Non-purpose loan secured by real estate in Sberbank

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The largest bank in the country has been offering Russians a general purpose loan secured by real estate in Sberbank for a long time. Although many potential borrowers do not like the word "collateral", but this program has quite attractive conditions, therefore it is in demand.

Loan programs secured by property in Sberbank

If you familiarize yourself with the terms of this program, you will notice that the deposit is the only negative. This type of loan will allow you to get borrowed funds for the longest period in Sberbank - up to 20 years, which is 4 times more than for a conventional loan (up to 5 years). The amount will also be significantly larger - up to 10 million rubles. For comparison: even when the borrower attracts guarantors, more than 5 million will not be offered, and under the usual consumer lending program, the amount is up to 3 million.

For those who are payroll clients of Sberbank, the most favorable interest rate is from 12%; not being a participant in this project - from 12.5%.

In addition, such a loan has an advantage over mortgage programs, since there is no need to make an initial payment, the amount of which is equal to a tenth of the property value (10%).

Lending terms

If you want to get a general purpose loan secured by real estate in Sberbank, you should be between the ages of 21 and 75. It should be understood that the limit is the age until which the loan must be repaid, and it is not allowed to borrow.

Objects of property for collateral

Today, the object of pledge can be any residential property, with the exception of:

  • parts of the apartment;
  • rooms.

That is, collateral is:

  • apartment;
  • House;
  • town house;
  • land plot;
  • garage.

Interest rate calculation

Today, the main feature of the rate calculation is stability and openness - 12% or 12.5%, depending on whether there is a salary card. Moreover, it does not matter for how long the money is taken. If you refuse to take out insurance, according to the requirements of the bank, the rate will automatically increase by 1%.

Documents for registration

To get a non-targeted loan secured by real estate in Sberbank, you must provide the following documents:

  1. Passport, where there is a mark on the registration of the borrower.
  2. A document confirming solvency - certificate 2-NDFL;
  3. A certificate confirming the presence of the necessary length of service, which should be from six months for the last place of work and a year for the last 5 years. The certificate can be replaced with an approved copy of the work book.

An application is also required, without which the procedure will not be initiated.

Sample Application

An application is a standard document that contains the necessary information about the borrower. In Sberbank, it is extensive, but it is easy to fill. You can apply online or by visiting the lender's branch.

Calculate loan

A loan calculator will help you calculate your monthly payments .

Details on the terms of a loan for any purpose secured by property

The page provides all the information on the terms of lending.

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