DomClick is a specialized site created by Sberbank for mortgage borrowers. Here you can apply for a loan and a housing deal. Thanks to this, you only need to come to the bank office to sign the contract. Also on the site they advise on all "mortgage" issues, help to choose an apartment or house and provide a number of other useful additional services.
How to start working with the service
They go to DomClick directly through the main Sberbank website or the Sberbank-online Internet bank. There is a corresponding smartphone application that is downloaded from the App Store or Google Play.
To receive a loan through DomClick, you need to create your personal account. It takes a couple of minutes. Another option is to go through Sberbank-online. In this case, registration on the "mortgage" service will take place automatically.
Service capabilities
Making a mortgage through the site actually replaces a visit to the bank. The user can:
- get information about which mortgage programs of the bank and under what conditions are available to him. Find out if the bank's age, income level, etc; meet the requirements of the bank;
- consult with Sberbank employees through a special chat, which can be accessed in your personal account;
- apply for a loan, send all the necessary documents in electronic form;
- pick up primary or secondary housing in your city;
- find a real estate agency among those with whom the bank cooperates.
In addition, on "DomKlik" you can order paid services:
- legal and express examination of housing. This may be necessary to make sure that the house or apartment is "clean";
- appraisal of the value of the property you are interested in;
- urgent extract from the Unified State Register of Rights (USRN);
- residents of Moscow and the Moscow region can order a housing overhaul at a discount.
What mortgage programs can you use
- Buying a finished home;
- purchase of an apartment in a new building;
- buying a country house;
- home construction;
- refinancing a mortgage loan previously taken from another bank;
- military mortgage;
- mortgage with state support for families with children.
How to get a loan through DomClick
Before placing an application, find out the list of required documents and prepare them. For example, you should draw up a certificate of your income and a copy of your work book from your employer. After that, you can go directly to the application.
- Calculate the parameters of the future loan using a special calculator. You will find it on the main page of the site. Make sure you are happy with the bank's terms and conditions.
- Fill out the form in your personal account. Download scanned copies of the required documents. Choose a bank branch where it is more convenient for you to sign an agreement. Submit your application by clicking the appropriate button.
- Within two days, the credit organization will answer whether it gives the go-ahead for the loan. The approval is valid for three months. In the meantime, you are looking for a house or apartment to buy.
- When the necessary housing is found, collect the documents for it. The exact list will be provided by the credit institution. Load all the collected papers and send them to the bank. If you have chosen an apartment directly for "domclick", then you will not have to collect documents - you can simply send an application for approval. The decision will be communicated to you in three to five days.
- In case of a positive decision, you sign a loan agreement at a bank branch and buy a home.
- You register the completed transaction. To facilitate the procedure, you can use an additional bank service - electronic registration.
The DomClick Pro service is available for Sberbank's partner organizations in the real estate sector.
