Mortgage lending program for acquisition of accmmodation under 在住宿收购抵押贷款程序.pptVIP

Samruk-Kazyna ?лтты? ?л-ау?ат ?оры Samruk-Kazyna ?лтты? ?л-ау?ат ?оры Mortgage lending program for acquisition of accommodation under construction “National welfare fund “Samryk-Kazyna” JSC Content Scheme of accommodation acquisition at free price Scheme of accommodation acquisition at fixed price * 1. Scheme of realization of measures concerning acquisition of accommodation via Banks of second level at free price in the ready or under construction objects of real estate NWF “Samryk-Kazyna” Bank “A” Lending terms; 1. Annual efficient fee rate no more than 10,5%; 2. Term – no more than 15 years; 3. Right of anticipated repayment of mortgage loans without any sanctions of the Bank; 4. Down payment of 20% of the apartment’s cost; (it is located in the Bank at the deposit with extra fee on the term till commission of the object); 5. Possible delays in paying the basic debt up to 2 years. Borrower: - Represents necessary package of documents; - Tenders down payment of 20% of the apartment’s cost; - Awaits till the bank forms the pool of borrowers. Bank during 60 days then every month: - Makes decisions concerning granting of loans; - Concludes mortgage agreement with borrower; - Forms pool of customers no less than 30% of the general amount of non-sold apartments; - Sends the package of documents to NWF “Samryk-Kazyna” to get money. How to form mortgage loan To buy apartment in our R/E You need to address to Bank “A” Bank – list of approved loans Funding of Bank for giving loans Special deposit agreement Payment for accommodation on mortgage loans Conclusion of loan agreement with Bank R/E “A” object R/E “B” object Объект Ж/К “В? R/E “C” object Borrower pool 1 2 3 4 5 6 Customer chooses an object where he plans to buy an apartment at free price. The object must be the primary object of real estate (under construction or completed); Developer: offers free (non-sold) accommodation; informs a customer about the price; informs a custo