Approved a mortgage in Sberbank, what to do next

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Obtaining a mortgage at Sberbank is a rather complicated process, during which it is necessary to go through many procedures and fulfill a number of mandatory requirements. If you approved a mortgage at Sberbank, what to do next? This will be discussed in this article.

Mortgage registration - preparation of documents

To get the bank's approval and speed up the process of considering an application for a mortgage loan, it is necessary to collect a package of documents. One of the main conditions that Sberbank puts forward for its customers are age restrictions, as well as the availability of a permanent job and a stable income. Taking into account these parameters, the bank makes a decision on issuing a mortgage, its amount, as well as the level of the interest rate.

List of required documents

  1. Passport.
  2. Registration document.
  3. An additional identity document (passport, driver's license, etc.).
  4. Employment book and certificate with data on work experience.
  5. A certificate or statement indicating monthly income.
  6. Documents for collateral, if any.
  7. Documents that allow you to get a lower interest rate (certificate of maternity capital, marriage certificate).

After all the documents have been collected, it is necessary to draw up an application for a loan (), which indicates the most suitable mortgage conditions. These include: the total amount of the loan, the optimal amount of monthly payments, as well as the maturity of the loan.

As a rule, the bank reviews the application within 5 days, but in some cases this period is extended (if the bank needs to verify the data).

Approved a mortgage in Sberbank, what to do next?

The next steps will depend on the selected property. If the option has already been selected, it will be necessary to prepare the documentation for the purchase. To collect the necessary documents, 2 months are given. These include:

  • contract of sale;
  • certificate of spouse's consent to the transaction (or certificate of absence thereof);
  • expert assessment of real estate.

The contract of sale reflects information that a mortgage has been issued for a specific property. It also prescribes the main conditions and obligations under the mortgage program of Sberbank. In special cases, the bank may require additional information and documents. As a rule, this applies to situations where the purchase of real estate is made from a legal entity or a mortgage loan is issued for the construction of a private house.

You can download the list of documents for obtaining a mortgage here:

Down payment after mortgage approval

In parallel with the collection of basic documents, it is necessary to prepare documents confirming the ability to make a down payment on a mortgage, they can be:

  • information about the bank account on which there is the required amount;
  • payment receipt for payment of part of the cost of real estate;
  • a certificate or any other document on the transfer of the required amount from third parties to the client's account.

Nuances when applying for a mortgage - video

To find out what to do if you approved a mortgage at Sberbank, we suggest watching a video review:

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