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Real Estate Features of purchase of the land lot on credit
Real Estate Features of purchase of the land lot on credit
| Features of purchase of the land lot on credit |
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Before to embody treasured dream of own country house, it is necessary to purchase a suitable plot. If money for its acquisition at you insufficiently, it is possible to take the credit. Banks equate today earth crediting to hypothecary loans, but to borrowers make special demands. «The credit can be received only on purchase of a plot with designated purpose under building and gardening, – the director of the company Factory of the finance warns Anastas Semenets. – and the area of a garden plot should not exceed 24 hundred parts». According to Vladimir Pajuka, financial analyst of company Prostobank Consulting, it is important not only designated purpose, but also a plot arrangement. Metropolitan bankers, as a rule, credit the earth in radius no more than 50 km from Kiev. The bank security service will necessarily check up правоустанавливающие documents on the earth and reputation of the seller. The slightest doubts can pour out in failure to the borrower. Besides, each bank leads the file of problem plots. «Because of specificity of work of bodies of the local authority the seller sometimes has difficulties at the tax of the documents required by bank», – Svetlana Matvienko, the deputy director of the company tells the Pro-contract. To be reassured, it can oblige to issue on one of employees of bank the power of attorney on state certificate reception on the earth. The credit expert will necessarily want to examine a plot.« The bank will help not only to state accurately earth cost, but also will evaluate its investment appeal », – Dmitry Buts, the director of department of mortgage credit lending of Praveks-bank approves. As a rule, on object the manager leaves together with the employee of the estimated company accredited at bank. Also it is necessary to be ready to considerable additional charges. For credit registration will take from 0,99 % to 2 % from its sum. The obligatory insurance will manage in 0,3-1 %. On shoulders of the borrower the fee of the notary, payment of departure to the place of experts of bank, service of the appraiser and the other commissions will lay down also. To standard documents will require to add the state certificate about the property right to a plot, inquiry office of technical inventory about absence of constructions, the report of the independent expert on a price of land and the inquiry on its standard cost. Also inquiries on absence of debts under the land charges and restrictions in plot use will be necessary for you.
Terms of credit |