Mortgage for a single mother in Sberbank

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Sberbank is a socially responsible bank that is traditionally a participant in all state preferential programs. In addition, a program has been developed for young families (including single-parent families) - a mortgage for a single mother in Sberbank.

Mortgage program for single mothers

The main feature of lending to women from single-parent families is that in 99% of cases they will not be able to get borrowed money to buy a home while on maternity leave or while on parental leave. In addition, this applies to Russian women who have returned to work, but have worked for less than six months.

An exception may be the presence of passive income or solvent co-borrowers.

Mortgage conditions

All conditions in Sberbank for single mothers are standard, that is, the same as for other borrowers. Namely:

  1. The age of the woman is 21 years old.
  2. The maximum age is up to 75. If the borrower receives a mortgage without confirmation of solvency (according to two documents), then the age limit will be limited to 65 years. You need to know that by the time the maximum age is reached, the mortgage must already be paid off.
  3. The loan term is up to 30 years.
  4. Mortgage amount - from 300 thousand rubles.
  5. The rate for a single mother is from 8.6%, but usually it is slightly higher.
  6. The amount of the initial payment for the borrower is from 15%.

Any woman in this category is entitled to use all federal benefits. These include:

  1. Maternal capital.
  2. State program "Young family". It will allow you to pay off a third of the cost of housing, but this type of assistance has a significant drawback - you will have to wait for your turn for years.

Also, you can take advantage of the offer of Sberbank "Young Family". It will not give financial benefits, but it will allow you to receive credit holidays at the birth of your next child and some other benefits.

What documents are needed to apply for a mortgage?

A mortgage for a single mother in Sberbank can be issued using an online application. After prior consent, the following documents must be submitted:

  1. Passport (Russian, with registration mark).
  2. Birth certificate of the child, and each.
  3. Papers confirming employment, the presence of the required length of service (at least six months).
  4. Certificate confirming the availability of salary (2-NDFL).

If there are benefits, then you need to provide documents confirming their availability, for example, a certificate for maternity capital. After the final consent from Sberbank, 3 months are given to search for housing.

Benefits for a single mother in Sberbank (video)

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