A mortgage is a real opportunity to get your own home without having the required amount of money on hand. Of course, there are many pitfalls in it, including a large overpayment due to interest, as well as rather strict payment conditions. But on the other hand, you can already live in your apartment, and not wait until you accumulate the entire amount.
It is necessary
- - borrower's passport
- - statement
- - documents for the acquired property
- - documents confirming income
- - an initial fee
Instructions
Step 1
In Sberbank, you can get a mortgage for an apartment both in a finished house and in a building under construction. In the latter case, not all objects have financial support from the bank and it is worth asking the developer.
Step 2
To obtain a mortgage, you must fill out an application form, which is located on the official website of Sberbank. There you must indicate all your passport and personal data, place of residence, place of work, as well as property that is already owned.
Step 3
Sberbank often holds different promotions, according to which the documents required from the borrower may differ. For example, the action "Mortgage on 2 documents" implies the provision of a passport and one more document to choose from: a driver's license, a passport, a military ID, an insurance certificate of compulsory pension insurance, a serviceman's identity card. In this case, documents confirming income are not required.
Step 4
In the absence of any special conditions, the borrower's passport is required. If the apartment is purchased by several people, then all passports are required, as well as the documents of the guarantors - if any - will also be required.
Step 5
When obtaining a mortgage, a pledge is required, which can be either the purchased apartment or some other property of equal value. If the collateral is another object, then you must provide the relevant documents for it, your ownership, as well as its estimated value and the notarized consent of the spouse to these actions.
Step 6
If the apartment being purchased is the collateral, then the documents for it can be submitted within 120 days. They also include a sales contract, an extract from the Unified State Register, and the estimated value. If housing is purchased in a house under construction, then a preliminary agreement for the implementation of this transaction is required.
Step 7
It is also necessary to provide documents confirming the borrower's income. This is a copy of a labor book with seals on all pages, as well as a 2-NDFL certificate. In the case of several borrowers, the income of all is needed. The higher the total income, the more the amount on the mortgage can be obtained and the more likely it will be approved at all.
Step 8
In Sberbank, the initial payment for a mortgage can be paid by the parent capital. In this case, a certificate for maternity capital and a certificate from the Pension Fund of the Russian Federation on the balance of funds on the account are provided.
Step 9
When obtaining a mortgage, you can also participate in the "Young Family" program, in this case, you must additionally provide a certificate of marriage and birth of a child.
Step 10
After the approval of the mortgage, it is necessary to make an initial payment, return the documents for the purchased apartment and sign a loan agreement.
