Almost every family is faced with the issue of improving housing conditions. Realize the dream of having a separate housing can help Sberbank mortgage. Individuals are offered a variety of programs to choose from. Consider how beneficial their conditions are and whether it is worth registering a mortgage there.
Loan programs
Mortgages at Sberbank can be obtained for the following purposes:
- acquisition of an apartment or a share in an apartment in new buildings and in the secondary real estate market;
- purchase of suburban real estate;
- buying an apartment in a house or townhouse under construction;
- purchase of a summer house, land, garage, garden house;
- military mortgage in Sberbank;
- construction of a private house;
- repayment of a housing loan in another bank.
Depending on the program for obtaining a mortgage at Sberbank, the terms of lending vary. Most programs have the following options:
- loan term up to 30 years;
- minimum initial investment - 20-25% (depending on the mortgage program);
- loan amount from 300 thousand rubles .;
- interest rate - 11.4-14.5% per annum;
- loan security - real estate pledge or guarantee;
- collateral insurance is required.
A mortgage is possible without a down payment at Sberbank in two cases: when using maternity capital and when loan refinancing in another bank. Maternity capital funds are allowed to be used as a down payment for all programs for the purchase of new and secondary housing.
In addition, there is a mortgage in Sberbank PJSC, the interest rate on which is from 11.4% per annum. This is a program with state support for the purchase of an apartment in a new building or a house under construction.
There is another possibility of obtaining preferential conditions when applying to Sberbank - the “Young Family” mortgage. This is an addition to existing programs for young couples, where at least one of the spouses is not older than 35 years. For this promotion, a loan is available with a reduced interest rate and down payment. And if such a family has a certificate for obtaining maternity capital, then a mortgage without a down payment at Sberbank is also possible. Not all banks provide this opportunity.
How to get?
A mortgage at Sberbank is issued after passing the regulated approval process. It includes the following steps:
- Filling in the application form and collecting a package of documents;
- An appeal to the branch of Sberbank to submit documents for consideration;
- After obtaining preliminary approval, the collection of documents on the acquired property;
- Coordination by the bank of the possibility of obtaining a loan;
- Signing a loan agreement and other necessary documents, pledge insurance;
- Submission of documents for state registration to the authorities of Rosreestr;
- Getting a home loan.
After that, you can celebrate a housewarming party.
How much to pay?
Sberbank offers to calculate the amount of the mortgage on its official website or in bank branches. The online calculator allows you to calculate the required loan amount, family income or monthly payment. For a more accurate calculation, you can include additional income, a pension, and even add a co-borrower.
Package of documents
The borrower must prepare a package of documents, which includes:
- loan application form on a standard form;
- documents confirming the relationship of co-borrowers;
- copies of passports of all those included in the calculation of solvency;
- certificate of registration at the place of stay (for customers with temporary registration);
- any second document from the established list;
- for men of military age - military ID or registered certificate;
- certificate of employment;
- documents on financial condition;
- Marriage certificate;
- birth certificates of all children;
- documents from the RF PF confirming the balance of the parent capital;
- certificate for funds MSC.
Documents for the acquired property:
- preliminary documents for the sale;
- copies of documents confirming the ownership of the seller;
- copies of title documents for the acquired property;
- document from Rosreestr confirming the absence of encumbrances;
- report of an independent appraiser on the market value of real estate;
- consent of the spouse (s) to register the property as a pledge;
- a client's notarized statement that he is not married;
- permission of the guardianship authorities, if children are registered in the mortgage property.
Documents for mortgaged property:
- copies of certificates of state registration of ownership of this property;
- copies of title documents;
- report of an independent appraiser on the market value of real estate;
- certificate of absence of encumbrances;
- copies of cadastral and technical passports;
- notarized spouse's consent for registration of real estate as a pledge;
- statement of the client that he does not have a registered marriage.
Documents for a private house and land:
- copies of sellers' title deeds;
- copies of passports of sellers;
- title documents;
- independent valuation of property;
- extract from the Unified State Register that there are no third-party burdens;
- copies of cadastral and technical passports of the land plot, home, construction in progress;
- statement of the client, if he is not married;
- the consent of the spouse (s) to transfer the land plot and all the objects on it as a pledge;
- permission of the guardianship authorities for the transaction, if there are minor children.
Borrower Requirements
Sberbank mortgage to individuals is issued only to those who satisfy certain requirements. Age must be at least 21 years old and not older than 75 years. If income is not confirmed by established documents, then the maximum age is 65 years. To apply for a loan under the program of PJSC Sberbank mortgage "Young Family" one of the spouses must be younger than 35 years old.
The total length of service must be at least one year, in last place - at least six months. There are no seniority requirements for salary clients. Men under 27 years old should not be subject to draft.
If the calculation of solvency takes into account the income of parents and co-borrowers, they must also comply with the above conditions.
Property Requirements
A mortgage in Sberbank is possible for the acquisition of real estate, to which certain requirements are presented.
The building in which the apartment is located must meet the following criteria:
- foundation of reinforced concrete, brick or stone;
- condition suitable for living, non-emergency, wear no more than 40%;
- maximum age - 45 years;
- located in settlements with existing bank branches;
- floor slabs reinforced concrete, metal or mixed;
- five or more floors;
- the house is not a barracks or wooden type.
Requirements that the apartment must meet:
- cannot be pledged;
- obligatory state registration of ownership of the apartment;
- redevelopment is officially authorized and executed by the relevant authorities;
- separate kitchen and toilet;
- plumbing, windows, doors, roof in good condition;
- the heating system of the entire apartment can be gas, steam, electric;
- connected water supply and sanitation systems;
- the floor is neither basement nor basement.
Requirements for a residential building with a plot of land:
- state registration of property with permitted use for summer cottage construction or individual housing construction;
- must not be pledged;
- the house should be located in a village with developed infrastructure;
- the possibility of living all year;
- nearby residential buildings;
- availability of communications, water supply, heating and constant electricity;
- access road throughout the year;
- the foundation is cement, brick, stone or reinforced concrete;
- registration of all incomplete objects in the BTI and the Fed.
Use of maternity capital
Maternity capital funds can be used to pay the down payment and to repay loan debt. Matcapital must be credited within 6 months from the date of loan. Children of the borrower must receive a share in the acquired property.
Mortgage Benefits at Sberbank
Mortgage in Sberbank has several advantages. It is possible to obtain a mortgage without proof of income, there are no hidden fees. There are preferential conditions for young families, there is the possibility of attracting co-borrowers. Long term of the contract, there are individual conditions for salary clients.
For a profitable purchase of real estate mortgage in Sberbank is quite suitable. Lending conditions are quite attractive.
