can use maternity capital as a down payment or to repay part of the loan. But this imposes additional obligations on the borrower:

• the need to register children in the purchased property;
• the residential premises must have an area corresponding to the number of family members of the borrower (minimum 18 sq. m per person);
• the purchased housing must be approved by representatives Pension Fund(guarantor of the maternity capital certificate).

Conclusion

Mortgages for suburban real estate are practically no different from other programs housing lending. And if a little more requirements are placed on the property itself, then the result of the transaction is worth it: living outside the city, in environmentally friendly conditions, in your own home.

You may also be more interested, within the framework of which it is also possible to build a country house. You can find out more about it below.

We will be grateful for your rating of the article and repost.

Rate in rubles *

An initial fee

Credit term

We offer a wide selection of lending programs in rubles for purchasing a country house on favorable terms with a mortgage. It could be:

• residential building with land;
• townhouse with land;
• part of a house with land.

The land plot can be either owned or long-term leased. A mortgage loan for the purchase of a house is provided by the bank on attractive terms, secured by purchased or existing real estate. Parents of adult children can purchase housing with a mortgage, the sole owner of which will be their child. At the same time, the terms of lending and insurance remain unchanged.

A loan to purchase a house can be provided against the security of an existing apartment in an apartment building.

When purchasing a private home with a mortgage, you can use the “Loan on one document” program.

To apply for a loan, you just need to present your passport and fill out an application form.

You can confirm your income with a certificate from the State Services portal. Help is generated in just one click and sent to email address jar. In this case, there is no need to provide 2-NDFL and a copy of the work book. You can find out more details from the bank manager.

List of documents

By client:

• Copy of passport (all pages);
• Documents confirming income:
• for users of the State Services portal - you can confirm your income with a certificate from the State Services portal. The certificate is generated in just one click and sent to the bank’s email address. In this case, there is no need to provide 2-NDFL and a copy of the work book. If you are not registered on the State Services portal, our manager will help you register quickly. If the certificate does not indicate the borrower’s full income, you will additionally need to provide proof of income using the Bank’s form
• certificate in form 2-NDFL or certificate in bank form
• for business owners and individual entrepreneurs - tax returns, depending on the taxation system established by law, and management reporting
• a copy of the work book, certified by the employer (all pages completed), for military personnel - a certificate in the prescribed form

For real estate:

• Title documents for real estate
• Technical documents for real estate: cadastral/technical passport
• Copies of passports (birth certificates) of real estate sellers

Borrower information

Nationality: does not matter

Age: 20 years at the time of applying for a loan and not older than 64 years at the time of full repayment of the loan

Employment: credit is given to both employees and founders and co-founders of companies and individual entrepreneurs

Co-borrowers/guarantors: co-borrowers can be up to 3 people, both relatives and any third parties

Military ID: not needed

Real estate information

When pledging an existing/purchased house/part of a residential building/apartment with a plot of land (townhouse):

• The house must be suitable for year-round residence: availability of access road, power supply, central/local sewerage, provided with heating systems (including autonomous)
• Wall material: stone/brick/panel/monolithic/concrete/combined/wooden
• Floor material: metal/wood/concrete/mixed
• The house should not have unregistered extensions/superstructures, as a result of which the external boundaries of the residential building have changed
• The land plot must have special purpose: lands of settlements (settlements)/ lands for agricultural purposes and permitted use: for individual housing construction/ for country house construction/ for personal farming
• Permissible encumbrances/restrictions on the land plot: laying and operation of power lines, communications, pipelines (gas, water, sewerage)/water protection zone
• The house should not be located on lands of specially protected natural areas

When pledging an existing apartment:

• The building in which the apartment is located should not be registered for major repairs, demolition or reconstruction with eviction
• The apartment must have a separate kitchen and bathroom

The final decision on whether the collateral meets the requirements is made by the bank.

Mortgages for the purchase of a residential building outside the city are becoming increasingly popular

Mortgages for private houses outside the city - not yet the most popular product in banking market, but actively gaining popularity. This is explained by the growing popularity of private suburban buildings as a type of real estate and mortgages as a way of acquiring this real estate.

A mortgage loan for the purchase of a private home is a good solution for those who:

• tired of the city bustle and ready to change place of residence (for example, buy a cottage with a mortgage and move from Moscow to the Moscow region);
• plans to take out a mortgage loan for housing in order to take care of the comfort of living of elderly parents;
• plans to have children and increase living space in this regard;
• I would like to have a comfortable summer cottage in nature, etc.

What kind of country house can you buy with a mortgage?

In order to take out a loan to purchase a house, you must have at least 40% of its total cost. Housing must meet the requirements:

• suitability for living at any time of the year;
• there is a standard communication system;
• location with access;
• built on a plot registered for residential purposes.

Before issuing a mortgage on a home, the bank will conduct appraisals to confirm its compliance with the necessary requirements and determine the cost of the upcoming purchase. As related services, DeltaCredit arranges insurance of the client’s property against the risk of loss of property rights, collapse or structural defects.

Advantageous home mortgage options at DeltaCredit Bank

In addition to the specified service, DeltaCredit has programs where you can:

• apply for a loan for the construction of private housing;
• obtain a mortgage loan to purchase a plot for construction.

The collateral for the first type of contract will be your existing living space. You can buy a house in the Moscow region or another region with a mortgage, or you can also buy a plot of land using an apartment as collateral.

We have made every effort to ensure that our customers have the opportunity to choose when contacting banking services. There are many programs compatible with a home loan (mortgage) that will adjust the terms of the agreement in your interests.

If you want to know more about this, take out a mortgage on private housing in the Moscow region or also outside the city, but in another region, fill out the form feedback or call us. We work throughout Russia, and it is quite possible that the mortgage program will a private house from DeltaCredit today will allow you to celebrate your long-awaited housewarming in the near future.

More details

* Credit conditions affecting full cost loan (as of 02/01/2019): rates 11%-12.25%, subject to the purchase of country real estate on the secondary market with an initial payment of 50% of its market value, making a payment for a reduced interest rate in the amount of 4% of the amount of the loan, life and health insurance, property and the risk of loss (limitation) of ownership of it (the borrower has the right not to insure these risks), and depending on the credit history, loan term (3-25 years), labor activity, level of education, number of participants in the transaction, location of the collateral, type of income and ratio of income to expenses. Loan size from RUB 600,000. for Moscow and the Moscow region, from RUB 300,000. for other regions. Costs for appraisal and insurance – in accordance with the tariffs of appraisal and insurance companies. DeltaCredit reserves the right to change any part of this message without prior notice.

Check out credit product Jar

All more people they decide to buy a dacha so that they can then have the opportunity to relax peacefully away from the city, and sometimes live in nature. However, it is often unrealistic to immediately collect the required amount. That is why mortgages for dachas are in high demand, which opens up new opportunities for everyone. Also, dachas with land plots become good real estate for investment. In this case, the option of a mortgage loan is also suitable. Sometimes people know for sure that they will have a free amount sufficient for investment, but not right away. Then they invest gradually, using a loan.

The question arises: is it possible to buy a dacha with a mortgage? How difficult is it, how many documents will you need? Is it enough profitable offer in banks? In this article we will look at possible options, the procedure for obtaining a mortgage loan for a dacha, features and pitfalls.

Features of obtaining a mortgage for a dacha

The key feature of obtaining a mortgage loan for the purchase or construction of a summer house is the relative novelty of this banking product. That is why lending banks often impose increased requirements on borrowers. Of course, this does not mean that it is completely impossible to get the desired loan in 2019.

However, this can be quite difficult. The whole problem is that with this type of mortgage lending, the dacha acts as collateral, and it is not considered liquid real estate. Is it possible to take out a mortgage to buy a summer house? What are the key nuances for such loans?

Let us dwell on the specific features of a mortgage for a dacha.

• Loan programs. How banking product Mortgages for a dacha are not popular. Since the dacha is considered illiquid as collateral property, since it is quite difficult to sell, interest rates the loan is high. At the same time, there is a good option - to take out a mortgage loan not for the purchase of the dacha itself, but for the purchase of a plot and construction of a dacha.
• Interest rates. There are no benefits provided in this case. Experience, wage and place of work do not affect loan terms. The stakes are quite high. They amount to approximately 15-20% per year.
• Lending terms. Loan terms are not flexible. They are noticeably inferior to mortgages on a residential building or apartment. Most often, a mortgage for a dacha is given for a maximum of 10 years. The annual rate is high, so such a loan cannot be called profitable.

True, purely theoretically, such a loan can be obtained if all the numerous requirements are met. A lot depends on the condition of the dacha. But this will be unprofitable for the borrower himself, since the total amount of overpayment is quite large.

Object requirements

Lender banks place extremely high demands on the property. Let's consider the common conditions that a dacha must meet in order for the borrower to be given a loan for its purchase.

1. A cadastral plan is required.
2. There should be detour routes around.
3. We must provide high level fire safety.
4. A prerequisite is the good condition of the country house itself.
5. The foundation must be made of concrete, brick or stone.
6. Banks often require that the dacha be located within 120 km from the city in which the branch of the creditor bank is located.
7. It is important that the country house has all the necessary communications: electrical wiring and sewerage, plumbing and heating. If the conditions are violated, the bank has the right not to provide a mortgage loan for the dacha.

Thus, it is possible to compare the strict requirements for providing a loan for a dacha with the terms of a mortgage for a cottage. Of course, the lender wants to reduce risks as much as possible so that the collateral is actually liquid property, which will then be relatively easy to sell.

It is important to note that for many garden houses, which are now available in various cooperatives, it is almost impossible to achieve compliance with these strict requirements. Therefore, it is impossible to get a mortgage loan for such modest dachas. True, there are also decent country houses that are more reminiscent of residential cottages. That's what they get the loan for.

Requirements for the borrower

Here are the basic requirements that banks most often impose on those wishing to receive a loan to purchase a summer house.

1. Stable salary.
2. Registration in the city in which the branch of the creditor bank is located.
3. General seniority must be at least a year.
4. At the last place of work, the length of service must be at least six months.
5. The maximum age at the end of payments is 65 years.
6. Some banks may ask you to provide commercial or residential premises as collateral.

These requirements are reminiscent of the standard rules for lending for the purchase of residential premises. The borrower must be solvent and officially employed.

Bank offers

It is worth noting that not all banks are ready to lend to dachas, since the risks of this product are too high. Therefore, the choice, unfortunately, will be small. You have the best chance of getting a loan from VTB 24 and Sberbank.

Sberbank provides a mortgage for a dacha on fairly favorable terms. The big advantage is the favorable interest rate. It is only 12.5% ​​per annum. True, this will be influenced by many factors. It is important to note that an initial fee when lending will be at least 20%. Mortgages are available from 45 thousand rubles. You can take out a mortgage to build a summer house, buy a plot of land or the house itself.

Pitfalls when obtaining a loan

Of course, you can get a mortgage for your dacha. But in doing so, some difficulties often arise. In most cases, problems begin due to various errors in documents. It often happens that not all necessary communications are provided, and the boundaries of the plots are drawn incorrectly.

The main problem is the very high insurance amount. Since the dacha becomes an object of increased risk due to frequent fires and break-ins, insurance is quite expensive.

If you are having trouble getting your holiday home mortgage application approved, you may want to consider an alternative option. You can get an installment plan from the developer or take out a loan from a partner bank. So, banks have partner developers. When a dacha is purchased from them, the chances of getting approval from the lender are much higher.

Pledge

The collateral is the land plot, all the buildings on it, as well as the country house itself. When the borrower fails to repay the loan, the bank has the right to take away all collateral and sell it.

Thus, we can conclude: they really do provide a mortgage for the purchase of a summer house. But taking out such a loan is not very profitable; it is quite difficult to prepare the documents. Sometimes it makes more sense to take out a mortgage to build a country house.

Every year the demand for suburban real estate increases. And the point is not only the desire to live closer to nature, but also the lower cost of such houses in comparison with city apartments.

But still, not every person can afford to buy a private house. This is where a mortgage becomes relevant. You can get a mortgage loan to purchase a house with a plot from Sberbank.

Conditions

It should be noted that this type Mortgages are more complex compared to other loans. This product appeared on the credit market a little over 5 years ago, which explains the increased demand for it. The lending conditions are quite strict.

This is largely due to the fact that land is recognized as an asset with low liquidity. Land plots are very difficult to evaluate objectively; it is difficult to carry out work with land monetary transactions. This is why few banks can offer mortgages for land.

Sberbank offers clients two options:

1. Loan for the purchase of real estate outside the city.
2. A mortgage loan on land for the construction of a residential property.

The “Country Real Estate” loan program involves issuing a loan for the purchase of a country house or the acquisition of a plot of land to build a home.

The loan is issued against the security of the purchased property or other residential premises. In many ways, this program is similar to another Sberbank product, “Ready Housing.” But by receiving a loan for the purchase of finished housing, you can purchase a home exclusively in a locality for permanent residence.

The Country Real Estate program allows you to obtain a loan for the construction or purchase of a residential building in various dacha cooperatives, gardening partnerships, that is, not intended for year-round use.

As for the conditions for obtaining a mortgage from Sberbank for the construction or purchase of a house with land, they are as follows:

Speaking about lending conditions, it is worth noting the following aspects:

• no fees for consideration and approval of the application;
• transparency of conditions and absence of hidden fees;
• preferential conditions for salary earners and employees of accredited companies.

How to apply

To apply for a loan, you must contact Sberbank and submit a preliminary application. To do this, you need to fill out a special form according to the bank's form. You can get it when you contact the bank or visit Sberbank with an already completed application.

The Banking Commission will review the application and within a few days will provide a preliminary response to the contacts specified in the application form. You need to understand that in this case, only the solvency of the client and his credit history.

The next step, if the application is approved, is the collection of documents. It is necessary to provide a package of documents on the purchased property and the collateral. Collected documentation in in full submitted to the bank for review.

The commission evaluates the subject of additional collateral (if any) and the subject of the mortgage for compliance with the lending conditions. If no claims arise, the loan is considered approved.

All that remains is to sign loan agreement mortgages. You can speed up the process of obtaining a mortgage loan if you submit all the necessary documents immediately with your application.

For your information! The purchased property is registered as collateral. The land plot also becomes collateral.

What documents are needed

To obtain a mortgage from Sberbank for a house and land, or more precisely for the purchase of a house or its construction, you will need to collect a package of documents consisting of:

• loan applications (the guarantor and co-borrowers make separate applications attached to the general set of documents);
• passports;
• certificate confirming income;
• documents relating to the subject of pledge;
• documents regarding the purchased object.

It is important that Sberbank offers more profitable terms young families, if the spouses are no more than 35 years old. To receive benefits, you must provide marriage and birth certificates.

However, to purchase housing, young spouses will have to use a different program. The Country Real Estate product does not imply a reduction in the initial payment for young families.

Interest rates

A mortgage from Sberbank on a house with land comes with different interest rates. These vary depending on the duration of the loan and the amount of the down payment.

When lending for a period of up to 10 years and:

When the duration of the mortgage is between 20 and 30 years and the down payment is:

up to 30%	rate 14.5%
from 30% to 50%	14,25 %
from 50% and above	14 %

A significant advantage of Sberbank is that interest rates do not increase by 1% until the mortgage is registered.

These rates apply if you have comprehensive mortgage insurance, which consists of insurance:

• collateral object from destruction, which is mandatory. The borrower has no right to refuse this insurance;
• owner's title;
• the borrower's ability to work and life.

When the borrower refuses to insure his ability to work and life, the rate increases by 1%. If you cancel title insurance, the rate does not change. Special conditions are provided for clients receiving salaries from Sberbank. For such borrowers, the interest rate is reduced by 0.5%.

Requirements for the borrower

Who can get a mortgage from Sberbank to purchase a house with land? A potential borrower is a subject:

• citizen of the Russian Federation with permanent registration;
• aged from 21 to 75 years at the time of the last loan payment;
• with work experience at the current place of employment of at least 6 months;
• with a total work experience of at least 1 year over the last 5 years.

These are the minimum requirements, but other parameters are taken into account when considering the application. In particular, the credit history of the applicant and the absence of overdue and non-repayable loans are important.

Evaluated financial condition borrower - compares his total income and the loan amount. The monthly payment amount should not exceed 30-50% of total amount monthly income. When attracting co-borrowers, the total income of all participants in the transaction is assessed.

Receipt

You can apply for a mortgage on a house with a plot of land at the Sberbank branch at the following location:

• registration of a borrower or co-borrower;
• location of the mortgaged property;
• accreditation of the employer company of the borrower or co-borrower.

The loan application is reviewed within 2-5 days. After signing a mortgage loan agreement, it is possible to provide the entire loan amount at a time or issue the loan in installments. The loan is repaid using the annuity method, that is, in equal payments.

Sberbank allows you to repay your mortgage early. In this case, both full and partial repayment is possible. To repay the loan, you must submit an application indicating the repayment date, which must fall exclusively on a working day. Minimum amount early repayment not limited. In any case, no commission is charged.

In case of late payments, a penalty is charged on the amount owed in the amount of 20% per annum of the overdue amount. The accrual of penalties begins on the day following the payment date established in the agreement and continues until the debt is repaid.

Among the special conditions of a mortgage at Sberbank, one can note the possibility of obtaining a loan without obtaining additional collateral. As a rule, some time passes before the loaned object is registered as collateral.

During this period, the loan is unsecured. Therefore, banks require the provision of other real estate owned by the borrower as collateral.

If, when applying for a mortgage, the client uses an individual Sberbank safe, then no additional collateral is required.

After the purchase and sale agreement is registered, ownership of the object passes to the buyer. Then the state registration of the mortgage agreement in favor of the bank is carried out. Only after this the money from the individual safe is transferred to the seller.

How to calculate

There is no need to visit the bank to calculate your mortgage loan. You can calculate the amount monthly payments, based on the desired loan amount and loan term.

The results obtained are compared with real income, which allows you to determine how acceptable the selected type of mortgage is. You can experiment with different data - change the loan term, loan amount, take into account the income of co-borrowers.

This will help you choose the most profitable mortgage option. When contacting the bank, the client already understands what exactly he needs.

All you need to do is fill in the form with the following information:

• amount of credit;
• initial fee;
• interest rate;
• duration of lending.

Sberbank's mortgage calculator will provide a fully calculated repayment schedule. By comparing it with your income, you can understand how suitable the chosen program is.

Advantages

The undoubted advantages of mortgage lending from Sberbank include the following:

• reasonable interest rates, which may be reduced under certain circumstances;
• no commissions or hidden fees;
• individual approach to each client when considering an application;
• preferential terms for salary clients;
• possibility of attracting co-borrowers to increase maximum amount loan;
• receiving credit card with a limit of up to 200,000 rubles if the borrower wishes.

It is also worth noting the possibility of obtaining a deferment on loan repayments. This way you can defer the payment of the principal debt or increase the credit period.

To do this, you need to provide documentary evidence of the increase in construction costs for the construction period, but not more than 2 years from the date of the loan.

Is it possible to get a mortgage on a plot of land?

Sberbank issues mortgage loans for the purchase or construction of a residential building. That is, you can get a loan to purchase a plot of land with ready-made buildings or for housing construction. There is no targeted lending for land purchases as such.

For example, if a client wants to get a loan to purchase agricultural land or a plot for commercial construction, then he will have to apply for a regular non-targeted consumer loan.

Maybe there will be purchase loans in the future land plots as independent mortgage objects, but so far no bank has provided such a program.

You can also get a mortgage for a house with land from some other banks. But a loan from Sberbank still remains the most profitable. Moreover, this is where you have the opportunity to choose from different mortgage programs.

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