Which developers offer apartments in installments in Moscow

Purchasing an apartment in installments is an excellent option for improving your living conditions if you don’t have all the money needed for the purchase at once. For those who want to live in a new building in an eco-friendly area not far from the capital, the modern real estate market has a number of interesting offers in the Moscow region. By purchasing a new building in installments, you get many advantages. This scheme involves a flexible payment schedule, and is also characterized by ease of paperwork and fairly favorable terms of receipt.

New buildings in installments from FSK Leader

For 2015, FSK Leader offers the following options for installment plans for apartments in new buildings:

>Promotions in the Skolkovsky UP-quarter

>Promotions in “New Tushino”

>Promotions in the UP-quarter "Olympus"

>Promotions in the New Izmailovo microdistrict

In addition, FSK Leader constantly launches new installment programs for its clients. You can call the manager of any facility from >our section to find out about installment plans.

Key features of lending

The development of a special program made it possible to combine the positive aspects of two types of transactions and minimize the negative ones. The described mortgage is a full-fledged loan, the procedure for applying is no different from a regular loan for the purchase of real estate. However, the repayment procedure is radically different.

This type of banking product is provided only for the purchase of a new building from an accredited developer with whom Sberbank has entered into an agreement. The terms of issue are as follows:

• The minimum down payment is 15% of the total cost.
• The loan term is up to 30 years.
• The interest rate is set at 7.4%.
• Repayment is carried out in equal installments.
• Transfer of funds is carried out in two stages. The first part of the amount is transferred after concluding a share participation agreement, and the second - after putting the facility into operation (the period between transactions should not exceed two years).

Thus, the amount borrowed is divided into two parts, which gives a significant advantage in repayment. The client pays the debt calculated from the amount of the first transfer. After transferring the remaining amount, the borrower makes monthly payments for the second amount of funds.

This makes it possible to reduce monthly payments to a minimum. For example, with a mortgage of two million, the usual monthly payment is about 20 thousand rubles. If the loan is divided in half, then you will only have to pay 10.

When the first part of the debt is closed before the entire amount of funds is transferred to the borrower, the overpayment on the mortgage loan will be minimal. Taken together, all factors allow minimizing the burden on the budget and making it possible to close the debt with a small amount of overpayment. If you meet all the requirements, then you can purchase an apartment on favorable terms, with the maximum level of security for the transaction.

The essence of the scheme

As a rule, apartments in new buildings are purchased in installments according to the following scheme. First, the buyer pays a down payment ranging from 10 to 70% of the cost of the property. The amount of this amount largely depends on the stage of construction of the new building. The balance is paid by the buyer in equal installments over a specified period or according to a schedule agreed with the seller. Perhaps, for example, this option: the terms of the first and last payment are fixed, and the buyer decides the frequency and amount of payment independently. In most cases, installment plans for an apartment range from 6 to 12 months. It is important that the debt is fully repaid before the new building is handed over to the State Commission.

Important points

Purchasing real estate is a very responsible transaction. Therefore, the purchase should be taken seriously. First of all, determine the main parameters:

• the amount of the down payment;
• term;
• acceptable monthly payment amount.

Help: Even if the developer does not provide installment plans for any project, he can meet the buyer halfway and present it on individual terms.

When concluding a contract, special attention should be paid to the clause on the accrual of penalties for late payment. If for some reason a person cannot repay the debt on a timely basis, then it is necessary to contact the construction company and ask to terminate the contract, returning the funds minus penalties. Or contact the bank to apply for a mortgage for the remaining amount.

Installment forms

Interest

. After making a down payment, the buyer of an apartment in a new building can pay the seller within 1–2 years. About 1–2% is charged monthly on the unpaid portion of the amount. And although formally this scheme is comparable to a mortgage, the average rate for new buildings is 12–15% per year, due to the reduction in the payment period when buying an apartment in installments, you overpay about 7–10% per annum. In addition, do not forget that obtaining a loan may require additional costs for insurance and other banking procedures.

Interest-free

. Installment plans without charging interest for housing in a new building are issued for a very short period. As a rule, it is 1–3 months, much less often – 6–12 months or until the completion of construction of the facility. Accordingly, such programs for paying for housing in a new building in installments require, with very rare exceptions, a large down payment amount - at least 30–50% of the total cost of the apartment.

Installment calculator

Installment payments

To begin with, let us remind you once again that all payments directly depend on your choice and capabilities.
They are calculated based on the cost of the apartment you choose. There are two types of payments in housing and communal services - share and membership. There is a current account for everyone.

Share contributions are money that goes directly to pay for the share (part of the area of ​​the apartment that you plan to purchase).

Membership fees are funds paid monthly by a member of the cooperative. Their purpose is to cover the costs associated with the cooperative's activities. Membership fees in the amount of 1000 rubles are paid monthly.

When joining the ZhNK, it is mandatory to pay an entrance fee of 10,000 rubles. This is a one-time contribution (not included in the cost of the apartment) and is used to cover the costs of your registration as a new member of the housing cooperative. You also need to reimburse expenses (state duty) in the amount of 25,000 rubles associated with registration of property rights.

What is more profitable: Installment plan or Mortgage?

An additional and important advantage of ZhNK is the liquidity of share funds, which you can donate, bequeath, sell, or assign to a third party.

Additions to the interest rate on installment mortgages

The following surcharges are applied to the interest rate within the framework of the promotion to subsidize the rate by developers or to the base rate:

• 0.2% - if the first installment is from 15 to 19% inclusive, with an installment of 20% and above the premium is no longer applied;
• 1% - if you do not take out a life insurance policy;
• 0.3% - for non-salary clients, as well as for those who apply for a mortgage without proof of income and employment;
• 0.1% - when registering a mortgage agreement and ownership rights after putting the house into operation in Rosreestr without using the “Electronic Registration Service”.

Mortgage in installments when buying an apartment on the secondary market

Under the “Purchase of Finished Housing” program, a loan can be provided, as stated on the corresponding product page on the Sberbank website:

1. at one time;
2. or in parts.

However, there is no more detailed information about the conditions and procedure for providing funds in installments on the website. It is likely that the conditions will be regulated by an agreement between the parties.

More information can be found by calling:

1. 900 (from mobile);
2. 8 (800) 555 – 55 – 50 (from mobile and landline, free).

Under some mortgage programs, the loan is not provided in parts at all, for example:

• “Mortgage with state support for families with children”;
• “Military mortgage”;
• “Refinancing mortgages and other loans.”

Use of maternity capital funds

With an installment mortgage, the borrower can use maternity capital without any restrictions. To do this, you need to apply for the “Mortgage + Maternity Capital” product, indicating that you require housing from the developer with the condition that the loan amount be transferred in two equal parts.

MSC funds can be sent to:

1. to repay the first installment;
2. to pay both the first and second parts of the loan;
3. to repay interest accrued on the first or second part of the loan.

Please note that repayment of fines and penalties for late fulfillment of obligations to the bank at the expense of MSC funds is not possible.

How to apply for an installment mortgage

A citizen may, at his discretion, choose 1 of 2 possible methods of sending an application and documents:

1. in the territorial division of Sberbank
2. Through the DomClick website

The most convenient way to get credit is through DomClick. There you can fill out an application electronically, immediately send it to the bank for consideration, without the need for a personal visit to the branch, and then receive preliminary approval and even download electronic images of all the necessary documents. You will only have to come to the bank to sign the mortgage agreement.

Through DomClick, without leaving your home, you can also:

• make a preliminary calculation of the monthly payment using an online calculator;
• select a property under construction from among those accredited and coordinate its purchase with the bank;
• purchase a life and health insurance policy.

Requirements for borrowers

A citizen intending to receive a housing loan in installments from Sberbank must meet the following mandatory requirements:

1. age on the day of submitting an application for a housing loan – 21 years or more;
2. age at the date of repayment of the second part of the loan – no more than 75 years;
3. length of service at the current place of work – 6 months or more;
4. the total work experience over the last 5 years is at least 12 months (this requirement does not apply to persons who receive a salary for a Sberbank debit card as part of a salary project).

In order for Sberbank to approve a loan if there is insufficient income, you can attract co-borrowers (no more than 3 individuals). Their monthly income will be taken into account together with the title borrower and other co-borrowers, so the likelihood of approval will increase. The spouse of the title borrower is a mandatory co-borrower.

Registration procedure

The program is designed for ordinary citizens who want to purchase an apartment in a building under construction from a reliable developer. Submitting an application to the bank is carried out by filling out an application form and providing a package of documents:

• Passport of a citizen of the Russian Federation with a registration mark.
• Second document confirming your identity. Driver's license, military ID, insurance card.
• Papers confirming your financial condition and the presence of a permanent income of the required level.
• An extract from a personal account or other proof of the availability of funds for the down payment.

The information provided is verified within 5 business days. Once approval is received, the following steps follow:

• Selecting a specific object.
• Concluding an equity participation agreement between the developer and the client.
• Registration of the transaction in Rosreestr.
• Property insurance.
• Making the first transfer of funds.
• Transfer of the second part of the amount.

Thus, the client receives full ownership of the property and has the right to reside on its territory until the principal debt to the bank is closed. Regular installments do not provide for this.

Other installment terms

The remaining conditions for 2022 are the same as in the case of obtaining a housing loan with a one-time disbursement of funds, that is: