Every day, public television channels advertise the services of various banks to provide mortgage loans for the purchase of a finished home or the construction of a new home. Perhaps this is the reason why the mortgage product has become so popular today. Despite the intense competition among lenders, Sberbank has held the lead in the mortgage sector for several years now. The lender actively implements a whole range of mortgage programs. Proposed financial institution Sberbank loans for the purchase of housing are in great demand among Russian citizens. In this article we will try to break down the procedure for applying for a loan to buy an apartment or house from Sberbank.

What types of mortgages can a Sberbank client apply for?

One of the key factors that explains the reason high level trust in the lender is maximum focus on the client’s capabilities. Since not every person can afford to purchase real estate in new buildings, the bank is actively promoting the following types of mortgage loans:

1. Mortgage for secondary housing. Characterized by moderate conditions. In addition, secondary housing can be included in the mortgage program for young families or issued with recalculation of funds from maternity capital.
2. Purchasing a finished home. The bank's financial specialists noted the growth dynamics of mortgage loans for the purchase of a new home over the past two years. This is due to the fact that the lender currently has the lowest interest rate threshold.
3. Construction of a new house. In this case, the list of conditions is slightly expanded. In particular, the creditor sets requirements for land plot, which in the future should become a construction site.

Note! Regardless of the type chosen, the client will be able to receive no more than 85% of the money from the purchased home. If the application is for housing construction, then no more than 85% of the cost of the materials estimate.

Sberbank offers several types of lending to improve living conditions

How to apply

Mortgages, as a rule, are issued only once in a lifetime, so you need to approach this procedure with full responsibility and motivation.

Instructions for the borrower to apply for a loan to purchase your own “corner”:

1. Detailed analysis of all mortgage programs. Sberbank provides assistance to various segments of the population by providing them preferential terms lending. Or maybe you belong to this category? To check the information, you must go to the official portal of the lender, go to the “get a loan” section and familiarize yourself with the current situation in the mortgage sector of Sberbank. At the bottom of each page there are subsections with conditions, percentages and additional information.
2. Choosing the optimal option. After checking the information about preferential conditions and studying the necessary information about each type of mortgage, you need to choose the most suitable option.
3. Check the conditions with bank representatives. Today this can be done remotely. Number hotline Sberbank - 8800-555-55-50 (free call throughout Russia). You can order both direct communication with a specialist and communication with an answering machine.
4. Collect the necessary information. A mortgage is usually characterized standard set documents, but in some cases the bank may request additional papers. The list is reflected on the Sberbank website.

Note! A mortgage is only available with a down payment; if you cannot pay it, you will have to wait a while with the loan. The initial contribution from Sberbank is 20% of the loan amount.

Mortgages, like other types of loans, are available via the Internet. But experts still do not advise trusting electronic system. There is a risk of missing nuances in the agreement or hastily applying for an inappropriate loan.

Before applying for a loan, you need to study all the bank's offers.

What documents need to be collected

The number of mandatory and related certificates directly depends on the property being purchased. First, let's look at the general list:

1. Statement. This document indicates the type of mortgage, the specific amount that the borrower is counting on, the repayment scheme (annuity and differentiated) and other points.
2. Passport. If there are co-borrowers, then you need to grab a copy of their passports.
3. Documents evidencing labor activity applicant. As a rule, this is a certificate from the place of work.
4. Title documents from the collateral property.
5. SNILS.
6. Medical certificate.

If a loan from Sberbank is issued under various programs, then the applicant, in addition to the required certificates, needs to prepare:

1. A document indicating that the spouses are officially married. It is needed when applying for a mortgage under the “mortgage for young families” program.
2. Certificates of income of parents or other relatives. Required when the borrower wants to add the income of specified persons to the solvency.
3. A copy of the agreement with construction company, which will be engaged in the construction of a residential facility. This certificate may be asked if the borrower plans to take out a mortgage to build a new home.
4. Documents reflecting the estimate building materials. Also necessary when building a house.
5. Help from Pension Fund, indicating the amount of the balance in the maternity capital account. Required when the applicant participates in the “mortgage plus maternity capital” program.

Sberbank offers favorable conditions to its clients

What conditions are provided?

Mortgage lending from Sberbank combines several types of targeted loans. When registering each type, the client must comply with certain conditions. Despite the fact that lending is differentiated by target features, the main points are the same for all types of mortgages.

List of conditions that must be taken into account by applicants:

1. The minimum amount of the loan to be paid is not less than 300 thousand rubles. This condition applies to all types of mortgages.
2. Entry fee 20%. When purchasing a new home, the purchased apartment or house remains at the disposal of the bank until the client finally closes his credit obligations. The start-up fee largely protects the bank’s funds from force majeure circumstances. For example, the inability to pay a mortgage causes the purchased home to be transferred back to the bank. The lender sells the property at auction, and the remaining amount from the sale is covered by the start-up capital.
3. Securing a mortgage provided in the form of collateral. Mortgaged property must be insured. Insurance provides compensation for damage to property. If a residential building serves as collateral, then Sberbank obliges to insure not only the building itself, but also the land on which it is located.
4. The loan is available for up to 30 years. This is the limit that most modern credit institutions use. The longer the lending period, the greater the overpayment (you need to remember this).
5. Amount of credit. average value no more than 75% of actual cost purchased housing. Only military personnel can count on more. According to the specialized program " military mortgage» they have access to a loan of no more than 90% of the mortgage cost.

The following list reflects General terms. They must be observed in mandatory so that the client can receive without delay targeted loan. Can additional conditions be imposed? They are established for participants in the “mortgage for young families” or “mortgage plus maternity capital” programs.

For example, for applicants who plan to cover start-up costs (down payment) from maternity capital funds, it is established additional condition, according to which the client, no later than 6 months from the date of accrual of mortgage funds, must contact the pension institution with an application to transfer the required amount to the lender’s details.

The purchased property serves as collateral for the mortgage

What percentage should you expect?

Sberbank does not like to change interest rates frequently. The lender changes interest rates depending on the capabilities of clients and the general economic situation. It is noteworthy that such a factor as own profit is taken into account by the lender last.

The average percentage for secondary housing for clients who do not participate in any program is 9.5%.

It is this benchmark that ordinary Sberbank clients should rely on for their capabilities. Another 1% is added to this figure if the client refuses life insurance. In addition, applicants whose payments are linked to accounts in other banks will receive another 0.5%.

Why do they refuse?

Incorrect accounting of one’s own capabilities, lack of security, low level monthly income, damaged credit history are the main factors influencing the unsatisfactory response from Sberbank. But let’s make a reservation - these are only the main reasons indicated by various experts and Sberbank representatives themselves.

On practice credit department digs even deeper, trying to get to the truth and, like “Nostradamus,” predict a person’s actions. The so-called “hidden reasons” become the main obstacle to establishing mutually beneficial relationships. Therefore, if you had a stable income, an excellent history and a decent collateral, then when you receive a refusal from Sberbank, it is not recommended to waste time finding out the reasons. Most likely, the bank employees, out of their own convictions, decided to refuse to issue a loan. The only logical way out of this situation is to apply to an alternative bank.

Different families prefer to find a solution to their housing problem in a variety of ways. Some people save the required amount all their lives, others borrow from friends and relatives, and some still decide to have a credit relationship with a bank. The latter method has become quite accessible today thanks to the willingness of financial institutions to meet the consumer halfway, which is reflected in a wide variety of credit products. In 2019, quite affordable loan terms are offered by Sberbank, one of the country’s largest lenders.

Selecting a program

It is no secret that most of the loan proposals at the Savings Bank are implemented today with the support of the state. This is due to the state’s intention to support citizens who acutely feel the need to improve their living conditions. Which product to choose will depend on many factors, which we propose to consider in more detail.

Housing in new buildings

Promotional offer for this species lending was valid until the end of June 2017. Currently, there is no such program in the bank’s product line. Conditions that were in force at the time of the promotion:

• entry fee – 15%;
• term – up to 30 years;
• rate – 11.5% in national currency;
• issued without confirmation of existing income, but the down payment increases to 50% of the cost of the purchased housing;
• amount – from 300 thousand.

Important: the specified rate is retained only when taking out insurance, as required by the bank. Otherwise, the rate will increase by 1%.

To sign an agreement, borrowers who already receive salaries through Sberbank only need to have their passport with them. You can fill out the application form.

Mortgage with government support

You can also get a loan from Sberbank for real estate with government support. IN financial institution launched new program for families who will have a second and/or third child during the loan servicing period. We are talking about the period from January 1, 2019 to December 31, 2022. The offer itself is limited to the same dates. Conditions:

• fee upon registration of the contract – 20%;
• lending period – 30 years;
• rate – from 6%. At the same time, the preferential rate is valid in the first three years of lending after the birth of the second, or in the first five years after the birth of the third child. After this period, the base rate increases to 9.5% per annum;
• amount – starting from 300 thousand.

At the same time, there is no commission for registration of the contract, but registration of insurance is mandatory. If the annual renewal insurance policy will be violated, the rate will increase to 13%.

The maximum loan that can be obtained under the program is 8 million rubles if we are talking about housing in Moscow and St. Petersburg or their regions, and 3 million if real estate is purchased in other regions. At the same time, speech in in this case This is only about the primary market. Submitting an application is possible online.

Requirements for the applicant:

• age – 21-75 years;
• work experience of at least six months at the last enterprise;
• availability of guarantors.

You can also get a loan using maternity capital.

"Young family"

Today, young families can count on a loan to purchase housing from Sberbank on preferential terms. Important conditions: at least one of them must be no more than 35 years old, and one of the spouses must have a permanent place of work. In addition, the bank will have to document the formalized relationship, otherwise the family will not be able to take advantage of the offer. Conditions:

• loan term – up to 30 years;
• rate – 8.9% per annum;
• down payment – ​​from 20%.

Please note that the higher the initial deposit, the lower the percentage the borrower can expect. At the same time, the rate of 8.9% will remain only when the young couple contributes 50% of the cost of housing. You can apply

Housing under construction

In this case we are talking exclusively about the primary market. The basic conditions look like this:

• amount – from 300 thousand;
• rates – from 7.40% under the subsidy program; from 9.40% – basic;
• issued for a period of up to 30 years;
• down payment – ​​from 20%;
• Providing proof of income and employment levels is optional.

Under this program, borrowers have the opportunity to purchase residential square meters, including in the secondary market. There is no commission for registration of contractual relations and no insurance. The refund period is limited to 15 years. The loan is secured by the housing being financed.

Construction loan

Another equally attractive program is provided for those who intend to build their own home. In this case, all applications are considered individually. On special conditions young families can count on. It is important to remember that the down payment starts from 25%, and any other housing available to the borrower can serve as collateral.

Registration of insurance is mandatory, and the premium to the rate depends on whether the borrower is a client of the bank.

All of the programs listed are designed exclusively for citizens of the Russian Federation.

5 rules for a comfortable mortgage: Video

In 2019, Sberbank offers a whole line of mortgage loans. Among them:

• √ Mortgage with state support, under which a loan is provided for the purchase of housing under construction or housing in a finished new building;
• √ Mortgage loan for the purchase of finished housing (apartment, residential building or other residential premises on the secondary real estate market);
• √ Loan for the purchase of housing under construction (apartment or other residential premises on the primary real estate market);
• √ Mortgage plus maternity capital (maternity capital funds can be used for down payment or parts thereof) and others.

Here we will look at the conditions and interest rates of Sberbank mortgages for the purchase of housing on the secondary market. See primary loan rates

How to reduce interest on a Sberbank mortgage

Today, Sberbank offers several opportunities to reduce the interest rate on a mortgage compared to the base value.

• > Firstly, the percentage is reduced subject to registration of the service electronic registration transactions.
• > Secondly, now you can reduce the rate if you choose to buy ready-made housing as part of the “Showcase” promotion. The apartments are presented on the DomClick portal, a service for purchasing real estate created by Sberbank. The promotion applies to apartments marked with a special “Online Approval” badge. These are real estate properties that have already been verified by Sberbank, which can be approved online without providing the bank with an extract from Rosreestr. To take advantage of the offer, you must receive positive decision for a Sberbank mortgage, choose an apartment on DomClick and send it for approval through the service.
• > Thirdly, the bank today issues mortgages with state support for families in which a second or third child was born from January 1, 2018 to December 31, 2022.

The amount of interest rates on Sberbank mortgages, reduced as part of the promotions, is indicated below.

Sberbank: mortgage for secondary housing in 2019

Today, Sberbank mortgage loans for the purchase of finished housing are issued in rubles, and in an amount of up to 15 million rubles. a loan can be provided without proof of income and employment (according to two documents). True, this amount applies only to real estate in Moscow and St. Petersburg; in other regions it amounts to 8 million rubles.

Sberbank mortgage for finished housing: conditions in 2019

> Minimum amount: 300,000 rubles;

> Maximum amount: must not exceed the lesser of two values:

• - 85% of the contractual value of the residential premises being financed;
• - 85% estimated value loaned or other residential premises registered as collateral.

> Duration: up to 30 years;

> Down payment: from 15%;

Mandatory insurance of the property pledged as collateral (except for the land plot) against the risks of loss/destruction, damage in favor of Sberbank for the entire term of the loan agreement.

Sberbank mortgage in 2019: interest rate for secondary use

For salary clients including taking into account the electronic registration service:

As part of the "Showcase" campaign

Without the "Showcase" promotion

Allowances:

0.2% - with a down payment of 15% to 20% (not including the upper limit);
+0.1% - if you refuse the “Electronic Registration Service”;
+ 0.3% - if you do not receive a salary from Sberbank;

Interest rates on Sberbank mortgages for 2 documents

These rates in rubles and foreign currency are valid for clients who have not provided proof of income and employment in the case of a down payment of 50%, taking into account the “Electronic Registration Service”.

As part of the "Showcase" campaign

Without the "Showcase" promotion

Allowances:

1% - upon refusal of life and health insurance of the borrower in accordance with the requirements of Sberbank.

Who can count on getting a mortgage from Sberbank?

Today the Security Council of the Russian Federation is quite strict with potential borrowers.

Age. Citizens of the Russian Federation over the age of 21 can get a mortgage from Sberbank for secondary housing. It is only important that the age at the time of repayment of the loan does not exceed 75 years (65 years if the mortgage is without confirmation of income and employment).

Experience. You must also have at least 6 months of work experience at your current place of work and at least 1 year of total work experience over the last 5 years (n and this requirement does not apply to Sberbank salary clients).

No more than 3 people can act as co-borrowers on the loan. individuals, whose income is taken into account when calculating maximum size loan

It is also important to confirm your financial status and employment. To convince the bank that you can return the money received on time, you will have to collect a whole package of documents.

Documents for a mortgage in Sberbank: list

To consider a loan application for a mortgage loan for finished housing, you must provide the bank with the following package of documents.

Without proof of income and employment:

• > borrower application form;
• > borrower’s passport with a registration mark;
• > second identity document (optional):

Driver's license;
- military personnel identification card;
- employee ID card federal bodies authorities;
- military ID;
- international passport;
- insurance certificate compulsory pension insurance.

The mortgage rate can be reduced if you collect a more complete package of documents, that is, confirm income and employment. For this you will need:

• > borrower/co-borrower application form;
• > passport of the borrower/co-borrower with a registration mark;
• > a document confirming registration at the place of stay (if temporary registration is available);
• > documents confirming the financial condition and employment of the borrower/co-borrower (See full list in pdf format).

If another property is pledged as collateral for a loan:

• > documents on the provided collateral.

Documents that can be provided after approval of the loan application:

• - documents on the residential premises being financed (can be provided within 90 calendar days from the date of the Bank’s decision to issue a loan);
• - documents confirming the presence of a down payment.

See also at what percentage you can get a mortgage today from Rosselkhozbank >>

How to get a Sberbank mortgage for finished housing

Now that we have found out the basic conditions and interest rates of a Sberbank mortgage loan for ready-made real estate, you can understand the intricacies of the loan application process itself.

Step 1. If you plan to buy an apartment using borrowed money Sberbank, first, soberly calculate your financial opportunities. Remember that the loan is taken not for one year, but for long term. During this time, your income may change either up or down. Therefore, calculate the loan for mortgage calculator. For detailed calculations, it is better to use the calculator on the official website of Sberbank. But preliminary calculations can be done using our online mortgage calculator.

Mortgage calculator

Step 2. Submit your application to mortgage through the Internet. You can do this on the DomClick website from Sberbank. There you can register in personal account, consult with a specialist via chat and even get mortgage approval directly on the website.

Step 3. Choose an apartment. You can also do this on the DomClick website, where a wide range of ready-made apartments is presented. But you can look for housing yourself on classifieds websites or with the help of realtors.

Step 4. Complete the deal. If possible, it is better to do this using the “Electronic Registration Service” from Sberbank. Sign loan agreement and you can send documents for registration this way even without visiting Rosreestr or the MFC.

Is it possible to use matkapital for a down payment?

By purchasing finished housing on credit with the help of Sberbank, you can use maternity capital funds for the down payment (or part of it). The basic conditions and rates of mortgage programs do not change. You only have to take into account a few nuances. In particular:

1. The purchased residential premises must be registered as the property of the borrower or the common property shared ownership spouses and children (optional);

2. Clients who do not receive wages into an account opened with Sberbank must provide documents confirming their financial condition and employment when applying for a loan;

3. Within 6 months from the date the loan was issued, you must contact the Pension Fund branch Russian Federation to transfer maternity capital funds to repay loan debt.

Documents for a Sberbank mortgage for maternity capital

To obtain a loan under the “Mortgage plus Maternity Capital” program, the following additional documents are provided in the basic package of documents:

State certificate for maternity (family capital);

Document from the Pension Fund of the Russian Federation on the balance of maternity capital (Valid for 30 calendar days from the date of issue. Can be provided within 90 calendar days from the date of the Bank’s decision to issue a loan along with documents on the property being financed).

Mortgage with state support for families with children

This is a new program state support on a mortgage for families in which a second or third child was born from January 1, 2018 to December 31, 2022. Issued for the purchase of finished or under construction housing.

Conditions

Duration: from 1 year to 30 years;

Minimum amount: 300,000 rubles;

Maximum amount: 8 million rubles (in Moscow, Moscow region, St. Petersburg and Leningrad region) / 3 million rubles (in other cities and regions of Russia);

Down payment: 20% of the property value.

Interest rates for mortgages with state support for families with children

Rates are subject to insurance. Mortgages with state support for families with children are not provided without life and health insurance for the Borrower!

Using a Sberbank mortgage loan for housing, you can get your own real estate in the shortest possible time. favorable rates. The variety of programs allows you to choose the most optimal option.

Loan for the purchase of housing in Sberbank

Sberbank helps solve one of the most pressing problems for young and not so young families - housing issue. Mortgage lending in this financial institution is provided in several areas. Using this approach, borrowers, having assessed their capabilities and compared them with their main goals, can choose the only right option for themselves.

Available options

Programs mortgage lending from Sberbank are designed for the purchase of any type of living space: from housing under construction to country house. The following types of programs are currently available:

• Purchasing real estate in a new building;
• Purchase of finished housing;
• Purchase of housing under construction;
• Mortgage using maternity capital funds;
• Mortgage loan for building a house;
• Country estate;
• Military mortgage.

As part of the campaign, which is carried out by Sberbank to help young families, you can purchase an apartment with a mortgage at a rate set at 11.25% per annum.

The loan term under this program is up to 30 years. You can become a participant in the program by making a down payment of 20% of the cost of the purchased home.

Apply for a mortgage new apartment under the most low rate at Sberbank is available only if the loan is secured with collateral - other residential space owned

country estate

Under this program, it is possible not only to purchase or build a residential building, but also a summer house or garden plot. Down payment from 25%.

If necessary, you can purchase a plot of land or any other buildings for consumer purposes. Each application is considered individually.

Key characteristics of the home purchase program:

• The loan amount starts from 300 thousand Russian rubles.
• Sberbank housing loans are issued without commission.
• Clients who receive wages into an account with Sberbank have the right to count on preferential terms for receiving a loan.
• To increase the loan amount, it is envisaged to attract borrowers.

The rate on the proposed loan for the purchase of a home is 11.75% per annum. Its level was set on February 20, 2017.

enjoy credit funds under the mortgage program it is possible for 30 years - this is the maximum term of the contract.

Features of mortgage lending

It would be correct to submit a loan application to purchase a home if you do not have any debts to Sberbank or other banks. Otherwise, it will be difficult to fulfill loan obligations in good faith, which will affect credit history and contractual relations with the bank.

Conditions of registration

The terms of a loan for the purchase of a home from Sberbank vary depending on the chosen program. But they are all subject to the same requirements for the borrower. Here is their list:

• Minimum loan size from 300,000 rubles;
• Loan term up to 30 years;
• Rates depend on type mortgage program from 11.0 to 12.5% ​​per annum.
• Available for young families preferential lending, no additional fees.

Military mortgages are specially designed for military personnel and NIS participants. The loan allows you to obtain ownership of finished housing worth no more than 2 million rubles at favorable interest rates.

Families with a maternity capital certificate can get a mortgage for finished or under construction housing. Certificate funds can be used for a down payment or to pay off a debt.

Requirements for borrowers

• Age from 21 to 75 years on the date of full repayment of the loan.
• Work experience of at least 6 months at the last place of work and at least 12 months in total length of service over the past 5 years.
• It is allowed to attract no more than 3 co-borrowers.

In addition to the minimum requirements, you must provide a package of documents to complete the application. Required documents include: passport with permanent registration, loan application, second identification document of your choice, documents about financial condition and employment.

Additionally, other documents may be required as directed by the bank. It is possible to submit an application without confirming your main income and main place of work.

Conclusion

Sberbank's profitable housing loan programs allow you to buy almost any type of real estate. Simple conditions lending and reduced interest rates for the purchase of housing will help you purchase living space without special costs and investments. An additional bonus There will be no commissions and short processing times for the application.

At the moment in the Russian Federation the population's need for housing is not satisfied. Residential real estate continues to be one of the most sought-after assets, while also providing liquid collateral for lenders.

On the other hand, the cost of housing is so “lag behind” the level of wages that it is impossible to accumulate the necessary sum of money almost impossible. In addition, an unbalanced situation in the labor market does not guarantee stability living wage and consumer basket. In such conditions, young families (they are the ones who especially need housing) are forced to rent apartments, paying money “for nothing.” However, there is an alternative solution in this situation. It is offered by Public Joint-Stock Company"Sberbank of Russia".

What is a mortgage?

This is a loan that is issued against the security of the purchased home. The ownership of the house or apartment belongs to the buyer, but transactions with the purchased real estate are restrictive due to the mortgage. The encumbrance is removed after payment of the loan amount in accordance with the terms of the loan agreement.

Until recently, loans were actively issued for primary housing - a newly built and put into operation facility that had not previously been used. But over time, the secondary housing market has gained high popularity among financial structures. Currently, houses and apartments purchased not from developers, but from owners, have become one of the most liquid (attractive from the point of view of guaranteed and quick sale) types of collateral.

Loans for the purchase of residential real estate are offered different banks. But the Savings Bank enjoys great trust among borrowers and mortgagors. For young families planning to purchase housing on the secondary market in 2017, Sberbank offers an excellent solution: a mortgage loan with a rate of 12.5% ​​per annum. To learn more about the cost of a loan, you can use Sberbank’s online calculator and make the necessary calculations yourself.

Conditions for issuing mortgage loans at Sberbank PJSC

First of all, it should be noted that a mortgage is a targeted loan, i.e. cash are issued specifically for the purchase of a finished residential premises - an apartment or a house. It should be noted here that not all houses are suitable for the mortgage lending program, but in any case, this credit product intended for purchasing real estate only on the secondary housing market.

The amount of a mortgage loan from Sberbank starts from 300,000 rubles, the maximum loan repayment period is 30 years. The amount of the down payment (15% of the total housing price under the contract) is sufficient to obtain a mortgage.

The terms of the mortgage program from Sberbank provide for promotions for young families. In particular, the bank is loyal to the borrower’s insurance program and the package of documents provided. However, the size of the interest rate premiums depends on these parameters. The basis for their accrual is the following positions, respectively:

• lack of confirmation of income (+ 0.5 percentage points);
• refusal of the borrower from the health and life insurance program (+ 1 percentage point);
• the borrower does not use salary card and a current account opened with Sberbank (+ 0.5 p.p.).

Most low percentage for a mortgage - 12.5% ​​- provided provided that the amount of the down payment is at least 50% of total cost housing. At first glance, the size of 1 installment may be alarming, but if you calculate how much you can save on interest, then a completely harmonious scheme emerges. Moreover, the first payment actually goes to pay part of the cost of the house, and thereby actually reduces the amount financial obligations in front of the bank.
The conclusion is obvious: to get a mortgage loan from Sberbank for favorable conditions, the following requirements must be met:

1. open salary cards in this bank;
2. enter into a life and health insurance contract with an insurance company;
3. officially confirm income (provide a certificate in Form 2 of personal income tax).

The procedure for obtaining a mortgage loan from Sberbank

Before submitting an application for consideration by the credit committee, you must create a package of required documents. The basic information in it should reflect the description, technical characteristics and address details of the purchased property. This includes:

• contract of sale;
• technical certificate;
• independent assessment of market value;
• a document confirming the amount of the first payment for housing.

At the request of the bank can be requested additional documents. In addition to documents for the property, the borrower provides a passport, TIN certificate, document on family composition, and income. A package with the specified documents is submitted along with the application for a loan. loan officer to the bank. The loan application is reviewed by the credit committee, and no later than 3 days after the application is approved, the decision is communicated to the client, who must come to the bank to sign the loan agreement.

After completing all the necessary formalities, the amount of money approved by the credit committee is transferred to the account of the property seller. Next, the ownership of the acquired property, encumbered by virtue of a mortgage, is registered in Rosreestr.

What are the advantages of a mortgage from Sberbank?

According to experts financial market, the advantages of a mortgage loan for the purchase of housing from Sberbank are obvious. First of all, this is an opportunity for young families to buy housing. If the borrower provides all documents and certificates, the interest rate will be minimal.
At the same time, without confirming income, you can receive an amount of up to 15 million rubles. It is also important that the bank does not charge any commission fees. If the amount approved by the bank is not enough to purchase a house, then under the terms of the agreement you can attract solvent and responsible co-borrowers. Moreover, each loan application is considered on an individual basis.

For employees of companies accredited by Sberbank, preferential lending conditions are provided if they wage transferred to cards issued by Sberbank. In addition, the bank provides a choice of credit cards:

• personalized (limit 200 thousand rubles);
• non-personalized (limit 150 thousand rubles).

Depending on needs and size permanent income customers can take advantage of the bank's offer and apply for a credit card.

For residents of Moscow and the Moscow region in the coming year, the bank
offers a mortgage loan up to 15 million rubles. A certificate of income is not required. According to the terms of the agreement, 50% of the cost of the purchased property will have to be paid as a down payment. For other regions of the Russian Federation, the upper limit of the loan will depend on the location of the housing (but not more than 8 million rubles).

Special offers from Sberbank

When applying for a mortgage, you can use " Maternal capital", confirmed by a standard certificate. The certificate can also be used to repay the loan partially or in full.

In addition, the borrower can issue tax deduction for personal income tax (in total no more than 260 thousand rubles), and dispose of this amount at its own discretion. You can learn more about the bank's products and promotions by contacting any of the existing offices.