Today, mortgage programs are more than 50 banks. In fact working with the countryside, only 13 of them - it turns out that only about a quarter. In this part of the work put additional requirements: some agree to lend to only corporate clients, others work only with their clients - those who have accounts in these banks.
Some banks have a unified environment for both urban and suburban sites. For example,
Sberbank loans granted by 11% in foreign currency or 18% in rubles for all types of real estate. Other lenders terms vary depending on the different parts. The Moscow branch of the St. Petersburg
Promstroybank gives out mortgages under construction at 16% per annum in foreign currency. If the house is ready, the interest rate is 13% for white borrowers (those who can verify their income documentary) and 14% for the "gray". A bank
"Metropol" Lombard lending practices: under the existing property and not interested in the purpose for which the loan is taken . Their rates - from 12% to 18% per annum in exchange for its customers - 10 percent.
With regard to the specific risks of banks with suburban real estate, the two groups. First, the difficulty of assessing the sites. Reliable statistics for the cottages is not enough, this is not urban apartments, most of which are same, there are lots of proposals, and therefore can be up to a thousand dollars to assess the value of the object. Over the city there are lots of issues here affect the distance from the city and the surrounding infrastructure and accessibility, and communication and many other factors.
Second aspect - the specific risks that could affect the value of the object in the future. For example, the cottage is now a million dollars. In good location, everything wonderful. But tomorrow could pave the way for a number, under the windows will go "Kamaz", and the price will drop dramatically. He may even turn into catalogs. Moreover, the land may require the State to any municipal or federal requirements (for construction of the same road). Existing laws now allow the exemption, and compensation for former owners to rely on the assessment of BTI, ie much less than market value.
Source:
apartment. Cottage. Office 
