- What is redevelopment
- What repairs need to be approved?
- When do you need to obtain permission for redevelopment from Sberbank?
- Permission for redevelopment from Sberbank
- The main reasons for the bank's refusal to redevelop
- Documents required for approval of redevelopment in a mortgaged apartment
- Coordination of redevelopment - step-by-step instructions
- Conclusion
When moving to a new apartment, you always want to make it comfortable for living. However, housing purchased with a mortgage is in fact the property of the bank. Before making any repairs, we strongly recommend that you study the mortgage agreement and all the terms and conditions of the repair work.
Combining a bathroom and a toilet, dismantling a window sill, combining a kitchen with a living room, creating dressing rooms - all this is a redevelopment.
In this article you will learn:
- Is it possible to do redevelopment in an apartment with a mortgage from Sberbank;
- when is it necessary to obtain the bank’s consent;
- what documents are required for the Moscow Housing Inspectorate;
- Will the approval of a mortgaged apartment be different from the one that is owned?
Redevelopment of an apartment with a Sberbank mortgage 2021
› From December 17, 2021, Sberbank softened lending conditions for the purchase of apartments with remodeling. Now you can buy an apartment with a mortgage with almost any changes, except critical ones, which include: Destruction of load-bearing walls and changes in the boundaries of the apartment Illegal construction of loggias and terraces, moving radiators to the balcony Removal of gas equipment from the kitchen without permission The mitigation of conditions applies to apartments in apartment buildings on secondary market. As well as clients with both new and already approved applications.
The final decision on the approval of apartments with redevelopment depends on the results of a comprehensive inspection of the property by the bank. Sberbank is one of the most widespread banks in Russia, with branches in all corners of the country. It is not surprising that many people prefer to take out home loans here.
A mortgage imposes certain obligations on the disposal of the collateral property.
What repairs need to be approved?
Only those redevelopments that are reflected in the technical plan of the apartment are approved, namely:
- increasing the area of rooms at the expense of other premises;
- changing the boundaries of the bathroom, combining or dividing the bathroom with the toilet;
- installation of an additional bathroom, shower or bathroom;
- combining a balcony or loggia with a room with the installation of double-glazed windows;
- laying openings in load-bearing walls and ceilings;
- cutting new openings in load-bearing walls and ceilings;
- organization of additional premises - dressing rooms, built-in wardrobes, storage rooms, or their dismantling;
- installation of electric stoves in kitchens instead of gas ones;
- creating a kitchen niche or moving the kitchen to another part of the apartment.
Redevelopment can be done in any apartments if their original configuration and area allow it.
Removing the sill block and installing a French window, as shown in this image, is a remodel. This can be done in a mortgaged apartment, but must be agreed with the Moscow Housing Inspectorate. The procedure for legalization in MZhI is the same as for apartments without collateral.
APM-1 takes care of all the hassle of coordinating redevelopments of any complexity, including mortgaged apartments. Write to us on WhatsApp
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