Registration of a mortgage in Sberbank is directly related to the pledge. For this, a Sberbank mortgage is signed (sample below).
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Mortgage on an apartment on a Sberbank mortgage - what is it?
A mortgage can be issued on any type of property. The terms of the mortgage agreement are necessarily duplicated in the mortgage. This document remains with the bank until the debt is fully repaid. However, it comes into force only in case of violations of the terms of the mortgage agreement.
A mortgage can be issued on the following types of property:
- real estate (an apartment or a private house together with the land on which it is located);
- land (not necessarily with buildings);
- non-residential real estate (garage, country house);
- construction objects owned by legal entities;
- other property (for example, rented housing with the right to long-term lease).
mortgage loan template
Data specified in the mortgage
Mortgage mortgage of Sberbank (a sample can be downloaded) is not difficult to fill out. The example shows how to fill in the basic details, including: name, serial number of the document, bank details, personal data of the client, necessary stamps, etc.
The main requirements can be formulated as follows:
- In the mortgage, you must specify your data (name, address and place of registration). A legal entity must complete the details.
- All obligations of the parties are described (subject of the agreement, loan repayment terms, conditions for making payments, etc.).
- All possible ways to repay the debt are indicated.
When drawing up a mortgage, it is important to understand that it is drawn up once.
It is prohibited to make any changes after signing by the parties. This document becomes null and void if any changes are made. Before you put your signature on the mortgage, you should check the contents of the document several times. If after some time an error is discovered, it will be accepted as a reality and it will be very difficult to prove the opposite.
Sample mortgage for an apartment - filling points
Required items to fill out:
- Personal data of the pledgee.
- Details of the person who is the original pledgee.
- All essential terms of the mortgage agreement (subject, amount, terms, number and place where registration was made, etc.).
- Data on the change of ownership of the property, which is registered in the invoice.
- Date, signatures, details and stamps.
Mortgage mortgage of Sberbank (sample) is available at any branch of the bank. To make it legally correct, it is better to use the services of a lawyer.
You should be aware that another bank can redeem a mortgage from Sberbank. It's not worth worrying about this. In fact, the change will affect only the details for making monthly payments. If the mortgage is repaid properly and on time, the mortgage will not take effect and will not cause any problems.
After the entire amount of the mortgage is paid in full, you should go to the Sberbank branch and pick up the mortgage.
By law, you can return the mortgage within a month, the procedure itself takes no more than a couple of days. When you change your place of residence, you must visit the bank to return the mortgage on the property to the old address. If an employee of Sberbank reports that the bank refuses to return the mortgage, then this issue should be resolved in court.