Where to get a loan to buy a home in Belarus? How to get a loan to buy a home in Belarusbank? Belarusbank loans for housing construction loan calculator

Belarusbank willingly provides loans to various segments of the population for the purchase of real estate. This practice is beneficial to the bank itself and contributes to solving the housing problem throughout the country.

The loan is provided in Belarusian rubles, and its size is determined by the solvency of the recipient.

Interest on the loan is paid throughout the entire period of actual use of the loan.

According to the legislation in force in the country, the size of a one-time cash loan for the purchase of residential real estate should not exceed 90% of its value.

In the event that we are talking about families with many children or families containing minor children, the threshold for the loan amount can be increased to 95%.

How to apply?

To apply for a loan, the client should contact the branch of Belarusbank, having the documents necessary for the procedure.

Bank employees will help you fill out an application form for a loan and choose a suitable loan program.

After making a decision on issuing a loan, a meeting is scheduled for the client to agree on the necessary formalities and issue funds.

An online application is a very convenient way for the client and the bank to apply. The required form is filled in by the client on their home computer and then sent to the appropriate address.

All related issues are discussed between the client and bank representatives over the phone.

The coordination of formalities is carried out after the bank decides to issue a loan in one of its branches. Usually the application is considered during the day.

To buy an apartment

To obtain a loan for the purchase of an apartment in Belarusbank, the client must fulfill the following requirements of the bank:

• pay 25% of the market value of housing;
• submit a certificate of income to the Belarusbank branch.

This is due to the long terms of issuing such loans and high interest rates on them.

If at the time of putting the house into operation all internal finishing work has been completed, a loan can be granted in the amount of the full standard of preferentially credited housing.

Young family

The Young Families Loan Program was created to improve their living conditions.

The interest rate on the loan is equal to the refinancing rate, the documents should be submitted to Belarusbank after the real estate is put into operation (acquisition).

The total amount of the loan does not exceed 90% of the value of the housing.

To buy a house

Such loans are available only to citizens who have entered into contracts for the sale of residential properties built on state orders.

The interest rate is equal to the refinancing rate with the addition of 15 points and ranges from 28.5 to 38.5% per annum.

The loan is allocated for up to 15 years and amounts to 75% of the cost of the purchased house. There is a possibility of early repayment of the loan without the application of penalties to the borrower in case of delay in the previously made payments.

And in order to find out under what conditions VTB 24 issues a mortgage loan secured by real estate, you need to follow the link and read the article.

Soft loan

Concessional lending is a gratuitous state support of citizens in order to improve their living conditions.

The payment of subsidies is of a one-time nature, and citizens are given the right to independently assess the value of real estate.

The maximum loan amount does not exceed 71,000,000 Belarusian rubles. It is possible to conclude an insurance contract for housing purchased on credit on preferential terms.

Offers for those in need

Only a borrower who is on special lists can receive such a loan. The term of the loan program in this case is 20 years (40 years for large families).

For large families, the amount of overpayment on a loan is 1%, for military personnel - 5%.

Such loans are issued as part of the state program for providing loans to the poor in order to improve their living conditions.

Requirements for borrowers

Obtaining a loan for the purchase of housing in Belarusbank is associated with the need for the borrower to comply with the following requirements:

1. The borrower must be a citizen of the Republic of Belarus.
2. He must have a good credit history.
3. They must provide proof of income.
4. The borrower must have a permanent residence permit in the territory included in the coverage area of ​​Belarusbank.

Loans for the purchase of housing in Belarusbank in 2018

This year, all loans for the purchase of residential real estate in Belarusbank are linked to the rate of the Central Bank of Belarus.

At the moment, the bank's refinancing rate is 25%. In the event that the borrower is a client of Belarusbank receiving a pension or salary in it, it is possible for him to receive a loan without providing a certificate of income.

When concluding a loan agreement, the client, at his own request, has the right to conclude an insurance agreement for the purchased housing on behalf of the Belgosstrakh company.

Home insurance protects your home from the possibility of damage from a fire or natural disaster.

Interest rates

Interest rates of this type of lending are clearly linked to the refinancing rate of the Central Bank of the Republic of Belarus.

Their size varies from 28 to 39% per annum in national currency.

Obtaining a loan from Belarusbank for the purchase of housing involves the need to provide the following documents:

1. Passport of a citizen of Belarus.
2. Income statement.
3. Family document.
4. Military ID (for men under the age of 27).

Maximum amount and minimum amount

The loan amount is limited to 90% of the cost of the purchased housing, in certain cases it can increase up to 95%.

The loan amount ranges from 50,000 to 71,000,000 rubles.

Dates of issuance

A loan for the purchase of housing in Belarusbank is issued for a period of several months to 15 years. For certain categories of citizens, its term may be extended to 20 years.

How to pay off debt?

The following methods of repayment of credit debt are provided:

cash payments through the cash desks of Belarusbank branches;

using the auto payment service, which can be registered in the form of a periodic payment, payment on demand, payment on outstanding debt;

at information kiosks of Belarusbank;

using the Internet payment system;

use early repayment without penalty;

using the M-banking system, which allows you to make payments at any time of the day using a mobile device.

If you decide to get a loan to buy a home without a down payment at Sberbank, then you need to familiarize yourself with the following information.

How to get a soft loan to buy a home? Read here.

Advantages and disadvantages

A loan from Belarusbank for the purchase of housing has its advantages and disadvantages.

Its advantages include:

1. The possibility of acquiring living space in a short time, subject to a lack of funds.
2. A wide variety of loan repayment methods.

The reality of early repayment of the loan, provided that there are no penalties from the bank.

Long term loan agreement.

The possibility of concluding an insurance contract for housing space purchased on credit.

The loan has the following disadvantages:

1. The need to make regular payments of significant amounts of money throughout the term of the loan agreement.
2. The danger of losing your home if you lose the ability to pay off the loan.

The need to have a positive credit history in order to get a loan.

High interest rates on loans.

The need to maintain living space in an acceptable condition for reporting to bank employees.

The impossibility of using credit funds in an inappropriate way.

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How to get a loan from Belarusbank for housing

The problem of improving housing conditions is relevant for many people. It is not for everyone to raise enough money to buy real estate on their own. Therefore, citizens turn to banks for loans.

Acquisition and construction of housing under the system of building savings

Belarusbank offers citizens to use the system of construction savings. To do this, the client opens a special deposit, deposits funds into the account. Accrued interest is also accumulated on the deposit. After the expiration of the period established by the agreement, the client applies for a loan. The term of use of funds is up to 20 years from the date of transfer of the loan. The issuance is carried out by transferring money to the account of the property owner.

The allocated amount can reach 75% of the total cost of the object. The specific amount is determined by bank employees, taking into account the following factors:

• the amount of savings on the account;
• the amount of income;
• the level of income of the guarantors on the loan;
• credit history;
• market price of the property.

The rate for using the loan can be set at the level of the refinancing rate - + 3% . In this case, it is reviewed as soon as the National Bank changes this value. The client can choose the weighted average rate. Then the refinancing rate is taken into account, which was in effect in the period from the moment the deposit agreement was concluded until the month preceding the issuance of money. A citizen who has previously made a savings deposit under the construction savings system can take a loan from Belarusbank for housing under the specified conditions.

Lending for construction and purchase of finished housing

The bank also issues funds in the amount of up to 75% of the market value of the acquired object. The term of use of money is up to 15 years. The interest rate is set at the refinancing rate + 3%. A loan from Belarusbank for housing construction can be issued upon submission of the following documents:

1. When an object is erected by an organization of developers - a certificate from such an organization on the inclusion of the applicant in it.
2. In case of shared construction, a certificate of the participant and a copy of the agreement on the creation of an object of shared construction are required.
3. During the construction of an individual house: a contract for the performance of contract work; certificate of ownership of the land; a certificate of the cost of the facility under construction indicating the percentage of completion.

A loan from Belarusbank for the purchase of housing is issued to any person who meets the following requirements:

• permanent place of residence is on the territory of the Republic of Belarus;
• there is a permanent source of income;
• the citizen is fully capable.

Loan repayment procedure

The monthly payment consists of two parts: interest for the use of money and part of the principal debt. At any time, the entire amount of the debt can be transferred to the bank without any penalties.

Which bank to get a loan to buy a new apartment

Is it possible to solve the housing problem with the help of a loan? FINANCE.TUT.BY and the developer A-100 Development found out what loans banks offer for the purchase of real estate and how much they will have to pay.

Real estate loans are similar to car loans in terms of terms and conditions. Here, too, you will need your own participation in the purchase and provision. Own participation depends on the conditions of a particular bank and usually does not exceed 30%. As insurance, the bank may ask for collateral and surety.

Home loans now have the longest maximum term. The client can count on 15-20 years to repay the loan. At the same time, the maximum term for consumer loans is most often 5 years, and for loans to buy a car - 7 years.

There are also differences in interest rates. Real estate loans will be cheaper than others - 12-14% in the bulk instead of 13-18% for consumer loans.

bank, credit

Rate, maximum amount, maximum term

Percentage of own participation, security

Belarusbank ,

first 2 years - 11% , after 14%

10%, up to 50,000 rubles:

over 50,000 rubles:

For the construction and purchase of apartments in the LCD "Novaya Borovaya", "Zeleniy Bor" there are special conditions - 5.5% per annum.
Send an application for an apartment from A-100 Development

Bank BelVEB ,
"Sweet Mayomasts"

13% , up to 100,000 rubles, up to 20 years

Belagroprombank ,

first 2 years - 11% , after 14% , up to 150,000 rubles, up to 20 years

Belarusbank ,

12% , the amount is limited by solvency, up to 20 years

25%, up to 50,000 rubles:

suretyship, pledge and other methods provided for by the legislation of the Republic of Belarus, except for a penalty and insurance of the risk of non-repayment of a loan

over 50,000 rubles:

suretyship and pledge (mortgage) of residential premises under construction

Belgazprombank ,
"Housewarming Coming Soon"

13,9% , the amount is limited by solvency, up to 20 years

Belinvestbank ,

14,69%

BPS-Sberbank ,
"Housewarming"

first 2 years - 14% , after 13,5%

Paritetbank ,
"Your Property"

15,5% , up to 100,000 rubles, up to 15 years

Priorbank ,
"Friendly family"

10% - first year, then 14%

Priorbank ,
purchase under surety

10% - first year, then 14%

Priorbank ,

10% - first year, then 14% , up to 108 000 EUR equivalent, up to 15 years

20%, real estate pledge

francabank,

16%

bank, credit

Rate, maximum amount, maximum term,
percentage of own participation, security

Belarusbank ,
loan for the purchase and construction of housing

first 2 years - 11% , after 14% , the amount is limited by solvency, up to 20 years

10%, up to 50,000 rubles:

suretyship, pledge and other methods provided for by the legislation of the Republic of Belarus, except for a penalty and insurance of the risk of non-repayment of a loan

over 50,000 rubles:

suretyship and pledge (mortgage) of residential premises under construction

Bank BelVEB ,
"Sweet Mayomasts"

13% , up to 100,000 rubles, up to 20 years

20%, when lending up to 60% of the cost - 1-2 guarantors or a pledge, above 60% of the cost - 2 guarantors and a pledge of acquired property

Belagroprombank ,
loan for the purchase of housing, housing bonds or construction

first 2 years - 11% , after 14% , up to 150,000 rubles, up to 20 years

10%, 2 guarantors and (or) pledge of acquired property

Belarusbank ,
loan for the purchase (construction) of housing under the system of construction savings

12% , the amount is limited by solvency, up to 20 years

25%, up to 50,000 rubles:

suretyship, pledge and other methods provided for by the legislation of the Republic of Belarus, except for a penalty and insurance of the risk of non-repayment of a loan

over 50,000 rubles:

suretyship and pledge (mortgage) of residential premises under construction

Belgazprombank ,
"Housewarming Coming Soon"

13,9% , the amount is limited by solvency, up to 20 years

minimum 20%, pledge of acquired property and guarantee (if necessary)

Belinvestbank ,
loan for the purchase (construction) of residential real estate

14,69% (there is an opportunity to lower it with additional security), the amount is limited by solvency, up to 20 years

surety (it is possible to add other ways and thereby lower the rate)

BPS-Sberbank ,
"Housewarming"

first 2 years - 12% , after 14% (with insurance - reduced by 0.5%), up to 150,000 USD equivalent, up to 20 years

10-30% (depending on security), guarantee or pledge of property or property rights / security deposit

Paritetbank ,
"Your Property"

15,5% , up to 100,000 rubles, up to 15 years

at least 30%, up to 15,000 rubles. - penalty; up to 50,000 rubles - guarantee of natural persons; up to 100,000 rubles - pledge

Priorbank ,
"Friendly family"

10% - first year, then 14% , up to 108 000 EUR equivalent, up to 15 years

20%, pledge of real estate, guarantee of close relatives

Priorbank ,
purchase under surety

10% - first year, then 14% , up to 21 000 EUR equivalent, up to 15 years

20%, guarantee of spouse, relatives or reliable friends

Priorbank ,
purchase (construction) on bail

10% - first year, then 14% , up to 108 000 EUR equivalent, up to 15 years

20%, real estate pledge

francabank,
loan for the purchase of residential premises

16% , up to 100,000 rubles, up to 15 years

from 10,000 to 25,000 rubles - forfeit, surety and (or) pledge of the acquired residential premises

from 25,000 rubles and in the amount of more than 50% of the cost of the acquired residential premises - 2 guarantors and a pledge of the purchased residential premises

from 25,000 rubles and with a loan amount below 50% of the cost of the dwelling - a pledge of the purchased dwelling

What are the current conditions?

• Interest rates on real estate loans now range from 12 to 16%, with the bulk of rates leaving 13-14%.
• Belagroprombank, Belarusbank, BPS-Sberbank, Priorbank reduce the main interest rate in the first years. For example, Priorbank reduces the rate to 10% in the first year, while the main rate is 14%.
• Banks are ready to offer loans for up to 20 years. Exception: Priorbank, Paritetbank and Francabank, which offer a term of 15 years.
• Own participation is now 10-30%. At the same time, the smallest percentage of participation is requested by Belarusbank, Belagroprombank, Belinvestbank and BPS-Sberbank - 10%.

How much will you have to pay?

Suppose you do not have enough to buy an apartment 20 thousand dollars (conditionally - 40 thousand Belarusian rubles). We calculated payments and overpayments using the example of a loan from BelVEB Bank (the lowest basic interest rate).

The maximum monthly payment for such a loan for a period of 20 years will be approximately 600 rubles, and the total overpayment will be about 52,216 rubles (if everything is repaid on time and on schedule).

Choose a suitable loan in Belarusian banks:

Project partner:

A-100 Development group of companies has been successfully operating in the real estate market of Belarus for 12 years. Now the company offers special conditions for the purchase of finished apartments in the residential areas "Novaya Borovaya" and "Zeleniy Bor" - 5.5% per annum, which is the lowest rate on the Belarusian market.

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JSC "ASB Belarusbank" provides a wide range of financial services to individuals and legal entities. One of the most popular areas is the provision of loans to various categories of the population in accordance with their needs. Specialists carefully study the current situation on the market and try to offer services on the most favorable terms. After reviewing the full list of existing lending opportunities, each client will be able to choose the best option.

Consumer loans

One of the most demanded products of Belarusbank is loans for consumer needs. They are characterized by ease of design and a minimum set of requirements, which increases their accessibility for all segments of the population. The main purpose is the purchase of goods or services for personal use. They can be obtained by every citizen who meets the conditions.

Consumer loan for any purpose

A consumer loan in Belarusbank is distinguished by soft requirements - the absence of guarantors and the need to confirm income (up to 490 Belarusian rubles). The maximum amount that can be obtained for this type of lending is 8 thousand Belarusian rubles. rubles.

The interest rate depends on the time during which the client will use borrowed money. The loan calculator of Belarusbank allows you to pre-calculate the amount of the monthly payment, taking into account current income. Funds can be received both in cash and non-cash.

To take a loan from Belarusbank for consumer needs, you must provide a basic package of documents, which includes:

• Copy of the passport;
• Consent to the provision of a loan report and the processing of personal data;
• If necessary, proof of income.

Persons carrying out entrepreneurial activities must provide:

• Copies of the certificate of registration, if any, then the license;
• income data;
• If an individual entrepreneur opened an account, then you need an extract on the receipt and withdrawal of funds for 3 months. When working without opening an account, you must provide a tax return;
• Single tax payers need an extract on the tax payments made.

An application for receiving a payment is made on the official portal on the Internet or at the office of Belarusbank.

"Successful upgrade" to 7 years

This type is issued in 2 cases:

• To repay other loans provided by banks of the Republic of Belarus for personal needs;
• To pay off a debt on a loan received from Belarusbank.

This program is issued without guarantors for up to 7 years. The amount that can be obtained for this type of loan corresponds to the amount of debt. A citizen can receive additional funds that exceed the balance of another loan if he is able to repay payments on time. In this case, proof of income must be provided.

Confirmation of solvency is not required when receiving an amount up to 20 base units. The client can apply for any amount without a document from the place of work, if he already receives a salary or pension at the branches of Belarusbank.

The following conditions must be met for an application to be approved:

• A loan requiring cash to be repaid must be registered in the name of the applicant;
• Absence of the current delay and the presence of no more than 2 violations of the terms of payment;
• At least 2 payments have been made to repay the principal debt;
• More than 90 calendar days remain until the end of the debt term.

Applications are made online or at bank offices.

Loan "Tested by time"

This program involves the use of an international credit card, which has a renewable limit. Its advantage is the minimum set of documents. A loan can be obtained by every client of Belarusbank who receives a salary through it and has not yet reached the age of 57.

Citizens with both good and bad credit history can use the service. But the first group receives a lower interest rate.

The term of the credit card is 3 years. After this time, it needs to be reissued. The amount of money provided to the applicant depends on his solvency. The Belarusbank loan calculator allows you to calculate monthly payments, taking into account all the nuances.

This type of loan is available for the following categories of people:

• Citizens of the Republic of Belarus;
• Foreign citizens;
• Persons without citizenship.

When applying, you need to provide a basic package of documents.

Includes 2 programs:

• To buy a new car;
• For the purchase of Geely from the dealers of SZAO BELGI.

The first offer allows you to receive funds without initial capital at a low interest rate. The maximum term is 7 years. A 6 month deferment is possible.

The amount of the payment depends on the financial situation of the borrower. The method of securing obligations is a guarantee.

The second program provides a low interest rate for the first 2 or 3 years. The loan amount is determined in a similar way. But it can be increased by adding the income of the guarantor. Term - up to 7 years.

Both programs require the submission of the same set of documents, which includes a basic set, a registered copy of a vehicle purchase agreement or a reference invoice.

You can leave an application for receipt only at the branches of Belarusbank.

This is the most convenient type of lending with relaxed requirements. Without visiting the office of Belarusbank, you can get loans of 2 types:

• "Internet cashless".

Disbursement of funds under both programs is carried out in a non-cash way. Guarantors are not needed. Any client of Belarusbank who owns a plastic card and uses the Internet banking system can apply.

Term - up to 3 years, maximum amount - up to 10 thousand Belarusian rubles. rubles. The exact figure depends on the solvency of the citizen. The method of securing obligations is a penalty.

The interest rate for the first program is 0.01% per annum, for the second it depends on the term. Members of the "Carte Blanche" club receive more favorable conditions. The list of partner stores where the “Installment without overpayments” offer is valid is presented on the official portal of Belarusbank.

Credit for the purchase of goods or services

This type involves the provision of funds on the basis of agreements with partner companies that sell goods or provide services.

Includes 4 programs:

None of them require proof of income or guarantors. A supporting document is required only when receiving a credit card. Debt repayment is carried out in equal installments. In addition to the basic package of documents, it is necessary to provide contracts and invoices. The list of partners is presented on the official portal of Belarusbank.

Consideration of the application within the framework of the first proposal is carried out within 1 hour. The term depends on the agreements with the partner organization, but no more than 3 years.

The term, amount and interest rate under the loan offer "Partner" is determined by the agreement.

The term of the loan provided under the agreements concluded with organizations is 1.5 years. A calculator will help you calculate a loan in Belarusbank for consumer needs. It takes into account almost all the nuances, including credit history, which allows you to get the most reliable result.

Youth loans

For young people under the age of 31, Belarusbank is ready to offer 2 programs:

Interest under the first offer is calculated at a reduced rate during the first month. The transfer of money is made by issuing a credit card. The maximum amount is no more than 5 thousand Belarusian rubles. rubles, the term is up to 5 years. The borrowers are young families with a child. A birth certificate must be added to the basic package of documents.

The second sentence is not much different from the first. Exception - the maximum amount is 200 basic units, the possibility of securing a loan with a forfeit with a good history of loans, no need to have children.

It is provided to pay for the first training of the client in secondary specialized or higher educational institutions, provided that it will be held in full-time form.

The calculation is carried out by transferring funds to the account of the educational institution. The amount of the payment is equal to the annual cost. Any means, except for insurance and forfeit, act as collateral. Interest is charged at a low rate. The borrower is obliged to repay interest starting from the next month after receipt, and the total amount - within 5 years after the completion of the educational process at a university and 3 years at an institution of secondary specialized education.

A certificate stating that the education received is the first, a copy of the contract with the educational institution, a certificate of income for the past 3 months are added to the basic package of documents.

This program is the best loan for pensioners in Belarusbank. It applies to all people receiving a pension, regardless of their actual age. The maximum amount is 150 base units. The borrower receives a credit card. The maximum term is 3 years.

The Time to Live program is notable for its economical interest rate. Cardholders of Belarusbank receive even more favorable conditions.

You can leave an application at any office of the bank or on its official resource on the Internet. To do this, you need to prepare a basic package of documents and an extract on the amount of the pension for the past 3 months. Obligations are secured by any permitted means, except for penalties and risk insurance.

Belarusbank provides loans to the population to meet various needs related to the acquisition, construction and repair of housing. Each program provides for specific cases, which allows you to choose the most suitable option with the most favorable conditions. Belarusbank home loan is one of the most popular products that citizens often use to improve the quality of life.

Lucky Upgrade Credit

It is provided to clients who have previously received funds from the banks of the Republic of Belarus for the purchase of real estate.

The loan amount is determined by the solvency of the applicant, but not more than the amount necessary to repay the debt. Credit obligations are secured by all permitted methods, except for a penalty and risk insurance.

To receive a loan, you must meet the following requirements:

• The applicant is personally a party to the contract;
• Credit must be used in full;
• No delay or non-compliance with payment terms. It is allowed to have 2 violations;
• The client has already made at least 2 payments;
• Loan term exceeds 3 months.

When making an application, in addition to the basic set of documents, you must provide an extract on a previously taken loan containing basic information.

"Mortgage with us"

This is an affiliate program of Belarusbank and Dana Holdings, a large construction company in Belarus. With this offer you can pay up to 90% of the cost of housing. The term is up to 20 years.

Interest is divided into 2 periods. A special calculator located on the official website in the "Credits and Leasing" section will help you calculate a loan in Belarusbank.

The method of securing obligations depends on the amount of the payment. If it exceeds 100 thousand Bel. rubles, then it is necessary to provide a pledge of the acquired housing.

Payment of the main debt is carried out monthly, and accrued interest - for the real period of use.

When applying, you must provide a document from the company, indicating the right to receive funds under this offer.

A loan for the construction or reconstruction of a residential building with the use of a subsidy for its repayment

You can use this program after a decision is made by the relevant authority to provide financial assistance to the population in paying off a certain part of the accrued interest. The loan agreement must be concluded before the building is used for its intended purpose.

The amount of the loan is determined by the cost of housing and the financial capabilities of the client. Consolidation of family income is possible. The maximum term is 20 years. The transfer of funds is carried out by crediting to the account of the organization. The list of citizens who are entitled to receive financial assistance can be found on the official website of Belarusbank.

When applying, you must provide a basic package of documents and a certificate confirming the provision of a subsidy.

Construction loan

Belarusbank loan for housing construction allows you to purchase funds for the implementation of the corresponding goal. The term of the grant is up to 20 years. You can cover up to 90% of the cost with a loan. The specific figure depends on the financial capabilities of the client. With their lack, it is possible to combine the income of the family and close relatives. Interest is accrued in accordance with the refinancing rate of the National Bank of the Republic of Belarus + 3 p.p.

To apply, you must provide a basic package of documents. In addition, some other papers are needed, the list of which depends on the method of construction.

This program allows you to purchase funds for the purchase of a housing stock or an allocated share in it. The maximum term is 20 years. The amount depends on the solvency of the client and the value of real estate, but not more than 90%. You can calculate a loan for the purchase of Belarusbank housing using a calculator.

If the applicant does not have sufficient income, then it is possible to pool all the funds received by the family and close relatives. When registering, you need to provide a basic package of documents and attach a contract of sale to it.

This offer is designed for participants in the building savings system, which consists of 2 stages. Initially, people save their own money by choosing a suitable Belarusbank program.

The second stage involves receiving the missing amount from the bank on favorable terms. The advantages of this program include:

• The possibility of transferring rights to other persons. For example, from parents to children;
• Interest is repaid in equal installments;
• A loan can be obtained by any citizen, regardless of current housing conditions.

The amount can be up to 75% of the total value of real estate, the term is up to 20 years. The possibility of obtaining a loan appears immediately after the end of the program for the accumulation of funds.
When applying, you need to provide a basic package of documents and housing savings agreement data that allow you to determine the loan amount. In addition, additional information is required, the set of which depends on the method of construction.

This program is identical to the previous one. But the purpose of obtaining funds is not construction, but the purchase of finished residential premises. The offer has the same benefits and conditions.

When applying, you must provide a basic package of documents and a contract of sale.

An overdraft is a type of short-term loan. It can be obtained by the holder of a debit card, which is used for payroll, benefits, scholarships and other payments established by law.

The main goal is to receive the missing funds when making any payment. The client determines the amount himself. A suitable loan program is selected taking into account the current needs of the borrower.

Leasing services are available to individuals for the following purchases:

• Vehicle;
• Items used for a long period of time;
• real estate;
• Goods included in joint programs.

Lease payments are calculated using the leasing calculator.

Payment of all loans can be carried out in various ways, choosing the most convenient. However, many users ask the question: “How to pay a Belarusbank loan through ERIP?”. To do this is extremely simple:

• Insert a payment card into the infokiosk;
• Enter PIN code;
• Select the category "Payments";
• Click on the button "Payment of loans" and go to the appropriate category.

After that, it remains to enter the required data, complete the operation and take the check.

Currently, many people dream of moving out of the noisy metropolis outside the city, closer to nature, or simply having a dacha where they can come for a weekend of cultural recreation, and Belarusian citizens are no exception. Therefore, enterprising banks began to offer loans for housing construction in Belarus. Consider the main proposals and subtleties of choosing suitable lending programs.

How is the situation with lending for the construction of houses in Belarus

Belarus is an agrarian country, so all government efforts are aimed at reviving and stabilizing the agricultural sector. In this regard, citizens build houses and receive not only profitable loan products, but also state subsidies intended for certain categories of Belarusians. But it often happens that a person or family cannot competently approach the choice of a loan program. They are conducted only for low interest or for a minimum package of documents. In this regard, it is necessary to compare all offers and make the best choice.

How to get a loan for housing construction in Belarus

The housing problem in this country today is one of the most pressing issues, and in practice the possibility of its independent solution is limited. The excessively high cost of real estate objects is simply incomparable with the low level of salaries of the average employees of public and private enterprises. Therefore, buying a home in a short time is akin to fantasy.

The Government of the Republic annually makes adjustments and improvements to the legislation, and all of them are aimed at improving the conditions under which loans are granted. In the context of the economic crisis, this is problematic, but the policy is aimed at improving the living conditions of all citizens. There are many banks in Belarus, and almost every one of them is ready to offer optimal lending conditions. They will be studied further.

Key conditions for obtaining a loan in Belarus

Building a home from scratch, especially building a private house on credit in Belarus, is the best way to resolve the issue. If only because a new residential property will always be liquid, and this is an additional guarantee for the bank. Here are the requirements you can count on when applying to Belarusian banking organizations for a loan to build your own house:

• rate - 10-37% (depending on various factors);
• guarantee;
• collateral is required;
• the period of granting is on average 20 years;
• entry fee (10-30% of the loan).

Of course, each bank has a list of additional conditions on the basis of which credit funds are provided. In addition, it is worth paying attention to several factors - the solvency of the loan recipient, age, amount and lending program. Depending on them, the general conditions for granting loans may vary in different banking organizations.

List of documents to be provided

Every year, such loans are in increasing demand among the population, as they represent a real opportunity to build your dream home. In this regard, banks are constantly simplifying the conditions for obtaining loans, thereby motivating citizens to apply for loans. Here is a simplified set of elements that you need to provide in order to acquire finance:

• loan application;
• a completed questionnaire indicating personal data (it is important that all of them are filled out reliably);
• the project of a residential building that you are going to build;
• data on collateral;
• confirmations from guarantors;
• passport and supporting document if necessary;
• certificate from the place of work, indicating the level of income (it must be filled out in the form of 2-NDFL or in the form of a banking organization).

The form of filling in these data is established by the internal procedure of an organization. For detailed information, you should contact an employee of the selected financial institution.

The best offers from banks for loans for building a house

There are a large number of banking organizations in Belarus offering optimal lending conditions for all categories of citizens. Consider a list of conditions and options for repaying a loan.

Priorbank

This is one of the leading commercial banks in Belarus, offering loans for various purposes and needs. The advantages of real estate construction loans from this organization are as follows:

• the possibility of granting a deferment;
• no need for registration;
• taking into account total income;
• prompt consideration of the application;
• many convenient repayment options.

The main loan program "Friendly family" and "Construction of housing on bail". Let's consider these programs in accordance with their names.

1. The amount is 4,500 to 108,000 euros (when considered in equivalent terms).
2. In both cases, payments decrease over time.
3. A pledge of real estate is provided, and the guarantee is provided for by the program "Friendly family" with regard to target credit "Construction on bail" guarantors may or may not exist.
4. A mandatory item is the conclusion of an appropriate policy with the insurance company. Life insurance is optional, but the bank most often insists on it due to high risks.
5. The average loan term in a bank is 5, 10, 15 years.
6. The interest rate is 10% during the first year of the loan, and then it rises to 14% for the remaining period of the loan.

If we take into account all the conditions, we can say that the bank provides favorable lending conditions. This is manifested in absolutely all aspects of obtaining loans.

BELARUSBANK

JSC "ASB BELARUSBANK" is one of the leading credit institutions of the country. Its main goal is to provide as many citizens as possible with profitable loans for various purposes, the construction of residential property is no exception. The advantages of obtaining a loan from this banking organization are obvious:

• the presence of a large number of options for convenient loan repayment (information kiosks, Internet banking, terminals, offices, automatic payment system);
• the possibility of early repayment of the loan without accruing penalties and interest;
• if a citizen receives a pension or salary in this organization, he does not need to bring a certificate of income when applying for a loan.

Conditions to be met in order to receive a loan:

1. Interest rate. It changes over the life of the loan. That is, during the first 24 months, its size is equal to the refinancing rate adopted by the national bank. And from the 25th month. it goes up by 3 points.
2. Loan term. Practice shows that most often people take a loan up to 20 years.
3. The loan amount varies depending on the solvency of the recipient and is up to 90% of the cost of construction activities.
4. Collateral also plays an important role and involves surety, collateral, loan insurance.

Here is a list of conditions that must be met in order to obtain a loan on favorable terms. Try to remember them.

BELAGROPROMBANK

This is the leading financial institution in the country, providing loans for various needs. Judging by the name, one can guess that the purpose of the organization is to assist the state in the development of the agricultural sector. This only means that borrowers can count on the most favorable lending conditions for housing construction. Here are a few features that this organization implies:

• the interest rate for using a loan is variable and may change in accordance with fluctuations in the refinancing rate within the framework of the Central Bank. In the first two years it will be 11%, from the 3rd - 14%;
• debt repayment is carried out monthly in accordance with the actual daily balance of the debt obligation on the loan;
• repayment occurs in annuities (equal payments), the bank has the opportunity to provide a deferment for a total period of up to one and a half years;
• the currency in which the funds are provided is bel. rubles;
• necessarily there is a registration of contractual relations on collateral and surety security of the loan;
• the maximum loan amount cannot be more than 150,000 Belarusian rubles, and it must not exceed 90% of the approximate cost of the work;
• repayment of the debt can take place in cash or non-cash form;
• the term of the loan is up to 20 years, early repayment is possible;
• two or more individuals must be selected as guarantors, and a pledge must also be provided.

Here are a few basic requirements on the basis of which you can profitably get a loan:

• reaching adulthood;
• registration at the place of residence;
• availability of official income;
• no debts and negative credit history.

So, we have considered how to get a loan for the construction of a private house in Belarus. This is quite simple to do if you comply with the conditions offered by banking organizations and meet all their requirements. It is also important to choose the right program that meets your wishes and preferences. We have reviewed the most popular offers from leading Belarusian banks.

A loan for housing construction in Belarusbank in 2020 is offered on favorable terms, which you need to familiarize yourself with in advance when contacting the bank.

What are the conditions for lending in Belarusbank, what are the requirements for borrowers, the necessary documents and benefits - in more detail later in the article.

Conditions for a loan for housing construction in Belarusbank

Providing a loan for housing construction in Belarusbank implies following conditions which are presented in the table.

What is provided	Term, years	Annual interest rate, % / Payment %	Loan amount	Security
Construction of premises intended for housing through the purchase of housing bonds	up to 20	13.5 (3 percentage points + refinancing rate of the National Bank of the Republic of Belarus - 10.5%) / Upon use of the loan	The nominal value of housing bonds is covered up to 90%, taking into account the solvency of the client (income of guarantors may be taken into account).	More than 100,000 rubles - a pledge (mortgage) of the premises under construction and a guarantee.
Construction or reconstruction of individual apartments and houses	up to 20		The cost of reconstruction or construction is covered up to 90%, taking into account the solvency of the client (income of guarantors may be taken into account). For a family with three or more minor children, up to 95% is covered.	Up to 100,000 rubles - pledge, surety, etc. More than 100,000 rubles - a pledge (mortgage) of a residential building that is being reconstructed or built.

It should also be taken into account that the interest rate of the loan is floating, that is, when changing refinancing rate of the National Bank of the Republic of Belarus (10.5%), general rate for the use of borrowed funds can change.

In case of a loan for the construction of premises intended for housing through the purchase of housing bonds, the repayment of the loan body must be carried out at the end of 18 months. (when a residential building is put into use after construction), the next month, but no later than three years from the date of execution of the loan agreement.

Repayment of the body of the loan for the construction or reconstruction of individual apartments and residential buildings should be carried out:

1. With the intended use of loans in residential buildings that have many apartments, then at the end of 18 months. (when putting the object into use after construction or reconstruction), next month, but no later than three years from the date of conclusion of the loan agreement.
2. With the intended use of borrowed funds in single-family houses/ premises in blocked houses intended for habitation, then at the end of 18 months(when putting the object into use after construction or reconstruction), for the next month, but not later than four years from the date of conclusion of the contract.

Requirements for borrowers in 2020

Belarusbank defines the following requirements to borrowers:

• The borrower (guarantor) must be legally capable.
• permanent residence within the Republic of Belarus.
• Belarusian citizen/foreigner/stateless person.
• solvency, which permanent income.

List of documents for a home construction loan

To obtain a loan for the construction of a house in Belarusbank, you need to provide certain documents, namely:

1. Passport (a copy is provided, but the original is also presented). If there are guarantors, then their passport is provided in the same manner.
2. Paper with consent of the borrower and the guarantor to check their data by Belarusbank, to provide information from the National Bank of the Republic of Belarus.
3. Client income statement for the purpose of obtaining a loan, issuing a guarantee. Please note that these certificates are valid for 30 days. Also, it can be provided statement for the last 3 months from the account if the borrower/guarantor receives a salary from Belarusbank.
4. Report of the Credit Register of the National Bank of the Republic of Belarus.

For IP

Additional list

Credit calculator

In addition to the maximum loan amount, you can calculate the amount of income required to obtain a loan by entering the desired amount and deductions in the calculator. The program will give you the amount you need to have as your income for 1 month, on average.

How to get a loan for housing construction in Belarusbank?

To receive a loan for the construction of housing in Belarusbank must visit concessional and mortgage lending service, namely:

• At the place of housing construction (when living in Mogilev, Gomel, etc.).
• At the place of residence and registration at the Mortgage office (if living in the city of Minsk).

Preferential loans for the needy

Preferential loans of Belarusbank for housing construction are provided to borrowers if they are listed to receive preferential credit funds on the basis of the Decree of the head of state.

Benefits of a loan from Belarusbank

A loan for housing construction in Belarusbank has certain benefits, namely:

1. Commissions are not charged when repaying a loan early.
2. Repayment methods quite diverse - Online banking, information kiosks. You can also set up auto payment.
3. income statement may not be provided when receiving a pension or salary in Bealrusbank.