Build a house on credit. Houses from a bar on credit Terem land without a contract on credit installment plan

Not every construction company can offer construction and buying a house on credit. Many contractors refuse construction on credit because it requires additional red tape with paperwork, the builder, again, does not receive money immediately.

But this is not a story about Daromdom's company. We do not just build qualitatively and without prepayment of houses and saunas from profiled timber, our goal is to make the construction of suburban housing available to the general mass of the population of Russia. In this we see our mission, therefore our company builds on credit.

Let's figure out how affordable it is now to get a loan for the construction of a house from our partner - the Rosselkhozbank, find out what conditions, interest and programs it can provide to you, our customers. Marina Roslavtseva, Deputy Director of the Novgorod branch of Rosselkhozbank JSC, is talking to us.

Loan programs help many of our clients to acquire their own housing, improve living conditions or build their own house with borrowed funds.

Of course, building a house is preferable for several reasons, and one of the main ones is the fact that you don't have to put up with a house that was built according to someone else's plan and for someone else's needs. You can build your dream home for yourself. The pleasure is not cheap, but our specialists will help you find a loan for the required amount and on acceptable terms. You can see for yourself how interesting a loan for building a house at Rosselkhozbank looks like.

Turnkey log houses on credit: what are the features of construction lending?

Few banks provide loans for turnkey log houses. In Rosselkhozbank, a loan for the construction of a private house is a targeted loan, the funds received can be used only for one single purpose. The client can choose the option of repaying the loan in separate installments, tranches, as needed and carrying out certain construction works.

What programs are currently operating at Rosselkhozbank?

Mortgage loan for building your own home. The client receives funds for the construction of his own cottage or house with a land plot. This loan is issued for a maximum of 30 years (link to the site). Russians over the age of 21 can count on getting such a loan, the upper limit is 65 years old. Work experience must be at least six months in the last place of work, at least one year over the period in the past five years. For clients that are engaged in running a personal subsidiary farm, a loan is issued without this information.

As for income, a loan for building a house gives the client the opportunity to choose an alternative method - either 2NDFL, or a correctly issued certificate in the form of a bank. The material security for the loan will be the object under construction; before the transfer of real estate, a guarantee of an individual or legal entity is accepted as collateral.

Funds can be received in tranches, then the loan is issued in the form of an open credit line. Optionally, you can take the entire amount at a time. Debt repayment is carried out in equal installments, although a differentiated scheme is also available. A young family, where one or both spouses are under 35 years old, can count on benefits - a deferral of the payment of the main debt for up to 3 years, a deferral for the birth of children during the duration of the mortgage - until they reach 3 years. But a deferral can be issued only once for the entire credit period. Early repayment within the framework of such a product as a loan for the construction of a Rosselkhozbank house is made without restrictions and commissions.

A spouse or spouse may, according to the conditions, act as a co-borrower on a loan, their solvency is taken into account by the bank. In addition, you can attract up to three individuals, including those who are not related to the main client. They will be required to officially confirm their income.

To summarize, it is quite possible to take a loan for the construction of your cottage or house... It is best if you manage to use some kind of joint program between the bank and the developer - the bank's partner.

There are other programs, for example, "registration by two documents" - this is a special program, for whom is it intended?

So build a house from a bar is inexpensive and on credit quite possible, but are there any other programs out there? On such conditions, you can apply for a mortgage for the purchase of an apartment or a residential building with a plot (including a townhouse) in the secondary market, as well as a real estate object in the primary market, provided that its construction is carried out with the participation of loans from the Russian Agricultural Bank. You must have at least 40% of your own funds in case of purchasing an apartment and at least 50% if you are purchasing a house or townhouse. The maximum amount is up to 8 million rubles for Moscow, St. Petersburg, Leningrad and Moscow regions, and up to 4 million rubles for other regions.

What is an inappropriate mortgage loan secured by real estate?

This is a mortgage loan secured by a residential apartment or private house with a land plot. Loan funds can be used by the borrower for any purpose. The loan is issued in the amount of no more than 50% of the market value of the property being pledged. The market value of a real estate object (subject of a mortgage) is determined in accordance with the report of an independent appraiser. The loan is provided for an amount not exceeding 10 million rubles and for a period of up to 10 years. As security, a pledge of real estate is required, which can be an apartment or a residential building together with a land plot. The object must be owned by the borrower or co-borrowers. The application is considered within a period not exceeding five working days.

Preferential loan for a young family for building a house

The "Young Family" program, a family receives a loan within the framework of a standard product, but with the application of a number of benefits. For example, the initial payment is reduced to 10%, except for cases when the client plans to pay with credit funds for participation in shared construction. Then the minimum bar remains the same 20%. This category of clients can take advantage of the deferral for the payment of the principal debt for the period of construction (no more than 3 years) and at the birth of a child (until they reach the age of 3). This loan is allowed to use maternity capital as a down payment.

Also Daromdom, together with Rosselkhozbank, offers mortgage program using maternity capital when one of the Borrowers / Pledgers must be the manager of maternity (family) capital funds.

There is an interesting type of lending "Engineering Communications". This loan is issued on special terms and allows a private house to install water, gas, sewerage, change the electrical wiring, heating system and even install a telephone.

Table 1.1. Interest rates on mortgage loans in Russian rubles

These rates are also applied in the case of registration in the framework of:

• Special conditions for the provision of the loan product "Mortgage loan for young families";
• Special conditions for the provision of the loan product "Mortgage Loan Taking into Account the Maternity (Family) Capital";
• Conditions for the loan product "Housing mortgage lending for employees of JSC" Rosselkhozbank ";
• Conditions for the loan product "Mortgage lending under two documents".

You can also get more detailed advice and apply for a loan at all additional offices of JSC "Rosselkhozbank".

What was done

Project: the Innsbruck project was adapted to the site and the wishes of the customer's family, a solution was proposed to move the terrace.
foundation: based on geology and the architect's calculations, the house was erected on a pile-grillage foundation.
floors: basement - solid concrete; interfloor - reinforced concrete floor slabs.
box: walls made of aerated concrete blocks, laying on masonry glue. Windows are made to order, with one-sided lamination, on-site installation.
roof: metal tiles.
exterior finish: walls are insulated with basalt facade insulation and plastered, finishing elements are made of wood, made on site, based on TZ-visualization, painted. The plinth is lined with decorative stone.
interior finishing: finishing was carried out according to the design project, where the combination of decorative plaster with stone and wood was taken as a basis. False beams were installed on the ceilings.
additionally: a fireplace is installed and finished.



What was done

The very case when our Customer and we speak the same language and are inspired by the ECO high-tech style! Designer Ilya came to us with a ready-made Design of his future home! Our team liked the project - after all, such unusual and stylish solutions are always a professional challenge!
We prepared estimates for Ilya and developed unique design solutions - all this allowed us to implement this project! The frame house is made in our proven Canadian technology with 200 mm insulation along the entire contour! Outside, the house is sheathed with imitation timber. All windows are custom-made and laminated in the colors of the project. Additional accents are highlighted by the professional timber imitation dyeing and color matching.



What was done

What does it cost us to build a house? Indeed, having a team of professionals and knowledge - building a house from scratch is a matter of time! But sometimes the task is more difficult! We have introductory - an already existing foundation, or buildings on the site, extensions to existing buildings and much more! For the Matsuev family, it was just such a difficult task. They had a foundation from an old burnt-out house, and a landscaped area around it! The new house had to be built in a short time on the existing foundation. Dmitry and his family had a desire to build a new high-tech house. After careful measurements, a project was made that took into account the old layout, but had a new modern shape with interesting innovations! The house now has an entrance group, where you can sit at a table on cozy evenings and a complex but possible exploited roof in our lane. For the implementation of such a roof, we called on our knowledge and modern building materials for LVL beams, welded roofing and much more. Now in the summer on such a roof you can arrange an unusual dinner or watch the stars at night! In the decoration, our architect also emphasized the minimalist and graphic high-tech style. Smooth plastered walls with painted planken details, wood beams at the entrance added personality. Inside, the house is finished with imitation timber, which is painted in different colors depending on the purpose of the room! Large windows in the kitchen of the living room overlooking the plot - created the desired effect of illumination and airiness of the space! The house of the Matsuev family - decorated our photo gallery in the section of suburban architecture in the high-tech style, in the style chosen by courageous Customers with excellent taste.



What was done

Olga and her family have long dreamed of a country house! A reliable, solid home for life, which will perfectly fit into their difficult narrow area! With the advent of children, it was decided to make the dream come true, children grow up quickly and in their own home in nature there are many opportunities and fresh air. We, in turn, were happy to work on an individual project of a classic-style red brick house with a bay window! After the first acquaintance with our company in a cozy office, we invited Olga to take a look at our existing construction site: evaluate the order and construction processes, storage of materials on the site, get acquainted with the construction team, and make sure of the quality of the work. After visiting the facility, Olga decided to work with us! And we were glad to do our favorite job again to make another country dream come true!



What was done

Project: changes were made to the San Rafael project and redevelopment was made according to the wishes of the Customer.
floors: basement -zhb floor slabs; interfloor - reinforced concrete floor slabs
box: walls made of expanded clay concrete blocks, laying on mortar ??? Windows inserted.
roof: metal tiles
terrace: rough enclosing elements are made, flooring is made.



What was done

Dmitry contacted our company with an interesting draft design to calculate the cost. Our experience allows us to carry out such calculations for draft designs with minimal errors, no more than 2%. Having visited our construction sites and received the construction cost, Dmitry chose us from many of our colleagues in the workshop to complete the project. Our team has embarked on a challenging and expressive countryside project with spacious rooms and a garage, large windows and sophisticated architecture. After the delivery of the project, Dmitry chose us as a contractor company, and we, in turn, wanted to do further work at the same high level! Since the object is large, Dmitry proposed a step-by-step cooperation, namely, upon successful completion of the foundation work, we proceeded to the second part of the project - walls + ceilings + roof. Also, for Dmitry, the exact timing of construction was important, in order to speed up the construction processes, the team was reinforced with 2 experienced bricklayers.
The box on the pile-grillage foundation was delivered on time! The result pleased us and the customer. All stages of the work were coordinated and worked out for Dmitry and his individual project, from which all participants in the process benefited!



What was done

Project: The project of our company, Inkerman, was changed taking into account the wishes of the Customer's family, the house was planted on the site, taking into account the existing situation on the site and the relief
foundation: based on geology and the architect's calculations, the house was erected on a reinforced pile-grillage foundation.
floors: wooden on wooden beams, in places of large spans, installation of LVL beams. The basement floor is insulated with 200mm basalt insulation; interfloor overlap with noise insulation 150mm.
box: box: walls made of expanded clay concrete blocks, laying on mortar. Windows inserted.
roof: installation of metal tiles.
exterior finish: the facade is insulated with 100 mm basalt facade slabs, the facades are covered with facing bricks; the color scheme was proposed by the architect and agreed with the customer.



What was done

The Krutov family decided to build a spacious house for the whole family!
Olga and other family members went from idea to implementation in several stages! The choice of technology, long work on the project, construction of the foundation, construction of a house with exterior decoration and then work on interior decoration! The frame technology has been chosen as energy-saving, pre-fabricated and high-tech! Why did the Krutovs choose our company? They liked the quality of work on our construction site and the workers who gave a detailed tour! We also worked on the estimate for a long time, combining different options for finishes, comparing their cost. This made it possible to choose the best option from a wide variety of finishing materials and configurations.
The project was created by a friend of the architect, but we had to work out the constructive part of it. After that, the most reliable and effective foundation was erected - the USP. Next, work began on the box. A frame house with 200 mm insulation along the entire contour and a unique roof insulation technology of 300 mm. For the exterior, siding was chosen in a spectacular combination of colors - coffee and cream. The accents are highlighted by the powerful overhangs, the interfloor belt and large windows!



What was done

When you decide to become the happy owner of your own home and move to a new home for permanent residence, first of all you think about what the house will be like; what to build it from; how much will it cost and, most importantly, WHO will do all this?
Alexander, came to our company with the desire to move to his own country house. He liked the Avignon project and there was already a strip foundation on the site. After the initial visit to the site, measurements and examination of the foundation, we gave our conclusions and recommendations. Strengthen the foundation, change and adapt the project to the dimensions of the existing foundation! After agreeing on the cost, it was decided to build in winter. Alexander received as a gift reinforced concrete floors, one of the leading construction teams and a house according to the project he liked, which stood on a site with an external finish by spring! Alexander watched every stage of construction, regularly visiting the construction site and was satisfied with the result, and we were with our work. This is an individually designed Avignon project, implemented in stone technology with external insulation and siding!



What was done

Each house is a separate story of creation and implementation! Once we built a house for good people and they recommended us to another good person! Andrey Rumyantsev came to our company with the desire to build a one-story spacious country house with a fireplace for warm family evenings instead of an old country house ... The customer voiced his wishes for finishing - and we, in turn, brought everything to life. Thanks to the detailed visualization of the project, each element of the exterior finish is a member of a friendly ensemble! Bavarian masonry, as the final stage of exterior decoration, looks noble and solid. Without a doubt, such a tandem - aerated concrete and bricks can be safely called the best solution in the field of stone housing construction - warm, affordable, beautiful, reliable. Modern technologies have stepped forward so much that such unique configurations become available in a short time, because we built this project during the winter months. The main thing is to have the necessary knowledge and constantly replenish their stock!



What was done

Project: the project of a European company was taken as a basis and was adapted to the site and the wishes of the Customer's family, a terrace and patio were proposed, taking into account the cardinal points of the Customer's site.
foundation: on the basis of geology and the architect's calculations, the house was erected on a pile foundation.
floors: basement - solid concrete; interfloor - wooden on beams with 150 mm soundproofing device.
box: walls made of aerated concrete blocks, laying on masonry glue. Windows are custom made with one-sided lamination, on-site assembly.
roof: metal tiles.
exterior finish: walls are insulated with basalt facade insulation and plastered. Based on the visualization, the facade panels under the Tolento stone have been added. The enclosing elements of the terrace, balcony are made of wood, made on site, based on the TK-visualization, painted. Roof overhangs are lined with soffits in the color of the roof.



Vladimir Murashkin, The owner of the house "brought to life according to his idea and sketch!" House parameters:

What was done

When Customers come to us with bright, modern ideas for the future home, we light up twice! After all, working on a new stylish project is always interesting and a kind of challenge, how to implement all bold ideas from a constructive point of view, what materials to use in this case? Vladimir bought a plot with picturesque views of the Oka River! This view could not be ignored, so a dizzying terrace (51.1 m2) and a large balcony, oriented towards beauty, became an indispensable attribute of the future house! Vladimir wanted to have a rest in nature in a wooden house, but it was necessary to build a house in a short time and frame construction technology became an ideal solution for such tasks! If you are to be different, then in everything! The house was made even more spectacular by a vertical finish imitating a timber made of durable larch, painted in natural shades with an emphasized wood texture. Complementing the modern look of the house - laminated windows! It turned out to be a great country house, with a twist and at the same time incredibly functional.

It all started with an individual project found by the Customer's family on a European website. It was with him that she first came to our office. We made preliminary calculations for the project, took a tour of the existing construction site, shook hands and the work began to boil! The architect improved and adapted the project for the site and the customer's family; the foreman "planted" the house on the site. On the fact of geological surveys, it was decided to put the house on bored piles. The frame has grown in a few weeks, then the roof, insulation, exterior decoration! During the winter period, a house has grown on the site. The customer invited a third-party technical supervision, who monitored the process independently of our multi-stage control. The color of the color scheme for painting imitation of a bar was selected by our manager and here we have a bright and cozy country house of the Pushkov family's dreams!

Lending terms

Required documents

1. Passport;
2. Certificate of land / Extract from the Unified State Register;
3. SNILS / Driver's license;
4. If the amount is over 1,000,000 rubles. (one additional document at the client's choice):

• 2NDFL
• Bank form help
• Copy of work book
• Extract from the Pension Fund (for non-working pensioners)

CB Renaissance Credit (LLC), one of the leading banks in the consumer lending sector in Russia, offers individuals consumer loans, bank cards, deposits and other services.

Founded in 2003, Renaissance Credit is one of the TOP-50 largest Russian banks and works with 12 million clients in Russia. The geography of Renaissance Credit's activities covers 62 regions of Russia.

Bank of Russia licenses for banking operations No. 3354.
Renaissance Credit website - rencredit.ru

Lending terms

Borrower requirements

• Russian citizenship;
• Age from 20 years;
• Permanent place of work for at least 3 months;
• Permanent registration in any region of the Russian Federation.

Required documents

• RF passport;
• One additional document of the client's choice: SNILS, Driver's license, 2NDFL, international passport, copy of work book, extract from the Pension Fund (for non-working pensioners) with a loan amount of more than 250,000 rubles

Post Bank is a universal retail bank,
created in 2016 by VTB Group and FSUE Russian Post on the basis of Leto Bank.

Lending terms

Borrower requirements

• Age from 18 years
• Availability of a mobile phone; indication of a work phone number, if you work, or another contact phone number

Required documents

• Passport of a citizen of Russia with permanent registration in any constituent entity of Russia
• SNILS number
• Employer's TIN

How to get a loan for a country house

On the website of our company, you can buy a house on credit. We perfectly understand that not every person can collect the required amount of money at once. Therefore, such a convenient condition was created, helping to purchase housing in the most profitable way with the help of Credit Europe Bank JSC. The financial institution is reliable and offers quality work, which is confirmed by international agencies. There is a huge network in Russia. To get the most detailed and extended information, you can ask any questions to our consultants.

Real estate increases in value every year, so it is advisable to acquire a property now. If the required amount for the construction of housing is not available, you can get a mortgage loan for the construction of a wooden house. The agreement with RosselkhozBank on cooperation involves the provision of a loan for the construction of a private house for our clients. Borrowers select a loan program. In particular, one allows you to use the family (maternity) capital, the other is suitable for a young family.
A loan for the construction of a house is issued at the Russian Agricultural Bank in a short time. Approximate conditions for obtaining a loan are provided on the website. A package of documents is required from the applicant. All details of the loan registration must be clarified with the bank representatives. The mortgage provided by RosselkhozBank for the construction of a wooden house makes the construction of your own cottage a reality.

Up to 20,000,000 rubles.

From 17% per annum

Up to 30 years old

Lending terms

We offer various options for loan programs.

Borrower's obligatory documents

• Application form
• Passport of a citizen of the Russian Federation or a document replacing it
• Registration certificate (permanent or temporary)
• Military ID
• Employment history
• Employment certificates

Obligatory documents for the property

• Certificate (s) of state registration of ownership / certificate of ownership before 1998 and documents on the basis of which the ownership of the real estate object arose.
• Extract from the Unified State Register of Rights to Real Estate and Transactions with It, issued no more than 30 calendar days before the document was submitted to the Bank.
• The original of the report on the appraisal of the real estate object, made by an independent appraiser (agreed with the Bank).
• Certificates of the presence of registered persons (extract from the house book), extract from the financial and personal account, Certificate of the absence of debt (for utility bills)
• BTI information with a floor plan and explication
• In the case of a mortgage of a residential building and a land plot or only a land plot, the following are additionally provided: cadastral passport / cadastral extract of the land plot
• In the case of acquiring a land plot for the purpose of the subsequent construction of a residential building on it (including the completion of construction), you must also provide:
  • An estimate of individual housing construction, drawn up and certified by the developer (borrower).
  • A document confirming the permission of the local government and other approving bodies for the construction of residential premises on the land allocated / purchased for construction.
  • Contract for the construction of a residential building or design estimate