Everyone loves to take a bath. Everyone wants to live in a comfortable and environmentally friendly wooden house. But only 20% of the entire population of the country can afford to buy them for cash.

This is not something derogatory, the price is really high. But you can buy a log cabin of a bathhouse or a house on credit. Fortunately, many banks provide such a service, you don’t have to look for a lender.

Construction of a turnkey house on credit

No need to think that this is a disadvantageous event. Confirmation of the rationality of such an operation is the high demand, which increases annually. It is especially advantageous to take out a loan to build a house. This loan is a mortgage in its essence, which means that the property remains as a pledge. But the repayment terms are loyal, the property will be safe even in case of financial difficulties.

Now the most delicious - many construction companies that produce houses and baths from timber have partnership agreements with banks. When cooperating with them, the buyer does not receive money in his hands. The bank transfers funds directly to the seller's account, and a loan agreement is opened for the customer.

You don’t even need to go to the bank, everything is done in the office of the log house manufacturer. But before concluding an agreement, you need to carefully read the terms of such a loan on the website of the manufacturer and the banking institution. If something is not clear, you should call the manager for clarification.

Average lending conditions are very loyal. Terms can be up to 30 years, although not every bank is ready to provide such a loan. If we take into account the fact that the price of a house is lower than apartments, such terms are not needed at all.

The best option is 1 year for every 230 thousand rubles of payments. Thus, a loan for a million rubles at 12% per annum (one of best offers market), it is profitable to take for 6 years.

In this case, the total amount of payments will be approximately one and a half million, including all interest. But, first of all, you need to focus on your own financial capabilities.

Is it possible to buy a log house or baths on credit without a down payment

A loan for the purchase of a log house is a mortgage, which means that without down payment not enough. By the way, it ranges from 10 to 35% of the total loan amount. But here, too, an exception is possible. Some construction companies themselves make an initial contribution to the bank from their own funds, which are returned to them along with the loan money, and debt obligations are automatically transferred to the buyer. A complex scheme, but working - allows you to bypass some banking rules.

Everything is simplified when the seller of log cabins enters into a special partnership agreement with the bank, which allows not to pay initial fees. With a private appeal to the bank, such a loan program is not available, this is possible only for corporate clients. This option is probably the most profitable for a person who wants to buy:
There is no down payment;
Interest is the same as with the down payment;
You can avoid leaving the property under a bank pledge.

Plus, the bank is more loyal to the delays of such borrowers. The "principle of friendship" works - if the client came from a partner, then the bank provides him with benefits. This is a matter of reputation, but useful for borrowers.

Banks lending money to buy a house

There are not very many such banks, and a decent part of them are concentrated in the Moscow region. However, it is possible to find a lender throughout the country. After all, no one prevents a manufacturer of timber houses from concluding a partnership agreement with a Moscow bank. So, credit organizations, providing loans for the purchase of a house or a bath from a bar:

Rosselkhozbank. One of the most interesting proposals: if the borrower runs a personal subsidiary plot, then all age limits are removed, and information about the place of work is not required. For other borrowers, the minimum age is 21 years, the maximum is 65. Income is confirmed using 2 personal income tax or a correct bank statement. Payments can be deferred for three years at the birth of a child. The amount can be very large, but depends on the level of income and the availability of property from the borrower. The loan is recognized as a mortgage, so the purchased building remains as a pledge.

Mortgage for building a house.

SKB-BANK. The conditions are almost the same as the previous version, with the exception of the absence of benefits for owners of subsidiary plots. The minimum age can be lowered to 18 with proof of income. Loan terms can be up to 30 years.

Sberbank. The most reliable, the largest. Buying a bathhouse or a house from a log house is equivalent to a classic mortgage, which means that the property remains pledged. Differs in low interest rates and the possibility of early repayment without commissions and penalties. This bank lends not only the purchase of a new house, but also the completion of an existing one.

Such conditions are relevant for personal contact with the bank. In the case of a loan through a partner construction company, additional benefits are possible in the form of a reduction in the minimum age and loyal sanctions in case of late payments.

Installment options for the construction of a bathhouse or a house from a bar

To receive an installment payment for the desired building, you can not contact the bank. Some construction companies offer consumers preferential conditions for the purchase of housing, allowing installments up to 3 years. The options might be:

Is your dream to build a solid cozy house, where everything is only yours? You have been thinking about this issue for a long time, but one “but” arises - there is not enough money that is needed for the home of your dreams. And quite reasonable thoughts begin to visit: “To take or not to take a loan to build a house?”. To go or not to go to the bank for a loan? For us, the answer is obvious. Build a house in installments without a bank This is an opportunity to take advantage of! Building houses in installments allows many people to fulfill the dream of buying their own housing and not getting into loans!

Build a house in installments up to 30% and up to 12 months.

Employees of the company "RemStroyService" are experienced specialists who have been building houses on a turnkey basis for almost 10 years. We help make the dreams of many come true. Turning to our company for help, you can definitely count on a loan for good rates. We have our own individual approach to each client. In our arsenal there is a huge number of clients of different incomes with various desires for projects. We carry out both low-budget orders and are engaged in the construction of country villas.

If your dream is rushing out, but there are not enough funds for its implementation - please contact us, we can always help and make your dream a reality and build a house on the site in installments!

At present, RUSSIAN ZODCHESTVO is working with OJSC ALFA BANK.

Installment conditions:

• purchase amount from 10,000 to 2,000,000 rubles;
• down payment - 30% or 50%;
• term 6, 12, 18 months.

If the installment plan is used, the cost of the order under the construction contract increases, depending on the share of the down payment (D) and the duration of the loan program, by the following percentage:

Amount on credit	max 500 000 rub.	max 1 500 000 rub.	max 1 500 000 rub.
PV / term	6 months	12 months	18 months
30%	5,20 %	8,63 %	12,12 %
50%	4 %	6,16 %	8,66 %

Example:

The cost of the order according to the calculation is 1 million rubles. Installment term - 12 months. The customer plans to make a 50% down payment. In this case, the total amount of the order under the construction contract will be 1,061,600 rubles. (i.e. 1,000,000 + 6.16%). The amount of the down payment, in this option, will be 530,800 rubles.

Requirements for the borrower:

• Citizenship of the Russian Federation;
• Permanent registration in Moscow or the Moscow region, or in the regional service area of ​​the bank;
• Age for women from 19 to 70 years old, for men from 20 to 70 years old (as of the date of the last payment, the Borrower must not be 70 years old);
• The presence of a permanent place of work, experience of at least 3 months, the Borrower needs to know the official name of the organization, address and landline phone number.

Requirements for the documents required for obtaining a loan:

• Passport of a citizen of the Russian Federation.
• Certificate of ownership of the land.
• One of the additional documents at the discretion of the client:
  • Title/STS for a vehicle (not older than 5 years and owned by the Borrower);
  • foreign passport (with stamps of travel abroad for the last year);
  • voluntary card health insurance;
  • certificate in the form 2-NDFL for the last 3 months of work;
  • work agreement.

For more information about the terms of lending, you can contact a representative of the bank:

One desire is not enough to buy or build a house. This requires certain financial resources. Unfortunately, not all companies involved in the construction of buildings are ready to build a house from a turnkey timber on credit.

Of course, this is due to the paperwork that each borrower goes through, moreover, the contractor does not receive money immediately. There is another risk - the ability of the client to repay the loan, and if this is not possible. Litigation to recover funds will begin.

Buying a house from a bar on credit is possible!

Some construction companies meet customers and offer to buy a house on credit under certain conditions. As a rule, these are large firms that can afford such a scheme.

A relatively small package of documents is required for a house made of timber on credit. Conditions are more favorable. In this way, the construction company allows itself to increase sales of buildings under construction.

Why is a house made of timber in installments through a construction company more profitable?

The construction company has certain agreements regarding credit program between construction companies and banks. Therefore, it is usually beneficial for the client to work according to the proposed scheme.

Basically, they take inexpensive houses from a bar on credit. This allows you to pay your installments on time. It all depends on the customer and the chosen project.

An inexpensive house from a bar on credit will save a serious amount of money and get a quality building.

Building a house requires not only time, but also the availability of appropriate knowledge, skills and abilities. If you do not have all this, then you can order turnkey houses in installments in our company. We have been building houses for quite a long time, which allows us to declare our professionalism.

Features of building houses

During the construction of turnkey houses, our company uses only high-quality materials, which allows us to guarantee the durability, strength and reliability of the house. Some materials our company produces independently according to innovative technologies, which provides a high level of wear resistance of the structure.

Turnkey houses in installments are built by our company in several stages:

• Conclusion of an agreement;
• Preparation of the construction site;
• Procurement or production of materials;
• Home construction.

Experienced designers meet with our clients before construction begins. The development of the project of the house is carried out by them in strict accordance with the wishes and requirements of the user. After the client agrees on the project of the house, a construction plan is drawn up. We clearly meet all deadlines, which allows our customers to move into a house for permanent residence at a certain time.

The construction of a house begins directly from the construction of the foundation. Depending on the material of construction of the walls, the specialists of our company can strengthen the foundation. We use only environmentally friendly materials, which allows us to ensure a high level of safety while living in the house. Our company has heavy equipment and all the necessary tools, which can significantly speed up the construction process.

Profitable cooperation with clients

Compared to other companies, we have an undeniable advantage. Our company builds turnkey houses in installments. This allows customers to start construction without having the required amount. We conclude agreements with clients, in accordance with which they pay out money.

The construction of houses by our company is carried out as soon as possible, which allows our customers to find their own housing as early as possible. We carry out various types of work in the field of construction, so that our customers can completely step back from this process. In our work, our company strictly adheres to the following principles:

• Excellent quality of construction;
• High speed;
• Low cost.

The construction process is controlled by our superiors at every stage, which allows us to guarantee the absence of defects. We have a team of highly qualified workers who thoroughly know all the stages of construction and perform them according to strictly established rules.

We have monitored prices for the construction of turnkey houses, among others construction companies. Due to the high speed of execution of various construction works we set the lowest price for turnkey houses. This allows our customers to save a lot cash on building a house.

In order to order the construction of a house, you just need to contact our company. For this purpose, you can use the phone or our official website. Our employees will immediately carry out a visit to the construction site to discuss the details and draw up a project and plan for the construction of the house. The construction process will begin immediately after the contract is drawn up.