Just Money

The easiest way to get cash loans without collateral, which the borrower can spend as he pleases. Such proposals are among many banks engaged in consumer lending. However, the amount of such loans are generally not sufficient for the construction of homes, and their cost, by contrast, is maximal. For example, the credit "cash" bank "Russian Standard" is granted only to the amount of 300 000 rubles. under 23% per annum for a period of five years. To obtain permission to provide an income statement in the form of a bank or 2-PIT.

Some banks are willing to lend the developer suburban area and a larger amount, but only if he let his income. Thus, in "VTB 24" loans of up to 750 000 rubles. (up to $ 25 000 or 25 000 euros) are issued for up to five years at 16-18% per annum in rubles or 11,5-12,5% per annum in the currency depending on the term loan. Here, the borrower will also require an income statement. The bank "Revival" maximum "Credit repair", which can also be used for construction of 1 million rubles. or $ 35 000. Credit for this amount available to a borrower with an income of not less than 50 000 rubles. month. The interest rate on this loan will be 17% in rubles or 13% in dollar term loan - five years. But to obtain it in addition to the official statement of earnings will need more and surety.

Under bail

If you are ready for the construction of cottages lay their city apartment or other property belonging to you, you can take advantage of cheaper collateral loans, both earmarked and unearmarked.

Of course, not everyone wants to lay flat, often the only housing, in order to build a cottage. However, this step will provide a fairly large loan (up to 75-80% of the value of the collateral) and significantly save on interest.

Interest rates of secured loans are often close to the rates on conventional mortgages, which are the lowest.

For example, to finance construction of a country house, you can use credit RE-home, which offers "Home Credit and Finance Bank". As a pledge here can serve apartment, room or house belonging to himself as a borrower and his friends or relatives. But then these people will have to become a co-borrower on the loan, warns the director of the department Mortgage Home Credit and Finance Bank "Vladimir Gasyak. According to him, so received the money (amounting to 80% of the value of the mortgaged property) may be used inappropriately, including the construction of suburban homes. The term of the loan - from 10 to 25 years, and the interest rate - from 13,25% per annum in rubles and from 11,25% per annum in foreign currency.

A bank DeltaCredit offers loans secured by real estate available for up to 10 years, which can also be used for the construction of suburban homes. The sum of the loan can reach up to $ 300 000, or 9 million rubles. If approved, the borrower's income with a certificate in Form 2-personal income tax rate for Ruble loans amount to 12,5% per annum, and on the dollar - 11.25% per annum. Some banks, such Rosevbank and others, began to offer collateral loans specifically for dacha construction.

As collateral for such loans can be used and the section itself, which will be constructed. But only if it is privatized. Usually, banks agree to take a pledge only the land, located near Moscow. "To obtain a loan for the construction of the security of land necessary documents to prove ownership of land, the cadastral plan of the land, the appraisal report the market value of the site, compiled by an independent appraiser," - said the head of sales support Pavel Rybakov.

Often, the collateral accepted only parts of the liquid transferred to the status of "land settlements" with the purpose - individual housing construction. Construction loan secured by such land offers, for instance, Moscow Credit Bank

A borrower who wants to get a special holiday credit "pledge. Cottage "RosEvroBank, must submit to the bank deposit available land with unfinished construction sites, and at the end of construction draw mortgage and unfinished house. "In the context of individual projects as collateral can be used an empty plot of land", - says the deputy head of mortgage RosEvroBank Elena Kaverina. This credit will be issued for up to 30 years, and its maximum amount is determined by the customer's solvency and the estimated value of collateral. Conditions other loans refer to the table.

People who dare to get a target credit cash should be aware that the lending bank may require a report on expenditure of money granted. "When it comes to building a summer residence, the borrower must reaffirm the documents targeted use of funds. This may be contracts, construction contracts, cost estimates, receipt voucher, as well as checks and balances of building materials ", - explains Knyazev from the IMB. If the borrower did not, unconfirmed part trust loan must be returned to the bank. In addition, it will impose a fine.

Money builders

In recent years, trust bank loans for the construction of country houses, which are specific companies, for example, the production association "Strong home" and "architect", etc. Banks directly transfers the money construction firm with which the borrower has signed a contract for the construction of the house.

For example, in Tsaritsyn branch of Sberbank in Moscow to customers "Architect" give out loans on credit terms for emergency needs for a period of one and a half to five years at 15-17% per annum in rubles or 15,5-17,5% annual in dollars and euros . A Moscow Bank for Reconstruction and Development (IBRD) to its customers the company's ruble-denominated loans at 16% per annum. In addition, IBRD charges a monthly fee for maintaining the loan account in the amount of 0,9%.