Today, there are special state programs, with the help of which every citizen belonging to a certain social group of the population can receive improved living conditions on preferential terms. However, the mortgage for teachers at Sberbank in 2019 ceases to exist as a separate program.
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Mortgage features for teachers
Back in 2014, the state offered the following programs for the teaching (teaching) profession: “Young Teacher”, “Teacher's House” (regional program) and “Teacher's House”. Each of the above programs had its own requirements and conditions. With the help of state support, Sberbank offered the following loyal conditions for obtaining a mortgage:
- Initial payment . Usually it was necessary to pay 20%, but Sberbank made it possible to receive 10% of them in the form of a state subsidy. It was only necessary to apply to the municipal authorities with an official statement of the established form.
- Regular payments . According to the norms of the legislation, it was impossible to pay more than 45% of wages.
- Increase in the maximum loan amount . If the income is low, you can attract other persons (additional borrowers, guarantors), and thus increase the size of the mortgage amount at the expense of general deposits.
- Interest rate level . The standard rate is 8.5%. When drawing up a mortgage agreement in Sberbank, the borrower compensated a certain part of the rate, thanks to a special state program.
The term of the above program expired in 2015, but for teachers who managed to conclude a mortgage agreement during the program, the same conditions applied (at the time of signing the agreement, all provisions remained unchanged).
Types of mortgage lending in Sberbank
Benefits and state support in 2019
At the moment, the following state programs are in effect: " Young Family" and " Mortgage for the second and third child at 6%" , including " Mortgage for large families from Sberbank" .
Mortgage documents
Mortgage conditions for teachers without state support
Mortgage for teachers in Sberbank in 2019 is issued on a general basis . You can opt for any category of real estate: apartments in a new building, secondary housing or a private house.
For each option of real estate, individual contractual conditions are prescribed. More information about existing programs is on page .
The percentage level is calculated for each individually. Initially, a standard rate coefficient is taken, which depends on the total repayment period of the entire loan amount.
Teachers who have applied to Sberbank for a mortgage can receive an increased coefficient under the following conditions:
- +0.5% to the total rate if wages are not accrued through Sberbank;
- +1% — without registration of life and health insurance;
- +1% - until the date of registration of the mortgage agreement.
As described above, upon approval of the application to the municipal authority, teachers can receive a state subsidy (more details about the subsidy can be found here - Mortgage for state employees in Sberbank). Receiving assistance from the state is possible with the following distinctive characteristics of the client: a young or large family; persons requiring improvement of existing living conditions.
Mortgages for teachers
To improve the terms of the interest rate, novice (young) teachers can provide Sberbank with information about their additional income (receipt of fees from renting their own real estate, professional private practice, income from the use of intellectual property). Read more on the page Mortgage in Sberbank in 2019 (calculator) .
Also, you can attract additional borrowers whose income will help improve the conditions for issuing credit funds. Requirements for borrowers: If you own any type of real estate, you can use it as collateral.
If the employer of a client who has applied for a mortgage at Sberbank uses the services of this bank when calculating wages, the teacher can receive improved conditions for obtaining a mortgage loan.
We told everything about the mortgage for teachers at Sberbank in 2019. You can get more detailed information about the conditions for obtaining a mortgage loan at Sberbank by watching the following video review: