The list of documents that Sberbank requires from borrowers depends on the type of lending and the requested amount. They can be divided into several groups: personal documents of the borrower, financial documents, documents on the subject of the pledge, documents of guarantors.
It is necessary
- - application form for a loan;
- - personal documents of the borrower / co-borrowers;
- - documents confirming the income of the borrower / co-borrowers;
- - documents on the subject of pledge;
- - documents on the property;
- - other documents.
Instructions
Step 1
The initial step in obtaining any loan from Sberbank is to fill out a loan application form. You can fill it out at a bank branch, or do it online on the website. It is necessary to indicate the personal data of the borrower; information regarding his financial condition, as well as the level of education and employment (position, place of work, industry of work, current experience at this place of work). There are also questions regarding the property owned by the borrower. All information must be filled out as accurately as possible, because the decision of the bank largely depends on this. At the same time, in the future, Sberbank will need to provide all supporting documents.
Step 2
For any type of lending, the borrower will need a passport with a registration mark (but Sberbank allows for a temporary registration). In addition to him, you will need to provide documents that confirm the borrower's income indicated in the application form. This can be a 2-NDFL certificate with the obligatory indication of the phone number of the accounting department, 3-NDFL for individual entrepreneurs working under copyright or civil law contracts, tax returns, a certificate from the Pension Fund about the amount of pension.
Step 3
The next package of documents serves as confirmation of the employee's work experience. This includes a copy of the work record book (extract from it), which is page by page certified by the employer. Sberbank also accepts certificates from the place of work, which contain an indication of the position and length of service, or a copy of the employment contract. For large loans, you may need to provide a copy of your diploma. The documentary requirements for issuing an unsecured consumer loan end there.
Step 4
When securing in the form of a surety of third parties, Sberbank will need to provide documents on guarantors. Their list is similar to that requested for the borrower. Another type of consumer lending that allows you to borrow large amounts from Sberbank is a secured loan. In this case, you will need to collect documents on the subject of the pledge. These include a certificate of registration of ownership and documents confirming its occurrence; an extract from the USRR on the absence of encumbrances; cadastral passport; consent of the spouse to the registration of real estate as a pledge; permission of the guardianship and guardianship authorities in the case of minors registered in the apartment.
Step 5
Car loans at Sberbank can be obtained without proof of income. But for this you need to make an initial payment of 30%. With this option, the bank only needs to provide a passport and a second document (military ID, driving license, passport, etc.). In other cases, in order to obtain a car loan, you will need to prove income and experience. Also, the number of documents requested for car loans includes a purchase and sale agreement, a payment document from a car dealership (according to which credit funds will be transferred), a copy of the PTS passport, an insurance policy, confirmation of payment of the initial payment.
When buying an apartment on the secondary market, you will need a preliminary sale and purchase agreement with the seller and documents on the acquired real estate (housing passport, extract from the Home Book, certificate of the absence of encumbrances and debts to housing and communal services).
Step 6
The most impressive package of documents accompanies the registration of a mortgage at Sberbank. In addition to the borrower's personal and financial documents, when applying for a mortgage for an apartment in a new building, documents will be required confirming the developer's rights to build a house; an equity participation agreement or a sale and purchase agreement; documents on the developer company (if the house was not accredited by Sberbank). You will also need an opinion of an independent appraiser on the cost of housing and an extract from the personal account confirming the presence of an initial payment. When buying an apartment on the secondary market, you will need a preliminary sale and purchase agreement with the seller and documents on the acquired real estate (housing passport, extract from the Home Book, certificate of the absence of encumbrances and debts to housing and communal services).
