Obtaining a loan secured by land. How and where to get a loan secured by a land plot? Who can get a loan secured by land

Secured loans are gaining popularity. You can pawn everything that has a price in the market. A large amount can be obtained on the security of real estate, including land plot. Sberbank also has such a loan in its arsenal.

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Sberbank is the largest bank in Russia. Its loan programs are diverse.

Sberbank issues loans under different kinds collateral: real estate, vehicles, securities and others. Now we will tell you how to get a loan secured by a plot of land.

Conditions

First you need to decide on the type of collateral loan: non-purpose or mortgage. Sberbank issues both:

1. Non-purpose, secured by real estate. It can be issued for any consumer purposes; after issuance, the borrower is not required to provide any documentary evidence of their expenses.
2. Mortgage, for the purchase of land. You can take out a loan to buy a land plot, while the purchased land plot is pledged. In this case, the object of lending is also the subject of collateral.
3. Mortgage, for the purchase or construction of a residential building on this site. When building or buying a residential building on this site, the pledge of land acts as additional security.

The following requirements apply to the property:

• he should not be under an encumbrance (in another pledge, under arrest, on lease, etc.)
• it must be listed on the real estate market.

If the owner has a spouse, his (her) notarial consent is required for the alienation of the property.

It happens that the solvency of the borrower is not enough to obtain the required amount of funds. Then you can attract the income of a co-borrower (spouse, close relatives). The co-borrower is subject to the same requirements as the borrower.

Do you know that today banks are ready to provide their customers with such a service as a loan secured by real estate for business? If you want to know more, read on.

If you want to take a loan secured by real estate with a bad credit history in Moscow, then you need to go to and read our article.

In the process of obtaining a loan, the client will need to evaluate the land. To do this, he turns to an appraisal company.

Its representative visits the site, evaluates it and issues a conclusion, which the client then submits to the bank.

The bank usually gives the list appraisal companies with which he works. It should be borne in mind that the appraised value of a property can be greatly underestimated compared to the market value.

How to get a loan secured by a land plot in Sberbank?

If a client wants to get a loan secured by a land plot, it is better for him to immediately contact the bank, having collected a minimum package of documents.

The employee will tell him what other documents are needed based on his situation. Online - application, in this case, it is better not to use it - this will only lengthen the process of obtaining a loan.

After submission of documents, consideration can last up to 8 days. If a positive decision is made, within 60 days the client provides documents on the pledge.

Let's look at the differences in lending conditions for two collateral programs: non-targeted and mortgage.

Requirements for borrowers

A secured loan can be taken by a Russian citizen registered in the region where the loan is issued. Or in the region where the land plot being pledged is located.

The client must have all the necessary documentation confirming his ownership of real estate.

The age of the borrower must be at least 21 years and not more than 75 at the end of the loan agreement. That is, if the client is 61 years old, and he wants to take a loan secured by 20 years, he will be refused. More precisely, they will reduce the loan term to 14 years.

The entire repayment period of the loan must fit into the working or retirement age of the borrower.

For example, the client is a 57-year-old man. He retires after 3 years. A loan can only be given for 3 years. And after retirement, they can issue a new one for 15 years.

The borrower must work, have an official income and work experience of 6 months in the last place. In total, over the past 5 years, he must work for at least 1 year. All data must be documented.

A loan secured by real estate, including a land plot, will not be issued if the client is:

• the person having the right of the first signature on the MP, where up to 30 people work;
• the owner of an MP with a participation share of more than 5%;
• a member of a farm (peasant) economy.

Documentation

We will provide a general list of documents. Depending on the individual circumstances in a particular application, the bank may require additional documents:

1. Application form (can be filled out and printed on the Sberbank website).
2. Passport with registration stamp.

3. Form 2 certificate - personal income tax on income for the last 6 months. You can download the reference form at. For employees of enterprises receiving salaries at Sberbank and for pensioners, such a certificate is not required.

4. A document confirming the work experience (copy of labor, contract, etc.).
5. Document of ownership of the land.
6. The document on the basis of which the right of ownership has come (contract of sale, donation, etc.).
7. Certificate of land valuation.
8. Extract from the EGRP.
9. If a part of the land plot located in fractional ownership, requires a notary waiver of all owners of shares from the pre-emptive right to purchase.

10. Notarized consent of the spouse (s) to the alienation of the land.

11. If the pledgor was not married at the time of acquisition of the land plot, he is required to confirm this notarial statement.
12. Permission of guardianship authorities in the presence of minor children.

What amount to expect?

The amount of collateral loans always depends on a percentage of the assessed value of the collateral.

In Sberbank, for a non-targeted secured loan, this is a maximum of 60%, and for a mortgage, 75%. For example, a client owns a land plot with a market value of 1,500,000 rubles.

The appraisal company rates it at 1,100,000 rubles. It turns out that if a client wants to take a non-purpose loan, its maximum amount will be 660,000 rubles, and if mortgage - 825 000 rubles.

The loan amount will be transferred to the client's account or his card in Sberbank. It should be borne in mind that the amount will be available on the card only the next day.

Interest

Interest rates on secured loans are relatively low - from 13 - 15% per annum.

This is because bail is good security on credit. If the client fails to repay the loan, the bank transfers ownership of the collateral object. The bank sells it on the market and covers its losses due to default on the loan.

Sberbank does not set hidden interest and commissions on its loans. Therefore, if the client regularly pays the loan, he can be sure that the interest rate specified during the execution of the contract will not change.

Loan terms

The terms for loans secured by a land plot are quite long and reach 20 years for a general purpose loan and 30 years for a mortgage loan.

How is repayment done?

Repayment is made monthly equal amounts(annuity payments) on a certain day of the month, debited from the client's account. In order for the withdrawal to occur, the client must first deposit the required amount of funds into the account.

If the customer needs to pay a large amount, it is not enough for him to deposit it into the account. You need to contact the bank in advance and apply for the repayment of the required amount.

If the client does not pay the loan on time, he pays a penalty in the amount of 20% of the overdue payment.

There are a lot of ways to pay off a loan from Sberbank:

• from an account or card via Internet banking "Sberbank - Online";
• at an ATM with a cash-in function;
• from a card or account in Sberbank self-service devices (terminals, ATMs);
• a standing order from a bank account;
• transfer from the salary (by agreement with the accounting department of the employer);
• intrabank transfer to your account;
• cash at the bank office.

If the client himself cannot deposit money, he can entrust it to another person. To deposit money, you need to know the account number and have a passport with you.

Insurance

Sberbank, when applying for loans, including those secured, asks its customers, on a voluntary basis, to take out life and health insurance.

In case of refusal of the client, the bank increases the interest rate on the loan by 0.5-1% per annum. The insurance service is paid. It costs about 2-3% of the loan amount, depending on the program.

The client should think about it, because insurance is beneficial to him. If he takes out insurance, he and his family will be protected in case of unforeseen circumstances of life.

When a client loses health or life and can no longer pay his loan, the insurance company will do it instead.

In this case, the client will not lose the right to the pledged property.

And if you decide to build a house, then you should read about.

Advantages and disadvantages

The advantages of lending secured by a plot in Sberbank are:

• small percentage;
• no hidden interest and commissions;
• a large loan amount;
• long term;
• bank stability guarantee.

Cons can be called:

• a large list of documents provided;
• duration of registration;
• the need to take into account many nuances;
• loss of ownership of the collateral object (if it is impossible to repay the loan).

In conclusion, I would like to say that Sberbank provides customers a good choice credit programs.

A large number of offices throughout the country will allow even residents of small towns and villages to use them.

If you have a plot, or you are planning to buy it, but there are not enough funds, you can always contact Sberbank.

Attention!

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the site.
• All cases are very individual and depend on many factors. Basic information does not guarantee the solution of your specific problems.

Among the forms collateral land can be attributed. This type of loan allows you to get a large loan amount for a long period of time with a low interest rate.

What is special about a loan secured by a land plot? First of all, this is a rather long process of collecting, preparing and processing documents. In addition, in order to receive money, you will need to obtain insurance for the collateral. In addition, banks that give loans secured by land do not provide small amounts, however maximum size loan depends on the total value of the mortgaged property. The main disadvantage of such a loan is that the borrower risks losing his property if he cannot repay the loan.

Calculation of the loan amount secured by the plot

Before applying for a loan secured by a plot of land, the pledged object is assessed by the bank's specialists. If the client is not satisfied with this price, he can invite independent experts for his own money. After determining the amount of the loan, the process of registration of the contract begins. It requires standard documents - a passport, TIN, certificate of employment, income, land documents, as well as the consent of the second spouse for a loan secured by a plot, if the client is married.

Those citizens who own land can count on obtaining loans from banks. This is not a simple process that requires the collection of some documents. How to get a loan secured by a land plot will be described below.

How to get a loan secured by land? Photo No. 1

According to the Civil Code, land plots are classified as real estate, so they can be the subject of collateral.

All legal relations related to mortgage lending (cash loans associated with the pledge of real estate) are regulated not only by the norms of the Civil Code, but also by special legislation, which includes the Federal Law on Mortgage Lending.

According to the above federal law, the following land plots can act as collateral in mortgage lending:

• plots, the intended purpose of which is intended for conducting individual residential on them;
• plots that are allocated for the construction of various utility rooms on them, for example, garages, country houses;
• land plots on which individual residential houses, utility rooms are located, as well as land for personal subsidiary plots (rural estates, private houses with land for a garden);
• land plots that have the status of agricultural ( this option suitable for farmers and legal entities who are engaged in agricultural business).

But in addition to the target ownership of the land, persons who decide to use this method of lending should know that the land that will be pledged must necessarily be the property of a citizen.

If all conditions are met, then citizens can take the necessary package of documents and go to a banking institution that provides such services. Details of the registration process will be described below.

It is important to remember that banking institutions will never lend an amount of funds that will be equal to the value of the land. This is due to the fact that they include in their programs the degree of risk, that is, no return of funds. Based on this, it will be difficult for them to sell the land for market value.

For what purposes can such a loan be taken?

Purpose of using a loan secured by land. Photo #2

Based on an analysis of all that banking institutions provide, two lending purposes can be distinguished when land can be collateral:

• construction of an individual residential building;
• consumer goals.

Accordingly, depending on the initial purpose of lending, banks charge interest for the use of credit funds, as well as the timing of repayment of funds.

Let's take a closer look at these programs.

Home construction

If a citizen owns a land plot, the intended purpose of which is individual residential construction, then he can apply to a bank to receive funds for the construction of a private house.

Banks that participate in such programs will issue a loan for a certain amount, based on practice, less than 20% of the market or cadastral value of the land.

A feature of such lending is that the land plot and all constructed buildings (even if they are not completed) automatically become collateral. Therefore, in case of non-fulfillment of debt obligations, the site, together with the unfinished house, can be sold by bailiffs.

consumer credit

A consumer loan is understood as one whose funds are directed to certain needs of a citizen (for example, the purchase of household appliances, furniture).

The maximum amount that can be provided for such loans will also be 20% less than the market or cadastral value of the land. Naturally, in case of non-fulfillment of debt obligations, the subject of pledge will be sold at special auctions by bailiffs.

It must be remembered that at this time there are two ways to evaluate land. The first is market value. This assessment is done by licensed professionals. The second one is cadastral value. It is available in the cadastral file, that is, an assessment is not necessary. Based on existing practice, cadastral and market value practically do not differ.

Features of pledge of agricultural land. Photo #3

Agricultural lands have a special status, therefore credit legal relations with them are special. You can not build on them, but only conduct a personal household.

Based on this, banking institutions can issue a loan to citizens, owners of agricultural for consumer needs, or the purchase of equipment, agricultural implements.

Theoretically, the money received can be used for individual construction, but only on another land plot (where it is allowed to do so). It is difficult to evaluate agricultural land, so it is better to provide cadastral value to banking institutions.

It is interesting to know that in the process of fulfilling loan obligations, such a land plot may change its intended purpose, that is, construction may be allowed on it. From this, its nominal value may increase or vice versa increase. Therefore, it is necessary to notify the bank about the change of purpose.

Granting a loan, necessary documents

Now let's move on to the question of how such loans are provided. Naturally, the first step is a trip to the bank, where you need to find out what documents you need to provide, credit conditions, as well as annual interest.

In principle, almost all programs of banking institutions that provide such loans are the same, the only thing that may differ is the interest rate. After prior approval, the borrower must provide the following documents:

1. Passport of a citizen (borrower) may also require documents of family members.
2. Documents confirming the right (extract from the register, contract of sale, donation, certificate of inheritance).
3. A document confirming the valuation of the site.
4. Technical documentation, which will indicate the clear boundaries, cadastral number.

A banking institution may require other documentation if it is provided for by their regulatory documents.

Also, some banks require insurance, as the land may become unusable for some reason (for example, natural disasters, man-made disasters).

If a loan is taken for the construction of a house, then you can provide its approved plan and project.

It is interesting to know that if the borrower has ever taken loans and had problems with their payments, then most likely the application will be denied.

Banks that issue loans under the mortgage of land

Where can I get a loan secured by land? Photo number 4

The last question concerns which banking institutions currently issue mortgages land plots.

Their list is as follows:

• Rosselkhozbank;
• Sberbank of Russia;
• International Moscow Bank;
• Rosevrobank;
• Credit Bank of Moscow;
• Bank of Moscow.

This indicative list, since every year more credit institutions begin to participate in such programs, because every year the cost of land, especially in large settlements is constantly growing.

It is interesting to know that before applying for such a loan, the borrower must visit several banks in order to choose the best program for himself.

You can get a loan secured by land, but not all banking institutions have such programs. In addition, you need to prepare the necessary package

Pawning a land plot to obtain a loan is a common and successful practice. But before applying for a loan, you should carefully study the features of such financing and choose a bank with optimal conditions for providing money.

For convenience, the conditions of all the banks described below are summarized in a table.

What is a loan secured by land

If you own a piece of land, you can make it collateral under a loan agreement. This means that for the duration of the loan agreement provided real estate will be the guarantor of the return of the amount issued. If the borrower does not pay under the contract, the bank will be able to sell the land and repay the debt with the proceeds.

During the entire term of the loan agreement, bank consent will be required for legal actions. Until the encumbrance is removed, you will not be able, without the permission of the financial institution:

• draw up a will or deed;
• register tenants;
• allocate a share;
• arrange a deposit, etc.

An important point - the rights to use the land when installing encumbrances are not limited. You will be able to live on the site and fully enjoy it.

Benefits of this loan:

1. Low interest - a secured loan is more profitable than an unsecured loan.
2. Increased limit - banks are ready to issue 50-70% of the estimated value of the object.
3. Reduced requirements - in the presence of collateral, individual financial institutions are ready to issue money without certificates from work or other proof of income.

The main disadvantages are the need for collateral and the duration of registration. Usually, all approvals take from 5 days to 2 weeks. If you need money urgently, then it will be faster.

Lending secured by a plot with a house

Almost always there is a house or cottage on the site. In this case, not only the land, but also the residential buildings located on it, are transferred as collateral under the loan agreement.

An exception is the situation when the house is registered to another owner.

Example:

Ivan Ivanovich wants to get a loan secured by a dacha and a plot of 6 acres. But he owns only the land, and the house itself is registered to his brother. In such a situation, the lender can agree to a transaction only if the brother of the borrower agrees to the encumbrance.

In practice, such transactions are legally complex, and credit institutions prefer not to enter into such agreements.

Insurance

When applying for a consumer loan without collateral. If a loan agreement is concluded on security, then the bank has the right to demand that it be insured - this is the law. In a situation where the house and land become security, the policy is issued for both objects.

Personal insurance (life and health), as well as title protection (the legal rights of the borrower to the object) are issued exclusively voluntarily. The only thing that the bank can do in case of refusal of financial protection is to increase the interest rate. On average, it will increase by 1-3 percentage points.

Note:

Title insurance - protection against situations when, during the term of the contract, circumstances are clarified due to which the borrower's rights to real estate are canceled. For example, a garden plot was bought from a person who concealed his incapacity. Such a transaction can be challenged in court, which means that the rights of the new owner to the land are annulled.

How can money be used

As a rule, financial institutions, secured by a house with a plot or just land, issue a cash loan. But it is also possible to issue a targeted mortgage loan.

Non-targeted loan pos pledge of land

In fact, this is an ordinary consumer loan, but with collateral. Funds are issued to the client in cash.

The borrower can use the money received for any purpose - from vacations to repairs in an apartment or teaching a child. You do not need to report to the bank about where the funds were spent.

Targeted mortgage loan secured by a land plot

In this case, the funds are spent exclusively for the purposes specified in the agreement. Otherwise, the bank may increase the rate under the agreement or even require a full early repayment of the debt.

A mortgage loan can be issued against the security of a plot of land:

• for the purchase of an apartment - it is possible to purchase both in the secondary market and in new buildings;
• for the construction of a house - funds are issued in several stages according to a pre-agreed estimate.

When building a house, it is not necessary to involve intermediaries, you can carry out the work yourself. But statistics show that when drawing up an agreement with construction company more likely to be approved.

Requirements for land

The main condition for registering a house and land as a pledge is high liquidity. This means that similar objects in the market should be in demand and appreciated. Otherwise, if the borrower fails to fulfill its obligations, the bank will not be able to sell the land and repay the debt.

There are other requirements for mortgaged property:

1. Ownership. The property must be wholly owned by the borrower. In some cases, it is allowed that the land was registered on close relative for example, the spouse of the applicant. In this case, the real owner will need a complete set of documents for the transfer of real estate as collateral to the bank. But if a minor has a share, it is unlikely that a deal will be executed - the guardianship authorities will not give their consent.
2. No encumbrances. The site must not be the subject of litigation or collateral under another loan agreement. Also, minors should not be registered there.

As for the type of land, the possibility of drawing up a loan agreement depends on the conditions of a particular bank. If the property is framed in accordance with all the rules, then the owners can receive financing:

• summer cottages;
• IZHS land (provided for individual housing construction);
• plots of SNT (gardening non-profit partnership) and DNP (dacha non-profit partnership);
• agricultural lands.

When lending, both against the security of agricultural land, and for all others, you need to make sure that the territory does not belong to protected areas.

How to get a loan underground

The procedure for obtaining a loan when providing land as security is more complicated than the process of obtaining consumer credit. To make it easier for you to navigate, I have compiled a detailed step-by-step algorithm:

1. Bank selection. Focus not only on the size of the interest rate. Evaluate how conveniently located branches or how comfortable remote service is. Read the reviews of other users and analyze them.
2. Filing an application. Most financial institutions provide the ability to send a loan application remotely. This saves time and allows you to contact several banks at once. At this stage, it is not required to provide documents for the mortgaged property.
3. Provision of documents. If the application has received preliminary approval, then you will be invited to the office with documents. You will definitely need to take a certificate of ownership of the land or an extract from the USRN, and if the land was bought in marriage - the notarized consent of the second spouse to the transaction. The full list of documents depends on the conditions of a particular bank. For example, some financial institutions ask for certificates of employment, while others are ready to provide the required amount for 2 documents without proof of income.
4. Object evaluation. After providing all the documents, the bank makes a decision not only on the application itself, but also on the object proposed as collateral. If the answer is yes, then the site and the house are evaluated. This is necessary to determine both the insurance and collateral value of real estate. Also, the maximum amount of the credit limit depends on the set price.
5. Signing an agreement and receiving money. On the agreed day, the borrower and the bank representative sign documents - a loan agreement, an insurance agreement, a mortgage, a payment schedule, etc. After that, the loan is considered issued and the borrower receives the funds.

If a consumer lending agreement is drawn up, then money can be received at the bank’s cash desk or on a special card, from which they can be withdrawn free of charge at any time.

With a mortgage, the money is almost always transferred directly to the seller of the apartment or house. An exception is the provision of a loan for the construction of a house or cottage without involving contractors. In this case, the money is given to the borrower, but he must report to the financial institution about their use.

Which banks give non-purpose loans secured by land

It is possible to mortgage land for drawing up a consumer loan agreement in many, but not in all financial institutions. For example, in and you can only get a non-purpose loan.

To make it easier for you to navigate, I have made a selection of 3 banks with optimal conditions for providing financing.

Sberbank

In Sberbank, the rate under the agreement is fixed - 12.5% ​​for all categories of borrowers. But if you refuse personal insurance, it increases to 13.5%.

To complete the agreement, you will need a full package of documents, including work book and proof of income. Sberbank accepts both 2-personal income tax and free-form certificates. It is also necessary to provide a document stating that the borrower has other housing in which he has the right to live - this may be a certificate of ownership or an extract from the house register.

You can draw up an agreement from the age of 21, at the time of repayment of the debt, the borrower must not be older than 75 years.

Sovcombank

Compared to other banks, the rate is higher, it is 20.4%. But the proposal has other advantages:

• you can get a loan up to 85 years, which is important for pensioners;
• it is allowed to confirm income not only with 2-personal income tax, but also with a certificate in free form and at the request of the employer;
• not only hired employees, but also individual entrepreneurs can draw up a contract;
• Cancellation of personal insurance does not affect the interest rate.

To apply, you must have at least 4 months of work experience at your last job.

Rosselkhozbank

If you refuse personal insurance, the interest rate will increase to 14.5%. For employees of the public sector, on the contrary, a discount of 1 percentage point is provided.

To draw up a loan agreement with Rosselkhozbank, you will need a full package of documents. The total length of service at the time of application must be at least 1 year, the last 6 months - at the last place of employment.

An additional advantage of the offer is that it is not required that there be a residence permit in the region where the loan is issued. The main thing is that the permanent registration should be in any other city in Russia.

A loan secured by a land plot without proof of income

To date, only one financial institution is ready to provide an untargeted loan secured by a land plot - Vostochny Bank.

The interest rate is set individually in the range from 9.9% to 26%, the refusal of insurance does not affect it. You can issue from 300 thousand to 30 million rubles for a period of 1 to 20 years. To apply, you must be over 21 years old, and at the time of debt repayment - under 76 years old.

Despite the fact that it is not required to provide documents on income, it is mandatory to be employed. A guardian is needed at the current place of work from 3 months, and for clients under 26 years old - from 1 year.

(1 ratings, average: 2,00 out of 5)

A loan secured by a land plot in a bank is one of the ways to get money for various purposes. The client can mortgage agricultural land for a loan or land for the construction of a private house. Money secured by land is issued by many banks more readily than unsecured loans, however, land is listed as illiquid collateral, so this type of loan is offered by a small number of banking organizations.

To get a cash loan, you must have a passport of a citizen of the Russian Federation and a document confirming the ownership of the property. Proof of income at the bank is not always required, so you can receive money without proof of income in large cash equivalents. Long term loans are good way take out a loan for up to 15 years and repay it in small monthly installments.

A loan secured by a land plot in a bank

Key information for those wishing to receive cash from the bank by mortgaging a summer cottage or garden plot:

• the client can take money without confirming his income for any purpose;
• the loan agreement is concluded with automatic extension;
• the loan is issued for a period of up to 15 years;
• the age of the consumer depends on the specific banking organization and fluctuates between 18 and 75 years (at maturity);
• the state of the credit history for some banks does not matter;
• the interest rate on long-term loans depends on the conditions of the bank and starts from about 15%
• secured loan suburban area can be up to 90% of its value;
• the client can take out a loan and continue to use the property.

Several lending options are available to Russian clients:

• a loan secured by agricultural land;
• loan of funds for a plot for private construction;
• a loan secured by a garden plot in Moscow;
• allotments with buildings located on them;
• loans secured by land IZHS in Moscow;
• other difficult cases.

Banks or microfinance organizations can act as creditors. Private loans may have more attractive terms. Therefore, it is worth getting more information about current offers in advance.

On the Creditznatok website you will find credit organizations where you can take a cash loan under the land of IZHS (individual housing construction). The IZHS lands enjoy special advantages over banks, the main of which is the possibility of registering objects built on it and easier sale in case of withdrawal for non-payment.

A long-term loan can only be taken if there are no active encumbrances on the property yet.

In what cases you may need to lay a private garden plot, land for individual housing construction or an agricultural plot:

• the need to invest in an unfinished house;
• large debts;
• an impressive debt on utility bills;
• pressure from collection companies;
• unfavorable conditions on previous loans and the need for debt restructuring.

In order to mortgage an agricultural land plot, it is necessary to have a passport and a photocopy of it, title documents, and a cadastral passport.

How to get a loan?

Before you take a loan secured by a land plot, you need to choose a credit institution with the most favorable interest rates. Creditznatok collects up-to-date information about verified organizations and offers a lot of selection tools. Choose the conditions you like, go to the sites and fill out applications. After some time, you will receive a confirmation of receipt of the loan, or employees of the selected organization will contact you. Also on our site you can find companies that give money without collateral at favorable interest rates - both small and large amounts.