Citizens of Russia, wishing to buy property in the near abroad, hardly could find a bank in their country, which has agreed to issue a loan secured by a "foreign" housing. "Never heard of such massive programs, nor about individual transactions", - said the deputy chairman of the City Mortgage Bank, Igor Zhigunov. "I think this is due to the fact that the Russian credit organizations do not have enough knowledge in the field of mortgage laws of the countries neighboring countries, as well as the penalties have no experience of the collateral in case of no return", - adds chairman Moscommertsbank Andrei Saveliev.
However, the output still is. To acquire real estate in the neighboring country, you can use an alternative scheme: the security of Moscow apartment houses in Moscow or the borrower receives a loan and has already untied the money to buy housing in another state. "In our bank-million dollar loan for any purpose mortgages for 15 years can take 12%. The rate is higher than one percentage point, than on mortgage schemes ", - said Director of Sales and development of the Russian Mortgage Bank (BID) Alex Dorosh. The difference in one item for mortgage transactions, of course, is palpable. For example, if a mortgage program in Ribe in the amount of $ 750 thousand with an initial contribution of 10% and 15 years in the final of the borrower will pay about $ 1.53 million Non-earmarked a loan for the same amount, taken at 12%, in the end will result in $ 1, That is 62 million customer overpays extra $ 90 thousand "But we do not require any supporting documents on the targeted use of loan", - says Alexey Dorosh. $ 750 thousand in this case - the maximum amount of diversion credit, and it should be no more than 70% of the cost of housing. However, this money will be enough to, for example, to acquire five two-bedroom apartments in the center of Yalta ($ 128 thousand each).

In some cases, using a more sophisticated scheme, the borrower can kill two birds with one stone: not only to buy an apartment abroad on credit, but also to save on interest. "For example, in the Baltic formalize mortgage alien would not be possible if at the time of applying for a loan, he does not own real estate there, - says Igor Zhigunov. - Under the pledge of a Moscow apartment of our fellow citizens take untied loan to Russia's bank. With these funds they acquire housing in the Baltics, and then secured by foreign real draw up a mortgage in the local lending institution at a low rate - 4-6% per annum, and repay the loan expensive Russia.

Looking for a local sponsor. There are no universal recommendations in a bank - Russia's foreign or - better access to the consumer who wants to buy an apartment in the near abroad. Too many factors here to consider. One of the most important, says Alex Dorosh - the nationality of the borrower: "If you have dual citizenship, more profitable to borrow in the location of the property. And when the loan is taking a non-resident, credited better in Russia. " It is easier to confirm income, be tested for ability to pay and get a reasonable rate on the loan.

Russians, who are trying to formalize a mortgage on the territory of the country where the gain square meters, waiting at the stage of consideration of the application: "Not all banks are working with non-residents. But if the credit institution takes a decision in favor of the borrower, it usually requires a guarantee of a citizen, registered and residing in the territory of Ukraine ", - says head of retail credit products Ukrgazbanka Dmitry Zamotaev. "For bank presence surety will be a defining factor in the issue of a positive decision on granting a loan, - agrees to deputy chief of the mortgage UkrSotsBank Vladislav Korolev.

Loan with a residence permit. In general, the interlocutors noted "F.", foreign banks are not too eager to lend to citizens of other countries. Although theoretically, if the borrower meets the necessary criteria, and sources of revenue are transparent, rely on the loan still possible. "Usually in banks rather strict requirements on foreign borrowing, lending institutions seek to lend only to residents. Rates may be lower than in Russia, but to get a loan is often problematic, "- commented Alex Dorosh.

One of the most liberal "neighboring" countries in this regard is Ukraine. According to Dmitry Zamotaeva, sometimes foreign klientatam even allowed to give as collateral Russia's real estate.

"For myself, I identified three groups of borrowers foreigners who take a mortgage in our country. The first group - the ones who have relatives in Ukraine, the second - the people who buy apartments in the resort towns, and others - do business in the territory of our country and get home to rid themselves of the cost of a hotel ", - said Vladislav Korolev. The easiest way to get a loan from Ukrainian bank representatives to the first and third groups. "In some roots here (and, accordingly, the sureties), while others are transparent to the banks because their business is easy to verify. The most complex - the second group ", - adds the expert.

Kazakh bankers are more cautious. "Our banks are issuing mortgage loans to citizens of nearby countries only on condition that those have a residence permit - says the project manager, grocery department managers Temirbank Tatiana Kenzhibaeva. - Get a loan in Kazakhstan without it impossible. "

Belarusian banks even more categorical. "According to the standard requirements, the borrower of our bank - whether it takes a mortgage loan or any other - must necessarily be a citizen of Belarus", - says Director of the Department on work with private clients Priorbank Dmitry Frolov. According to him, a credit institution with extreme caution applies even to the residents of the country, working abroad. "We very carefully check their sources of income and ability to pay", - said the banker.

Once Priorbank (included in the group Raiffeisenbank) worked with non-residents, but after the incident with the Russians, who took the credit, refused to pay, and returned home - to stop this practice. "We had to find the borrower, to ride on Russia's courts" - says Dmitry Frolov. He notes that some of the Belarusian banks are working with citizens of other countries who have a residence permit, but this practice is not widespread and is rather the exception.

Domestic orders. Loyal Ukrainian bankers assert that the lending rates for non-residents will not differ from those that are offered to nationals. If you take the top-10 largest Ukrainian banks, the dollar of mortgage loans for housing purchase in the "Resale" will provide a 12-13,5% per annum (in Russia mortgage dollar you can get by 9-10%).

Down payment, most likely, Russia borrower will have to make a solid - at least 30% of the cost of housing. Note: many of the financial institution for the residents of Ukraine did not require advance payment, and if the initial contribution is required, it is 10-20%.

Pending the conclusion of the contract the borrower must be obtained from the tax identification number (similar to Russia's tax identification number), without which the conclusion of the contract and notarization of documents possible. According to Ukrainian creditors, the procedure is simple and does not require substantial financial costs. The insurance also must be framed in a country where the consumer receives the loan. The scheme is similar to Russia: the insurer - friendly to the creditor company. "In our bank mortgage insurance is required only to property that would cost about 0.3% of its value, and the maximum set of contracts may include as well as life insurance, disability and the title," - says Vladislav Korolev. "In Kazakhstan, the conditions for non-resident mortgage loan will be more stringent - recognized Tatiana Kenzhibaeva. - For example, the crediting period will not exceed the period of residence. On average, she says, the rates on loans in Kazakhstan is about 14% for tenge, or for dollars. "Even given that Russia will have to take untied loan against existing housing conditions here will be more profitable - says Alexey Dorosh. - If the borrower does not have this at the insistence of the bank transfer documents on income into the local language. In Russia, said the banker, with a loan you can get by without income, in foreign banks "it will not work.

COMPARISON: Cold calculation
Suppose you are going to buy an apartment for $ 175 thousand in Yalta, the total area of 120 square meters. meters in five minutes' walk from the sea.

Loan to Ukraine may take 12.5% APR (terms Ukrsotsbank), paying the first installment of 30% of the cost (the requirement for non-residents). In this case, the amount of the loan amount to $ 122,5 thousand If you draw a loan for 15 years, the monthly annuity payment under the scheme will be equal to $ 1,525 thousand after 15 years, the borrower will pay $ 275 thousand, however, must still take into account the cost of insurance (0.3% per year of the balance of the debt) - $ 5,6 thousand, notary services - approximately $ 200 payment to the state (2% of property value) - $ 3,5 thousand, the bank's processing fee (1% of the loan amount) - $ 1.8 thousand . That is, the borrower will pay an additional $ 11 thousand total overpayment on the loan - $ 163,5 thousands

If you take the non-earmarked a loan of the same size of a credit institution in Russia at 12% per annum (conditions of the Russian Mortgage Bank), the monthly bank will need to give $ 1480. As a result, over 15 years the client will pay $ 266 thousand insurance in this case is more expensive than in Ukraine - 1,5% per annum of the balance of the loan, ie a total of $ 18.3 thousand Notary services will cost $ 840, assessment of collateral - about $ 150, $ 1,2 thousand - one-time commission for the issuance of credit (1% of the loan). $ 600 will pay for cashing funds (0,5% of loan amount). Additional cost - $ 21 thousand, that is two times more than in the "Ukrainian" case. But the total overpayment is almost the same - $ 164.5 thousand Proceeding from the above examples, for the consumer in the financial sense in the long run it makes no difference where to register the loan. In this case, of course, it makes sense to apply to Russia's credit organization, where the process of registration of the loan probably will be less "painful" and more quickly.