– one of the types of modern lending. Any land owner can count on receiving such a loan. However, you will have to work hard to find a bank that offers such a program.

Risks for the bank

Despite the great demand, most lending institutions are in no hurry to provide loans secured by land. The risk is too great, since the liquidity of land plots is quite low. Therefore, even if banks decide to do this, the lending conditions for the borrower turn out to be unfavorable.

As a rule, banks consider applications from clients who own a plot of land with an area of ​​more than 6 acres. Moreover, the amount of funds issued directly depends on this indicator. The greater the ownership, the larger the loan size.

Plot with a house: advantage or disadvantage

The presence of residential buildings on the land plot offered as collateral, on the one hand, is a prominent advantage. This significantly increases the bank's guarantees. On the other hand, it raises difficulties associated with the assessment of private real estate and the relevance of this assessment throughout the duration of the loan agreement. It happens that after 5-10 years, country buildings lose their value, for example, as a result of natural wear and tear.

Banks offering loans secured by land

Among the huge number of credit institutions operating in our country, only a small part implements a lending program secured by land plots. These are mainly leading banks that are among the first fifty largest banks in Russia. You can get a mortgage or non-targeted loan by mortgaging land today by contacting:

• Sberbank;
• International Moscow Bank;
• Rosevrobank;
• Bank of Moscow;
• Credit Bank of Moscow;
• Rosselkhozbank.

Criteria for assessing mortgaged land

Even before deciding to issue a loan, banks carefully study the collateral. All credit institutions adhere to almost the same criteria:

• The land offered by the client as collateral must necessarily be his full or shared ownership. In the latter case, you can only mortgage your part of the plot.
• The site must either have an agricultural purpose or be suitable for residential construction.
• If it is planned to build a house on a plot of land, then the relevant documentation must be submitted: a building permit, a construction project, a contract.
• If there is already a residential building on the site, then an enviable advantage will be that the client has ownership rights to it too. This will cause an increase in the size of the collateral, and, consequently, the loan amount. It is important that the owner does not lose the right to mortgage the land if there is an object owned by a third party on it.
• The cost assessment of the site must be made taking into account all buildings, including non-residential ones, owned by the client. The amount of the deposit is also increased by such circumstances as: the presence of communications, access, good territorial location, popularity of the place, presence of security and other amenities. In most cases, the assessment is trusted to independent experts.

Basic conditions for lending secured by land

On average, all banks are ready to offer a loan secured by land on the following conditions:

• Loan amount: from 30 thousand dollars to 80% of the market value of the site.
• Interest rate from 12 to 16% per annum.
• Loan term from 1 year to 30 years.

The variation of these indicators depends not only on the value of the land owned, but also on the client’s confirmed income. The loan amount is directly proportional to the borrower’s income, and the interest rate, on the contrary, is lower, the higher the income.

Mortgage lending secured by land

Some banks are implementing programs for issuing targeted loans secured by land plots. In this case, the money received must be used by the client for the construction of residential premises. Thus, MKB finances funds in the amount of up to 80% of the value of the mortgaged land. The loan agreement can be drawn up for a period of up to 10 years.

The Bank of Moscow practices a phased lending program. At the initial stage, an amount equal to a certain percentage of the cost of the site is also issued. And as the work progresses, the loan amount increases. The client receives the opportunity to timely finance construction.

Do you need to get a loan urgently? You can get a large sum at a low interest rate by securing a loan with a piece of land as collateral. Not only an apartment or a car, but also a plot of land can serve as collateral.

Features of a loan secured by a land plot

A loan secured by a land plot is one of the forms of collateral lending. The borrower can count on the most favorable conditions. The amount and term of such a loan are significantly higher than that of an unsecured loan, and the interest rate is lower. Thanks to the presence of collateral, even a person with a bad credit history can receive funds.

A feature of a loan for a land plot is that the collateral can be an empty plot of land, which, unlike the same apartment or car, the borrower does not use. It is psychologically difficult for a person to provide his home as collateral. Land lending solves this problem.

Even an undeveloped plot of land can become a tool for obtaining funds. A loan secured by land is not targeted, and the borrower can use it at his own discretion. This financing option is an excellent reason to realize your dream and build a house on an empty plot.

Advantages of a loan secured by land

• interest rate is low;
• long loan period;
• the opportunity to receive a large amount;
• no need to confirm income;
• no guarantors are needed;
• no hidden fees;
• can be received in cash;
• the ability to spend a loan secured by a plot of land for any purpose without reporting expenses to the bank.

What documents are required for registration?

• borrower's passport;
• title documents for a plot of land;
• cadastral passport, land plot plan;
• certificate of ownership;
• certificate of payment of land tax.

What are banks looking at?

A plot that belongs to the category of residential or agricultural land can be provided as collateral. You can take out a loan secured by land if it is owned by the borrower and it must have all the necessary documentation. The land plot must be geographically located in the region where the credit institution operates, and no encumbrance must be imposed on it.

The loan amount directly depends on the estimated value of the site. It is influenced by many factors. First of all, it's location. If the site is located in an elite cottage community, this can significantly increase the loan amount. The presence of buildings and engineering structures also has a positive effect on the amount of financing. If a loan secured by a plot of land is taken out for construction, then providing supporting documents will significantly increase the chance of receiving a larger amount.

“Credit Laboratory” is a company that provides advice and assistance in obtaining a loan in Moscow and the Moscow region. Many banks have tightened requirements for their clients. Getting a larger amount has become more difficult. We will save you from having to look for a bank that will issue you the amount. Contact the professionals! Our company will assist in obtaining funds. Our partners are the largest banks in Russia. Our goal is to reduce the possibility of loan refusal to zero.

No proof of income? Bad credit history? This is not a sentence. We will help you find a bank that will issue you a loan, and will also provide assistance in preparing documents and their execution.

What are the requirements for a pledged land plot? Which bank can I get money secured by land (IZHS)? How to take out a loan secured by land and avoid becoming a victim of scammers?

Denis Kuderin is in touch, an expert at HeatherBober magazine and the presenter of the Personal Finance column.

A neighbor in my dacha recently asked me: do you happen to know how much our land costs? Our plots are approximately the same, but I didn’t know the price, even approximately. And in turn, he asked his question - for what purpose are you interested?

The neighbor said that she was taking out a loan from a bank, and since her salary was “gray,” the security service was not satisfied with her level of solvency. Therefore, the bank wants guarantees - some valuable property as collateral.

The neighbor doesn’t want to risk the apartment, you never know, but she’s quite ready to pledge the plot along with the house. But he doesn’t know whether this option is suitable for the bank. And I don’t even know what the registration procedure is and how long it will take.

Especially for my neighbor and all other readers interested in this issue, I conducted a detailed study and found out all the nuances of the process lending secured by land. I am sure that after reading the article you will not have any questions on this topic!

Read to the end - advice awaits you at the end, how to avoid fraud when registering land as collateral, plus list of banks with the most favorable lending conditions.

1. Loan secured by land - increasing the chances of getting a loan

Your chances of getting a loan will increase many times over if you provide the bank with additional guarantees of your solvency. The most reliable guarantee is the pledge of valuable property, in our case - real estate in the form of land.

If you are the full owner of liquid land and want to take out a loan for the purchase of an apartment, construction, renovation, business or other needs, you will receive more money by taking out a loan secured in the form of a land plot.

What does the pledge provide:

• loan interest rate decreases– and a few percent per annum means tens of thousands of rubles saved;
• loan term increases– which means monthly payments will be lower;
• simplifies the registration procedure– bank employees no longer study credit history so biasedly and require fewer documents;
• the loan amount increases– in proportion to the value of the collateral property.

Prices for suburban land plots are quite decent. For reference, land 30-50 km from the Moscow Ring Road (7-10 acres) costs approximately 2-5 million rubles . The closer to Moscow, the higher the prices. In other cities, prices are more modest, but it all depends on the location, area and other factors, which I will discuss in the next section.

Unlike the apartment in which you live, the plots are often not used in any way - they are simply empty “until better times,” overgrown with weeds. It is psychologically much easier to pledge such property as collateral than a residential apartment.

At the same time you remain full owner of the land– you have the right to erect buildings on it, use it for commercial purposes (for example, rent it out with the permission of the bank), even permanently reside on the site. Forbidden sell, exchange and donate land.

But far away not all areas banks will take it as collateral. The location of the land matters. If your site is located somewhere in a remote village, credit companies will not be satisfied with such collateral.

They need liquid land- that is, one that is easy to implement if for some reason you stop paying the loan.

Land plots are issued targeted And non-targeted loans. The first option is preferable: banks are much more willing to give money to improve living conditions– for the purchase of a house (apartment), construction and renovation.

But it will be necessary to prove that the money will go exactly to the stated purposes. If you spend it on construction, be prepared to show bank employees a design for your future home or a contract agreement with a construction company.

They are taken by those who do not want to report to the bank about their expenses.

Banks are not the only organizations ready to take land as collateral. They do it - and even more willingly - MFO, pawnshops and other financial companies. The conditions in such institutions will seem almost ideal at first glance, but they will never miss their benefits.

Risk of losing land in cooperation with companies in the non-banking sector increases many times over. This area is full of outright scammers who take advantage of the trust of citizens, their financial illiteracy and hopeless situation.

Experienced people advise dealing only with banks. If you cannot do without the services of intermediaries and independent credit companies, be sure to check their status through the Tax Service website or consult with professional lawyers before signing any contracts and papers.

2. What should the collateral plot be like - a list of basic requirements

The loan will not be given if there are encumbrances on the land in the form arrest, right of gratuitous use or lease agreement, if the plot has already been mortgaged or purchased on credit, which you have not yet closed.

Other criteria:

• the site belongs to the category agricultural land or lands of settlements ;
• it is registered as your property according to all the rules;
• is within the coverage area of ​​the banking product;
• if there is a residential building on the site, the client must have property registered for it as well - in this case, he has the right to register the site at the same time.

But the most important characteristic is land liquidity. This criterion depends on many related factors - geographic location, prospects for the development of the territory, and the availability of infrastructure.

Now let’s take a closer look at the main requirements that the bank puts forward for collateral plots.

Requirement 1. Availability of access roads for year-round travel

If it is difficult to get to the site - in winter the road is covered with snow, and in the off-season there is impassable mud on the way - banks are unlikely to be interested in such collateral. But if the land is located in an elite cottage community with excellent access roads, its value immediately increases.

Requirement 2. The land is owned by the borrower

Ideally you should be sole owner of the land. But if your spouse owns the land with you, this is also an acceptable option. She will write her consent to register the pledge and the formalities will be settled.

But if he owns a share of the plot minor(son, daughter, grandson), credit companies are unlikely to agree to take such land as collateral.

Requirement 3. The site is not part of a nature reserve

If the land is at least partially owned by the state and the municipality, it will not be possible to register it as collateral.

The plot is also should not be located on the territory of a natural or historical reserve, in a water protection or industrial zone.

Requirement 4. Neighbors on the site have no claims against the owner

Your neighbors do not have any territorial claims against you, at least officially.

If you urgently need money secured by land within 1 day, then you will have to try to find an offer that will suit you in all respects and will allow you to receive funds really quickly. The collateral, which acts as security for the loan, becomes a guarantee for the lender of the full return of the funds issued to the borrower. From the article, all interested parties will be able to find out whether it is possible to take out a loan secured by a land plot, and under what conditions this can actually be done.

Contents

What you need to know about such lending

Having set the goal of getting money secured by a land plot, you first need to find out the main nuances of this type of lending. They are:

1. Collateral assumes that the plot is pledged, becoming security for the loan. This means that if the borrower refuses or ceases to fulfill the debt obligations assigned to him, then the land will be sold under the terms of the loan or credit agreement: the lender will use the proceeds to pay off the debt.
2. When pledging, the borrower remains the owner of the plot, that is, the rights of legal ownership are retained by him, and the land is not re-registered to the bank. But, firstly, there is always the risk of losing your land. Secondly, the pledge imposes restrictions on the performance of such actions as the sale or division of a plot, or the construction of buildings on it.
3. Various types of plots are accepted. Thus, you can get a loan secured by your own agricultural land intended for construction or for conducting commercial activities. But there are certain requirements that must be met.
4. Pledge of the plot will allow you to achieve favorable conditions, namely, increase the repayment period, reduce the annual rate, and receive a large amount that exceeds that available for consumer lending.
5. The registration procedure is quite lengthy, because loan and plot mortgage agreements are drawn up, numerous real estate documents are prepared, inspections and registration of the property are carried out. Therefore, it is extremely difficult to reach a deal on the same day: lenders are not ready to force things and spend extra effort and money to speed up the procedure.

We analyze all the pros and cons of pledging a plot

Loans issued against land plots have both negative and positive aspects. It’s worth starting with an analysis of the advantages:

• Reduced interest rates, allowing you to avoid significant overpayments when repaying debt. Their sizes are usually 3-7% lower than for standard consumer lending.
• Possibility to extend the payment period. Although it will take quite a long time to repay the loan taken as collateral, monthly payments will not greatly affect the family budget and significantly worsen the financial situation.
• Since the land pledged serves as security for the loan and guarantees complete repayment of the debt even under force majeure circumstances, lenders pay less attention to other factors. For example, different options for verifying income may be accepted, and credit history ceases to be the main criterion when considering applications.
• The client does not transfer the plot to the bank, remaining its owner.

There are also disadvantages:

• The owner of a plot of land cannot do whatever he wants with it. For example, he does not have the right to divide it or sell it, and the construction of buildings on the territory is not always possible and only with the permission of the creditor.
• The procedure is complicated by the preparation of documentation for the pledge.
• When transferring a plot of land as collateral, there is a risk of losing it in case of non-payment of debt, because the bank, under the terms of the agreement, has the right to sell the land if the other party (client) refuses to fulfill its obligations.

Good to know! The shortcomings mainly affect force majeure situations and unscrupulous payers: if you soberly assess your financial capabilities, choose the most suitable and loyal terms and treat debt obligations in good faith, you can avoid problems, receive money as collateral and save the site.

Where can you get money secured by a land plot: current banking products

Which bank issues loans secured by land? Although financial institutions are reluctant to make deals if the collateral is land, there are still current offers, and a potential client will have plenty to choose from. Let's look at a few products.

"Sberbank"

Sberbank issues a non-targeted loan against collateral, and plots can be mortgaged. The conditions are:

• From 12.5% ​​per annum at interest rate. For salary clients – minus 0.5%, and if they refuse voluntary insurance, the value increases by 1%.
• Up to 10 million rubles. to be received.
• Repayment may take up to 20 years.
• Applications are reviewed within a maximum of 6 days, the amount is issued in a lump sum, and payments are annuity (equal).

"Tinkoff"

You can actually get money from Tinkoff using any real estate, including land, as collateral. Features of lending:

• Rates start from a minimum of 12%.
• It is realistic to take up to 15 million rubles.
• The mortgagor does not have to be the borrower himself; objects belonging to relatives and even friends are accepted.
• The duration of the contract is maximum 15 years.
• Income is verified in different ways.

"Sovcombank"

At Sovcombank, it is possible to take out a loan only on the security of a plot with a residential building on it; land is not accepted separately. The principles are:

• The rates are 14.99% and 23%, but may differ from these values ​​and be selected personally.
• It is realistic to achieve an amount of up to 100 million.
• Deadlines are individual.

Rosselkhozbank

Rosselkhozbank has several lending programs in which liquid plots are accepted as collateral: both those already registered as property and those purchased with borrowed money.

The conditions may be as follows:

• The rate in rubles is from 11.5-13.5% and higher.
• Amount – from 1 million to 10.
• Loan terms are up to five to ten years.
• Money is issued in a lump sum without charging any fees.

What can affect the loan amount?

The final loan size is influenced by several factors, which are the main characteristics of the site. The liquidity of the property depends on them, that is, the ability to sell it quickly and at the highest possible market price. All the underlying factors are discussed below.

Location

Plots located outside the city limits are considered illiquid, so they are rarely accepted as collateral. The land must be located on the territory of a populated area, and preferably in a prestigious location with good infrastructure. An excellent factor will be the presence of nearby bodies of water, parks and protected areas.

Relief features

The plot of land to be pledged must be as level as possible, since territories with complex terrain are difficult to develop: it is difficult to erect buildings on them, plant trees, or create landscape design. Land located in ravines, on hilly areas or slopes is considered illiquid.

Square

The larger the area of ​​the plot, the more willingly it will be accepted as collateral, and the higher its market value will be. The optimal square footage is about 6-10 acres. These are medium-sized plots on which you can build houses and create gardens. Larger territories are accessible only to people with high incomes and are not suitable for the middle class (namely, its representatives more often apply for loans).

Driveways

It is important that equipped and well-passable access roads lead to the site. The ideal option is a wide asphalt road that can be passed by any car at any time of the year. A dirt road may periodically be covered with snow in winter or washed away in the off-season.

Fertility of the earth

As a rule, plots are purchased not only for buildings, but also for farming, gardening, and vegetable gardening. Therefore, if the land is poor, clayey, heavy, sandy or swampy, then it will cost much less, which will directly affect the size of the loan. Fertile soils increase the liquidity of the site.

Requirements for sites

Loans secured by plots are issued if the land suits the lender and meets the requirements. Lands that have different purposes are accepted, for example, used for the construction of country houses or permanent residential buildings, farming, gardening or vegetable gardening, or opening a business. Accordingly, the requirements are different, but several mandatory ones can be identified:

• there are no persons under the age of majority among the owners;
• there are no encumbrances, such as a pledge in another bank, a seizure, going through court cases and participation in proceedings, a division has begun;
• the plot is privatized, belongs either to the borrower or to the co-borrower (mortgagor);
• no other persons claim the territory;
• the land is located on the territory of the city in which the bank operates.

Also, some lenders require well-developed infrastructure, access roads and communications (gas pipeline, water source).

For your information! If the site belongs to a protected area, protected or closed area, it is unlikely to be accepted as collateral.

How to properly take out a loan secured by a land plot: the procedure for preparing and concluding an agreement

It will not be possible to quickly obtain a loan secured by a land plot without drawing up and signing an agreement. And the terms of lending and the debt obligations of the borrower directly depend on the correctness of its preparation and thorough study.

The agreements for the loan itself and the collateral are drawn up separately. The loan agreement specifies the conditions for issuing borrowed funds, personal information and the responsibilities and rights of the two parties, the payment schedule, penalties and other nuances. Information about the collateral must be entered.

The pledge agreement contains a full description of the pledged plot (area, location, purpose) and features of its use: restrictions imposed on the actions of the owner, the rights of the lender in the event of non-payment of the debt by the borrower.

Collection of necessary documents

To draw up, let alone conclude, an agreement, you need to provide documents. The borrower must present a civil passport and, at the request of the lender, a second document (for example, TIN, SNILS). A work book with a copy is provided to confirm employment. You will also probably have to collect certificates confirming your earnings (as a rule, this is 2-NDFL or a bank statement).

The following are going to the site:

• an extract from the Unified State Register confirming ownership rights;
• boundary and cadastral plans;
• documents proving legal entry into ownership rights (purchase agreement, act of exchange or inheritance);
• certificates stating that there are no encumbrances;
• notarized consent of the second legal spouse to the alienation of land (or a certificate of absent marriage);
• a certificate of payment of all taxes accrued on the site.

Sample contracts

In order not to make a mistake, you need to familiarize yourself with sample agreements and remember that for a loan (loan) and collateral they are drawn up separately. Free form is not allowed, there are established rules for writing, so be sure to read the examples.

Procedure for registering and issuing a pledge

The plot, if accepted as collateral, is subject to registration, which consists of several stages:

1. Insurance covering damage or loss. As a rule, it is mandatory.
2. Documents are being registered for transfer to the Federal Registration Service - the Office of the Federal Registration Service, where transactions with real estate are carried out. The state fee is paid, a number is assigned, and the documents are sent to the cadastral service.
3. Registration in the State Register, which requires the presence of both parties: the borrower and the lender. Information about the transfer of the plot as collateral is entered into the Unified State Register of Real Estate.

For your information! All registration operations take from 2 weeks to a month, but sometimes these periods can be reduced to a week or even less. And yet, it is extremely problematic to enter into a deal in one day.

How long does it take to process applications?

It takes on average about 4-8 days to process applications, and during this period the lender carefully checks the property and the solvency of its owner. An assessment of the cost of the site is also carried out in order to determine the maximum amount of the amount.

For your information! If all the documents are ready at the stage of submitting the request, then you will be able to take out a loan secured by land the next day or two days later.

What nuances arise

When applying for a loan secured by the purchased land plot or your own, various nuances may arise, which sometimes lead to an extension of the registration procedure or even rejection of the application. Such cases are discussed below.

Credit history is damaged

If your credit history is damaged, this reduces the likelihood of approval, because it is unlikely that the lender will want to deal with a persistent defaulter. But loans are issued secured by land to almost all categories of citizens by private lending companies. One of them ➥.

Here you can get a loan for up to 90% of the collateral price (up to 100 million) at 9.5% for a minimum period of up to 25 years. And applications are considered not only by the company itself, but also by the investors it attracts.

If the ground is not suitable

If the site does not meet the requirements or is used for purposes other than those specified in the documents, it is unlikely to be accepted as collateral. But even in this case, you can turn to private lenders, brokers or, for example, a pawnshop. You can also try to re-register the land by changing the purpose or improving the characteristics.

For your information! The reason for refusal of a pledge may also be the lack of a cadastral number assigned to the site or the delineation of fixed boundaries.

It is possible to pledge a plot of land as collateral, and now you know where you can apply for a loan and how to speed up the procedure for receiving money.

Video: for a good mood!

We offer you to receive cash for any purpose. Any amount available. All this is quite quick and simple - you can borrow the necessary amount for a plot of land in the Moscow region for consumer needs right now. How to do this, and how much will this loan cost?

Money for a plot: the procedure for obtaining such a loan

Applying for a loan is simple - the potential recipient only needs to complete three steps:

According to this algorithm, a loan secured by a land plot will be provided in just a few hours; the transaction rarely takes a couple of days. The approved amount is issued in cash at the company's office.

Features of loans secured by land

In addition to the high speed of processing, a loan secured by a plot of land has other significant parameters:

Loan size

Up to 35% of the assessed value

Payment period

You can repay the loan for up to 20 years

Interest
monthly rate from 4.5%

Complete absence of imposed services
and products - commissions, insurance, notary or appraiser services when a loan is issued as collateral for a dacha plot of land

The conditions for obtaining credit resources in our company are very flexible. We do not limit our clients to strict limits and do not set many requirements. Moreover, we can also take a private house as collateral.

The decision on how much money, for what period, and with what percentage will be issued to the client is made taking into account all the individual parameters of the transaction. The criteria common to all are taken into account with which it is proposed to issue money (loan) secured by a land plot:

large amount – up to 35% of the value of the collateral;

long repayment period - up to 20 years of settlement;

monthly interest rate – from 4.5%;

zero associated costs for obtaining and servicing a loan - money secured by the plot is issued without commissions or imposed insurance.

The choice of the loan amount and repayment terms affects the total overpayment, because the rate is set personally - separately for each transaction.

Secured plots can be of any kind, but the rate also depends on their liquidity. Interest rates are also influenced by the characteristics of the borrower himself. The fact that he has Russian citizenship can lower the rate. The fact of long-term ownership of land by the owner will have a similar impact. But if the plot was purchased with the help of a bank, and the mortgage has not yet been paid, this will increase the interest rate on the requested non-targeted loan, but the money will still be provided.

What are the advantages of a plot loan?