Mortgage for individual entrepreneurs in 2019: which bank is better to take?

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Mortgage for individual entrepreneurs in 2019: which bank is better to take


A mortgage is an affordable way to improve your living conditions, as well as replenish your personal treasury. Which banks give mortgages to individual entrepreneurs, whose income the state considers “under a magnifying glass”? To begin with, banks issue the “Mortgage for IP” product in two forms: for an individual and a legal entity. The rating of current offers was prepared based on materials from the site credits.ru. 


  • Rules for granting a mortgage loan for individual entrepreneurs 


Mortgages, like other credit products, have their own set of formalities. Given the specifics of the organizational structure of IP, the task becomes more complicated. Consider the following indicators: entrepreneurial activity 6-12 months; availability of turnover on the current account in the bank where the application will be submitted; absence of debts on payment of tax fees and other budget fees. The decisive factor will be the provision of a certificate of true income, which is confirmed by accounting certificates. Thus, in order to increase the chances of loan approval, it is initially necessary to put in order and resolve the nuances. In any case, during the initial consultation, detailed information can be obtained from the mortgage manager.


  • Loan terms 


The conditions for granting a mortgage loan for individual entrepreneurs will differ from offers for retail clients. This is associated with increased risks. The income of a businessman can be both seasonal and permanent. Questions about the so-called “purity” of profits may also arise here. The owners deliberately reduce the total profit in the reporting in order to reduce the tax base. All these moments financial structures lay in their own risks. For each loan issued, they create reserves in the Central Bank. These very reserves affect the key indicators of their activities, and violation of the standards threatens to revoke the license. Under such conditions, the cost of the loan increases. Not the fact that all borrowers will be in arrears. The burden is shared evenly to provide money at an adequate market price. The interest rate will be higher by a couple of percentage points, and the period is limited to 15-20 years. Restrictions also apply to the down payment. The minimum bar is 20-25% of the requested loan amount. Additionally, such programs include a guarantor or collateral property that is different from the purchased one. Details depend on the specific bank to which the application will be submitted.




  • Instructions for obtaining a mortgage for individual 


entrepreneurs In order not to lose sight of anything when making a deal, we suggest following the following plan: Outline the range of banks that provide collateral loans for business owners. Learn the terms and conditions of a mortgage loan. Gather the necessary paperwork. Check the debt to budgetary organizations, as well as the existence of existing executive office work. Select a property of interest, evaluate the collateral in an accredited bank of the company. Make an appointment with a mortgage manager, fill out an application and check the correctness of the provided set of papers. Wait for a preliminary decision on the approved amount. Generally, it will take 3-5 business days. Once approved, the deposit is sent for security checks. On average - 1-2 days. As soon as the final decision is made, proceed to the signing of the loan agreement. Register ownership. This additional service is issued at the bank after the signing of the loan agreement.


  • Banks for registration of mortgages for individual entrepreneurs


 To answer the question: “which banks give mortgages to individual entrepreneurs”, you can spend more than one hour studying information on the Internet. The rating is compiled in a chaotic manner, so you should not focus on the place of the bank in the list, as this does not increase the likelihood of the transaction being approved. The following selection will help reduce the time to find an acceptable offer.


Business owners often face various difficulties when applying for financing. Unfortunately, the shadow economy causes concern among credit institutions and does not allow them to take into account all types of economic accounting. This may entail high risks of non-repayment of the loan. However, collateral acts as a guarantor for a mortgage, which, in case of delay or refusal to pay, will be sold. For these reasons, the process of issuing and processing this type of lending is very delayed. True, there are a number of programs that allow express transactions with a fairly high interest rate.

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