Mortgage loan
 |
The loan is granted for the purchase of an individual residential house, apartment or part thereof, including through auctions. It is possible to provide a sale contract of sale after the decision to grant a loan. |
| Loan currency | Belarusian rubles |
| Interest rate | 15,41% (RR+5,41 p.p.)* |
| Minimum loan amount | 1000,00 Belarusian rubles |
| Maximum loan amount | within the borrower’s solvency, but not more than 90% of the cost of the dwelling, specified in the contract of sale |
| Term | up to 20 years |
| Collateral | guarantee from at least 2 (two) individuals and mortgage of the dwelling. |
| Grace period | it is possible to provide a deferment of the start of repayment of the loan (repayment of principal) for up to 6 months. |
| The term of consideration of the package of documents: | 30 business days |
| Loan payments |
|
* - 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.
Fee for preparing a contract of guarantee to be signed with an individual to secure the repayment of a loan - 20 Belarusian rubles.
Fee for preparing a pledge agreement to be signed with an individual to secure the repayment of a loan - 45 Belarusian rubles.
Loan can be repaid at bank services centers of JSC Belagroprombank regardless of the branch that issued a loan, as well as in self-service devices and remote banking systems.
Loan disbursement: nonrecurrent:
• as one lump sum transferred to the account of the seller of the dwelling.
Loan eligibility requirements for borrowers and guarantors:
• The individual must be aged 18 or over and hold Belarusian citizenship, with registered residence in the Republic of Belarus and with permanent officially confirmed income in the Republic of Belarus (hereinafter “Individuals”);
• Average monthly net income of the individual exceeds the average per capita income;
• The individual has no bad debt and (or) 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).
Documents required for a loan
