According to statistics, only every hundredth Russian can afford to take out a mortgage. Although every eighth can do this. Many do not risk getting involved with a mortgage, because they are afraid to get confused in the complexities of registration.
It is necessary
- identity documents;
- information about income;
- information about the objects that you own;
- military ID;
- educational documents
Instructions
Step 1
Many citizens of the country prefer to take out a mortgage loan from a bank with the oldest history. And that's why they choose Sberbank. In addition, it is in this financial institution that the population is offered the most optimal conditions for obtaining a mortgage loan. In order to apply for a mortgage loan in Sberbank, you need to collect the necessary documents for this.
Step 2
On the bank's website sbrf.ru you can find a questionnaire that you need to fill out in order for your documents to be accepted for consideration. Do not be alarmed that it is compiled on several sheets and designed in such a way as to get as much information about you as possible. This includes personal data, and information about work, and about the composition of the family, and much more. You need to answer as honestly as possible, because any inaccuracy can lead the loan officer to doubt about you. And, as a result, all this can lead to a refusal to issue funds.
Step 3
If you are a member of a salary project at Sberbank, then your task is simplified. Because the bank will not require you to confirm your income. He will simply request all the information he needs from his respective department.
Step 4
Also, in order to draw up an application and submit all the necessary documents, you need to decide whether you will take co-borrowers. If so, the bank will also require them to provide the same list of documents. Do not forget to calculate the age of your co-borrowers as well. After all, the bank will give you funds for a period that will be calculated based on how long your co-borrowers still have until retirement.
Step 5
Then you submit all the documents to the credit officer, and he submits your application for consideration. This procedure takes about 5-7 working days, after which you will be informed what decision was made on your application. Sometimes the bank favors for issuing not the amount you asked for, but much less. In this case, you have the right to refuse to receive a mortgage loan. If the bank decides to give you money in full, then you need to select a suitable real estate object within three months and submit information about it to a financial institution. After the bank itself checks your future apartment, you will be invited to conclude a deal. As soon as you sign the contract, know that the apartment is already yours. Now the main thing is not to forget to pay your monthly payments on time.
