Cumulative contribution of Belarusbank to the construction. Save up for the construction of an apartment in three years: how the system of building savings will work
With the help of construction savings, it will be possible to solve the housing problem in Belarus. It is this practice practiced in many countries - the option of building an apartment or house is today considered by the government as the most optimal. We have been working at the Ministry of Architecture and Construction for more than a year now on how to apply this method in our republic so that it is beneficial to both citizens and the state.
What is a housing construction savings system and how soon will it start to work?
The system in theory ...
In fact, the housing construction savings system is the accumulation of citizens' own savings (a certain agreed amount) plus a loan for the construction of housing for the remaining amount on favorable terms. At the same time, you need to save money not at home, but in the bank. It turns out a kind of “housing piggy bank”, where the participants of the system put money and from where only they can then take the necessary amounts.
This option is actively used to finance the construction of housing in many places in the world. Everything is pretty transparent and clear.
... and in practice
I must say that a similar mechanism is already working in the country: from July 1, 2006, branches of JSC "Belarusbank JSB" throughout the republic began to accept funds in deposits under the Building Savings System. However, as practice has shown, the proposed option has many flaws, and therefore is not popular among the population. There are few contracts so far.
That is why today the updated draft decree developed by the Ministry of Architecture and Construction is of interest. The document proposed slightly different from the original approaches to the implementation of the entire process in the construction of housing on a funded system. One of the main points is increasing the responsibility of citizens who are oriented towards the need to participate in financing housing construction. Yes, there is no direct state support here, however, fairly acceptable conditions and the possibility of improving housing conditions are offered, including for citizens who are not registered with the needy.
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 of housing savings provides for a certain period during which citizens who want to improve their housing conditions must accumulate at least 30% of the cost of future housing. It will be necessary to put aside “for an apartment” from 3 to 7 years (it is stipulated that families with higher incomes will be able to accumulate funds for improving housing conditions in a shorter period).
The remaining 70% of the amount required for the construction of housing will be credited. Moreover, the loan is offered on fairly favorable terms: for 15–20 years at a rate of 1-2 percentage points lower than the market. Today, the most attractive loans for real estate (on a common basis), the rate is 13.5%.
In addition to a loan at a rate below the market, the housing construction savings system has other advantages: for example, in the option with a deposit, it will take much longer to save on housing. Well, also a bonus in the form of a bonus 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 the participation of all citizens in the system, regardless of whether they are registered with the needy or not, a state premium is paid.
At the same time, the state premium in the system of housing construction savings, income in the form of interest received by individuals on bank deposits (deposits) in the state system of liquid housing, are exempt from income tax from individuals.
The decision on the economic feasibility of providing a state prize to all participants in the building savings system was made at a meeting in the government. But for now, the question of its size remains open. Earlier, the Ministry of Finance suggested that all interested and the Council of Ministers of the Republic of Belarus agreed to establish a state premium in the ZhSS system in the amount of 20% of the refinancing rate of the National Bank.
Currently, discussions are underway on the size of the state 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 the reporting period, for which the state premium is charged. At the same time, the state premium should be accrued monthly from the amount actually contributed to the system by the participant in the system during the accumulation period, but not more than 5 years.
I would also like to note a few more important points of the system of housing construction savings included in the draft decree.
Firstly, we are talking about a closed-type WSS system: only participants invest money and only participants can use it. Funds cannot be used for 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 problem, not only for those who are registered with the needy, but also for those who, by the standards, do not need to improve their living conditions, but simply decided to change their "treshka" to a bigger apartment.
Thirdly, the opportunity to introduce the system is provided to all banks - subjects of the banking system of the Republic of Belarus. Citizens will be able to choose which bank is more convenient for them to work with.
Fourthly, temporarily free cash accumulated in the system of the VSS should be placed in the maximum number of accommodation facilities. ”
Who needs free money?
Temporarily free cash is the sum of savings of citizens. Why free? Because for three years, while the minimum period of accumulation lasts, nobody can send them anywhere. However, money should work, not lie dead weight. That is why it is important to determine where the accumulated amount that citizens will deposit will be stored, how banks will be able to use the money of depositors during this period. It is clear that the options where risks are foreseen disappear, this is world experience.
It seems that the Ministry of Architecture, in order to maintain stable reliable operation of the savings system, it is advisable to provide an expanded list of objects, where, in fact, free cash will be allocated. This can be government 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 amount of citizens. But so far this issue has not yet been resolved.
A matter of time
It is hard to say how soon the government will come to a single decision. One thing is clear: it is impossible to delay decision-making. The sooner the housing construction savings system can start, the earlier the result will be obtained. After all, in order for everything to go round, it is necessary six or seven years: they will start building according to the system of housing construction savings only after the completion of the minimum funded period (and this is three years).
The proposed draft decree is conceptual in nature and defines the basic principles for introducing the state-owned housing system in our country, ”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 base in the field of banking activity, both during the accumulation period and during the lending period, on the issues of calculating and using the state premium and other issues, many of which will necessarily appear in practice, since the mechanism of building savings is new for the republic. If the decree on housing construction savings is adopted this year, then at least a year will be spent on the development of an accompanying regulatory framework. And if at the same time the current economic situation is favorable for the implementation of the system, then its launch can be expected no earlier than 2020.
Additionally
The system of housing construction savings has long been operating in other countries. 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, thanks 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 significant figure.
True, it would be nice to exclude the disadvantages of the system at the initial stage: at the moment they note the impossibility to solve the problem with the “burning” housing option, since the banks are given a maximum of six months to decide on a loan. In addition, the mechanism does not apply to the purchase of housing in the secondary market.
Elena Krutolevich
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The functioning of the system of building savings involves the mobilization of free cash of the population in specialized credit institutions, as well as their subsequent placement as targeted loans for the construction or purchase of real estate housing mortgage.
The model of the system of building savings is closed. Sources of mortgage lending resources are deposits and payments in repayment of loans and budget funds as subsidies for construction savings.
The mechanism of building savings includes 3 main stages.
At the stage of saving, the investor concludes an agreement with the construction bank, which stipulates all financing conditions within the framework of this system.
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Under the agreement, the depositor undertakes to make a monthly set contribution amount to his account. By cumulative contribution a fixed percentage is usually paid substantially below market. Having accumulated over the period 40-50 of the amount agreed in the contract, the investor is among the potential borrowers. The use by the bank of the resources raised through savings deposits is allowed only within the framework of this system.
At the stage of distribution of funds, the Stroysberkassa calculates a certain indicator, according to which, depending on the degree of participation of each investor in the total amount of credit resources, the sequence in the distribution of stroysberds is determined.
At the third stage, in addition to the accumulated amount of the contribution, a mortgage loan is provided to the participant in the construction savings system in order of priority. Interest rates on construction loans are also lower than market ones and are fixed for the entire term of the contract.
Despite certain restrictions on the scale of use of the system of building savings, the size of the attracted resource is determined by the volume of savings of investors, the prospects for using this form of organizing mortgage lending in Russia currently seem quite realistic, in particular, on the basis of the branch network of Sberbank of the Russian Federation.
Effective functioning of the system of building savings is possible even in the absence of massive solvent demand for mortgage loans. With the improvement of the economic situation, the scale of operations within this system will grow.
On the whole territory of the Russian Federation, as well as in the CIS countries Affordable Housing Stroykassa. The conditions compare favorably with those that are planned to be offered at construction sites and relate to the second and third stages (the same at the first - accumulation of funds in small monthly payments).
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The second stage - a program participant signs a leasing agreement, according to which an apartment is bought by him.
Thus, the difference also lies in the absence of interest on the loan. Under the Strokassa program, a single extra charge of 20% of the initial cost of the apartment is made.
The third stage - payments under a lease agreement and the transfer of the apartment to the ownership of the program participant after making the last payment.
Valentina Zakharovna, July 1 marks three years since the system of building savings was introduced in Belarusbank. Its purpose is understandable - to help people accumulate funds for the construction or purchase of housing. And what is its essence?
- The system of construction savings proposed by the bank is a completely new financial instrument for Belarus. And it was our bank that developed and implemented it for the citizens of the republic. The system helps to accumulate the necessary amount of money (at least 25% of the total amount of planned investments for the construction or purchase of housing). After that, the bank provides a loan of up to 75% of the amount of planned investments on more favorable terms in comparison with the existing loan conditions. That is, this system consists of two stages - accumulation and lending.
The bank offers three options: 3 years, 5 and 7 years of accumulation. Bank experts give recommendations on how to build an accumulation schedule, which option to choose for accumulation, and the date on which the right to receive a loan is determined is preliminarily determined.
In the case of accumulation of savings in equal installments, the right to receive a loan occurs after the expiration of the entire period of the chosen option of accumulation. When the full amount of money is paid on the day the contract is concluded, the right to receive a loan comes after 19 months.
Thus, the earlier the money is deposited in the system, the earlier the date of obtaining the right to a loan comes. And this rule works scrupulously.
After the accumulation of funds, the credit 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 building savings system.
First, at the funded 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 loan term - up to 20 years. Thirdly, the loan payment rate is 2-5 percentage points lower than other loans for the construction or purchase of housing. Fourthly, repayment of the main debt and interest on the loan is made in equal parts. In addition, all participants in the system, regardless of the need for improvement of housing conditions, are on an equal footing with respect to the terms of the loan and the size of the fee 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 system of the bank to solve the housing problem?
- The work of the system of building savings over three years has shown that this product is in demand. About 5 thousand people took part in the system of construction savings of Belarusbank, placing over 60 billion rubles on the Housing and Savings Deposit. Given the completion of the savings phase and obtaining loans as of June 1, 2009, 3.1 thousand accounts are in force under the “Housing and Savings Deposit” with a balance of 45.3 billion rubles.
- Does the place of residence of the participant in the system affect his ability to purchase or build housing in another region?
- One of the attractive factors is that a participant in the system can build or acquire housing in any region of the country.
A participant in the system has the opportunity to transfer his “Housing and Savings Deposit” free of charge to any institution of “Belarusbank” while preserving the history of accumulation, without having to start all over again. Any person, such as grandmother, parents, can become a participant in the system in order to accumulate funds for grandchildren and children and help them solve the housing problem in the future. These persons have the opportunity to transfer the right of claim under the housing savings agreement to their grandchildren or children, who in the future will receive a loan themselves, build or buy housing, and will themselves pay the bank for the used loan.
- In February last year, the bank began implementing the second stage - issuing loans under the system of construction savings. What is the percentage of participants in the system who have used bank loans over the past year and a half? And what more - build or buy housing?
- During this time, loans were issued in the amount of almost 50 billion rubles to about 800 participants in the system. At the same time, about 20% was directed to housing construction, and more than 80% to its purchase. As the figures show, most participants in the system buy housing.
- As with any loan, you need to submit a certain set of documents to get a loan through the building savings system ...
- It all depends on whether you plan to buy an apartment or build. When buying a home to get a loan, you must submit a contract of sale of premises and a certificate of the market value of housing, in the case of construction of an apartment - an agreement on its construction. Also, to calculate solvency, you must provide information about your income and the income of the guarantors for the last three months.
- If a person moved to another city, is it possible to transfer the accumulative contribution to the system of building savings there, or should everything be started all over again?
- The contribution within the framework of the system of building savings can be transferred to any region of Belarus, but only to the establishment of “Belarusbank”.
- Is it possible to change the amount of the contract? For example, they planned 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 accumulate, the greater the amount of the loan. 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 participant in the system determines for himself the mode and timing of depositing funds. 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 accumulation in a larger amount.
I invite you, dear readers, to become participants in the system of building savings offered by Belarusbank, to build or acquire an apartment or an individual residential building.
Belarusbank housing and savings contribution involves opening a deposit account in order to accumulate funds for the purchase of housing, as well as obtaining credit funds in case of a lack of own funds to complete the purchase procedure.
What are the accumulation plans, what are the advantages of a deposit account, what are the conditions for a housing and savings contribution in Belarusbank - in more detail later in the article.
Savings Period Terms
From 01.07.06 Belarusbank branches started to accept cash in contributions based on the Building Savings System.
The system of building savings involves opening a deposit account with a bank by a person who wants to build a house.
The savings phase is the period of the placement of funds, interest accrual and other nuances associated with the deposit. Upon expiration the client can pay for the purchase of housing for the accumulated funds - this process is called payment stage. Further, when the customer’s funds run out, he can take advantage Bank loan for further housing construction.
Schematic illustration of Belarusbank Building Savings System
Conditions for participants of the Belarusbank construction savings system the following:
- A citizen of Belarus / foreigner / stateless person.
- Registration in Belarus.
- It is necessary to conclude a contractual agreement regarding housing savings.
A deposit account on the terms of an urgent revocable bank deposit “Housing and savings” is opened based on a housing savings agreement.
Member independently:
- Selects accumulation plan.
- Determined by with the amount, which will accumulate until the end of the replenishment period.
- Determined by with period saving.
Based on the size of the amount, an accumulation schedule is prepared on the basis of the savings period in equal payments on a monthly basis, which starts from the date of the initial deposit payment.
Important! It is not necessary to execute the prepared schedule; it is recommended in order to optimally accumulate the indicated amount.
Pay attention to what may affect dropping out of 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, Banking Center of Belarusbank). Next is add. agreement to contract housing savings and are set new period dates saving.
In the same way, you can change the accumulation plan. Only transition can be implemented provided - the storage period for the Housing and Savings deposit has expired and not more the base savings term of the desired savings plan.
More information about the Bank's Building Savings System can be found here.
Savings Plans for Housing Savings in 2019
Accumulation plans for the Housing and Savings deposit of Belarusbank are as follows:
Plan number | The first | Second | Third |
---|---|---|---|
Replenishment period (based on the contract) | Not less than 19 months. - no more than 36 months. | Not less than 31 months. - no more than 60 months. | Not less than 43 months. - no more than 84 months. |
Savings period (basic), years | Three | Five | Seven |
Replenishment period subject to the contract, months | |||
The smallest possible | 19 | 31 | 43 |
The highest possible | 55 | 91 | 127 |
* Dates are taken into account from the day the contract of housing savings was concluded | |||
The norm of the average shelf life, months. | 18 and a half | 30 and a half | 42 and a half |
Useful video:
Terms and conditions of the housing savings deposit of Belarusbank in 2019
Housing and savings contribution implies the following conditions:
- Deposit opening occurs in nat. currency (in Belarusian rubles).
- An initial fee can be made both in cash and non-cash way.
- Prohibited discovery on another person’s data.
- Deposit accounts acceptable until the end of the periodspecified in the contract agreement.
- Interest payment on the housing-savings deposit are carried out from the day when the contract was concluded until the day of its end.
- % rate of housing contribution equal to the size of the refinancing rate National Bank of the Republic of Belarus (from 14.02.2018 - 10.5%).
- The product of capitalization is carried out:
- When closing the deposit.
- During the first expense of the deposit account.
- At the end of the calendar year.
- In the period of 139 months. (the day of the end of the monthly storage of funds until the day when the expense on the deposit is made).
- At the end of 139 months. (end date of the calendar year).
- Expiration date is a date that coincides with the date and month of conclusion of the housing savings contract.
You can familiarize yourself with the terms of other deposits in Belarusian rubles.
Deposit calculator of Belarusbank
Deposit Amount
Interest rate (%)
Cash desk of a banking organization, etc.)
More on 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 placed funds of the client, who receives confidence in obtaining a future loan and its favorable conditions when placing money in the form of a deposit in a bank.Belarusbank housing and savings contribution is an excellent opportunity to accumulate funds for the purpose of acquiring real estate.
The terms of the deposit allow you to conclude an agreement with any citizen of Belarus as well as with a stateless person, but only if you register on the territory of the republic.
Oh and a long review to come! I hope it will be useful. Sit back, because I can not stop)
To get your own housing is a dream of 70% of the population, especially when you wander around rented apartments (and even not one). For the first time I heard about the “Building Savings System” (CCC) about three years ago, when the consultant of Belarusbank (and for me she was a friend of Aunt Katya, worked nearby) shared with me how she built her daughter’s apartment. I read on the site, talked again with her and refused this option, because renting an apartment and saving up at the same time seemed like a crazy idea.
The system of building savings 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 my friend (the principal was from her, the girlfriend also made her investments) and my mother took care to provide me with an apartment: "All the girls have apartments but my daughter doesn’t! " Honestly, it was her “fire” that set fire to my interest and activity. It was December 2016. I actively studied loans at all banks, sadly assessed my chances, studied again and was upset again. And at the same time I studied prices. And suddenly ... my mother talked with her brother and asked him to help - give money on the condition that I would not apply for a parental apartment. The amount of cash was $ 4000, they began to think what to do. And then I again saw information about CCC, I first read the negative reviews on the ayrek, 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 is necessary to make a contribution). There were many pages, I read at nights after work. And dreamed. At the same time I went to the bank and consulted, asked questions and clarified incomprehensible moments to me. I went to the bank 2 times before the stage of concluding a deposit agreement, the branches and branches were different, as were the consultants). Of course, it was easier for me, because I had an amount for a contribution of 25% and the possibility of lending after 19 months.
The system of building savings consists of two stages:
- accumulation of own savings by opening a “Housing and Savings” contribution;
- 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 a loan. And all 36 months you can replenish your contribution in parts and eventually accumulate the very 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 expiration of the contract period of the savings phase.
I soberly assessed the risks, I realized how fragile the course is in our country and that we can lose money due to inflation. But I said that my mother and I burned with an apartment? What little-one little girls we considered, in what areas they were! The thought warmed: tiny, far away, but his own! Especially since I rented an apartment near the devil on pies. Inexpensive odnushki at the beginning of 2017 cost about 16-17 thousand $, they decided to borrow another $ 1000 and make a contribution. In the end, who does not take risks ... The first step was to exchange currency for my squirrels, I changed money with my parents in the city (it wasn’t so scary with my brother), thanks to reviews, I already understood that “bags of money” from a negative review - this is not an exaggeration. The $ rate was at that time about 1.93 rubles at the time of delivery. I exchanged the entire amount in bills of 5 p. - 2,000 notes !!! Rounded up to 10 000 bel rub. I can responsibly declare: this is a big backpack of money. I had already decided in advance what to do with this amount, because I had to open a deposit in Gomel, and it was scary and difficult to go with this backpack: I opened an account and deposited money there. No problem transferred the amount to the deposit account 02/08/2017 and away we go ...
She joined the housing group, where they discussed new buildings, housing prices and purchase methods. And tirelessly I looked at the apartments in the advertisements ... and came to the conclusion that you can sway at the kopeck piece, albeit inferior, small ... I fell in love with the apartments and “parted” with them, cried from tomorrow's weakness and fear. And she followed the changes in the legislation, in the CCC, studied the legal acts in detail. Needless to say, the discussion of home purchase has become a favorite topic? Saved a forum where you could complain and feel support, as well as mom. 19 months have not passed - flew by. I was ready for this event, as I periodically came and took extracts about changes in the deposit amount, and also clarified issues along the way. Unfortunately, I can tell you a couple of stories about the incompetence of employees, but I was lucky to still get professional advice both during the funded phase and on the credit one. The term for a possible loan was 08.09.2018, but we began to look at apartments from August. And jumped the course. It would seem that from 2 rubles it rose to 2.05, then 2.20, but for large sums it was a disaster ... I did not like the apartments: either the price is not the same, then the size is like a doll's house, then the viper is real. Nevertheless, I visited the mortgage department for a consultation. The first time I was deployed with the wording “the contribution will end, 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 line 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 your favorite and several months of nervous tick.
Important! All 19 (and I ended up with 20 months) my money worked on the deposit: they accrued% on the amount of the refinancing rate. In total, at the time of the transfer of money, 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 was not bad in the black even.
Refinancing rate - the rate of the National Bank of the Republic of Belarus, which is the basic tool for regulating the level of interest rates in the money market and serving as the basis for setting interest rates on liquidity provision operations for 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 review (and I basically came to sign-pick up the documents). In the department where I made a contribution, I took an extract, where the sum of the savings and a possible loan was indicated, and also found out the СМР coefficient. Incidentally, it can work both in + and in - credit. That is why the borrower can both use it and not. My SMR was 1.21, which gave me about 5,000 bel rub + to the loan!
The system of indices (coefficients) of conversion (change) of the estimated cost of construction is the most important tool for pricing in construction in modern conditions. Indexes are used to determine the cost of construction at current (or forecast) prices and for settlements for completed construction and installation works 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 an income statement in advance, because they passed it to me from another city. At the bank I was advised by 3 guarantors, but 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 filing the documents (preliminary contract, certificates of salary, copies of passports) of some obstacles, but everything went well, she announced 2 guarantors (it was difficult to come to one of them later), left the 3rd “in reserve”. I filed the documents on Fri, and on Tuesday evening I heard “yes”. I concluded a contract with a notary, registered it with BTI, and took it to the bank for verification. And again my Irina Alekseyevna helped: I brought the documents at 16-17, and in the morning I arrived with the guarantors to sign the contract. I transferred my part of the money from the deposit to the seller’s account — I took the payment to the mortgage department — we managed to transfer part of the bank’s money on the same day to the seller. I ordered the currency at my bank branch, fortunately, Elena Vladimirovna Voitekhovich (the manager of the bank branch, 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 problems in the "after-hours" time (applications were submitted until 10.30 , and I was at 12).
Total loan amount amounted to 39 427 rubles. Due to the jump in the rate, I had to deposit my own funds not provided for by the deposit, as the bank could not issue a loan of more than 75% of the value of the apartment. The preliminary contract was concluded at a rate of 2.10 rubles, and the deal itself - 2.17 rubles. Yes, the price is stated in the contract in Belarusian rubles, but there is a line “which is equivalent to ... thousand dollars at the 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 now I have been living in my large apartment, there is a repair ahead and 20 years of loan repayments. By the way, the first 18 months I pay only% - 195.07 rubles, since May 2020 the main debt will be added 178.40.
A few words about%: when concluding a loan agreement, you can choose 2 options for the interest rate - CP +1% or the weighted average rate (I still do 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 currently CMP 10, then I chose CMP + 1, because my weighted average is 13.