Accumulative contribution of the Belarusian bank for construction. Save up for the construction of an apartment in three years: how the building savings system will work
Via building savings it will be possible to solve the housing problem in Belarus. It is this, practiced in many countries, the option to build an apartment or a house today is considered by the government as the most optimal. On how to apply this way in our republic, so that it is beneficial for both citizens and the state, they have been working in the Ministry of Architecture and Construction for several years.
What is the Housing Construction Savings System and how soon will it start working?
The system in theory ...
In fact, the system of housing construction savings is the accumulation of citizens' own savings (a certain agreed amount) plus a loan for housing construction for the rest of the amount for favorable terms... At the same time, you need to save not at home, but in the bank. It turns out a kind of "housing piggy bank" where the participants of the system put their money and from where only they can get the necessary sums later.
This option is actively used to finance housing construction in many places in the world. Everything is pretty transparent and understandable.
... and in practice
It must be said that a similar mechanism is already working in the country: since July 1, 2006, branches of JSC “JSSB Belarusbank” throughout the republic have started accepting funds for deposits within the framework of the Construction Savings System. However, as practice has shown, the proposed option has many shortcomings, and therefore is not popular with the population. So far, few agreements have been drawn up.
That is why today the updated draft decree developed by the Ministry of Architecture and Construction is of interest. The document proposes slightly different from the initial approaches to the implementation of the entire process in the construction of housing on savings system... One of the main points is to increase the responsibility of citizens, who are guided to the need to participate in financing housing construction. Yes, there is no straight line governmental support, however, quite acceptable conditions are offered and the possibility of improvement housing conditions- including citizens who are not registered in need.
The draft Decree of the President of the Republic of Belarus "On the state system of housing construction savings" is already under discussion in the government. According to the latest information, the document has been fully agreed upon by all interested parties, with the exception of the Ministry of Finance.
Accumulation rules
So, the proposed system housing savings provides for a certain period during which citizens wishing to improve their living conditions must accumulate at least 30% of the cost of future housing. It will take 3 to 7 years to save “for an apartment” (it is stipulated that families with a higher income will be able to save money for improving their living conditions in a shorter period).
The remaining 70% of the amount required for housing construction will be credited. Moreover, the loan is offered on fairly favorable terms: for 15–20 years with a rate of 1–2 percentage points below the market rate. Today, for the most attractive real estate loans (for general grounds) the rate is 13.5%.
In addition to a loan at a rate below the market rate, the system of housing construction savings also has other advantages: for example, in the option with a deposit, it will take much longer to save up for housing. Well, and also a bonus in the form of a premium from the state.
Vladimir Doropievich, Deputy Head of the Housing Policy Department of the Ministry of Architecture and Construction of the Republic of Belarus: “For participation in the system, all citizens, regardless of whether they are registered as needy or not, are paid a state prize.
At the same time, the state premium in the system of housing construction savings, income in the form of interest received individuals for bank deposits (deposits) in the state HCS system, are exempt from income tax from individuals.
The decision on the economic feasibility of providing the state premium to all participants in the construction savings system was made at a meeting in the government. But for now it remains open question about its size. Earlier, the Ministry of Finance proposed that all interested parties and the Council of Ministers of the Republic of Belarus agreed to establish a state premium in the HCS system in the amount of 20% of the refinancing rate of the National Bank.
Discussions are currently underway on the size of the state's premium. It is proposed that the annual amount should be determined by the Council of Ministers and this amount cannot exceed 10% of the refinancing rate of the National Bank established in reporting period, for which the state premium is charged. In this case, the state premium should be calculated monthly from the amount actually contributed to the HCS system by the participant of the system during the accumulation period, but not more than 5 years.
I would also like to note a few more important points in the system of housing construction savings laid down in the draft decree.
Firstly, it comes about the closed-type housing construction system: only participants invest money and only participants can use it. The funds cannot be spent on any other needs. The bank will not look for money outside the system, which will allow, constantly accumulating money, to use it only for lending to individuals.
Secondly, in this system the circle of participants is not limited. That is, this is an excellent solution to the housing issue, not only for those who are registered as needy, but also for those who, according to the standards, do not need to improve their living conditions, but simply decided to change their "three rubles" for a bigger apartment.
Thirdly, the opportunity to implement the system is provided to all banks - subjects banking system The Republic of Belarus. Citizens will be able to choose which bank is more convenient for them to work with.
Fourth, temporarily free cash accumulated in the HCS system should be placed in the maximum number of accommodation facilities. "
Who needs free money?
Temporarily free funds are the amount of citizens' savings. Why free? Because for three years, as long as the minimum accumulation period lasts, no one can send them anywhere. However, money should work and not lie dead. That is why it is important to determine where the accumulated amount that citizens will contribute, how banks will be able to use depositors' money during this period. It is unambiguous that the options where the risks are foreseen disappear, this is the world experience.
According to the Ministry of Construction and Architecture, in order to maintain a sustainable reliable work savings system, it is advisable to provide an extended list of objects where, in fact, free funds will be placed. It can be state securities Of the Republic of Belarus, and deposits (deposits) of banks and JSC "Development Bank of the Republic of Belarus", and securities of JSC "Development Bank of the Republic of Belarus", since they provide an additional percentage to the amounts of citizens. But this issue has not yet been resolved.
A matter of time
It's hard to say how soon the government will come to a common decision. One thing is clear: it is impossible to delay making decisions. The sooner the system of housing construction savings can start, the sooner the result will be obtained. After all, it will take six to seven years for everything to start working: building according to the system of housing construction savings will begin only after the end of the minimum accumulative period (which is three years).
The proposed draft decree is conceptual in nature and defines the basic principles of implementation in our country. state system ZSS, - explained Vladimir Doropievich, Deputy Head of the Housing Policy Department of the Ministry of Architecture and Construction of the Republic of Belarus. - In order for it to really work, on the basis of the decree, it is necessary to develop the so-called practical regulatory legal framework in the field of banking- both during the accumulation period and during the crediting period, on the calculation and use of the state premium and other issues, many of which will necessarily manifest themselves in practice, since the construction savings mechanism is new for the republic. If the decree on housing construction savings is adopted this year, it will take at least a year to develop an accompanying regulatory framework. And if, at the same time, the current economic situation, favorable for the implementation of the system, remains, then its launch can be expected no earlier than 2020.
Additionally
The system of housing construction savings has been operating in other countries for a long time. The principles and approaches are the same for everyone, they have been tested, so there is no reason to doubt the effectiveness of this mechanism. Moreover, according to experts' forecasts, due to the introduction of the accumulation mechanism, about 60% of Belarusian families will be able to count on improving their living conditions. And this is a rather serious and indicative figure.
True, it would be nice to exclude at the initial stage the disadvantages of the system: at the moment, they note the impossibility of solving the issue with the “burning” housing option, since banks are given a maximum of six months to make a decision on granting a loan. In addition, the mechanism does not apply to the purchase of housing on the secondary market.
Elena KRUTOLEVICH
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The functioning of the building savings system involves the mobilization of free funds from the population in specialized credit institutions, as well as their subsequent placement as targeted loans for the construction or purchase of real estate mortgages.
The building savings system model is closed. Sources of resources mortgage lending are deposits and payments to repay loans, as well as budget funds as subsidies for building savings.
The building savings mechanism includes 3 main stages.
At the stage of saving, the depositor enters into an agreement with the construction savings bank, which stipulates all the terms of financing within the framework of this system.
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According to the agreement, the depositor undertakes to make monthly installments of the set amount of contributions to his account. By savings deposit a fixed interest is paid, usually substantially below market interest. Having saved up for this period 40-50 of the amount stipulated in the agreement, the depositor is included in the number potential borrowers... The use by the bank of resources attracted through savings deposits is allowed only within the framework of this system.
At the stage of distribution of funds, Stroisberkassa calculates a certain indicator, according to which, depending on the degree of participation of each depositor in the total volume of credit resources, the priority is determined in the distribution of construction savings.
At the third stage, in addition to the accumulated amount of the contribution, the participant of the building savings system in the order of priority is provided mortgage... Interest rates for construction berths are also below market rates and are fixed for the entire term of the contract.
Despite certain limitations on the scale of the use of the construction savings system, the size of the attracted resource is determined by the volume of savings of depositors, the prospects for using this form of organizing mortgage lending in Russia now seem quite real, in particular, on the basis of the branch network of Sberbank of the Russian Federation.
The effective functioning of the building savings system is possible even in the absence of massive effective demand for mortgage loans. When improving economic situation the scale of operations under this system will grow.
All over the territory Russian Federation, as well as in the CIS countries affordable housing program "Stroykassa"... The conditions compare favorably with those that are planned to be offered in construction savings banks and relate to the second and third stages (the first are the same - the accumulation of funds in monthly small payments).
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The second stage - the program participant signs a lease agreement, according to which the company buys an apartment for him.
Thus, the difference is also in the absence of interest on the loan. According to the Stroykassa program, a single mark-up of 20% to original cost apartments.
The third stage is payments under the lease agreement and the transfer of the apartment to the ownership of the program participant after the last payment is made.
Valentina Zakharovna, July 1 marks three years since the construction savings system was introduced in Belarusbank. Its purpose is clear - to help people accumulate funds for the construction or purchase of housing. What is its essence?
- The construction savings system offered by the bank is completely new for Belarus financial instrument... And it was our bank that developed and implemented it for the citizens of the republic. The system helps to accumulate the required amount of funds (at least 25% of total amount planned investments for the construction or purchase of housing). After that, the bank provides a loan in the amount of up to 75% of the planned investment on more favorable terms compared to the current lending terms. That is, this system consists of two stages - accumulation and lending.
The bank offers three options: 3 years, 5 and 7 years of savings. The bank's specialists give recommendations on how to build an accumulation schedule, which accumulation option to choose, and the date of the onset of the right to receive a loan is preliminarily determined.
In case of accumulation of savings in equal installments, the right to receive a loan comes after the expiration of the entire period of the selected savings option. If the entire amount of funds is deposited on the day of the conclusion of the agreement, the right to receive a loan comes after 19 months.
Thus, the earlier the money is deposited into the system, the earlier is the date of obtaining the right to a loan. And this rule works strictly.
After the accumulation of funds, the lending stage begins. The loan is issued for a period of up to 20 years at the refinancing rate of the National Bank of the Republic of Belarus plus one percentage point. The loan amount is up to 75% of the amount of construction or purchase of housing, depending on the accumulated amount of savings.
I will dwell separately on the economic aspects of the attractiveness of the construction savings system.
First, at the accumulative stage, the bank pays (accrues) income in the amount of the refinancing rate of the National Bank of the Republic of Belarus. Secondly, a long term loan - up to 20 years. Third, the rate of payment for a loan is 2-5 percentage points lower than for other loans for the construction or purchase of housing. Fourth, repayment of the principal and interest on the loan is made in equal installments. In addition, all participants in the system, regardless of the need to improve their living conditions, are in equal conditions in terms of the terms of the loan and the amount of payment for using the loan.
These conditions are very attractive and significantly increase the creditworthiness of participants in the construction savings system.
- How many people used this bank system to solve housing problem?
- The work of the building savings system for three years has shown that this product is in demand. About 5 thousand people took part in the building savings system of Belarusbank, who placed more than 60 billion rubles on the Housing Savings Deposit. Taking into account the completion of the savings stage and the receipt of loans, as of June 1, 2009, there are 3.1 thousand accounts for the “Housing Savings Deposit” with the balance of 45.3 billion rubles.
- Does the place of residence of a participant in the system affect his ability to purchase or build housing in another region?
- One of the attractive factors is that a system participant can build or purchase housing in any region of the country.
The system participant has the opportunity to transfer his “Housing savings deposit”To any institution of“ Belarusbank ”with preservation of the accumulation history, and at the same time it is not necessary to start all over again. Any person, for example, a grandmother, parents, can become a participant in the system in order to accumulate funds for grandchildren and children and help them solve the problem of housing in the future. These persons have the opportunity to assign the right of claim under a housing savings agreement to their grandchildren or children, who in the future themselves will receive a loan, build or buy a house and themselves will pay the bank for the used loan.
- In February last year, the bank started to implement the second stage - issuing loans through the construction savings system. What is the percentage of participants in the system who have used the bank's loans over these one and a half years? And what is more - are they building or buying housing?
- During this time, loans were issued in the amount of almost 50 billion rubles to about 800 participants of the system. At the same time, about 20% was allocated for housing construction, and more than 80% for its purchase. As the figures show, most of the participants in the system buy housing.
- As with any loan, in order to receive a loan under the building savings system, you need to submit a certain package of documents ...
- It all depends on whether you plan to buy an apartment or build it. When buying a home for a loan, you must submit a purchase and sale agreement living quarters and a certificate about market value housing, in the case of the construction of an apartment - a contract for its construction. Also, to calculate the solvency, you must provide information about your income and the income of the guarantors for the last three months.
- If a person has moved to another city, is it possible to transfer there the accumulative contribution according to the building savings system, or do we have to start all over again?
- A contribution within the framework of the building savings system can be transferred to any region of Belarus, but only to the institution of Belarusbank.
- Is it possible to change the amount of the contract? For example, it was supposed to build a 2-room apartment, but the situation has changed and it is necessary to build a 3-room apartment.
- Yes it is possible. You just need to make a decision to increase the amount of contributions, and the more you save, the more the loan amount will be. You can come to the bank and, with the help of our specialists, adjust the accumulation mode.
The accumulation of funds is not regulated, the system participant himself determines the mode and terms of depositing funds for himself. This means that if at the initial stage it was planned to build a 2-room apartment, and then the situation changed, then the participant himself makes a decision and makes an accumulation in a larger amount.
I invite you, dear readers, to become participants in the building savings system offered by Belarusbank, to build or purchase an apartment or an individual house.
Housing savings deposit of Belarusbank implies opening a deposit account in order to accumulate funds for the purchase of housing, as well as obtaining credit funds in case of lack of own funds to complete the purchase procedure.
What savings plans exist, what are the advantages of a deposit account, what conditions a housing savings deposit in Belarusbank has - in more detail later in the article.
Savings and Payments Terms
From 01.07.06 branches of Belarusbank started accepting funds in deposits based on the Construction Savings System.
The construction savings system implies the opening of a deposit account with a bank by a person who wants to build a house.
The savings stage is the period for placing funds, the accrual of interest and other nuances associated with the deposit. At the end of the term savings, the client can pay for the purchase of housing for the accumulated funds - this process is called payment stage. Further, when the client's funds run out, he can use a bank loan for further housing construction.
Schematic representation of the Belarusbank building savings system
Conditions for participants of the Belarusbank building savings system the following:
- Citizen of Belarus / foreigner / stateless person.
- Registration on the territory of Belarus.
- You must have a contractual agreement regarding housing savings.
Deposit account on terms of urgent revocable bank deposit"Housing accumulative" opens on the basis of a housing savings agreement.
The participant independently:
- Selects savings plan.
- Determined with the amount which will accumulate until the end of the recharge period.
- Determined with a period period saving.
Based on the amount of the amount, an accumulation schedule is prepared based on the period of savings in equal payments on a monthly basis, which begins from the date of deposit down payment on deposit.
Important! It is not necessary to execute the prepared schedule, it is recommended for the purpose of optimal accumulation of the indicated amount.
Pay attention to what may affect elimination from the program
If the participant wishes reduce the amount, which he stated, it is necessary to write a statement, which will then be considered by the head of the branch (OPERU Head Office, Center banking services Belarusbank). Further is add. agreement to a treaty housing savings and are established new period dates saving.
In the same way, you can change the savings plan.... Only transition can be done under the condition- the storage period of the deposit "Housing accumulative" has expired and not more the base period of savings of the desired savings plan.
More details about the Bank's Building Savings System can be found here.
Savings plans for housing savings in 2019
Accumulation plans for the deposit "Housing accumulative" of Belarusbank are as follows:
Plan number | First | Second | Third |
---|---|---|---|
Replenishment period (based on agreement) | Not less than 19 months - no more than 36 months. | Not less than 31 months - no more than 60 months. | At least 43 months - no more than 84 months |
Savings period (basic), years | Three | Five | Seven |
Replenishment period taking into account the agreement, months | |||
Minimum possible | 19 | 31 | 43 |
Maximum possible | 55 | 91 | 127 |
* Dates are taken into account from the day when the contractual agreement of housing savings was concluded | |||
The indicator of the average shelf life, months. | 18 and a half | 30 and a half | 42 and a half |
Useful video:
Conditions of the housing savings deposit of Belarusbank in 2019
Housing savings deposit implies the following conditions:
- Deposit opening takes place in nat. currency(v Belarusian rubles).
- An initial fee can be made both in cash and in a non-cash way.
- Forbidden opening on the data of another person.
- Deposit account replenishment is acceptable until the end of the period specified in the contractual agreement.
- Interest payment on the housing savings deposit are carried out from the day when the contract was concluded until the day of its termination.
- % rate of housing savings equal to the size of the refinancing rate NB RB (from 14.02.2018 - 10.5%).
- The product of capitalization is carried out:
- When closing the deposit.
- During the first expense on the deposit account.
- At the end of the calendar year.
- In the period 139 months.(the day of the end of the monthly storage of funds until the day when the expense on the deposit will be made).
- At the end of 139 months(date of the end of the calendar year).
- Expiration date is the date that coincides with the date and month of the contractual agreement on housing savings.
You can familiarize yourself with the terms of other deposits in Belarusian rubles.
Deposit calculator Belarusbank
Deposit amount
Interest rate (%)
Cash register banking organization and etc.)
Learn more about capitalization
Conclusion
mutually beneficial for the borrower and the banking organization... The latter, before the start of construction, has the opportunity to benefit from the deposited funds of the client, who gets confidence in obtaining a future loan and its favorable conditions, when placing funds in the form of a deposit in a bank.Housing savings deposit of Belarusbank is an excellent opportunity to save money in order to purchase real estate.
The terms of the deposit allow any citizen of Belarus or a stateless person to conclude an agreement, but only on condition of registration in the territory of the republic.
Oh, and a long review! I hope it will be useful. Sit back, because I can't be stopped)
Getting a home is the dream of 70% of the population, especially when you rush around rented apartments (and more than one). For the first time I heard about the Building Savings System (SSS) about three years ago, when a Belarusbank consultant (and for me she was a familiar aunt Katya, worked nearby) shared with me how she had built an apartment for her daughter. I read on the website, talked to her again and refused this option, because renting an apartment and saving money at the same time seemed like a crazy idea.
The building savings system is a solution to your housing problem, provided that you accumulate part of your own savings and receive a loan for housing construction on favorable terms.
And then ... My friend and her husband bought the apartment, and two years ago my grandmother gave the apartment to another friend of mine (the main amount was from her, her friend also contributed her investments) and my mother took care of providing me with an apartment: "All girls have apartments , but my daughter does not! ". Honestly, it was her “fire” that ignited my interest and activity. It was December 2016. I was actively studying loans in all banks, sadly assessing my chances, studying again and again getting upset. And at the same time I studied the prices. And suddenly ... my mother talked to my brother and asked him to help - to give money on the condition that I would not apply for the parental apartment. The amount of cash was $ 4000, they began to think what to do. And then I again saw information about the CCC, I was the first to read negative reviews on the airek, and then I came across a big discussion on one of the sites where users shared knowledge and chewed on each other the features of this contribution (and initially it was necessary to make a contribution). There were many pages, I read at night after work. And she dreamed. At the same time, I went to the bank and consulted, asked questions and clarified points I did not understand. I went to the bank 2 times before the stage of concluding a deposit agreement, branches and branches were different, as were the consultants). Of course, it was easier for me, because I had the amount for a 25% deposit and the opportunity to be credited in 19 months.
The building savings system consists of two stages:
- accumulation of their own savings by opening a "Housing savings" deposit;
- crediting period.
Those. you can conclude an agreement for a period of 36 months, pay in the first month the amount - 25% of the cost of the proposed housing, and after 19 months already apply for loans. And you can replenish your contribution in parts all 36 months and, as a result, accumulate the same 25%. By the way, there are three accumulative periods to choose from: 3 years, 5 or 7 years. You can get a loan within one year from the date of expiration of the contractual term of the savings stage.
I soberly assessed the risks, understood how fragile the exchange rate in our country was and how we could lose money due to inflation. But I said that my mother and I were on fire together? What little odnushechki we looked at, in what areas they were! A thought warmed: tiddly, far away, but its own! Moreover, I rented an apartment from the devil in the middle of nowhere. Inexpensive odnushki at the beginning of 2017 cost about $ 16-17 thousand, they decided to borrow $ 1000 more and make a contribution. In the end, who does not risk ... The first stage was the exchange of currency for native squirrels, I changed money with my parents in the city (it was not so scary with my brother), thanks to the reviews, I already understood that the "bags of money" from a negative review - this is not an exaggeration. The rate of $ was at that time about 1.93 rubles upon delivery. The whole amount was exchanged for me in bills of 5 rubles. - 2,000 bills !!! They rounded up to 10,000 Belarusian rubles. I can say responsibly: this is a big backpack of money. I had already thought in advance how to deal with this amount, because I had to open a deposit in Gomel, and it was scary and difficult to travel with this backpack: I opened an account and deposited money there. I transferred the amount to the deposit account without any problems on 02/08/2017 and away we go ...
Joined a group on housing issues, where they discussed new buildings, housing prices and methods of purchase. And I tirelessly looked at the apartments in advertisements ... and came to the conclusion that you can swing at a kopeck piece, albeit an inferior, small one ... I fell in love with apartments and "parted" with them, crying from powerlessness and fear for tomorrow. And I followed the changes in legislation, in the CCC, studied legal acts in detail. Needless to say, the discussion of home buying has become a favorite topic? Saved the forum where you could complain and feel support, as well as my mother. 19 months have not passed - have flown by. I was ready for this event, because I periodically came and took statements about changes in the amount of the deposit, and also clarified the questions that arose along the way. Unfortunately, I can tell a couple of stories about the incompetence of employees, but I was lucky enough to receive professional advice both during the accumulation phase and during the credit phase. The term for a possible loan was 09/08/2018, but we started looking at apartments in August. And galloped the course. It would seem that from 2 rubles it grew to 2.05, then 2.20, but by large amounts it was a disaster ... I didn’t like the apartments: either the price was not the same, then the size was the same as that of a dollhouse, or there was a real gadyushnik. Nevertheless, I went to the mortgage department for a consultation. The first time I was deployed with the wording "the contribution will end, you will come", so I was wary. And I was lucky: Irina Alekseevna Baidun became my consultant and escort. She told everything in detail, explained. And I found out that the queue for applying for a loan is already 2 weeks (!) And signed up “just in case”. And she continued to search. It could be a separate big review for a loved one and several months of a nervous tic.
Important! All 19 (and I ended up with 20 months) my money on the deposit worked: they accrued% in the amount of the refinancing rate. In total, at the time of the money transfer, my 10,000 turned into 12,179 or from $ 5,181 to $ 5,612 (at the time of the transaction the rate "jumped" to 2.17 rubles). As a result, I even turned out to be a good plus.
Refinancing rate - the rate of the National Bank of the Republic of Belarus, which is the basic instrument for regulating the level of interest rates on money market and serving as the basis for setting interest rates on operations to provide liquidity to banks.
I made out the purchase of an apartment with the help of an agency, I will leave the stages with the preparation of documents out of the review (and I mostly came to sign and pick up the documents). In the department where I made a deposit, I took an extract, where the amount of savings was indicated and possible loan, and also learned the CMP coefficient. By the way, it can work both in + and in - credit. That is why the borrower may or may not use it. My CMP was 1.21, which gave me about RUB 5,000 + to the loan!
The system of indices (coefficients) for recalculating (changing) the estimated cost of construction is the most important tool for pricing in construction in modern conditions... Indices are used to determine the cost of construction in current (or forecast) prices and for settlements for completed construction and installation work between customers and contractors.
The main purpose of the indices (coefficients) is to take into account the factor of the rise in the cost of construction in relation to the base level.
I ordered a certificate of income in advance, because passed it to me from another city. The bank advised me 3 guarantors, and there were only 2. And again I was lucky: the wife of one of the guarantors agreed. The certificates were also ordered by my guarantors, in the course of receiving the certificates I went to the bank to check them. I was very afraid before the day of submission of documents (preliminary agreement, certificates of salary, copies of passports) of some obstacles, but everything went well, she declared 2 guarantors (it was difficult to come to one of them later), left the 3rd “in reserve”. The documents were submitted on Friday, and on Tuesday evening I heard “yes”. I entered into an agreement with a notary, registered it with the BTI, and took it to the bank for verification. And again my Irina Alekseevna helped: I brought the documents at 16-17, and in the morning I had already arrived with the guarantors to sign the contract. She transferred her part of the money from the deposit to the seller's account, took the payment order to the mortgage department, managed to transfer part of the bank's money to the seller on the same day. I ordered the currency in my bank branch, fortunately, Elena Vladimirovna Voitekhovich ( branch manager bank, she also advised me on the deposit for the entire period) coordinated the work of the employee on transferring money from the deposit and ordered the currency without any problems outside of hours (applications were left until 10.30, and I was at 12).
The total loan amount was 39,427 rubles. Due to the jump in the course, I had to contribute own funds, not provided for by the contribution, because the bank could not issue a loan for more than 75% of the cost of the apartment. Preliminary agreement was concluded at a rate of 2.10 rubles, and the transaction itself was 2.17 rubles. Yes, the contract stipulates the cost in Belarusian rubles, but there is a line "which is equivalent to ... thousands of dollars at the exchange rate." The seller does not care about the course and everything else, he wants to get his amount in hard currency.
For 1.5 months I have been living in my large apartment, repairs ahead and 20 years of loan payments. By the way, for the first 18 months I pay only% - 195.07 rubles, starting from May 2020 the principal debt of 178.40 will be added.
A few words about%: when concluding a loan agreement, you can choose 2 options interest rate- СР +1% or the weighted average rate (I still did not understand what it is) for the term of the deposit. You can only go from the first option to the second for all 20 years. Because at the moment СМР 10, then I chose СМР + 1, tk. my weighted average is 13.