Mortgage for the construction of a residential building: conditions from Rosselkhozbank, list of required documents

For most people, a mortgage for building a house from Rosselkhozbank is the only opportunity to build their own living space. Since the bank is wholly owned by the state, its main goal is not to profit from clients, but to help them buy a house or apartment. Any financial transactions are always a risk for your wallet. Therefore, it is important to conclude transactions and sign contracts only with reliable and trusted organizations. One of these is the state bank RSHB.

Advantages of mortgage lending at RSHB

Advantages of a mortgage for the construction of a residential building at Rosselkhozbank:

• you will not have to pay a commission for receiving and using bank funds;
• the client independently chooses the format of debt repayment - differentiated or annuity;
• for young families and families with children there are special loyalty programs, bonuses and discounts;
• RSHB makes it possible to close debt obligations prematurely without overpayment or penalty;
• you confirm your income using the company form, rather than collecting dozens of certificates from different institutions;
• special conditions for purchases through maternity capital;
• responsive and friendly staff;
• transparent conditions and legally correct contracts;
• possibility of prolongation, change of terms, restructuring of debt obligations;
• There are many offers on mortgage lending tariff plans, where everyone will find something suitable for themselves.

Possible options for obtaining a loan from Rosselkhozbank

Obtaining a mortgage for the construction of housing is a complex procedure with a high probability of refusal or inflated interest rates, because the bank takes a big risk (the borrower may not complete the house or the finished building may turn out to be illiquid). Therefore, it is often easier and more profitable to apply for a loan under another program (for example, using family capital or secured by another property).

Consumer loan

If construction does not require borrowing funds in a large amount (for example, the borrower has saved part of the amount on his own), then it is better to take out a consumer loan.

To build a house, you can take out a consumer loan.

The advantages of such a program:

• the ability to use funds for any purpose;
• lower loan rate (compared to targeted housing programs);
• simplified scheme for receiving funds, no need to prepare a large package of documents;
• no need to pledge property.

In addition, banks issue consumer loans more often than loans under targeted programs.

The conditions for consumer lending at Rosselkhozbank are presented in the table:

The rate depends on the amount and term of the loan, as well as the category to which the client belongs.

The standard percentage for individuals who do not receive salaries on RSHB cards and are not employees of budgetary organizations (the rate is indicated when submitting an application at the bank office / online) is as follows:

Interest surcharge on the principal amount of the loan:

• absence of positive CI - +2%;
• refusal of insurance if the loan size does not exceed 1 million rubles - +4.5%;
• refusal of life and health insurance for a loan amount exceeding 1 million rubles. — +2.5%.

Maternal capital

For families in which one of the spouses is not older than 35 years, and for holders of maternity capital, special conditions are provided:

• Family capital funds may be used as a down payment or for early repayment of existing debt;
• the property is registered as shared ownership;
• Young families can take advantage of a delay in the birth of a child (until the end of the mother’s maternity leave).

Maternity capital can be used as a down payment.
Mortgage terms:

• loan term - 12 months-30 years;
• amount - 100 thousand - 60 million rubles;
• minimum rate - 7.5%;
• down payment - 10%.

In the latter case, the exceptions are as follows: 0%, if the size of the capital corresponds to 10% of the cost of building a house or exceeds this figure; 20% if the bank took into account income from farming).

Secured mortgage

The loan agreement can be secured by collateral in the form of a plot on which the construction of a residential building is proposed.

In this case, the following conditions apply:

• The term of the loan agreement is 12 months-30 years;
• amount - 100 thousand - 20 million rubles. (but a maximum of 70% of the value of the object being pledged);
• no down payment;
• the minimum rate is 9.1%.

The loan can be taken out with collateral in the form of a plot.

Standard

Standard conditions are suitable if the potential borrower already owns a plot of land and intends to raise loan funds for the construction of a private house.

Conditions for a mortgage for the construction of a private house in Rosselkhozbank in 2021

The Russian Agricultural Bank provides its clients with more than a dozen different loan packages.

Mortgage lending in RSHB

Lending at Rosselkhozbank is subject to special requirements that are equal for all clients. Information on offers and interest rates is published on the website.

Program description:

• maximum term - 30 years;
• first payment - at least 15% of the total cost of building the house;
• size - from 100,000 to 60 million rubles;
• issued strictly in state currency by bank transfer;
• rate - from 9%.

Rural mortgage

One of the most attractive terms is the “Rural Mortgage” tariff plan. It provides a preferential interest rate in order to attract people to live in rural areas. The overpayment coefficient is from 2.7% for a period of up to 25 years. Peculiarities:

• targeted funds for the purchase of real estate or its construction;
• the client chooses the debt repayment scheme;
• income is confirmed by the bank;
• there is an opportunity to buy not only living space, but also a plot of land (which is especially important in rural areas).

Tariff plan “Rural”

As part of the state program for the development of rural areas, preferential mortgages began to operate in 2021. One of the first banks to develop an appropriate loan product is RSHB. During the month, the bank pre-approved 64 thousand applications worth over 140 billion rubles. More than 5.2 thousand borrowers have already received funds worth more than 10.4 billion rubles.

The “Rural” tariff plan is preferential.

Terms of Rural Mortgage at Rosselkhozbank:

• loan rate - 2.7% (without insurance policy - 3%);
• amount - 100 thousand - 5 million rubles. (up to 3 million rubles - except for the Leningrad region and the Far Eastern Federal District);
• the maximum period for fulfilling obligations is 25 years;
• down payment - from 10%.

If certain conditions stipulated by the agreement with the bank are met, the preferential interest rate may change to the base rate (current rate + key securities) or standard (11.5%).

Income can be confirmed using the RSHB form. No more than 3 people are involved as co-borrowers, including those who are not related. Your spouse automatically becomes a co-borrower.

Online application

On the official website you can submit an electronic application. But this doesn't mean you won't have to leave the house.

Lines that are important to fill out:

• surname;
• Name;
• surname;
• Date of Birth;
• telephone;
• email address;
• region in which you want to build property.

Fill out these fields manually and click “Submit Application”.

At one of the points you choose a branch convenient for you, where you bring the documents.

How to get a mortgage at Rosselkhozbank

Approval of the application is valid for 90 days. During this time, you need to have time to complete the deal. When a suitable apartment is found, it will need to be assessed by an independent expert, since the bank accepts real estate as collateral at its estimated value.

Next, a preliminary purchase and sale agreement is drawn up. Rosselkhozbank checks the property in 3-10 days and, if everything is fine, agrees on its purchase with the borrower. After this, you can proceed directly to concluding the deal. To do this, the seller and the buyer go to the Registration Chamber, sign an agreement, after which the housing becomes the property of the borrower.

Mortgage terms

The mortgage is provided on the following terms:

• availability of collateral. The collateral can be a plot of land or real estate built using borrowed funds;
• compulsory insurance of property and life of the borrower. If the borrower loses legal capacity or passes away before the contract expires, the bank's expenses will be covered by insurance. Payment for insurance may be included in the mortgage amount;
• number of guarantors up to three people. It is not allowed to engage as a co-borrower a citizen who has had problems in the past with repaying their loan obligations;
• Early repayment of the loan is allowed;
• currency – Russian ruble;
• minimum amount – 100 thousand rubles;
• maximum amount – 60 million rubles;
• minimum term – 3 years;
• maximum term – 30 years;
• interest rate from 2.7% to 11.5% depending on the chosen program;
• down payment – ​​15-20%;
• possibility of opening a credit line.

A line of credit allows you to receive money in stages. The stages are tied to the project cycles and construction work for the construction of the building. Interest is not charged on the entire loan amount, but only on the portion actually received by the client.

The following factors have the greatest influence on the interest rate on a loan for the construction of a country house:

• selected program;
• financial condition of the borrower;
• term;
• down payment amount.

List of documents

To make a decision on granting a mortgage, the borrower must provide the following documents:

• statement;
• general passport;
• certificate of completion (not completion) of military service;
• confirmation of work activity;
• information about sources of permanent income.

Additional information includes data on marital status, presence of children and dependents.

For some types of mortgage programs, income information is provided in a simplified form.

Documents for the property being purchased:

• certificates confirming the seller’s ownership (certificate of ownership, extract from the Unified State Register of Real Estate, etc.);
• USRN extract (no more than 30 days at the time of contacting the bank);
• technical passport of the house or other technical documentation for the property;
• documents for land (certificate of ownership, long-term lease agreement);
• extract from the house register;
• estimate, project and contract agreement, if a mortgage is issued for construction;
• expert opinion.

Documents for the construction of a residential building:

• title documents for the land plot (certificate of state registration of rights or lease agreement);
• extract from the Unified State Register of Real Estate from a month ago;
• cadastral passport of the land plot;
• extract from the house-to-house accounting book, construction project and contract, estimate, expert opinion;
• permission from the local government and other approving organizations to erect a building and connect it to utility networks;
• a certified copy of the contract with the construction contractor.

If construction is planned to be carried out with the participation of a contractor, the estimate must be certified by his official representative. If the borrower will carry out all the work independently, then his signature is sufficient on the estimate.

The location of the house on the site must comply with urban planning standards and not pose a threat to neighbors. Therefore, it is recommended to carry out geotechnical checks before starting work, and to seek help from a design company to draw up a project.

How to apply online for a mortgage at Rosselkhozbank

An individual needs to go to the official website to form and send an online application for a mortgage to Rosselkhozbank. There you need to select the page with mortgage programs in the section for individuals and click on the “Apply” button under the product of interest. After this, a section will open where the borrower will need to enter the following information about himself:

1. FULL NAME.
2. Date of birth.
3. Contact phone number.
4. Email.
5. Approximate amount and term of borrowing.
6. Indicate the nearest branch.

After processing the online application for a mortgage at the Russian Agricultural Bank, the manager of the organization will contact the potential client and give further instructions. If the preliminary decision on the loan is positive, the person will be invited to the bank branch with a full package of documents. After the application is formed and the final positive decision is made, the transaction is concluded. Also, during a personal visit, an employee of the credit company will make a complete and accurate calculation of the mortgage at Rosselkhozbank, inform you of the amount of the monthly payment, interest rates, and help you register your personal account.

The complete algorithm for obtaining a mortgage at the Russian Agricultural Bank is as follows:

1. Prepare the necessary documents for concluding a housing loan agreement.
2. Submit an online application for a mortgage at Rosselkhozbank and receive approval from the lender.
3. Choose a suitable apartment or house, have the property assessed by an accredited specialist.
4. Conclude a loan agreement, sign a purchase and sale agreement, insure the life of the borrower and the collateral real estate.
5. Register the transaction, which is carried out by submitting an application to Rosreestr.

To reduce interest rates as much as possible, it is necessary to carry out life and property insurance. The cost of mortgage insurance at Rosselkhozbank is approximately 0.02-0.05% of the transaction. When purchasing real estate on the secondary market, you will also need to rent a safe deposit box, the cost of which is 4.5 thousand rubles.

Features of mortgage lending for the construction of a residential building

When agreeing on the size of the loan, not only the solvency of the borrower is taken into account, but also the cost of construction. The borrower must provide the lender with an estimate for each stage of construction. The maximum loan amount, as a rule, does not exceed 80% of the estimated construction cost.

If the borrower involves specialists in construction, payment for their work must be specified in the estimate.

Special requirements are put forward for the land plot on which the property will be built. It must undergo a land surveying procedure and be owned by the borrower. If the land is leased from local authorities, the lease period should not end before the term of the mortgage agreement.

The repayment scheme is chosen by the borrower independently:

• differentiated scheme. The amount of monthly payments during the term of the contract decreases and reaches the minimum amounts by the end of the contract;
• annuity payment. The client pays a fixed amount monthly, which does not change for the entire term of the contract.

The collateral is land, a house, part of a house or a townhouse. Under a target mortgage for construction, the borrower can pledge an existing apartment or country house with land.