The mortgage program of the Savings Bank
the Long-term program of mortgage lending, to which Moscow bank of the Savings Bank of Russia in common with the building company “ the MIX “ start on February, 15th, it is intended for interested persons to lodge in a cottage situated near Moscow. For this purpose it is enough to client of the Savings Bank to have the sum equal to half of cost of a cottage, other money can be brought on the special bank account within 10 years. Yesterday the Savings Bank has confirmed definitive conditions of accumulation of money on the housing memory contribution.
working out of the program of mortgage lending of private persons in the Moscow Savings Bank have started half a year back when perspectivity of this direction became obvious. At the first stage the bank suggests to buy “ by instalments “ Only cottages, however also purchase under the similar scheme of apartments further becomes possible. At realisation the new program the Savings Bank has stopped the choice on the company “ the MIX “ (“ Low and cottage building “) which is the old client of bank and has building experience.
the company “ the MIX “ (“ Low and cottage building “) It is registered as joint-stock company of open type on October, 7th, 1992. Among 43 founders - Department of building of the government of Moscow, ON “ ZiL “ (factory of I.A.Lihacheva), Glavmosstroy, “ the Alpha - Estejt “ Moskapstroj, Mospromstrojmaterialy, Moskomarhitektura, banks “ Menatep “ Inkombank, Promstrojbank, the Moscow inter-regional bank, etc.
the Savings Bank and “ the MIX “ suggest to get a cottage together with a ground. Sites are located on distance from 30 to 100 km from Moscow in seven various directions. The price of one cottage can fluctuate from $30 thousand to $250 thousand; the house of typical building which assumes presence of the garage, several rooms on two floors, costs about $50 - 60 thousand
in Moscow suburbs it will be possible to familiarise With conditions of opening of the target housing memory contribution and cottage acquisition after February, 15th in one of currency branches of the Moscow Savings Bank. The scheme of acquisition of a cottage “ by instalments “ it is a little unusual and did not practise yet any of the Russian banks. The client does not enter credit relations with the Savings Bank but only stores in it the means. And the bank pays under the contribution of 5 % annual taking into account capitalisation of means. All questions, concerning a choice of a cottage, cost and building terms will dare directly in the most building company “ the MIX “. Actually building company under habitation building it is centralised finances bank (under 10 % a year) for what opens the demand line of credit. This percent also is considered initially at cottage estimation of cost. Accordingly, the more accumulation term on the account of the necessary sum, the more expensively to the client will manage the house.
Before the order in the company on cottage construction will be made, on the special account in the Savings Bank should collect $10 thousand (at the minimum payment in $300 the sum of quarterly replenishments makes $750). Drive in a cottage the client of the Savings Bank can only in the event that on the account at it the sum specified in the contract equal to half of cost of the house is stored. The minimum term of accumulation of the sum making half of cost of a cottage, makes 6 months - even in the event that the sum has been brought at a time. Term of construction of a cottage is defined from half a year about one year. During this moment the building company concludes the contract with the client about long-term rent. And only after on the account there will be all necessary sum, the house together with a ground carries over the client. Before it is necessary to place regularly money for the account and not to be beaten out from the schedule. Otherwise the buyer of the house in Moscow suburbs can incur not only moral, but also loss of property.
ELENA - BAZHENOV