For many Russians, a housing loan is the only way to purchase their own apartment or house. To become a Sberbank borrower, you must meet certain criteria and adhere to the established rules. Many potential borrowers want to know the exact timing of obtaining confirmation of the possibility of granting a loan. About the timing of consideration of an application for a mortgage in Sberbank and will be discussed in this article.
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Application processing time for different bank customers
When applying for a mortgage, it should be understood that the processing time depends on many factors. Owning a salary card from Sberbank, you can count on privileges over other customers. For example, a loan application will be considered much faster, a positive decision is more likely to be received, and the interest rate is lower.
Being a salary client of Sberbank, you can come to the branch with one passport to write an application.
The terms for considering applications for a mortgage at Sberbank depend on compliance with the necessary conditions:
- you need to have a certain level of income;
- work experience in one enterprise must exceed 6 months;
- total work experience must be at least 1 year.
Sberbank can provide an amount that will cover up to 85% of the cost of housing. The percentage of the monthly payment will depend on the amount of the initial payment. With half the amount of the value of real estate, you can count on a large loan, up to 10 million rubles or more.
The procedure for considering applications for a mortgage
The collected package of documents together with the application is sent for processing. Employees carefully check all information, in order to avoid incorrect data. The terms for consideration of applications for a mortgage in Sberbank are 2-5 days. A positive decision depends on the amount of income and type of activity.
Requirements for mortgage applicants
The following factors influence the acceleration of the consideration of applications:
- the presence of a salary card of Sberbank;
- the presence of a contribution;
- investments in partner companies of Sberbank;
- investment in shares.
The terms for considering an application for a mortgage at Sberbank for each individual case may differ and depend on the individual data of the borrower and the selected property. Subject to the above conditions, it is possible to influence the reduction of the decision-making time by the bank.