Documents for obtaining a mortgage at SberBank

Tariffs and program conditions

The difference between the program and related offers is that, under its terms, clients can buy ready-made apartments on the secondary market. The seller can be either a legal entity or an individual. All Sberbank housing projects are implemented through the DomClick.ru service. The terms of the mortgage loan are as follows:

• Amount - 300,000 rubles - 60,000,000 rubles.
• Loan terms are 1-30 years.
• Interest rate - from 7.7% per annum.
• Down payment - from 10% of the estimated value of the property.
• Apartment insurance is a must.

When registering a transaction electronically, the bank will make a discount on the interest rate in the amount of 0.3%. Also, discounts and other privileges are available to those clients who take out life and health insurance and use additional services of Sberbank.

What should the salary be to take out a mortgage at Sberbank?

No one will give you a specific number . It all depends on the type of property that the borrower plans to take out a mortgage.

If he wants to buy an apartment costing 50 million rubles with a salary of 30 thousand rubles, then his application will not be approved. You need to understand that the cost of mortgage obligations should not exceed 40–50% of his official salary.

Please note that we are talking only about those incomes that are indicated in the 2-NDFL certificate or in the certificate in the Bank’s form . If a person cannot confirm his income (for example, he is not officially employed), then Sberbank will refuse to issue him a mortgage.

If your salary is not enough to take out a mortgage, you can check with a bank employee whether he will take into account the borrower’s additional income: for example, interest on a deposit, the availability of securities, money from renting out an apartment, from part-time work, etc.

Requirements for borrowers

The bank considers citizens of the Russian Federation as borrowers. Age restrictions are standard - from 21 to 75 years. The borrower must have permanent registration in the region where the agreement was executed (location of the object). The spouse who is legally married to the client always acts as co-borrowers on the loan.

Work experience at the current place - from 3 months. There are no general experience requirements. Employment and availability of permanent income are confirmed at the discretion of the client. Sberbank does not request this data, but in its absence, general mortgage conditions may worsen.

Documents for obtaining a mortgage

Exactly what documents are required depends on whether the mortgage is issued with or without proof of income. If income is not confirmed, then the client only needs to present a passport and any other identification document.

Income is confirmed by a 2-NDFL certificate with earnings for the last six months (3-NDFL for the same period), a certificate in a bank form or an extract from a personal pension account if the borrower receives a pension. Individual entrepreneurs and self-employed persons are also considered as clients.

How to get a mortgage from Sberbank? Step-by-step instruction

To get a mortgage from a bank, a person needs to go through a number of stages. Let's look at the step-by-step process of taking out an apartment on a mortgage:

Step 1. Select a suitable program . Sberbank offers potential borrowers a variety of mortgage programs that differ in terms of lending and the subject of the mortgage. So, you can take out a mortgage for an apartment (on the primary or secondary market), a finished house, a house under construction, country property, a garage, a parking space.

Step 2. Find a suitable mortgage . In addition to the fact that the client chooses a program - for example, he wants to buy an apartment, he can go even deeper - choose a specific type of mortgage. For example, if a young family with two children wants to take out a loan, the bank offers special conditions under the “Mortgage plus mat. capital". The military also has its own conditions and its own program.

Step 3. Collect documents . At this stage, you can enlist the support of a bank employee who is involved in mortgage lending. You can find out from him what documents should be prepared. Usually this is a 2-NDFL certificate, a copy of an employment contract or work record book, education documents, TIN, SNILS, marriage certificate, birth of children, military ID.

Step 4: Apply for a mortgage . Sberbank has an online application service. Although you can go to the department and write a statement locally.

Step 5. Submit a package of documents to the bank . If the bank has approved the application, then it sets a date when the borrower needs to come with documents. Before this, you need to order a real estate appraisal. With a completed apartment assessment report and the necessary package of documents, the client contacts the bank and reports the price that the seller of the apartment wants to receive.

A bank employee analyzes the provided papers and if everything is in order with them, then he sets a day when the client needs to come and conclude a purchase and sale agreement with the seller, insurance for the mortgaged property or for the housing purchased with a mortgage.

Step 6. Draw up an agreement . When the purchase and sale agreement is signed and the money is transferred to the seller, then the borrower will have to register ownership of the home with Rosreestr, obtain insurance, then come back to the bank and draw up a mortgage agreement with a guarantee.

How to get a mortgage for finished housing at Sberbank

You can find out a preliminary decision on your application by filling out a form on the Sberbank website or on the DomClick.ru service. If it is positive, a meeting is agreed with the client at the bank’s office. You can also attach all the necessary documents through the application form.

The final decision is made within 2-4 days. To apply for a mortgage loan, the bank will need an apartment appraisal report. This service is available on DomClick: the report will be prepared in 3 days, and the bank will receive it automatically.

What documents are required for a mortgage at SberBank - general list

Mortgage lending is offered today by many banks. Each of them offers its own conditions, which may be more or less favorable. At the same time, the requirements for a potential client also differ significantly. We will talk about exactly what documents are needed for a mortgage at Sberbank for a number of reasons. This particular bank is considered one of the largest and most reliable due to the fact that it was established by the Central Bank of the Russian Federation. This is also due to the fact that this banking institution supports all government programs and provides preferential conditions to a number of categories of citizens. In addition, state participation in the management of the bank, the large size of its assets and a wide range of activities allows it to offer more favorable lending conditions, including mortgage loans, to its clients.

Based on what documents SberBank needs for a mortgage on an apartment, you can prepare to submit an application for a loan to any bank; the main list will differ minimally.

The entire list of documents can be roughly divided into two categories:

• those that relate to the potential client and reflect his solvency;
• those that characterize the property being purchased.

First of all, SberBank requires a mortgage application form, as well as a passport, income and employment certificate.

And if the interest in the financial situation and personal information of the loan payer is understood, then comprehensive information about the apartment or house that is planned to be purchased is due to the fact that real estate under a mortgage acts as collateral. If the terms of the mortgage loan require that the client provides another property as collateral (there are special offers in which the loan is issued against existing real estate), then all documents must be collected for it. First of all, these include:

• certificate of state registration of property rights;
• extract from the unified state register (ordered at the MFC or at the representative office of Rosreestr);
• report on the assessment of the object carried out by a specialized company.

If the owner of the property is married, both when selling it and when registering a mortgage, it is necessary to provide the bank with the notarized consent of the spouse. If there are minor family members, the guardianship authorities must document their approval for the transaction. Questions also arise if common shared property is purchased. In this case, the bank will require a notarized waiver of the exercise of its preemptive right to purchase, signed by all other participants in the property

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Proc. rate 7.7% per annum Payment per month 100 ₽

Amount of payments 10,000 ₽ Overpayment 1,000 ₽

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Reasons for refusal to issue a mortgage at Sberbank

It will not be possible to find out the reason for the refusal to issue a mortgage. This is confidential information, so bank employees do not disclose it. Therefore, a potential borrower should carefully study all the rules and comply with the necessary conditions in order for his application to be approved.

Most often, Sberbank refuses to issue a mortgage for the purchase of housing for the following reasons:

• bad credit history;
• inaccurate information in documents submitted to the bank (for example, certificate 2-NDFL is not true);
• presence of other outstanding loans;
• insufficient income of the borrower;
• non-compliance with basic requirements - for example, a person does not fit the age range.

Sberbank offers clients a large number of mortgage programs that are suitable for purchasing a new building, an apartment on the secondary market, a house and even a garage . The bank has developed individual programs for each client. Before taking out a mortgage from Sberbank, you need to read the terms and conditions of its provision.

If the borrower is satisfied with everything, then he sends an application, collects documents, looks for housing, negotiates with the seller, provides real estate documents to the bank, draws up a purchase and sale agreement, registers ownership of the property, arranges insurance and only then signs the mortgage agreement.

If the client has a positive credit history, a stable job with good earnings, and has collateral, then he is more likely to have his mortgage application approved.

If the client cannot confirm his income, has a negative credit history, and has no co-borrowers, then the bank will refuse to issue him a mortgage.

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You will find out the pre-approved amount that the bank can give you. The calculation is for informational and reference purposes only and is not a guarantee, since each bank has individual conditions.

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FAQ

What is the maximum amount you can receive under a mortgage loan?
The maximum loan amount does not exceed 85% of the appraised value of the residential property. Can I buy an apartment in a new building? No, the program applies only to the secondary housing market.

What to do if you can’t pay the down payment? A down payment is a prerequisite. You can cover the amount with maternity capital funds.

Who is eligible for the minimum interest rate? A rate of 7.7% is available to participants of the “Young Family” promotion.

What is the base mortgage rate? The base rate is 8.1% per annum.

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