Sberbank is the largest bank in the Russian Federation - today it is the main creditor to the Russian economy. Not surprisingly, many families apply for mortgages to him. In order to calculate the Sberbank mortgage loan, you just need to use the calculator provided on the website.
Instructions
Step 1
Decide on a mortgage program to calculate a loan from Sberbank - it can be "Refinancing", "Loans to young families", "Mortgage", "Mortgage +" or "Loan for any real estate".
Step 2
Pay attention to interest rates - the minimum is the "Mortgage +" program, the maximum is "for real estate", but each of them has its own credit conditions, which are somewhat different from the others.
Step 3
Pay attention to items such as purpose, currency, loan term, minimum down payment, and early repayment.
Step 4
Study carefully the basic conditions for the Borrower - you may not be suitable for seniority, minimum age and / or citizenship.
Step 5
Use the mortgage calculator in order to calculate the Sberbank loan, namely its overpayment and monthly payment.
Step 6
Enter in the calculator windows data on the loan term, currency, your down payment, as well as the value of the property you are purchasing.
For example, you are going to buy a one-room apartment under the Young Family program for thirty years. You have twenty percent for the down payment, and the value of the property is one million four hundred and fifty thousand. As a result, the loan amount will be one million one hundred sixty thousand rubles, the overpayment - two million eight hundred sixteen thousand nine hundred and twenty rubles, and you will pay eleven thousand forty-seven rubles a month.
Step 7
Be sure to read the additional program terms and conditions. For example, for the same "Young Family" it is the age of at least one of the spouses up to thirty-five years, an initial contribution of fifteen percent if there is a child in the family, as well as a deferral for a child up to three years old.
