Money for restructuring: where do they give credit for apartment repairs?

If you decide to speed up the procedure for transforming your living space, then help is targeted loan programs with financing repairs. Their distinctive feature is the requirement to attract professionals - to pay cash with a brigade of guest workers at the expense of borrowed funds will not work. In which bank is it better to take out a loan for apartment repairs , and where are the most suitable conditions for converting your family nest?

Half a million from the bank "Orient Express"

This bank is ready to provide an amount of up to 500,000 rubles for 1-5 years to improve the quality of life - repair an apartment or a house. "Orient Express" will contribute to the renovation of your home for a fee of 23.5% per annum if you are a regular customer, and from 26% per year, if you came to the bank for the first time. A loan for the repair of apartments is issued without attraction of guarantors or registration of a pledge.

The decision to issue the said financial organization takes 5 minutes, and for registration you need a general passport and one of the documents for real estate:

• Certificate of ownership;
• Privatization contract;
• contract of sale;
• will;
• the court's decision;
• Contract of hiring of official housing.

The age limit is set from 21 to 65 years, but to younger generation representatives - up to 26 years - the requirements are tougher: in order to apply for a loan to repair apartments here, they will have to prove their own solvency and confirm their employment.

Arrangement of the apartment "turnkey" from "KreditEvropanka"

Not only credit for repair of apartments can be financed with the help of "CreditEurope Bank" - borrowed funds can be used to purchase finishing materials and purchase of goods for home and interior. You can become a client of a financial institution without a personal visit to the branch, it is enough to apply to the bank's partner organization, which provides the services you need or sells the necessary goods for repair.

This consumer loan is available to repair the apartment to Russian citizens from the age of 21, and women can take money from 20 years with paying 10% of the expenses out of their own pocket. For the approval of the application, besides the passport, it is necessary to present additional documents, including a certificate of income and a certified copy of the work record book.

You can take up to a million rubles for up to 5 years. Terms of borrowing and the cost of funds are determined depending on the chosen loan program. You can place an instant loan for 3-12 months at 21.5-30.3% per annum or a standard loan for two years and at 17%. Or for 5 years at 23-25% per year for the program "Simple Choice".

Overhaul of housing with the bank "Rus"

There are own programs in regional banks. So, "Rus" provides money to overhaul the living quarters or to complete the construction of the country house and finish it. The pledge for the loan is a renovated apartment or an object of unfinished construction, and subsequently the private house itself.

Obtain such a mortgage loan for repair of apartments can residents of the Orenburg region in the amount of no more than 60-70% of the estimated value of the property - ranging from 100 thousand to 1 million rubles. The term of repayment of borrowed funds can reach 7 years. The interest rate on the loan is from 13 to 25% per annum.

For this consumer loan, not only employees aged 21 or over, but also pensioners, budget employees, individual entrepreneurs and self-employed private individuals - notaries and lawyers, whose banks usually do not really like it, can claim the above-mentioned consumer credit for apartment repairs. The list of necessary documents includes not only securities that confirm the stable financial state of the client, but also a package of securities for registration of the mortgage agreement. In addition, it is necessary to insure the subject of collateral, and if desired, you can apply for a personal insurance policy or attract a guarantor to reduce the rate.

As you can see, there are many options as to how and where to get a loan for repairing an apartment in the domestic market of banking products, so you can choose the right solution for yourself without much effort, you just need to carefully read all the offers.