Lending for the purchase of housing from Belarusbank to those in need. Basic conditions for obtaining a loan for the purchase of housing in Belarusbank Phorum Belarusbank loans for the purchase of housing

Purchasing a home in Belarus is not as overwhelming a task as it might seem. Of course, it will not be possible to use the money received in the Russian Federation for this purpose, and if the required amount is not available, you will inevitably have to take out a loan. This can also be done in Russian rubles, however, given the inevitable difficulties with transfers and conversion, it is more logical to immediately contact one of the Belarusian banks, having previously selected the optimal conditions for yourself.

Below are ten proposals from Belarusian banks; all loans for the purchase of housing are issued in local currency; Depending on the program offered by the lender, both citizens of the country and residents of Russia can receive them. The main thing is not to delay submitting an application: like domestic financial institutions, Belarusian banks quite often revise the conditions for providing borrowed funds.

"Friendly family" from Priorbank

When receiving the required amount for the purchase of housing from Belarusian banks, you should focus not only on, but also on the list of documents required to be provided and the terms of debt repayment. It will not be possible to find an ideal offer with a low annual interest rate, a flexible repayment period and minimal time wasted on bureaucratic research, but the borrower will be able to determine the golden mean for himself - and this is already a lot.

Basic conditions for the “Friendly Family” loan:

The currency used for settlements is the Belarusian ruble;
annual interest rate - from 11.5% to 14%;
the minimum amount in euro equivalent is 4500 euros;
the maximum amount in euro equivalent is 108,000 euros;
guarantors are needed;
collateral required;
cashless payments;

The standard processing time for an application is three to five days. You should not expect to receive an answer within the first 24 hours. If, after five working days from the date of filing, the bank has not notified the applicant of its decision, it makes sense to contact them again (in person or by calling the hotline).
The calculation of the maximum loan amount for the purchase of housing is carried out taking into account the salary of not only the applicant, but also his close relatives: wife (husband), children, parents, brothers or sisters. In addition to salary, other officially registered sources of income can be taken into account.
Any insured property owned by the borrower or his close relatives can be used as collateral.
Guarantors can be either relatives or third parties who have proven their solvency.
Real estate purchased on credit must be insured for an amount at least equal to its value.
In this case, life insurance for the borrower is not required, although such a service can be provided.
If the plan is not to purchase, but to build real estate, Priorbank, as part of the same program, is ready to provide the borrower with a one-year grace period for repaying the loan.
List of documents required to obtain a mortgage:
- a completed and signed application form by the guarantor;
- a certificate of income of the borrower (and, if taken into account in the calculations, members of his family or guarantors - third parties) for the last six months;
- identification document of the applicant and, if required, relatives or third parties (passport, residence permit);
- a copy of the work book of the borrower and, if required, his close relatives and guarantors, certified by the HR department;
- a certificate from an appraiser about the value of real estate;
- subsequently - a purchase and sale agreement or shared construction agreement.
Monthly payments can be made both at bank branches and at information kiosks, as well as via the Internet.
The maximum amount provided is up to 80% of the assessed value of real estate. Before receiving a loan, the borrower must pay (and provide the bank with the relevant document) the remaining 20% of the cost of housing.
The collateral can be not only the real estate of the guarantors, but also the purchased property itself.
The age of the borrower is from 22 years (lower limit) to 58 years. A prerequisite is that at the time of full repayment of the loan, the applicant must not be older than 63 years.

“Your capital” from BNB Bank

BNB Bank is one of the most attractive lenders in the Republic of Belarus. Here you can not only get the necessary amount to purchase housing without much difficulty, but also learn about the program, as well as various promotions and bonuses. “Your Capital” is a relatively new, very popular offer from this financial institution.

Basic conditions for the “Your Capital” loan:

annual interest rate - from 15.5%;
the minimum amount in euro equivalent is 5000 euros;
the maximum amount in euro equivalent is 20,000 euros or up to 80% of the estimated value of the purchased object;
debt repayment period - 5, 10 or 15 years;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
cashless payments;
early repayment of the loan is possible;

Features of the loan:

The calculation of the maximum loan amount for the purchase of housing is carried out taking into account the amount of wages and other officially confirmed income of the applicant.
Both relatives and third parties can act as guarantors.
Real estate purchased on credit must be insured for an amount ranging from 50% to 100% of its appraised value.
Borrower life insurance is not required (although it is highly desirable).
- application in the form of the creditor bank;
- certificate of income of the borrower for the last six months;
- identification document of the applicant (passport of a citizen of the Republic of Belarus or residence permit);
- a certificate of continuous work experience for the last three months (a certified copy of the work record book will do);
- for men under 28 years of age - registration certificate or military ID;
- purchase and sale agreement or shared construction agreement.
The borrower's age is from 23 to 58 years. At the same time, at the time of full repayment of the loan, the applicant must not be older than 65 years.

“Mortgage with us” from Belarusbank

High-quality service is one of the main advantages of Belarusbank. In particular, here you will be able to receive instructions on how to issue a plastic card or pay taxes or fines. In addition, this is where you can get a profitable loan for the purchase of primary or secondary housing “Mortgage with us”.

Basic conditions for providing a loan “Mortgage with us”:

the currency used is the Belarusian ruble;
annual interest rate - from 7.99%;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
cashless payments;
early repayment of the loan is possible;
The application must be reviewed within two working days (48 hours from the date of submission).

Features of the loan:

The standard processing time for an application is from one day to two days. In most cases, the applicant can learn about the bank’s decision already on the day of submitting the application.
The calculation of the maximum loan amount for the purchase of housing is carried out taking into account the amount of wages and other officially confirmed income of the borrower.
Both the real estate itself and the property of the borrower or guarantors can be used as collateral.
Guarantors can be close relatives or third parties.
Real estate purchased on credit must be insured for an amount equal to 100% of its value according to the appraiser.
In this case, life insurance for the borrower is not provided.
List of documents required to obtain a loan:
- an application drawn up in accordance with the form of the creditor bank;
- a copy of the borrower’s work record certified by the HR department.
The maximum amount provided is up to 90% of the assessed value of real estate. Before receiving a loan, the borrower must pay (and provide the bank with the relevant document) the remaining 10% of the cost of housing.
The age of the borrower is from 22 years (lower limit) to 60 years.

"Housewarming" from BPS-Sberbank

The Belarusian branch of Sberbank offers citizens of the country a profitable loan program, under which they can obtain borrowed funds for the purchase of finished housing or construction from scratch. The disadvantages of "Housewarming" are the high annual interest rate and a long list of required documents.

Basic conditions for providing a Housewarming loan:

the currency used is the Belarusian ruble;
annual interest rate - from 13%;
minimum amount - 5000 Belarusian rubles;
debt repayment period - from 5 to 20 years;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
early repayment of the loan is possible;
The application must be reviewed within three working days (78 hours from the date of submission).

Features of the loan:

The standard processing time for an application is two to three days. If a response has not been received after the specified period, you must contact the financial institution for clarification.
Relatives of the borrower or third parties can act as guarantors.
Real estate purchased on credit must be insured for an amount of up to 100% of its value.
In most cases, the lending bank insists on concluding an additional life insurance agreement for the borrower.
List of documents required to obtain a loan:
- an application drawn up in accordance with the form of the creditor bank;
- the consent of the guarantor and a certificate of his income;
- certificate of income of the borrower for the specified period;
- passport of a citizen of Belarus or residence permit;
- a copy of the borrower’s work record certified by the HR department;
- military ID or registration certificate - for male borrowers under the age of 28.”
The maximum amount provided is from 70% to 90% of the assessed value of the real estate.
The age of the borrower is from 23 years (if there is a permanent job) to 58 years.

“Housewarming coming soon” from Belgazprombank

the currency used is the Belarusian ruble;
annual interest rate - from 16.54%;
maximum amount - up to 80% of the estimated value of the purchased object;
debt repayment period - from 5 to 20 years;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
non-cash payment or one-time cash withdrawal;
there are no additional payments;
early repayment of the loan is possible;
The application must be reviewed within five working days (120 hours from the date of submission).

Features of the loan:

The standard processing time for an application is from two to five working days (calculated from the moment the bank employee receives the full package of documents).
The loan amount is calculated based on the capabilities of the applicant and the cost of housing (according to an independent appraiser).
Real estate purchased on credit must be insured to 100% of its appraised value.
The borrower can decide for himself whether to insure his life or not.
List of documents required to obtain a loan:
- an application drawn up in accordance with the form of the creditor bank;
- the consent of the guarantor and a certificate of his income;
- certificate of income of the borrower for the past six months;
- passport of a citizen of Belarus or residence permit;
- copies of pages 33–35 of the passport;
- purchase and sale agreement or shared construction agreement (original and copy).
The maximum amount provided is up to 80% of the cost according to the opinion of the appraiser.
The minimum possible age of the borrower is 18 years; the largest (at the time of receiving the loan) is 64 years old. The age at which payments end does not play a role in this case.

Loan for the purchase of housing from Belarusbank

An attractive offer from the largest lender in the Republic of Belarus. It can be used by both citizens of the country and persons with a residence permit. The peculiarity of the loan offer is a minimum of required documents and quick consideration of the application.

Basic conditions for providing a loan:

the currency used is the Belarusian ruble;
annual interest rate - from 11.5%;
the maximum amount provided is up to 75% of the estimated value of the property the borrower is interested in;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
Cashless payments only;
early repayment of the loan is possible;
The application must be reviewed within five working days (120 hours from the date of submission).

Features of the loan:

The standard processing time for an application is from two to five business days from the moment the application and package of documents are received by a bank employee.
The loan amount is calculated based on the applicant’s solvency and the cost of housing (according to an independent appraiser).
List of documents required to obtain a loan:
- a copy of the borrower's passport;
The maximum amount provided is up to 75% of the appraised value of the apartment (house). The remaining 25% must be prepaid by the borrower himself by providing a document confirming the transaction.
The borrower's age is from 22 years; the upper limit has not been determined by the creditor bank.

Loan for the purchase of residential real estate from Belinvestbank

Basic conditions for providing a loan:

the currency used is the Belarusian ruble;
annual interest rate - from 15.28%;
maximum amount - up to 90% of the estimated value of the purchased object;
debt repayment period - up to 20 years;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
non-cash payment or one-time cash withdrawal;
early repayment of the loan is possible;
The application must be reviewed within ten working days (240 hours from the date of submission).

Features of the loan:

The standard processing time for an application is seven to ten business days.
The loan amount is calculated based on the applicant’s financial situation and the value of the home based on the appraisal results.
Real estate purchased on credit must be insured for 100% of its appraised value.
Life insurance for the borrower is desirable, but not required.
List of documents required to obtain a loan:
- an application drawn up in accordance with the form of the creditor bank;
- the consent of the guarantor and a certificate of his income;
- certificate of income of the borrower for the specified period;
- passport of a citizen of Belarus or residence permit.
The maximum amount provided is up to 90% of the assessed value.
The minimum and maximum age of the borrower has not been established by the financial institution.

Loan for the purchase of housing through the construction savings system from Belarusbank

The next advantageous offer from Belarusbank is aimed, as the name suggests, at participants in the construction savings program. Without this condition, it will not be possible to obtain the required amount at the minimum interest rate; a potential borrower will have to look for another program, since Belarusbank has a lot of them.

Basic conditions for providing a loan:

the currency used is the Belarusian ruble;
annual interest rate - from 11%;
the maximum amount provided is up to 75% of the assessed value of the real estate;
debt repayment period - from 5 to 20 years;
guarantors are needed;
collateral required;
there are no separate conditions for those in need;
exclusively non-cash payments;
Early loan repayment is encouraged;
The application must be reviewed within five working days (120 hours from the date of submission).

Features of the loan:

The standard time for consideration of an application is from three to five working days from the moment the application and package of documents are received by a bank employee.
The loan amount is calculated based on the applicant’s solvency and the cost of housing (according to an independent appraiser).
Guarantors can be either close relatives of the recipient of the borrowed funds (parents, children, brothers and sisters), or third parties with a sufficient level of income.
Real estate purchased on credit must be insured for an amount of at least 100% of its appraised value.
List of documents required to obtain a loan:
- a written application (questionnaire);
- a copy of the passport of the recipient of the borrowed funds;
- signed consent of the guarantor(s);
- certificate of income for the past six months.
The maximum amount provided is up to 75% of the appraised value of the apartment (house). The remaining 25% is the burden on the borrower. Before issuing funds, the bank will require documentary evidence of payment.
The minimum and maximum age of the borrower is not determined by the financial institution.

Loan for those in need of improved housing conditions from Belarusbank

The size, as in Belarus, leaves much to be desired. Therefore, it is often of fundamental importance for the borrower not to purchase a completely new home, but to move to a more spacious and comfortable apartment. Citizens of Belarus can be helped with this by a program for those in need from one of the largest financial institutions in the country.

Basic conditions for providing a loan to those in need:

the currency used is the Belarusian ruble;
annual interest rate - from 8.5%;
debt repayment period - 5, 10 or 15 years;
guarantors are needed;
collateral required;
cashless payments;
early repayment of the loan is possible;
The application must be reviewed within two working days (48 hours from the date of submission).

Features of the loan:

The standard processing time for an application is from one day to two days.
The maximum loan amount is calculated taking into account the applicant’s solvency according to the following standards:
- up to 75% of the assessed value - in most cases;
- up to 95% - for large families with three or more children under age.
The collateral is the object of the transaction itself or housing owned by the guarantors.
Guarantors can be either close relatives or third parties.
Real estate purchased on credit must be insured for an amount up to 100% of the appraised value.
Borrower life insurance is optional.
List of documents required to obtain a loan:
application in the form of the creditor bank;
- questionnaire and consent to the processing of personal data from the guarantor;
- certificate of current financial position;
- certificate of income of the borrower for the last six months;
- passport of a citizen of the Republic of Belarus or residence permit;
The age of the borrower is not standardized.

Let's sum it up

To take out a loan to purchase housing in Belarus, you must have a passport of a citizen of the country or a residence permit. In most cases, funds are transferred to the borrower's account, although sometimes it is possible to issue money in person. Mandatory conditions are the provision by the applicant of a certificate of income and insurance of the purchased property.

The recipient of the borrowed funds will have to not only bring guarantors, but also provide collateral (this could be the object of the transaction itself). Currently, all banks in Belarus allow the client to refuse life insurance. The application may be processed within one to ten days; If, after this period, the financial institution has not notified the citizen of its decision, he should independently apply for a final answer - or find another, more accurate and obligatory lender.

The main financial support for citizens of the Republic of Belarus is provided by the country's main state bank, Belarusbank. A loan for the purchase of housing in this institution can be obtained under several programs, including preferential offers. In the absence of any benefits, the client can use the classic program to purchase his own real estate.

The bank offer “Loan for the purchase of housing” allows you to receive borrowed funds:

residential premises (apartment, house);
part of the living space (isolated room(s) in an apartment, several rooms in a house);
share in the ownership of housing;
residential premises built under government order.

A cash loan is issued for a period of up to 20 years with a deferment on the payment of the principal debt for 18 months. The maximum amount under the terms of the program is not defined, but it is no more than 90% of the cost of housing (95% for large families). When determining the loan amount, the borrower's solvency is taken into account.

Interest rates

Money can be obtained at an interest rate of 13.5% (refinancing rate of the National Bank of the Republic of Belarus + 3 points) for ordinary clients. The presence of benefits allows you to reduce it to 8.5%, and for certain categories of persons - to 3% (for those registered as needing improved housing conditions, defined in Decree of the President of the Republic of Belarus No. 13). The interest on the loan is floating and changes in accordance with the refinancing rate of the National Bank of the Republic of Belarus, which can be found on the official website of the institution.

Belarusbank allows early full and partial repayment of the loan without imposing any sanctions. To make payments, several convenient payment methods are available, including M-banking.

Main requirements for borrowers

A client who meets a number of requirements can receive a loan to purchase a home from Belarusbank:

citizenship of the Republic of Belarus or residence permit for a foreign person or stateless person permanently residing in the country;
legal capacity of an individual;
constant source of income.

There are additional requirements for the amount of benefits, as well as for the involvement of guarantors from among individuals as security for the fulfillment of obligations.

A detailed list of requirements for a specific bank offer can be found on the official website or at the nearest employee branch.

Required documents

The execution of a loan agreement is preceded by the collection of documents guaranteeing the lender the fulfillment of its obligations.

For the borrower

To confirm compliance with the bank’s requirements, the borrower provides the following information:

A copy of the passport or residence permit of the Republic of Belarus with presentation of the original.
or an extract for the last three months from the salary account, if the client receives a salary (pension, benefit) on a Belarusbank card.
Consent to the receipt of personal data and a credit report by the bank from the Credit Register of the National Bank of the Republic of Belarus.

The borrower, who is an individual entrepreneur, additionally presents:

The guarantor(s), if involved as security, provide the same list of information.

If the client has sources of additional income, then, if desired, this information is also transmitted with a package of documents. This will help increase the size of monthly payments, which, according to changes in legislation in 2018, cannot exceed 40% of average monthly earnings.

For housing

In addition to personal information, the client also provides the bank with information about the purchased housing. As a rule, the following documents are considered mandatory:

A contract for the purchase and sale of real estate, certified in accordance with the procedure established by law (by a notary, registrar or other acceptable method). By agreement with the lender, the basis for issuing borrowed funds can also be a preliminary purchase and sale agreement with the seller, which includes all the main terms of the transaction.
Conclusion on the assessment of real estate, if the apartment was selected from the secondary housing market, carried out by an organization or individual entrepreneur certified by the lender.

In case of participation in the preferential program, additional requirements are imposed on the loaned real estate in terms of the area of housing and its individual premises, and the number of rooms.

It would seem that just recently prices in the real estate market were feeling the bottom. Today, on the Minsk secondary market there are no apartments cheaper than $35,000, and new buildings with a square meter up to $1000 are sold out in a matter of days (if we are not talking about a foundation pit). The current demand is largely due to the increased availability of housing loans. What conditions do banks offer today? And how big are the risks? We tried to understand the issue by visiting six different banks under the guise of potential borrowers.

The story was made up on the fly. A family with two minor children found a desirable apartment on the secondary market. To make your dream come true, only 50,000 rubles are missing. We are trying to borrow this amount from banks, having a stable job and an average salary for Minsk (based on the latest Belstat report). Let the husband have 1,300 rubles, the wife - 900. The spouses have no other loans, do not act as guarantors anywhere and do not keep other debts private.

"Belarusbank": the first two years - 10.5%, then - 13.5%

Unfortunately, it was not possible to get advice at the mortgage center on Myasnikova Street. Having taken the ticket, we spent almost an hour in the electronic queue, and the treasured number on the board never lit up. At the end of the working day, at least 30 people gathered in the room - all of them were sent here from various branches of the bank to draw up contracts, and the center employees clearly could not cope with the surging workload. Realizing that there was no point in waiting, we left and received advice the next day at a regular bank branch with virtually no queue.

Belarusbank issues loans for up to 20 years. The first two years the interest rate will be equal to the refinancing rate of the National Bank (today it is 10.5%), starting from the second year - the refinancing rate plus 3 percentage points (13.5%).

To get the 50,000 rubles we need, the average income over the last three months should be approximately 1,126 rubles. In this case, the maximum payment will be around 788 rubles (226 - principal, 562 - interest). Then the amount will slowly decrease. It turns out that if every month we regularly pay 226 rubles of the principal debt and the remaining interest, then in 20 years we will overpay the bank about 74,000 rubles. The calculation is, of course, very arbitrary. During this time, the refinancing rate to which the loan is tied will change more than once. And it’s not in our interests to feed the bank all this time. There are no penalties for early repayment, so it is more profitable to pay as much as possible and thereby ease the debt burden.

- It’s better for you to take not 50,000, but a little less, since loans in the amount of over 50,000 rubles require not only a guarantee, but also collateral for the purchased residential premises, and these are additional costs for appraising the apartment and drawing up an agreement,- explains the specialist. - As for guarantors, for this amount you need at least two people with a total income of around 1,300 rubles. Additional payments will be 21 rubles for each guarantee agreement.

To apply for a bank loan, a preliminary agreement for the purchase and sale of an apartment is sufficient. But on the day of concluding the loan agreement, you must provide a notarized purchase and sale agreement.

For delay in the principal debt, a double interest rate is charged (in our case - 27%), for failure to comply with the terms of repayment of interest - a penalty in the amount of double the interest rate accrued for each day of delay.

We are wondering what will happen if delays become regular.

- The contract does not provide for deferments. You will have guarantors. If you can’t pay for it yourself, contact them. Otherwise, our security service will take over the case,- the bank representative answers.

Belinvestbank: 15.28%

The interest rate of Belinvestbank is now 15.28% (calculated by multiplying the current overnight rate by 1.3). The dynamics of changes in the overnight rate can be tracked on the National Bank website. Over the past year, it has changed eight times downwards - from 20 to 11.75%. A loan for the purchase of an apartment is given for 20 or 10 years.

When you arrive at one of the branches, please calculate the payment schedule for 20 years.

- Your income is enough for you to receive 50,000 rubles. If you take your spouse as a guarantor, one more guarantor with a salary of 900 rubles will be enough (taking into account the fact that he has neither loans nor dependents),- explains the consultant.

The maximum payment will be 857 rubles per month, where 209.2 is the principal debt and 647.8 is interest. Next will be a gradual decrease to 216 rubles by January 2038. If you strictly adhere to the printed schedule (which, of course, is not necessary, and even impossible due to changes in the refinancing rate), the overpayment after 20 years will be 76,394 rubles.

- But if you take out a loan for 10 years, then your salary will not be enough for 50,000. Even if you include your spouse’s income in the total, you can get a maximum of 41,000 rubles,- states the specialist. - The guarantor's income must be at least 1,150 rubles. Your guarantors can be women under 53 years of age and men under 58 years of age at the time of submitting documents. If you do not find guarantors or our risk managers decide that you still do not have enough collateral, you will be offered to draw up an apartment pledge agreement. The payment amounts will not change.

According to the ten-year schedule, the maximum payment will be equal to 874.87 rubles, where 344.53 is the principal debt and 530.34 is interest. By January 2028, the overpayment will be 31,318 rubles.

In case of a delay in repayment of the principal debt, the interest rate on the overdue part of the loan increases by 1.5 times (in this case - to 22.92%), and the borrower who violated the deadline for paying interest will face a penalty of 0.1% for each day late payment.

Priorbank: first year - 10.5%, then - 14%

At Priorbank, you can borrow up to €108 thousand in equivalent on the security of an apartment, and up to €21 thousand in equivalent with the guarantee of third parties. The rate in both cases is as follows: first year - net SR (10.5%), starting from the second year - SR + 3.5 percentage points (14%). Duration - 5, 10 or 15 years.

- Based on your total salary, you can claim 89,000 rubles. If you take 50,000, then the monthly payment will be 644.74 rubles,- after clarifying information about income and family composition, the specialist prints out a payment schedule. - Payments will be equal every month. An annuity works here: interest payments will decrease month by month, and the principal debt will increase, but the total remains 644.74 each time. If you follow this scheme, after 15 years your overpayment of interest will be 65,614 rubles. Of course, every month you can deposit more than 644 rubles in order to quickly pay the bank.

If we take out a loan secured not for 15, but for 10 years, then the monthly payment will be almost 752 rubles (here there is also an annuity), and the overpayment at the end will be 40,238 rubles.

Now let's consider the option with guarantors.

- Two people under the age of 63 are enough (at the end of the loan agreement). In your case, the total income of the guarantors should be 2000 rubles. The maximum payment in the first year will be 715 rubles, starting from the second year - 822 rubles, then payments will decrease. The overpayment after 15 years will be about 51,095 rubles. If the contract is for 10 years, the maximum payment in the first year will be 854 rubles, from the second year - 941 rubles. Overpayment - 33,621 rubles.

It turns out that it is much cheaper to find guarantors than to register an apartment as collateral. In addition, you have to pay about 200 rubles for drawing up a pledge agreement, and also spend money on assessing the market value of the apartment.

- To submit an application, we need your passports, copies of work records and salary certificates for the last six months,- the consultant clarifies the requirements. - If the application is approved, bring us the apartment purchase and sale agreement. If the apartment is pledged, you will also need a report on its market value. Additionally, in this case, it is necessary to insure the life of the borrower (315 rubles every year) and conclude an insurance policy with one of the insurance companies - the bank's partners for the amount of the loan debt.

Penalties, of course, are provided. Interest on overdue debt on the principal debt will be calculated at a rate increased by 1.5 times (15.75% in the first year and 21% in subsequent years), and on the amount of untimely repaid interest a penalty will be calculated - 0.4% for each day of delay.

"Bank BelVEB": 16%

Here the “Ulasnaya Mayomast” loan is suitable for us at 16% per annum (CP + 5.5 percentage points) - this is issued for a period of up to 20 years. If up to 60% of the cost of an apartment is loaned, then for an amount less than 30,000 rubles, at least one guarantor is sufficient, for an amount over 30,000 - at least two guarantors or an apartment pledge, and if over 60% of the cost of an apartment is loaned, it is necessary to look for guarantors and formalize pledge.

- Your salary is just a little short. You can count on 49,200 rubles,- the consultant summarizes. - If you need exactly 50,000, we include your spouse’s salary in your total income.

Calculations show that over the entire 20 years we will overpay 80,467 rubles in interest (unless, of course, we pay off the debt ahead of schedule). The maximum payment will be 874.53 rubles (208.33 - principal, 666.2 - interest).

The 10-year schedule paints a more optimistic picture: 40,465 rubles of overpayment. But payments will be kept in constant tone. We start with 1082 rubles (416.67 - principal, 665.74 - interest).

There must be at least two guarantors. Their age is not less than 21 years and not more than 55 years on the date of submission of documents. The net income of each of them must be at least 55% of the maximum loan payment. For concluding an agreement with each guarantor, the bank will take 20 rubles.

- You can choose to secure the loan in the form of collateral, then you don’t have to look for guarantors,- the specialist advises. - The payment amounts will not change. You just need an apartment appraisal. Registration of a deposit costs approximately 220 rubles.

If there is a delay in payments on the principal debt, the bank will increase the rate by 10 percentage points (in our case - up to 26%) until the debt is fully repaid, and will also fine the borrower 1 basic amount for each case of delay. For late repayment of interest, a penalty of 0.1% of the unpaid amount for each day of delay is due.

Belagroprombank: 15.5%

Belagroprombank today offers loans for the purchase of housing at a rate of 15.5% per annum (CP + 5 percentage points) for a period of up to 20 years.

- With a salary of 1,300 rubles, the bank can give a loan of 45,000 rubles. If you include your spouse’s salary in your total income, up to 71,000. In your case, you need at least two guarantors. Their total income should be somewhere around 1800 rubles,- a bank employee advises. - Or you can take out a loan secured by an apartment, and then you won’t need guarantors. Registration will cost a total of 500 rubles, including appraisal of the apartment and registration with a notary. And if there are only guarantors, then you will pay only 60 rubles: 20 for drawing up an agreement with each of them and 20 for including the spouse’s income in the total.

The maximum payment under the 20-year schedule is 864 rubles. The overpayment after 20 years is around 75,400 rubles.

Fines from Belagroprombank for overdue principal debt are double the interest rate (31%) plus a penalty of 0.15% of the amount of overdue debt on the principal debt for each day of delay. A penalty of the same amount will be charged for failure to comply with interest repayment deadlines.

"BPS-Sberbank": first year - 14.5%, then - 13%

BPS-Sberbank also offers loans for up to 20 years. For the first 12 months the rate will be 14.5% (SR + 4 percentage points), starting from the 13th - 13% (SR + 2.5 percentage points).

Judging by the 20-year schedule, the maximum payment in our case will be 812 rubles. The amount of overpayments in the end is about 70,000 (if you do not pay off the debt ahead of schedule). You have to find at least two guarantors with an income of 1,600 rubles between them (we are talking, remember, about a loan of 50,000 rubles). At the end of the contract, the age of the guarantors must not exceed 65 years. You can do without guarantors by placing an apartment as collateral.

If there is a delay in repaying the principal debt, the bank will double the interest rate on the overdue portion of the loan (up to 26%). For failure to comply with interest repayment deadlines, a penalty of 0.3% of the overdue amount is provided for each day of delay.

Can the bank change the interest rate?

Interest rates on loans are tied to the refinancing rate or overnight rate. At the same time, banks can independently initiate changes in the interest rate. Every contract we have studied has a clause indicating this. Banks can justify such a measure, for example, by changes in market conditions or the cost of resources for the bank.

The borrower will be asked to sign an additional agreement to the agreement on changing the rate. In case of refusal to sign, the bank will require early repayment of the loan and interest for the period of use.

In what other cases may the bank require early repayment of the loan?

It is necessary to carefully read the agreement not only before signing it, but also after - so as not to forget about the obligations assumed. Each agreement defines a number of violations in which the bank has the right to demand early repayment of principal and interest. Such violations, for example, include failure to comply with the intended use of the loan, failure to provide documents required under the agreement and provision of false documents, repeated late payments, changing the country of residence of the borrower, and so on.

Starting from 2017, every resident of Belarus can apply for a loan from OJSC ASB Belarusbank for the purchase of housing or residential real estate.

Benefits of a loan

The main advantages of executing this agreement will be:

the ability to use a large number of different loan repayment channels. This could be mobile banking, bank branches, information kiosk and others;
early repayment of the loan, without penalties;
It is possible to provide an account statement if the client receives his income through Belarusbank.

Basic loan terms

A loan for the purchase of real estate is possible for both the primary and secondary markets. It is even possible to buy part of the home. The loan is issued for a period of 1 to 20 years.

A down payment of 25% or more of the purchase price will be required.

The loan rate will be calculated at the refinancing rate + 3%.

Requirements for the borrower

In order to receive the required amount for the purchase of housing, each borrower must fully comply with the following bank requirements:

be a capable person who can repay the loan, as well as a citizen of the Republic of Belarus;
foreigners who have a residence permit;
the main condition is the presence of a constant source of income;
a citizen of retirement age can also receive a loan. The pensioner will have to provide the bank with his relative, who will act as a guarantor for his loan. This relative should not be of retirement age.

Required documents

In order to obtain the necessary loan you will need to provide the following package of documents:

A copy of the passport, which will be provided to the bank employee along with the original.
A certificate confirming income for the last six months. If a person receives a salary from this bank, then he must simply provide only a statement for the last months.
Agree, as a borrower, to receive a loan from Belarusbank.
Provide consent to the processing of all personal data provided.
A package of documents certified by a notary that confirms the purchase and sale of real estate.
A document that confirms the market price of a property. This certificate must be issued by a special organization that deals with this.

Certificates must be valid for no more than thirty days from the date of their issue.

Individual entrepreneurs must additionally provide:

a copy confirming the registration of a private entrepreneur;
information on income, as well as average income;
a certificate of a bank account, which will be issued by the bank where it was opened;
documents from the tax office, which will state that the company pays all taxes on time;
certificates confirming settlements with the budget, which are also issued by the tax administration.

Having your own roof over your head is one of the basic conditions for the comfortable existence of a modern person.

But unfortunately, many are not able to purchase a house or apartment with a one-time payment.

Therefore, banks in the Republic of Belarus issue mortgage loans for such people.

This article will tell you about the varieties of the latter offered by JSC JSB Belarusbank.

The history of this institution dates back to 1922, when, in accordance with the NEP (New Economic Policy), the first savings bank was opened in Minsk to store the free funds of workers.

Over the next 95 years of development, it turned into one of the main banks in the country, combining smaller ones. Currently, there are about 1,500 branches, 150 currency exchange offices and 21 large branches in the country.

Types of loans, advantages and disadvantages

The list of loans offered by this organization is given in the list below.

They have the following advantages:

Absence of any penalties for early payment of debt;
The same package of documents required to obtain a loan;
Convenient and fast ways to return funds: mobile or online banking, special machines and kiosks;
If the borrower has an account for calculating salaries or pensions, then there is no need to present a certificate of income;
The allocated funds are not issued in person, but are transferred to the account of the real estate seller.

The disadvantages of these loans include a “floating” interest rate.

This is due to the fact that the latter is based on the state refinancing rate. It can change up or down, thereby changing the size of payments.

Reference. The current refinancing rate can be found on the page. The value highlighted in red and marked with “**” is current.

"Mortgage with us"

This loan is issued to citizens who buy finished housing, participate in shared-equity construction, or purchase housing bonds for the latter from the following construction organizations:

TRIPLE LLC;
OJSC "Bobruisk Plant of Large-Panel House Construction";
Dana Holdings;
StroyFormula LLC.

The conditions under which the bank issues a loan are as follows:

1. TRIPLE LLC:

Duration: up to 20 years;
Bid:
1-12 months: basic rate reduced by 1%;
13th month and beyond: basic rate + 3%;
Loan amount: up to 90% of the price of the apartment or bonds, taking into account the borrower’s income.

Note. The main rate refers to the refinancing rate of the National Bank.

2. OJSC “Bobruisk Plant of Large-Panel House Construction”:

Duration: up to 20 years;
Bid:
1-12 months: basic rate reduced by 2%;
13th month and until the end of payments: basic rate increased by 3%;
Loan size: up to 90% of the price of housing or bonds.

3. Dana Holdings;

Duration: up to 20 years;
Bid:
1-36 months: Basic rate reduced by 2.51%;
37 month onwards: 1.5% + basic rate;
Loan amount: no more than 90% of the cost of housing or bonds.

StroyFormula LLC.

Duration: up to 20 years;
Bid:
1-12 months: basic rate reduced by 2%;
13 and subsequent months: basic rate increased by 3%;
Loan size: up to 90% of the value of bonds or real estate.

Important! If the state refinancing rate changes, you can recalculate the loan debt.

"Successful update"

This loan is not intended for the purchase of a home. Its purpose is to repay the bulk of a loan taken from another bank.

It is issued under the following conditions:

Duration: less than 10 years;
Amount: no more than the debt excluding interest;
Rate: basic + 4%.

Additional prerequisites for obtaining:

Only the person for whom the first loan was issued can receive this loan.
The applicant must not have any credit card debt or other loans.
There are no late payments.
There are more than 3 months left until the end of payments on your home loan.

If these requirements are met, then refinancing the debt will be simple.

Important! Regardless of the size of the loan, obtaining it requires collateral in the form of purchased real estate and several guarantors. The number of the latter directly depends on their financial capabilities. The better they are, the less of them are required. This condition applies to all described loans.

Loan for the purchase or construction of housing using subsidies from the state for its repayment

It is intended for the purchase of housing in apartment buildings, as well as for the construction or restoration of small private houses.

Issued by decision of the administration of a district, region or city to provide subsidies for its repayment.

The conditions under which the bank provides a loan are as follows:

Loan amount: calculated in accordance with the decision of the administration of the locality and the solvency of the person wishing to apply for it;
Duration: no more than 20 years;
Rate: basic rate + 3%.

Important. To clarify the amount borrowed from the bank, its employee can take into account the income of other family members. This privilege applies to all loans under consideration.

Loan for home purchase

As the name suggests, it is intended for the purchase of residential premises, namely:

Apartments, private houses, separate rooms or shares of ownership;
Rooms in a dorm or for small families.

Important! Housing built under government orders cannot be purchased with its help.

The conditions under which this loan is provided are as follows:

Loan size:< 90% от цены помещения с учётом финансовых возможностей заёмщика;
Payment term: up to 240 months (20 years);
Remuneration rate: basic rate increased by 5%.

Important!

Loan for purchasing a home using housing savings

It differs from the previous type in that part of the funds is accumulated by the borrower in a special savings deposit intended for the purchase of housing.

It also has 2 additional benefits:

A participant in this savings system has the opportunity to transfer the right to receive a loan to close relatives (not only his own, but also his spouse).
The loan is issued regardless of whether a person needs housing or not.

Conditions for receiving are as follows:

Term:< 20 лет;
Loan amount: up to 75% of the cost of the apartment or house;
Interest rate: basic + 1%.

Important! From November 8, 2018 to January 1, 2019, acceptance of applications for this loan is temporarily suspended.

Necessary documents and requirements for the mortgage recipient

You can receive any of the listed types of loans:

Working people;

These can be citizens of the Republic of Belarus, persons with or without a residence permit, having a permanent place of residence (registration) and official income.

Old-age pensioners or disabled people;
Small business owners (SE).

To submit an application, the first 2 groups of citizens must provide the following documents:

Original and copies of passport (yours and the guarantor(s));
Certificates of income from all parties to the agreement;
Permission to provide a credit history from the Credit Register for the applicant and guarantors;

Advice. You can submit such an application at one of the branches of the National Bank. The results of the request to Belarusbank are provided by the applicant independently.

Consent to the processing of personal data;
A document for determining the loan amount - a preliminary purchase and sale agreement, for example. Or the loan officer can obtain this information themselves.

Important! All certificates are valid for 30 days from the date indicated on it. The date of receipt of this document does not affect the validity period.

To apply for a loan, an individual entrepreneur needs the following documents:

Certificate of state registration of individual entrepreneurs and related licenses (originals and copies);
A certificate from the bank in which the operating account is opened about the cash flow on it for 3 months. If an entrepreneur works without it, then a certificate is not required. In exchange, a tax return for the last quarter is provided.
Certificate of all tax payments for the last 3 months.

Important! These certificates are valid for 15 days.

In addition to the basic documents, you will need a pledge agreement. As the latter, you can use residential and non-residential premises, as well as vehicles.

The list of documents can be downloaded from the following links:

After collecting all the necessary documents to apply for a loan to purchase a home, you need to contact one of the institutions:

The mortgage lending office to which the applicant's registered address or the location of the property being purchased relates.
To any mortgage lending department in Minsk (for city residents only).
When the applicant is included in the list for which a preferential loan is issued - to the preferential lending service.

The variety of loans offered by JSC "JSSB Belarusbank" and intended to finance the purchase of housing by the population allows you to acquire personal living space for the minimum possible amount.