In Sberbank, you can choose the most suitable housing loan program for yourself. All of them have certain requirements for borrowers and conditions for providing funds. To apply for a loan, you must first submit a completed application form of a special sample to the bank. The Sberbank Mortgage Questionnaire (you can download the form on the website) includes a number of standard questions and does not require a lot of time to provide answers to them.
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Mortgage types
The process of obtaining a housing loan is carried out directly at the bank office. You should first prepare the required set of documents, select a program, submit an application form, as well as get a decision from the bank and sign an agreement. Of great importance is the correct filling out of the Sberbank loan application form. The information entered into it has a direct impact on the possibility of obtaining a positive decision of the bank.
Mortgage programs in Sberbank
The choice of a specific mortgage loan depends on the type of housing required and other conditions. The proposed housing programs provide for the possibility of acquiring a wide variety of real estate.
List of housing available for purchase:
- apartments on the secondary housing market from sellers;
- apartments in new buildings from sellers;
- private houses, dachas, suburban areas;
- apartments in new buildings from banking partners;
- private houses (construction).
To apply for any loan, a Sberbank mortgage application form is offered (you can download the form directly on the website).
In addition to basic loans, programs have been developed for owners of maternity capital or for the military. Their conditions provide for the possibility of repaying the first installment or a certain part of the loan at the expense of funds allocated by the state.
How to fill out an application
The mortgage application form is printed on Sberbank's letterhead. It is necessary to enter the necessary information into it yourself, it is simple and does not take much time.
The main points of the questionnaire:
- client role: borrower, mortgagor, co-borrower, guarantor;
- individual and passport information (indicate the fact of changing the surname and the presence of a passport);
- addresses: permanent or temporary registration, as well as places of residence;
- valid phones: mobile, home, work;
- place of work: position held, name of the company, type of activity, total and current experience for the annual period and for the current 5 years, number of employees at the enterprise;
- information about relatives (husband / wife, children, parents): full name, date of birth;
- family income: salary (certificates required), total income, including spouse's salary, additional income (without confirmation);
- family expenses: rent, insurance premiums, payments on debt obligations (except for minor expenses);
- family property: vehicles (number of years, price), housing (address, period of purchase, area);
- additional information (credit history code, insurance number);
- availability of bank cards (pension or salary): full number;
- period of filling out the form: time and date;
- credit parameters: currency, amount, type of loan, price of housing, repayment period, amount of the first installment, debt repayment option.
Questionnaire for registration of a mortgage in Sberbank
Download file:
Sample of filling out the questionnaire
Download file:
After entering all the required information into the Sberbank mortgage application form, it must be signed in several places. In addition to the usual signature, the place for which is at the end of the completed form, it should be put in a special section for the borrower. Thus, familiarization with the rules regarding the procedure for obtaining a loan is confirmed.
Submitting a Sberbank mortgage application form (downloading the form allows you to fill it out correctly and quickly) will be faster if you first study all the conditions of a bank loan and collect the required documents.
Features of a mortgage in Sberbank
Mortgage of real estate or other property has a direct impact on the reduction of the rate. In this case, the property under which the loan is granted must be insured. The duration of its validity period cannot be less than the debt repayment period.
Mortgage interest rates at Sberbank
After reviewing the information provided in the questionnaire, the bank employee sets the interest rate on the loan. Its size depends on the program used and can be in the range of 7.4% -12% per annum.
Conditions for obtaining the minimum bet:
- making a significant down payment;
- the presence of a pension or salary card of Sberbank;
- active use of a bank card or account;
- availability of life insurance (if not, the rate increases by 1%);
- current deposit, deposit or loan in Sberbank.
While the housing is not registered, the rate will be increased by 1%.
After registration, the interest rate will be reduced. If there is additional profit, but there is no documentary evidence of it, then the rate will be increased by 0.5%.
Mortgage loan repayment periods are up to 20 or 30 years. The amount of the initial payment is 15% of the value of the acquired property, and for payroll clients it can be reduced to 10%.
Mortgage limits:
- lower limit: 300 thousand rubles;
- upper limit: no more than 85% of the appraised value of housing in the contract.
After the Sberbank mortgage application form (you can download the form and fill it out yourself) is submitted to the branch, you will need to wait for an affirmative answer and sign the contract. Then you will need to draw up documents for housing, its insurance, registration and submission of all necessary documents to the bank. The final step is to open an account to which the loan money will be transferred.