Belinvestbank loan calculator for housing. Belinvestbank mortgage calculator
The acquisition of living space in most cases is associated with the attraction of credit funds. Belinvestbank offers several loan housing programs for the population of the Republic of Belarus.
Real estate financing loan
Receive borrowed funds it is possible for the construction of a residential building, or other real estate, or for the purchase of finished living space.
The loan amount depends on the assessed value of the property, while the borrower must pay at least 10% own funds to pay for housing. The solvency of the main borrower and co-borrowers is taken into account.
Guarantees are allowed not only for individuals, but also for legal entities.
Partial or full early repayment is allowed at any loan term without penalty.
Package of documents
For getting housing loan you will need to prepare the following documents:
application of the main borrower, indicating personal data;
- borrower's passport;
- passports of guarantors;
- income statement for the last 6 months of the borrower and guarantors;
- written consent of the borrower and its guarantors to provide a credit report.
The bank has the right to request additional documents borrower or guarantor.
The procedure for obtaining a loan
You can leave an application for a loan for the purchase of housing at a branch of Belinvestbank, or on the official website of the organization. The borrower does not receive the loan. The bank transfers money by bank transfer to the account of the developer of the object, or the seller of the finished property.
Is it possible to solve the housing problem with the help of a loan? the site and the developer found out what loans banks offer for the purchase of real estate and how much they have to pay.
Real estate loans are similar to car loans in terms of terms and conditions. Here, too, you will need your own participation in the purchase and provision. Own participation depends on the conditions of a particular bank and usually does not exceed 30%. As insurance, the bank may ask for collateral and surety.
For home loans now the longest maximum term. The client can count on 15-20 years to repay the loan. However, the maximum period for consumer loans most often is 5 years, and for loans to buy a car - 7 years.
There are also differences in interest rates. Real estate loans will be cheaper than others - 12-14% in the bulk instead of 13-18% for consumer loans.
|
bank, credit |
Bid, maximum amount, maximum term |
Percentage of own participation, security |
|---|---|---|
|
Belarusbank
, |
first 2 years 11% , Then 14% |
10%, up to 50,000 rubles: over 50,000 rubles: |
| ASB "Leasing", affiliate program for finished housing |
|
|
|
Bank BelVEB
, |
13% , up to 100,000 rubles, up to 20 years |
|
|
Belagroprombank
, |
first 2 years 11% , Then 14% , up to 150,000 rubles, up to 20 years |
|
|
Belarusbank
, |
12% , the amount is limited by solvency, up to 20 years |
25%, up to 50,000 rubles: guarantee, pledge and other methods provided for by the legislation of the Republic of Belarus, except for a penalty and insurance of the risk of non-repayment of a loan over 50,000 rubles: suretyship and pledge (mortgage) of residential premises under construction |
|
Belgazprombank
, |
13,9% , the amount is limited by solvency, up to 20 years |
|
|
Belinvestbank
, |
14,69% |
minimum 10%, |
|
BPS-Sberbank
, |
first 2 years 14% , Then 13,5% |
|
|
Paritetbank
, |
15,5% , up to 100,000 rubles, up to 15 years |
|
|
Priorbank
, |
10% - first year, then 14% |
|
|
Priorbank
, |
10% - first year, then 14% |
|
|
Priorbank
, |
10% - first year, then 14% , up to 108 000 EUR equivalent, up to 15 years |
20%, real estate pledge |
|
francabank,
|
16% |
|
|
bank, credit |
Rate, maximum amount, maximum term, |
|
|---|---|---|
|
Belarusbank
, |
first 2 years 11% , Then 14% , the amount is limited by solvency, up to 20 years 10%, up to 50,000 rubles: guarantee, pledge and other methods provided for by the legislation of the Republic of Belarus, except for a penalty and insurance of the risk of non-repayment of a loan over 50,000 rubles: suretyship and pledge (mortgage) of residential premises under construction |
|
|
Bank BelVEB
, |
13% , up to 100,000 rubles, up to 20 years 20%, when lending up to 60% of the cost - 1-2 guarantors or a pledge, above 60% of the cost - 2 guarantors and a pledge of acquired property |
|
|
Belagroprombank
, |
first 2 years 11% , Then 14% , up to 150,000 rubles, up to 20 years 10%, 2 guarantors and (or) pledge of acquired property |
|
|
Belarusbank
, |
12% , the amount is limited by solvency, up to 20 years 25%, up to 50,000 rubles: guarantee, pledge and other methods provided for by the legislation of the Republic of Belarus, except for a penalty and insurance of the risk of non-repayment of a loan over 50,000 rubles: suretyship and pledge (mortgage) of residential premises under construction |
|
|
Belgazprombank
, |
13,9% , the amount is limited by solvency, up to 20 years minimum 20%, pledge of acquired property and guarantee (if necessary) |
|
|
Belinvestbank
, |
14,69% (there is an opportunity to lower it with additional security), the amount is limited by solvency, up to 20 years minimum 10%, surety (it is possible to add other ways and thereby lower the rate) |
|
|
BPS-Sberbank
, |
first 2 years 12% , Then 14% (with insurance - reduced by 0.5%), up to 150,000 USD equivalent, up to 20 years 10-30% (depending on the security), suretyship or pledge of property or property rights/ security deposit |
|
|
Paritetbank
, |
15,5% , up to 100,000 rubles, up to 15 years at least 30%, up to 15,000 rubles. - forfeit; up to 50,000 rubles - surety individuals; up to 100,000 rubles - pledge |
|
|
Priorbank
, |
10% - first year, then 14% , up to 108 000 EUR equivalent, up to 15 years 20%, pledge of real estate, guarantee of close relatives |
|
|
Priorbank
, |
10% - first year, then 14% , up to 21 000 EUR equivalent, up to 15 years 20%, guarantee of spouse, relatives or reliable friends |
|
|
Priorbank
, |
10% - first year, then 14% , up to 108 000 EUR equivalent, up to 15 years 20%, real estate pledge |
|
|
francabank,
|
16% , up to 100,000 rubles, up to 15 years from 10,000 to 25,000 rubles - forfeit, surety and (or) pledge of the acquired residential premises from 25,000 rubles and in the amount of more than 50% of the cost of the acquired residential premises - 2 guarantors and a pledge of the purchased residential premises from 25,000 rubles and if the loan amount is less than 50% of the cost of the dwelling - a pledge of the purchased dwelling |
|
What are the current conditions?
- Interest rates on real estate loans now range from 12 to 16%, while the bulk of the rates are 13-14%.
- Belagroprombank, Belarusbank, BPS-Sberbank, Priorbank reduce the main interest rate in the first years. For example, Priorbank reduces the rate to 10% in the first year, while the main rate is 14%.
- Banks are ready to offer loans for up to 20 years. Exception: Priorbank, Paritetbank and Francabank, which offer a term of 15 years.
- Own participation is now 10-30%. At the same time, the most small percentage Belarusbank, Belagroprombank, Belinvestbank and BPS-Sberbank are asking for participation - 10%.
How much will you have to pay?
Suppose you do not have enough to buy an apartment 20 thousand dollars (conditionally - 40 thousand Belarusian rubles). We calculated payments and overpayments using the example of a loan from BelVEB Bank (the lowest principal interest rate).
Maximum monthly payment for such a loan for a period of 20 years will be approximately 600 rubles, and the total overpayment is about 52,216 rubles (if everything is repaid on time and on schedule).
Project partner:
A-100 Development group of companies has been successfully operating in the real estate market of Belarus for 12 years. Now the company offers the purchase of finished apartments in residential areas Novaya Borovaya and Zeleny Bor — 5.5% per annum, which is the lowest rate on the Belarusian market.
Mortgage Calculator Belinvestbank will help everyone who wants to get acquainted with the terms of the loan in absentia, as well as make calculations of the monthly payment.
Mortgage programs in Belinvestbank are represented by 4 programs that are aimed at the purchase of residential and commercial real estate. Also, with the help of a loan, you can buy a cottage, land plot or a garage.
Persons who are registered as in need of improvement living conditions, may qualify for preferential terms. For them, the interest rate reduced by 6 points, which is 25%, is provided. True, in this case, the bank requires security in the form of a surety or pledge of property. If you take out a mortgage on residential real estate on standard terms, your interest rate will be 31% per annum.
All loans Belinvestbank issues in national currency, that is, in Belarusian rubles. Maximum size loan is determined individually, depending on the level of average monthly income.
The good news is that the rate can be reduced. The following are the cases when the bank provides this benefit:
- If there is one positive credit history in Belinvestbank - 0.5%;
- If you have a Gold class card - 0.5%;
- If the first two points are fulfilled simultaneously - 1%;
- If you already have two or more positive credit histories in Belinvestbank - 1%.
Lending terms:
Fill out the form to get started with the loan.
Belinvestbank mortgage calculator
Topic mortgage lending many people are interested, and the citizens of Belarus are no exception. So, they can apply for a housing loan at Belinvestbank, which has been on the lending market for more than 25 years. But before applying, you need to carefully study what offers the bank has for borrowers and all loan rates.
Belinvestbank offers a financing program that involves the purchase or construction of residential and commercial real estate. There is also a preferential offer for obtaining a loan with state support.
Rates and conditions
In 2019, the interest rate for all types of programs, except for preferential ones, is 15%. For subsidized - 14%. In both cases, the rate is floating, but in the first case it is tied to the overnight rate set by the National Bank of Belarus (1.25), in the second - to the refinancing rate (+ 3%).
The maximum amount depends on the borrower, and in the preferential program it is calculated from the normalized cost of housing, taking into account the solvency of the client. Also in a number of regions (Vitebsk, Minsk and Mogilev) there are special programs for apartments from partner developers, for which reduced interest rates are provided.
Real estate financing loan
Credit amount
depends on the borrower
loan terms
from 10 to
20 years
loan rate
from 14%
per annum
* - early repayment without penalties
Loans for the construction and purchase of residential real estate are provided for a period of 20 years, another - for 10 years. In the case of a purchase, this is a one-time issue, and in the case of construction, it is either a one-time or non-renewable credit line. For all offers, funds are provided by bank transfer to the seller's account (when buying on secondary market) or the builder.
A number of additional conditions also apply:
- contribution by the borrower of own funds in the amount of at least 10% of the value of the purchased property;
- the presence of a guarantor;
- pledge of the constructed object for the duration of the mortgage after receipt of documents for it;
- possibility early repayment without additional payments.
Lending with state support involves the targeted use of funds - for the construction of residential premises and single-family residential buildings.
Requirements for borrowers and required documents
Funds are provided to citizens of Belarus subject to the above conditions. To participate in concessional lending, it is necessary to document the need for living space. This applies primarily to those who live in emergency homes. In other words, you need to go to the administration at the address of your residence and stand in line for housing.
As part of obtaining a housing loan, you must provide a full package of documents, which includes:
- the passport;
- questionnaires; certificate of income for at least the last 3 months (or salary card"Belinvestbank");
- a copy of the work book;
- the consent of the borrower and guarantors to provide a credit report;
- documents for the object of pledge;
- other papers at the request of the bank.
Passport and application form are provided by both the borrower and the guarantors.
