Credit for the purchase of housing in Belarus belarusbank. Conditions for granting a loan for building a house in Belarusbank and benefits. The best offers from banks for loans for building a house

A loan for the purchase of housing in Belarusbank is provided on certain conditions and has its own advantages and disadvantages. Acquisition of housing through a loan in Belarus is current practice for many people, since not everyone can accumulate the necessary amount of money.

Terms of a loan for the purchase of housing in Belarusbank

A loan for the purchase of housing in the ASB Belarusbank implies certain conditions, namely:

• The loan is issued for the purchase of premises intended for housing (a room, a share in the ownership right) and built according to the state. order.
• Loan period - up to 20 years. You should know that you need to repay the loan after 18 months, next month.
• The annual percentage is not fixed and is 13.5%. Interest is paid on the fact of using credit funds.
• The amount of credit funds - up to 90% of the cost housing based on the solvency of the borrower. In case of insufficient solvency total income the borrower's income can be summed up guarantors. For families with three or more children who have not reached the age of majority, the amount of credit funds is 95% off total cost housing.

Based on the recipient's written application, the loan is granted by transferring the amount to the real estate seller's account opened with Belarusbank or to the accounts of legal entities. persons of banking organizations with CSC. It is important to note that accounts using bank cards are an exception.

Other loans from Belarusbank for the purchase of housing

Belarusbank also provides other types of housing loans in 2019:

Preferential lending of Belarusbank is represented by a loan in need of improvement living conditions. Provided loans to applicants who build residential facilities in houses and individual. houses intended for habitation.

You also need to be registered in need of better living conditions. The loan is issued for a period up to 20 years, bid is 5.25%(the refinancing rate of the National Bank of the Republic of Belarus is 10.5% / 2) + 3%, i.e. 8.25%.

The size of the issued borrowed money no more than 75% of the total cost of construction of a residential facility, no more than 90% - for families that have three or more children under the age of majority as of the date of conclusion of the agreement with the bank.

For young families in Belarusbank who need financial support from the state (namely, to pay off debt on soft loans received for the purchase or construction (reconstruction) of housing), a preferential loan is intended based on Decree No. 13.

Important! After the young family is approved in the list for receiving preferential loan, only then she has the right to enter into a loan agreement for a loan. Regarding the issue of approval in the list, this must be resolved in the state. authorities authorized to carry out this activity.

Financial assistance to a young family is offered in the amount 10% of the total debt on loans received at birth (adoption, adoption) 1 child and 20% - 2 children.

Belarusbank's requirements for borrowers

In order for the applicant (guarantor) to receive a loan for the purchase of housing in Belarus Bank must meet certain requirements:

1. Live within Belarus on a permanent basis.
2. Have a steady income.
3. Be capable.

For those, who has reached retirement age, a real estate loan is issued:

• With collateral in the form of guarantors who have not reached this age.
• Based on the amount of pension payments, for those who do not receive state. pension after acquiring this right and work - 50% of average income per month for the last 3 months.

List of documents

To get a loan to buy an apartment from Belarusbank, you need to prepare the following documents:

1. The passport.
2. Income statement or statement of bank account for the last 3 months. subject to receipt of payments in Belarusbank.
3. Consent of the borrower and the guarantor to verify personal data and submit a report on loans from the Credit Department of the National Bank of the Republic of Belarus.
4. Certified by a notary/registrar Contract of sale and registered in the institution according to the state. registration of real estate with display of the final settlement period under the agreement.

In the case of an individual entrepreneur applying, additional paperwork is required (data on state registration, information on individual entrepreneur income, etc.).

Related video:

Calculator for calculation

For this it is necessary select the name of the loan, then the lines interest rate and the deadline will be filled in automatically.

• Maximum size (in the proposed fields must include income and expenses).

• Required Income to receive (in the proposed fields you must enter the desired loan amount and expenses).

The loan calculator is a convenient tool for assessing your capabilities before applying to a banking organization for a housing loan.

How to get a loan to buy a home?

To apply for a loan need to visit the organization issuance of concessions and mortgage loans:

1. In Minsk - to the department of issuing preferential and mortgage loans of the Mortgage Office or to the locality at the place of residence and registration.
2. AT locality at the place of purchase of housing, for example, in the Central Bank of Gomel, Vitebsk, Mogilev, etc.

If the CBU does not have this service, then you need to contact the support service of the retail business.

When applying, employees of a banking organization will help fill out a questionnaire and choose the most suitable lending option.

Then get a preliminary decision on issuing a loan, in case of a positive decision, you need to visit the bank to conclude an agreement and you need to have a package of documents with you, required for a loan.

The procedure for repaying a loan in Belarusbank

Repayment of the loan is carried out by making a payment every month, which consists of two parts:

• Interest for the use of credit funds.
• Part of the principal debt, that is, the body of the loan.

Early repayment of a loan penalties are not charged.

Among the repayment methods, you can choose the most convenient for you - information kiosks, Internet and mobile banking, AutoPay service.

Advantages and disadvantages of a home loan

A loan for the purchase of secondary or primary housing in Belarusbank has its pros and cons for the borrower.

Among the advantages it is worth highlighting:

• income statement may not be provided if the borrower's salary or pension payments are received by Belarusbank.
• A variety of loan repayment options to choose from most comfortable for you.
• No fees for early repayment.
• Possibility of buying a property for a short period, if own funds not enough.
• Opportunity to insure housing bought on credit.

Among the shortcomings can be noted:

1. Interest rate is not fixed and may change when the refinancing rate changes. NB RB.
2. Making monthly payments throughout the entire period of the concluded contract.
3. Unable to pay the loan there is a probability lose housing.

A message appeared on the bank's website stating that from November 8 until the end of 2018, the bank no longer accepts new applications for loans for the purchase of residential premises - that is, apartments and houses. An exception is the purchase of housing that the state has built in accordance with the state order, as well as the construction of new housing.

At the same time, the bank reports that commercial loans for housing construction remain - but their percentage is increasing. So, if earlier such a loan was issued at 13% per annum for 20 years, now it is at 15% per annum for the same period. Note that we are talking about commercial loans- after all, those who need support (those with many children, the military, judges, etc.) can continue to receive a loan. It is also impossible now and at least until the end of the year to borrow money from the bank to buy secondary housing.

Thus, secondary housing can only be purchased with your own money. But you can borrow money for construction new apartment. Let's calculate in money how much those 2 percentage points, by which the bank increased the credit, will cost the citizens. For example, we are building a odnushka worth 50 thousand dollars. If earlier the overpayment was 65 thousand dollars, now it is 75 thousand. Only two percentage points, but as much as 10 thousand dollars.

What are the changes in lending conditions related to and how will this affect the housing market? Economist answered our questions Anton Zalesovsky.

– The population has increased both inflationary and devaluation expectations due to the weakening of the Russian ruble. The volume of currency sales by individuals has significantly decreased, - the expert says.

According to the economist, in the first 9 months of 2018 Belarusians increased the number of bank loans. And not only consumer - that is, on all sorts of TVs, refrigerators, telephones, etc. Thus, since the beginning of the year, the debt on loans for real estate has increased by 14.2%.

– Devaluation and inflationary expectations of the population are growing. The National Bank is nervous about this. This decision to suspend lending is an attempt to maintain good performance in the country as a whole, including to keep inflation within 6% at the end of the year.

Why did Belarusbank decide to increase the interest on housing loans right now? Is it just that the population expects devaluation? But people are always waiting for it, and earlier Belarusbank only lowered the percentage. What happened now? Given that the refinancing rate has not changed.

– Today Belarusbank has a large debt load. He can't hand out large amounts of money under small percentage. The bank mainly receives money from bank deposits. And now people have begun to withdraw their money from banks, as they are afraid of devaluation. And banks can not influence this trend in any way. In short, banks are running out of cheap money.

Officials have repeatedly said that after a while, if inflation is low, we can talk about mortgages, that is, cheap loans for housing. Our official inflation is low. For example, last year it was generally less than 5% and was a record low. Can we now say that the government and the National Bank cannot contain inflation and that it will start to grow?

– Perhaps, Belarusbank has received information regarding the further development of the monetary policy of Belarus for 2019. And the bank began to insure now. All macroeconomic indicators(inflation rate, the state of the country's balance of payments, the value of official gold and foreign exchange reserves countries, the dollar exchange rate) planned for this year, the government will fulfill, but this does not mean that there will not be some factor that can change the current situation at the beginning of next year. I think the refinancing rate will start to grow and Belarusbank probably already knows about it.

Buying a home in Belarus is not such an impossible task as it might seem. Of course, to use for this purpose obtained in Russian Federation will not succeed, and if the required amount is not available, you will inevitably have to take a loan. You can also do this in Russian rubles, however, given the inevitable difficulties with the transfer and conversion, it is more logical to immediately contact one of the Belarusian banks, having previously selected for yourself optimal conditions.

Listed below are ten offers from Belarusian banks; all loans for the purchase of housing are issued in local currency; both citizens of the country and residents of Russia can receive them, depending on the program offered by the lender. The main thing is not to delay the filing of an application: like domestic financial institutions, Belarusian banks quite often revise the conditions for providing borrowed funds.

"Friendly family" from Priorbank

Upon receipt of the required amount for the purchase of housing in Belarusian banks you should focus not only on, but also on the list of documents required for submission and the timing of debt repayment. It will not be possible to find an ideal offer with a low annual interest rate, flexible repayment period and minimal time spent on bureaucratic research, but the borrower will be able to determine the golden mean for himself - and this is already a lot.

The main conditions for granting a loan "Friendly family":

• currency used for settlements - Belarusian ruble;
• annual interest rate - from 11.5% to 14%;
• the minimum amount in euro equivalent is 4,500 euros;
• the maximum amount in euro equivalent is 108,000 euros;
• guarantors are needed;
• need a deposit;
• cashless payments;

1. The standard processing time for an application is three to five days. Do not expect to receive an answer on the first day. If, after five working days from the date of filing, the bank has not notified the applicant of its decision, it makes sense to re-apply there (in person or by calling the hotline).
2. The calculation of the maximum amount provided on credit for the purchase of housing is carried out taking into account the salary of not only the applicant, but also his close relatives: wife (husband), children, parents, brothers or sisters. In addition to salary, other officially registered sources of income can be taken into account.
3. Any insured property belonging to the borrower or his close relatives can be used as collateral.
4. Both relatives and third parties who have proven their solvency can act as guarantors.
5. Purchased on credit real estate in without fail must be insured for an amount at least equal to its value.
6. In this case, the life insurance of the borrower is not required, although such a service can be provided.
7. If it is planned not to purchase, but to build real estate, Priorbank, within the framework of the same program, is ready to provide the borrower with a year of deferral for repayment of the loan body.
8. List of documents required for obtaining a mortgage:
   • a completed and signed by the guarantor questionnaire;
   • certificate of income of the borrower (and, if taken into account in the calculations, members of his family or guarantors - third parties) for the last six months;
   • identity document of the applicant and, if required, of relatives or third parties (passport, residence permit);
   • a copy of the work book of the borrower and, if required, of his close relatives and guarantors certified by the personnel department;
   • certificate from the appraiser on the value of real estate;
   • subsequently - a contract of sale or shared construction.
9. Monthly payments can be made both at bank branches and at information kiosks, as well as via the Internet.
10. The maximum amount provided is up to 80% of appraised value real estate. Prior to obtaining a loan, the borrower must pay (and provide the bank with the relevant document) the remaining 20% ​​of the cost of housing.
11. The pledge can be not only the immovable property of the guarantors, but also the acquired property itself.
12. The age of the borrower is from 22 years (lower bar) to 58 years. Mandatory condition - at the moment full repayment loan applicant must not be older than 63 years.

"Your capital" from BNB-Bank

BNB-Bank is one of the most attractive creditors in the Republic of Belarus. Here you can not only take the necessary amount for the purchase of housing without much difficulty, but also learn about the program, as well as about various promotions and bonuses. "Your capital" is a relatively new, very popular offer of this financial institution.

The main conditions for granting a loan "Your Capital":

• annual interest rate - from 15.5%;
• the minimum amount in euro equivalent is 5,000 euros;
• the maximum amount in euro equivalent - 20,000 euros or up to 80% of the appraised value of the acquired object;
• debt maturity - 5, 10 or 15 years;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• cashless payments;
• possible early repayment of the loan;

Features of the loan:

1. The calculation of the maximum loan amount for the purchase of housing is carried out taking into account the amount of wages and other officially confirmed income of the applicant.
2. Both relatives and third parties can act as guarantors.
3. Real property purchased on credit must be insured for an amount ranging from 50% to 100% of its appraised value.
4. Borrower life insurance is not required (although it is highly desirable).
5. • an application in the form of a creditor bank;
   • certificate of income of the borrower for the last six months;
   • an identity document of the applicant (passport of a citizen of the Republic of Belarus or a residence permit);
   • certificate of continuous work experience for the last three months (a certified copy of the work book will do);
   • for men under the age of 28 - registration certificate or military ID;
   • contract of sale or share construction.
6. Borrower's age - from 23 to 58 years. At the same time, at the time of full repayment of the loan, the applicant must not be older than 65 years.

"Mortgage with us" from Belarusbank

High-quality service is one of the main advantages of Belarusbank. In particular, here you will be able to get instructions for registration plastic card or pay taxes or fines. Also, here you can get profitable loan for the purchase of primary or secondary housing "Mortgage with us".

The main conditions for granting a loan "Mortgage with us":

• currency used - Belarusian ruble;
• annual interest rate - from 7.99%;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• cashless payments;
• possible early repayment of the loan;
• the application must be considered within two business days (48 hours from the date of submission).

Features of the loan:

1. The standard time for consideration of the application is from one day to two days. In most cases, the applicant can find out about the decision of the bank already on the day of submitting the questionnaire.
2. The calculation of the maximum loan amount for the purchase of housing is carried out taking into account the salary and other officially confirmed income of the borrower.
3. Both the property itself and the property of the borrower or guarantors can be used as collateral.
4. Guarantors may be close relatives or third parties.
5. Real property purchased on credit must be insured for an amount equal to 100% of its value according to the appraiser's data.
6. Borrower life insurance is not provided in this case.
7. List of documents required for obtaining a loan:
   • an application drawn up in accordance with the form of the creditor bank;
   • a copy of the borrower's work book certified by the personnel department.
8. The maximum amount granted is up to 90% of the appraised value of the property. Before receiving a loan, the borrower must pay (and provide the bank with the relevant document) the remaining 10% of the cost of housing.
9. The age of the borrower is from 22 years (lower bar) to 60 years.

"Housewarming" from BPS-Sberbank

The Belarusian branch of Sberbank offers citizens of the country a profitable loan program, under which you can get borrowed funds for the purchase of finished housing or construction from scratch. Disadvantages of "Novoselya" - a high annual interest rate and a long list required documents.

The main conditions for granting a loan "Novoselye":

• currency used - Belarusian ruble;
• annual interest rate - from 13%;
• minimum amount - 5000 Belarusian rubles;
• debt repayment period - from 5 to 20 years;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• possible early repayment of the loan;
• the application must be considered within three business days (78 hours from the date of submission).

Features of the loan:

1. The standard processing time for an application is two to three days. If no response has been received by the end of this period, please contact financial institution for clarification.
2. Relatives of the borrower or third parties can act as guarantors.
3. Real property purchased on credit must be insured for an amount up to 100% of its value.
4. In most cases, the creditor bank insists on the conclusion additional agreement borrower's life insurance.
5. List of documents required for obtaining a loan:
   • an application drawn up in accordance with the form of the creditor bank;
   • the consent of the guarantor and a certificate of his income;
   • certificate of income of the borrower for the specified period;
   • passport of a citizen of Belarus or a residence permit;
   • a copy of the borrower's work book certified by the personnel department;
   • military ID or registration certificate - for male borrowers under the age of 28 years.
6. The maximum amount granted is from 70% to 90% of the appraised value of the property.
7. The age of the borrower is from 23 years (in the presence of a permanent place of work) to 58 years.

"Housewarming is coming soon" from Belgazprombank

• currency used - Belarusian ruble;
• annual interest rate - from 16.54%;
• maximum amount - up to 80% of the appraised value of the acquired object;
• debt repayment period - from 5 to 20 years;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• cashless payment or one-time cash withdrawal;
• there are no additional payments;
• possible early repayment of the loan;
• the application must be considered within five business days (120 hours from the date of submission).

Features of the loan:

1. The standard time for consideration of an application is from two to five working days (calculated from the moment the bank employee receives complete package documents).
2. The loan amount is calculated based on the applicant's ability and the cost of housing (according to an independent appraiser).
3. Purchased on credit real estate must be insured for 100% of the appraised value.
4. The borrower can decide for himself whether to insure his life or not.
5. List of documents required for obtaining a loan:
   • an application drawn up in accordance with the form of the creditor bank;
   • the consent of the guarantor and a certificate of his income;
   • certificate of income of the borrower for the past six months;
   • passport of a citizen of Belarus or a residence permit;
   • copies of pages 33–35 of the passport;
   • contract of sale or shared construction (original and copy).
6. The maximum amount provided is up to 80% of the cost according to the opinion of the appraiser.
7. The smallest possible age of the borrower is 18 years; the largest (at the time of obtaining a loan) - 64 years. The age of the end of payments in this case does not play a role.

Loan for the purchase of housing from Belarusbank

Attractive offer from the largest creditor of the Republic of Belarus. It can be used by both citizens of the country and persons with a residence permit. The peculiarity of the loan offer is the minimum of necessary documents and quick consideration of the application.

Basic conditions for granting a loan:

• currency used - Belarusian ruble;
• annual interest rate - from 11.5%;
• the maximum amount provided is up to 75% of the appraised value of the object that interested the borrower;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• only cashless payment;
• possible early repayment of the loan;
• the application must be considered within five business days (120 hours from the date of submission).

Features of the loan:

1. The standard time for consideration of an application is from two to five working days from the moment the application and the package of documents are received by a bank employee.
2. The loan amount is calculated based on the solvency of the applicant and the cost of housing (according to an independent appraiser).
3. List of documents required for obtaining a loan:
   • a copy of the borrower's passport;
4. The maximum amount provided is up to 75% of the appraised value of the apartment (house). The remaining 25% must be paid in advance by providing a document confirming the transaction, the borrower himself.
5. Age of the borrower - from 22 years; the upper bar is not defined by the creditor bank.

Loan for the purchase of residential real estate from Belinvestbank

Basic conditions for granting a loan:

• currency used - Belarusian ruble;
• annual interest rate - from 15.28%;
• maximum amount - up to 90% of the appraised value of the acquired object;
• debt repayment period - up to 20 years;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• cashless payment or one-time cash withdrawal;
• possible early repayment of the loan;
• the application must be considered within ten business days (240 hours from the date of submission).

Features of the loan:

1. The standard processing time for an application is seven to ten business days.
2. The loan amount is calculated based on financial position the applicant and the cost of housing based on the results of the assessment.
3. Real property purchased on credit must be insured for 100% of its appraised value.
4. Borrower life insurance is desirable but not required.
5. List of documents required for obtaining a loan:
   • an application drawn up in accordance with the form of the creditor bank;
   • the consent of the guarantor and a certificate of his income;
   • certificate of income of the borrower for the specified period;
   • a passport of a citizen of Belarus or a residence permit.
6. The maximum amount provided is up to 90% of the appraised value.
7. The minimum and maximum age of the borrower is not set by the financial institution.

A loan for the purchase of housing under the system of construction savings from Belarusbank

Another profitable proposition Belarusbank is focused, as the name suggests, on program participants building savings. Without this condition, it will not be possible to obtain the required amount at the minimum interest rate; a potential borrower will have to find another program, since there are a lot of them in Belarusbank.

Basic conditions for granting a loan:

• currency used - Belarusian ruble;
• annual interest rate - from 11%;
• the maximum amount granted is up to 75% of the appraised value of the immovable property;
• debt repayment period - from 5 to 20 years;
• guarantors are needed;
• need a deposit;
• there are no separate conditions for the needy;
• exclusively cashless payment;
• early repayment of the loan is welcomed;
• the application must be considered within five business days (120 hours from the date of submission).

Features of the loan:

1. The standard time for consideration of an application is from three to five working days from the date of receipt of the application and a package of documents by a bank employee.
2. The loan amount is calculated based on the solvency of the applicant and the cost of housing (according to an independent appraiser).
3. The guarantors can be both close relatives of the recipient of the borrowed funds (parents, children, brothers and sisters), and third parties with a sufficient level of income.
4. Real property purchased on credit must be insured for an amount equal to at least 100% of its appraised value.
5. List of documents required for obtaining a loan:
   • application form (questionnaire);
   • a copy of the passport of the recipient of the borrowed funds;
   • signed consent of the guarantor (guarantors);
   • statement of income for the past six months.
6. The maximum amount provided is up to 75% of the appraised value of the apartment (house). The remaining 25% is the burden on the borrower. Before issuing funds, the bank will require documentary evidence of payment.
7. The minimum and maximum age of the borrower is not determined by the financial institution.

Loan for those in need of better living conditions from Belarusbank

The size, as in Belarus, leaves much to be desired. Therefore, it is often of fundamental importance for the borrower not to purchase a completely new home, but to move to a more spacious and comfortable apartment. The program for the needy from one of the largest financial institutions in the country can help the citizens of Belarus in this.

The main conditions for granting a loan for those in need:

• currency used - Belarusian ruble;
• annual interest rate - from 8.5%;
• debt maturity - 5, 10 or 15 years;
• guarantors are needed;
• need a deposit;
• cashless payments;
• possible early repayment of the loan;
• the application must be considered within two business days (48 hours from the date of submission).

Features of the loan:

1. The standard time for consideration of the application is from one day to two days.
2. The calculation of the maximum loan amount is made taking into account the solvency of the applicant according to the following standards:
   • up to 75% of the appraised value - in most cases;
   • up to 95% - for large families with three or more minor children.
3. The collateral is the object of the transaction itself or housing owned by the guarantors.
4. Both close relatives and third parties can act as guarantors.
5. Real property purchased on credit must be insured for an amount up to 100% of the appraised value.
6. Borrower life insurance is optional.
7. List of documents required for obtaining a loan:
8. an application in the form of a creditor bank;
   • questionnaire and consent to the processing of personal data from the guarantor;
   • statement of current financial position;
   • certificate of income of the borrower for the last six months;
   • passport of a citizen of the Republic of Belarus or a residence permit;
9. The age of the borrower is not standardized.

Summing up

To get a loan to purchase a home in Belarus, you must have a passport of a citizen of the country or a residence permit. In most cases, funds are transferred to the borrower's account, although sometimes it is also possible to issue money in hand. Mandatory conditions- provision by the applicant of a certificate of income and insurance of the acquired property.

The recipient of borrowed funds will have to not only bring guarantors, but also provide collateral (the object of the transaction itself may become it). Currently, all banks in Belarus allow the client to opt out of life insurance. The application can be considered within one to ten days; if after this period the financial institution has not notified the citizen of its decision, he should independently apply for a final answer - or find another, more accurate and obligatory creditor.

Currently, many people dream of moving out of the noisy metropolis outside the city, closer to nature, or simply having a dacha where they can come for a weekend of cultural recreation, and Belarusian citizens are no exception. Therefore, enterprising banks began to offer loans for housing construction in Belarus. Consider the main proposals and subtleties of choosing suitable lending programs.

How is the situation with lending for the construction of houses in Belarus

Belarus is agricultural country Therefore, all government efforts are aimed at reviving and stabilizing the agricultural sector. In this regard, citizens build houses and receive not only profitable loan products, but also government subsidies intended for certain categories of Belarusians. But it often happens that a person or family cannot competently approach the choice credit program. They are conducted only for low interest or for a minimum package of documents. In this regard, it is necessary to compare all offers and make the best choice.

How to get a loan for housing construction in Belarus

The housing issue in this country today is one of the most pressing issues, and in practice the possibility of independent solution limited. excessive high price real estate is simply incomparable with low level salaries of average employees of public and private enterprises. Therefore, buying a home in a short time is akin to fantasy.

The Government of the Republic annually makes adjustments and improvements to the legislation, and all of them are aimed at improving the conditions under which loans are granted. In conditions economic crisis it is problematic to do so, but the policy aims to improve the living conditions of all citizens. There are many banks in Belarus, and almost every one of them is ready to offer optimal lending conditions. They will be studied further.

Key conditions for obtaining a loan in Belarus

Construction of housing from scratch, especially the construction of a private house on credit in Belarus - The best way resolving the issue. If only because a new residential property will always be liquid, and this additional guarantee for the bank. Here are the requirements you can count on when applying to Belarusian banking organizations for a loan to build your own house:

• rate - 10-37% (depending on various factors);
• guarantee;
• collateral is required;
• the period of granting is on average 20 years;
• entry fee (10-30% of the loan).

Of course, every bank has a list additional conditions on the basis of which loan funds. In addition, it is worth paying attention to several factors - the solvency of the loan recipient, age, amount and lending program. Depending on them general terms and Conditions granting loans may vary in different banking organizations.

List of documents to be provided

Every year, such loans are in increasing demand among the population, as they represent a real opportunity to build your dream home. In this regard, banks are constantly simplifying the conditions for obtaining loans, thereby motivating citizens to apply for loans. Here is a simplified set of elements that you need to provide in order to acquire finance:

• loan application;
• a completed questionnaire indicating personal data (it is important that all of them are filled out reliably);
• the project of a residential building that you are going to build;
• data on collateral;
• confirmations from guarantors;
• passport and supporting document if necessary;
• certificate from the place of work, indicating the level of income (it must be filled out in the form of 2-NDFL or in the form of a banking organization).

The form of filling in these data is established by the internal procedure of an organization. For detailed information, you should contact an employee of the selected financial institution.

The best offers from banks for loans for building a house

There are a large number of banking organizations in Belarus offering optimal lending conditions for all categories of citizens. Consider a list of conditions and options for repaying a loan.

Priorbank

This is one of the leading commercial banks in Belarus, offering loans on various purposes and needs. The advantages of real estate construction loans from this organization are as follows:

• the possibility of granting a deferment;
• no need for registration;
• taking into account total income;
• prompt consideration of the application;
• many convenient repayment options.

The main loan program "Friendly family" and "Construction of housing on bail". Let's consider these programs in accordance with their names.

1. The amount is 4,500 to 108,000 euros (when considered in equivalent terms).
2. In both cases, payments decrease over time.
3. A pledge of real estate is provided, and the guarantee is provided for by the program "Friendly family" with regard to target credit "Construction on bail" guarantors may or may not exist.
4. A mandatory item is the conclusion of an appropriate policy with the insurance company. Life insurance is optional, but the bank most often insists on it due to high risks.
5. The average loan term in a bank is 5, 10, 15 years.
6. The interest rate is 10% during the first year of the loan, and then it rises to 14% for the remaining period of the loan.

If we take into account all the conditions, we can say that the bank provides profitable terms lending. This is manifested in absolutely all aspects of obtaining loans.

BELARUSBANK

JSC "ASB BELARUSBANK" is one of the leading credit institutions countries. Its main goal is to provide as many citizens as possible with profitable loans for various purposes, the construction of residential property is no exception. The advantages of obtaining a loan from this banking organization are obvious:

• Availability a large number options for convenient loan repayment (information kiosks, Internet banking, terminals, offices, automatic payment system);
• possibility early repayment loans without accrual of penalties and interest;
• if a citizen receives a pension or wages in this organization, he does not need to bring a certificate of income when applying for a loan.

Conditions to be met in order to receive a loan:

1. Interest rate. It changes over the life of the loan. That is, during the first 24 months, its size is equal to the refinancing rate adopted in national bank. And from the 25th month. it goes up by 3 points.
2. Loan term. Practice shows that most often people take a loan up to 20 years.
3. The loan amount varies depending on the solvency of the recipient and is up to 90% of the cost of construction activities.
4. Collateral also plays an important role and involves surety, collateral, loan insurance.

Here is a list of conditions that must be met in order to obtain a loan on favorable terms. Try to remember them.

BELAGROPROMBANK

This is the leading financial institution in the country, providing loans for various needs. Judging by the name, one can guess that the purpose of the organization is to assist the state in the development of the agricultural sector. This only means that borrowers can count on the most favorable lending conditions for housing construction. Here are a few features that this organization implies:

• the interest rate for using a loan is variable and may change in accordance with fluctuations in the refinancing rate within the framework of the Central Bank. In the first two years it will be 11%, from the 3rd - 14%;
• debt repayment is carried out monthly in accordance with the actual daily balance of the debt obligation on the loan;
• repayment occurs in annuities ( equal payments), the bank has the opportunity to grant a deferment for a total period of up to one and a half years;
• the currency in which the funds are provided is bel. rubles;
• necessarily there is a registration of contractual relations on collateral and surety security of the loan;
• the maximum loan amount cannot be more than 150,000 Belarusian rubles, and it must not exceed 90% of approximate cost works;
• repayment of the debt can take place in cash or non-cash form;
• the term of the loan is up to 20 years, early repayment is possible;
• two or more must be selected as guarantors individuals and you also need to provide a deposit.

Here are a few basic requirements on the basis of which you can profitably get a loan:

• reaching adulthood;
• registration at the place of residence;
• availability of official income;
• no debts and negative credit history.

So, we have considered how to get a loan for the construction of a private house in Belarus. It is quite easy to do this if you follow the conditions proposed banking organizations and meet all their requirements. It is also important to choose suitable program that suits your wishes and preferences. We have reviewed the most popular offers from leading Belarusian banks.