Conditions for providing a mortgage for a house with a plot in the Moscow region in 2021 on the Nedvio website

Due to the deterioration in the comfort of living in urban neighborhoods, the constant rise in prices and taxes on real estate, and the desire to live in nature, many residents of large cities have the idea of ​​​​purchasing a suburban family home as soon as possible. But owning your own home requires considerable investments, which are quite difficult to accumulate during an economic crisis.

Considering the various available options, more and more families are making a serious decision - to buy a house with a mortgage in the Moscow region. This is certainly the fastest, but not the easiest, way to improve living conditions.

This is especially true for large families with three or more children: firstly, each family member will finally get their own space, and secondly, children will grow up healthy and happy in nature.

In this article we will talk about the nuances of mortgage lending for country houses with plots, as well as which banks offer the best mortgage offers for such real estate.

Is it possible to buy a cottage with a mortgage?

It's difficult, but it's possible. In addition to the obvious reason - the sale of collateral in case of non-payment - there are other pitfalls. A client, even with a consistently high income, may be denied a mortgage for a dacha in SNT. What confuses banks?

• Difficulties in valuing country real estate. The cost consists of many factors - distance from the city, infrastructure, availability of good access roads, building characteristics, etc.;
• Some locations can be particularly difficult to sell. For example, if the site is located in a conservation area.

It is much easier to get a mortgage on a plot of land for individual housing construction or on a house in a populated area. In order for the bank to agree to a dacha housing loan, you need to carefully select the property and coordinate the property with the financial institution.

Loan “State support for families with children” SberBank, Individuals. No. 1481

from 0.1%

per annum

up to 12 million

up to 30 years old

Get a loan

Difficulties with a mortgage on a dacha affect lending conditions:

• a small amount is allocated;
• The down payment amount is much higher than for apartments or country houses. You need to be prepared to contribute 25-50% of the cost of the dacha with your own funds;
• the interest rate is higher than mortgages for apartments (except for rural mortgages).

You can use maternity capital funds to purchase a dacha with a mortgage.

Which private house is suitable for a mortgage?

Banks are willing to lend for the purchase of real estate on the primary market, take it as collateral, since its liquidity is quite high, and there are practically no problems with the sale in case of refusal to repay the loan. The liquidity of private houses is slightly lower, and the risks of banks when issuing such a loan are higher. The standard interest rate for a mortgage on private real estate is higher than on housing in a new building, but there are a number of programs that allow you to significantly save on payments to the bank.

To secure the loan, you can offer the banking organization other housing, the cost of which is commensurate with the cost of the purchased one.

Sberbank, VTB 24, Gazprombank and other leading financial institutions issue mortgages for the purchase of a house, putting forward the following conditions:

• the value of private real estate is not less than the amount of borrowed funds;
• the house must be free of encumbrances;
• the seller must have ownership of the land under the housing;
• the buyer must provide a real estate appraisal;
• The land plot must be intended for individual construction.

It is much more realistic to obtain borrowed funds for a new brick house with connected communications within the city than for an old wooden house on the outskirts. When issuing a mortgage and calculating its size, banks take into account many factors: the estimated value of private property, location, distance from large settlements or the city center, and the development of infrastructure in the area of ​​construction. The maximum mortgage size for a private house is limited to 70-85% of its value.

Lenders have the following requirements for an individual residential building as a collateral:

• It is not allowed for the building to be in a state of disrepair, and it cannot be included in the plans for major repairs or demolition;
• the roof, doors and windows must be in good working order;
• Only those houses that stand on reinforced concrete, concrete, brick or stone foundations are accepted;
• physical wear – within 40-50%. These figures can be clarified in the technical passport of the building, as well as in the BTI;
• Communication is important. They do not have to be central, but heating, electricity and water supply, as well as sewerage, even if individual, are the necessary minimum.

The easiest way to arrange the purchase of a detached house. Acquiring shares with a mortgage is possible if the owner of the remaining part of the building is the client himself. On the other hand, banks have mastered the mechanism for implementing mortgage transactions for the purchase of townhouses.

It is important that the land is surveyed. It allows you to unambiguously establish the actual boundaries of the allotment. The bank needs them to be highlighted not only on the plan, but also physically, on the ground.

Applications for areas with the following purpose are accepted for consideration:

• “for individual housing construction or individual housing construction”;
• “for running personal farming” and the like;
• with some restrictions - agricultural land.

In such transactions, not only homeownership is pledged, but also a plot of land or the right to lease it.

Which banks provide a mortgage for the purchase of a summer house?

To reduce the time spent searching for organizations that provide a mortgage for the purchase of a summer house, you can refer to the table below.
We have collected the best offers on the Russian banking market. Mortgage for the purchase of a summer house in banks

Preferential mortgage Gazprombank, Persons. No. 354

from 5.99%

per annum

up to 3 million

up to 30 years old

Get a loan

The lowest rate is offered by Rosselkhozbank. But you need to take into account that this is a special preferential program for purchasing a house in rural areas - a rural mortgage for a dacha. The Ministry of Agriculture of the Russian Federation provides subsidies to the bank for favorable conditions.

In all other banks the conditions are approximately the same:

• rate from 8%;
• term up to 30 years;
• the maximum amount depends on the solvency of the bank and the estimated cost of housing (no more than 70-80%);
• down payment – ​​from 20% to 80% (depending on the liquidity of the collateral).

"Kuban Credit"

CB "Kuban Credit" provides mortgages for the purchase of real estate in specific villages:

• in the “Cherry Orchard” in Krasnodar;
• at the “Cottage” in Gulkevichi.

The conditions are:

• interest rate from 9.49%;
• own money - from 10%;
• loan amount - without restrictions.

The applicant must meet the following requirements:

• age – 18-65 years;
• citizenship and registration – Russian Federation;
• length of service – 6 months with a total work experience of at least 1 year.

Requirements for the borrower

The requirements for a country mortgage are no fundamentally different from the requirements for other types of mortgages. The client must:

• have Russian citizenship;
• be over 21 years of age and under 65 years of age (at the time of full repayment of the loan);
• official employment and high wages;
• At least 6 months of experience at your last job. The minimum total experience over the last five years is 1 year.

In the case of a rural mortgage, official employment is not necessary. You can get a mortgage if you have been running a private farm for at least 1 year.

Loan “Collateral Loan+” Norvik Bank (Vyatka Bank), Person. No. 902

from 8.8%

per annum

up to 8 million

up to 20 years

Get a loan

It is important that the client has a good credit history. Zero CI and numerous delays will lead to the bank refusing to lend.

"SKB-bank"

At SKB-Bank they provide loans for the purchase of a house as follows:

• the rate during the first three years of the contract increases either from 12% to 14% with the payment of a special commission, or without it - from 14% to 16%;
• minimum loan amount – 350,000 rubles;
• share of own funds – 20%;
• loan term – 12 years, 20 years or 30 years.

This bank provides loans for the purchase of houses, cottages and townhouses even if the land is under long-term lease and not owned.

Requirements for applicants:

• age – 23-65 years;
• citizenship – Russian Federation;
• registration - in the regions where the bank branch is present;
• experience – from 3 months.

Requirements for the house and land

The list of requirements for the land plot and house is much higher than for the borrower. The bank evaluates and selects the collateral object according to several parameters:

• distance from the city. It is desirable that the house with a plot be located no further than 120 km from large cities and no further than 50 km from small towns;
• foundation. There must be a solid foundation made of safe materials (concrete, brick or stone);
• general condition of the house. Without the need for major repairs;
• year of construction. The house must have been built after 2000;
• building area. No more than 300 square meters;
• transport accessibility. Location close to major highways. Good access roads must be made directly to the house;
• connected communications. Sewage, electricity, water supply and heating are required.

Loan “New building with state support” TransCapitalBank, Lt. No. 2210

from 5.34%

per annum

up to 12 million

up to 25 years

Get a loan

If we are talking about building a summer house, it is important that the land plot is already ready for the initial work. That is, there must be a cadastral number, registration in Rosreestr, and the boundaries must be clearly marked so that neighbors do not have questions. It is also advisable to prepare a development plan.

"Rosbank"

Rosbank will provide a mortgage for a house under the following contract parameters:

• rate from 9.75%;
• term – 25 years;
• client funds – 40%.

Lending is carried out through DeltaCredit Bank.

Requirements for a candidate:

• age – 20-64 years;
• citizenship – does not matter;
• availability of employment. Lending to business owners is allowed.

The purchased house, part of it or a townhouse can also be located on a rented plot.

Required documents

Main package of documents:

• application form for a mortgage;
• personal documents of the borrower - passport, SNILS, salary certificate (2-NDFL or according to the bank form), marriage certificate;
• documents of co-borrowers, if any;
• documents for the land plot and the house - a certificate of state registration of the property, a detailed cadastral plan of the plot, as well as an extract from the Unified State Register of Real Estate, a boundary plan describing the boundary of the plot;
• documents from the BTI - technical passport of the house,
• purchase and sale agreement (or other title documents);
• report from independent appraisers (valid for 6 months);
• a document confirming that the land plot and house are not pledged

Mortgage with state support for families with children VTB Bank, Individuals. No. 1000

from 4.7%

per annum

up to 12 million

up to 30 years old

Get a loan

The exact list depends on the credit institution. You will have to prepare a lot of documents for a country mortgage, so it is better to clarify the list in advance.

How does the mortgage process work?

First of all, the client needs to decide on a bank and apply for a mortgage loan. The application can be submitted either by visiting a bank office in person or online. To do this, the client will need a passport, documents confirming income and employment. If the application is submitted through the website, then after receiving preliminary approval, the specified documents must be submitted to the lending division of the bank.

The further procedure for the borrower is as follows:

1. Selection of real estate and its evaluation. This procedure takes from 60 to 90 days after approval of the initial application. Typically, the creditor bank provides a list and coordinates of the appraisal companies with which it works. The services of the appraiser are paid separately by the client.
2. Transfer of property as collateral to the bank and registration of an insurance policy. Please note that the collateral, that is, an apartment or house, must be insured. Other types of insurance (personal, title) are voluntary and are issued at the request of the client. Consent to life and health insurance allows you to reduce your mortgage rate by 0.5-1.5 percentage points.
3. Signing loan documentation, completing a purchase and sale transaction and transferring money to the home owner.
4. State registration of property rights.

Since the acquired property is pledged, an encumbrance is placed on it. Once the mortgage is paid in full, the encumbrance is removed and the client becomes the full owner of his own home.

Do you need insurance for a holiday home mortgage?

Insurance of the mortgaged property is a mandatory condition established by the Federal Law “On Mortgage (Pledge of Real Estate)” No. 102. If the client ignores this obligation, the loan agreement is not signed. This means that the transaction is canceled and the money is not transferred to the seller.

Collateral insurance is explained simply. The land and the house are the guarantor of mortgage payments. If the property for some reason significantly loses value, the bank will not be able to compensate the loan in case of non-payment. Therefore, it is impossible to cancel the insurance of the object.

At the same time, it is not necessary to take out insurance at the agency offered by the bank. You can choose an insurance company yourself. If a bank requires you to sign an agreement with a partner agency, then this is a violation of the law (Federal Law “On Protection of Competition”).

If you have financial capabilities, it is better not to include the insurance amount in the body of the loan, but to pay it separately. So the overpayment will be less.

Another thing is that the bank can impose other types of insurance on the client:

Loan "New Building" Rosbank, Lic. No. 2272

from 7.1%

per annum

from 300 thousand

up to 25 years

Get a loan

• life and health insurance;
• ownership.

These types of insurance are not mandatory, but voluntary. The bank cannot force the client to pay for the relevant policies. But in case of refusal, it may offer less favorable conditions.

Special cases

Mortgage for a private house without a down payment

It is currently impossible to obtain a mortgage on an individual railway without your own funds: this type of real estate is considered low-liquidity.

To solve the problem of lack of own funds when purchasing real estate, you can use one of the methods proposed in this article.

Mortgage on an old house

It is possible to take out a mortgage on an old house. Much is determined by the specifics of the region, for example, for St. Petersburg, houses built more than 100 years ago are the norm, as well as by the physical condition of the structure. Difficulties are possible with those buildings that are classified as architectural monuments.

When resolving complex issues relating to the age of the house and its condition, an important point affecting the admissibility of a mortgage is the willingness of insurers to enter into an insurance contract.

There may also be problems with valuation, especially if there are no analogues of the property being purchased in the region.

Mortgage for a wooden house

Mortgages on wooden houses are a reality. The main complaints regarding the structure of the house are made to the foundation. If it meets the requirements described above, then there should be no problems.

Buildings made of timber, adobe, and panel boards are also accepted as collateral. The main difficulty lies in the degree of wear of the structure.

Banks lend to wooden houses if they are no more than 10-15 years old.

Most likely, a loan will be refused if there is a gas water heater in a wooden house, since it is believed that there is a very high risk of fire here.

Mortgage for building a house

Features of a mortgage for building a house are as follows:

• high level of down payment – ​​from 25%;
• construction is carried out on the basis of an individual project;
• Documentary evidence of all expenses is required;
• a contract is concluded and an estimate is drawn up;
• money will be provided in tranches, parts, at the request of the borrower;
• Before registering ownership of a house under construction, other security will be required - a guarantee from individuals or a pledge of other real estate.

If the house does not meet the bank's requirements

You have chosen a cottage and applied for a mortgage, but the bank refuses to accept this property as collateral. There is another way to get a loan in this situation - to offer the bank another collateral that is your property.

For example, more liquid real estate – your city apartment – ​​can become collateral for a country house mortgage.
However, keep in mind that in case of financial difficulties with repaying the mortgage loan, you will have to give it back to the bank. To select the home of your dreams that is suitable for a mortgage bank as collateral, contact the realtors of our association.