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It’s cheaper to pay for your own apartment than take it on rent
If always this thing is correct? Scarcely. The cost of apartment’s rent is always cheaper, than buying the real estate at the primary or secondary market. But buying the real estate delivers moral satisfaction rather, than financial benefit. Buying the apartment is more than acquisitions of square meters of habitation or investment, it is some kind of independence.
Buying the real estate is satisfaction in one of main (ancient) human instincts - instinct of owner. Having personal territory gives us a confidence and it is the article of pride and sign of the proprietor’s status. Unfortunately, today the market of the real estate dictates the terms, that’s why not everybody can take square meters of the real estate. But banks can help you with money for buying the apartment right now.
Buying the real estate on credit is a very responsible step, such important as the marriage, because it is the choice for life and you must pay for it during 20 – 30 years in future. Therefore, before to do this, it is needed to see all pro et contra, to count the financial possibility to provide the payments and choose a bank.
In all these questions «BGT consulting» company can help you. We pick up you a bank, choose the optimum program of crediting, if necessary, choose similarly for you suitable insurance, evaluation company from companies which have accreditation in a bank. You only need to fill documents in our office – we’ll do all the other things. You don’t need to go to a bank, we’ll do it and save your own time. We conduct negotiations on behalf of the client with the bank’s manager and take failings documents if necessary.
Talk process and registration of agreements with the companies of evaluations and insurance, you similarly can shift on our shoulders. Actually we take all your problems, related to the receipt of a loan.
As we value our reputation and high degree of the banks’ loyalty to our company - we provide only high-quality services to our clients.
A minimum list over of necessary documents for the receipt of loan in the Ukrainian banks for buying the apartment is below:
• Xerocopy of passport (husband/wife)
• Xerocopy of certificate about the appropriation of identification number (husband/wife)
• Reference from job for the last 6 months, designed properly (with the monthly laying out, with the presence of date and output number, signature of director and chief accountant of a company, telephone number and address).
If you are working in small and medium entrepreneurship, you must have the following minimum package of documents:
• Xerocopy of testifying of state registration SME, testifying of registration the businessman or testifying of the right to carry on notarial and advocate activity;
• Xerocopy of certificate about registering of payer of taxes (form 4);
• Xerocopy of testifying to payment of the general tax - at the use of the simplified system of taxation;
• Xerocopy of reports of physical person - SME (form 3) for the last 3-4 quarters (depending on a bank).
It is a minimum package of documents, necessary for consideration of your business, the complete package of documents is determined after the choice of the proper bank, in obedience to its requirements to the grant of documents.
Now, we can see who, in opinion of our banks can be a borrower:
• Citizen of Ukraine
• Age of Ukrainians citizen can be from 21 to 60 years, but if a borrower is not 21 ago, some banks give out a loan under the individual programs
• Accordance the basic requirement of bank is a presence of stable profit, sufficient for redemption of sum of a loan and percents on it.
Term of crediting is from 1 to 30 years. Providing of a loan is the real estate which is bought for the loan’s money.
Loan currency can be: UAH, dollar USA, EURO and Swiss franc.
The sum of advance payment for the purchase of apartments hesitates from 5 to 30 percents depending on a bank.
Without primary advance payment a loan is given out only in the case of grant in gage of the additional real estate or lot land, which already is in ownness of borrower.
Coverage of credit makes from 65% to 90% (from the market price of the real estate) depending on a bank, by other words: if your apartment costs for example $100 000, it will be given out from $65 000 to $90000.
Also, depending on a bank, leeway of payment of a capital repaymant be allowed a borrower on 3 – 12 months.
After the receipt of all documents, bank makes the decision about a loan during time from 3 to 21 days, depending on the sum of a loan and chosen bank. Redemption of a credit and percents on it takes place monthly equal parts (anuitet) or in obedience to the graph of redemption of payments (standart).
Potential borrowers also need to take into account that delivery of the loan is accompanied such charges:
• Bank’s commission for delivery of the loan: from 1 to 2 percents from the loan’s size (depending on a bank and chosen type of the loan)
• Commission for delivery of available facilities of monies: from 0,3% (depending on a
bank)
• Payment of services of insurance company (in obedience to the tariffs of insurance companies accredited in the banks)
• Charges on services of evaluation company (in obedience to the tariffs of companies of evaluations accredited in banks)
• Payment of services of notary (in obedience to the cost of the notary services).
«BGT consulting» company will render you assistance not only in the choice of bank and also can help you to select the insurance and evaluation company with the most advantageous terms. The cost of all package of our services makes from 1% to 2% from the sum of the given out loan. Thus our client pays all services of company only after making positive decision about delivery the loan by the bank. Receipt of a loan is not very difficult, but is troublesome and need more time. Taking into account that a lot of different nuances is satisfied in bank products, and their amount is satisfied large, the Ukrainian banks however can be while compared to the European or American banks which can offer to several hundreds of different products with numberless in a number of nuances. So in Italy, for example, can not give out a loan, on the basis of that a potential borrower on 2 weeks exceeds a time limit payment of communal payments. Fortunately, our banks are not so emphatic and more loyal in relation to clients. Thus, if you want to accelerate the process of receipt the loan, you are a business man who not have spare time for passing paper procrastination and inevitable formalities, or you simply want to facilitate and simplify on your own the process of receipt the loan - we with gladness will help you and will satisfy your queries and wishes so that the best advertising for us in the future will become your recommendations.
We wish the success for your businesses.
With kind regards,
BGT consulting
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