The problem of housing is acute for many young families. It is difficult to acquire it for one or even two salaries in a short time. A more affordable option is still a mortgage. Sberbank has been working in this area for a long time and provides newlyweds with various credit lines. In addition, there is a temporary deferral of mortgages in Sberbank at the birth of a child.
The Maternity Capital program for paying a mortgage at Sberbank
This year, Sberbank offers its clients to receive the necessary funds to purchase real estate for up to 30 years. The amount of the loan will depend on several factors: the cost of housing, the solvency of the client, the availability of property for collateral, the term of the contract. Under the mortgage, Sberbank is ready to allocate an amount of 300 thousand rubles.
There are differences in the interest rate on the loan:
- mortgage plus maternity capital - from 8.9%;
- for the purchase of a new building - a rate of ;
- for the purchase of finished housing - from 8.6%;
- for the construction of your own house - from 10%;
- purchase of housing by military personnel - from 9.5%;
- suburban real estate - from 9.5%.
Each option has its own characteristics, and the above percentages are the minimum rate. Details on the bank's page .
Newlyweds can take advantage of various programs, and after the birth of a child, switch to the option with maternity capital. In addition, Sberbank may meet the parents and suspend payment of obligations. Such preferential conditions are considered on an individual basis. Mortgage deferral at Sberbank at the birth of a child is not widespread, but is available subject to certain conditions.
Conditions for issuing a mortgage
The mortgage itself is issued exclusively to customers with a constant stable income. Those who work in one place for a long time, have real estate, other valuables to use as collateral or can provide a guarantee of their solvency, which can be an individual, company or organization, receive benefits.
Problems can arise with a bad credit history, so you should be careful about your obligations, because non-compliance with the conditions will lead to a loss of confidence on the part of financial structures.
Before starting a mortgage, it is worth checking your capabilities and prospects. For convenience, Sberbank offers to use an online calculator to calculate interest and monthly payments. After calculating the loan, you can immediately apply for a loan. The system works in automatic mode. All applications are processed one by one. To speed up the process, you can personally visit a branch of Sberbank.
After the application is approved, you should:
- Find the right apartment or house for you.
- Settle formalities with property owners or their representatives.
- Bring the received documents to the branch of Sberbank.
- Check and sign a loan agreement drawn up by an employee of Sberbank. Carefully study the payment schedule and other features.
- Documents for housing will undergo state registration and come into force.
- You can use real estate and pay interest on a loan.
Mortgage deferral at the birth of a child - required documents
The possibility of delay for many families reduces the financial burden and helps to overcome temporary difficulties. You can usually get a yearly "holiday". During this period, you only need to repay the interest.
To take advantage of the deferral, parents must provide the bank with a child's birth certificate and sign the appropriate application at the bank branch . For some families, Sberbank extends the grace period to 3 years. At the birth of a second child, "holidays" can reach 5 years.
Certain privileges are received when applying for a mortgage, the owners of salary cards in Sberbank. They do not even need to provide additional documents on income.
To switch to a program with maternity capital, you must provide the necessary documents - a certificate from the state fund or a special certificate for receiving maternity capital. Details can be found by calling the Sberbank Contact Center .
the possibility of deferring a mortgage at Sberbank at the birth of a child is not always advertised by Sberbank employees when concluding an agreement. you should know your rights and demand their observance.