Mortgage credit is the best opportunity for purchasing the dwelling, construction and repair works as well as improvement, due to permanent price rice in the sphere of real estate the loan is paid off over time.
In collaboration with banks we help each customer find the best solution, concerning the purchase of the real estate improvement or building of the house.
We give advice free of charge, we help to choose appropriate bank with user-friendly interest rate for each customer. We deal with every desires of every customer and we help to implement them.
We prepare documentation for loan assessment and we control the transaction until the money is delivered to the bank.
For loan assessment the following documents are necessary:
- Evaluation of purchasable or pledge property;
- A reference of income;
- Copies of borrower, proprietor of pledge property (if it is not your property), spouse passports;
- For building the project, estimate and permission of building are necessary.
Taking a real estate on credit, you have to take into account the following additional bank expenses:
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Evaluation of the real estate you are going to purchase – service fee is set by valuation company. |
From 50 LVL (it depends on kind of real estate) |
| Notary services. | From 15 LVL to 20 LVL each |
| State duty of Land Register – duty for registration of pledge. | 0.1 % of credit sum |
| Stamp duty | 9 LVL |
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Insurance of property |
0.12 % - 0.35% of the value of the real estate |
| Payment for loan assessment, credit granting, execution of credit documentation in the bank. Payments vary in different banks. |
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If you have any questions about credit transactions, write to credit specialists of “Ogres Nami” Ltd.
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