Preferential loan for gas in which bank. Credit for gasification. The Benefits of Micro-Granting: A Borrower's and Guarantor's Perspective on Suretly's Service

Allows you to solve many problems. Among them is the conduction of gas in Vacation home. This event requires quite serious financial investments and is burdensome for the family budget. In this regard, a number of banking institutions offer their customers to issue a loan for gasification. This program is being implemented with state support and is one of the measures for the universal gasification of the country.

What is a gasification loan?

The high cost of services for conducting gas to a house that is located far from the city and the centralized system is a serious obstacle when ordering such work for both summer residents and people who live in such places permanently. Not every family can find funds for a one-time payment of the cost of services, which is indicated in the estimate. A gas loan, which can be obtained from banks such as, and some others, will help solve this issue.

Under what conditions can I get a loan for gasification?

Among the documents required to be submitted when applying for such a loan is an expense estimate. It should be prepared in advance and checked to include the following costs:

• for the development of a gasification project;
• for carrying out construction and installation works for laying gas pipes and installing additional equipment;
• on the materials used;
• for organizing the commissioning of the facility.

Only after carrying out all preliminary calculations and displaying them on paper is there a basis for applying to in order to obtain a loan for the gasification of a residential building. Comparative analysis offers in various banks will help determine the best option. Gazprombank can be called a specialized organization that has a well-established scheme of working with gasification companies. Also noteworthy is the proposal of the Russian Agricultural Bank, through which you can get gas on credit on preferential terms. It is possible to use the so-called preferential holidays during the first year of lending. This means that you only have to pay the interest on the loan, while the principal debt begins to be paid later.

The procedure for obtaining a loan for gasification

As with any other lending, the bank exposes to the borrower who wants to spend gas on credit, certain requirements regarding age, work experience, income level, citizenship and registration. Also, special attention is paid to. When applying for a large amount, the bank may require collateral in the form of a guarantee or liquid collateral (in some cases, both options may be needed).

If gas is being installed on credit, then it is necessary to attach to the application not only the usual passport and, but also documents confirming the work on gasification (contract with the contractor, estimate, conclusion and technical conditions for connecting gas to the house). It is important to remember that after the time allotted for the work has passed, the bank requests supporting documents. These include, first of all, an act on the work performed and payment documents on payment. They are regarded by the Bank as proof that the allocated funds were spent in accordance with the intended purpose.

Thus, the installation of gas on credit is possible, but requires additional preparations. As an alternative to such targeted lending, ordinary consumer credit in cash. In this case, no additional documents, also do not have to report to the bank about the purposes for which the received money was used. However, this option also has disadvantages: inflated interest rates and a limited available loan amount. Nevertheless, attracting guarantors or providing a bank with collateral will help solve these problems and get the amount missing for gas transportation on relatively favorable terms.

The process of conducting gas is very laborious, but it is unnecessary to talk about its benefits, since the high cost of the complex of works will ultimately pay off with the low cost of operating the coolant (gas) itself. A laborious process can be called for both parties involved. For installers, it consists in laying pipes underground (it is especially difficult to do this again, that is, where gas pipelines are not developed), and for consumers, the difficulties lie in drawing up a large package of documentation. But our material will describe in detail the optimal plan of action for an ordinary citizen. In addition, it should be noted that after the adoption of new rules for connecting private houses to the gas system, only state gas services deal with this issue. Also, do not forget about federal law"On gas supply", which divides into categories all gas consumers. But in the vast majority of cases, owners of private houses, the area of ​​\u200b\u200bhouses that do not exceed 250 m², fall under the 1st category, consuming no more than 5 m³ / hour of gas (which is actually enough for optimal heating of a house of a specified area).

Step by step procedure

Initially, it is necessary to determine the free time that the owner of a private house has, since the process of collecting and processing documentation is very long and includes bypassing many instances. Now there are a sufficient number of companies on the service market that deal with paperwork, but the prices for the cost of work entirely depend on the nature and complexity of the work to be done. So, the average cost of services for the design of a full package starts from 100,000 rubles.

Stage #1: Receipt specifications gasification project.

Obtaining technical specifications takes place in the state gas service, it can be oblgaz or gorgaz. They are responsible for laying gas pipelines, as well as putting them into operation. In addition, they have the exclusive right to sell gas to the public. When applying, you must have a number of documents with you:

1. Statement in prescribed form with a request for the issuance of technical specifications for the project;
2. A photocopy of the passport of a citizen of the Russian Federation;
3. Documents confirming the ownership of the house or land for it. Here it is necessary to clarify that if the house has already been put into operation, then any document confirming the right of ownership will be sufficient: a contract of sale, a technical passport, and so on. If the house has not yet been built, then it is necessary to submit an agreement on the purchase of a land plot and registration of its ownership;
4. Detailed plan of the location of the house on the ground.

An important point is the fact that connecting a private house to gas is possible only if the area (where the house is located) falls into the general plan for gasification of the area. Moreover, gas services pay attention to the fact that the connection of a new consumer is technically possible. That is, the consumption of 5 m³/h of gas by a new point of consumption should not reduce the pressure in the network (other consumers should not be affected). The factor of remoteness of a piece of land (or a house) from an existing gas main is also taken into account, which should not exceed 200 meters. The term for drawing up the project lasts about a month, and its cost will be from 1500 to 3000 rubles.

Stage 2: Technical connection.

After the preparation and approval of the package of documents described above, the gas is directly supplied to the site. Technical connection is carried out from the existing gas pipeline to the land (or land with a house). The approximate cost of such work depends on its complexity and terrain features and can range from 23,000 to 50,000 rubles. But this is not the final stage in the connection, it is still impossible to conduct gas into the house.

Stage number 3: Drawing up a project for gasification of the house.

The money spent in the first two stages is, so to speak, “flowers”. The most difficult and costly stage is the preparation and approval of a project for the gasification of a private house. Two options are also possible here: a personal appeal to the city gas or oblgas, but most often the state gas service delays the registration process for more than six months, or an appeal to a special company that has permits for this type of activity. Option two is more expensive, but faster and more reliable. In any case, the final version of the documents must contain:

1. Detailed specifications connected devices and their complete list;
2. Plan-scheme for the location of appliances in the house with strict observance of all compliance rules - the organization of the chimney and compliance with safety regulations.

After receiving these documents "in hand", it remains to choose a contractor to perform the final installation of the gas main in the house.

Stage 4: Project implementation.

After completing all the documentation, the time comes for the final installation of pipelines and devices. It is best to entrust the execution of work to one organization specializing in universal work (installing a gas pipeline into the house and installing appliances). As soon as all work is completed, it is necessary to re-apply to Gorgaz or Oblgaz with a request to inspect the newly installed equipment.

Stage 5: Checking equipment and starting gas.

Representatives of Gorgaz, after a personal appeal from the owner of a private house, must carry out an inspection. This may take up to 3-4 weeks. If the check is successful, then a certificate of technical supervision is issued. Next, you need to collect absolutely all the documents (from stages 1 to 5) and re-submit them to the city gas company. During the 21st day in a private house Gorgaz employees should come to seal the gas meter and draw up an agreement for the supply of gas to the house. Gas is introduced by opening a valve located in front of the gas distribution valve, and it is prohibited to open the valve without a gas service employee. Further, in order to avoid possible unpleasant situations, it is better to order and pay for the service of checking gas fittings, after which a document will be issued confirming the serviceability of the equipment.

As a result, we have total costs for paperwork from 300,000 to 700,000 rubles (excluding funds spent on the purchase of gas equipment: boiler, water heater, etc.), 6-9 months of time spent and a fully gasified house. It sounds a little scary, but the gas method of heating a house does not pay off in such a long time. The operation and costs of the heat transfer fluid are much cheaper than solid heat transfer fluids or electric heating.

Benefits for gasification of a private house

In our country, there are a large number of categories of the population that are actively supported by the state through the provision of various benefits. These include low-income families or individual citizens, veterans of the Second World War or other military operations, large families or single parents with many children, and the disabled. But the current federal legislation, unfortunately, does not provide any benefits and indulgences for the gasification of private houses. There are various benefits for paying for the same gas and for housing and communal services, but there are no benefits for the construction of pipelines.

Regional benefits for gas connection

The absence of federal benefits does not mean that they can not be at all. At the regional level, the territories and regions of Russia nevertheless single out certain categories of citizens who are granted benefits for conducting gas. This benefit is expressed in compensation for connection costs. As a rule, such categories are labor veterans, large families, heroes Soviet Union and Russia, invalids of all 1-2 groups, participants of the Great Patriotic War, Chernobyl survivors. To receive compensation, it is necessary to collect all documents confirming the work performed and payment for them.

Let us consider in more detail the benefits for connecting gas on the example of the Rostov region.

So, according to the regional law of the Rostov region, gasification benefits in the form of compensation have:

• Invalids of the Great Patriotic War.
• Members of the Great Patriotic War.
• Disabled people of I and II groups.
• Former minor prisoners of fascism.
• Persons awarded with the badge "Inhabitant of besieged Leningrad".
• Home front workers.
• Widows of the fallen (deceased) invalids of the Great Patriotic War and participants of the Great Patriotic War.
• Large families

The amount of compensation is not more than 50% of the amount paid for the connection. But the maximum amount that can be paid is limited to 20,000 rubles (as of 2015). That is, if the actual costs of connecting gas, for example, amounted to 100,000 rubles, then the amount of compensation will be 20,000 rubles.

Compensation can only be granted once in a lifetime. To receive compensation, you must apply to the local branch of the Department of Social Protection of the Population with an application, as well as attach documents confirming the preferential status and the work performed on the gasification of the property.

In the Leningrad region, for example, there is a regional gasification benefit. A special procedure for granting subsidies for connecting gas equipment to the gas distribution network has been adopted there. The authorities of the region have set the amounts that will be paid from the budget, this is 110,000 rubles for the beneficiaries who were listed above, and 70,000 for everyone else. As planned by the authorities, taking into account the subsidy, the final amount for gasification that a citizen will spend will be from 10,000 to 50,000 rubles. But an important condition is that the owner of the house must be registered in it and live in it for at least 1 year.

The right of the regional authorities at the local level to decide on granting certain categories of citizens benefits for paying for gas connection means that when supplying gas to a private house, it is necessary to find out from the local administration about the availability of subsidies for beneficiaries in a particular region.

To conduct gas to a country house is an expensive undertaking, which not every summer resident decides on. After drawing up the cost estimate, it becomes clear that not everyone can afford to pay such expenses from their own funds. The problem can be solved at the expense of borrowed funds - many banks offer special loans for such a case.

But before applying to the bank for a loan for gasification, it is worth preparing all the documents confirming the forthcoming expenses. The cost estimate should include the cost of:

• services for the development of a gasification project;
• construction and installation works (laying of gas pipes, tie-in to the main, installation and dismantling of equipment, gas supply wiring in the house);
• materials and equipment (pipes, boiler, water heating equipment, etc.);
• putting the object into operation.

And only after the calculations are made and the estimate is ready, you can proceed to the choice of a bank and credit programs. The most obvious and in a simple way there will be an appeal to a specialized credit institution - Gazprombank, which has a list of gasification companies with which it works. And consequently, the process of obtaining borrowed funds is maximally simplified and unified. There are also special programs for summer residents in the Russian Agricultural Bank - on preferential terms and with large lending limits. And for a loan from Chuvashkreditprombank, it is even possible for the state to compensate part of the rate.

Table "Loans for gasification in Russian banks"

	bank, credit	Min. bid	Max. sum	Max. term
		600 thousand rubles
	Dalta-Bank, "My construction (up to 500 thousand rubles)"		500 thousand rubles
		700 thousand rubles
		1.5 million rubles
		500 thousand rubles
	Sibsotsbank, "Housing (under guarantee)"		From 300 thousand rubles
		700 thousand rubles
		700 thousand rubles
		700 thousand rubles
		700 thousand rubles

Data: June 2015

Gasification loans, bank offers

The most favorable conditions

The rate is from 16.5% per annum in rubles - in. This is the minimum value (if the borrower provides housing as collateral), the maximum value can reach 23.42% per annum. The rate will also differ depending on the loan term and the status of the borrower:

• for payroll clients of GPB — up to 1 year (16.5% per annum with collateral, 17.5% without collateral), 1-3 years (17.5% per annum with collateral, 18.5% without collateral), 3-5 years (18.5% per annum with collateral, 19.5% without collateral);
• for state employees - up to 1 year (17.5% per annum with collateral, 18.5% without collateral), 1-3 years (18.5% per annum with collateral, 19.5% without collateral), 3-5 years (19 .5% per annum with collateral, 20.5% without collateral). If you refuse personal insurance, the rate increases by 1%.

Among other things (consumer purposes, refinancing an old loan), this loan can be spent on paying for gas equipment and services (project development, construction and installation works and commissioning, execution of executive documentation, etc.). The maximum loan amount for these purposes will then be 600 thousand rubles. The list of gasification companies for whose services you can take this loan is on the bank's website.

Among the advantages of this loan is the ability to choose a repayment method (annuity or differentiated payments), as well as receive a grace period for payments (if the borrower has financial difficulties). However, not everyone will be able to take advantage of this offer, but only payroll clients GPB or employees of companies that are included by the bank in the consumer lending program or are classified as budgetary institutions. The absence of a negative credit history is another important condition.

The largest credit limit

Up to 1.5 million rubles - on a loan in. This loan can be taken for repairs, development of household plots and even gasification.

• The term of the loan will depend on whether the borrower confirms intended use borrowed funds: up to 3 years (without confirmation) and up to 5 years (with confirmation).
• The lending rate will differ depending on the terms: 22.5% per annum in rubles (for a period of 1-12 months), 23% (12-36 months), 23.5% (36-60 months).
• The security can be real estate or guarantees. The subject of the pledge must be insured, but personal insurance - at the request of the client (without it - plus 2.5% to the basic loan rate).

Rosselkhozbank has other credit programs, within which it is possible to obtain borrowed funds for gasification, for example, “ Engineering Communication” or “For the development of personal subsidiary plots”. But the lending limits for them will be less, and the rates will be higher.

No fees

You can get a loan at You can take it for the development of household plots, repairs, gasification.

• The rate on it will be the same regardless of the terms and amounts - 22% per annum in rubles. And part of it (in the amount of the refinancing rate, now 8.25%) will be compensated to the borrower from public funds.
• Lending limits - up to 700 thousand rubles, terms - up to 5 years.
• Security will be required - a pledge (real estate, vehicles, machinery, equipment) or guarantees (with a loan amount of up to 500 thousand rubles inclusive - one individual; with a loan amount over 500 thousand rubles - two individuals).
• Property insurance - at the discretion of the bank.

But not everyone will be able to take advantage of such attractive conditions, but only residents of Moscow, Cheboksary, Yoshkar-Ola, Novocheboksarsk, Kanashi, Alatyri, Batyrevo. And in addition to the standard requirements (age 21 - 60 years, experience at the last place of work for at least 6 months), there is one more condition - the borrower must maintain a personal subsidiary farm and be accounted for in the household book of personal subsidiary plots.

Gas / Gasification in the Moscow region

SUE MO "Mosoblgaz" offers its customers a new service - gasification of housing on credit. Together with Bank Vozrozhdenie, a special program"Gasification of housing", designed to receive individuals a loan to pay for the services provided by State Unitary Enterprise MO Mosoblgaz for gasification (payment for the project, gas equipment, construction, installation and commissioning).

Gasification on credit: conditions for granting a loan

The loan is issued without collateral and guarantors. The loan amount - from 30,000 to 550,000 rubles is issued for a period of up to 5 years. The interest rate depends on the term of the loan and ranges from 15.75 to 19.25% per annum.

The proposed rates can hardly be called moderate. With a loan amount of 550,000 rubles, a rate of 15.75% and a loan repayment period of 5 years, the total overpayment for using the loan will be about 248,000 rubles, and the amount of the monthly payment will be about 13,000 rubles. You can make an approximate calculation of payments under other loan conditions using the on-line service Loan Calculator.

Currently, the State Unitary Enterprise MO Mosoblgaz is negotiating loans to the population to pay for housing gasification services with several more banks. Soon, according to Mosoblgaz, its customers will be able to choose a bank with the most suitable lending conditions.

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The Benefits of Micro-Granting: A Borrower's and Guarantor's Perspective on Suretly's Service

Suretly is a revolution in the online loan market.

Inhabitants countryside and the urban private sector can finally breathe a sigh of relief - no need to prepare firewood for the winter and write out coal. In many regions of the country, they also decided to "put them on the pipe." Joy is usually replaced by disappointment - although the gas pipeline stretches along the street very close to the houses, but the cost of connecting to it turns out to be prohibitively high. It is worth taking out a loan to receive "blue" fuel at home. How and where to borrow money for this purpose?

Gazprom - dreams come true, but at the expense of the dreamers themselves

The following Russian banks provide loans for gasification:

• Rosselkhozbank under the program "Engineering Communications" issues up to 500,000 rubles for up to 5 years at a rate of 21-27.5% per annum. There is a chance to get a "loan vacation" for a year and pay only interest. A guarantee or pledge of property is required, but the bank has the right to simultaneously require both forms of security.
• Gazprombank offers "Consumer Credit" for 5 years in the amount of up to 600 thousand rubles with payment of 16.5-23.5% per annum. The property is collateral. But the bank has strictly limited the list of partner companies whose services can be paid using these credit funds.
• "Credit for private household plots" from AkBars is an opportunity to receive up to 700 thousand rubles for 5 years at 23% per annum, and with correct design documents and participation in the state program - to compensate for part of interest rate with a subsidy from the budget.

In addition to the standard package of documents (passport, certificates of employment), you must attach documentation confirming the intended purpose (conclusion and technical conditions for connecting the house to gas, an agreement with a contractor, an estimate of upcoming costs). After that, time is given for the performance of the relevant work and the bank requests a package of papers to clarify the expenditure of funds for the stated purpose (payment documents for payment, an act of work performed).

There is no bank nearby with a target lending program, it is worth taking a regular consumer cash loan. It will not require evidence of targeted spending and collection of documents for gasification.