The mortgage in Sberbank is provided on mutually beneficial terms with a convenient payment schedule and a minimum of overpayments on the loan. This is how the organization attracts a large number of the population. You can get a loan in a short time according to an individually selected program.
Instructions
Step 1
Ask the manager at the bank branch what programs for the purchase of housing are currently in place. Depending on this, choose the appropriate option.
Step 2
Gather the information you need for a specific mortgage program. Find out if there is a need to attract co-borrowers, whether the personal income tax form is enough or you need to provide other documents from the last place of work. Make photocopies of your passport pages. Talk to a specialist, he will draw up a preliminary payment schedule for the specified loan amount.
Step 3
Find a place to live. This is necessary, since when you draw up a contract for the sale of a house or apartment with a mortgage loan, you will definitely need to indicate your address and enter information about the assessment of the home in the document. Bank employees do this.
Step 4
Prepare the necessary documents for the purchase of housing and take them to the bank. There you should be told how long it will take to verify the information. After receiving approval, the bank will send an appraiser to your future place of residence, who will make a conclusion on the value of the apartment or house.
Step 5
Insure the property, this is done simultaneously with the conclusion of the purchase and sale agreement, even at the stage of registration of the mortgage. You will have to pay the required amount for insurance.
Step 6
Open a safe deposit box in your organization. Sberbank obliges customers to open new savings books for all types of mortgage lending in order to transfer funds in the future to the bank's account for using a mortgage loan. The required amount will be put in the cell, you will withdraw it yourself or give the keys to the seller. And from the savings book you will pay monthly installments to the bank, having previously replenished it.
Step 7
Sign the contracts, there are two of them, and as many copies as the parties are indicated in the document. One copy remains with the bank, the second with you and the third with the seller. You need to study all the points, especially pay attention to the order of payments and the responsibility of the parties, as well as penalties for non-payment.
Step 8
You do not need to notarize the contract, after the sale and purchase agreement is drawn up in the registration chamber, you can transfer the money to the seller in full.
