For the purchase of house sets produced in the Republic of Belarus

Loan interest rate: In the first year1 14,0% per annum (RR+4,0 p.p.)*; In second year 15,0% per annum  (RR+5,0 p.p.)*. * - the interest rate for the use of the loan is variable, and it changes on the day of the change in the refinancing rate of the National Bank of the Republic of Belarus

¹ "In the first year" means for a period of 365 calendar days from the date of the loan agreement.

Loan term: Up to 10 years.

Minimum loan amount: 100 Belarusian rubles.
 
Maximum loan amount: Limited by solvency of applicant (guarantor (s)).
 
Loan collateral:

•    for loans with an amount not exceeding 5,000 Belarusian rubles - a penalty ** or a guarantee of individual(s);
•    for loans with an amount of more than 5,000 Belarusian rubles - a guarantee of individual(s).
** The loan collateral in the form of a penalty is not available for citizens whose age has reached 60 years or will reach 60 years during the term of the loan agreement.

Fee for preparing a contract of guarantee to be signed with an individual to secure the repayment of a loan -  20 Belarusian rubles.

Loan disbursement: is carried out by opening a non-revolving credit line with money transfer in the cashless period in accordance with the paid document provided by the borrower to the current (settlement) bank account of the trading entity for the acquisition of a house set in the Republic of Belarus. Loan funds are transferred no later than the working day following the day the borrower provides the paid documents to the Bank subdivision.

The paid document must necessarily indicate the information that the house set was made in the Republic of Belarus. If there is no record in the paid document that the house set was made in the Republic of Belarus, such document shall be returned to the borrower without payment.

Procedure of loan repayment: repayment of the principal debt - monthly in equal shares, starting from the 12th month following the month of the conclusion of the loan agreement; interest repayment - monthly, in the amount calculated on the basis of the actual daily loan balance.
 
Loan eligibility requirements for borrower:

•    citizenship of the Republic of Belarus (stateless persons permanently registered in the territory of the Republic of Belarus and having a residence permit);
•    age: persons over 18 years of age;
•    availability of regular, officially confirmed income in the Republic of Belarus;
•    the individual has no negative credit history (for individuals acting as individual entrepreneurs in the Republic of Belarus – absence of outstanding tax liabilities, charges and other outstanding payments into the budget (additionally required);
•    For men under the age of 27 (citizens of the Republic of Belarus) - the presence of a military card or documents confirming the right to deferment for military service, with the exception of those employed in the internal affairs bodies, financial investigations bodies of the State Control Committee of the Republic of Belarus, bodies and emergency units, military personnel serving in the armed forces of the Republic of Belarus.

A loan of up to 2,000 Belarusian rubles is possible without providing a document confirming the  income.
 
Documents required for a loan