Redevelopment of a mortgaged apartment Sberbank: redesign of housing with a mortgage, the procedure for preparing documents, what information needs to be indicated in the application, unacceptable types of alterations, terms and price

Do I need to coordinate the redevelopment of a mortgaged apartment with Sberbank?

It is in the interests of the bank that the collateral property does not lose value. Therefore, the loan agreement indicates that the borrower, before carrying out redevelopment work, must coordinate construction work with the credit institution and provide the necessary papers. It is very rare that a bank initially, at the stage of drawing up an agreement, refuses to carry out any repair work that changes the layout of the apartment.

What the law says

The law states that the redevelopment of an apartment with a Sberbank mortgage must be fully agreed with the competent authorities, and must also be noted in the technical passport of the residential premises. This is stated in Art. 25 of the Housing Code of the Russian Federation.

Redevelopment means changing wall structures, or the location of doorways or thresholds. It also includes increasing or decreasing the area of the apartment, connecting rooms, loggias, combining apartments, baths and toilets, installing a built-in wardrobe to the entire height of the wall.

What is said about this in the Sberbank agreement

The standard form of the Sberbank loan agreement of 2021 does not provide for a prohibitory clause on redevelopment, therefore it is subject to the standard rules of the Housing Code of the Russian Federation. This means that if your apartment redevelopment complies with the standards established by the state, then Sberbank is ready to consider and approve your application to change the parameters of the apartment.

At the same time, it is worth understanding that Sberbank retains the right to refuse to approve your redevelopment, which will not hurt you from contacting the competent authorities or the court and legalizing all changes in the apartment.

Important point! From December 17, 2021, Sberbank has significantly simplified the requirements for apartments with redevelopment. He removed almost all requirements for redevelopment with the exception of lending to the secondary market with critical remarks, namely: changing the boundaries of housing and destroying walls, illegal construction of loggias and terraces, moving batteries to the balcony, as well as illegal moving of gas equipment from the kitchen.

Consequences after redevelopment

If the walls are not properly dismantled or modified, the entire building may collapse. Such an incident occurred in 2021, when one of the residents of the house living on the first floor broke part of the load-bearing wall to make a separate exit, resulting in the collapse of the entire building.

A similar situation occurred in Perm, where the owner of an apartment on the first floor of a five-story building made large openings in the load-bearing walls, causing a corner of the apartment building to collapse.

It happens that it is possible to avoid the collapse of a building and leave the reconstruction work on time. Such a case, for example, occurred in Moscow, where the owner of two adjacent apartments decided to demolish all the walls and lay out a mini-football field. After the ceiling began to slowly sag, the owner decided to stop and bring everything back to its previous form.

In the city of Novosibirsk in 2011, a load-bearing wall was affected and subsidence of the floors along the entire riser occurred. After a commission from the administration came to the site, it was decided to oblige the owner of the apartment to erect columns in place of the walls.

To avoid casualties, the law provides for a special approval process for future work. The competent agency will simply not allow work to be carried out if the documentation shows that it is dangerous to human life.

Consequences of illegal redevelopment:

For those who break the law, i.e. for those who carry out illegal redevelopment, there is a criminal penalty if adverse consequences occur, such as a collapse, fire, etc.
The purchase and sale procedure will be complicated if the redevelopment is not agreed upon.
An administrative fine may be imposed for unauthorized actions.
The bank has the right to take measures at its own discretion, unless otherwise stated in the loan agreement.

Important! If in the future you plan to sell an apartment with illegal redevelopment through a mortgage, then you will not be able to do this. The bank will refuse to lend to such an apartment.

Sale of a mortgaged apartment with illegal redevelopment (715 views)

Dear forum members! Please share your experience. There is a mortgaged apartment with illegal redevelopment. Is it possible to sell if we find a buyer willing to put down a deposit (which will go towards paying off the mortgage)? Or should we still register the redevelopment? Answer

If your buyer signs a piece of paper that agrees to “return everything back” according to the official plan, there is no problem. But usually in these cases the representative of the BTI is very interested so that there are no red lines in the new plan. Author: kathy04 D** Reply

How to coordinate the redevelopment of an apartment with a Sberbank mortgage: procedure and documents

To approve the redevelopment, you first need to notify the bank of your intentions, i.e. to write an application. It is written on a special form, which can be obtained at any Sberbank branch. The administrator registers this application in the system and assigns a special number to your application by which you can track the current status of the document through the contact center or any bank branch.

Typically, the review period does not exceed 30 working days, but in practice everything goes much faster.

Where to contact

When the issue of Sberbank has been resolved, the citizen, in order to legitimize his future redevelopment, takes the following steps:

If the owner affects a neighbor's or common area, then the written consent of the owners of neighboring apartments must be obtained.
Applies to the housing inspection for permission.
Performs redevelopment.
Receives new technical documentation from BTI.
Rosreestr carries out re-registration of documents.

Documentation

To complete the redevelopment you will need the following papers:

A sketch or projection, as well as a technical report on the safety of the work being carried out.
The appraiser's conclusion that the value of the apartment will not be reduced after the reconstruction.
Permission from the insurance company stating that it sees no reason for refusal, since the redevelopment does not threaten the life and health of the borrower.
Approval from Sberbank.
Permission for reconstruction from Zhilnadzor.
Work acceptance certificate (comes as an attachment to the application for a new technical passport).
New technical documents for the apartment. They are issued by BTI.

Important! After receiving the technical passport, you need to get a new extract for the apartment from Rosreestr.

Deadlines

According to average indicators, the bank provides six months to carry out all procedures, i.e. to complete the necessary documentation.

How long does each stage take:

You must wait 30 days for permission from the bank.
The project takes up to 3 weeks to prepare on average.
Conclusion from the appraiser within 3 days.
The documents are reviewed by the insurance company and the BTI for up to a month.
Zhilnadzor gives permission within 45 days.

Main reasons for refusal

Redevelopment may be denied for several reasons:

The home inspector has not received all the necessary documentation.
There are errors in the project documentation.
There is no consent from the neighbors for the work being carried out, if this is necessary in this situation.
The applicant submitting an application for the work being carried out is not the owner and does not have a power of attorney.
The applicant missed the deadline for submitting documents.
Redevelopment poses a threat to the structure.

How to sell an apartment with redevelopment

If you have a question whether it is possible to sell premises with redevelopment, then the answer is yes. Selling an apartment is always very difficult. Everyone wants to carry out such a procedure quickly and with greater benefit for their side.

the buyer must know about the redevelopment and check the documents before signing (in this case, it is best to contact the BTI and obtain all the necessary certificates, a floor plan of the premises and a certificate of deviations);
the cost of such housing usually increases by an order of magnitude, which allows you to count on additional funds;
if necessary, it is better to stock up on several arguments about the reason for the redevelopment and evidence that it did not cause harm to the building or other residents of the house.

How to legalize the redevelopment of a mortgaged apartment through the court: procedure and documents

There are cases when redevelopment has to be formalized in court:

In large-panel houses, it is impossible to make doorways in load-bearing walls larger than required by the standard.
“Pockets” on the same landing are not connected.
There are no balconies added.
If the apartment is on the ground floor, you cannot close the space under the loggia.
The window block must not be destroyed.
Expand the bathroom using the space located on the floor below.
Build rooms without windows.
Touch ventilation shafts or passages.
It is prohibited to connect a toilet to a living room.

Where to contact

It is necessary to file a statement of claim in the district court at the location of the object of pledge. you can here.

To competently draw up a claim, contact a lawyer with specialized education, who will not only help with the application, but may well represent you in court. To do this, you need to issue a power of attorney for him and pay him for the services provided. You won't save money, but you will save your nerves.

Important! If you are faced with problems in remodeling your apartment or don’t yet know where to start this process, then we kindly ask you to sign up for a free consultation with a lawyer through an online consultant on our website. He has extensive experience in this matter and will definitely advise and help you.

Documentation

The following documents are attached to the statement of claim:

Refusal of Sberbank to carry out redevelopment (if any).
Project or sketch.
Permission from BTI and Housing Supervision, if available.

Deadlines

Once the application is accepted, it may take several months for consideration because the redevelopment work being carried out must be approved by certain authorities.

Important! Third parties necessarily involve the fire inspectorate, SES, Ministry of Emergency Situations and many other authorities.

Main reasons for refusal

Please note that there are redevelopments that are not even permitted by court, i.e. the court will refuse due to the following:

Demolition of building façade elements.
Changing the size of the bathroom.
Removing the batteries to the balcony or loggia.
Connections between the kitchen and living room. Designed for a kitchen with a gas stove and water heater.

What is generally considered a redevelopment?

Redevelopment is a change in the layout of the apartment as a result of renovation. For example, this is moving or demolishing walls, widening doorways, combining a bathroom, demolishing window sill blocks. In everyday life, renovation work is also called redevelopment - this is the installation and transfer of plumbing, slabs, and pipelines. The approval procedure for both redevelopment and reconstruction is the same.

In Art. 25 of the RF Housing Code states that redevelopment is considered to be changes to an apartment related to its technical characteristics. That is, if cosmetic repairs are carried out in a residential area - new wallpaper is glued, linoleum is changed, walls are painted, plumbing, windows and doors are changed, furniture is rearranged - this is not a redevelopment. This is a normal repair. After all, the areas and boundaries of the rooms will remain unchanged, and this does not need to be recorded in the BTI plan.

Only those redevelopments that are reflected in the technical plan of the apartment are approved. These include:

increasing the area of rooms at the expense of other premises
changing the boundaries of the bathroom, combining or dividing
installation of an additional toilet, shower or bathroom
construction of openings in ceilings, interior partitions, inter-apartment and load-bearing walls
combining a balcony or loggia with a room, installing a glass partition
laying openings in load-bearing walls and ceilings
cutting new openings in load-bearing walls
organization of additional premises - dressing rooms, built-in wardrobes, storage rooms, or their dismantling
installation of electric stoves in kitchens instead of gas ones
creating a kitchen niche or moving the kitchen to another part of the apartment

Such types of work are carried out according to a special project with a technical conclusion on the potential possibility of their implementation. Only a design bureau that has SRO approval, such as Architectural and Design Workshop No. 1, can develop a redevelopment project.

If the redevelopment involves working with load-bearing walls or the house has wooden or mixed floors, a technical conclusion for the project is prepared by the author of the house project in your series. This could be a design institute, a small organization or a State Budgetary Institution “Expert Center”. The management company can tell you where to go.

How to coordinate redevelopment in a new building - detailed instructions

What redevelopments are unacceptable
If redevelopment work does not comply with sanitary and construction standards, it will not be approved and cannot be carried out. For example, the following are prohibited:
combining the kitchen, in which gas equipment is installed, with the living room
glazing of a balcony equipped with a fire escape
installation of fireplaces in panel houses
moving the bathroom to another part of the apartment, located above the living rooms of the neighbors below
expansion of the bathroom at the expense of the kitchen or living room - except for apartments on the ground floor
moving the heating radiator to the loggia
demolition of load-bearing partitions to combine the loggia with the room
sealing gas pipes into a niche, wall or box
In detail: do's and don'ts when remodeling

Reviews

According to reviews, it is not difficult to arrange a redevelopment in a mortgaged apartment from Sberbank, if only there were finances, because such a thing will require from 30 to 50 thousand rubles. These include prices for the following services:

For the project you will have to pay from 3 to 15 thousand rubles, depending on the complexity.
For consideration of the application by the bank from 2 to 5 thousand rubles.
For appraisal services from 3 to 5 thousand rubles.
Certificate of completed work from 15 thousand rubles.
New registration certificate from 2 to 7 thousand rubles.

A citizen also has an alternative to registration on his own - this is turning to lawyers or realtors. They will charge from 10 to 30 rubles for services rendered. You will have to pay 30,000 rubles if you have a project and not a sketch, since drawing up the first is much more troublesome.

Unauthorized redevelopment and mortgage (appraiser) Sberbank

I was selling the house, the garage was added later, I didn’t appear in the documents, the bank and the appraiser had no questions, but the justice closed the deal. We had to re-register everything, and a new title deed was issued from now on. That. According to the new title deed, the house was just registered, and in order to avoid a tax deduction, the cost had to be lowered to 1 million, although the estimate was 5,600 rubles, the bank missed the mortgage. My nerves were seriously shaken. I wrote it chaotically, I don’t know if the essence is clear.

We recommend reading: New kosgus in 2021 in a budget institution

They were selling an apartment with a decent renovation. They removed a part of the non-load-bearing wall between the kitchen and the living room, about 1.5 meters, essentially combining them. They sewed up the passage from the kitchen to the corridor, made shelves on the side of the corridor - it turned out like a closet. And plus, in the bedroom, which was very narrow and long in our opinion, they made a partition. They divided it into a living part and the part became a dressing room; there were wardrobes, shelving, and a chest of drawers. At the same time, they did not legitimize it, and buyers were completely satisfied with this change. But they came with a realtor and this played a big role, since she called some friend of hers, she turned a blind eye to this alteration and made an assessment in such a way that we did not see any alterations. I photographed the kitchen and living room from those angles where all these alterations were not included in the footage. The bedroom was more difficult. There, just like that, it was visible somewhere. But they made it simpler - they photographed the room of the neighbor downstairs. She didn't have anything changed. They gave the appraiser for this matter as a thank you 2021. If you have a good relationship with your neighbors, you can ask them to take a photo like this. Regarding the house, I think there may be problems, since the house can be photographed both from the outside and from the inside. And if everything is simple inside, you don’t remove the extension for a photo report. It’s already more difficult outside. This is where they may demand to legitimize it. But it is long and expensive. Firstly, the owners will pay a fine for the illegal extension, and secondly, for the alteration itself, they will have to pay for a new technical passport.

How to coordinate the redevelopment of an apartment with a Sberbank mortgage

Currently, more and more people are resorting to mortgage lending when purchasing real estate. But, despite the fact that the borrower becomes the full owner of the real estate only after repayment of the loan, it is possible to change the configuration of the apartment before full payment.

How to arrange redevelopment of an apartment with a Sberbank mortgage in Moscow

You can change the layout of an apartment under a Sberbank mortgage by first obtaining permission from the Moscow Housing Inspectorate.

In general, redevelopment of an apartment with a Sberbank mortgage is not much different from coordinating redevelopment in an ordinary apartment in Moscow, but there are still differences.

A prerequisite for approving redevelopment in MHI is the consent of the creditor bank, since without it the housing inspection will not give you permission for redevelopment. To do this, you need to provide a redevelopment project and a technical report on the possibility of its implementation to Sberbank. Only a company that has SRO approval can produce project documentation.

Application for approval of redevelopment.

Our specialist will contact you within 5 minutes

Is it worth buying an apartment with illegal redevelopment?

If the buyer receives all legalization obligations, then the seller effectively relieves himself of these obligations. He sold the apartment with an old remodel and is not responsible for it. If illegal redevelopment is discovered, the new owner will have to pay a fine.

If you are planning a major renovation involving moving stairs or combining rooms, then you definitely need to prepare a project. The procedure for approving such redevelopment is very lengthy and takes a large amount of money.

We recommend reading: Kursk, how long do you need to work to become a veteran of labor?

Is it possible to redevelop a mortgaged apartment or residential premises that are under mortgage?

Have you bought an apartment with a mortgage and want to remodel the premises to your liking? Don’t know what can be remodeled in an apartment without the necessary permits and formalities, and what cannot? Unauthorized unauthorized redevelopment of an apartment with a mortgage is prohibited if the actions taken are not coordinated with the supervisory authorities, the housing inspection, the technical inventory bureau (BTI) and the bank that issued the mortgage loan. In the future, mortgaged apartments with uncoordinated redevelopment can become a real problem, especially if you plan to sell the property.

Redevelopment in a mortgaged apartment, even if the mortgage loan has not yet been paid, is not prohibited by the legislation of the Russian Federation, however, this statement is true provided that the redevelopment of the premises does not disturb the structure and common parts of the building. Before you start remodeling, be sure to find out what you can do without informing the housing inspector. It is necessary to study the mortgage loan agreement for the possibility of redevelopment and reconstruction of the apartment with a mortgage. If there is no such clause in the agreement with the bank, the redevelopment will be considered illegal or illegal without appropriate approval and execution of documents. Demolition and alteration of the load-bearing structures of a building is the most dangerous and difficult type of redevelopment, and owners of a mortgaged apartment are recommended to use it only in extreme cases.

When redeveloping new real estate that is still under construction, you should notify the bank and developer of the planned changes as soon as possible. As a rule, the possible deadline for submitting your proposals depends on the work schedule and may be specified in the contract. As already mentioned, there should be no problems at all in obtaining permission for redevelopment with a mortgage that does not affect the load-bearing, external and general structures of the building. We are talking, for example, about eliminating or moving partitions in a mortgaged apartment. As a rule, such actions are carried out to increase functionality and change the purpose of rooms - for example, to enlarge the hall at the expense of a room, or to combine the living room with the kitchen. Without permitting documents and the consent of the lending bank, the general electrical wiring, ventilation, water supply and sewerage systems in the mortgaged apartment should not be affected. If the redevelopment project involves intervention in the structure of the building without the appropriate permits, the BTI may require restoration of the premises to their original condition. Associated consequences of unauthorized (unlegalized) reconstruction or redevelopment, including with a mortgage, is the imposition of an administrative fine in accordance with Art. 7.21 of the Code of Administrative Offenses of the Russian Federation from 2 thousand rubles and above.

Is it possible to get a mortgage for the purchase of an apartment with illegal redevelopment?

Architectural and design bureau "Project+" offers services for technical inspection of structures. With the company's experienced specialists, projects of any scale are possible for owners of both non-residential premises and owners of houses and cottages. Inspection of structures and structures of buildings is necessary in emergency situations, when repurposing a premises, as well as its complete re-equipment.

demolition of main walls
changing the boundaries of bathrooms, unless it occurs at the expense of the corridor
changing the boundaries of the apartment by creating extensions
destruction of ventilation ducts
transfer of water supply and sewerage to living rooms (to the corridor is acceptable).

Is it possible to redevelop a mortgaged apartment from Sberbank?

When redeveloping a mortgaged apartment in Sberbank, you need to confirm the project with the banking structure. You will need to write an application on a special form and contact the Housing Inspectorate for permission. To prepare documentation for changing the layout of the premises, you need: a preliminary design, a conclusion on permission to work, a decision of the appraiser, etc.

Is it possible to make redevelopment in a mortgaged apartment legally?

Redevelopment of an apartment with a mortgage from Sberbank must be agreed upon so that the housing does not lose the value specified in the contract. On the eve of construction, you will need to provide the necessary collection of papers and permits. According to the Housing Code of the Russian Federation (Article 25), changes in the layout of an apartment must be approved by regulatory authorities and noted in the registration certificate of residential real estate.

The concept of changing the layout means making changes to the design of wall panels, changing the location of door and window openings, entrance thresholds, expanding or reducing the living space of the apartment, increasing the loggias, combining the shower room and toilet into a common bathroom.

There is no clause in the standard bank agreement prohibiting changes in layout. During construction work, specialists can refuse redevelopment only on the basis of the regulatory rules of the Housing Code of the Russian Federation.

Inadmissible types of redevelopment:

Deterioration of access to engineering communication networks, reduction of operating conditions of the apartment.
Violation of the stability and strength of the load-bearing floors of a building, creating a risk of building collapse.
The project involves classifying the rebuilt area as unsuitable for habitation.
The project involves reducing ventilation channels.
Residential premises that are registered with the Emergency Situations and Civil Defense Headquarters may be affected without the appropriate permit.
Uncoordinated transfer of equipment for operating a gas burner from the kitchen.
Transfer of heating systems to the loggia.
Changes within the boundaries of the room.

The transfer of wet spots is carried out after creating a high-quality waterproofing layer that protects against the leakage of excess moisture. These works are hidden and are documented using a special act. Moving the bathroom to the residential part of the premises is not permitted.

In the absence of permission from the bank, you can challenge the decision in court with a request to legalize changes to the premises. If the regulations are met, amendments will be permitted.

Procedure for registration of redevelopment

Redevelopment from the owners of premises purchased with a mortgage is carried out when an application is filled out on the company’s letterhead. The administrator will register the application and assign a special number. You can track information on your application through a bank branch or call center. The standard period for consideration of a case is no more than 30 days.

Legal information during registration involves performing the following steps after the project has been approved by the bank:

When making changes that affect the common area or neighboring territory, you will need to obtain written consent from the owners of apartments located nearby.
Applying to the Housing Inspectorate for official permission.
Carrying out planning work.
You will need to obtain new technical certificates from the BTI.
Rosreestr re-registers documents.

The application to the bank requires the following information:

FULL NAME;
information from the passport of a citizen of the Russian Federation;
numbering of the loan agreement;
address of the apartment pledged by the bank;
a brief description of the desired type of redevelopment.

The application must bear the borrower's signature and indicate the date the application was written. It takes 6-7 business days to process your application. In case of refusal, Sberbank specialists will describe the reasons and provide a response in writing.

The housing inspection and the bank will need to prepare the following package of documents:

Sketch, drawing or projection in 3D format.
A technical report confirming the safety of the construction work being carried out.
A conclusion from a property appraiser confirming that there are no changes in value after the reconstruction of part of the building.
The insurance company's response about the absence of reasons for refusal and the safety of work for the life of a citizen.
Consent from Sberbank.
Permission for reconstruction work from Zhilnadzor.
Work acceptance certificate.
Updated technical documents for housing issued by the BTI.
Report from an insurance company with a positive decision from specialists.
For a building that is an architectural monument, it will be necessary to obtain consent from the relevant government agencies.

It takes up to 3-4 weeks to approve the project; 3 working days are required to issue a conclusion from a specialist appraiser. The BTI and the insurance company review the package of papers for about 1 month. Housing supervision will give permission within 45 working days. Completed work must be certified by an act signed by members of the specialist commission.

Does Sberbank allow redevelopment

In Art. 25 of the Housing Code of the Russian Federation, the concept of “redevelopment” is defined as: “a change in the configuration of a residential premises, requiring changes to its technical passport.” It follows from this that any adjustments to the apartment’s cadastral passport are subject to approval by the bank. Sberbank , as the owner the collateral property ( apartment ), has the right to approve or refuse the borrower to renovate the home . The lender's decision depends on the following factors:

the client did not carry out any work before obtaining permission;
the procedure for registering the reorganization has been followed and all necessary documents have been provided;
depending on the selected type of redevelopment (according to a sketch, design and with changes in load-bearing structures).

"Sberbank Insurance" - Download application forms for payment

Despite the large number of insurance products in different categories, the application forms for them are mostly standard.

There are 2 websites of Sberbank subsidiaries that provide online insurance:

sberbank-insurance.ru – Sberbank Life Insurance LLC. The company insures life and health, savings, investments, and the borrower;
sberbankins.ru – Sberbank Insurance LLC. Offers insurance for apartments, houses, mortgages, bank cards, equipment, travelers, and in case of a tick bite.

Each company has various application forms, which differ in content, but the following main ones can be identified:

for payment . Mandatory document required to obtain insurance. You need to enter personal and passport data, contract or policy number, and list documents confirming the occurrence of the event;
to make changes to the contract . Required when the client changes his personal data or corrects errors made when filling out the contract;
to terminate the contract . There are two types: an application for termination with a refund of the paid insurance premium - if the contract is terminated within 14 days after its conclusion; second type – no refund of premium;
to replace the beneficiary.

Registration procedure: step-by-step instructions

Legal registration of redevelopment in a mortgaged apartment is a rather labor-intensive process that requires the expenditure of money and time, as well as the provision of a voluminous package of documents from different institutions.

Obtain consent from the bank

If the purchase of an apartment was made with the help of credit funds from Sberbank, you will first need to obtain its consent for redevelopment. To do this you will need:

Prepare a project/sketch of the planned changes.
Obtain an appraiser's opinion on the expected value of the apartment after the work is completed.
Notify the insurance company that issued the collateral protection policy of your intention. The insurer must issue a letter confirming that the apartment will be insured even after redevelopment. If, according to the assessment report, the value of the home changes, then in this case you will have to renew the insurance contract and pay the insurance premium.

Next, you will need to submit the following documents to the bank:

application of the established form;
passport of the borrower/co-borrowers;
a copy of the mortgage agreement;
redevelopment project;
a letter from the insurance company (if the contract is renewed - a new policy, a receipt for payment of the insurance premium).

' alt=»»>

In cases where the insurance company changes the commission amount, you will need to provide the bank with an additional agreement with the insurance company covering the risks associated with the redevelopment work. The estimated time frame for making a decision is from 20 to 40 days. Each application is considered by the bank individually , so it is impossible to know the result in advance .

Required documents

After the bank has approved the reconstruction of the mortgaged housing, it is necessary to obtain permission from the authorized body. In order to officially legitimize the redevelopment of an apartment before receiving property, it is necessary to request the written consent of other residents. If the property is recognized as an architectural monument, then additional permission will be required from the authority responsible for the protection of architectural, historical and cultural monuments.

Next, you need to coordinate the project with the BTI and submit all the necessary documents to the Housing Inspection authorities. The latter considers such requests approximately within 2–4 weeks.

This procedure involves submitting an extensive list of documents:

technical passport of the apartment (before reconstruction) and a new project;
floor plan;
consent of Sberbank;
permission from the BTI to carry out work;
legal documents;
account number;
permits from other residents and authorized bodies.

What to do after the work

Once all permits have been received, repairs must begin. Redevelopment takes from 3 to 6 months; usually the bank initially sets target dates. The work carried out must comply as much as possible the approved project .

After completion of the repair you will need:

register and receive a new registration certificate for the apartment at the BTI;
obtain a certificate of home ownership;
provide copies of new documents to the bank within the prescribed period.

An authorized representative of the lender or insurance company may inspect the residence for compliance with the approved plan. The bank, as the holder of the pledge, reserves the right to annually inspect the property for changes.

Where to get a redevelopment project

To obtain written consent from the bank that issued the mortgage, it is necessary to work out a project for future redevelopment. It will show you how the apartment will look after all the changes. Sometimes a sketch is enough instead of a project.

Redevelopment project. For a project, you need to contact a design bureau that has SRO approval. You should only contact professional companies, since an incorrectly drawn up redevelopment plan from a “private owner” can result in the bank refusing to renovate the apartment. And the Moscow Housing Inspectorate will not accept documents that are not accompanied by an extract on the organization’s membership in the SRO of designers.

This is what the floor plan of the apartment looks like before and after redevelopment - this is part of the redevelopment project. The redevelopment project does not indicate anywhere that the apartment is under mortgage. The Moscow Housing Inspectorate does not check this, so the project will be the same as for any other apartment.

To prepare a redevelopment project you will need at least:

current apartment plan - it can be ordered from the BTI, this is part of the registration certificate
documents for the apartment - extracts from the Unified State Register or certificates of ownership, contracts for an apartment in a new building

Redevelopment sketch. There are cases when a redevelopment project is not needed. These are simplified types of redevelopment - they are coordinated according to the sketch. This is possible if, during the redevelopment, wet areas are not moved - the bathroom, toilet and kitchen, load-bearing walls are not affected, the gas stove remains in the same place where it was, and does not change to an electric one. This was discussed in more detail in the article: which redevelopments do not require approval.

This is what the redevelopment sketch looks like. Compiled by a company that has SRO approval. The cost of the work is 5000 ₽. If you wish, you can compile it yourself for free if you have the skills to work with technical documents.

Consequences of uncoordinated actions

Unauthorized redevelopment of housing is classified as a violation of the law and entails punishment in the form of an administrative fine in the amount of 2,000 to 2,500 rubles. Also, after discovering a violation, the owner of the property will receive an order to legalize the changes or restore the premises to its original condition.

In addition, if we are talking about a mortgaged apartment, then carrying out reconstruction without the approval of the bank is also accompanied by penalties from the lender. Thus, a financial institution may request early closure of debt and note the unreliability of a given borrower in his credit file.

In the matter of redevelopment of residential premises taken on a mortgage, Sberbank meets its clients halfway. A prerequisite is agreement with the bank and compliance with all formalities. To formalize the changes, you will also need to obtain permission from the Investigative Committee, BTI and the Housing Inspectorate.