A loan secured by purchased commercial real estate. Where can I get a loan secured by the purchased property? Video: Loan schemes secured by real estate

04.09.2021

Many people associate the term "mortgage" exclusively with the purchase of apartments or country houses.

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Meanwhile, the pledge of real estate, actually a mortgage, is used by entrepreneurs to secure their obligations to the bank no less often.

This method is provided for by civil law and is regulated:

articles 334-356 of the Civil Code of the Russian Federation;
provisions federal laws and “On State Registration of Rights to Real Estate”.

Bank offers

Many banks offer a loan to purchase a commercial real estate purchase or another object.

Legal entities in the Western world have been using this opportunity to expand their business for a long time.

In Russia, such loans as mortgages for legal entities are not yet widely popular. But there is reason to believe that the picture will change.

Terms

Commercial mortgages are characterized by short terms. If we compare it with loans for the purchase of an apartment, it can be noted that for citizens the maximum period is up to 30 years, but for entrepreneurs it does not exceed 10, or even 5.

Accordingly, the size of the monthly payment also differs - it is higher than for borrowers-citizens.

The similarity of a commercial mortgage with a similar loan for the purchase of a home is the obligation:

it usually ranges from 10 to 30%, depending on the offer of the bank;
This is the security that the bank receives in addition to the pledged real estate.

As for the subject of collateral, it can be both a premise for the purchase of which funds are borrowed, or any other owned by a legal entity.

Just like an apartment, it will have to be evaluated and.

The pledge is formalized by the relevant agreement and is subject to mandatory state registration (on the basis of).

Interest rates

is a payment for the opportunity to receive and use the bank's funds.

For it is higher than for a housing loan for individuals:

for citizens, the rate is 11.5-13%;
for entrepreneurs - 14-15%.

On the one hand, this is a rather high price for the use of borrowed funds. But, on the other hand, the loan term is much shorter, therefore, the overpayment will be small.

The size of the interest rate in each case is calculated individually.

It will depend on many factors:

term;
the size of the down payment;
the degree of reliability of the legal entity, etc.

Requirements

Perhaps the main reason for the low demand for mortgage loans among legal entities is too high requirements for the borrower.

For example:

work period of at least one year;
constant stable income, not dependent on seasonality;
the company is not engaged in the production of alcoholic or tobacco products;
legal entity does not pollute environment emissions to water, soil or atmosphere.

Mortgage for legal entities

Most often, a mortgage loan for commercial real estate occurs according to the usual scheme for many:

A contract of sale is concluded, according to which the seller receives a guarantee from the bank to deposit the necessary funds.
After registering the ownership and transferring the premises on bail, the money is transferred to the seller.
The seller can also receive part of the funds directly from the buyer. In this case, the loan is issued only for a part of the cost.

No down payment

Most of the proposals involve the introduction of the borrower. This is a kind of guarantee of the transaction under which the loan is issued.

In addition, this is an additional security for the fulfillment by the borrower of his obligations to the bank.

The size of the down payment affects the interest rate. The greater part of the cost of the premises will be paid initially, the less interest will be calculated by the bank.

But not always an entrepreneur, especially a beginner, has the funds to pay a third of the cost of real estate at once.

In this case, the way out is to get a loan with a zero down payment.

In order for the bank to agree to such a loan, you can offer it as collateral the existing property in addition to the one that is still planned to be bought.

But you should immediately expect that the interest rate will be significantly higher than the average.

In Sberbank

Sberbank offers the Business Real Estate product.

Terms of provision:

term from 1 month to 10 years;
interest rate from 14.75%;
amount from 0.5 to 600 million;
an initial fee from 25%.

There are benefits for agricultural producers: 20% down payment and 150,000 thousand minimum loan amount.

Mortgage for legal entities from Sberbank is perhaps one of the most profitable.

At VTB 24

Business Mortgage from VTB 24 allows you to get from 4 million rubles:

the term does not exceed 10 years;
the interest rate is calculated individually;
down payment 15-20%.

Below is a summary table with the conditions of banks on mortgages for legal entities:

Advantages and disadvantages

Despite the high interest rate, mortgage legal entities are cheaper than citizens due to a shorter period. That is, the overpayment will not be so big.

In addition, entrepreneurs have the opportunity to rent out the acquired premises and speed up the repayment of the debt.

The second advantage is the ability to defer payment of the principal debt. Different banks are ready to provide such "holidays" for a period of 6 months to a year.

But one should not think that all this time the bank will not receive a penny. At this time, interest on the loan is paid off.

Of the shortcomings, perhaps, one can name, but very significant. This is too strict requirements for the borrower.

You can understand the bank, he wants to have a guarantee of repayment of the loan. But for many entrepreneurs, such a high bar closes the opportunity to use the banking product to expand and develop the business.

Registration procedure

A common feature of a mortgage for citizens and for legal entities is its rather complicated design:

you will need to collect and submit to the bank a lot of various documents related to both the borrower and the object purchased on credit;
The result of consideration of the application is not necessarily its approval.

But in the case of a positive answer, you will have to go through two mandatory stages:

appraisal of premises and registration of rights;
property insurance.

The documents

application form;
constituent documents and certificate of registration of the legal entity;
financial and business documents.

Registration fee

You will have to apply for registration of rights to Rosreestr twice:

First, the buyer registers his right to the acquired premises, this is the right of ownership.
Then the pledge agreement (mortgage) is registered.

The article contains the conditions of 12 banks for business mortgages. And also given instructions for obtaining a loan for the purchase of real estate for individual entrepreneurs and legal entities.

Which banks issue loans for real estate to individual entrepreneurs and legal entities

Bank's name	Loan program	Interest rate	Amount, rub.
	"Express mortgage"	from 15.5%	up to 10 million
VTB 24	"Business Mortgage"	from 13.5%	from 4 million
Rosselkhozbank	commercial mortgage	depends on the term lending and the presence of a contribution	up to 20 million
Promsvyazbank	"Business loan"	depends on loan amount	up to 150 million
VTB Bank of Moscow	commercial mortgage	set for each client after credit assessment	up to 150 million
Rosbank	commercial mortgage	from 12.2%	up to 100 million
LOKO bank	from 9.25%	up to 150 million
Uralsib	from 13.9%	up to 170 million
Unicredit	commercial mortgage	determined individually after assessing the client's creditworthiness	up to 73 million
Binbank	Business real estate	determined individually	from 1 million
Transcapitalbank	Commercial real estate loan	from 9.15%	up to 6 million
intesa	set on an individual basis	up to 120 million

And now a little more about the terms of lending.

Sberbank

repayment period - up to 10 years;
no commissions;
funds are provided for both commercial and residential real estate;
Collateral - a pledge of the purchased property or a guarantee from a natural person. persons and legal faces;
availability of a down payment - 30% of the price of the object, 25% - if you borrow again;
insurance is a must.

VTB 24

refund period - up to 10 years;
the presence of an initial payment - from 15% of the price of the object;
money is provided for the purchase of offices, warehouses, industrial premises;
collateral - a pledge of the purchased property;
deferred repayment - up to 6 months.

Rosselkhozbank

the presence of a down payment - lending is available without making it;
deferred repayment - up to 1 year;
provided only for the purchase of commercial real estate;
collateral - pledge of acquired property, add. security - vehicles or equipment.

Promsvyazbank

crediting period - up to 15 years;
collateral - a pledge of the purchased property, or a guarantee from third parties, or a security deposit;
deferral of repayment of the principal debt - up to 1 year.

VTB Bank of Moscow

the purpose of the loan is a loan for a business to purchase real estate;
collateral - the purchased object acts as a pledge;
down payment - can be replaced by an additional pledge or surety.

Rosbank

purpose of lending
collateral - the acquired object acts as a pledge;
deferral of repayment of the principal debt - up to 6 months;
early repayment is acceptable, without penalties and commissions.

LOKO bank

crediting period - up to 10 years;
issuance fee - 2% of the amount;
collateral is the pledge of the property you are buying.

Uralsib

return time of borrowed funds - up to 10 years;
initial payment - from 20% of the value of the object;
issuance fee — 1.2% of the loan value;
collateral is a pledge of acquired property;
insurance is a must;
early repayment - without penalties and commissions.

Uni Credit

repayment period - up to 7 years;
initial payment - from 20% of the price of the purchased object;
deferral of the principal debt - up to six months;
early repayment is possible;
collateral is the acquired property.

Binbank

initial payment - from 20%;
deferred repayment - up to six months;
collateral is a pledge of the acquired object.

Transcapitalbank

loan term - up to 25 years;
issuance fee - no;
early repayment - allowed, no commission;
collateral - pledge of the acquired object + guarantee (or at the choice of the bank).

intesa

loan term - up to 10 years;
the possibility of acquiring a plot of land or an unfinished building;
initial payment - from 20% of the value of the object;
deferred payments - up to six months.

Lending terms

A loan for the purchase of real estate for legal entities differs from a conventional mortgage in a number of ways. In particular, a major difference lies in the terms of lending. If for ordinary citizens it can be up to 30 years, then a loan for an individual entrepreneur or LLC for real estate is issued for no more than 10 years.

Interest rates are also significantly different: they are clearly higher than for individuals. The amount of the down payment is within the standard limits and ranges from 10 to 30%. Applications for the provision of such loans, as a rule, are considered longer than for individuals. persons. On average, it is about 20 days.

As for the positive aspects, you can purchase a room for doing your business in a fairly short time. Of course, you will pay interest monthly, but for your own property, and not for someone else's rent.

The next nuance: a room that belongs to commercial real estate is more difficult to evaluate than an apartment or a residential building. It is also very difficult to determine how liquid such areas are.

What amount will be approved and at what percentage

The maximum limit of the available amount directly depends on how solvent you are. This fact is established after a thorough check of the business by employees of a banking organization.

As for%, for commercial mortgages they range from 9.2 to 20% per annum. In many banking organizations, the interest rate will be announced to you only after assessing your solvency.

What can be bought:

office space;
warehouses;
production room;
premises for trade;
land plot.

What will be the pledge

You can apply for a loan of this type only if you have collateral that can cover all acquisition costs and interest under the contract itself. The following can serve as collateral:

movable or immovable property;
securities;
money deposited into a bank account.

In addition, a banking organization may require the provision of a guarantee from other persons who are the owners of the business.

Insurance

Insurance of the object of purchase is carried out without fail, especially if it is purchased with credit funds. This requirement is clearly stated in the legislation.

The object that you acquire, as well as the one that you transfer as a pledge, must be insured against destruction or damage. Such insurance is beneficial for both you and the banking organization.

If an insured event occurs, then:

the credit institution will receive its money;
you will be freed from debt obligations, although you will lose property.

Requirements for the borrower and real estate

All purchased properties are subject to a number of requirements:

the building must be capital;
without encumbrance with the rights of third parties;
area not less than 150 sq.m.;
the property must be located in the region where the loan was issued.

This list of requirements can be expanded by a specific banking organization.

The borrower must also meet certain criteria:

you will have to confirm that the business does not incur losses;
commercial activity must be carried out for at least 12 or 24 months;
the company must not produce alcohol or tobacco products;
production does not emit to water, soil or air.

Documents for receiving money:

questionnaire;
application for funds;
constituent documents of the company;
extract from the Unified State Register of Enterprises / Unified State Register of Legal Entities;
financial statements for a certain period of time;
household documentation. activities;
documents on the ownership of property acting as collateral;

The list may differ in different credit institutions.

How to get a loan for real estate for an individual entrepreneur and a legal entity

Applying for a commercial mortgage is a complicated procedure. Let's consider it in more detail.

Step number 1. Choose the right one banking organization.

Decide which banking organization you will apply for the registration of this criterion. Choose the bank that best suits you according to all criteria.

Step number 2. We consult with a specialist in the credit department.

At this stage, discuss with the specialist all the nuances, read the list of necessary documentation and collect the entire package of necessary papers.

Step number 3. We transfer the documents to the specialist of the credit department.

Provide the bank with all the documentation that concerns both you and the property you are purchasing.

Step number 4. We are waiting for a decision.

The application may be approved, or you may be denied. If a positive decision is made, it will be necessary to go through the procedure for assessing the premises and property insurance.

Step number 5. We turn to Rosreestr.

This will have to be done 2 times: to register the rights to the acquired property, as well as to register mortgage agreement. Without this procedure, the contract is not valid. For registration services, you will need to pay a state fee.

Is it possible without a down payment?

Most banking organizations offer loans for the purchase of commercial real estate with a mandatory down payment. It is to some extent a guarantee of the transaction.

The amount of the down payment has a direct impact on the interest rate under the contract. But not every entrepreneur has the opportunity to make a serious amount as a down payment. In this case, it remains only to rely on obtaining a loan with a zero contribution.

The loan rate will be higher than the standard. To get it approved, offer the bank a property as collateral, in addition to the property you are buying.

How to apply for an individual

Such a deal can be concluded if you do not plan to sell this property in the near future. Commercial mortgage as a physical You will be approved if the following conditions are met:

the mortgage program is valid for 10 years;
the amount of the down payment from 20%;
you at the time of application - from 21 to 65 years (on the date of repayment of the loan);
you are a citizen of the Russian Federation;
you have been working at your last place of work for at least six months.

Pros and cons of a business mortgage

The following positive aspects can be noted:

the opportunity to purchase real estate without diverting working capital;
Individual approach to each client;
you can rent out the purchased premises.

As for the cons, then only one can be called significant: too stringent requirements for a potential borrower. They simply scare away some entrepreneurs from applying for a loan.

Buying a warehouse, office or retail space and instead of renting someone else's property, spend money on repaying a loan secured by your own - this is an opportunity provided by a commercial mortgage. On what conditions do banks offer it and how to get a loan?

Features of a commercial mortgage

The market for mortgage loans for business in Russia is poorly developed, but is it possible to take a mortgage on commercial real estate in principle? The credit products of large banks already include loans secured by office, retail, restaurant, warehouse and other non-residential premises to companies and individual entrepreneurs.

Today, businesses have access to both mortgages for commercial real estate owned and purchased.

Commercial mortgages differ from residential mortgages in important ways:

higher loan rates - from 11.8% in Sberbank versus 9% or lower (under certain conditions) for residential mortgages;
much shorter loan terms - no more than 10 years versus 25-30 years;
longer processing times for applications.

Often, having received from the applicant for a loan the required package of documents confirming the solvency of the business entity, the lender sends his representative to the individual entrepreneur or to the company to check how the borrower is doing.

Another feature of commercial mortgages is that banks are more likely to refuse lending, since the liquidity of a property offered as collateral is often lower than, for example, an apartment. Especially if an application is submitted for a loan secured by a production or storage facility.

What do banks offer today?

Sberbank

The largest lender in the Russian Federation, Sberbank, provides a mortgage loan for individual entrepreneurs and small enterprises "Business Real Estate", which, in the case of a pledge of an existing real estate object, can be used not only to purchase another premises, but also to repay debts on loans taken from other banks or leasing companies .

Sberbank agrees to lend for the purchase of both ready-made and real estate under construction - from developers from the list of accredited ones.

Loan terms:

the minimum rate is 11.8%;
the minimum amount is 150 thousand rubles. for small agribusiness, 500 thousand rubles. for all other clients;
the maximum amount is up to 600 million rubles. for cities listed on the lender's website, up to 200 million rubles. for everyone else;
the maximum term is 10 years;
down payment - for a loan for existing real estate is not required, for purchased - at least 20% for agribusiness, 25% for the rest;
There is no commission for issuing a loan.

Sberbank accepts guarantees and guarantees of legal and individuals as additional collateral, which is especially useful for individual entrepreneurs, many of whom find it difficult to convince creditors of their solvency.

VTB 24

VTB 24 implements the Business Mortgage program for the acquisition of commercial real estate for any purpose.

Loan options:

rate - from 13.5%;
amount - not less than 10 million rubles;
term - up to 10 years;
down payment - from 15%.

In the presence of additional collateral, an advance payment or initial payment is not required.

VTB Bank of Moscow

Another banking organization of the VTB Group provides loans for the purchase of not only premises, but also land for commercial purposes.

Mortgage for business is available under the following conditions:

rate - not specified in the loan description on the bank's website, determined individually;
amount - up to 150 million rubles;
term - up to 7 years.

VTB Bank of Moscow offers attractive additional opportunities to business borrowers:

Take out a mortgage on a residential property with its subsequent transfer to a commercial status.
Engage borrowed funds in a lump sum payment or in the form of a credit line.
Replace down payment:

additional collateral;

making a security deposit;

pledge of a bank bill;

guaranteed by the guarantee fund.

Rosselkhozbank

A bank with 100% state participation provides a commercial mortgage according to the parameters:

rate - individual;
amount - from 0.5 million to 20 million rubles;
term - up to 10 years;
an initial deposit is optional, but its absence increases the rate;
commission for issuing a loan - charged from legal entities according to the bank's tariffs;
repayment of the loan is possible with differentiated payments, incl. on an individual schedule.

Rosselkhozbank provides for the possibility for the borrower to receive additional credit funds for the repair of the acquired property.

He, like VTB Bank of Moscow, gives a choice between a lump-sum payment of borrowed money and a credit line.

As additional security, the creditor accepts not only guarantees, but also vehicles, equipment, and even inventory items.

Due to its focus, Rosselkhozbank is loyal to the representatives of agribusiness - agricultural enterprises and farmers.

Absolut Bank

JSCB "Absolut Bank" promises those who wish to take a mortgage on commercial real estate a quick decision on the application, support of a personal manager from the application to the closing of the loan agreement, the optimal solution to complex situations that arise in the process of repaying the loan.

Suggested business mortgage options:

rate - from 17.45%;
loan amount - up to 60% of the value of the acquired property or up to 80% if additional collateral is provided;
the minimum amount is 1 million rubles;
the maximum amount is 15 million rubles. in the Moscow region, St. Petersburg and the Leningrad region, 9 million rubles. in other subjects of the federation;
term - up to 10 years.

Absolut Bank also makes it possible to buy a car space in a mortgage at a rate of 14.25%, offering up to 70% of its value, or from 100 thousand to 1 million rubles. (in the Moscow region, St. Petersburg and the Leningrad region - up to 2 million).

bfa

The BFA banking organization, operating in Moscow and St. Petersburg, provides business entities of the two capitals with mortgages at a rate of 17.25% in the amount of 0.5 million to 25 million rubles, but not more than 70% of the value of the collateral property.

BFA is the only lender that agrees to provide a mortgage loan for commercial real estate for a very long term - up to 25 years.

Other

Rosbank allows you to take a business mortgage at a rate of 13.34% to 15.19% in the amount of 1 million to 100 million rubles. for any period of 3 months. up to 7 years old. It also gives you the choice between a one-time loan payment and a line of credit, equal monthly payments, or on an individual schedule.

URALSIB Bank promises mortgages for commercial real estate at a rate of 13.9% for a period of 1 to 10 years in the amount of 0.5 million to 170 million rubles. in the form of a one-time loan or line of credit. Issuance fee - 1.2% of the amount.

UniCredit Bank issues from 0.5 million to 73 million rubles. for up to 7 years with a down payment of at least 20%. Debt repayment here is also possible by annuity payments or according to an individual schedule.

TransKapitalBank gives businessmen the opportunity to take out a mortgage loan in the amount of 300,000 rubles or more. for a period of up to 10 years, both for the purchase of real estate at a rate of 16.5%, and for any purpose - at 19%.

MTS Bank offers on the security of acquired business real estate from 1 million to 25 million rubles. on credit up to 5 years at a rate of 16%, up to 10 years - 16.5-17%, depending on the down payment.

RNCB provides businessmen, with the exception of representatives of agribusiness, at a rate of 15% from 1 million to 70 million rubles. for up to 7 years, down payment from 20%.

Banca Intesa agrees to lend from 1 million to 120 million rubles, or up to 80% of the value of the immovable object for up to 10 years at a floating rate.

Conclusion

The main requirements for borrowers from banks that provide mortgages for business come down to experience economic activity(usually at least 1 year), the status of a resident of the Russian Federation and the ability to confirm solvency. For real estate - full liquidity and location within transport accessibility from the bank office.

Complete list of requirements required documents attached to the application for a mortgage loan, as well as the exact sequence of actions for obtaining a loan should be specified in the selected bank.

The possibility of obtaining a loan without a down payment.
The possibility of obtaining a loan secured by the acquired property. Under agreements up to 30 million rubles, the conclusion of a mortgage agreement is not required (mortgage by virtue of law).
Postponement of principal repayment up to 12 months.
The possibility of obtaining a loan for an individual (for business owners, the loan amount should not exceed 50 million rubles).
Reduced rates on letters of credit: opening from 0.05%.
The seller can be both a legal entity and an individual.

Requirements for the borrower:

joint-stock company (JSC);
public joint stock company (PJSC);
limited liability company (LLC);
open joint stock company (OJSC);
closed joint stock company (CJSC);
natural person who is a citizen Russian Federation(with the exception of the acquisition of residential real estate), namely:
owner of a share in a small and medium-sized business enterprise;
individual entrepreneur;
sole executive agency(director, general director) small and medium-sized businesses;
actual business owner.

If the borrower - an individual / individual entrepreneur has a spouse / spouse, it is necessary to issue a guarantee of the spouse / spouse of the borrower (instead of a guarantee, it is allowed to issue a consent in the form of a bank to conclude a loan agreement or provide a notarized consent).

Loan form:

credit;
line of credit with a disbursement limit (used only for the purchase and renovation of real estate).

Repayment order:

annuity payments when providing a loan product with a one-time crediting of the entire loan amount;
repayment of the principal debt monthly in equal installments;
individual schedule. In this case, a deferral of repayment of the principal debt is allowed:
with an amount from 3,000,001 to 120,000,000 rubles of the Russian Federation - no more than 12 months with a loan term of more than 12 months, subject to the reliability and solvency of the client. With a loan term of up to 12 months, it is allowed to repay the loan in the last 3 months in equal installments.

Guarantee:

Simultaneously:

major business owners with a combined share of more than 50%. If these guarantors have a spouse, it is desirable to provide his / her guarantee or issue a consent in the form of a bank to conclude a surety agreement or issue a consent in the form of a bank to conclude a surety agreement;
the main companies (persons) of the group that are the owners of the main assets of the group of companies (tangible assets and/or cash flows); the mortgagor in the case when the borrower and the mortgagor are different persons.

Pledge:

pledge of acquired real estate;
pledge of other property* owned;
guarantee of the SME lending assistance fund, equated to a pledge of liquid property.

* Pledge (mortgage) of a bill of PJSC Promsvyazbank; security deposit placed by the borrower - legal entity.

Payment methods with the seller:

non-cash payment under a covered letter of credit issued by the bank on behalf of the buyer in favor of the seller;
cash settlements using an individual bank safe (provided that both parties (the seller and the buyer/borrower) are individuals, and the bank fully controls the settlement process);
non-cash transfer from the borrower's account to the seller's account (loan funds can be issued only after the submission of documents confirming the registration of the transfer of ownership of the property from the seller to the buyer, and registration of the mortgage by virtue of the law on the property in favor of the bank).

Goals:

Acquisition of commercial real estate (non-residential premises, non-residential building) secured by the acquired real estate.
Acquisition and repair of commercial real estate (non-residential premises, non-residential building) on the security of exclusively residential real estate owned.

Opportunities:

acquisition of commercial real estate for the purpose of use in economic activities;
Acquisition/acquisition and repair of commercial real estate for the purpose of use in business activities.

Credit amount:

From 3,000,001 to 120,000,000 Russian rubles inclusive

Term:

up to 36 months

Own contribution:

0% - in this case, the loan amount must be fully secured by collateral.

Goals:

Acquisition of residential real estate (residential buildings, apartments in an apartment building, apartments in townhouses and a share in the ownership of the land plot on which the townhouse / apartment is located) with subsequent transfer to non-residential fund secured by the acquired real estate / secured by alternative real estate located owned.

Opportunities:

acquisition of residential real estate with subsequent transfer to a non-residential fund (available to borrowers other than individuals);
acquisition/acquisition and repair of residential real estate with further transfer to non-residential fund.

Credit amount:

From 3,000,001 to 100,000,000 Russian rubles inclusive.

Term:

up to 36 months

Own contribution:

0% - in this case, the loan amount must be fully secured by collateral.

You can get a loan secured by real estate in this institution on the following conditions:

an application for a business loan is considered within three working days;
you can get a loan without paying commission fees;
funds are transferred to the current account of an individual entrepreneur or legal entity. faces.

In this bank, business loans secured by real estate are provided in accordance with the following conditions:

property that you buy can act as collateral;
there is a delay of up to six months for the repayment of the principal debt;
funds can be provided in the classical form (with a repayment schedule) or in tranches.

Rosselkhozbank

the presence of a delay in the payment of the principal debt - up to 12 months;
loans are provided to various forms of business, including peasant farms;
early repayment is allowed.

Conditions for issuing a loan to legal entities on collateral:

no fees are charged for the issuance and repayment of a loan ahead of time;
deferred repayment - up to 6 months;
individual payment schedule;
if you are applying for a loan for an individual entrepreneur, the guarantee of the spouse is required.

Among the important conditions for issuing a loan to an entrepreneur are:

the possibility of replacing the down payment with an additional collateral;
there is a delay in repayment of the principal debt;
the business must be located within a radius of 200 km from the location of the bank's office.

a loan can be issued against the security of property of an individual entrepreneur;
the decision on extradition is made within 1 business day;
lending is completely transparent, without hidden fees;
loan currency - rubles, dollars, euros.

Uralsib

the loan product "Business Priority" can be issued only by existing customers of a banking organization;
the final interest rate is determined after analyzing your financial condition;
there are commissions for issuing a loan - from 1.2% of the amount;
repayment is made in equal installments;
in addition to collateral, the bank has the right to require a guarantee of physical. persons.

Unicredit

loans for legal entities and small businesses are provided without hidden fees;
no commission is charged for early repayment;
it is possible to defer payment up to six months;
no additional deposit required.

interest rate can be floating/fixed;
the loan can be issued in rubles, dollars and euros;
no commission is charged for processing a loan and early repayment of the amount;
It is possible to choose the form of repayment.

Binbank

a partially unsecured loan is allowed;
deferred repayment - up to three months;
repayment schedule can be tailored to the seasonality of your business.

the application is considered 14 working days;
the possibility of valuation of collateral without the involvement of a specialized appraiser;
to consider the application, you do not need to open the RS;
there are no additional commissions.

the interest rate directly depends on the amount of the loan;
repayment schedule can be developed individually.

there are no additional commissions;
It is possible to issue funds in dollars and euros.

Terms

Making a loan secured by real estate, for example, an apartment, allows you to get a more substantial amount of funds at a loyal interest rate. But the loan amount in any case will depend on how much your property will be valued.

On the other hand, if you violate the terms of the contract, you will simply lose the property registered as collateral. For a banking organization, the presence of collateral in the form of real estate is a guarantee that in any case you will return the borrowed funds.

You also have the following benefits:

the registration procedure is easier;
the bank will be more loyal to your credit history.

Pledge

The following can serve as collateral:

commercial and residential real estate;
a piece of land owned by you (or owned by a legal entity);
warehouse space.

And also in some cases, an additional guarantee of physical persons can act as security. person or business owner.

On the security of the acquired property

A loan secured by a purchased property has several features:

real estate must meet the criteria established by the banking organization;
you will not be able to sell the collateral real estate;
if you stop repaying the loan, the property will be transferred to the bank;
a loan to small businesses for real estate is provided only in the absence of debt to counterparties and the Federal Tax Service;
often a banking organization requires to insure the purchased object.

Requirements for the borrower and collateral

The general list of requirements for the borrower includes the following:

actual implementation of activities from 3 months to a year;
positive credit history for the entire period of activity;
consent to open a cash register (not in all banks);
your business has no signs of bankruptcy;
business founders must be citizens of the Russian Federation;
the radius of your business location is no more than 300 km from the office of a credit institution;
age range - from 21 to 65 years.

Collateral requirements:

no encumbrance with the rights of third parties;
the property must not be the subject of litigation;
property should not be pledged for loans issued in other banks;
if the collateral is an industrial building, it must be of brick or stone;
if the property is located on the top floor of the building, the condition of the roof must be checked.

This list is not exhaustive, each credit organisation may impose additional requirements.

The documents

If the loan is issued by a legal entity, you must provide:

founding documents;
certificate of state registration;
a protocol describing the reasons for and purposes of lending;
reporting on taxes and finances for a certain period;
photocopies of contracts with business partners;
real estate documentation that will act as collateral.

If you want to get a loan as an individual entrepreneur, bring to the bank additionally:

your passport;
extract from USRIP;

Stages and nuances

The process of obtaining a loan consists of several stages. Let's consider them in more detail:

You choose a suitable banking organization, visit its office and leave an application for a loan. By the way, now most banks provide an online application service, which saves time.
Your application is being reviewed and a decision is made.
If the decision is positive, the lender evaluates the property you are pledging.
You and the lender sign an agreement, after which funds are transferred to your account.
You receive a payment schedule in your hands, according to which you make transfers.

As for some pitfalls, they certainly exist. For example: before granting a loan, the bank's security department can check you or the business founder for a criminal record, which may be a reason for refusing to lend.

Be sure to check the status of accounts that are opened in other banks. Therefore, in the questionnaire, indicate the accounts that you have and those that you have not used for a long time. Another nuance: checking legal. addresses. If a large number of other companies are registered at your address, you will be denied credit.