Pledge for a land plot: necessary documents and legal rules for registration. Pledge of the right to lease a land plot of municipal and other property Obtaining the consent of the owner

According to Professor of Political Economy Ivan Ustiyan, in the seventh stanza of Eugene Onegin, Pushkin gives an absolutely real formula for happiness. When he describes Eugene's education:

VII
No high passion
For the sounds of life do not spare,
He could not iambic from a chorea,
No matter how we fought, to distinguish.
Branil Homer, Theocritus;
But read Adam Smith
And there was a deep economy,
That is, he was able to judge
How does the state grow rich?
And what lives, and why
He doesn't need gold
When a simple product has.
Father could not understand him
And gave the land as a pledge.

I believe that this same ill-fated stanza contains not only the formula of happiness, but also our entire national tragedy. Tell me, did they teach us in the school curriculum about what is iambic and what is trochee? I was taught! And although I was the most generally recognized poetess in my school, this knowledge did not help me either to write poetry or to do anything else in life. It turns out that Pushkin is of the same opinion! Did I know from the school curriculum who Homer and Theocritus are. Oh yeah! Their names have been familiar to me since childhood. But when it came to Adam Smith...oops...that's where my school education let me down! Did we need to know him? Absolutely! Adam Smith was the most famous economist of the time. And when I found out about this, I realized that something in our education system was completely wrong! Even when I entered BY3, the political economy teachers admitted that they did not understand Smith's theories. It turns out that the whole world knew our own Pushkin as an economist, but for some reason we think that he was just a poet! And you know who we owe it to? Tsar Nicholas. And to whom was I obliged that I understood this in time? Pushkin! And all because Pushkin was the true father of Russian education!

I give here some information about Pushkin's correspondence with Tsar Nicholas I regarding public education.

On public education (p. 357).
The note “On Public Education”, written by Pushkin on the direct instructions of Nicholas I, and, moreover, for his personal information, had a purely official character, which predetermined all the features of its subject matter, structure and phraseology.
On September 30, 1826, the chief of gendarmes, Adjutant General A. Kh. Benkendorf, addressed Pushkin, who had just been returned from exile, with the following letter: together with immortality your name. In this confidence, His Imperial Majesty is pleased that you take up the subject of the education of youth. You are given complete and complete freedom when and how to present your thoughts and considerations. And this subject should present to you the most extensive circle, because you have seen by experience absolutely all the harmful consequences of a false system of education.
The questions proposed for discussion by Pushkin, after the events of December 14, were for some time in the center of attention of the government and were already reflected in several special notes submitted to Nicholas I. military and civil service”, the author of which was the head of the Southern military settlements, Count I. O. Witt; a note “On Public Education in Russia”, submitted on April 20, 1826 by the trustee of the Kharkov educational district A. A. Perovsky (“Russian Antiquity”, 1901, No. 5, pp. 353-367); "A Study of the Root Causes of the Conspiracies and Revolts Against the Throne and the Tsardom", sent by Privy Councilor Arsenyev ("Collection of Historical Materials Extracted from the Archives of the Own H.I.V. Chancellery", Issue XIII, St. Petersburg, 1906). Bulgarin’s report “Something about the Tsarskoye Selo Lyceum and its spirit” (B. L. Modzalevsky, Pushkin under secret supervision, 2nd ed., P. 1925) belonged to the same circle of documents.
Pushkin's note, probably begun in Moscow in October 1826, was completed by him, judging by the date of the autograph, in Mikhailovskoye on November 15, 1826. As evidenced by the entry in the diary of A. N. Wolf, relating to September 16, 1827, Pushkin, speaking to him “about the shortcomings of our private and public education,” said: “I was at a loss when Nikolai asked my opinion on this subject. It would be easy for me to write what they wanted, but you don’t have to miss such an opportunity to do good ”(L. Maikov, Pushkin, St. Petersburg 1899, p. 177).
At the beginning of December 1826, Benckendorff presented Pushkin's note to the tsar with the following accompanying explanation: “As a result of a conversation that I had with Pushkin, by order of your Majesty, he just sent me his notes on public education, which I am attaching herewith. It's already a man returning to common sense” (“Ancient and New”, book 6, 1903, p. 5; original in French).
Pushkin's note was carefully read by Nicholas I, who dotted it with clearly unsympathetic question and exclamation marks. This negative assessment of most of the note was strongly, however, smoothed out in a letter in which Benckendorff brought to the attention of Pushkin on December 23, 1826, that “the sovereign emperor with pleasure deigned to read your reasoning about public education”, but “at the same time, he deigned to note that that the rule you have adopted, that enlightenment and genius serve exclusively as the foundation of perfection, is a rule dangerous to the general peace, which has drawn you yourself to the brink of an abyss and plunged into it a great number of young people. Morality, diligent service, diligence should be preferred to inexperienced, immoral and useless enlightenment. On these principles well-directed education should be based.

It turns out that Pushkin wanted to educate free and independent geniuses from Russian people, such as himself, and the tsar wanted us to be, above all, obedient and moral. What exactly did Pushkin propose in this note?

Here is what Ivan Ustiyan says about this;
At the request of Nicholas I, Pushkin draws up a note “On Public Education”, in which he proposes to implement a fundamental economic reform. He was convinced of the need to organize mass education of the people, and then free the peasants from slavery without any ransom. But even the Decembrists believed that the peasant should buy his freedom for money.
"IQ": But, as you know, only aroused the anger of the sovereign.
- Of course, he showed his revolutionary thoughts. But the reason for the discontent of the king was something else. Pushkin proposed to create big number higher, middle educational institutions and Lancaster schools (Byron proposed such a prototype of modern vocational schools) and to organize a widespread study of political economy according to the Say and Sismondi system. And these are the disciples of the liberal Smith. Here they saw the danger of spreading the ideas of parliamentarism.

It turns out that Pushkin believed that in order to grow truly free and independent people, they need to be taught economics and the theory of free people. market relations, but the king did not agree with this and believed that it was better to educate soldiers from people and teach them poetry.

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Mortgage agreement for the right to lease a land plot

The plot pledge agreement is concluded in a simple written form (i.e. without the participation of a notary) in the form single document signed by both parties to the transaction. In order for it to pass the state registration procedure, it is required to draw up an agreement taking into account the requirements of mortgage and civil law legislation.

The following points must be included in the mortgage agreement:

• parties to the transaction;
• subject of collateral general characteristics(so, if it were owned: area, special purpose etc.);
• assessment of its market value;
• the subject of the transaction or its essence;
• reference to title documents on land and lease agreement;
• the amount and timing of fulfillment of obligations under the mortgage (no more than the lease term);
• the rights and obligations of the tenant and the mortgagee;
• the responsibility of the parties;
• the procedure for foreclosing the subject of pledge;
• other aspects.

Banks usually offer the borrower their unified form contract and do not allow changes to it.

Thus, the pledge of the right to lease land plot- one of the varieties mortgage agreement, which provides for the transfer of property, namely lease rights, as a subject of pledge.

Welcome! Today we will talk about a loan secured by a land plot as an alternative to a mortgage. Making such a loan will allow you to get a serious amount of money for use, which can be used for any purpose - solving housing and domestic problems, opening and expanding your own business or paying for major purchases. More about the features of this type of lending and conditions in the leading Russian banks- read on.

Lending secured by land has certain features, among which are:

• relatively low liquidity of plots compared to an apartment and even a private house;
• lengthy loan process;
• long term debt repayment;
• increased loan amount (as a rule, not less than 300 thousand rubles);
• land owned by both the borrower and third parties can be pledged;
• reduced interest rate compared to classic consumer unsecured loans.

The loan amount depends on appraised value the collateral object to which the discount factor is applied. The size of the discount may vary depending on the specific lending program and the selected bank and averages 50%.

That is, in simple words By mortgaging the land in favor of the bank, a potential borrower will be able to count on a loan in the amount of not more than 50% of the price of the plot. Discounting is used to minimize possible risks and losses for the bank if the client stops fulfilling its obligations in the proper amount and in the proper manner.

Making a loan secured by land is not targeted, that is, no confirmation of the expenditure of the received money is required. In fact, this is just a consumer loan with collateral, and not a mortgage loan, which implies a targeted direction. borrowed money. The differences between these types of lending are not only in this, but also in the increased annual rate for the first type of loan.

Land insurance is unlikely to be mandatory, as the risks of damage and loss are fairly minimal. The borrower may be required to purchase personal health and life insurance.

Requirements for the land

Not every piece of land the bank agrees to take as collateral for a loan. The provision in the form of land must meet the following established requirements:

1. Land must not be arrested, pledged under other obligations, donated, promised, etc.

There should not be any encumbrances on the site. Otherwise, any bank will refuse to issue a loan with such collateral.

1. The site must be owned, which is confirmed by title documents.

The certificate of ownership must indicate the borrower or a third party pledgor as the owner.

1. Only land designated for housing construction, reference subsidiary farm or gardening.

Other categories of land will be of no interest to the lender, since subsequently there may be difficulties in registration and implementation. Land should not be located in water, forest protection and reserve zones.

1. Location in the region where the credit institution operates.

Lands located in other subjects of the federation or significantly removed from the city in which the bank's office is located also have little chance when considered as collateral.

1. The minimum area is at least 6 acres.

Smaller parcels may be considered, but are unlikely to be approved.

In addition, bank specialists take into account such factors as:

• land area;
• remoteness from a city or large settlement;
• infrastructure development around;
• the presence or absence of communications;
• availability of access roads, accessible all year round;
• prestige of the area.

The site is located in the field, away from settlements, will be characterized as an object with low liquidity and inappropriate transfer as collateral. Practice shows that the evaluation of land is subjective and has a lot of difficulties.

Some plots, located in a relatively prestigious area, are highly valued, but as a result, after decades they remain without any development and their price falls. Others - located on the outskirts - on the contrary, large settlements with developed infrastructure and excellent prospects are formed. Therefore, it is rather problematic to evaluate such objects. The risks are significant.

Please note that secured loans suburban area and a loan secured by agricultural land is possible and does not differ in terms from lending secured by land under individual housing construction.

How to arrange step by step

The procedure for obtaining a loan secured by a land plot is universal, and generally consists of the following steps:

1. Studying offers from banks and choosing a specific lending program.

In advance, you should carefully study the types of loans on the market secured by land, familiarize yourself with the conditions, requirements, a package of documents and make preliminary calculations on the loan calculator, which will help calculate the amount of the overpayment and draw up a schematic payment schedule.

1. Preliminary consultation with a specialist of the selected bank.

In this consultation, it is advisable to find out your chances of approval of the application. You can also do this by submitting online applications on official websites credit organizations. From potential borrower you will need to provide basic information about yourself, such as: personal data, contacts, level wages, place of work, available loans. But the main decision will still be made after visiting the bank office.

1. Valuation of the collateral object.

This assessment should be in the form professional report With deep analysis, photographs and carried out exclusively by an accredited company approved by a specific bank. Such a service, of course, is paid.

1. Collecting a package of documents and submitting an application.

You will need to provide the bank with:

• borrower's passport;
• application form;
• documents confirming employment and solvency;
• bail documents.

Each application is considered by banks within 2-10 working days. In addition, employees of the mortgage service of the credit institution go to inspect and evaluate the site.

1. Conclusion of the contract and registration of the transaction.

If a positive decision has been made in relation to the borrower, then together with him a convenient day is chosen for signing the mortgage loan agreement and the payment schedule. Then after paying state duty encumbrance of the land plot in favor of the bank is made in the registering body.

1. Getting the loan amount.

After all registration procedures, the bank issues the loan amount under the agreement to the client. At the discretion of the borrower, this can be done non-cash (to an account or deposit) or through the cashier on an expense order.

TOP offers of banks

The list of banks offering lending programs secured by a land plot to private clients is rather limited. Land as security is taken extremely reluctantly. The chances of a one- or two-room apartment, especially in a good area, are much greater.

In the table below you can find out where to get a loan secured by land:

Because this species lending is quite specific and has a lot of nuances, the bank reserves the right to impose tougher requirements on borrowers and real estate, as well as request additional documents. Each application is considered on an individual basis, and the client may be offered personal conditions for obtaining a loan (possibly with an increased interest rate). The banks presented require a standard package of documents for submission loan application, including proof of income and employment.

The most popular among borrowers is a loan secured by a land plot in Sberbank, since the approval rate is higher, there is a large branch network and requirements for the borrower allow lending up to 75 years, and it is also possible to take into account additional income. VTB 24 does not work under this program. Rosselkhozbank requires guarantors and co-borrowers without a pledge of land.

Pros and cons

Lending secured in the form of a land plot has the following advantages:

1. The ability to obtain a loan in a fairly large amount (usually from 500 thousand rubles) for a long period (up to 15-20 years).
2. The non-targeted nature of such lending, which is expressed in the direction of the received money for any purpose (an exception may be a ban on using the loan amount for maintaining entrepreneurial activity some banks).
3. The credit rate for such programs will be slightly lower than for standard consumer loans.

The disadvantages include:

• increased requirements for collateral regarding location, area, distance from the city, infrastructure, etc.;
• an extended package of documents, including the obligation to provide a land valuation performed by professionals;
• inability to participate in government programs support for mortgage borrowers;
• the delay in obtaining a loan - the moment of collecting documents before obtaining borrowed funds.

Answers to important questions

We will try to give answers to the most important and common questions.

1. Will pensioners be able to get a loan secured by land?

The age limit for borrowers in most banks is 65-75 years. Therefore, a pensioner who owns a land plot can receive such a loan for a relatively short period. In any case, each application will be considered individually.

1. Is proof of income required?

The answer is yes, but only for payroll clients. They do not need to provide the bank with any certificates and other supporting documents.

1. Are loans secured by land with an unregistered building?

Most banks require that any buildings on the site must be properly designed. In such a situation, 2 options are possible: the building will not be taken into account or the bank will refuse such a client.

1. Can I get a loan secured by the acquired land?

Definitely yes. The requirements are the same as for the property.

1. Is it possible to get a loan secured by land for people with bad credit history?

A bad credit history is direct evidence of a person's unreliability and is considered a good reason for refusing to issue an extradition. Therefore, it would be quite logical for the lender to refuse to cooperate with such a borrower. Thus banks reduce possible risks for non-repayment of borrowed funds.

A loan secured by agricultural land or other types is an effective option for obtaining a large amount of money for a long time. Lots with high liquidity, located near the city, with all the necessary communications and infrastructure, the bank will gladly accept as collateral.

However, there is a limited number of lenders on the market today who are ready to lend to the population on such terms. Among them: Sberbank, AK Bars Bank and Zenit Bank. Sberbank offers the most attractive design options.

We are waiting for your questions in the comments. Sign up for free consultation to our lawyer in a special form. He will be able to help you with the execution of all documents on the land and will support you in obtaining this difficult loan.

Please rate the article and like if it was useful to you.

You will also be interested in learning about a home loan.

What determines the size of a loan secured by land from a private person? Where can I get a loan secured by land? When can they refuse to provide a loan secured by land?

Pledge land to secure a loan psychologically much easier than risking the apartment or house in which you live. Often the land is not even properly used by the borrower, overgrown with weeds and waiting for better times - when the owner will have money to build a house or cottage.

If you are ready to give your land as credit guarantee but don't know how to do it, then this article remove all questions about procedures for processing bank claims to borrowers and their land, and other nuances related to the stated topic.

This is Denis Kuderin, financial expert of the HeatherBober magazine. We take the best places and read to the end - in the final you will find a list of banks with the most favorable loan conditions, plus an overview of the reasons why lenders may refuse to issue a loan.

1. A loan secured by land is an option for a borrower with a bad credit history.

Before pledging land, you need to study legal features of such transactions. Plots can be independent real estate objects or belong to buildings located on this land.

The earth only has full-fledged legal status if you have title documents. If the house and land not legalized, you do not have the right to make any transactions with them - neither to pledge, nor to sell, nor to change.

In practice, there is often a situation when the owner has rights to the house, but the land is not properly registered. In this case, you must first arrange real estate documents, and only then offer it to banks and other credit companies.

If the documents are in order, the site belongs to you on the rights of full ownership, then you have the right do any manipulation, including - to give as security to legal entities and private creditors.

Banks need additional guarantees in the following cases:

• employees are not satisfied customer solvency level;
• at the borrower bad credit history ;
• he needs larger amount than a regular consumer loan implies;
• the applicant does not work officially or receives a “gray” salary.

With a deposit the chances of getting a loan increase many times over. Banks are especially willing to issue targeted loans bail - for the construction, purchase of an apartment or house.

With collateral, you get a loan on more favorable terms:

• the interest rate goes down- even a few percent per annum in your favor give tens of thousands of saved rubles;
• loan term increases This means lower monthly payments.
• increase in loan amount– in proportion to the value of the collateral;
• easier registration process- the security service not so biased in studying credit history and requires less paperwork.

But not every plot of land will be taken by banks as collateral. The main requirement for land is that it must be liquid. Lenders do not need junk lands for which there is no demand.

Liquidity is the main requirement for land plots registered as collateral

Not only banks issue. Your site will be willingly taken as security MFI, pawn shops and other organizations that do not have the status of a bank.

But I must warn you that such companies, although they offer on paper even more profitable terms than banks, are interested not only in the interest on the loan, but also directly in your sites. The risk of losing land is increasing.

Also in this area full of scammers and scammers ready to take advantage of the financial illiteracy of citizens and their hopeless situation. By contacting them, you will not only receive no money, but you will also give away the land for next to nothing.

Experts advise dealing with banks. But if there are no suitable banking offers in your city, then at least check the status of these credit institutions before giving them bail.

Information about all legal entities is on the site tax service . To check MFIs, visit resource of the Bank of Russia Service for financial markets - there is State Register such organizations.

Be ready: the amount of the secured loan will be 40-50% less than the market value of the plot. In this way, creditors neutralize their risks in case you for some reason stop paying your debt and they have to sell your land in order to return the money.

2. What determines the size of the loan - TOP-5 main factors

Ideally you should be sole owner of the land. land in joint ownership take collateral less willingly. In this case, you will need the written consent of all other owners for real estate transactions.

If among the owners of the land there are minors, banks will certainly refuse to take it as collateral - it will be too troublesome to sue the site in case of non-payment of the loan.

Other requirements:

• area belongs to agricultural land or intended for individual housing construction;
• if there is a house on the site, you need to provide documents for it - ideally, owners of land with buildings can count on a large amount loan
• area or part of it does not belong to the state and is not located on the territory of a natural or historical reserve.

I repeat that the fundamental characteristic of the land, which affects the size of the loan, is its liquidity. This criterion, in turn, depends on location of the site, availability of infrastructure and communications, prospects for the development of the territory.

We will consider these and other factors in detail.

Factor 1. Location of the site

Creditors will not be interested in land located in a remote place on the outskirts of civilization. Give them plots in prestigious areas with developed infrastructure and away from industrial facilities. Does it matter availability of water sources nearby.

For reference

In the Moscow region, prices for plots reach 3-7 million rubles for 7-10 acres. The closer to Moscow, the higher the price. Every 10 km closer to the Moscow Ring Road is a plus of several million rubles.

At the same time, the value does not fall over time, but vice versa. Such areas are really liquid and desirable property for any lending institution.

Factor 2. The nature of the relief

If your site resembles a roller coaster - all in ravines, bumps and potholes or is located on a slope, the prospects for the development of the territory become uncertain. It will be expensive to build on such land, resting or cultivating a farm is problematic.

Factor 3. Land area

With this factor, everything is very clear - the larger the area, the higher the cost. The average size plot for the construction of a good country house or a cottage 6-10 acres. We do not live in Japan, nobody is interested in miniature plots of 10 by 10 meters.

Factor 4. Availability of access roads

If the road to your property is covered with a meter layer of snow in winter, and in the off-season there is impassable dirt on the access roads, such a pledge of creditors is unlikely to be of interest.

But if the site located in a prestigious cottage village with paved roads, its value will immediately increase.

Factor 5. Soil fertility

rocky, sandy, swampy soil- a big minus for farming.

Example

I have marshy land in my dacha, on which only weeds grow well. Cultivated plants here for some reason wither away. This is despite the fact that for the entire period of use, more than a dozen tons of black soil and fertilizers were brought here.

It is not surprising that a neighbor in the country, who just wanted to take out a plot as a pledge, the bank appointed ridiculously low price . Low liquidity, there it in a swing.

Let's take a break from reading, watch a video on the topic.

3. How to get a loan secured by a land plot - 5 easy steps

And now about the main thing, dear readers. We went straight to bank loan process. The procedure will go faster if you prepare for it in advance. Collect documents for the site before visiting creditors, since you will need these papers in any case.

And follow step by step instructions if you want to get a loan quickly and on favorable terms.

Step 1. Choose a lender

How bigger city, the higher the chances of finding a worthwhile offer. Take the time to choose options. Credit companies compete with each other, your task is to take advantage of this circumstance.

The ideal situation is when you make out a loan from a bank whose services you already use. Banks are especially loyal to those customers who have salary card . They will lower their rates and extend the loan term.

If you are looking for a lender from scratch, use comparison services on the Internet. The most objective information on the resources Banki.ru and Sravni.ru.

Choosing credit company, refer to:

• organization rating from reputable rating agencies;
• time on the market;
• customer reviews on independent websites and forums;
• availability of promotions and profitable offers.

Ideal conditions on the sites of numerous intermediaries or structures that do not have the status of banks, knowing people are more likely to alarm than attract. If the company is ready to issue money without verification credit history for any plot, expect a catch. No lender will work at a loss.

Step 2. Decide on a loan program and submit an application

Banks issue targeted and non-targeted loans.

The first option is preferable for those who need money for building or buying a house. But the bank in this case will require proof that the funds will be used for the stated purposes. Be prepared to show employees a project for a future home or a construction contract.

Applying now is easy - fill out the form on the website of the bank or MFI and wait for a response. If the decision is positive, you will be invited to the branch of the company to check the documents and sign the contract.

What papers are needed:

• extract from USRN, confirming the ownership of the land;
• title documents - on what basis did you acquire the plot ( contract of sale, act of inheritance, donation, exchange);
• cadastral plan;
• certificate of absence of encumbrances;
• boundary plan;
• consent of the spouse or other owners to alienate the land.

The borrower will be required to: passport, second document, 2-NDFL certificate, a copy of the work book.

Step 3. We are waiting for the real estate appraisal

Evaluation will be required in any case. You have the right to order it yourself - in this case the result will be more objective. But please note that such a certificate is valid only for 6 months from the moment of the procedure. Banks have the right to conduct an assessment themselves, but it is in their interests to underestimate the value of collateral.

Availability of property insurance increases the chances of getting a loan. If you give away the land along with the house, the policy will be required for sure. But, again, you have the right to independently choose the insurer and the terms of insurance.

Step 4. We conclude an agreement and receive money

Agreement - no way NOT FORMALITY, a important document, which is needed in without fail read before signing. Feel free to tell bank employees that you need time to study the agreement. And ask them for clarification on points that you do not understand.

All clauses of the contract are important, but pay special attention to:

• final rate;
• terms early repayment debt;
• conditions for calculating fines;
• the presence of commissions for financial transactions;
• your rights as land owner.

Read the text of the agreement carefully before signing it.

By law, the owner has the right to use the allotment at his discretion - erect buildings on it, rent it out, carry out agricultural work. But it's better to notify the bank of everything you want to do with the land.

Definitely not possible sell, donate and change her.

Step 5. We receive a payment schedule and pay off the debt

The money will be transferred to your card or issued in cash. Make sure you get all sum- in companies with a dubious status, they can easily deceive. For example, they will say that the money will be given out in parts for security purposes. We do not need such "security" - demand the entire amount at once.

Banks issue payment schedule, where it is indicated how much to pay each month from the date of registration of the contract. Follow this schedule to the letter, otherwise the fines will start to snowball.

If you transfer money through electronic systems or from another bank account, consider time delays and commissions.

4. Where to get a loan secured by a land plot - an overview of the TOP-5 popular banks

Not all banks work with collateral, especially land. But to give property under security - not the only way to borrow money. If you need a relatively small amount - within 300-750 thousand rubles easier to order credit card. Fast and no risk of losing property.

The review presents reliable banks with profitable loan offers .

issues loans up to 30 million rubles on the security of an apartment, house, land, commercial real estate. Taken under collateral even non-residential buildings with a plot and objects with a blocked building.

Unlike other banks, where the upper age limit of borrowers is limited 65 years old, Sovcombank will even serve 85 year olds clients. And it also works here. simplified system verification of the solvency of the applicant. Help 2-NDFL not required to verify income.

Loan term - from 5 to 10 years, the base rate is 18,9% . Required condition– the location of the subject of pledge in the area of ​​action banking product.

issues mortgage loans and consumer loans in cash up to 3 million rubles. At the time of writing, the reduced rate is 13,9% per annum.

The bank provides benefits for working pensioners and civil servants doctors, teachers, law enforcement officers. Maximum term credit - 3 years. Every client has the right to credit holidays duration 1-2 months.

Fill out an application on the site - the answer will come in 15 minutes. If the decision is positive, you will be invited to the bank branch with documents to sign the contract.

positions itself as the most advanced in the Russian Federation credit institution. There are no traditional branches and branches here: all operations are performed remotely. No queues, breaks, weekends and delays.

Available consumer loans up to 1 million rubles and credit cards with a limit of 300 000 and an interest-free grace period of 55 days. Cash loan rate - 14.9% on the card - 19.9% ​​per annum. The card will be issued and delivered to the desired address is free. The annual maintenance will cost 490 rubles.

4) Alfa-Bank

grants loans for any purpose up to 3 million and above (for payroll clients) with and without a deposit. More than 10 types of credit cards are available for all occasions. Card limits - from 300 000 before 1 million .

Each card has Grace period lending (60-100 days), during which no interest is charged on purchases and cash withdrawals. base rate on the map - 24,9% per annum.

5) Renaissance Credit

– if you need an urgent loan on the same day, order a credit card with a limit on the amount 200 000 rubles. You can use the card for 50 days without interest withdrawal. For the issuance and annual maintenance of the card bank does not take money.

"Renaissance" also issues ordinary consumer loans for any needs for up to 60 months. Upper limit - 700 000 rub.

Compare banking products:

№	Banks	Rate, in % per annum	Maximum amount, in rubles	Exclusive terms and offers
1		From 18.9	300 to 30 million	Simplified solvency check system
2		From 13.9	Up to 3 million	Credit holidays, benefits for civil servants
3

Pledge of a land plot is the provision to the creditor of certain rights to recover from the property belonging to the debtor in the event that the rules of official payments have been violated.

In fact, a pledge of a land plot is the same mortgage, in which real estate remains in the property of a person, but only as long as he regularly pays his debts. If the debtor fails to pay the due amounts or interest to the creditor, the land may be alienated in favor of the latter.

Both a legal entity and an individual can act as a creditor. To confirm the rights of both parties, it is necessary to conclude a well-drafted agreement on collateral obligations. Only after drawing up such an agreement, the concluded transaction is considered valid.

Of course, the pledge under the land plot has its own rules and regulations. So, under what circumstances can you issue a mortgage on a land plot?

1. When registering a pledge, the property remains in ownership, but the rights to dispose of it are limited.
2. If the land plot is registered for several share owners, the pledge is issued only if the written consent of all shareholders is received.
3. It is not allowed to impose collateral obligations on land located in a municipal or state property.
4. If the land is in lifetime, hereditary possession, it is also impossible to take a pledge under it.
5. AT loan agreement on land, a specific amount of payments may be indicated, as well as interest that must be paid for debt obligations.

The main rule for registration of mortgage under the ground- this is proof that the property belongs to this particular owner. To confirm their rights to land, a person can provide a cadastral passport. Not only the owner, but also the tenant of real estate can issue a pledge for a land plot.

Not only the tenant, but also the landlord must agree with the registration of the pledge. Registration of a pledge in this case is possible only when it does not contradict the Federal Law.

If the land is state-owned, you cannot take a loan or mortgage against it.

The status of the land plot is prescribed in cadastral passport. However, if the land (even if it is state-owned) is leased, pledge transactions with it are possible. So, the tenant can pledge his rental rights with the consent of the owners of the property.

Terms and conditions for applying for a loan

Decor credit obligations under the land plot is a very complicated and time-consuming task. Here it is important to collect the entire package of documents necessary for registration of a pledge, to take into account all the available nuances. What documents may be needed a person in the event that a loan is issued secured by land?

1. Cadastral passport indicating all information about the land.
2. All documents indicating the possible rights of third parties to the land
3. Boundary plan of the site, where there is all the information regarding real estate.
4. papers confirming market value land signed by a professional appraiser.
5. Correctly drawn up contract of pledge.

All these documents must clearly confirm the borrower's ownership of the land. He needs to provide a full range of information about the land plot, as well as the number of owners who have rights to this property.

If the property is registered to several persons, a special document is required confirming in writing their consent to a loan secured by a land plot.

In addition, it is necessary to correctly draw up a contract for imposing collateral obligations on land. Such an agreement contains information about the owner of the property, about the mortgagor, about the subject of the transaction and the value of the land. All this information helps to competently draw up a deal, so that after the conclusion of the contract, no questions arise from both parties.

AT this agreement collateral obligations are also usually prescribed (for example, the amount of payments and the amount of interest paid).

Using a properly drafted bond agreement, both parties can prove their rights if they have been violated. Also, this agreement prescribes the amount of payments, which cannot be increased. If the mortgagee demands an increase in the amount paid, the owner of the land has the right to apply to the court.

Another important piece of paper is the score sheet., telling about the true value of the land. The assessment is made by a professional on the basis of a whole group of criteria. What are the criteria?

1. The location of the site and its distance from the city.
2. Plot size and fertility of local land.
3. Presence of buildings on the site.
4. Purpose of this land property.
5. The presence of communications on the site (gas, electricity, water supply).

The evaluation must be done in money equivalent, and the total amount must not be less than cadastral price to the ground.

Typically, the mortgagor retains a group of rights to the land. So, for example, he can erect structures on a given plot of land without the knowledge of the mortgagee. In the future, the pledgor may dispose of these buildings at his own discretion.

In paragraph 1 of Article 64 of the Federal Law of the Law "On Mortgage" it is prescribed that a person can pledge land without the buildings that are located on it.

If the pledge obligations are violated and the land is alienated, former owner has limited rights (servitude) to those territories where the buildings erected by him are located.

Also, the owner may not pledge all the buildings, but only some of them.

A person who has taken a loan for a land plot is obliged to make sure that the land is in the same condition, its fertility indicators have not changed. If any indicators of the land plot change, the mortgagee has the right to demand a revision of the property valuation.

Mortgage and rules for filling out a pledge agreement

Many banks prefer not to issue mortgages secured by land. The thing is that certain risks are associated with this process, because it is sometimes too difficult to determine the true value of real estate. In addition, the land may suddenly lose its former value.

That's why banks prefer not to issue mortgages for land plots due too a big percentage risks.

Under the ground, both targeted and non-targeted loans can be issued. Target mortgage credit lending- extradition sum of money specifically for the purchase of an apartment or house, the non-target option involves spending Money for any purpose.

Banks prefer to lend target loan underground, and for a specific amount. Almost always, a land plot cannot cover more than 50% of the amount issued.

To apply for a mortgage, all the same documents are required, as for the conclusion of a pledge agreement. But banks still require information confirming the solvency of the client (entries in work book, references 2-NDFL). Banks also require originals and copies of passports of those persons who take part in this transaction.

When applying for a loan or mortgage for a land plot, all structures erected by the owner are taken into account in the calculation of the true value of the land. However, if in the process of paying collateral obligations, a person builds new buildings on the site, credit and mortgages do not apply to them.

The contract for a loan secured by land ownership almost always has the same form. If an agreement is entered into between individuals, then their full name and passport data are indicated in the appropriate fields. If the agreement is between legal entities , the document contains information about CEO and full company name.

The relevant agreement specifies the rights and obligations of the pledgee and the pledgor. The document also contains all the information regarding the land and the location of the site. The appropriate fields indicate the amount of payments, the term for issuing a loan or mortgage, as well as the rules for both parties to act in case of violation of the terms of the contract.

This document is considered valid only if it is signed by two parties (both in the case of individuals and in the case of legal entities).

Of course, obtaining a loan secured by a land plot is a complex and time-consuming process. Not all banks cooperate with those clients who want to take a certain amount secured by real estate. And yet, having correctly drawn up an agreement on joint cooperation and collecting all Required documents, a person will be able to issue a pledge without intermediaries and in a short time.