Money for Perestroika: Where do they give a loan for apartment repairs?
If you decide to speed up the procedure of transformationtheir living space, then to the aid come targeted credit programs with financing repairs. Their distinctive feature is the requirement to attract professionals - to pay cash with a brigade of guest workers at the expense of borrowed funds will not work. In which bank is it better to take out a loan for apartment repairs, and where are the most suitable conditions for converting your family nest?
Half a million from the bank "Orient Express"
This bank is ready to provide an amount up to 500 000rubles for 1-5 years to improve the quality of life - repair an apartment or a house. "Orient Express" will contribute to the renovation of your home for a fee of 23.5% per annum if you are a regular customer, and from 26% per year, if you came to the bank for the first time. A loan for the repair of apartments is issued without attraction of guarantors or registration of a pledge.
The decision to issue the said financial organization takes 5 minutes, and for registration you need a general passport and one of the documents for real estate:
- certificate of ownership;
- privatization contract;
- contract of sale;
- will;
- the court's decision;
- contract of hiring of official housing.
The age limit is from 21 yearsup to 65 years, but to younger generation representatives - up to 26 years - the requirements are tougher: in order to apply for a loan to repair apartments here, they will have to prove their own solvency and confirm their employment.
Arrangement of the apartment "turnkey" from "KreditEvropanka"
This consumer loan is available for repairapartments to citizens of the Russian Federation from the age of 21, and women can take money from the age of 20 when paying 10% of the expenses out of their own pocket. In order to approve the application, besides the passport, it is necessary to present additional documents, including a certificate of income and a certified copy of the work book.
You can take up to a million rubles for up to 5 years. Terms of borrowing and the cost of funds are determined depending on the chosen loan program. You can make an instant loan for 3-12 months at 21.5-30.3% per annum or a standard loan for two years and at 17%. Or for 5 years at 23-25% per year under the program "Simple choice".
Overhaul housing with the bank "Rus"
There are own programs in regionalbanks. So, "Rus" provides money for the overhaul of a dwelling or for the completion of a country house and its finish. The mortgage on the loan is a renovated apartment or an object of unfinished construction, and subsequently the private house itself.
Get a mortgage for apartment repairsmay residents of the Orenburg region in the amount of no more than 60-70% of the estimated value of the property - ranging from 100 thousand to 1 million rubles. The term of repayment of borrowed funds can reach 7 years. The interest rate on the loan is from 13 to 25% per annum.
On the said consumer loan for repairsapartments can be claimed not only by employees at the age of 21, but also pensioners, budget employees, individual entrepreneurs and self-employed individuals - notaries and lawyers, which banks usually do not really like. The list of required documents includes not only securities that confirm the stable financial state of the client, but also a package of securities for registration of the mortgage agreement. In addition, it is necessary to insure the subject of the pledge, and if desired, you can draw up a personal insurance policy or attract a guarantor to reduce the rate.
As you can see, the options regarding how, andwhere to take a loan for repairing an apartment in the domestic market of banking products - a lot, so you can find a suitable solution without much effort, you just need to carefully read all the proposals.
