How much is it credited to the Kiev «primary cell» in the joint projects of developers and banks?

22.03.2011 20:45
Articles about real estate | How much is it credited to the Kiev «primary cell» in the joint projects of developers and banks? This text is - an attempt to bring a unified system of prices in February 2011 on a commercially available apartments in buildings under construction in Kiev, buildings which are "tied" to the credit program of a bank (this phenomenon in the reviews on Prostobank.ua commonly referred to as "localized mortgage -the primary ").

As is known, the rate banks on such programs are (though not always) lower than the "non-localized the primary."

Related article: Banks will not take away housing Ukrainians

It is easy to see in any mortgage survey recently on Prostobank.ua (eg February) in late 2010 - early 2011, most of the localized quasi-capital programs, the primary mortgage is not related to the city of Kiev and its suburbs (Toompea, Boryspil, Lucky , Gulls, Kozin). And half of it in this case is not about the apartments, but the cottages.

Apartments in the same concrete buildings under construction within the city limits of Kiev in February 2011, only three credit particular bank from among the top 50 by assets in four apartment complexes (except for co Oschadbanka with "Zhitlo Invest credit apartments all its facilities under construction) .

This localized credited Kiev "primary" is easy to divide powers of elitism and the price level:

1.ekonom-class complex of three houses, "candles" "park lake in one kilometer from the subway station Darnitsa (Delta Bank loans);

2.biznes-class complex of six sections of "Azure Blues" on the banks of the channel Rusanovskoye one kilometer from the metro station "left bank" (bank credits the "Forum");

3.delyuks-great complexes of the four sections "Panorama" half a kilometer from the metro station "Cave" and - far from it - five section "Caves quarter" half a kilometer from the metro station of "Friendship of Peoples" (Bank lends to both objects Tavrika).

On three of the four projects (out of deluxe-class selected "Panorama" - a "Crypt quarter" price level is very close to it), we offer you to explore the table of prices (February 2011), and footage of apartments, following in each case, after a brief description of the object and credit conditions

In addition, the tables, we present the real (dollar) value of the minimum possible for these banks to advance credit for each apartment - to which the right to add on and the amount of one-time commission of the bank loan. Footage in the tables everywhere rounded to the lower whole, and the prices - up more than a dozen.

"Park lake", Kiev, Resurrection, 7


The residential complex of three houses on the edge of a large forest park on the banks of the Victory chain of small ponds uzkovytyanutyh proudly named lakes (map, on-site building - a cross center of the map, the red line shows the way to the subway station Darnitsa).

The first two houses to the beginning of 2011 raised to the full height of 25 floors and finish trim; commissioning is expected in early 2012. Feature of the residential complex - full finish turnkey equipment and flats up to the kitchen unit (here a photo finish flat ground floor - made, curiously, at a time when the upper floors has not been, and still has the upper floors while without walls).

Delta Bank lends to the project. Advances - 30% and 40%. Dates - 1, 4, 7, 10 years old. Real rates 20,3% -23.09% APR (with a one-time commission 1,5% in all conditions). Lender department is working on the construction site - construction site has a semi-free access necessary to finish the inspection by investors.

Note that the apartment with the cost per square meter 1440-1500 dollars - with windows facing the park and ponds.

Monthly annuity payments on a loan with a maximum term (10 years) and minimal upfront (30%) will be:

* For the lowest cost (63,580 dollars) a one-room apartment - $ 860
* For the mainstream (83,300 dollars) a two-bedroom - $ 1120.

Property insurance (0,3% of sales price a year) and life (0,25% of loan balance per year) for the second year for these apartments will be $ 250 and $ 320 respectively.

"Azure Blues", Kiev, Tumanyan, 15


Complex on the opposite shore Rusanivka Rusanovskoye channel (map, on-site building - a cross center of the map, the red line shows the way to the metro station "left bank").

The first phase of residential complex - multisection home, built in 2006-2008, the building is frozen during the crisis continued in 2010, is now virtually complete, are finishing work. Commissioning is expected in 2011.

Detailed features of the building can be seen here, and planning of apartments here. One-bedroom apartments with prices in 1570 dollars per square meter - on the high floors with panoramic views (in addition to the channel and the whole island Rusanivka the last visible Dnieper and the dome of the monastery).

A variety of items (up to the assignment of proposals) can be found on the full mnogovetochnom Investors Forum "Azure Blues."

Credits the project bank "Forum". Advances - 35% and 50%. Dates - 1, 5, 10, 15. Real rates 12,6% -15.27% APR (with a one-time commission of 1% and 1.5% depending on the advance).

Monthly annuity payments on a loan with a maximum term (15 years) and minimal upfront (35%) will be:

* For the lowest-cost (679,240 dollars) a one-room apartment - $ 640
* For a two-bedroom apartments (135,100 dollars) - $ 1100.

Property insurance (0,3% of sales price in the year, life insurance, no) for the second year for these apartments will be $ 160 and $ 260 respectively.

"Panorama", Kiev, Shorsa, 44


House "in the yards" behind the famous Round Tower Kyiv Fortress, located on the Boulevard Lesia Ukrainka (map, on-site building - a cross center of the map, the red line shows the way to the metro station "Cave").

The first two sections of the residential complex put into operation, delivery of the third and fourth sections are expected in 2012. Apartment planning can be seen here.

In addition to these lower price the investor pays the Fund finance the construction of a commission of 1% of the amount of the contract with him.

Credits the project bank Tavrika. Advance payment - 50%. Terms of 1 year, 5 years. Real rates 22.67% -25.57% per annum (rather big, we note rate for a small maximum duration, in addition, you can only use the classical scheme of payments, which increases the payment of first year). In this one-time fee is 2% under all conditions.

Prices of apartments available on the project site is not found, and the developer wishes to send the price of our request. In a telephone same regime - terrible secret information about the prices of goods from the seller of goods has been received. True, the prices available in the complex four-room apartments are we still not announced.

Monthly annuity payments on a loan with a maximum term (5 years) and minimal upfront (50%) will be:

* For the lowest-cost (171,150 dollars) a one-room apartment - $ 2,370,
* For the mainstream two-bedroom apartment (200,000 dollars) - $ 2770.

Property Insurance (0.15% apartment price per year, life insurance, no) for the second year for these apartments will be $ 130 and $ 150 respectively.

For more on the nuances of these objects - other than those indicated in the text of websites of the objects themselves - please telephone and web resources (for banks in the table shows the sub-mortgage their portals for real estate developers - the main portal pages).

Prostobank.ua

Content tags: Mortgages New buildings Kiev
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