We issue an urgent loan secured by a share of the apartment, even if you are the owner of only this part, and not the entire property. In accordance with the civil and housing code of the Russian Federation, the share of an apartment has an estimated value, therefore its owner has the right to dispose of it: sell, give, inherit, and, among other things, a share in the apartment can be the subject of a pledge.
If large banks refuse to issue you a loan secured by a share of an apartment, citing the low liquidity of the collateral or you have a bad credit history, this is not a reason to panic. The real estate investment company Finance-Credit is ready to give you money secured by a share of an apartment urgently under a collateral agreement on the most favorable terms!
Money secured by a share in Finance-Credit
Do you have 16 shares? Let's consider!
- Up to RUB 5,000,000 from 9.5% per annum;
- Application review - 1 day!
- Advance on the day of application;
- No proof of income.
At Finance-Credit you can get money secured by a share in an apartment in just 3 days! We are one of the few Moscow companies that are ready to consider collateral of a share in an apartment as collateral for a loan. The size of the loan secured by the share of the apartment and the terms of the loan in each specific case are considered individually with each borrower. The fundamental point in this situation will be which part of the property (share) you are the owner of.
Registration of a share pledge to obtain a loan
Options for pledging a share
- This scheme provides for the imposition of an encumbrance on the collateral object in the form of a share through government agencies. At the same time, the owner of the property continues to remain its owner.
An encumbrance note is included in the property certificate, the presence of which prohibits the owner from performing any transactions with the real estate until the loan is repaid.
- According to this scheme, the property is formally re-registered to the lender.
In this case, three agreements are concluded: a loan agreement, a purchase and sale agreement and a repurchase agreement. The latter document indicates that at the end of the loan term, the lender undertakes to re-register the property back to the actual owner.
Our lawyers will advise you which of the options for legal registration of a loan secured by a share in an apartment is best suited for you.
At any time, you can get a free consultation over the phone on the terms of issuing credits (loans), clarify the current market value of your share of the apartment and the loan amount that you can count on urgently. leave a request on our website , which will be reviewed within 15 minutes and our specialist will call you back.
Choose a loan secured by a share in Finance-Credit
- Loan term - up to 10 years ;
- The loan amount secured by the share is up to 5,000,000 rubles ;
- The minimum loan rate is from 9.5% per annum ;
- We work with all types of real estate;
- Free express share assessment and application submission;
- We will help you collect all the documents;
- Proof of income (2NDFL) is not required;
- We lend to any credit history;
- Guarantee of unchanged loan rate;
- Early loan repayment without penalties.
Loan secured by a share in an apartment
A loan secured by a room or a share in an apartment can be issued if you own either a dedicated room in a communal apartment or a share in common shared ownership equal to a room. Example: 1/2 in a two-room apartment, 1/3 in a three-room apartment or more, etc. When applying for such a loan (loan):
- You will remain the owner of your property,
- Loan term up to 20 years from 19% per annum,
- the loan is issued under a loan and collateral agreement,
- there is early repayment without penalties,
- A damaged credit history is not an obstacle to obtaining a loan secured by a share,
- It is possible to obtain a loan secured by a share without the consent of other owners,
- Fast loan disbursement
- Minimum package of documents.
A loan secured by part of an apartment is one of the most profitable loans when a certain amount of cash is required. It is available to individuals who own a share of the apartment. Often, this is the only way out of the current situation, because attempts to take out a loan from banking organizations are futile.
First you need to understand that if you want to take out a loan secured by a share in an apartment, then the size of this loan can be no more than 70% of the actual cost of part of your apartment. According to current legislation, the owner of a share can dispose of it at his own discretion by selling it, drawing up a gift agreement or providing it as a pledge.
If large banks refuse to provide you with a loan, arguing that your share has low liquidity or you have a bad credit history, then this is not a reason for your concern. If you need a cash loan, but banks refuse you, then the Mortgage AIB company will select a number of offers for you on conditions that are extremely favorable to you.
Favorable cooperation schemes
Our company's clients are provided with the following benefits:
- After signing all the papers, you still remain the owner of your real estate.
- Repayment period from 3 months to 20 years.
- Your credit history is not a reason to refuse cooperation.
- It is possible to obtain a loan without the consent of other property owners.
- The rate is from 13.5% per annum.
- We do not care about your official employment, so we do not require a certificate of income.
- You can receive an advance of up to 50% of the total loan amount directly on the day of signing the contract.
- Quick loan decision.
Another important advantage of cooperation with the Mortgage AIB company is the minimum package of necessary documents. You only need a passport, an extract from the Unified State Register and documentary evidence of property rights. This could be a purchase and sale agreement, a deed of gift, a court decision or another type of document.
Terms of loan
If you want to take out a loan secured by part of your apartment, then you must take into account a number of requirements that apply to your property. Cases are not considered if the object of the pledge is a share in a building located on a wooden foundation.
There are other requirements:
- Private houses are not considered.
- The property must be located on the territory of Moscow and the Moscow region.
- There are no arrests or encumbrances.
- The housing is completely suitable for living.
- The apartment is located in a building that is not in disrepair and is not subject to demolition.
Unallocated share
In practice, an unallocated share in an apartment is one of the obstacles that prevents you from obtaining a secured loan. In general, the allocated share is considered to be the share for which the order of use is confirmed. In other words, a specific room is assigned to a specific owner, which is confirmed and notarized.
Most banks simply do not provide a loan secured by an unallocated share in an apartment. This is explained by the fact that if the borrowers fail to comply with their obligations (they stop paying), it will be quite difficult for the banking organization to sell such property.
A simple solution to a complex issue
The Mortgage AIB company is your reliable companion and assistant in the matter of quick lending. We cooperate with the largest banking organizations and investment funds, so we offer you only the best offers on the market.
You can easily get an urgent loan using our services. Our activities are completely legal, because we act exclusively within the framework of current legislation.
Even if you own only part of the apartment, you can get a cash loan for up to 70% of the actual value of your property.
You just need to contact us by phone, after which we will invite you to our office to draw up a simple cooperation agreement.
We ourselves will select banks and investment funds with the most favorable terms of cooperation, because your interests are the main ones for us in our activities.
Call now
We understand perfectly well that modern realities can put a person in an extremely difficult financial situation. It may seem to you that there is no one to expect help from, but when you contact our company, you will understand that there is always a way out.
With our help, you can get an urgent loan secured by a share in an apartment, providing a minimum package of documents for this. We do not require employment certificates, do not check your credit history, and do not ask to sign anyone out of your apartment, which speaks of utmost honesty and respect for our clients.
Is it possible to take out a loan secured by a share in an apartment?
People who are not the sole owners of an apartment will not be allowed to take out a loan secured by an entire apartment without the consent of the other person and without proof of income. There remains an option with a certain part of the housing. It is believed that when providing only a share of real estate or a room, receiving money from the bank is a more difficult operation for the borrower.
In practice, there are loan programs that provide money to borrowers even with a bad credit history on the security of a share or a room, but lenders are reluctant to take such a step. Banks understand that problems may arise when collecting debt. Often in courts they take the side of other property owners.
Therefore, even in the case of collateral of only a share or a room, other homeowners are asked to agree to encumber one part. In such situations, there is often a condition that these persons must be co-borrowers or guarantors.
Loan secured by a share in an apartment without proof of income
Proof of income does not have to be provided to the bank. When collateralizing a share of real estate, loans are issued even to people with a bad credit history. Receiving the desired amount is possible provided that the share corresponds to the room, and this fact is noted in the documents.
The optimal option for a loan secured by part without proof of income is the case when the owners of the apartment are spouses, each of them owns half of the property, plus the co-borrower gives consent by signing a guarantee agreement.
Loan secured by a share in an apartment without the consent of other owners
If proof of income is not provided to the bank, then obtaining a loan secured by part of the apartment without the consent of the owners is an even more problematic procedure. However, credit laws allow you to borrow money without the consent of other property owners.
But in this case, it is advisable to at least correct a bad credit history, if any. In this case, you need to submit documents confirming ownership of a specific room, a cadastral plan, archival extracts of their Unified State Register and BTI, data on other registered residents, and a certificate from the workplace.
Thus, the main thing is that the share be expressed in physical terms, that is, correspond to the whole room. Then getting a loan is more likely. According to the terms, the interest rate is about 14%.
In Sberbank
A loan secured by a share in an apartment from Sberbank is one of the options for executing such a lending agreement. The conditions at Sberbank are among the most favorable, but there is a requirement to confirm income and there is a high risk of bank refusal in case of bad credit history.
According to Sberbank’s terms, the borrower must be at least 21 years old at the time of receiving the money, and no more than 75 years old at the end of the loan agreement. Even if you manage to borrow money from a bank without proof of income, your work experience must be at least six months. The total amount should not exceed ten million rubles.
At the same time, this amount will not be more than 70% of the price stated in the appraisal documents of residential property. An application written in the Sberbank form is attached to the passport and certificate of employment.
Loan to buy out a share in an apartment through Sberbank
A loan to buy out part of the property is the most popular option for receiving financial assistance from Sberbank. Money is issued to borrowers without proof of income, but with the consent of other owners. Often, Sberbank allows you to buy out a share from relatives and ex-husband or wife.
Sberbank has the opportunity to receive money even for borrowers who have a bad credit history. If previously such applications took months to be considered, today decisions on them are made urgently - within a few days.
Is it possible to get a loan against a share in an apartment with a bad credit history?
A bad history from the bureau can serve as a reason for refusal for Sberbank or any other bank only when collateral is not provided. If there is a deposit, then even submitting documents to confirm income is not a prerequisite. However, if the CI is good, then the likelihood of obtaining a positive decision when granting collateral increases.
If you have credit debts, you can find out about the possibility of writing off your debt absolutely free.
Loan to purchase a share in an apartment using maternity capital
Maternity capital is a good opportunity to purchase a separate part of real estate or even an entire apartment. In all regions, the amount of maternity capital is set at 453 thousand rubles. You can become a shared owner in one of two situations:
- When the part is isolated premises - for example, a room, 2 rooms and so on;
- When, after receiving the remaining portion, the entire property will be transferred to the borrower.
Confirmation of income is not required, but you must submit documents that will prove your right to dispose of maternity capital. If the borrower enters into a transaction with a relative, it should not be imaginary. Transactions on this transaction between spouses are also prohibited.
Regional legal service. Free legal consultation throughout the country 8 800 707-79-45
Get a loan from a bank secured by a share in an apartment
The fedcred.pw website is not a bank, microfinance organization or other financial institution and does not issue loans or credits. The materials posted on the site are for informational purposes only. Not an offer.
Fast, fair and reliable loan between individuals
- Amount: 50000000
- Age: 20 60
- Loan term: 360
Additional Information:
Solutions to all your financial problems are 100% guaranteed. I am a young heiress with capital that I want the counter to be available to people in need. Offer loans in amounts from 2,000 to 8,000,000 euros, repayable in several ways; contact me.
Personal loan on favorable terms
- Amount: 50000000
- Age: 6566
- Loan term: 360
Additional Information:
Loan offer between a private personYou need a loan for construction, a real estate project, creating your own business, returning to your personal activity that you want to implement. You who are in trouble, you had unpaid schedules, you had other problems. I'm ready to help you. You must be
able to repay me and fulfill my conditions very profitably. It will make your life easier. Contact me for more information!
Issuance of investments. Private investor. Pledge.
- Amount: 500000-50000000
- Age: 18-95
- Loan term: 1-20
Additional Information:
You can now receive money as collateral for real estate without banks and brokers at a favorable rate and in the shortest possible time.
Do you have real estate? There will be money!
- Amount: 300000-30000000
- Age: 18-90
- Loan term: 1-30
Additional Information:
Do you own real estate? There will be money! We issue our money secured by real estate for any purpose
Take out a loan from an investor secured by an apartment today
- Amount: 300000-60000000
- Age: 18-90
- Loan term: 1-15
Additional Information:
Loan secured by real estate without proof of income. You can take out a loan from an investor secured by your apartment today.
Urgent issuance of money secured by real estate
- Amount: 300000-60000000
- Age: 18-90
- Loan term: 1-15
Additional Information:
We provide urgent issuance of funds secured by real estate. Without re-registration of property and extract of registered property.
Money without delay secured by apartments
- Amount: 300000-60000000
- Age: 18-90
- Loan term: 1-15
Additional Information:
We give money immediately as collateral for apartments in Moscow and the Moscow region. Without delay, without certificates and with any credit history of the borrower.
Business loan secured by real estate. Private lender.
- Amount: from 200,000 to 5,000,000
- Age: from 23 to 65
- Loan term: up to 10 years
Additional Information:
A private lender will issue an amount: from 200,000 to 5,000,000 secured by real estate (residential, commercial). You remain the owner (we impose an encumbrance). We issue in 48 hours. There are no prepayments. We will send you the agreement by email for your review. The interest rate depends on the amount, term and liquidity of the collateral. You can find out the exact rate from our employee by calling.
Get a loan immediately secured by an apartment
- Amount: 300000-60000000
- Age: 18-90
- Loan term: 1-15
Additional Information:
If you want to receive money immediately as security for an apartment, without waiting for inspections and without collecting certificates, call today.
Effective assistance in obtaining a loan.
- Amount: 50,000 – 50,000,000
- Age: 18 – 65
- Loan term: 1 – 30
Additional Information:
Money from a bank or investor. For any purpose. With any credit history. No prepayment or hidden commission.
Credit, cash loan secured by real estate
- Amount: 300000-30000000
- Age: 18-85
- Loan term: 1-10
Additional Information:
With us you can get a loan, a cash loan secured by your real estate without proof of income.
Loan without certificates secured by residential real estate
- Amount: 300000-60000000
- Age: 18-90
- Loan term: 1-15
Additional Information:
I will issue a loan, a loan secured by residential or commercial real estate at 1.5% per month in the absence of employment certificates from the borrower.
We issue loans at the lowest rates secured
- Amount: 300000-30000000
- Age: 18-90
- Loan term: 1-20
Additional Information:
We have the lowest rate on real estate collateral guaranteed. Get a loan from us without banks and intermediaries with a rate of 16 to 20% per year.
Take a loan from an investor today against collateral
- Amount: 300000-60000000
- Age: 18-90
- Loan term: 1-15
Additional Information:
A loan secured by real estate from an investor at 1.5% per month. We do not require the provision of certificates or other documents confirming income.
Loans secured by real estate are more affordable offers in terms of interest rates, they are characterized by large amounts and long repayment periods. Also, the main advantage of secured loans is their availability - clients with a low income and a damaged credit history can take out a loan secured by real estate.
Most loan offers require collateral for an apartment where you are the sole rightful owner. Can I get a loan from a bank using my share in the apartment as collateral?
Is it possible to take out a loan secured by a share in an apartment?
A share in a house or apartment is official property and can be used as collateral. But - unlike a full-fledged apartment, such property is less liquid and is valued cheaper.
That is, when assessing the value of your share, for example, in a three-room apartment, you cannot simply divide its price by 3 and ask the bank for this amount.
Firstly, the bank provides no more than 85% of the value of the collateral, and secondly, it will not be able to sell your share for this amount in the event of non-payment of the debt.
It is precisely because of the high illiquidity of shared real estate that the list of lenders willing to provide a loan secured by a share in an apartment is limited. Our credit board allows you to see a list of financial institutions to which you can apply for a loan secured by a share in a house or apartment.
How to get a loan secured by a share in an apartment?
First of all, you should familiarize yourself with the collateral requirements that lenders require. Many provide a loan secured by 1/2 share of the apartment, but are not ready to borrow money on credit secured by 1/4 share of the apartment.
Next, it is worth assessing the list of documents that will be required to secure a loan. If you plan to get a loan secured by a share in an apartment in 1 day, you should have at least:
- Extract from the Unified State Register of Real Estate;
- A document confirming the right of ownership (sale and purchase agreement, donation, exchange, inheritance, etc.);
- Technical passport of the apartment;
- Cost Estimation Report (if applicable).
Agencies specialized in real estate are called upon to evaluate the value of your share, but some financial organizations have their own appraisers. On the one hand, this is a plus: you don’t need to spend money and time on an appraisal through an agency, but on the other, a minus: the cost of the apartment from the lender’s point of view will be minimal.
After assessing the conditions and preparing the documents, you can submit an online loan application through our service. Here you will find offers from banks, non-bank credit institutions and individuals willing to invest in secured loans.
How long does it take to obtain a share loan?
The fastest transactions are loans from individuals: in this case, a minimum of documents and a notarized agreement are required. If there are no obstacles, you can get a private loan in 1 day.
Non-bank organizations will also save your time, but the list of documents will be wider. Private financial companies are more interested in providing secured loans, so you will always be offered assistance and full advice. You will spend about 2 business days to complete the transaction.
Banks will take the longest to consider the application and will require a complete list of documents, but at the same time their assessment of the value of the collateral will be maximum. It takes the bank 2-7 days to review the application.
Loan secured by a share in an apartment
Don't waste time, call right now! +7 (911) 923-92-26
If you urgently need to get a loan secured by a share in an amount exceeding a classic consumer loan, but you only own a share, then a loan secured by a share in an apartment in St. Petersburg is the ideal solution.
As a rule, lenders prefer to issue money only against the security of the target property, which is due to lower risks. But due to increased demand, offers appeared on the market for lending secured by a share. Our company is a partner of a private investor and offers you a secure loan as collateral for property on terms favorable to you.
The Assistance company provides assistance in obtaining loans, regardless of previous experience of cooperation with banks. We offer a profitable loan secured by a share in St. Petersburg with the possibility of receiving money on the day of application.
The Assistance company issues money as collateral and offers a low interest rate. We have individual lending conditions for each client. Therefore, you have the opportunity to choose a convenient loan repayment scheme for yourself.
Our specialists will help you choose an offer that will fully satisfy your needs. And low interest rates and a flexible loan repayment schedule will allow you to pay off the loan against the equity in your home without significantly changing your quality of life.
take out a loan secured by a share in an apartment for any purpose, and the short processing time and comfortable lending conditions will pleasantly surprise you.
Taking out a loan secured by a share in our company is quite easy - the procedure for applying for a loan is similar to that of many other banks. Money secured by a share in an apartment is provided in accordance with current legislation, after concluding a loan agreement.
The loan agreement specifies the monthly payment amount and interest rate. During the entire term of the loan agreement, the conditions do not change. Therefore, by using our lending services, you insure yourself against possible financial risks.
Advantages and disadvantages of loans secured by a share in an apartment
If you are not sure that a loan secured by a share of an apartment will be beneficial for you, analyze its positive and negative aspects.
Advantages
- the opportunity to receive a larger amount, since the share pledged as collateral will serve as security for the loan. Thus, the lender is provided with a guarantee of the return of his funds,
- the likelihood of obtaining consent is much higher than when obtaining a consumer loan. by leaving a deposit, you provide a guarantee that the debt will be paid,
- You are given the opportunity to choose the maximum repayment period for your debt.
Flaws
- a share is not the most suitable type of real estate for collateral. Selling it promptly at a high price is more difficult than any other real estate, such as an apartment or a dacha,
- it is necessary to prepare a full package of documents to confirm the legal rights of ownership of this property,
- there is a risk of losing your property if you fail to pay monthly payments and accumulate a large debt. In this situation, the property is put up for sale, and the debt is repaid with the proceeds.
Loan secured by a share in an apartment - terms of provision
- the maximum loan amount is 50% of the market value of the share,
- registration of a transaction under a mortgage agreement;
- interest rate from 5% per month,
- A loan secured by shared ownership is provided for a period at the request of the borrower.
The shared property provided as collateral must be free of encumbrances, and the property itself must be located in St. Petersburg, the Leningrad Region or Moscow.
Advantages of cooperation with us
By issuing money as collateral, we strive to minimize the procedure for preparing and processing documents so that the client feels comfortable working with us.
- prompt consideration of the application,
- lack of checks on your credit histories,
- no financial risks,
- the opportunity to receive a loan secured by a share on the day of application,
- possibility of early repayment,
- transaction processing time within 2 hours,
- To obtain a loan against a share in an apartment, no certificates or guarantors are required,
- transparent terms of the contract,
- individual payment schedule.
Basic requirements for collateral
- the premises are in normal, not emergency condition,
- the property is not subject to major repairs followed by eviction,
- the object is liquid and can be sold at market value. In addition, the amount of the deposit depends on the area of the share and its ratio to other areas in the apartment.
- there are no encumbrances on the pledged property, including arrests or pledges in other banking organizations.
Documents required for obtaining a loan secured by a share
The Assistance company is always ready to issue money secured by a share in an apartment or other real estate. The main condition of the transaction is the legal right to the property, as well as the liquidity of the real estate pledged as collateral.
To receive bail money, you must provide the following documents:
- passport of a citizen of the Russian Federation of the owner of a share of the property,
- documents confirming ownership of a share in an apartment or house,
- agreement on the emergence of ownership rights to a share.
- The list of documents required to obtain a loan can be supplemented after a detailed study of the client’s situation.
- We work individually with each client and guarantee a loan secured by a share on favorable terms.
- You can get more detailed information about the conditions for applying for the service of money on credit or a loan secured by a share (shared ownership) from our specialists.
The Assistance company is ready to help everyone who needs help with lending in St. Petersburg. Leave a request on the website or call us at +7 (812) 648-48-89.
Money on credit secured by a share in an apartment l Loans in St. Petersburg
In case of temporary financial difficulties, you can pledge your property and get an urgent cash loan, but often banks and investors refuse to lend money against a share in an apartment. Our company accepts “complex” real estate objects as collateral, including shares in apartments.
A loan obtained from us secured by a share in an apartment in St. Petersburg is a simple and profitable tool for urgently receiving money and meeting material needs. You can take out a loan from us:
- cash or non-cash form;
- under a mortgage of a share in an apartment or other real estate in St. Petersburg;
- without providing any documents (except for identification and confirming ownership of the pledged item);
- with a “dark” credit history;
- without guarantors;
- with receiving money on the day of submitting an application for a loan;
- for the desired period of time;
- at low interest rates.
Private loan secured by a share in an apartment - urgent money without problems
Taking out a loan against a mortgage of a share in an apartment in St. Petersburg is extremely simple with us - the procedure for applying for a loan is the same as in any bank. Money secured by a share in an apartment is issued in full compliance with legal regulations, after concluding a loan agreement.
But adhering to the principles of flexible and transparent work, our company, when applying for urgent loans secured by a share in an apartment or other real estate in St. Petersburg:
- does not require confirmation of income for clients wishing to pledge their share in an apartment or other property;
- does not check for outstanding loans, taxes and fines;
- is not interested in the intended purpose of the loan provided as collateral.
To profitably pledge a share in an apartment or take out an urgent loan against the mortgage of other real estate in St. Petersburg, contact us - we will provide you with a cash loan on the day you apply!
At the bankAt us| Minuses | pros |
| Confirmation of income from the last place of work for a certain period is required; if a certificate is provided not in the 2NDFL form, the loan rate is increased. | Preliminary decision within 15 minutes, without income certificates and guarantors. |
| An appraisal of the property is required by an agency certified by each specific bank, the average cost of the appraisal is 5,000 rubles. (to be paid at the expense of the borrower). | Specialists will inspect and evaluate the property free of charge as soon as possible. |
| The vast majority of banks do not leave the client a choice and require him to repay the debt in equal payments depending on the term and size of the loan. | The loan term is not limited. A private investor gives the borrower the right to repay the debt in equal payments or pay only interest for using the loan, and return the main part of the money in the final month of the loan. |
| It is required to insure the property against damage or loss, to insure the title (the risk of loss of ownership), and the life and health of the borrower. The approximate cost of insurance is from 0.5% to 1.5% of the loan amount. | No insurance required. |
| It may take up to 4 weeks for the money to be issued. | Money is issued on the day of application before registration. |
| A credit history check is required. | Credit history is not important. |
| High percentage of loan refusals. | There are practically no failures. |
| pros | Minuses |
| Rate from 1.5% per month. | Rate from 1% to 3% per month. |
| Parity | |
| Possibility of early repayment at any time (full or partial) of using loan funds. |
Certificate of state registration of ownership of real estate, or a recent extract from the Unified State Register of Real Estate
Agreement on the basis of the emergence of ownership rights to real estate
Certificate from the passport office in form 7.9
Would you like to discuss your individual conditions with our loan specialist over the phone? Just leave your contact details and we will contact you as soon as possible.
Loan secured by a share in an apartment
The MSK-Credit company offers services for the correct processing of loans secured by a share in an apartment in Moscow and Moscow Region. The loan amount is up to 80% of the cost, issued for a period of 0.5-20 years at 1.25% per month. You can choose the amount and terms of the loan yourself, taking into account your existing financial capabilities and the convenience of repaying monthly payments.
To get help in applying for a loan, fill out an online application or order a service by phone: +7 (495) 308-89-44.
Taking out a loan secured by a share in an apartment from Russian banks and credit institutions without our help is a difficult task, because:
- not all banks offer this service;
- many credit institutions have very complex requirements for borrowers;
- Applying for a loan requires serious waste of time and filling out a large number of documents.
- Citizens of the Russian Federation who have been refused loans by banks are usually ready to take out a loan secured by a share in an apartment, but they urgently need money for:
- real estate purchases;
- completion of a house or renovation of an apartment;
- payment of debts on high-interest loans;
- payment of debts or utilities;
- paying for expensive education or treatment;
- traveling abroad, etc.
If you have problems obtaining a loan in Moscow, even secured by very attractive real estate, contact the MSK-Credit company, which will find you optimally favorable lending conditions secured by a share in an apartment and will help you get the required loan with a guarantee.
Advantages of lending with MSK-Credit
- The MSK-Credit company helps you obtain a loan secured by a share in an apartment on favorable terms from Russian banks and microfinance organizations (from private investors).
- Loan secured by a share in an apartment in Moscow and the Moscow region with MSK Credit up to 80% of the cost, up to 20 years, registration in 1 day.
- You can get a loan secured by a share from MSK-Credit:
- only officially - under an agreement with registration;
- for any needs;
- without proof of income and guarantors;
- for any credit history;
- with urgent registration and receipt of an advance on the day of application in cash or to a bank card;
- without financial risks (prepayments and overpayments, penalties for early repayment).
The interest rate on the loan does not change throughout the entire loan term, and you can choose the repayment schedule at your discretion. The right of ownership, use and disposal of use remains with you: you can live in the apartment, rent it out, sell it, inherit it, etc.
We constantly monitor the situation on the credit market of the Russian Federation, have up-to-date information on banks and private investors, and can quickly select advantageous offers taking into account the unique situation, the characteristics of the collateral and wishes for interest rates and loan terms.
The procedure for obtaining assistance for obtaining a loan
Conditions for issuing a loan with our help
- Collateral – a share in an apartment without registration of the borrower and family members with the right to own and dispose of real estate
- Loan size (maximum) – up to 80% of the cost of the share in the apartment
- Loan term – from 0.5 year to 20 years
- Interest rate – from 15% per annum, 1.25% per month
- Loan repayment - monthly payments in equal installments.
- Early repayment – no penalties or commissions
- Commissions – no
- Expenses for registration - upon registration, included in the body of the loan
- Processing time: within 1 day (on the day of application)
- Urgent lending is possible
You can independently calculate the loan amount and the repayment interest rate for different loan terms using a convenient online calculator posted on the website.
Collateral requirements
Any shares in private and privatized apartments in Moscow and Moscow Region can be used as collateral for obtaining a loan with the help of the MSK-Credit company. In this case, the share in the apartment:
- must be registered as the property of the borrower;
- cannot be pledged (no encumbrances with the rights of third parties);
- cannot be in a house that is recognized as unsafe and subject to reconstruction/demolition.
We are ready to consider complex cases of collateral, including without the consent of other owners, without a certificate of income, without guarantors, with any credit history.
Requirements for the borrower
A loan secured by a share in an apartment can be issued to persons who:
- are citizens of the Russian Federation;
- have permanent registration;
- are aged 18-75 years.
- To apply for a loan you must provide:
- Passport of a citizen of the Russian Federation of the owner of a share of the apartment
- Certificate for a share in an apartment or an extract from the Unified State Register of Real Estate
- Documents on the basis of ownership rights
In order to maintain the transparency of the agreement and protect the property/financial interests of the parties, MSK-Credit specialists draw up a loan agreement secured by a share in the apartment. The document must be registered with Rosreestr.
Advantages of our company
- TRANSPARENCY OF COOPERATION. The borrower has the opportunity to first familiarize himself with the options for obtaining loan repayment and enter into an official loan agreement. The repayment amount remains unchanged throughout the loan term, and there are no commissions, hidden fees or penalties.
- EFFECTIVENESS OF SOLUTIONS. We save the borrower time and money by offering assistance in quickly drawing up an agreement and issuing a loan within 1 day from the date of application.
- PRIVACY AND SECURITY. The borrower always receives accurate and complete information about the terms of cooperation. All personal data of the borrower is securely protected and is a trade secret.
- INDIVIDUAL APPROACH TO THE CLIENT. Each lending situation is considered individually; the borrower can use the services of a personal manager of the company and choose convenient lending conditions and a loan repayment schedule.
- REPUTATION PROTECTION. We are focused on long-term cooperation with clients, offering them only mutually beneficial, honest and open relationships.
Loans secured by a share in an apartment
For how long
- Any
- 3 months
- 6 months
- 9 months
- 1 year
- 2 years
- 3 years
- 4 years
- 5 years
- 6 years
- 7 years
- 8 years
- 9 years
- 10 years
- 15 years
- 20 years
- Bank
- Bid
- Sum
- Documentation
- Requirements
- Popularity
- 15.49%"Cash secured by housing"For up to 20 years
- Russian passport + 2 documents
- Without income certificates
- Deposit required
- Without guarantee
Age from 21 years Experience from 3 months Person. No. 3138Go to websiteBank ratings: 88th place for personal loans. to personsLoan terms
- Rate:15.49%
- Amount: 450,000 ₽ – 20,000,000 ₽
- Duration: 1 year – 20 years
- Decision: up to 1 day
- Form of issue: cash / to account
- Registration: at bank branches
- Payment type: annuity
Documentation
Required documents: passport, 1 document of your choice (driver's license, SNILS)
Proof of income: not required
Confirmation of pledge/guarantee: penalty, pledge of existing real estate
Requirements for the borrower
- Age: from 21 years old
- Citizenship: Russian Federation
- Last position: from 3 months
Calculate a loan “Cash secured by housing”
-
from 9.00%
"Cash secured by real estate"
For up to 15 years
- Russian passport
- Without income certificates
- Deposit required
- Without guarantee
Persons No. 2673
Send a request
Bank ratings:
7
place on personal loans persons
Credit terms
- Rate:9% – 22%
- Amount: 200,000 ₽ – 15,000,000 ₽
- Duration: 3 months - 15 years
- Decision: up to 2 days
- Issuance form: to card
- Registration: remotely with courier
- Payment type: annuity
Documentation
Required documents: passport
Proof of income: not required
Confirmation of pledge/guarantee: penalty, pledge of existing real estate
Requirements for the borrower
- Age: from 18 years
- Citizenship: Russian Federation
- Registration: permanent / temporary
Calculate a loan “Cash secured by real estate”
-
from 11.00%
“Just what you need! (with security)"
up to 3,000,000 ₽
For up to 10 years
- Russian passport + 2 documents
- Without income certificates
- Deposit required
- Guarantor required
Age from 21 years
Experience from 6 months
Persons No. 588
Send a request
Bank ratings:
46
place on personal loans persons
Credit terms
- Rate:11% – 23.25%
- Amount: up to 3,000,000 ₽
- Duration: 1 month - 10 years
- Solution: 3 days - 5 days
- Form of issue: cash / to account
- Registration: at bank branches
- Type of payments: annuity / differentiated
Documentation
Required documents: passport, military ID, credit history extract
Proof of income: not required
Confirmation of collateral/guarantee: penalty, collateral, guarantor required, collateral of existing real estate
Requirements for the borrower
- Age: from 21 years old
- Registration: permanent
- Last position: from 6 months
Calculate your loan “Just what you need! (with security)"
-
For up to 5 years
- Russian passport + 4 documents
- Without income certificates
- Deposit required
- Without guarantee
Age from 21 years
Experience from 3 months
Persons No. 1439
Send a request
Bank ratings:
26
place on personal loans persons
Credit terms
- Rate:14%
- Amount: 500,000 ₽ – 10,000,000 ₽
- Duration: 1 year – 5 years
- Decision: up to 5 days
- Form of issue: to account
- Registration: at bank branches
- Payment type: annuity
Documentation
Required documents: passport, copy of work book, military ID, SNILS
Proof of income: not required
Confirmation of pledge/guarantee: penalty, pledge of existing real estate
Requirements for the borrower
- Age: from 21 years old
- Citizenship: Russian Federation
- Registration: permanent / temporary
- Last position: from 3 months
Calculate the “Collateral” loan
-
from 19.00%
"FORA-Pledge"
For up to 5 years
- Russian passport + 7 documents
- Without income certificates
- Deposit required
- Without guarantee
Age from 21 years
Experience from 6 months
Persons No. 1885
Send a request
Bank ratings:
91
place on personal loans persons
Credit terms
- Rate:19% – 21%
- Amount: 300,000 ₽ – 3,500,000 ₽
- Duration: 6 months - 5 years
- Decision: up to 5 days
- Form of issue: cash / to account
- Registration: at bank branches
- Payment type: annuity
Documentation
Required documents: passport, 1 document of your choice (passport, driver's license, SNILS, INN), copy of work book, military ID, temporary registration document, marriage certificate
Proof of income: not required
Confirmation of pledge/guarantee: penalty, pledge of existing real estate
Requirements for the borrower
- Age: from 21 years old
- Citizenship: Russian Federation
- Registration: permanent / temporary
- Last position: from 6 months
- Total work experience: from 1 year
Calculate FORA-Pledged loan
Loan secured by a share in an apartment
The most common problem in mortgage transactions is a consumer loan secured by a share in an apartment. In this case, the customer faces numerous difficulties. How high is the probability of receiving funds from the bank and is it even possible?
Credit institutions are not too willing to get involved with such transactions, since the likelihood of problems with debt collection is too great. Especially if, together with the borrower, there are minor children living in the apartment.
Required package of documents
You can always quickly hear an answer regarding the possibility of getting a cash loan against a share in the premises, but in this case you should provide brokers with the following package of documents:
- Title documents;
- Certificate of ownership of property;
- Owner's passport and income certificate;
- Complete information about the citizens living in the premises, indicating their age;
- Notarized consent from all apartment residents. This document is certified by a notary.
Lending secured by real estate owned by spouses requires the provision of documentary consent from the “other half”. In this case, the spouse acts as a guarantor by signing the corresponding agreement. It is mandatory to have property insurance, as well as confirmation of methods of generating income.
Not only the borrower is at risk when taking out a loan secured by a room or share in an apartment, but everyone living in this premises, since the bank has the right to seize ownership rights in case of non-payment of interest or the “body” of the loan.
In addition, for the bank it will be an important aspect in which area the living space is located, how architecturally advantageous and design attractive the house is, since all this is the liquidity of the premises.
After an audit and risk analysis, the bank sets the loan amount, interest and payment terms (year, day of the month).
Required condition for request
A condition mandatory for fulfilling a loan request is the assessment of the property or room in the premises for which cash will be provided.
A quick loan without collateral is not so profitable, since the lending company puts forward strict requirements and huge interest rates that are unaffordable for the client to pay.
This is what pushes many people to take a desperate step - to draw up a loan agreement with a bank secured by their own share in the apartment.
The best credit cards Customer reviews about loans Useful tips on loans Compare.ru>Loans>Secured by a share in an apartment
The website provides information on different banks.
All banks have individual conditions, for example, rates from 9% to 40% per annum, loan terms from 6 months to 15 years.
Calculation example: for a loan in the amount of 350,000 for 3 years at an interest rate of 9% per annum, the monthly payment will be 11,131 ₽/month.
Join us on social media. networks:
Loading...
