Zhilishchnyi balans
71 review
July 11
I would like to express my gratitude to the employees of the Housing Balance cooperative. I would especially like to mention the specialist Vladislav, who accompanied us on the deal! Responsible, responsive, polite, friendly, competent in all matters, sociable, an excellent specialist in his field. The transaction was conducted clearly, smoothly, confidently and legally correctly!
Housing balance is a great opportunity to solve the housing issue!
They approach their work very responsibly and promptly.
I definitely recommend that people who do not know how to solve the housing issue join a cooperative!
In turn, I wish the cooperative prosperity and well-being!
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7
3
August 15
After moving here, some employees got arrogant. That you come up without an appointment! They immediately rolled their eyes. It was a momentary matter. Moreover, there were half of the available staff. Thank you very much to the girl who was the only one who offered help and identified an employee. I don't know, compared to the girls from the office on Myasnikov, some of them are too arrogant here. Get down to the ground. Being in a business center does not mean being a peacock. According to the work of the company itself, it is a solid 5 (even 10 =), but I take off the star for the employees. The company and its role for citizens are super.
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6
1
September 9
I thank Housing Balance for their cooperation and I would like to thank specialist Evgenia, who accompanied me during and after the transaction. Evgenia explained everything clearly, answered questions of interest and suggested all organizational issues (for example, registration). It is very pleasant that the employees of the cooperative give a sense of care and presence at all stages, special thanks to Evgenia
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5
1
September 26
Having carried out simple mathematical calculations based on the information provided on the website and all the advertising news on the example presented to the company with an apartment in Minsk for 140 thousand rubles, an initial payment of 15 tas and a payment of 986 rubles, it was possible to calculate that the overpayment will amount to approximately 37.5% of the cost of housing (excluding additional payments), while you will be able to move in only after 4 years of savings and you will have to pay for another 11 years, while the usual bank deposit, which they calculated for the same 4 years, will allow you to save up for an apartment in 6 years and 3 months. Accordingly, from the advantages of the cooperative, you will move in 2 years and 3 months earlier, from the disadvantages you will lose not only 37.5% of the overpayment from the cost of the apartment, but all the profit from the accumulation of funds in the period from 6.25 to 15 years, which will amount to 136.1% of the cost of the apartment.
If we measure the benefit only in the financial issue, then the cooperative is more profitable than a loan from a bank, but is inferior to accumulation in the form of a deposit.
If you look at the timing of obtaining housing, the earlier you get housing, the more financially unprofitable the financing option will be: by taking out a loan from a bank you get housing immediately, but pay the most; by joining a cooperative you get housing after the cumulative period and pay less than the loan; and the last option is opening by depositing and collecting the entire amount yourself, you get housing the latest, but the amount you need to give is the minimum of all options.
What can be said about the company itself, a very dubious organization, of course, it's up to everyone to decide for themselves, but after reading the reviews about the company here and on third-party sites (except for the sites of the company itself, there are of course 0 negative reviews), there is absolutely no desire to join.
See original · Русский
17
1
September 1
We would like to share our experience of cooperation with the consumer cooperative Housing Balance. This cooperative really helps people to purchase housing by offering flexible conditions and minimal overpayments.
We joined the cooperative in April 2023. From the very beginning, the process was simple and transparent. We decided on the cost of the apartment and a payment schedule was drawn up. According to the plan, we should have accumulated the necessary amount for about 2.5 years, after which the cooperative would purchase real estate. Since we were overpaying, after 1.5 years we received a call from the cooperative and were offered to choose an apartment in Minsk, and already in August 2024 a deal was made!
I would especially like to note the professionalism and responsiveness of the employees of the cooperative. They were always ready to answer all your questions. Special thanks to Igor Kovel for promptly resolving all issues regarding the transaction and signing the necessary documents.
We are very pleased with our choice and recommend Housing Balance to anyone who is looking for a reliable partner to purchase a home. This cooperative really unites forces and brings the future closer!
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4
1
September 11
We had a sad experience with the housing balance.
In August, my wife and I came for a group consultation.
Then we stayed for an individual consultation.
Svetlana Mikhailovna Tanakova conducted the conversation with us.
I have said several times that we had an apartment that we sold and were thinking about a house.
Svetlana described to us the ideal option for buying a house, taking into account the large down payment.
We were satisfied with all the calculations.
We have signed a contract.
Satisfied, with a dream of home, we went home.
The entrance fee has been paid.
A week later, they wanted to deposit a large amount of money, they called Svetlana to accompany the operation, but Julia already picked up the phone.
I told about my intentions and clarified about the contract, which was drawn up for some reason for a 2-room apartment in our city.
Svetlana said that this is a preliminary agreement and then it can be changed as you like closer to the transaction.
To replace housing, to replace the city....
Julia replied that the Housing balance could not buy a house in our city.
Just the apartment.
She offered to consider buying a house in Brest.
It is 240 km from our city)
The conversation did not work out, as Julia did not listen to my wishes and offered Brest.
Having stopped this meaningless conversation, I asked to terminate the contract, as the company had misled us.
Svetlana has apparently been working recently and does not know all the nuances yet.
It turns out that not everywhere the housing balance can buy a house in the Republic of Belarus.
It turns out that there is a list of cities.
Our city was not on the list
We just wasted our time and money on a trip to the office in Minsk.
Then a second time to terminate the contract.
No one was going to return the money immediately.
They promised to return half of it in an hour.
As soon as we started talking about the prosecutor's office, we brought in our lawyer, the Housing Balance in the person of Yulia called back and said that they would refund the entire amount that we had paid.
We did not ask for the cost of the road, paid parking at the office, or two days of lost time to be refunded.
It was only upon termination of the contract that the girl apologized for the whole company.
The money never came
I am completely disappointed with this company.
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18
December 23
I want to leave a review for anyone who still has doubts.... There is no need to postpone for later, what can be done today. We had a general consultation this summer, and we were attracted by the fact that they told us very clearly, showed us, answered endless questions, etc. We're gone....they began to think...
And so, on the eve of the New Year, we entered the Housing Balance, which I regret... About not joining earlier... I thank Yulia Simonenko for her professionalism, warm attitude, and openness. I wish all employees good health, well-being and all the best. I hope for a pleasant cooperation
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December 18
We were at a group consultation. We have signed an agreement with the cooperative. We learned about the possibility of buying housing with the help of a cooperative 2 years ago, but did not dare, because there was already a sad experience with a similar topic, which cost money. As soon as a friend told me that, thanks to the cooperative, she already lives in her apartment, they immediately signed up. The consultation took place in 45 minutes. The information is clear and specific. Specialists: Ksenia and Olga are friendly, friendly and professional. During the group consultation, you can ask any questions, which is very important. In an individual conversation, we selected a plan that was suitable for our case, which completely suited us. I liked the cooperative's approach. There is a sense of reliability and security of financial and property. We all wish you successful cooperation and fulfillment of your cherished desire: to live in your own home.
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1
September 26
I have been a member of the Housing Balance cooperative since 2019. Before I bought it, I searched for 2 years for what the catch was. I thoroughly checked all the documents provided by them, requested the charter and other documents, but they bribed with their sincerity and openness.
I want to thank you so much to Nadezhda, she initially gave me hope, after which this hope came true))) After communicating with the support, only pleasant emotions always remain. Keep it up.
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2
3
December 16
After moving to Minsk, I thought about buying my own home, since I don't want to live in rented apartments all my life. A few months ago I saw on Instagram that there is a cooperative Housing balance. After studying the information on the site and watching videos on YouTube about newly-made new settlers, I attended a collective consultation. Then I signed up for an individual consultation and became a member of the cooperative on the same day. Thank you to Julia for her kindness, professionalism and support.
I hope that in a couple of years I will be celebrating a housewarming party.
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1
November 17
I was on a consultation. Everything is very clear. This is a real way to buy a house for whom it was not available before. The conditions in banks are inhumane and you need to go 7 circles of hell! And it's not a fact that something will come out.My friends have already bought an apartment with their help. We are very satisfied. We also decided to sign a contract with my husband. Prosperity of your company. Thank you for making people happier and a little closer to your dream!
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1
2
October 25
I am very glad that I applied to the housing balance 1.5 years ago. Now I have my own apartment, I managed to get it earlier than I expected.
Thanks more to Julia, I didn't even have to think about anything or worry about anything when making it, she explained everything very clearly, helped and it was just a pleasure to interact.
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1
1
November 23
A typical pyramid, and in principle an alternative to a bank loan, except for the FACT that "as soon as people stop going into the pyramid, it will fall at the moment"
, Which is why it is not recommended to visit this organization, since it is very nice that they "help" people to purchase housing, but at one moment everything can instantly end
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7
October 11
I would like to express my Gratitude to the Housing Balance team.For excellent transaction support and full introduction to the business!
Special thanks to Vladislav and his professionalism, who oversaw the purchase of the long-awaited apartment.
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2
August 23
The employees who answer the phone communicate rudely and biased. I have repeatedly contacted them by phone, and each time I have faced the same situation. On the other hand, it is clear who goes to such a position: all adequate people are trying to find a more suitable place of work, so the situation is quite understandable.
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6
May 2
I would like to express my gratitude to the Housing Balance cooperative for the opportunity to purchase their own housing. This is the case when an organization acts in the interests of people and helps them make their lives better. So it's my turn to check in and I'm very happy! The cumulative stage is left behind and now I will pay for the apartment, already living in it, which is very nice!
I would like to express my special gratitude to the employees of the cooperative: for their ability to answer exciting questions in an accessible way and for their patience when not everything was clear the first time.
I also want to express my special gratitude to Igor, the legal adviser, who accompanied my transaction, showed patience and was as involved as possible in the work on the transaction 🙏
See original · Русский
15
2
June 15
I do not advise apartment sellers to contact the Housing balance. We were selling an apartment, potential buyers asked for a deal through the Housing Balance. We agreed at first. And then, before the transaction, a "carousel" began, then on one day the transaction, then the Housing balance specialist cannot and on another day the transaction, then again the transfer to another week, etc., then she has already agreed on the registration of the transaction at the Gomel State Registration Agency and they sent the necessary requests to the RCC, but requests to the RCC missing. There is deception all around. And then the most interesting thing, the Housing balance specialist began to say, we will enter the nth amount into the contract, and after signing the contract, but before signing the act, we will go to the bank, you will cash out part of this amount and give it to potential buyers. We successfully refused a deal with such an "office"!
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18
4
June 13
I thank the staff of the Housing Balance PC in Minsk. I would like to express special gratitude to agent Evgenia for the efficiency, organization and quick transaction of the apartment. Thank you for giving me the opportunity to be closer to my dream!
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4
2
May 6
Thanks to JB, I now live in my own apartment. Overpayments are less than in the bank, the staff are all responsive. If you understand their system well, then all doubts that it is mmm disappear. People who write that this is a pyramid scheme just don't want to dive in and figure out exactly how the JB works. The only thing that scares is the rise in inflation, but it's better than just giving money for rental housing
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16
3
April 30
The Housing Balance is just a godsend! Everything is accessible, clear and understandable! It is better to immediately direct all your efforts and deal with the conditions, so that you do not regret the lost time later!!! Joining a cooperative is the first step towards YOUR future apartment! To your OWN!♥
If there are any questions, they will always help you figure them out! Everything is clear, to the point and without any trick!
Dreams come true!!! Thank you JB for making people happy♥♥♥
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12
3
April 26
Joined a cooperative with her husband in 2019 , accumulated 2 years, moved into their apartment in 2021) There is no limit to happiness)))) We are very glad that there is a Housing balance, because without it the housing issue would not have been solved, since the payments in the bank are crazy and overpayments are also huge!!!! And in 2022 I came to work in the Housing Balance, which I am immensely glad of))) Now I help people to buy their own homes))))
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14
1
April 18
Guys, well, I was at the consultation, I'm generally satisfied.What looks like an oriflame, or there is a worn floor, it is in you (the reviewers) that your stuffiness speaks..no one owes you anything, and there are no freebies in this world.No one is pulling my hair to join.As for me, this is a real, acceptable option to solve the housing issue.All settlement issues can be solved individually, believe me, banks will withdraw three times as much..The best option with housing is to receive an inheritance from a billionaire uncle, or win the lottery..which is most likely a myth and a pleasant dream.In other cases, you will have to strain the rolls.The guys are good, we cooperate!
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16
2
April 24
At the consultation, they tell everything in an accessible language. According to the terms, everything is quite transparent. I am glad that they do not impose anything, but on the contrary, they offer to consider various options, and then only make a decision. A great option for those who do not have a down payment. It will have to wait, but I think it's worth it.
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8
1
March 12
I attended the presentation of the housing balance.Without an initial payment, allegedly, but no, the accumulative system is the same as saving at home, you pay less, the queue is longer, i.e. if I make contributions figuratively for 900 rubles. then I will move in about a year, but! What prevents me from paying 1000 rubles. in the ban and settling in immediately, secondly, I was confused that I had to put money into their account to save up, it resembles a pyramid system.And finally, the amount that is in the bank, which is the same in total, has something to compare with.I do not deny that everything is competently built on brainwashing)
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32
14
April 18
I joined the Housing Balance cooperative, my check-in will be soon. The conditions in the cooperative are very favorable compared to a bank loan. I was consulted at the bank and the payment was more than 2000 rubles, which is a lot, and the payment in the cooperative is less than half. I also compared the overpayments (which is important to me) and was horrified. The overpayment in the bank is 110%, in the cooperative less than 30.
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9
3
June 18
We joined the cooperative in 2019, and bought an apartment in 2020. The transaction was quick and clear. The seller receives the entire amount at once in the bank.
We have been living in our apartment for 4 years and are slowly paying.
Do not waste time thinking, join earlier - buy an apartment faster!
Thanks to the whole team for the great work!
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7
1
April 15
Divorce. I can't describe everything anymore. Just the main points: there you buy an apartment not for money, but for "points" (I don't remember how they called this currency). You buy these points already for money and the rate of the score is set by them and according to some murky scheme. And when buying an apartment, the owner is not you (!), but they. Until you pay the full amount..
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12
September 25, 2023
Some specialists are very intrusive, just too much! There was a feeling that it was necessary to "sell the product" at any price! They just scared me with their obsession! If everything is so cool and cool with them, then why force me to join, if it's not to go to the store for bread, I need time to think and evaluate my capabilities! And one specialist is very obsessive, I explain to her that it is inconvenient to communicate behind the wheel, she further strains! I was very alarmed by this behavior!If everything is so good and wonderful and sweet, then why the rush and crush?!
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6
July 8
Overall a good system, but don't match your words and a little unfair.
You pay 5.3% of the amount that is added to your housing, not 5%. Also, in the same month, you receive 0.5% of the debt amount. The result is a 5.8% overpayment immediately after receiving housing. The most annoying thing for you will be if you make a deal in the last days of the month. You will pay 5.8%, and then another 0.5%. As a result, overpayments will amount to 6.3% in the first month.
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6
April 25
There is no money, and there is no dialogue. Learn to count and calculate ahead. If the bank does not give a loan, then you are here. Everything is on the shelves, accessible and understandable. IT'S NOT A SCAM
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8
1
February 15
I joined the cooperative a year ago, in April 2025, an approximate settlement plan, I am happy with everything, my friends have already settled in, and those who write negative reviews are very sympathetic to you, because you need to believe in something good in life at least
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16
1
October 20
I don't know, I sold them without any problems, and then I tried them and the one who bought them playing checkers
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2
December 16
I found out on the Internet, and through friends, so far everything is fine
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November 28, 2023
From the reviews : there are no real examples that the company is bad (there are no people who were deceived or somehow dishonestly acted , just that opinion . But there are reviews of people who are being built and are happy with everything . I think the company can be trusted.
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5
April 22
When signing a contract to join a cooperative, everyone is polite, but if you want to leave, the attitude is, to put it mildly, "not very", the feeling that they came to beg, and not for their money. Neither can answer normally where to go, the waiting time does not coincide at all with the stated one, although the recording was 2 weeks in advance, if anything. The document was signed and silently shown to the door🤷 Maybe it's good that we solved the housing issue on our own
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13
2
February 4, 2023
A very good organization, over the years of its existence, all questions about its work are thought out to the smallest detail. It's just a pity that I did not start cooperating with them as soon as I found out , but only after 4 years . There is no alternative on the RB market, I advise everyone to "Housing balance" ‼️
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19
1
October 11, 2022
If it weren't for acquaintances, you wouldn't join, you don't inspire confidence. Very strange consultations (like oriflame's). An office, of course, with a stripped floor is also such a thing. And at first it seemed to me that they talked to me on the phone in order to get a "general consultation", then there was no friendly atmosphere and trust on the personal one. But, friends built it - and we went there too. It is also inconvenient that you cannot view your deductions as on the phone balance, it is very inconvenient that the person comes to the mail.
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7
January 21
Very competent staff , polite , and friendly
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12
1
November 28, 2022
Do not get into this, the overpayment is more than 2 times
I was given a 3-room apartment (108,000 bel.r.) for 15 years without a down payment of 1350 rubles per month, that is, 15 (years) multiplied by 12 (months per year) we get 180 months we get 243000 of the claimed 108,000
That's all the math, and where the overpayment of 2.25 times goes, you can find out from their consultant, but even he will come out of this question smoothly and memorized dry
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26
August 19, 2023
Don't mess with me! The overpayment will be huge, but you will be very eloquently told that this is a "profitable installment plan", and not a financial bondage.
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16
8
September 1, 2021
An interesting project. At the consultations, everything is accessible, they tell and explain what comes from where, as it is considered.
During the general consultation, small questions appeared, the answers to which I was able to get personally from the consultant after the general consultation.
A small cozy office, which indicates the minimization of rental expenses (which is very good).
It does not look like MMM: all finances are backed up by a large living area owned jointly by the members of the cooperative.
You can save up yourself, but you need to live somewhere and pay for it, housing and communal services makes it possible to purchase housing at the price of rented housing (yes, during the accumulation period you will have to shrink financially, but it's worth it, because after the accumulation period you will pay the same amount as for rented housing, but already for its own).
The biggest problem remains the disparity between the incomes of most of the population and the price of a square metro (especially in Minsk it is very high), but this is no longer a housing problem.
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9
May 19, 2023
Consultations are on top. Everything is clearly clear and understandable. But there is not enough tea/coffee/water for show)
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3
November 17, 2022
I am very sorry that I found out about the housing balance too late.I have 19 years of living in a hostel, my youth has passed and my sons have grown up.We will definitely be building.
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3
September 15, 2021
A good place, you can hold consultations accommodating a large number of people. They tell everything in a structured way. In clear language with examples. You can immediately sign a contract on the spot. They act strictly according to the rules, and will not delay your time 🙂👍
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4
May 20, 2022
I would like to express my gratitude to lawyers Evgenia and Igor for their comprehensive professional advice in helping to purchase and issue documents for the purchase of an apartment.
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12
4
August 11, 2021
In modern realities, there is a more or less real chance for ordinary people to purchase housing. If you look into it, then everything is quite transparent. Thanks to the specialist girls for the many consultations. The project is interesting and ambitious, I wish you even more development!
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14
3
August 15
Everything's fine
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1
October 30, 2021
More profitable than a loan. Everything was calculated and explained. There are open meetings where you can talk to real participants.
I recommend going for a consultation.
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7
June 17, 2021
The scheme seems to be working. About 13% overpayments + 5% tax on the cost of the apartment, a little more expensive than in the bank.
And it smells like network marketing and a pyramid, because the shabby office, the sellers at the consultation look and speak in some memorized phrases, how pretentious is it all against the background of a cheap office. Therefore, there is little trust.
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15
March 7, 2023
Good company. I was at a collective consultation. I signed a contract.
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