The remote customer service system "Sberbank-online" allows you to quickly and conveniently transfer money, open deposits, apply for opening cards and obtaining loans. In particular, bank customers can get approval for a mortgage without going to the office in person.
Where to apply
If you want to get a mortgage loan through "Sberbank-online", go through the main menu of the service to the "Loans" section. On the page that opens, follow the link "Take a mortgage from Sberbank". The system will automatically redirect you to a specialized service of Sberbank - "Domclick".
You can go to "Domklik" in other ways: through the Sberbank website or just type the name in the browser line.
You do not need to register separately for Domclick if you are already a member of Sberbank Online. In this case:
- select "Login through" Sberbank-online "from the menu;
- enter your username and password from "Sberbank-online".
- wait until you receive an SMS message with a one-time four-digit code and enter it in the special field.
- Then go to the section of the site "Mortgage", from which the application will be sent.
How to fill out a loan calculator
First of all, fill out the loan calculator. It must indicate:
- purpose of the loan: for the purchase of "primary", "secondary", construction or purchase of a house, refinancing of a previously taken loan or a military mortgage;
- real estate value - how much is the whole apartment or house. Not to be confused with the loan amount you want to receive;
- down payment - how much you can already pay for the apartment in cash. Should not be less than 15% of the cost of the apartment;
- loan term - the time for which you are going to pay off to the bank (from 1 to 30 years).
Here are a few more questions to answer yes or no to, including:
- do you have a "salary" Sberbank card;
- can you confirm income with a 2-NDFL certificate;
- will you insure your life;
- do you agree to use the service of electronic registration of a mortgage transaction through Sberbank.
The more "yes" you can put here, the lower the loan rate will be.
Based on the entered data, the system will calculate the amount and rate of the loan that can be issued to you.
How to fill out a questionnaire
The questionnaire contains the personal data of the borrower. Problems are unlikely to arise here, since the service prompts every step. In addition, on "Domklik" you can consult an online banking specialist. For this, a special chat works.
What documents to attach to the application
In addition, for the application, you need to upload scanned copies of documents.
Two are strictly required: a passport of a citizen of the Russian Federation and your photo (a selfie is also quite suitable).
The list of other documents varies from the method of generating income:
- Employees must attach an up-to-date copy of their employment record. A copy must first be certified by the employer.
- If you plan to prove your income with documents, you need a 2-NDFL certificate for the past six months. Another option is a certificate on a special form of a credit institution. You need to download it on the bank's website and ask your employer to fill it out.
- If you will not confirm the income, then upload copies of documents (those that you have): military ID, foreign passport, driver's license, ID of a soldier or employee of federal authorities.
- For individual entrepreneurs, you need a tax declaration and a certificate of state registration.
- Families must provide a copy of the marriage certificate.
- If you have minors, you should upload their birth certificates.
After that, with one click, send the application to the bank.
Result
Whether Sberbank will issue a loan will become known within two days. You will be informed about this by SMS and a phone call.
Having received approval, you can safely choose the right apartment or house. If you have already decided on the purchase, then immediately proceed to the agreement with the bank of the real estate object. As with applying for a loan, this issue can be resolved without visiting the office. After receiving a positive opinion from the bank, it remains to conclude a deal and register it with Rosreestr.
