A decrease in the mortgage interest rate in 2018 is available for clients with an inflated interest. Consider the application procedure, registration rules and the sequence of actions.
Sberbank's clients, for whom real estate mortgages have become a heavy burden, can count on lower rates. On questions related to this topic, consultations are available from the bank's loan officers.
What is the reason for the possibility of improving conditions? In 2015, the dollar rose, the ruble depreciated, and oil fell. This led to problems in the financial market and in the banking sector. Since everything has now stabilized, banks are cutting rates.
Ways to reduce the rate
There are several ways that you can help reduce your mortgage interest payments:
· Refinancing through Sberbank;
· Refinancing through another bank or financial institution;
· Debt restructuring with a change in maturity dates, amounts and some other parameters of the contract;
· With the help of social programs, the group of which includes the borrower.
Another way is to go to court if the bank does not meet halfway, and the rates are obviously too high.
List of actions to reduce the rate at the bank
The Sberbank client must go to the bank and write an application. The document notes information regarding the current terms of the contract and the grounds used to reduce the rate.
You can also submit an application through the official website of the bank. Follow the link https://ipoteka.domclick.ru/rate. On the right you will see a form in which you can enter a minimum of data. The bank will send a decision within 30 days. If it is positive, the Sberbank client takes the documents and goes to the branch to renegotiate the contract. You need to take with you a loan agreement, a passport, an original document with a tax number.
Rules to know
Pay attention to the following points:
· Rate revision is possible once a year;
· If the client has already renegotiated the contract on the basis of a rate reduction, subsequently the same opportunity remains for him within the framework of the rules proposed by the bank;
In 2018, clients with a rate higher than 11.9% (with life insurance) or 10.9% (without life insurance) can count on a rate reduction;
· The balance of the debt on the loan is more than 500,000 rubles;
· No delays.
When filling out an application through a bank branch, you can indicate in a note that the client has additional grounds for obtaining a positive decision. This is a serious illness, the loss of a breadwinner, a decrease in wages.
If the rate is too high, but the bank has sent a refusal on the application on the basis of a small balance of debt under the contract or previously recorded delays, the client has the right to go to court.
