Loan for the construction of commercial real estate. Why buy non-residential premises? What will be the pledge

The article contains the conditions of 12 banks for business mortgages. And also given instructions for obtaining a loan for the purchase of real estate for individual entrepreneurs and legal entities.

Which banks issue loans for real estate to individual entrepreneurs and legal entities

And now a little more about the terms of lending.

Sberbank

• repayment period - up to 10 years;
• no commissions;
• funds are provided for both commercial and residential real estate;
• Collateral - a pledge of the purchased property or a guarantee from a natural person. persons and legal faces;
• availability of a down payment - 30% of the price of the object, 25% - if you borrow again;
• insurance is a must.

VTB 24

• refund period - up to 10 years;
• the presence of an initial payment - from 15% of the price of the object;
• money is provided for the purchase of offices, warehouses, industrial premises;
• collateral - a pledge of the purchased property;
• deferred repayment - up to 6 months.

Rosselkhozbank

• the presence of a down payment - lending is available without making it;
• deferred repayment - up to 1 year;
• provided only for the purchase of commercial real estate;
• collateral - pledge of acquired property, add. security - vehicles or equipment.

Promsvyazbank

• crediting period - up to 15 years;
• collateral - a pledge of the purchased property, or a guarantee from third parties, or a security deposit;
• deferral of repayment of the principal debt - up to 1 year.

VTB Bank of Moscow

• the purpose of the loan is a loan for a business to purchase real estate;
• collateral - the purchased object acts as a pledge;
• down payment - can be replaced by an additional pledge or surety.

Rosbank

• purpose of lending
• collateral - the acquired object acts as a pledge;
• deferral of repayment of the principal debt - up to 6 months;
• early repayment is acceptable, without penalties and commissions.

LOKO bank

• crediting period - up to 10 years;
• issuance fee - 2% of the amount;
• collateral is the pledge of the property you are buying.

Uralsib

• return time of borrowed funds - up to 10 years;
• initial payment - from 20% of the value of the object;
• issuance fee — 1.2% of the loan value;
• collateral is a pledge of acquired property;
• insurance is a must;
• early repayment - without penalties and commissions.

Uni Credit

• repayment period - up to 7 years;
• initial payment - from 20% of the price of the purchased object;
• deferral of the principal debt - up to six months;
• early repayment is possible;
• collateral is the acquired property.

Binbank

• initial payment - from 20%;
• deferred repayment - up to six months;
• collateral is a pledge of the acquired object.

Transcapitalbank

• loan term - up to 25 years;
• issuance fee - no;
• early repayment - allowed, no commission;
• collateral - pledge of the acquired object + guarantee (or at the choice of the bank).

intesa

• loan term - up to 10 years;
• the possibility of acquiring a plot of land or an unfinished building;
• initial payment - from 20% of the value of the object;
• deferred payments - up to six months.

Lending terms

A loan for the purchase of real estate for legal entities differs from a conventional mortgage in a number of ways. In particular, a major difference lies in the terms of lending. If for ordinary citizens it can be up to 30 years, then a loan for an individual entrepreneur or LLC for real estate is issued for no more than 10 years.

Interest rates are also significantly different: they are clearly higher than for individuals. The amount of the down payment is within the standard limits and ranges from 10 to 30%. Applications for the provision of such loans, as a rule, are considered longer than for individuals. persons. On average, it is about 20 days.

Concerning positive aspects, then you will be able to purchase a premise for running your business for quite short term. Of course, you will pay interest monthly, but for your own property, and not for someone else's rent.

The next nuance: a room that belongs to commercial real estate is more difficult to evaluate than an apartment or a residential building. It is also very difficult to determine how liquid such areas are.

What amount will be approved and at what percentage

The maximum limit of the available amount directly depends on how solvent you are. This fact is established after a thorough check of the business by employees of a banking organization.

As for%, for commercial mortgages they range from 9.2 to 20% per annum. In many banking organizations, the interest rate will be announced to you only after assessing your solvency.

What can be bought:

• office space;
• warehouses;
• production room;
• premises for trade;
• land plot.

What will be the pledge

You can apply for a loan of this type only if you have collateral that can cover all acquisition costs and interest under the contract itself. The following can serve as collateral:

• movable or immovable property;
• securities;
• money deposited into a bank account.

In addition, a banking organization may require the provision of a guarantee from other persons who are the owners of the business.

Insurance

Insurance of the object of purchase is carried out without fail, especially if it is purchased with credit funds. This requirement is clearly stated in the legislation.

The object that you acquire, as well as the one that you transfer as a pledge, must be insured against destruction or damage. Such insurance is beneficial for both you and the banking organization.

If an insured event occurs, then:

• the credit institution will receive its money;
• you will be freed from debt obligations, although you will lose property.

Requirements for the borrower and real estate

All purchased properties are subject to a number of requirements:

• the building must be capital;
• without encumbrance with the rights of third parties;
• area not less than 150 sq.m.;
• the property must be located in the region where the loan was issued.

This list of requirements can be expanded by a specific banking organization.

The borrower must also meet certain criteria:

• you will have to confirm that the business does not incur losses;
• commercial activity must be carried out for at least 12 or 24 months;
• the company must not produce alcohol or tobacco products;
• production does not emit to water, soil or air.

Documents for receiving money:

• questionnaire;
• application for funds;
• constituent documents of the company;
• extract from the Unified State Register of Enterprises / Unified State Register of Legal Entities;
• financial statements for a certain period of time;
• household documentation. activities;
• documents on the ownership of property acting as collateral;

The list may differ in different credit institutions.

How to get a loan for real estate for an individual entrepreneur and a legal entity

Applying for a commercial mortgage is a complicated process. Let's consider it in more detail.

Step number 1. Choose a suitable banking organization.

Decide which banking organization you will apply for the registration of this criterion. Choose the bank that best suits you according to all criteria.

Step number 2. We consult with a specialist in the credit department.

At this stage, discuss with the specialist all the nuances, read the list of necessary documentation and collect the entire package of necessary papers.

Step number 3. We transfer the documents to the specialist of the credit department.

Provide the bank with all the documentation that concerns both you and the property you are purchasing.

Step number 4. We are waiting for a decision.

The application may be approved, or you may be denied. If a positive decision is made, it will be necessary to go through the procedure for assessing the premises and property insurance.

Step number 5. We turn to Rosreestr.

This will have to be done 2 times: to register the rights to the acquired property, as well as to register a mortgage agreement. Without this procedure, the contract is not valid. For registration services, you will need to pay a state fee.

Is it possible without a down payment?

Most banking organizations offer loans for the purchase of commercial real estate with a mandatory down payment. It is to some extent a guarantee of the transaction.

The amount of the down payment has a direct impact on the interest rate under the contract. But not every entrepreneur has the opportunity to make a serious amount as a down payment. In this case, it remains only to rely on obtaining a loan with a zero contribution.

The loan rate will be higher than the standard. To get it approved, offer the bank a property as collateral, in addition to the property you are buying.

How to apply for an individual

Such a deal can be concluded if you do not plan to sell this property in the near future. Commercial mortgage as a physical You will be approved if the following conditions are met:

• the mortgage program is valid for 10 years;
• the amount of the down payment from 20%;
• you at the time of application - from 21 to 65 years (on the date of repayment of the loan);
• you are a citizen of the Russian Federation;
• you have been working at your last place of work for at least six months.

Pros and cons of a business mortgage

The following positive aspects can be noted:

• the opportunity to purchase real estate without diverting working capital;
• Individual approach to each client;
• you can rent out the purchased premises.

As for the cons, then only one can be called significant: too stringent requirements for a potential borrower. They simply scare away some entrepreneurs from applying for a loan.

The real estate market presents not only apartments and houses required to an individual, but also non-residential property, which various organizations and manufacturing enterprises need. Mortgages for commercial real estate are used by legal entities and entrepreneurs to expand storage facilities, production lines, retail and administrative space.

This option for registering new property is recognized by many organizations as especially beneficial, and for some it is the only one. possible way to consolidate and increase the sphere of its influence, since far from all successfully developing companies have free financial resources in sufficient quantities. The topic of buying real estate is most relevant for entrepreneurs and managers of small and medium-sized businesses. For individuals who purchase commercial real estate, this purchase is an opportunity to generate a stable income from renting out an object.

Features of a commercial mortgage

Among many other banking services, commercial mortgage deserves special attention, which allows you to become the owner of a non-residential fund with the involvement of bank funds on the same principles as a classic housing loan.

Mortgage programs for commercial real estate are a fairly new phenomenon in Russia. The first targeted mortgage loan programs for legal entities and entrepreneurs emerged during the last decade. The relatively low popularity is explained by the fact that these properties are in demand by a narrow category of borrowers, small business owners, whose share recently does not exceed 1/10. For some organizations, the purchase of commercial property on a permanent basis is useless - it seems more preferable and less burdensome to rent non-residential real estate for the needs of the company.

Each case of mortgage of commercial properties is unique and requires strictly individual consideration. Nevertheless, there are general parameters on how to get a mortgage on commercial real estate in Russian banks:

1. The terms of registration and repayment involve a high degree of risk, which makes it necessary to impose more stringent lending conditions. The company must demonstrate stability and profitability, and the loan is issued under more high interest with a short maturity (within 10 years). With a down payment of at least ¼ of the total cost of the object.
2. Higher rates can be 2 percent or more different from a standard home loan.
3. Only companies that can confirm a stable income can apply for a loan.
4. There are difficulties in the registration and approval process, which involve the initial execution of a purchase transaction and the further transfer of funds to the seller after agreement with the creditor. Finding an owner who is ready for such terms of the transaction is problematic due to the high risk of failure at any stage of the procedure.
5. The process of registration and coordination of conditions with the bank takes a lot of time. More than with conventional bank financing of individuals.
6. Unlike the housing stock, it is difficult to evaluate commercial real estate due to the lack of any approved standards. Traditionally, a secured property is considered promising from the point of view of a financial institution if the area exceeds 150 square meters and is in good condition.
7. The probability of refusals is higher than in the retail sector of lending to individuals, since less liquid real estate becomes the object of collateral, which will subsequently be difficult to sell at a profit. Banks are trying to refuse or are reluctant to lend to legal entities and individual entrepreneurs when it comes to a warehouse or space for expanding production.

Managers of enterprises and individual entrepreneurs who intend to reduce the costs of their activities in the long term are interested in the possibility of saving on rent. decorated mortgage, as a rule, is equivalent to rent. In addition, the payment to the bank is a fixed amount in the contract, while rental costs can seriously increase over time.

The procedure for obtaining a mortgage on non-residential property includes several stages. A feature of this program is the invitation of a bank representative to assess the financial situation with the borrower, as well as thorough preparation for the transaction. In addition to the documents of the client himself, you will need to collect papers for the collateral object.

The purchase of commercial real estate involves the collection of documentation when preparing an application to the bank, but there is no single list that must be submitted for registration. Each bank independently determines the exact list, taking into account the individual situation and status of the client. Thus, for registration of a commercial mortgage for individuals, entrepreneurs, officials of the organization, the lists will differ.

Regardless of the status of the borrower, before applying for a loan, they collect a standard list of securities:

1. Passport.
2. Document on marriage, birth of children (if any).
3. Military ID (if the borrower is liable for military service).
4. Certificate of assignment of the taxpayer number.
5. Bank account statements.
6. Documents confirming the property status - certificates of ownership.
7. Preliminary contract of sale for the acquired object.
8. Expert opinion on the value of real estate.
9. Insurance documents (personal insurance, property insurance).
10. A document confirming the seller's rights to the object of sale and the absence of encumbrances.

The above list is prepared in case of acquisition by an individual, individual entrepreneur or organization without fail. The rest of the papers are collected based on the requirements of the financial institution.

To purchase business real estate in the interests of the organization, they collect a list that reflects financial position and the degree of economic reliability of the future borrower. The representative of the organization prepares:

1. Semi-annual report of commodity-money turnover.
2. Accounting reports reflecting the expenses and income of a legal entity.
3. Statement of accounts of a legal entity and movements on them.
4. The balance sheet of the enterprise.

Additionally, for individual entrepreneurs, you will need to submit to the bank:

1. Certificate of individual entrepreneur.
2. Income tax return.
3. Certificate of absence of debts on tax payments.
4. Extract from EGRIP.
5. If the activity is subject to licensing - the appropriate permit.

Additionally, when applying for a loan, the following documents are provided by the main persons of the company:

1. A document confirming the work experience of a particular person in the position of the head of the enterprise (at least 6 months).
2. Information about the labor income of the head.

Due to the high risk of cooperation with private companies, especially representatives of small and medium-sized businesses, the sphere of lending for the purchase of commercial real estate is not widely developed. Limitations for expanding activities in this area are:

1. The unwillingness of many creditors to risk their own finances in case of default.
2. Limited coverage of mortgage programs.
3. A small number of active offers, within the framework of which a number of bank conditions are put forward in relation to the acquired property.

Commercial premises for individuals and organizations must meet certain parameters that affect the liquidity of collateral:

• area from 150 square meters;
• the object is part of capital development;
• there are no encumbrances and claims on real estate by third parties;
• location - in the region where the loan was issued.

Commercial mortgage for individuals and organizations allows you to purchase premises intended for:

• administrative needs;
• trade;
• organization of production;
• creation of new outlets in the service sector.

A careful study of the offers operating in a particular territory will allow you to choose best option design.

The search for the best offer should begin with the selection of financial institutions that provide a service such as commercial mortgages for individuals and organizations. The parameters of such lending options are more stringent, and the repayment periods are short.

Sending a request immediately to banks that work on business mortgages will allow you to identify the most advantageous offers.

1. Sberbank.
2. Alfa Bank.
3. RSHB.
4. Absolute.

Having studied the information on each of the proposals, it will be easier for the borrower to determine the most suitable loan according to the conditions and requirements.

Sberbank

The Business Real Estate project can be used by representatives of small businesses and entrepreneurs who intend to purchase commercial real estate on a mortgage secured by existing property while repaying previously taken debts to other creditors, including leasing companies.

In Sberbank, it is possible to issue a loan for objects already commissioned and under construction, provided that the development is carried out by accredited companies.

The main parameters of the offer:

1. Credit line from 150 thousand to 200 million rubles, depending on the location. In some cities, the lending limit reaches 600 million rubles.
2. The minimum percentage is from 11.8%.
3. Repayment period is not more than 10 years.
4. The amount of the minimum down payment is limited to 25% of the assessed value of the object, for rural areas - from 20%.

As additional security, the lender may request the involvement of guarantors and letters of guarantee from other companies. This opportunity especially beneficial for individual entrepreneurs who need to convince the bank of their reliability and timely repayment of the debt.

The VTB 24 program is designed for all types of objects for commercial use and offers:

• a credit line of 10 million rubles;
• a rate of 13.5% per annum;
• repayment period within 10 years.

The peculiarity of the offer is the reduced amount of the first installment - from 15 percent of the appraised value of the acquired object, and if you are ready to provide additional collateral, you can do without the first installment.

VTB Bank of Moscow Group allows you to buy land plots worth up to 150 million rubles under a business mortgage with a repayment period of up to 7 years.

The borrower is allowed to buy residential property with the possibility of further transfer to non-residential stock. Instead of the first installment, it is allowed to use an additional pledge, security deposit, guarantee of the guarantee fund.

The mortgage offer of Rosbank assumes individual conditions for registration within the following framework.

Buying non-residential real estate is now no less important than buying a home. Individuals can also buy commercial or other non-residential premises in a mortgage, as well as individual entrepreneurs. However, such a transaction will be filled with complexities and nuances that need to be considered in more detail.

Now lenders provide the possibility of such a mortgage not only for legal entities, but also for individuals.

This is due to the development of programs in order to support small businesses.

Some banks even allow individual entrepreneurs to pledge not only a mortgage, but also any other real estate that they own.

To the garage

Individuals and individual entrepreneurs can apply for a mortgage on a garage. Some banks (for example, Sberbank) issue targeted loans specifically for the purchase or construction of garages.

Of course, not all banks have such a mortgage, but in this case, you can get a regular consumer loan.

Note! Garages are not real estate in and of themselves. They are associated with the land on which they are located. In addition, a garage must, at a minimum, have a foundation to be considered a piece of real estate.

Also, according to the law, even an ordinary machine place can be mortgaged. Sberbank already practices the issuance of such loans.

The terms of this mortgage are:

1. The minimum loan amount is 45,000 rubles;
2. PV - 15% of the property value;
3. Commission for the use of mortgage funds - 10%;
4. The maximum loan term is 30 years.

It will be helpful to look at:

With land

According to Article 103, Article 69 of the Federal Law, a land plot becomes collateral if a house purchased on a mortgage is located on it.

But there are cases in which you can take a mortgage, and not pledge the land:

• If it is municipal or federal property;
• If the area of ​​the site is less than that established in the region;
• The property is on the right of permanent use.

You can learn more about mortgages on a land plot in this one.

Commercial real estate

It is more difficult for individuals to buy commercial real estate than legal ones.

The fact is that legal entities, in principle, issue loans at an increased rate, and if you allow an individual to issue such a mortgage, the bank will lose its money.

These loans are most often issued:

1. For IP;
2. Farm owners;
3. Small business owners;
4. Company leaders.

Thus, in such a case, the bank will carefully analyze the activities of the company that takes the mortgage. That is, an individual (for example, the head of an LLC) must provide not only a standard package of documents, but also company papers.

Note! Due to the peculiarities of the legislation of the Russian Federation, for banks issuing loans for the purchase of commercial real estate is accompanied by difficulties. If only because the transfer of non-residential property as a pledge from an individual is a rather specific process from the point of view of the law. Therefore, each case should be considered individually.

More often, such loans are accompanied by tougher conditions for the borrower.

Largely:

• Mortgage interest rates can be from 11.5% to 20% per annum;
• Credit amount from 150,000 to 200,000,000 rubles;
• First mortgage payment at least 20%
• Credit term - from 5 to 15 years;
• The building in which the premises are located must be capital;
• There should be no encumbrances on the right of ownership.

The specifics of non-residential premises

If for legal entities the purchase of non-residential premises is a fairly standard and already verified procedure, then individuals will have to face certain, not always pleasant, nuances:

1. Mortgage real estate will necessarily become collateral;
2. If you buy apartments, but you cannot register in them;
3. Tariff for utilities in non-residential premises is much higher, so an ordinary individual will have difficulty paying them;
4. Funds cannot be used to repay a loan maternity capital or any other housing subsidies;
5. These mortgages are not tax deductible.

What does the law say?

The entire process of buying non-residential premises for commercial purposes in a mortgage is regulated by Federal Law No. 102.

However, even he does not indicate all the subtleties of the process of obtaining such a loan. Everything is considered in general terms. And even then, only regarding the issue of collateral.

102 FZ regulates only the issue of pledge of such real estate. And this means that the requirements for borrowers, forms and lists of documents, as well as other conditions for issuing such loans are fully established by banks. And this may not be beneficial for the borrower.

Features of mortgage lending

Mortgages on non-residential real estate for individuals are quite specific. So only in the conditions of banks you can find a lot of minuses and negative moments for the borrower.

Namely:

• Such a loan always provides for increased interest (up to 20% per annum);
• The borrower is given less time to repay mortgages. So, if you buy a home, then in most cases, maximum loan term – 30 years. In the case of non-residential properties, the mortgage term rarely reaches even 10 years;
• Mortgage down payment increased. You will have to pay at least 30% of the property value;
• More stringent requirements for borrowers than in the case of housing loans;
• If you buy a building, then the land on which it is located is also pledged;
• If the mortgaged premises are pledged as part of the common premises, then the creditor receives the right to this share and the land plot.

Note! To avoid such conditions, you can take a regular consumer loan. It is much easier to find a lender for such a loan, and you can purchase any non-residential property:

1. Garage or car space;
2. garden house;
3. outbuilding;
4. Apartments.

Loan conditions

Lenders can set any requirements and conditions, as this is not limited by law. Therefore, each bank can present its own requirements, and for greater accuracy, it is worth contacting a bank employee directly with this question.

Individuals can obtain a mortgage on non-residential premises only under the following conditions:

• An individual is an individual entrepreneur;
• The owner of the business, one of the founders or a major shareholder;
• Acting top manager in LLC;
• The borrower must be a citizen of the Russian Federation;
• This firm must have a good reputation;
• The company must be located in the region where the bank is located;
• The company is registered in the Russian Federation and pays taxes.
• Must be between the ages of 21 and 65;
• The area of ​​the property must be at least 150 square meters;
• The object is located in the region where the bank is located;
• This is a capital building;
• There are no encumbrances on property.

Useful video:

Banks providing loans

Not every bank is ready to provide such a loan. Usually, such an offer can only be found with a large lender.

Registration process

When applying for such a mortgage, the borrower will have to adhere to the following instructions:

1. Submission of an application, with attached documents;
2. Waiting up to two weeks for the bank to review and approve the application;
3. The loan amount and other conditions are calculated;
4. The borrower chooses a property and submits its documents to the bank;
5. After approval, a mortgage agreement is concluded;
6. Buying a property;
7. Registration of the transaction in Rosreestr.

Registration procedure

Required list of documents

In the process of obtaining a mortgage, you will have to provide the bank with the following documents:

• An employee of the company brings the charter;
• Agreement on its creation;
• Extract from the register;
• Activity license;
• A certified sample of the signature of the head and an imprint of the company's seal;
• An individual entrepreneur must provide a passport;
• Document from registration;
• license;
• Sample of your signature;
• And also, you need to bring information about the head of the LLC and the financial condition of the company;
• Information about the credit history of the company;
• Copies of business agreements and project.

Photo gallery:

Passport of the Russian Federation Certificate of registration of IP
Sample of your signature Credit history

Sample contract

The mortgage agreement is concluded on an individual basis. Its clauses may differ, depending on the terms of the loan, but in general, such an agreement should have such clauses as information about the borrower and the bank, mortgage conditions, rights and obligations of the parties, as well as a mortgage repayment scheme (the possibility of early repayment is also taken into account).

Registration term

The last step in the mortgage process is registering the deal. Usually, it takes no more than 15 days. Along with this, you need to pay a state fee. A legal entity pays 4,000 rubles, and an individual entrepreneur - 1,000 rubles.

Possible difficulties

It is not easy for individuals to get such a mortgage. Basically, there are difficulties in obtaining a pledge. The fact is that such real estate is not immediately transferred to the bank. The borrower will have to go through the process of transfer of ownership. To do this, banks have three main schemes.

The seller receives an advance payment in the amount of the first loan payment. After that, the transfer of ownership and the transfer of the object as a pledge are formalized. And only after that, a mortgage agreement is concluded, and the rest of the funds are paid to the seller.

Similar to the previous option, the seller receives an advance payment. But the transfer of rights occurs simultaneously with the execution of the sale and purchase agreement and the mortgage. A transaction is registered only after the transfer of all securities.

The last scheme is the most ornate. First you need to register a new company, in whose name the ownership is transferred. After that, the cost of real estate is paid by the bank, and the buyer concludes a contract of sale of a new legal entity with the seller. The encumbrance will be removed only after the transfer of the pledge.

Mortgages on non-residential properties are more difficult for individuals. Such a transaction will mean higher interest rates and a reduced loan term, which is not very beneficial for the borrower. However, knowing about all the intricacies of such lending, you can avoid some of the difficulties and get more pleasant mortgage conditions.

It became possible to get .
You are happy?
Me too.

Have you not noticed my stormy joy on this issue?
Not surprising, because there are so many subtleties in this matter that you can get loan for the purchase of non-residential premises- possible (theoretically), but practically - quite difficult.
But let's figure it out.

Why buy non-residential premises?

I will not reveal a terrible secret if I say that offices are bought for rent, in order to make a profit;
or to ensure the life of the company.
It would be logical to assume that if an office is needed for the activities of a company, then it should be registered with the company as a legal entity.
So?

But the situation is developing in such a way that banks are ready to issue a loan for the purchase of non-residential premises: an office, a store, a warehouse, etc., only on condition that it is issued to an individual. This requirement of the banks can be viewed both as a positive and as a negative point: here everyone decides for himself, but I want to note that this is so, and not otherwise (according to the existing programs of banks).

Why can this be seen as a negative point?
Because the income of the company is not equal to the income of the founders of the company.
And in order for the bank to issue a loan, it is necessary that the borrower's income would be clear to the bank.
The turnover of the company can be huge, but the founders can use all income for business development, and therefore, the income of the founders can be equal to their salaries, without dividends from the business.
The income is small - the credit is small: it would be desirable to buy office, - and it is impossible.

Land under the office.

When an apartment is purchased, few people think about the fact that the house is on the ground and about who owns the land and what it is burdened with.

When it comes to buying non-residential premises, the issue of land is one of the most important.
The land is purchased along with the office.
And, if the former owners of the non-residential premises do not own the land, but under a lease agreement, then one of the questions of the bank is: for how many years?
For three years?
Then the maximum loan term will be equal to three years, since landlords have the right not to renew the lease.
(If the bank generally agrees to give a loan).

But that's not all: we come to the most interesting.
To make everything clear, I will recall the main stages of buying an apartment, and then compare them with the procedure for purchasing an office.

How to buy an apartment on credit?

Briefly, the process can be represented as follows:

1. Collect a package of documents confirming your solvency;
2. Submit documents to the bank and get the decision of the credit committee;
3. Knowing how much money the bank is ready to give you on credit, look for an apartment;
4. Having found an apartment, advance it, confirming your readiness to buy this apartment;
5. Collect documents for the apartment, submit them to the bank and insurance company;
6. If everything is in order with the documents and they do not raise questions from either the bank or the insurance company, the day of the transaction is set;
7. The day before the transaction or on the day of the transaction, the apartment is insured and the loan agreement is signed;
8. On the day of the transaction, the bank transfers the money to you, and you and the seller of the apartment enter into a transaction.
9. The signed contract shall be submitted for state registration. Since the purchase of an apartment occurs with the use of credit funds, a mortgage arises by virtue of the Law.
   Pay Special attention that (in most cases, according to the loan programs of most banks): The apartment is pledged to the bank at the same time as the purchase of the apartment by the borrower-buyer. Everyone is happy and laughing: the seller gets his money; the buyer - an apartment, the bank - securing a loan in the form of a pledge of an apartment.

How to buy an office on credit?

Actions of the buyer-borrower upon purchase office on credit, almost the same as when buying an apartment (up to point 7). Then the most interesting begins.
When a bank issues a loan, the bank needs to secure the loan. That is, the bank will release the money out of its control when the office is pledged to the bank: there is a pledge - Dear Seller, get the money.
According to existing legislation, a mortgage by virtue of the Law when buying non-residential premises is not possible: only by virtue of an agreement.
That is, the purchase procedure office on credit could look like this:

• The Bank signs a loan agreement with the Borrower;
• The bank lends money to the borrower;
• The borrower buys the office and the seller receives the money;
• The borrower pledges to the bank....
  And here the bank begins to have doubts: what if it doesn’t mortgage, and the loan will not be secured?
  But it's no secret that the cost of an "average" office is much more expensive than an "average" apartment. And since the cost is more expensive, then the bank has more risks.

How to be?
Ready to have some fun? (And those who buy an office on credit are having fun through tears):

Option two:

1. • The borrower must convince the seller of the office that he must mortgage the office to the bank. Once again: not the Borrower, but the seller must mortgage the office to the bank.
   • The Borrower then purchases the mortgaged office from the Seller. That is, two conditions are met: the office is pledged to the bank and the Borrower becomes the owner of the office.
     Only if both of these conditions are met, the seller receives money for the office.
     
   The legitimate question of the seller: “What happens if the buyer refuses to buy an office: the office is mortgaged to the bank and the Seller, in order to sell it to someone else, you need to remove the pledge?”
   
   It is recommended to answer this question with some bunch of "shurshikov". But even with such an answer, the sellers are reluctant to agree.
2. • The borrower buys the office from the seller, but the seller does not receive the money until the office is mortgaged by the buyer-borrower to the bank.
   • Collects documents for bail
   • Mortgages an office for a bank
   • Only now the office seller can get money for it
   Legitimate question of the seller: “I sold the office. How long will I have to wait for my buyer to mortgage this office to a bank?”
   And an even more legitimate question from the seller: “Why do I need all this?”
   (We convince in the same way as in the first case).

(I see, through the distances separating us, how you are preparing to argue.
In vain: if you want to get a mortgage loan for the purchase of non-residential premises, then the scheme, alas, is as follows. If you decide to argue with me - all the more in vain: I didn’t invent these schemes, I just tell what is and now laquo "works" raquo.)

Do you need an office on credit or just a loan?

Let's say you're thirsty. If I offer you tea with sugar (or without it), will you get drunk?
And now, the tricky question: “Do you need tea to get drunk?”
So it is with the office: you need office on credit or a loan with which you can buy an office?

• You can buy an office with the help of leasing schemes. ( I’ll make a reservation right away: it’s not my topic, therefore, apart from the theoretical possibility that this is possible in principle, all questions about leasing are not for me)
• You can borrow money against the security of your apartment.
• Money can be taken on the security of your cottage.
• Money can be taken on the security of an existing apartment owned by your wife (husband, if any), parents, parents of the wife / husband (that is, mother-in-law / mother-in-law).
• There is, however, one more way to resolve the issue: you can buy an apartment on credit, and then transfer it to a non-residential fund. This method is one of the simplest, but if you want to buy a store (with large windows) or an office in an office center (where there was no residential real estate), then this path, alas, is not for you.
• Does not work?
  Well, then you can get money to buy an office by taking a loan secured by the purchased office space: this way is not the easiest, although banks not only issued loans theoretically, but also practically, but I warned about the difficulties you would encounter: it became be ready for them.

1 This interest rate is valid for a loan term of 120 months. and the loan amount is more than 5 million rubles. Final size interest rates set individually and depends on financial condition the borrower, the term and amount of the loan, as well as the collateral provided. Detailed information about loan products PJSC Sberbank for small businesses, lending conditions and documents required for obtaining a loan, you can get at the Bank's branches serving legal entities and individual entrepreneurs.

2 The maximum amount of deferment for certain categories of Borrowers is indicated. The final amount of the principal debt repayment deferral is set individually for each Borrower and depends on its solvency and credit history with the Bank for previously issued loans to legal entities.

3 The product is not provided to certain categories of customers, incl. individual entrepreneurs.

4 Maximum loan amount up to RUB 600 mln. valid in the following cities: Volgograd, Voronezh, Yekaterinburg, Irkutsk, Kazan, Krasnodar, Krasnoyarsk, Nizhny Novgorod, Novosibirsk, Omsk, Perm, Rostov-on-Don, Samara, St. Petersburg, Ufa, Chelyabinsk, Balashikha, Krasnogorsk, Mytishchi, Odintsovo, Podolsk, Ramenskoye, Khabarovsk. In other cities on the territory of the Russian Federation, the maximum loan amount is up to 200 million rubles.

5 Except for land plots