Sberbank of Russia offers a wide range of mortgage lending, designed for various needs of citizens. You can take out a mortgage for the purchase of finished or under construction housing, for the construction of a house, for the purchase of suburban real estate or a garage. Loan term up to 30 years. The bank will provide a loan at 9, 5-14% per annum, depending on the purpose of lending. In this case, the initial payment must be at least 10% of the value of the purchased property.
It is necessary
- Application form, filled out in the form of the bank.
- A photocopy of the passport of the borrower / co-borrower (s) / guarantor (s) / pledger (s), the original is presented.
- Certificate 2NDFL or certificate of income in the form of a bank for the borrower / co-borrower / guarantor.
- A copy of the work book, certified by the employer (when submitting a 2NDFL certificate).
- Documents for the acquired real estate can be provided within 4 months from the date of the bank's decision to issue a loan.
Instructions
Step 1
You can get a mortgage loan if your age is from 21 to 75 years old at the time of the loan. Work experience in the last place must be at least 6 months. People who receive salaries on salary cards of Sberbank are provided with preferential terms of lending (the interest rate has been reduced). Co-borrowers can be involved (the spouse is always a co-borrower). The loan is issued with guarantors.
Step 2
According to Sberbank of Russia, there are the following mortgage loan programs.
“Acquisition of finished housing: Loan for the purchase of finished housing secured by the loaned or other residential premises. Down payment from 10%. The interest rate depends on the amount of the down payment and whether the creditor is a participant in the salary project of Sberbank. In this case, it is 9, 5-14%. Loan term up to 30 years Acquisition of housing under construction: A loan for investment in housing construction secured by a loan or other residential premises. Down payment from 10%. Interest rate 9, 5-14%. Loan term up to 30 years
“Construction of a residential building: A loan for the construction of a residential building secured by a credited residential building or other residential premises. Down payment from 15%. Interest rate 11, 05-14%. Loan term up to 30 years "Suburban real estate: Loan for the purchase of suburban real estate (except for a residential building) under various collateral approved by the Bank. Initial payment from 15% Interest rate 11, 05-14% Loan term up to 30 years “Garage: Loan for the purchase or construction of a garage or parking space under various collateral approved by the Bank. Down payment from 10%. Interest rate 9, 5-14%. Loan term up to 30 years. "Mortgage with state support: A loan for the purchase of a residential building under construction or constructed from a legal entity on the security of a loan or other residential premises. Initial payment from 20%, from 0% in case of registration of other residential premises as collateral. Interest rate 10, 5-11%. Loan term up to 30 years "Refinancing of housing loans: Loan to repay a loan obtained from another bank for the purchase or construction of an apartment or residential building. Down payment 0%. Interest rate 11, 7-13, 5%. Loan term up to 30 years.
Step 3
To get the mortgage itself, you first need to consult with a bank specialist and get a package of forms from a loan officer, then bring the completed documents to the bank and find out after the decision of the credit committee. Next, you should come to the bank with guarantors / co-borrowers / pledgers, sign loan documents and only then get a loan
