ARS-PROM acts as a consulting agent that helps you get a loan with the most favorable conditions. We will help you complete your loan application and submit it to the bank. PJSC "Sberbank" offers 2 options for lending: secured and without collateral.
Submit an applicationthrough the site. The ARS-PROM manager will contact you to clarify the details and proceed to the calculation of the cost of the building.
We will help you draw up documents and get loans for construction on favorable terms.
Immediately after the bank approves the application, we will proceed to the construction of the building. A few months - and you pay off the loan with funds received from the completed building.
from 14,5
%
before 2
years
loan terms
4-5
days
term for consideration of the application
2
of the year
duration of IP
from 14,5
%
monthly loan rate
before 10
years
loan terms
8-11
days
term for consideration of the application
3
of the year
duration of IP
Our mission is to help you build an efficient business building. And if lending is convenient for you, we will be happy to assist in obtaining it. legal entity, for the construction of residential or commercial prefabricated real estate. What building do you need? Multi-storey building, factory, car wash or shop? Any commercial real estate can be built on a turnkey basis using a loan issued to a legal entity.
If you already have land for multi-family housing development, the fastest way to implement the project is to build high-rise buildings"turnkey" on credit. Real estate is always in price, which means that if you choose the right place for building houses, paying off a loan for construction will not be difficult.
The construction of industrial buildings can also be carried out with a loan. Structures from the ARS-PROM factory are designed for quick and easy turnkey assembly of a building. If you have land to build production building or factory, contact ARS-PROM to clarify the conditions for obtaining a loan.
A car wash is a business that, with the right choice of location, can pay off in less than a year. With structures from ARS-PROM, this is more than realistic, because the cost of structures for a prefabricated car wash will be minimal. Build a turnkey car wash on credit and pay it off as quickly as possible with the income generated by your new business.
Prefabricated shop
on a turnkey loan
A store or pavilion on credit is a business that will pay off in as soon as possible. ARS-PROM designs come straight from the factory with no dealer markups. Therefore, the cost of the store is minimal, and the return on investment is high. A store built on credit is a business that will very quickly allow you to pay off your debt to the bank.
One of the most common practices today is a loan secured by real estate, reviews of which are the most controversial. Someone admires a successful investment and a large profit from business development. And someone has the opposite opinion, because he lost his home due to the fact that he mishandled the amount received.
Let's look at what risks accompany a loan secured by real estate, and what tips on reviews should be taken into account, and which ones are written by bankers to attract the attention of gullible customers? And how to understand which bank or financial institution does it make sense to apply, and will a private investor deceive when concluding a deal?
Reviews of loans secured by real estate are often published on websites by the banks themselves. If you look closely, most of them are positive. And the percentage is low, and the conditions were pleasant, and the employees are all well done.
But on numerous forums, those who took a loan secured by real estate leave negative reviews. And they deceived us with interest, and concealed the commissions, and they are running out of time. So who do you believe? – Think potential borrowers.
In fact, you should trust professionals who are not vitally interested in getting your money. Credit broker "Alliance Finance" will help you get a loan secured by an apartment, reviews of which are left directly by our customers. They have already used our services when applying for loans, and they were informed in advance about all the risks and "pitfalls" of the chosen loan option.
Most of those who have thought through everything to the smallest detail before taking a non-purpose loan leave positive reviews. When you borrow money for an apartment or a house, you really put yourself at risk. But the help of Alliance Finance in the preparation of documents for such transactions reduces unaccounted risks to a minimum. Force majeure always remains, but among those of our clients who took a loan secured by an apartment, most of the reviews about the work of consultants are only positive. They show that literally everything was taken into account when preparing the contracts. possible options. And also scenarios of actions were proposed in case “something went wrong”.
If you urgently need to receive money secured by real estate, current reviews in Moscow about intermediary companies will testify to the flawless work of the Alliance Finance credit broker. Leave feedback
I decided to open my own business, at first I thought about taking a loan secured by real estate from a bank, the reviews from friends were good, but I was refused because I had a low income. I learned from a friend about the company "Alliance Finance", that they give money under ...
Mortgage for the construction of a residential building is a complex type of loan. If you decide to build a private house on credit, you will have to work hard, adjusting to the conditions of the bank and collecting the necessary documentation. The result of the efforts will be a house built according to own project. But the problem is that there is no worthwhile collateral value other than the land.
In fact, everything is different. The bank must provide a guarantee of repayment of funds, with a mortgage loan it is an encumbrance imposed on the acquired property, it remains pledged until the full payment of the debt.
What can be used as collateral for a home mortgage? In fact, there is no house itself yet, it is only in the project, it is impossible to even name the future cost. So the potential borrower has to look for collateral options, because without it, not a single bank will not only give approval, it will even consider the application.
Which banks give a loan for the construction of a house in the amount of more than 75% of the value of the land? There is no such. And the borrower usually needs at least 2-4 land values. That is, this loan will be unsecured (since it is not secured by collateral). It turns out that this consumer credit for a large amount, which is very difficult to obtain. That's why banks refuse.
With secondary housing, everything is simple. The cost of the object already has a value, is liquid (if suddenly the borrower refuses to pay tomorrow) and can be easily realized. FROM country house not at all.
When it comes to additional collateral of any real estate, then it refers only to the borrower's own property, which is documented. In this case, a document will also be required that indicates how the citizen became the owner of this object. It can be a donation agreement, a sale and purchase agreement, documents for receiving an inheritance.
It is impossible to leave someone else's property as a pledge. If this is possible, then only in third-party non-banking organizations. How to get a loan to build a house in this case?
The simplest solution is to pledge real estate that is already owned by the borrower. If you have some kind of real estate, for example, an apartment, then there will even be several options to build a house on credit.
Pledge - land plot on which the house will be built. In any case, the land should already be owned by the borrower, it is impossible to buy land and build a house on it under one loan agreement. So, a mortgage for the construction of a house already obviously assumes that the potential borrower has land registered on it. This is the area that can be left as a pledge.
So, you have land on which you plan to build a house, which means you can use it to get a mortgage. Initially, the bank will require an assessment of this site. Based on the price in the valuation report, the maximum possible loan amount will be assigned, usually 70–80% of market value earth.
The assessment is carried out by the borrower, it can be an independent search for an expert, or the bank will advise you to contact a certain company. The specialist goes to the site, examines the object, takes measurements, and then draws up an act, in which the market price of the object will be written. The cost of assessing an object may turn out to be 10-15% less than what you expected.
One of the reasons for this is that the assessment takes into account the approximate further costs of upgrading the object. The appraisal certificate will be valid for 6 months.
Since the bank issues the amount based on the price indicated by the expert, here another difficulty awaits the borrower - the loan amount may turn out to be much less than what is needed to build a house. A citizen can literally only have enough for a foundation and that's it. Where can I get a loan to build a house in the future?
If you initially understand that the money allocated by the bank is not enough for you, you need to discuss the situation with the bank in advance and come to a decision together. And the solution is most often one - the gradual replacement of collateral.
For example, you took money secured by land, they were enough to build a foundation and some other work. It turned out not just a plot of land, but a plot with a building, its value has increased. Now, in agreement with the bank, you again invite an appraiser who determines new value collateral, which is higher. The bank reissues the pledge, gives the difference in price to the borrower. And so you can do several times, in the process of construction, the object will become more and more expensive.
A loan for the construction of a private house secured by its own land is offered by many banks that work with mortgage loans. At the same time, in any case, a citizen needs to have a certain part of his own funds for building a house, usually 15% of the cost of building an object according to the estimate. If the value of the collateral is less than the estimated costs, then the bank takes 15% from the borrower appraised value pledge.
According to the rule of banks, a citizen should spend no more than 50% of the income received on making a monthly payment.
The bank, studying the application of the borrower, to determine the maximum amount of issuance, considers not only the appraisal act, but also the borrower's income.
For example, the pledge was valued at 2 million rubles, an initial payment of 15% is 300,000 rubles. The loan will take 1.7 million rubles. If the borrower receives 50,000 rubles, then he must give no more than 25,000 rubles a month. If you make calculations on a Sberbank loan calculator or a loan calculator on our website, then at an interest rate of 15.75% per annum and a loan for 14 years monthly payment will be approximately 25,000 rubles. Under such conditions, you can get a loan to build a house with a salary of 50,000 rubles.
Banks are allowed to attract co-borrowers, their income is also taken into account when assigning the maximum possible amount of issuance. Most often, spouses become co-borrowers.
Construction loan programs wooden houses from banks:
As a result of the transaction, together with loan agreement the borrower signs a document imposing an encumbrance on the land plot. According to this document, the borrower cannot make any legal transactions with the land. The encumbrance is removed only after the repayment of the debt to the bank in full.
You can get a loan to build a house only by collecting required package documents. It is impossible to talk about a single standard of required documentation, each lender will personally talk about his requirements for the borrower: but in general, the list will be similar:
The most main part a package of documents is an estimate for construction or an agreement with a contractor.
You will receive information about the exact package of documents from the creditor bank. After collecting all necessary documentation and a positive decision of the bank, you can start building a house.
Most often, a construction loan is provided not in full, but in tranches, which is more beneficial for the borrower.
Banks allow you to build houses without attracting third parties. In this case, the borrower independently draws up an estimate, including the cost of materials, bringing communications to the house and other mandatory cost components. For such an estimate, please contact construction organization, which is more aware of construction costs and will be able to make a more objective estimate.
If you want to get a loan for the construction of wooden houses, prepare yourself for the laborious process. A loan is very difficult to process, banks very carefully check the borrower, the collateral object and the project itself.
The rate on a loan to build a house will be slightly higher than with a standard mortgage, this is due to the increased risks of the bank.
Dreams of owning a house can become a reality even for those who do not have personal funds for construction. Today, Moscow banks offer programs for the construction of a residential building. For many, the conditions for providing such a loan will be much more favorable for a number of reasons:
The list of banks providing mortgage loans can be found on our website. Calculate the interest rate and monthly payment amount credit calculator. The application is submitted on the bank's website or in person at bank branches in Moscow.
Mortgages for the construction of a private house in Moscow are issued by most banks for up to 30 years at a rate of 10%. One of the conditions is the registration of a pledge on land or on existing real estate. If you are interested in a mortgage for the construction of a house without down payment, then you will need to draw up a guarantee agreement and provide the bank with confirmation of your solvency.
The housing issue is one of the most pressing issues for Muscovites who are looking for money to purchase real estate.
A mortgage for housing construction in Moscow makes it possible to obtain real estate in a fairly short period of time.
For getting mortgage loan for the construction of a house, the following requirements are put forward by the bank to the client:
Banks of the city of Moscow, provide the following types of programs mortgage loans in 2020:
The client is given the opportunity to independently calculate the monthly payment on a virtual calculator, compare conditions in several banks and choose the most profitable option for himself.
Applying online for a loan in Moscow is simple, just a few steps are enough:
You need to submit a number of documents to the bank:
The bank, when issuing a mortgage for the construction of a private house, takes into account what material the client is building the house from (concrete, brick or wood), as well as what characteristics of the foundation.
There are more chances to get a mortgage in Moscow for the construction of a house for those clients who build from more durable materials.
Among the leaders:
Taking a mortgage for housing construction, the client promptly resolves housing issues. Preferential mortgage agreements that are beneficial to the client economically - a reliable investment.
