`Lending buy suburban real estate remains a narrow segment of the mortgage market. As long as the loan is bought about 3% of the country real estate, that is, with such programs have formed their own audience, but to talk about the popularity of suburban mortgage too early '- Natalia agrees Chukaeva, Director of Marketing Analysis Management Company `SCALE`.

Also, low interest on mortgages on suburban housing market, compared with urban mortgage observed in CIT Finance Investment Bank `At the moment the conditions of mortgage programs make it possible to buy KIT Finance in country real estate loan. But the high demand for it we have not noticed - Lazarenko said Michael, director of the bank's mortgage department - now credit provided for purchase of individual houses, are only 1% of total mortgage loans `. In addition to high growth in real estate prices, among the causes which hinder the development of suburban mortgages, experts note the absence of market towns economy class. `This segment could enjoy great popularity among the population. And it is this category of customers form the largest audience of mortgage loans `, - says Natalya Chukaeva.

Virtually all the experts, without exception, has been criticized for inadequate legislative framework relating to ownership of land and its use. `Among the obstacles to this type of loan - frequent cases of incorrect transfer of lands. Land should be designed for individual housing construction or to maintain suburban economy '- continues Ms. Chukaeva.

According to Albert Hisametdinov, First Deputy Chairman CB `` Moscommertsbank negatively on the market `suburban 'mortgages, primarily affects:` No good offers for a reasonable price, initially high starting price of the objects, the traditional problems of documentation (on earth) . Country house itself is an expensive type of real estate, as well as after the acquisition of the object necessary fixed costs of care, maintenance, etc. `.

According to Alexey Dorosh process slows down: `low level of elaboration of legislation in the field of property rights and use of land and, consequently, the regular revision of the fundamental rules of land use and land tenure. Examples of this are the regular claims of environmental agencies to the owners of objects in the zone of drainage, protected areas and others, plots treated with mixed appointment. In addition, the suburban real estate market is still very opaque, respectively, the risks of lending are still higher than the potential profit - only a small part of the country real estate property should be framed in a way '- he says.

At the same time, Natalia Petelina Head of Legal Bureau N. Petelino sees the problem in: `complicated procedure for the preparation of documents for check-in and approval of the banks - as is sometimes necessary documents to the seller it is difficult to provide`. In addition, the factor which ultimately limits the number of properties and land available for lending, Natalia Petelina calls: `Poor quality construction (of low quality and cheap materials) and commissioning of communication with disabilities'.

As a consequence of increased risk, credit conditions in the market average somewhat different from those in obtaining mortgages to buy apartments in apartment buildings. 'Credit conditions for suburban real estate tighter - which is associated with additional risk factors. So for half of the initial installment credit programs for 'fence' is 30-50% (for the apartments 10% - 30%). Interest rates are higher by 1-2% compared to the credit of city apartments, and the construction phase, this percentage may be even 2-3% more ', says Ms. Petelina.

But this is an average of the market. Several banks have already resulted in all of their mortgage programs, regardless of the type of the purchased object to a common denominator. `Conditions for obtaining credit for the purchase of individual homes in KIT Finance is fully consistent with the terms of a loan to buy an apartment in an apartment house. Thus, the interest rate can range from 10,75% per annum in rubles and from 9,75% per annum in U.S. dollars, and the term of the loan - up to 30 years' - told us Michael Lazarenko. `In fact, the credits for these two types of real estate (cottage and apartment) in the leading banks did not differ either in their parameters, or by the requirements of the documents. Maximum loan amount is also not limited. Today, to buy a country house within 10 km from Moscow and could do no down payment '- adds Natalia Rossoshanskaya, director of retail sales FOSBORN `Home`.

Comparing credit conditions, we can not say about the so-called additional payments. And here is different from the `rent 'mortgage. `The structure of payments is the same (the same types of payments - the insurance facility, its assessment, the fee for application review and issuance of credit, etc.). But prices are on average more in two or more times', - says Natalya Petelina. `Compared with lending for the purchase of apartments increased risks of banks. Because along with the borrower acquires the home and land, the risks relate to the registration rights to her. Just like when buying an apartment, the borrower must pay the insurance complex, which, however, differ somewhat from those which he pays when buying an apartment. So to win the title it insures not only the house but the land `, recognized Michael Lazarenko. Of course, differences in insurance risk of loss of life and disability of the borrower not. But as property insurance - another risk that requires insurance, then the `average property insurance increased by 0,2%, and the score becomes more expensive to 6 000 rubles' - says Albert Hisametdinov.

Mortgage loans on the market suburban housing are issued, both the primary and the secondary market, some banks are even programs for the acquisition of land under the mortgage. In the presence of liquid real estate is always possible to obtain a loan under its mortgage, which may be a target, so even non-target, that is just for any purpose. But if you are interested in clean mortgage, the loan is secured by the property is purchased, then the banks are put forward some limitations.

`Mortgage banks with great care are lending cottage villages in the primary market: because of the collateral does not yet exist. And 100% guarantee of success of the project is not even the name of the developer ', - says Natalya Chukaeva, Director of marketing analysis of the Management Company `SCALE`.

This property must meet a number of requirements that are standard in most banks. In particular, CIT Finance Investment Bank requires that a country house or cottage, which may be pledged:

Do not be a detached house, ie located in the village, located on the territory of which the other individual houses, suitable for residence;
Having access road that provides year-round access to the land on which the house is an individual;
Be suitable for year-round residence;
Have a constant power supply from an external source;
Being a secured system of gas or electric heating and cold water supply (including self);
Having a targeted use of the land (land): For residential or suburban construction;
Are in satisfactory condition, no defects of structural elements and engineering equipment, which can lead to accidents at home.
`Requirements for an object suburban property line with the general logic of the requirements for collateral subject: it must be highly liquid over the term of the loan, with those in the same market conditions as at the time of lending` - summarize Alex Dorosh, Director of Sales and Development Russian Mortgage Bank.

As always, of particular importance in the `suburban 'mortgage is the land question. `In addition to the title documents for the house itself, is also required documents for a land plot: excerpts that there is no registered encumbrances, the cadastral plan of the land, drawing the borders (the plan), and act on standard cost plot ', says Paul Komolov, underwriter brokerage firm` Independent Mortgage Bureau '.

`Land must be located on land under individual housing construction. Lands of agricultural or other purposes (as stated in the Land Code), under construction can not be used (except for land allocated under the partnership and the garden with permission for construction) `, adds Natalia Petelina. But here is not so simple, `Banks will not lend to buy houses in the garden societies', - notes Natalia Rossoshanskaya director of retail sales FOSBORN` Home `.

Despite some difficulties, experts are looking with optimism to this type of mortgage lending. One of the reasons that was mentioned by all experts who were interviewed portal `Kvadroom. Real Russia `- is excessively high prices of urban housing. `The demand for suburban property and spurs price equalization: now you can buy a country house at the price of Moscow apartments. True, the `other side of` stay out of town is the low level of infrastructure and busy suburban highways', argues Alex Dorosh. `As the prices of flats have started approaching the prices of houses under construction, loans for their purchase of the autumn have become very essential. We expect the banks to this market ', - believes Paul Komolov. His optimism is shared by other experts.

The only question - is the suburban real estate market segments in which banks would exercise their activity in the coming year. `Today is a big demand for mortgage loans suburban housing economy class. Their average size is about 150 thousand dollars, - said Alexey Dorosh, - however, there was a tendency: the secured section of the population does not distract from the business's own funds for housing business class, and it uses the mortgages. Lending elite housing is difficult because of the difficulty of its implementation in the event of default on the loan '- he concludes. However, as noted by experts in the field of real estate, as in the secondary and primary markets of suburban housing, there is lack of economy-class cottages with increased demand for them.