showuser home construction loan. Construction of country houses on credit

ARS-PROM acts as a consulting agent that helps you get a loan with the most favorable conditions. We will help you complete your loan application and submit it to the bank. PJSC "Sberbank" offers 2 options for lending: secured and without collateral.

Request

Submit an applicationthrough the site. The ARS-PROM manager will contact you to clarify the details and proceed to the calculation of the cost of the building.

Getting a loan

We will help you draw up documents and get loans for construction on favorable terms.

Construction of a building from LSTK in Moscow

Immediately after the bank approves the application, we will proceed to the construction of the building. A few months - and you pay off the loan with funds received from the completed building.

from 14,5 %

before 2 years
loan terms

4-5 days
term for consideration of the application

2 of the year
duration of IP

from 14,5 %
monthly loan rate

before 10 years
loan terms

8-11 days
term for consideration of the application

3 of the year
duration of IP

What objects can
build on credit?

Our mission is to help you build an efficient business building. And if lending is convenient for you, we will be happy to assist in obtaining it. legal entity, for the construction of residential or commercial prefabricated real estate. What building do you need? Multi-storey building, factory, car wash or shop? Any commercial real estate can be built on a turnkey basis using a loan issued to a legal entity.

If you already have land for multi-apartment housing development, the most fast way to implement a project - to build multi-storey buildings "on a turn-key basis" on credit. Real estate is always in price, which means that when right choice construction sites of houses, it will not be difficult to pay off a loan for construction.

The construction of industrial buildings can also be carried out with a loan. Structures from the ARS-PROM factory are designed for quick and easy turnkey assembly of a building. If you have land for the construction of an industrial building or plant, contact ARS-PROM to clarify the conditions for obtaining a loan.

A car wash is a business that, with the right choice of location, can pay off in less than a year. With structures from ARS-PROM, this is more than realistic, because the cost of structures for a prefabricated car wash will be minimal. Build a turnkey car wash on credit and pay it off as quickly as possible with the income generated by your new business.

Prefabricated shop
on a turnkey loan

A store or a pavilion on credit is a business that will pay off in the shortest possible time. ARS-PROM designs come straight from the factory with no dealer markups. Therefore, the cost of the store is minimal, and the return on investment is high. A store built on credit is a business that will very quickly allow you to pay off your debt to the bank.

Construction lending is a special type of lending activity. Since almost always partial collateral for a construction loan is a pledge of real estate (a land plot and an object under construction), from a formal legal point of view, this type of loan is secured by a mortgage and can be called a mortgage loan. But, due to the peculiarities of construction lending and the availability, in addition to mortgages, of other types of collateral, in practice and in the literature this type of lending is distinguished separately from mortgage lending, which is usually understood as mortgage housing lending to citizens for the purpose of acquiring ready-made housing on the security (mortgage) of this housing.

As shown in fig. 24.1, only a pledge of a land plot with an object under construction located on it is insufficient to secure a bank loan. Given the increased risks of construction projects, banks rarely raise the level of the ratio of the loan to the assessed value of the pledged property (LTV) above 50%. Thus, presumably, in order to obtain a loan, the developer must have assets comparable in value to the loan he plans to receive, or use other additional types of collateral.

Rice. 24.1. Expert assessment of the ratio of costs incurred and the value of the property (a land plot with an object under construction on it) at various stages of the implementation of a housing construction project

Housing construction lending is largely related to long-term residential mortgage lending, which was discussed in detail in previous sections. Indeed, the object of lending in this case is the creation of residential units, i. apartments or houses, which in the future, after the completion of construction, become the objects of sale and purchase and the objects of security for mortgage housing loans.

Nevertheless, lending to construction in general (both housing and commercial facilities) is a very special type of lending activity, since it has a number of features inherent only to it.

First, borrowers on construction loans are, as a rule, not individuals seeking to improve their living conditions, but commercial developers, professionally involved in the implementation of construction projects. An exception is lending to individual housing construction, when an individual receives a loan for the construction of a residential building, in which he is then going to live.

Secondly, the term of construction loans is determined by the duration of the construction cycle and, therefore, under normal conditions cannot exceed 3-5 years on average for ordinary projects, but in the case of housing construction? 1?2 years, i.e. is a medium term loan. The exception, again, is individual housing construction, when a loan is issued to an individual, with its subsequent repayment over a long period, similar to the terms of standard residential mortgage loans. But at the same time, it should be remembered that the latter type of loan cannot be unconditionally classified as a construction loan, since it has specific characteristics of both a medium-term construction loan and a long-term mortgage loan.

Thirdly, construction loans are characterized by a number of special procedures for the preparation, issuance and management, each of which is due to the first two of these features. In this chapter, we will take a closer look at the specifics of the procedures in the case of lending for construction, including multi-family residential buildings, as well as for lending to individual housing construction.

And finally, the collateral for these loans is not only a mortgage - a pledge of real estate (in foreign countries? usually a land plot and a newly constructed residential building), but also other assets of the developer.

Thus, when analyzing construction lending (both housing and commercial facilities), we mean a very special type of lending activity, which can be defined in the most general form as follows.

Construction lending is the provision by credit organizations to legal or individuals target loans intended for the implementation of preparatory, construction, installation and commissioning works related to the construction of newly created residential and commercial real estate or the completion of construction (reconstruction) of existing real estate.

Collateral for such loans may be a pledge of land plots on which construction is underway, newly created real estate objects on these land plots in the process of construction (mortgage), Construction Materials, rights under relevant work contracts and supply of building materials, as well as any other types of security permitted by law

Who gets a home loan

There are a lot of reviews about mortgages, positive and not so much. The main plus is that it is really possible to build a house in one season, without putting money under the pillow all winter. The full amount is immediately transferred to the developer, who buys the materials himself and organizes the work. Even taking into account interest, a mortgage for the construction of housing will cost less than buying a finished cottage.

To issue a loan for the construction of a residential or country house, must comply with the requirements of banks:

Pledge on property (real estate, land, car)

Guarantors (spouse and unrelated persons with high income)

Purposeful use of money (only for construction)

Down payment 15-20%

Registration of land for individual housing construction for the applicant

There are loan programs in which it is not necessary to meet all the requirements - you need to find out more directly from the bank.

What documents are required

From the documents the borrower must provide:

Passport with Russian citizenship, certificate of own and surety income

Confirmation of the right to use land plot

The project of the future house and the estimate from the developer

Statement or checks from the bank on a personal account

Video description

Visually about obtaining a loan for building a house on the video:

Credit institutions pay special attention to the stability of the client's income. The longer the repayment period, the higher the risk of delay and non-return of money. The age of the applicant at the time of submission of documents must be over 21 years old, and the debt must be repaid before the age of 65 years. It is safer to calculate the contract schedule without retirement.

Processing time

Most of all complaints are caused by documents on the ground. A deed of gift, a contract of sale, an extract from the register, a cadastral passport, a building permit - the execution of all papers takes several months. Approval of the application at the bank lasts about 10 days, another 4-5 weeks are spent on The final stage. So that the process of processing the questionnaire is not delayed in time, it is recommended to collect all the certificates and documents before submitting the application.

The maximum loan term is 30 years. If you need an amount up to 300 thousand rubles. for a short period, you can try to take a consumer loan. In this case, no deposit is required, but the interest rate is higher.

It is more profitable to take a consumer loan for a short period

Who is eligible for a concessional loan

There are exceptions to every rule. The state has identified certain categories of people who can count on preferential terms for a loan (lower rates, longer repayment periods, no additional fees). These include:

Doctors, teachers and other employees of budgetary organizations

Participants and liquidators of the Chelyabinsk NPP accident

People awarded for high services to the country

Large, young and low-income families

military personnel

Persons found to be in need of housing improvement

Some banks cooperate with large enterprises that take on corporate housing mortgages. For them, the loan rate is below the standard. And the company gets interested employees.

Construction subsidies

A young family can count on receiving subsidies from the state to improve their living conditions. To do this, she must be recognized as needy. If there are no children yet, the government issues 35% of the loan amount. Families with children are entitled to 40%. There are restrictions on total area and the price per 1 m² of purchased housing. They are specific to each region.

Until 2008, banks easily issued a loan for the construction of a private house with a down payment. During the crisis, the number of bad debts increased sharply. Therefore, now for large loans, an advance is required.

Down payment is a common practice for mortgages

The less money the client deposits, the higher the interest rate under the agreement. Or you will need a mortgage on a property of a similar value. If the borrower has maternity capital, then you can build a house on credit without a down payment. Or use it to partially pay off the debt. You do not need to wait 3 years, the certificate for paying the mortgage can be used immediately after receipt.

In Russia, only large banks issue loans for the construction of a private house. Do not be afraid that the institution will be liquidated in 30 years. In any case, all his debts will be redeemed by a competitor, and the terms of the mortgage agreement for the client will remain the same.

Which banks lend construction

You can send an application for consideration to the bank through developers who carry out inexpensive construction of houses on credit. Let's take a closer look at their offerings.

Sberbank

Offers to build a house on credit in Moscow and the regions at a reduced rate of 10% per annum. The minimum tariff is valid for participants in the salary project of Sberbank. For the rest, it will be 10.5%.

Sberbank is ready to provide a client with a loan for building a house in the amount of 300 thousand rubles. The upper limit is 75% of the contract value of the future housing or the estimated figure for the collateral. The initial payment is 25% of the loan amount.

Sberbank also provides mortgage loans for the military

Participants of the salary project do not bring income certificates when applying. The loan is provided in parts in accordance with the stages of construction. Early repayment is not subject to commission. Penalty for late payment - 20% of the amount of the overdue payment. Approximately a loan for building a house in Sberbank can be calculated on the official website of the bank.

If within two years after the conclusion of the contract the cost of building a house increases, the bank can give a deferral for the payment of the principal debt.

Rosselkhozbank

This bank issues a mortgage loan for the purchase of a finished house or building plot. The minimum annual rate of 9.5% is provided for young families. One of the spouses must work in a budgetary organization or receive a salary through Rosselkhozbank. The condition is valid only when buying an apartment on the secondary market. Borrowers without benefits are set at a rate of 12.5% per annum.

The minimum amount for issuance is 100 thousand rubles, and the maximum is 20 million rubles. Down payment from 15 to 30% of the cost of housing, depending on its type. Money is provided at a time and in full.

Attractive loan terms

The client can choose the system of repayment of the loan, as convenient (fixed or reduced). Young families in which children were born during the period of the contract receive a deferral of up to 3 years to pay off the debt.

rebirth

If you want to buy a turnkey cottage on credit, contact Vozrozhdeniye Bank. Here they are ready to give out from 300 thousand rubles. up to 10 million rubles to make dreams come true. The rate for the year will be from 11.9%, excluding insurance, if you make an initial payment of 15%. Loan security is not required. Any change in the terms of the contract will be paid.

If the construction has been going on for a long time, and the funds for it have already run out, Vozrozhdenie offers an unsecured loan from 50 thousand rubles. up to 2 million rubles for any purpose. No references or guarantors are needed. The average rate is 20% per annum.

Credit Europe Bank

This bank easily approves a loan for the construction of a country house. The rate is 12-20% per annum, the maximum amount is 3 million rubles. for 8 years. Money is transferred only by bank transfer to the account of the developer. The advantage is that from the moment of receiving the application to the transfer of funds, only 3 hours pass.

The bank does not ask the applicant for income statements, availability of guarantors and insurance. The application itself can be submitted directly from the construction company, so as not to come to the office once again.

Often construction companies have contacts of several banks

LocoBank

Provides a loan for a house built by the bank's partners. You can get up to 5 million rubles. for 7 years. Interest rate from 13.4% per year. Life and property insurance only at the request of the applicant. Early repayment from 1 month.

The borrower must have a permanent place of work for at least 4 previous months. Of the documents, only a passport, a questionnaire and a certificate of ownership of the building house or a contract agreement are required.

This is a list of banks that offer the purchase, construction or completion of a house on credit. Terms of registration change periodically, so the relevance should be clarified at the consultation with specialists.

Video description

About choosing a bank to get a loan on video:

Mortgages make it easier to make your dream of owning a home come true. If you adequately assess your financial capabilities, then soon you can celebrate housewarming in a cottage village.

The most important economic instrument of commodity-money relations is credit, which contributes to the continuity of the reproduction process, its acceleration in value form, ensuring, in turn, the acceleration of the reproduction process.

Investors investing their own, borrowed and borrowed funds in the creation and reproduction of funds in the form of capital investments can be:

bodies authorized to manage state and municipal property or property rights;

citizens, enterprises, business associations and other legal entities;

international organizations, foreign legal entities;

The construction industry is almost completely developed at the expense of attracted funds, and most often this is bank lending.

Large volumes of lending to builders are due to the scale of their activities and the need for financial resources. The specifics of the work of developers is such that they need "long" money - a lot needs to be invested immediately, and the return on investment comes only after a few years, after the sale of real estate.

The loan is granted for a period from the start of construction (possibly from the moment of purchase of land for development) until the moment the developer receives money from the sale. It is in the interests of the bank to strive to reduce the term of the loan. To this end, large projects can be divided into stages of lending, and the bank, instead of allocating funds for the project as a whole, will lend to its individual stages.

The new provisions of the lending system in construction are being implemented so far through a unified lending scheme, the basis of which is lending to an enlarged object.

Enlarged lending object - involves simultaneous lending from one loan account of material reserves, production costs and goods shipped. An enlarged object is used if the need for a loan is permanent, and if there are permanent and stable relations between the lender and the borrower.

For construction organizations, an aggregated object is a combination of inventories and production costs. The provision of this type of loan is more aimed at reducing stocks of material assets, accelerating their turnover. Enterprises receive additional funds only in the amount necessary to carry out the normal process of reproduction, taking into account resource saving. Not all inventories and production costs are accepted for lending, but only that part of them, the need for which follows from the plans for the production of construction and installation works and serves as the planned limit of the loan.

37. The concept of economic resources of the enterprise.

Resources are the factors used to produce economic goods. Economic resources are all natural, human and man-made resources that are used to produce goods and services.

The whole variety of resources can be classified according to different approaches: 1) material resources- land, or raw materials, and capital; 2) human resources- labor and entrepreneurial activity.

The concept of "land" includes all natural resources: arable land, forests, mineral deposits, water resources (resources of rivers, seas and oceans).

The concept of "capital or investment resources" covers all manufactured means of production used in the production of goods and services and their delivery to the final consumer (buildings, structures, equipment, etc.). The process of production and accumulation of means of production is called investment.

The concept of "labor" refers to all the physical and mental abilities of people used in the production of goods and services.

Entrepreneurial activity, or entrepreneurship, is understood as a special kind of human resources, which consists in the ability to most effectively use all other factors of production.

All economic resources, or factors of production, have one thing in common: they are scarce or available in limited quantities. This means that there are usually fewer resources than are needed to meet all needs at a given level of economic development. Due to the rarity of resources, the volume of production is limited.

Construction requires a lot of start-up capital, which can be obtained through loans. This article will help you find out which banks provide such programs to borrowers and where you can get funds for such purposes.

Services to commercial organizations are offered by many banks in the country.. Only a few of them provide special program for construction. Several of these banks are listed here, they can be quite useful.

Sberbank issues loans that cover more than half of the project budget. You can get ruble, dollar or euro loans. Also, the bank conducts construction expertise of projects and provides other services.

Alfa Bank finances developers and equity holders, while there is a minimum loan amount for a company. Funds are allocated to most categories of commercial buildings, there are strict requirements for clients.

Absolut Bank offers similar services. At the same time, you can get Additional services, which can be quite useful in construction.

All these banks also provide a wide range of services to their commercial clients. Therefore, if services are already being provided by these banks, then it is quite possible that it will be easier to receive funds.

Since very large sums usually appear, then requirements for borrowing companies corresponding. Most banks are ready to cooperate with those who have been on the market for many years and successfully run their business.

To confirm your status and goals, you will need a lot of documents. Banks should see them in order to check the reliability and expediency of issuing funds for certain projects and only then transfer them to the account.

Each bank has its own requirements. You need to carefully study them even before filing, in order to immediately prepare the necessary package of documents. Sometimes they are published on official websites along with the requirements.

Bank representatives will see how long the business has been running and what long-term results it brings. They will also correctly assess the scale of future construction and its possible prospects.

Also, the more successful the business, the more favorable interest and a long period of payments can be offered by the bank. It is desirable to have other projects that already bring dividends.

If there is little time to communicate with bank representatives, you can use the help of loan brokers. They charge a certain percentage for looking for the most suitable loans and applying for them.

When signing such large transactions, legally correct execution of contracts is important. Use the help of competent lawyers so that the contracts are beneficial for all parties.

Our website has a lot of information for entrepreneurs. Read the pages about where it is better to open an account, how to get a cash loan, how to get loans for tenders.

Leave your opinions and suggestions in the comments. To decide which banks are suitable and the most profitable way to get loans for commercial construction, read the reviews.