Even now, when banks are actively offering various loans to the consumer, to get a mortgage to the construction of a country house still remains problematic. Still, it is quite possible.
At the moment, the mortgage for the construction of a country house is not all banks. Such a program is provided in Sberbank.
You can familiarize yourself with the conditions for the provision of mortgage Sberbank, without leaving the house, setting the Internet searching: "Mortgage Sberbank".
Crediting lending has certain differences compared to other types of loans.
First of all, the Bank puts forward certain requirements, both to borrowers and lending objects. After all, here we are dealing with completely with other credit conditions.
1. The builder-builder should already be the owner of any real estate, which, upon receipt of the loan, will become a key;
2. By the time of the mortgage design, the unfinished object should also be registered in BTI, it is also necessary to design it in the federal registration service as an "object of unfinished construction". Banks will be much more willing to give a mortgage if the country house is already built half. Another advantage will be summarizing communications to the object;
3. The land for construction can not be leased and must be issued to property;
4. So far, construction will not be completed, all the necessary stages of the State Commission will not be completed, the borrower will pay an increased percentage (1-2% higher than during the period after which housing will be officially commissioned).
Betting on the construction mortgage will be slightly higher than the purchase of an apartment. This is due to the low liquidity of country housing.
Start a discussion ...