There is not enough money to build a suburban or summer cottage: offers a loan for construction on favorable terms, without collateral and third-party guarantees.
Private real estate has a number of advantages: it is an opportunity to take a break from the hustle and bustle of big cities, to equip a site, to provide yourself with comfortable conditions for work and leisure. When planning to build your own house, you can take a mortgage loan for construction at any bank, provided that you are a law-abiding citizen and a trustworthy client. True, the loan is not always enough to complete the construction.
Financial support may be needed not only for construction and some shortcomings but also for the reconstruction of the house when buying secondary housing. It is unlikely that you will be able to re-take a mortgage or a consumer loan from a bank, but there is a way out. In this case, you can seek help from microfinance organizations that lend to the population under various programs, including housing construction.
Loan for building a house without a down payment:
conditions
Special mortgage lending programs at a bank for housing construction, as a rule, have several nuances that act as requirements. The client needs to make a down payment and leave a deposit, which can be property under construction. At the same time, in order to obtain a loan, it is necessary to collect a large number of documents, and it is also necessary to confirm the intended purpose of the borrowed funds.
You can avoid bureaucratic obstacles if you get a consumer loan for building a house, which can be both an initial payment for the bank and financial investment to start or complete construction if there is not enough money. Issuance of loans according to the passport.
Benefits of lending
- Minimum documents for obtaining a loan;
- Income certificates, collateral, and guarantors are not required;
- No confirmation of the intended use of borrowed funds is required;
- Minimum requirements for clients;
- Quick loan processing (20 min.) and quick receipt of money on the card;
- Early repayment without penalties and commissions;
- Prolongation of the loan in case of difficulties with paying the full amount of the loan.
Lending terms
The financial company offers various lending programs and issues loans for the construction of a private house. The credit limit is up to UAH 55,556 for a period of up to 1.5 years and is determined when considering an application. If you are a regular client of , service your loan obligations in a timely manner, and have several closed loans in your piggy bank, this will be a big plus when applying for a construction loan.
The conditions for obtaining a loan for building a house without a down payment are identical for all FinX customers, both new and regular:
- Age of majority – 18 years;
- Citizenship of Ukraine;
- No criminal record;
- Documents – passport and TIN (taxpayer identification number);
- Bank card of a Ukrainian bank.
When lending in, borrowed funds are transferred to a bank card, regardless of the method of processing credit obligations. When applying for a loan, it is required to go through card verification to prove that it belongs to the person applying for the loan. Based on this, the card (debit or credit) must be personalized (personalized) with 3-D Secure and a positive account balance (at least UAH 2). When verifying a card, a certain amount is blocked on the card (not withdrawn) until the procedure is completed. This approach to lending provides additional protection for the borrower’s data from encroachment by third parties.
How to apply for a loan to build a house?
The efficiency and convenience of obtaining a loan are the priorities in the work. The registration process takes only 20 minutes, and the money is transferred to the card immediately after signing the contract.
In order to get a loan for the construction of a house, you can apply:
- Online via service;
- Apply for a loan in person at a company branch in your city;
- Call by phone and find out a preliminary decision on the application, go to the office to draw up and sign a loan agreement.
You can apply for a loan online at any time – the service works around the clock 24/7 without days off and holidays and has no territorial reference.
The application form is simple and convenient with an online calculator with which you can calculate the loan parameters and choose the most favorable loan terms. Then it remains to fill out and send the questionnaire, wait for the call of the manager to confirm the application. In the process of registration, it will be necessary to transfer passport data and TIN, go through card verification, wait for a decision on the application. If the decision is positive, it is necessary to sign an agreement and receive money that can be cashed out at an ATM without commission or pay for goods and services.
