Loan secured by commercial real estate for business

• The loan is granted only to individual entrepreneurs and LLCs
• At least 6 months must have passed since the state registration of the borrower's business
• On the date of repayment of the last loan payment, the individual entrepreneur borrower or the beneficial owner must not be older than 70 years
• Number of company employees: no more than 250 people
• Annual company turnover: no more than RUB 1.2 billion
• The bank may request that the Borrower provide a personal guarantee

• The collateral must not belong to persons under 18 years of age
• The real estate must be in good condition and must not be included in a capital repair, reconstruction, or demolition program. 
• At the time of loan processing, the pledged real estate must not be specified in gift or alienation agreements.
• There must be no restrictions of rights or encumbrances according to data from the Unified State Register of Real Estate (USRN).

• Loan application from the Borrower
• Transaction participant questionnaires
• Copies of passports of the transaction participants (all pages, including blank ones)
• Collateral documents
• Copies of constituent and registration documents

Real estate property may serve as collateral: an apartment, residential house, office, warehouse, store, or other commercial real estate.

• The Borrower is an individual entrepreneur or legal entity
• Minimum loan amount – RUB 1 million
  
• Maximum loan amount – RUB 50 million
  
• Loan term – from 12 to 84 months
• Available in the form of a lump-sum loan or a non-revolving credit line
  
• A grace period for repayment of the principal debt for up to 6 months is available for business
  

1. Complete the online application form on this page and wait for a call from the bank. Our manager will contact you in just a few minutes.
2. Next, we will need to verify and assess your real estate. We will request all necessary collateral documents ourselves, free of charge.
   
3. If everything is in order, we will invite you to the bank to sign the agreement. You need to bring the required set of documents with you.
   
4. After the agreement is completed, we will independently register the transaction with Rosreestr (Federal Service for State Registration, Cadastre and Cartography). The procedure usually takes up to 5 days. After that, the loan funds will be credited to your current account.