Is there a mortgage for commercial real estate. Mortgage of commercial real estate

The possibility of obtaining a loan without down payment.
The possibility of obtaining a loan secured by the acquired property. Under agreements up to 30 million rubles, the conclusion of a mortgage agreement is not required (mortgage by virtue of law).
Postponement of principal repayment up to 12 months.
The possibility of obtaining a loan for an individual (for business owners, the loan amount should not exceed 50 million rubles).
Reduced rates on letters of credit: opening from 0.05%.
The seller can be both a legal entity and an individual.

Requirements for the borrower:

joint-stock company(AO);
public joint stock company (PJSC);
society with limited liability(OOO);
open joint stock company (OJSC);
closed joint stock company (CJSC);
natural person who is a citizen Russian Federation(with the exception of the acquisition of residential real estate), namely:
owner of a share in a small and medium-sized business enterprise;
individual entrepreneur;
sole executive body (director, general director) small and medium-sized businesses;
actual business owner.

If the borrower - an individual / individual entrepreneur has a spouse / spouse, it is necessary to issue a guarantee of the spouse of the borrower (instead of a guarantee, it is allowed to issue a consent in the form of a bank to conclude a loan agreement or provide a notarized consent).

Loan form:

credit;
line of credit with a disbursement limit (used only for the purchase and renovation of real estate).

Repayment order:

annuity payments when providing a loan product with a one-time crediting of the entire loan amount;
repayment of the principal debt monthly in equal installments;
individual schedule. In this case, a deferral of repayment of the principal debt is allowed:
with an amount from 3,000,001 to 120,000,000 rubles of the Russian Federation - no more than 12 months with a loan term of more than 12 months, subject to the reliability and solvency of the client. With a loan term of up to 12 months, it is allowed to repay the loan in the last 3 months in equal installments.

Guarantee:

Simultaneously:

major business owners with a combined share of more than 50%. If these guarantors have a spouse, it is desirable to provide his / her guarantee or issue consent in the form of a bank to conclude a guarantee agreement or issue a consent in the form of a bank to conclude a surety agreement;
the main companies (persons) of the group that are the owners of the main assets of the group of companies ( tangible assets and/or cash flows); the mortgagor in the case when the borrower and the mortgagor are different persons.

Pledge:

pledge of acquired real estate;
pledge of other property* owned;
guarantee of the SME lending assistance fund, equated to a pledge of liquid property.

* Pledge (mortgage) of a bill of PJSC Promsvyazbank; a security deposit placed by a borrower - a legal entity.

Payment methods with the seller:

non-cash payment under a covered letter of credit issued by the bank on behalf of the buyer in favor of the seller;
settlements in cash using an individual bank safe (provided that both parties (the seller and the buyer/borrower) are individuals, and the bank fully controls the settlement process);
wire transfer from the borrower's account to the seller's account (loan funds can be issued only after the submission of documents confirming the registration of the transfer of ownership of the property from the seller to the buyer, and the registration of a mortgage by virtue of the law on the property in favor of the bank).

Goals:

Acquisition commercial real estate(non-residential premises, non-residential building) on the security of the acquired real estate.
Acquisition and repair of commercial real estate (non-residential premises, non-residential building) on the security of exclusively residential real estate owned.

Possibilities:

acquisition of commercial property for the purpose of economic activity;
Acquisition/acquisition and repair of commercial real estate for the purpose of use in business activities.

Credit amount:

From 3,000,001 to 120,000,000 Russian rubles inclusive

Term:

up to 36 months

Own contribution:

0% - in this case, the loan amount must be fully secured by collateral.

Goals:

Acquisition of residential property ( residential buildings, apartments in apartment building, apartments in townhouses and a share in the ownership of the land plot on which the townhouse / apartment is located) with subsequent transfer to non-residential fund on the security of the acquired real estate / on the security alternative real estate owned.

Possibilities:

acquisition of residential real estate with subsequent transfer to a non-residential fund (available to borrowers other than individuals);
acquisition/acquisition and repair of residential real estate with further transfer to non-residential fund.

Credit amount:

From 3,000,001 to 100,000,000 Russian rubles inclusive.

Term:

up to 36 months

Own contribution:

0% - in this case, the loan amount must be fully secured by collateral.

Exorbitant rents are forcing business owners to consider buying their own commercial property. But what to do if there is no such large amount for the purchase, or you don’t want to withdraw it from your own business? Then the best option for you will be a mortgage loan for business. Let's see which companies and under what conditions offer this type of lending.

More about commercial mortgage

What is a commercial mortgage loan? This is the acquisition of non-residential premises on credit secured by property acquired by a businessman, or secured by premises owned by the borrower.

In order to get a commercial loan, entrepreneurs need to provide:

However, due to the lack of legislative acts, when purchasing commercial housing on credit, some difficulties arise. So, for example, there are many legislative acts on residential real estate. But there is not a single mention of commercial real estate. Therefore, with a mortgage loan last type bank customers are prohibited from taking out a mortgage on the purchased housing before the purchase and sale transaction is concluded. In other words, first a financial institution issues funds for the purchase, then the buyer takes ownership, and only after that a pledge is issued. But between the issuance borrowed money and the execution of collateral for the bank, there are some risks, so not every financial institution agrees to issue a mortgage loan for small businesses.

If we talk about other nuances, then a commercial mortgage loan is similar to target loan to buy a home. The program also provides for a down payment, valuation of the premises and property insurance.

As a rule, the loan period under such a program is up to ten years, the down payment varies within 15-20%, and the interest rate is from 9 to 17 percent per annum.

What do banks offer?

So, let's take a look at the offers from the largest banks and on what conditions they issue their loan.

The biggest Russian bank Sberbank offers its customers the design of the Business Real Estate loan product. Thanks to him, borrowers will be able to buy commercial real estate on favorable terms.

The loan term for such a package of services can be a maximum of 10 years. At the same time, the rate calculated from 11% per annum, a minimum amount is 150,000 rubles. And details about the program can be found at the link sberbank.ru.

VTB 24 Bank offers its customers loan product Business Mortgage. Thanks to him, you can buy commercial property, as a production room, retail space, warehouse or office.

Under this program, a small business owner can take out a loan from 4 million rubles for a maximum period of 10 years. In this case, the initial payment must be at least 15%. Upon receipt of a loan product, a client may receive a six-month deferment for the payment of the principal debt (but not for the payment of interest). Details about the program can be found at the link vtb24.ru.

Another bank that offers its own loan product under this program is RosselkhozBank with the Commercial Mortgage loan product.

The loan product is issued under the following conditions:

money is issued only for the purchase of commercial real estate;
under the program, you can take a maximum of twenty million rubles;
the maximum term that can be counted on is 10 years;
additional funds can be obtained for the repair of real estate;
you can get up to one year as a loan deferral;
You may not make an initial deposit.

Uralsib Bank offers its clients the Business-Invest loan product. This type of loan is especially useful if you cannot afford real estate, but at the same time you do not have the opportunity to save up for a room for too long.

The loan program allows you to buy not only commercial real estate, but also make repairs to the premises, purchase special equipment, upgrade equipment, or even buy ready business. The bank also has a refinancing program that allows you to pay off debts for commercial real estate to other banks.

The financial program offers the following lending conditions:

the minimum loan amount can be 300,000 rubles, and the maximum is in the millions;
the loan product can be issued only in rubles;
minimum term for which you can take a loan - half a year, and the maximum - 10 years;
the interest rate is initially unknown - it is determined only after the client provides all the papers and they are considered;
despite the fact that everything modern banks commissions for opening a loan were abolished long ago, Uralsib neglects this rule - as a result, the minimum commission is 25 thousand rubles, and the maximum is 105 thousand;
a financial company offers different ways to repay a loan product (including according to an individual schedule, when we are talking about seasonal business, equal installments or annuity payments);
the bank also provides several options for collateral for a loan - this can be a guarantee, various vehicles, real estate, and so on;
for the loan product compulsory insurance property;
the share of the borrower's participation in the project must be at least ten percent.

More detailed information on the loan can be obtained at the link uralsib.ru.

Which bank to choose?

The choice of a particular financial institution will depend on what conditions you need. For example, if you need a minimum interest rate, you can use the services of one financial company, if needed maximum size loan, another financial company will do. And of course, remember that the more “honest and transparent” your income is, the lower the interest on the loan will be and the greater the amount and term of payments.

In order to get as many chances for a mortgage as possible, you need to contact several financial institutions at once. This can be done, for example, using an online application. For example, to apply for a product from Sberbank, you need to follow the link sberbank.ru. And an online application from VTB 24 can be submitted at the link vtb24.ru. And of course, your chances of obtaining a loan will increase significantly if you have collateral or a guarantee.

Who can get a commercial property mortgage?

There are standard requirements that determine who can get a mortgage. As a rule, these are people 20-60 years old, whose business has existed for at least six months. In addition, their business must be registered in the region where there is a branch of the financial company in which the loan is taken.

In addition, many banks pay attention to the annual revenue of the company.

Terms and Conditions

So, let's look at what papers you need to provide in order for you to accept an application for a loan.

Required documents

As a rule, in addition to personal information (that is, a passport with information about registration and citizenship of the Russian Federation), the following documents are required:

documents proving that the entrepreneur really has his own business;
papers that testify to the main activities of the small business owner.

Mortgage schemes for commercial real estate

Since different companies operate in different ways, the payment schemes will be different ways. That is, payments can be made not only in annuity ways, but also in equal installments.

The bank also offers payment of the principal debt according to the schedule. This method of payment is especially useful for those businessmen who carry out their activities seasonally.

Pros and cons of mortgages on commercial real estate for individuals

This product has both advantages and disadvantages. So, for example, the disadvantages include the following points:

despite the fact that a commercial real estate loan is maximally similar to a housing loan, it has more long term, and rarely when a loan decision is made earlier than 5 days;
also, some financial organizations charge a fee of 1-2% for consideration of an application for this loan product;
unfortunately, this loan product is issued far everywhere, and, most often, only in large cities.

Naturally, there is also positive sides. And here are just a few of them:

so, for example, some financial institutions provide their customers with a deferment on the payment of the principal debt for a period of six months to a year;
banks offer different payment schemes for the loan - it can be either payment in equal installments or "seasonal" payment of the loan;
some financial institutions also do not require a mortgage on a mortgage loan.

You can learn about the features of mortgage lending from the video.

If banks offer mortgages to private clients on residential real estate, the demand of legal entities is met by financial institutions with the opportunity to obtain a secured loan for the purchase of commercial space.

Commercial mortgages for legal entities are issued for the purchase of retail, office and warehouse premises, as well as land plots.

Features of a commercial mortgage

If a conventional mortgage is issued to an individual for a period of up to 30 years, a commercial property mortgage regulates much less loan terms - from 5 to 10 years maximum.

Interest rates on loans for legal entities are somewhat higher, starting from 13.5-14% and can reach up to 19.5%. The down payment does not differ from the one regulated by the terms of a residential mortgage and ranges from 10 to 30%. Some banks practice issuing a loan without a down payment.

With regard to the duration of the process, small and medium business also waiting for long processes of consideration of the application, verification of documents and loan processing, subject to a positive decision of the bank.

Benefits of a commercial mortgage for a borrower

The main advantage of a commercial mortgage for the borrower is to purchase your own premises for doing business in a short time. Availability personal office, shop, warehouse or industrial premises makes the entrepreneur independent of the increase in prices for renting commercial space. Of course, on a monthly basis, a legal entity will pay a certain amount of money to the bank, but this payment will be for personal property, and not for rent.

What are the advantages of commercial mortgage banks offer to the client? Sberbank, for example, guarantees the following conditions for 2019:

Financing is not only secured new real estate, but also an existing immovable object.
Extended terms of mortgage lending up to 120 months.
Accounting for the specialization of the client's economic activity at the time of making a decision to issue a loan.
Possibility to repay the existing debt on loans from other banks and leasing companies.
Opportunity to purchase properties under construction from developers accredited by Sberbank.
No fees for issuing loans and early repayment mortgages.

Bank VTB 24 offers the "Business Mortgage" lending program with its main advantages:

Loan term up to 10 years.
Possibility of lending without making an advance, subject to additional collateral.
Postponement of principal repayment up to 6 months.

pros mortgage loan for legal entities in Rosbank:

Postponement of principal repayment up to six months.
No commission for early repayment.
Issuance of mortgages on a wide range of real estate for business development.

Features of the commercial real estate market

To date, commercial mortgage is only at the stage of development, primarily due to the fact that Russian legislation with a significant difference, it regulates residential mortgages and lending to legal entities for the purchase of commercial real estate. In the case of buying a home, the sale and purchase agreement is drawn up simultaneously with the mortgage and mortgage agreements.

Acquisition of commercial real estate is more difficult. A pledge encumbrance on an immovable object cannot be imposed immediately, the contract is drawn up only after the transfer of ownership to the buyer. Such a period of time for the bank is a risk zone in order not to lose your money, credit organizations different schemes are used.

In addition, commercial real estate is much more difficult to evaluate compared to a residential apartment or a private house. Housing lending developed at the proper level, banks divide all objects into liquid and illiquid, liquidity criteria - technical characteristics of the premises, location, and so on. The assessment of the liquidity of commercial space is considered individually.

With office and retail premises, the situation is very clear - the cost of the object directly depends on the location, distance from the city center, traffic, nearby strategic points, and so on. But how to evaluate warehouse and industrial premises - it is much more difficult to determine the liquidity of such areas.

When choosing commercial real estate, you should calculate its liquidity as much as possible, this will increase the chances of a positive decision of the bank. financial institution will quickly issue a mortgage in a large amount for the purchase target premises in a strategic center, which will give out a small amount for the purchase of a retail space located in an inconvenient place for buyers.

Requirements for the borrower and necessary documents

A loan in the form of a commercial mortgage is issued on certain conditions, in addition, the borrower must meet the requirements of the bank. The main criteria that the client must meet:

The borrower's company is a resident of the Russian Federation.
The company's annual revenue does not exceed 400 million rubles.
The minimum age of the borrower is 21 years, the maximum age is 70 years at the end of the loan (age restrictions apply to individual entrepreneurs).
The term of the company's activities is at least six months for all types of work, except for seasonal ones, at least twelve months for seasonal types of activities.

A package of documents for registration of a mortgage on commercial real estate:

Application for a loan.
Questionnaire.
Constituent documents, as well as registration documents of a legal entity or individual entrepreneur.
Documents on economic activity.
Financial statements.

Complete and accurate list required documents you should find out in the branches of a particular bank, the conditions in different banks may differ.

The procedure and schemes for obtaining a loan

Commercial mortgage does not have a reliable legislative regulation and carries certain risks banking organizations. To reduce these risks to a minimum, banks use various registration schemes mortgage loans for legal entities, which, by the way, bears certain disadvantages for the borrower. There are three main schemes for obtaining and issuing a loan for the purchase of commercial real estate.

Registration of a mortgage according to scheme No. 1

This is the longest, but the most transparent procedure for issuing a loan, the stages of the scheme:

The seller and the buyer enter into a contract of sale.
The buyer pays the seller a down payment from his own finances, the bank, in turn, guarantees the receipt of the rest of the money to the seller's account after the pledge is issued.
The buyer registers ownership of the immovable object
The buyer and the bank draw up a pledge agreement for the acquired property.
The bank transfers the mortgage money to the seller's account.

Registration of a mortgage according to scheme No. 2

The second scheme includes the following stages of the transaction:

The buyer pays the seller a down payment from his own Money, the bank provides the seller with a guarantee to receive the remaining amount after the collateral is issued.
The property is pledged to a credit institution.
The change of ownership of real estate is registered, a contract of sale is drawn up.
The bank transfers the remaining money to the seller.

Loan processing according to scheme No. 3

The third scheme differs significantly from the first two, it consists of the following stages:

A legal entity is registered, the property is transferred to its ownership.
The buyer redeems the ownership rights of this legal entity with the loan funds provided by the bank.
After repaying the loan, the buyer has the right to re-register the immovable object for himself or leave everything as it is.

Before proceeding with the direct execution of a mortgage and related agreements, banks carefully check legal purity business of the borrower, as well as the property.

Also, bank employees can offer the borrower the representation of his interests in the registration services, thus, the representative of the credit institution takes care of all the paperwork, which allows the borrower to save time, get rid of the need to run through various services, and also reduces the risks of monitoring all stages of the process.

Commercial mortgage with no down payment

A commercial mortgage without a down payment is a tempting offer at first glance, but is it really so beneficial for the borrower? Some banks offer their clients a similar condition, explaining that the purchased property will be pledged anyway.

A commercial mortgage without a down payment can be issued in the event that the acquired property is assessed as the highest category of liquidity. In this case, the real estate itself acts as a kind of insurance and covers the risks of the bank, provided that the borrower is unable to repay the mortgage loan. However, it should be understood that this is only one of the options.

In most cases, if the bank is coming for concessions to the borrower and offers loans without a down payment, which means that the amount of the advance is replaced by provision of additional collateral to the bank. The client will have to draw up a pledge agreement for a vehicle owned by a legal entity or other real estate.

Another option additional conditions extradition commercial loan without making a down payment shortening mortgage payments, for example, if a mortgage for legal entities can be issued for up to 10 years, in the absence of an advance payment, the bank reduces the mortgage repayment period by a third.

Commercial mortgage for individual entrepreneurs

A commercial mortgage for an individual entrepreneur can be issued if an individual entrepreneur meets the requirements of the bank, in particular, credit organizations refuse to issue a mortgage to persons who conduct business under a simplified taxation scheme. In this case, the bank cannot assess the real income and solvency of the client, therefore, it makes a negative decision.

If the borrower satisfies the requirements of the bank, the bank issues a mortgage loan, regulating the process as working with individuals. In fact, the registration process is no different from the issuance of a commercial mortgage to legal entities.

A commercial mortgage gives legal entities and individual entrepreneurs a chance to purchase real estate for doing business in a short time. Although the terms of a business loan are less attractive than residential mortgage, Considering high income borrower, the option is optimal.

Video: The nuances of a commercial mortgage

The real estate market includes not only apartments and houses required by an individual, but also non-residential property that various organizations and organizations need. manufacturing enterprises. Legal entities and entrepreneurs, mortgages on commercial real estate are used to expand warehouse space, production lines, retail and administrative space.

This option for registering new property is recognized by many organizations as especially beneficial, and for some it is the only one. possible way consolidate and increase its sphere of influence, as free financial resources not all successfully developing companies have enough. The topic of buying real estate is most relevant for entrepreneurs and managers of small and medium-sized businesses. For individuals who purchase commercial real estate, this purchase is an opportunity to generate a stable income from renting out an object.

Features of a commercial mortgage

Among many others banking services special attention deserves a commercial mortgage, which allows you to become the owner of not housing stock involving bank funds on the same principles as a classic home loan.

Mortgage programs for commercial real estate are a fairly new phenomenon in Russia. The first targeted mortgage loan programs for legal entities and entrepreneurs emerged during the last decade. The relatively low popularity is explained by the fact that these properties are in demand by a narrow category of borrowers, small business owners, whose share recently does not exceed 1/10. For some organizations, the purchase of commercial property on a permanent basis is useless - it seems more preferable and less burdensome to rent non-residential real estate for the needs of the company.

Each case of mortgage of commercial objects is unique and requires a purely individual consideration. Nevertheless, there are general parameters on how to get a mortgage on commercial real estate in Russian banks:

The terms of registration and repayment involve a high degree of risk, which makes it necessary to impose more stringent lending conditions. The company must demonstrate stability and profitability, and the loan is issued under more high interest with a short maturity (within 10 years). With a down payment of at least ¼ of the total cost of the object.
Higher rates can be 2 percent or more different from a standard home loan.
Only companies that can confirm a stable income can apply for a loan.
There are difficulties in the registration and approval process, which involve the initial execution of a purchase transaction and the further transfer of funds to the seller after agreement with the creditor. Finding an owner who is ready for such terms of the transaction is problematic due to the high risk of failure at any stage of the procedure.
The process of registration and coordination of conditions with the bank takes a lot of time. More than with normal bank financing individuals.
Unlike the housing stock, it is difficult to evaluate commercial real estate due to the lack of any approved standards. Traditionally, a secured property is considered promising from the point of view of a financial institution if the area exceeds 150 square meters and is in good condition.
The probability of refusals is higher than in the retail sector of lending to individuals, since less liquid real estate becomes the object of collateral, which will subsequently be difficult to sell at a profit. Banks are trying to refuse or are reluctant to lend to legal entities and individual entrepreneurs when it comes to a warehouse or space for expanding production.

Heads of enterprises and individual entrepreneurs who intend to long term reduce the cost of activities, interested in the possibility of saving on rent. Mortgage loan is usually equivalent to rent. In addition, the payment to the bank is a fixed amount in the contract, while rental costs can seriously increase over time.

The procedure for obtaining a mortgage on non-residential property includes several stages. A feature of this program is the invitation of a bank representative to assess the financial situation with the borrower, as well as thorough preparation for the transaction. In addition to the documents of the client himself, you will need to collect papers for the collateral object.

The purchase of commercial real estate involves the collection of documentation when preparing an application to the bank, but there is no single list that must be submitted for registration. Each bank independently determines the exact list, taking into account the individual situation and status of the client. Thus, for registration of a commercial mortgage for individuals, entrepreneurs, officials of the organization, the lists will differ.

Regardless of the status of the borrower, before applying for a loan, they collect a standard list of securities:

Passport.
Document on marriage, birth of children (if any).
Military ID (if the borrower is liable for military service).
Certificate of assignment of the taxpayer number.
Bank account statements.
Documents confirming the property status - certificates of ownership.
Preliminary contract of sale for the acquired object.
Expert opinion on the value of real estate.
Insurance documents (personal insurance, property insurance).
A document confirming the seller's rights to the object of sale and the absence of encumbrances.

The above list is prepared in case of acquisition by an individual, individual entrepreneur or organization in without fail. The rest of the papers are collected based on the requirements of the financial institution.

To purchase business real estate in the interests of the organization, they collect a list that reflects financial position and the degree of economic reliability of the future borrower. The representative of the organization prepares:

Semi-annual report of commodity-money turnover.
Accounting reports reflecting the expenses and income of a legal entity.
Statement of accounts of a legal entity and movements on them.
The balance sheet of the enterprise.

Additionally, for individual entrepreneurs, you will need to submit to the bank:

Certificate of individual entrepreneur.
Income tax return.
Certificate of absence of debts on tax payments.
Extract from EGRIP.
If the activity is subject to licensing - the appropriate permit.

Additionally, when applying for a loan, the following documents are provided by the main persons of the company:

A document confirming the work experience of a particular person in the position of the head of the enterprise (at least 6 months).
Information about the labor income of the head.

Due to the high risk of cooperation with private companies, especially representatives of small and medium-sized businesses, the sphere of lending for the purchase of commercial real estate is not widely developed. Limitations for expanding activities in this area are:

The unwillingness of many creditors to risk their own finances in case of default.
Limited coverage of mortgage programs.
A small number of active offers, within the framework of which a number of bank conditions are put forward in relation to the acquired property.

Commercial premises for individuals and organizations must meet certain parameters that affect the liquidity of collateral:

area from 150 square meters;
the object is part of capital development;
there are no encumbrances and claims on real estate by third parties;
location - in the region where the loan was issued.

Commercial mortgage for individuals and organizations allows you to purchase premises intended for:

administrative needs;
trade;
organization of production;
creation of new outlets in the service sector.

A careful study of the proposals operating in a particular territory will allow you to choose the best design option.

Search the best offer should start with selection financial institutions, providing such a service as a mortgage for commercial real estate for individuals and organizations. The parameters of such lending options are more stringent, and the repayment periods are short.

Sending a request immediately to banks that work on business mortgages will allow you to identify the most advantageous offers.

Sberbank.
Alfa Bank.
RSHB.
Absolute.

Having studied the information on each of the proposals, it will be easier for the borrower to determine the most suitable loan according to the conditions and requirements.

Sberbank

The Business Real Estate project can be used by representatives of small businesses and entrepreneurs who intend to purchase commercial real estate on a mortgage secured by existing property while repaying previously taken debts to other creditors, including leasing companies.

In Sberbank, it is possible to issue a loan for objects already commissioned and under construction, provided that the development is carried out by accredited companies.

The main parameters of the offer:

Credit line from 150 thousand to 200 million rubles, depending on the location. In some cities, the lending limit reaches 600 million rubles.
The minimum percentage is from 11.8%.
Repayment period is not more than 10 years.
The amount of the minimum down payment is limited to 25% of appraised value object, for countryside- from 20%.

As additional security, the lender may request the involvement of guarantors and letters of guarantee from other companies. This opportunity especially beneficial for individual entrepreneurs who need to convince the bank of their reliability and timely repayment of the debt.

The VTB 24 program is designed for all types of objects for commercial use and offers:

a credit line of 10 million rubles;
a rate of 13.5% per annum;
repayment period within 10 years.

A special feature of the proposal is the reduced amount of the first installment - from 15 percent of the appraised value of the acquired object, and if an additional collateral You can even do without the down payment.

VTB Group Bank of Moscow allows you to buy on a business mortgage land worth up to 150 million rubles with a repayment period of up to 7 years.

The borrower is allowed to buy residential property with the possibility of further transfer to non-residential stock. Instead of the first installment, it is allowed to use an additional pledge, security deposit, guarantee of the guarantee fund.

Mortgage offer of Rosbank involves individual conditions arrangements within the following limits:

rate 13.34–15.19%;
loan amount - 1–100 million rubles;
repayment within 3–84 months.

The repayment of the debt is carried out in equal installments, the entire amount at once or according to an agreed individual schedule.

Alfa Bank

Alfa-Bank will help to purchase commercial real estate with a mortgage in the amount of 2.6-78 million rubles. The amount of the first installment must be at least 20.0%. The loan is issued at 18 percent per annum.

Arranging business loans and individuals, intending to become the owners of a new non-residential facility, Rosselkhozbank offers at individual interest rates (from 11.5%) in the amount of up to 20 million rubles. The loan is issued for 10 years without requiring a down payment.

The issuance of funds involves the collection of commissions from borrowers-organizations. The funds received can be used not only for the purchase, but also for the repair of real estate. As security, the client can offer a guarantee, vehicles or equipment as collateral.

Absolut Bank

The Absolut Bank program provides for the most comfortable and quick loan processing at 17.45% per annum in the amount of at least 1 million rubles. The final amount is limited to 60 percent of the appraised value of the object, with the provision of additional security, you can increase the amount credit line up to 80%, but not more than 9–15 million rubles (depending on the location region).

Are high rental rates forcing you to consider purchasing commercial real estate? However, you don’t want to withdraw a large amount for the purchase from the turnover of your business, or is it simply not possible? Then a business mortgage is the perfect option for you. Let's try to figure out under what conditions banks are ready to provide such a loan to a company.

commercial mortgage is the purchase of non-residential premises on credit secured by the acquired real estate or secured by commercial premises owned by the borrower. To obtain a business mortgage, small businesses need to submit to the bank: title documents (certificates of registration and tax registration), documents on the borrower's main activity ( tax returns, reporting, balance sheets).

But there are some difficulties due to insufficient development of legislative norms. The Law “On Mortgage” deals only with residential real estate, there is not a word about commercial real estate. With a commercial mortgage, borrowers are prohibited from making a mortgage on the acquired property before the conclusion of the purchase and sale transaction. That is, first, the bank issues money to the borrowing company to purchase real estate, after which the buyer takes ownership and only then a pledge is issued. And between the procedure for issuing a loan and obtaining collateral, there are risks for the bank, because of this, not all banks provide commercial mortgages.

Otherwise, loans for the purchase of non-residential premises are similar to mortgage credit lending when buying a home. Obtaining such a loan involves making a down payment for the purchased property, as well as its assessment and compulsory insurance. The term of such a loan is up to 10 years, the initial payment is from 15% of the value of the acquired property, interest rates- 9-17% per annum.

What do banks offer?

The lowest bid on a loan for small businesses they offer in Rosbank, from 9% per annum. The amount of a mortgage loan varies from 1 million to 40 million rubles, for a period of up to five years with a possible deferral of repayment of the principal debt up to 6 months. Minimum size down payment - from 20% of the value of the purchased property. There are no commissions for processing a transaction and early repayment of a loan.

A business mortgage can also be obtained without a registration fee at Sberbank, Khanty-Mansiysk Bank, My Bank, Intekhbank and Transcapitalbank. Fixed fee - in Binbank (1.1% of the transaction amount), UBRD (1.5%), NOMOS-Bank (1.5%) and Primsotsbank (2%). For processing a loan at Metkombank, MTS Bank, Absolut and Ak Bars banks, you will have to pay a commission of 0.5%, in Pervobank - from 0.2%, in Izhkombank - from 1%, in Sovetsky - from 2%.

For many banks, the upper ceiling for such loans is determined individually and depends entirely on financial condition borrower. For example, in Credit-Moscow Bank, VTB24, Sberbank, Binbank, Khanty-Mansiysk Bank, Solidarity Bank and Primsotsbank. Among those who have maximum amount a loan for the purchase of non-residential real estate has been determined, Uralsib Bank has become the most generous, it is ready to provide a loan of up to 170 million rubles. You can take a loan of up to 100 million rubles at Promsvyazbank, My Bank, Intekhbank and Ak Bars Bank.

The most patient credit institutions - Promsvyazbank, Sberbank, Binbank, VTB24, Absolut Bank, Zapsibcombank, Zenit, Uralsib, Solidarity, Ak Bars, NOMOS-Bank and Transcapitalbank. They are ready to provide loans for the purchase of commercial real estate for up to 10 years.

You can apply for a commercial mortgage without a down payment at Credit-Moscow Bank, Khanty-Mansiysk Bank, VTB24 and NOMOS-Bank. However, there are a number of limitations. For example, only those whose company is registered in the regions of the bank's presence - Moscow, St. Petersburg, Belgorod, Ryazan, Volgograd, Voronezh will be able to use this product in Credit-Moscow. In the Khanty-Mansiysk Bank, you need to provide guarantees from business owners (for legal entities), a spouse (for individual entrepreneurs). And VTB24 is ready to lend without an advance payment only if additional collateral is available. The situation is standard for the market, when the bank is ready to pay 70-85% of the cost of the purchased property.

Standard requirements for a borrower– the minimum period of existence of the business (6-12 months), the age of the borrower (20-60 years) and the registration of the company in the region where the bank is present. However, for many banks, an important factor in issuing a loan is annual revenue enterprises.

For example, only small businesses with an annual revenue of no more than 400 million rubles can use the Business Real Estate program at Sberbank. To get a loan from Metkombank, your company's annual revenue should not exceed 1 billion rubles, from Binbank - 900 million rubles, from UBRD - 700 million rubles. In Ak Bars Bank - 400 million rubles for small businesses, 1 billion rubles - for medium-sized businesses. Another requirement for obtaining a loan in some banks may be staff size your organization. In Primsotsbank and MTS-Bank, this is at least 100 people.

When making business mortgages will ask you to open a current account with Rosbank, MTS-Bank, Izhkombank and Sovetsky Bank. Also, for many banks, it is important that negative credit history or negative business reputation of the borrower. Zenit Bank requires that the directors or shareholders of the borrowing enterprise have not previously owned or managed enterprises that have been declared bankrupt or have had a long period of insolvency.

NOMOS-Bank will ask you to provide documents proving that your company has no overdue debts to the budget and counterparties. And Primsotsbank will issue a loan for the purchase of commercial real estate, if financial results activity of the borrowing company has a positive value.

As seen Because of the requirements, getting a commercial mortgage is sometimes a hassle. However, remember that the competent use of commercial premises is the key to successful business development and a guarantee that the income received will significantly exceed the amount of loan payments.

Top 25 most profitable loans for the purchase of commercial real estate
October 2013 data

№	bank, credit	Min. bid	Max. sum start of work	Term	Conditions	Min. original size contribution	Transaction processing fee
1.	Rosbank, Commercial mortgage	9,00%	40 million rubles	Up to 5 years	Requires opening a bank account	20%	absent
2.	Credit-Moscow, Real Estate	9,50%	From 1.5 million rubles	Up to 3 years	The period of operation of the enterprise is at least 6 months. no negative credit history	0%	depends on the amount, term of the loan and the financial condition of the borrower
3.	Promsvyazbank, Commercial real estate	10,00%	100 million rubles	Up to 10 years	The age of the borrower is 23-60 years; The term of the business is at least 9 months; The company has a permanent registration in the regions of the bank's presence - at least 6 months	20%	There is no data
4.	VTB24, Business Mortgage	10,10%	From 4 million rubles	Up to 10 years	Possibility of lending without advance payment, subject to additional collateral	20%	There is no data
5.	Sberbank, Business real estate	10,69%	Not limited	Up to 10 years	A company-resident of the Russian Federation with an annual revenue of more than 400 million rubles, registered at least 6 months ago	20%	absent
6.	Loko-Bank, Business Mortgage	11,90%	30 million rubles	Up to 5 years	The term of the business is at least 12 months	30%	There is no data
7.	Metkombank, Commercial mortgage	12,00%	50 million rubles	Up to 7 years	Russian resident company The term of conducting economic activity is not less than 6 months. The amount of annual revenue is up to 1 billion rubles. Location and registration of business - in the region of the bank's presence	15%	From 0.5%
8.	Binbank, For real estate	12,40%	From 300 thousand rubles.	Up to 10 years	Russian resident company; annual turnover - from 60 to 900 million rubles	20%	1,10%
9.	MTS Bank, Investment loan	12,50%	80 million rubles	Up to 5 years	The age of the borrower is 20-60 years; permanent registration in the region where the bank is present; opening a settlement/current account with MTS Bank; number of employees - no more than 100 people	There is no data	From 0.5%
10.	Khanty-Mansiysk Bank, Commercial Mortgage	12,75%	From 50 thousand rubles	Up to 5 years	Russian resident company; The company is located in the regions where the bank operates; no negative credit history or negative business reputation	0%	absent
11.	My Bank, Commercial real estate	13,00%	100 million rubles	Up to 3 years	The company is located in the regions where the bank operates	30%	absent
12.	Absolut Bank, "Investment"	13,00%	40 million rubles	Up to 10 years	The term of the business is at least 1 year;	15%	From 0.5%
13.	Ural Bank for Reconstruction and Development , Business investment	13,50%	30 million rubles	Up to 7 years	The age of the borrower is 21-60 years; The term of the business is at least 6 months; The volume of revenue is not more than 700 million rubles per year; the value of the property is not more than 60 million rubles.	20%	1.5%, but not more than 50 thousand rubles.
14.	Zapsibkombank, Mortgage for business	13,50%	10 million rubles	Up to 10 years	The term of the business is at least 6 months; Location of the company in the regions where the bank operates	20%	There is no data
15.	Intechbank, Commercial mortgage	14,00%	100 million rubles	Up to 5 years	Russian resident company; The company is located in the regions where the bank operates	15%	absent
16.	Bank "Zenith" , For real estate	14,00%	75 million rubles	Up to 10 years	Managers or shareholders of the enterprise were not previously owners or managed enterprises that were declared bankrupt or had a long period of insolvency	30%	There is no data
17.	Pervobank, Mortgage	14,00%	50 million rubles	Up to 7 years	The term of the business is at least 6 months; no negative credit history or negative business reputation	30%	From 0.2%
18.	Izhkombank, For the purchase of commercial real estate	14,00%	30 million rubles	Up to 5 years	Presence of a current account in Izhkombank	30%	From 1%
19.	Bank "Uralsib", Business Mortgage	14,25%	170 million rubles	Up to 10 years	Collateral insurance required	20%	There is no data
20.	Solidarity Bank, Commercial Mortgage	14,50%	From 500 thousand rubles.	Up to 10 years	The age of the borrower is 21-65 years; At least 6 months of work experience at the last place of work); Registration in the territory of the bank's presence	20%	There is no data
21.	Bank "Ak Bars" , For the purchase of commercial real estate	14,50%	100 million rubles	Up to 10 years	Legal entities, individual entrepreneurs with an annual revenue of 400 million rubles for small businesses, up to 1 billion rubles for medium-sized businesses	30%	From 0.5%
22.	NOMOS-Bank, Commercial mortgage	14,50%	50 million rubles	Up to 10 years	The term of the business is at least 6 months; Location of the company in the regions where the bank operates; no arrears to the budget and contractors	0%	1,50%
23.	Bank "Soviet" , Business mortgage	15,00%	7 million rubles	Up to 5 years	Russian resident company; business life - at least 12 months; The company is located in the regions where the bank operates; opening a bank account	20%	From 2%
24.	Primsotsbank, Business Mortgage	15,50%	From 100 thousand rubles.	Up to 6 years	The period of operation of the enterprise is at least 12 months; the main business and pledge are located no more than 200 km from the city in which the bank has a presence; the financial result must be positive; no more than 100 employees	There is no data	2%, but not more than 50 thousand rubles.
25.	Transcapitalbank, Business Mortgage	17,50%	30 million rubles	Up to 10 years	The age of the borrower of the individual entrepreneur / guarantors is from 21 years old; actual work experience in trade for at least 3 months, production and services for at least 6 months	30%	absent

Nikolai Novodvidsky, Credit for Business. RU

Business Loan Application

Your application will be sent to several banks in your city, which are engaged in lending to small businesses. You can select one or several banks at once.