Lending terms
Required documents
1. Passport;
2. Certificate of land / Extract from the USRR;
3. SNILS / Driver's license;
4. With an amount over 1,000,000 rubles. (one additional document at the choice of the client):
- 2NDFL
- Help in the form of a bank
- Copy of work book
- Extract from the FIU (for non-working pensioners)
CB Renaissance Credit (LLC), one of the leading banks in the consumer lending sector in Russia, offers individuals consumer loans, bank cards, deposits and other services.
Founded in 2003, Renaissance Credit is one of the TOP-50 largest Russian banks and works with 12 million clients in Russia. The geography of activity of "Renaissance Credit" covers 62 regions of Russia.
Licenses of the Bank of Russia for implementation banking operations № 3354.
Website "Renaissance Credit" - rencredit.ru
Lending terms
Requirements for borrowers
- Citizenship of the Russian Federation;
- Age from 20 years;
- Permanent place of work for at least 3 months;
- Permanent registration in any region of the Russian Federation.
Required documents
- Passport of the Russian Federation;
- One additional document at the client's choice: SNILS, Driver's license, 2NDFL, international passport, copy of work book, extract from the Pension Fund (for non-working pensioners) with a loan amount of more than 250,000 rubles
Post Bank is a universal retail bank,
created in 2016 by VTB Group and Federal State Unitary Enterprise Russian Post on the basis of Leto Bank.
Lending terms
Requirements for borrowers
- Age from 18 years old
- Availability mobile phone; an indication of a work phone number if you are working, or another contact phone number
Required documents
- Passport of a citizen of Russia with permanent registration in any subject of Russia
- SNILS number
- TIN of the employer
How to get a home loan
On the website of our company you can buy a house on credit. We are well aware that not every person can raise the right amount of money at once. Therefore, such a convenient condition was created, helping to purchase housing in the most profitable way with the help of Credit Europe Bank JSC. The financial institution is reliable and offers quality work, which is confirmed by international agencies. There is a huge network in Russia. To get the most detailed and extended information, you can ask any questions to our consultants.
Construction of a house from a bar and wooden frame costs owners less than brick and monolithic houses. And yet, buying a house from a bar on credit can be a profitable solution if the customer is interested in the quick construction of the building. If you combine a turnkey project of a house made of timber and apply for a loan, in the end you will receive a quality guarantee, exact construction time and no additional costs.
You can build a house on credit from the Svarog company in the amount of up to 5,000,000 rubles and for up to 7 years. Unlike a mortgage, you can buy a frame house on credit without collateral, and arrange it faster.
| Bank's name | Requirements, conditions and documents |
| Requirements for the borrower:
|
Home construction loan from 13.4%.
Credit term - up to 7 years old.
Sum - up to 5000000 rubles.
Conditions for obtaining a loan. Who can buy a frame house on credit?
Banks-partners of the company "Svarog" offer conditions for consumer credit for construction frame houses and houses from a bar, without resorting to the services mortgage lending. And unlike mortgages, targeted loan for a turnkey frame house gives you the right to dispose of the property as you like. 22
The conditions for obtaining a loan are as follows:
- You need to have Russian citizenship;
- register in the region where the bank's representative office is located;
- Your income must be constant, with a total work experience of at least 2 years and at the same time at least six months of continuous work experience;
- when repaying the loan, you must be at least 21 and not more than 68 years old;
Partners of "Svarog" do not overestimate lending rates, however, it should be remembered that consumer and mortgage lending rates are different. Therefore, you can buy a house project from a bar on credit along with your life insurance at 13.4% with a deposit and at 14.4% without it. In the event that you refuse insurance, you will need to pay an additional 3% of the amount.
Why is it a smart decision to get a loan for a frame house?
Building a house on credit is not always an expensive and lengthy process, both when building frame houses on your own, and when building frame houses through companies, and even when buying a house from a bar on credit. The budget, as well as time, cannot be unlimited, so people with limited finances are forced to postpone completion dates, ask construction companies for a delay, take loans from third-party companies ... And often such decisions lead to a construction freeze and a complete lack of money.
A loan for the construction of a turnkey house is really a good way out of the situation, but not every construction company works on such conditions. Legally, this is a more complex process of concluding a contract than simply concluding a work contract. The contractor does not receive money for his work immediately and there simply may not be funds for the construction of the building.
"Svarog" is already cooperating with several banks and has the material and technical base for the production of work, so buying a frame house on credit and building it on a turnkey basis with us is a solution to two problems in one moment!
Everyone who wants to have a country house made of timber should be aware that one desire is not enough, you need to draw up a project and find performers who will help to realize all the dreams and fantasies of the developer in the finished object. As a material, timber is popular among developers. Only experience and professionalism are the key to the durability of the structure being built. But the most important condition for the realization of the desire to buy such a property is the presence Money. If the desire does not coincide with the possibilities, then everyone has a real chance to purchase log houses on credit favorable interest. On the one hand, the opportunity to get a loan makes it possible for people with low incomes to purchase housing. However, the sale of housing on credit allows construction companies increase the implementation of the objects under construction.
Company Retail Credit Systems
Together with the company Retail Credit Systems and leading banks, we offer our potential customers the opportunity to build wooden houses from timber, baths, frame houses and log cabins on credit
Now you can purchase our products on credit:- Without certificates, having only a passport (citizenship of the Russian Federation)
- OK loan application in 1 hour
- Without going to the bank
- Loan up to 5 years and up to 2,000,000 rubles
Loan Approval Procedure
1. Choose the product you want to build and inform our employee (by phone call or e-mail) that you want to order construction on credit.
2. Agree on the cost of the order and the size down payment. Our employee will send an application for a loan to partner banks.
3. Within 1 hour you will be informed of the result of the loan application.
4. If approved by several banks, the loan manager will help you choose the most advantageous loan program. You tell us at what time and place it will be convenient for the courier to arrive to sign the loan agreement.
5. A courier arrives and you sign a loan agreement.
6. You conclude a construction contract with our company and make an initial payment
Loan related questions
Question: do you have to go to the bank?
Answer: You do not need to go to the bank, the courier will drive up to you to sign the loan agreement.
Question: do you need additional information?
Answer: references are not needed. The main thing is the passport. It is also advisable to provide a choice: either a driver's license, or a passport, or a certificate of pension insurance.
Question: what are the requirements for the borrower?
Answer: age not less than 21 years old, Russian passport, the client must work at the last place of work for at least 3 months.
Question: In which regions can I apply for a loan?
Answer: if you live in Moscow, the Moscow region, St. Petersburg, the Leningrad region, or you have the opportunity to come to these cities to sign an agreement (for example, on a business trip or vacation).
Question: Which bank will give me a loan?
Answer: at the moment we cooperate with several banks: Metrobank, Transcapital bank, My Bank, Moscow Credit Bank, Rosbank, Russian Standard, Home Credit, Renaissance Credit, Opening Bank. The list of banks is constantly expanding. The probability of obtaining a loan from at least one of these banks is as high as possible.
Question: how much will the overpayment be when ordering construction on credit?
Answer: depending on the term of the loan and down payment, the overpayment will be from 9 to 12%.
Question: How long can I get a loan?
Answer: from 6 months to 5 years.
Question: How much can I get a loan?
Answer: up to 2,000,000 rubles.
Question: what is the down payment?
Answer: on a loan, an initial payment of 10%. At your request, it can be larger.
Question: Can I get a loan, and then take the money, and not build a house?
Answer: no. The bank, in the case of an application on the site, provides a targeted loan specifically for the construction of a house.
Banks partners
Full name: "My Bank"
Full name: Home Credit and Finance Bank
Full name: Russian Standard Bank
Full name: Bank "Soviet".
Full name: Commercial Bank"Renaissance Capital"
Full name: Moscow Credit Bank
Full name: Metrobank.
What was done
Project: the Innsbruck project was adapted to the site and the wishes of the Customer's family, a decision was made to relocate the terrace.
foundation: based on geology and the architect's calculations, the house was built on a pile-grillage foundation.
ceilings: basement - reinforced concrete monolithic; interfloor - reinforced concrete floor slabs.
box: walls made of aerated concrete blocks, laying with masonry glue. Windows are made to order, with one-sided lamination, installation on site.
roof: metal tile.
exterior finish: walls are insulated with basalt facade insulation and plastered, finishing elements are made of wood, made on site, based on TK-visualization, painted. The plinth is lined with decorative stone.
interior decoration: the decoration was carried out according to the design project, where the combination of decorative plaster with stone and wood was taken as the basis. False beams were mounted on the ceilings.
additionally: a fireplace is installed and finished.
What was done
The very case when our Customer and we speak the same language and are inspired by the ECO high-tech style! Designer Ilya came to us with finished Project your future home! Our team liked the project - after all, such unusual and stylish solutions are always a professional challenge!
We prepared estimates for Ilya and developed unique design solutions - all this allowed us to implement this project! Frame house made in our proven Canadian technology with 200 mm insulation around the entire contour! Outside, the house is sheathed with imitation timber. All windows are custom-made and laminated in colors according to the project. Additional accents are placed thanks to the professional coloring of imitation timber and the selection of colors.
What was done
What does it cost us to build a house? Indeed, having a team of professionals and knowledge - building a house from scratch is a matter of time! But sometimes the task is more difficult! We have introductory - an existing foundation, or buildings on the site, extensions to already standing buildings and much more! For the Matsuev family, it was precisely such a difficult task. They had a foundation from an old burnt house, and a landscaped area around it! The new house had to be built in short term on the existing foundation. Dmitry and his family had a desire to build new house in hi-tech style. After careful measurements, a project was made that took into account the old layout, but had a new modern form with interesting innovations! The house has appeared entry group, where you can sit at a table in cozy evenings and a complex but possible exploited roof in our lane. To implement such a roof, we called on our knowledge and modern Construction Materials LVL beams, welded roofing and more. Now in the summer on such a roof you can arrange an unusual dinner or watch the stars at night! In the decoration, our architect also emphasized the minimalist and graphic high-tech style. Smooth stucco walls with painted planken details add personality to the wooden beams at the entrance. Inside, the house is finished with imitation timber, which is painted in different colors depending on the purpose of the room! Large windows in the living room kitchen overlooking the plot - created the desired effect of illumination and airiness of the space! The house of the Matsuev family - decorated our photo gallery in the section of country architecture in high-tech style, in the style that bold Customers with excellent taste choose.
What was done
Olga and her family have long dreamed of a country house! A reliable, solid home for life, which will perfectly fit into their difficult narrow section! With the advent of children, it was decided to realize the dream, children grow up quickly and in their own house in nature there are many opportunities and fresh air. We, in turn, were happy to work on an individual project of a classic red brick house with a bay window! After the first acquaintance with our company in a cozy office, we invited Olga to take a look at our existing construction site: evaluate the order and construction processes, store materials on the site, get acquainted with the construction team, make sure the quality of work. After visiting the facility, Olga decided to work with us! And we were happy to do our favorite work again to make another country dream come true!
What was done
Project: changes were made to the San Rafael project and redevelopment was made according to the wishes of the Customer.
ceilings: basement - reinforced concrete floor slabs; interfloor - reinforced concrete floor slabs
box: walls made of expanded clay concrete blocks, mortar masonry??? Windows inserted.
roofing: metal tile
terrace: rough enclosing elements are made, flooring is done.
What was done
Dmitry approached our company with an interesting draft design to calculate the cost. Our experience allows us to perform such calculations according to draft designs with minimal errors, no more than 2%. Having visited our construction sites and received the cost of construction, Dmitry chose us from among many of our colleagues in the shop to complete the project. Our team has begun to implement a difficult and expressive country project with spacious rooms and a garage, large windows and complex architecture. After the project was completed, Dmitry chose us as a contractor, and we, in turn, wanted to do further work at the same high level! Since the object is large, Dmitry proposed a phased cooperation, namely, upon successful completion of the foundation work, we proceeded to the second part of the project - walls + ceilings + roofing. Also, the exact timing of construction was important for Dmitry, in order to speed up the construction processes, the team was reinforced by 2 experienced masons.
The box on a pile-grillage foundation was handed over right on time! The result pleased us and the Customer. All stages of work were coordinated and worked out for Dmitry and his individual project, from which all participants in the process benefited!
What was done
Project: The project of our company Inkerman was changed taking into account the wishes of the Customer's family, the house was planted on the site, taking into account the existing situation on the site and the relief
foundation: based on geology and the architect's calculations, the house was built on a reinforced pile-grillage foundation.
ceilings: wooden on wooden beams, in places of large spans installation of LVL beams. The basement is insulated with 200mm basalt insulation; interfloor overlap with sound insulation 150mm.
box: box: walls made of expanded clay concrete blocks, mortar masonry. Windows inserted.
roofing: installation of metal tiles.
exterior finish: the facade is insulated with 100 mm basalt facade slabs, the facades are closed facing brick; the color scheme was proposed by the architect and agreed with the customer.
What was done
The Krutov family decided to build a spacious house for the whole family!
From the idea to its implementation, Olga and other family members went through several stages! The choice of technology, long work on the project, the construction of the foundation, the construction of a house with exterior finishes and then work on interior decoration! The frame technology was chosen as energy-saving, prefabricated and high-tech! Why did the Krutovs choose our company? They liked the quality of work at our construction site and the workers who gave a detailed tour! We also worked on the estimate for a long time, combining different finishes, comparing their cost. This made it possible to choose best option from a wide variety of finishing materials and trim levels.
The project was created by an architect friend, but we had to work out the constructive part of it. After that, the most reliable and effective foundation was erected - UWB. Then work began on the box. A frame house with 200 mm insulation along the entire contour and a unique 300 mm roof insulation technology. For the exterior, siding was chosen in a spectacular combination of colors - coffee and cream. The accents are placed thanks to the powerful roof overhangs, interfloor belt and large windows!
What was done
When you decide to become the proud owner of your own home and move to a new home for permanent residence, first of all, you think about what the house will be like; what to build it from; how much will it cost and most importantly, WHO will do all this?
Alexander came to our company with the desire to move to his own country house. He liked the Avignon project and there was already a strip foundation. After the initial visit to the site, measurements and examination of the foundation, we gave our conclusions and recommendations. Strengthen the foundation, change the project and adapt it to the dimensions of the existing foundation! After agreeing on the cost, it was decided to build in the winter. Alexander received as a gift reinforced concrete floors, one of the leading construction teams and a house according to the project he liked, which stood on the site with exterior decoration by spring! Alexander watched every stage of construction, regularly visiting the construction site and was pleased with the result, and we were satisfied with our work. This is an individually designed Avignon project, implemented in stone technology with external insulation and siding!
What was done
Each house is a separate story of creation and implementation! Once we built a house for good people and they recommended us to another good person! Rumyantsev Andrey came to our company with a desire to replace the old country house to build a one-story spacious country house with a fireplace for warm family evenings... It was decided to build the house from aerated concrete blocks so that the future country handsome man would please the owner for decades! The customer voiced his wishes for finishing - and we, in turn, brought everything to life. Thanks to the detailed visualization of the project, each element of the exterior decoration is a member of a friendly ensemble! Bavarian masonry, as the final stage of exterior decoration, looks noble and thorough. Without a doubt, such a tandem - aerated concrete and brick can be safely called the best solution in the field of stone housing construction - warm, affordable, beautiful, reliable. Modern technologies we have stepped forward so much that such unique configurations become available in a short time, because we built this project during the winter months. The main thing is to have the necessary knowledge and constantly replenish their stock!
What was done
Project: the project of a European company was taken as a basis and was adapted to the site and the wishes of the Customer's family, a terrace and a patio were proposed, taking into account the cardinal directions on the Customer's site.
foundation: based on geology and the architect's calculations, the house was built on a pile-grid foundation.
ceilings: basement - reinforced concrete monolithic; interfloor - wooden on beams with a sound insulation device of 150 mm.
box: walls made of aerated concrete blocks, laying with masonry glue. Windows are made to order with one-sided lamination, installation on site.
roof: metal tile.
exterior finish: the walls are insulated with basalt facade insulation and plastered. Based on the visualization, facade panels were added under the Tolento stone. The enclosing elements of the terrace, balcony made of wood, made on site, based on the TK-visualization, painted. Roof overhangs are hemmed with spotlights in the color of the roof.
| Vladimir Murashkin, The owner of the house "brought to life according to his idea and sketch!" House options: |
What was done
When Customers come to us with bright, modern ideas for a future home, we light up doubly! After all, working on a new stylish project is always interesting and a challenge, how to implement all the bold ideas from a constructive point of view, what materials to use? Vladimir bought a plot with picturesque views of the Oka River! Such a view could not be ignored, so a dizzying terrace (51.1m2) and a large balcony, focused on beauty, became an indispensable attribute of the future home! Vladimir wanted to relax in nature in wooden house, and it was necessary to build a house in a short time and the ideal solution for such tasks was frame technology construction! If we are different, then in everything! The house was made even more spectacular by the vertical finish with an imitation of durable larch timber, painted in natural shades with an accentuated wood texture. Complement the modern look of the house - windows with lamination! It turned out to be an excellent country house, with zest and at the same time incredibly functional.
It all started with individual project, found by the Customer's family on a European site. It was with him that she came to our office for the first time. We made preliminary calculations for the project, conducted a tour of the existing construction site, shook hands and the work began to boil! The architect improved and adapted the project to the site and the Customer's family; the foreman "planted" the house on the site. In fact geological surveys it was decided to put the house on bored piles. The frame has grown in a few weeks, then the roof, insulation, exterior finish! During the winter, a house grew on the site. The customer invited a third-party technical supervisor who monitored the process regardless of our multi-stage control. The color scheme for painting the imitation of timber was chosen by our manager and here we have a bright and cozy dream country house of the Pushkov family!