Today Sberbank is one of the leaders in the Russian mortgage lending market. They are offered a wide range of loan programs. The package of documents requested by the bank depends on the type of mortgage.
It is necessary
- - application form for obtaining a mortgage by the borrower and co-borrower;
- - documents confirming the identity of the borrower and co-borrower;
- - documents confirming the financial condition and work experience of the borrower and co-borrower;
- - documents confirming kinship for young families;
- - documents on the real estate object being credited;
- - documents confirming the availability of the first installment;
- - other documents requested by the bank.
Instructions
Step 1
All requested documents can be divided into two groups - those that must be provided during the preliminary consideration of the loan application, as well as those that can be brought to the bank within 3 months from the date the bank makes a positive decision to issue a mortgage. The first group includes an application form for a mortgage, a passport and a certificate of income. If the borrower does not have a registration mark in his passport, then a certificate of registration at the place of stay will also be required.
Step 2
In the most general form, two types of mortgage loans can be distinguished, which are provided by Sberbank - those that require confirmation of income and employment, and those that do not require (the so-called “two-document mortgage”). These types of mortgages differ in the size of the down payment and interest rates.
Step 3
To confirm the financial position of the borrower, various documents can be taken into account. For employees - this is a 2-NDFL certificate, a certificate from the employer. For entrepreneurs - certified in the tax return. For pensioners - a certificate of the amount of the assigned pension. The Bank also recognizes fees and rental income as income. The maximum available mortgage loan amount is determined based on the average monthly income. Upon confirmation of income, you can get a mortgage from Sberbank with a rate of 12% and an available down payment of 10% or more.
Step 4
When considering a loan application, special attention is paid to the length of service of the borrower. In this case, the supporting documents include a copy of the work book or a certificate of work experience, certified by the employer. For part-time workers, a copy of the employment contract can be taken into account, but only if there is a main job.
Step 5
Today "Sberbank" allows you to take a mortgage without documentary evidence of income and employment. To do this, along with the passport, you will need to provide a second document of your choice. For example, a driver's license, a serviceman's identity card, a military ID, a passport, an OPS certificate. A mortgage without proof of income is issued with a starting rate of 12.5%. This requires a substantial down payment - from 40% of the cost of housing.
Step 6
To obtain a loan under the state program "Young Family", you must additionally provide a marriage certificate, a child's birth certificate. To obtain a loan under the program "Mortgage plus maternity capital", a certificate for maternity (family capital), as well as a certificate from the Pension Fund about the balance of funds, are additionally provided.
Step 7
After the approval of the loan application, you can provide documents on the loaned object (certificate of state registration, sales and purchase agreement, etc.), as well as confirmation of the presence of an initial payment (account statement or payment documents). You will also need the results of an independent appraisal of the value of the property.
