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Land –is the beginning of beginnings.
Well show us, who doesn’t want to feel yourself by a landowner.
Who doesn’t want to dot on a map by a marker and say proudly to the friends – it’s my land! Piece of land it’s more than surface or sand or clay – at first it’s your isolated territory which belongs legally only to you. You can simply admire it, build, wait while will grow in a price and to sell, pass on an inheritance descendants, in any case it is much more advantageous investment, than gold or antique decorations.
Decorations indeed grow in a price, but by not such rates as land. Decorations, pictures, which are passed from a generation in a generation, do not go in comparing to the family manors (which practically did not remain on territory of Ukraine and Russia) neither on a nowaday cost nor on the rates of growth.
All is begun with land. Not for free more than 80% wars went for the capture of territories, and now until now after so much years many states have claims in relation to the scopes of territories. To own land it means to have a sure look in the tomorrow future. But, unfortunately, the cost of a land grows every month, and the accumulation of the personal funds simply is not possible, a loan can an output serve in a bank. But choice of area it is business not lung and it will occupy for you a lot of time, it is not needed to forget except for it, that on lot land can not appear communications and then dressed up you to run into the problem of planning of engineering networks, we already do not talk about the receipt of new documents on a land. All of it will occupy a lot of time, whether you will have yet forces and time what to hurry and ring up banks in search of receipt of optimum terms of crediting.
In all these questions «BGT consulting» company can help you. We pick up you a bank, choose the optimum program of crediting, if necessary, choose similarly for you suitable insurance, evaluation company from companies which have accreditation in a bank. You only need to fill documents in our office – we’ll do all the other things. You don’t need to go to a bank, we’ll do it and save your own time. We conduct negotiations on behalf of the client with the bank’s manager and take failings documents if necessary.
Talk process and registration of agreements with the companies of evaluations and insurance, you similarly can shift on our shoulders. Actually we take all your problems, related to the receipt of a loan.
As we value our reputation and high degree of the banks’ loyalty to our company - we provide only high-quality services to our clients.
A minimum list over of necessary documents for the receipt of loan in the Ukrainian banks for buying the apartment is below:
• Xerocopy of passport (husband/wife)
• Xerocopy of certificate about the appropriation of identification number (husband/wife)
• Reference from job for the last 6 months, designed properly (with the monthly laying out, with the presence of date and output number, signature of director and chief accountant of a company, telephone number and address).
If you are working in small and medium entrepreneurship, you must have the following minimum package of documents:
• Xerocopy of testifying of state registration SME, testifying of registration the businessman or testifying of the right to carry on notarial and advocate activity;
• Xerocopy of certificate about registering of payer of taxes (form 4);
• Xerocopy of testifying to payment of the general tax - at the use of the simplified system of taxation;
• Xerocopy of reports of physical person - SME (form 3) for the last 3-4 quarters (depending on a bank).
It is a minimum package of documents, necessary for consideration of your business, the complete package of documents is determined after the choice of the proper bank, in obedience to its requirements to the grant of documents.
Now, we can see who, in opinion of our banks can be a borrower:
• Citizen of Ukraine
• Age of Ukrainians citizen can be from 21 to 60 years, but if a borrower is not 21 ago, some banks give out a loan under the individual programs
• Accordance the basic requirement of bank is a presence of stable profit, sufficient for redemption of sum of a loan and percents on it.
Term of crediting is from 1 to 30 years. Providing of a loan is the real estate which is bought for the loan’s money.
Loan currency can be: UAH, dollar USA, EURO and Swiss franc.
The sum of advance payment for the purchase of apartments hesitates from 5 to 30 percents depending on a bank.
After the complete receipt of documents time of bank’s answer about a loan is from 5 to 21 days depending on the sum of a loan and chosen bank.Redemption of a credit and percents on it takes place monthly equal parts (anuitet) or in obedience to the graph of redemption of payments (standart).
Potential borrowers also need to take into account that delivery of the loan is accompanied such charges:
• Bank’s commission for delivery of the loan: from 1 to 2 percents from the loan’s size (depending on a bank and chosen type of the loan)
• Commission for delivery of available facilities of monies: from 0,3% (depending on a
bank)
• Payment of services of insurance company (in obedience to the tariffs of insurance companies accredited in the banks)
• Charges on services of evaluation company (in obedience to the tariffs of companies of evaluations accredited in banks)
• Payment of the notary services (in obedience to the cost of the notary services).
«BGT consulting» company will render you assistance not only in the choice of bank and also can help you to select the insurance and evaluation company with the most advantageous terms. The cost of all package of our services makes from 1% to 2% from the sum of the given out loan. Thus our client pays all services of company only after making positive decision about delivery the loan by the bank. Receipt of a loan is not very difficult, but is troublesome and need more time. Taking into account that a lot of different nuances is satisfied in bank products, and their amount is satisfied large, the Ukrainian banks however can be while compared to the European or American banks which can offer to several hundreds of different products with numberless in a number of nuances. So in Italy, for example, can not give out a loan, on the basis of that a potential borrower on 2 weeks exceeds a time limit payment of communal payments. Fortunately, our banks are not so emphatic and more loyal in relation to clients. Thus, if you want to accelerate the process of receipt the loan, you are a business man who not have spare time for passing paper procrastination and inevitable formalities, or you simply want to facilitate and simplify on your own the process of receipt the loan - we with gladness will help you and will satisfy your queries and wishes so that the best advertising for us in the future will become your recommendations.
We wish the success for your businesses.
With kind regards,
BGT consulting
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