Sberbank mortgage for salary card holders in 2021

Sberbank has special lending conditions for salary clients. They can get a mortgage with benefits that are not available to other borrowers. Let's look at what advantages of housing loans apply to salary clients and how to take advantage of them. If you are interested in this offer, you can contact any nearest Sberbank branch and submit an application.

Mortgage conditions for Sberbank salary clients

Sberbank offers 8 mortgage loans for salary card holders. You can buy a finished or under construction apartment, house, garage or parking space. The loan is secured by the pledge of existing or purchased real estate.

The collateral must be insured against the risks of loss or damage. Life insurance is optional, but if you refuse it, the rate will increase by 1%.

The mortgage term at Sberbank reaches 30 years, the down payment is 15%. There is no fee for issuing money, and the main difference between mortgages for salary card holders is the rate reduced by 0.5%.

Requirements

Sberbank has developed a salary program that any employer can join . To do this, he submits a special application to the bank, as well as a list of employees for whom plastic cards are issued.

The holder of a salary card is a bank client, provided that the employer transfers wages to his Sberbank card on a monthly basis.

The Bank at Work program has been developed for payroll clients. Each organization participating in the salary project is assigned a personal manager who advises its employees on banking products and services without visiting a Sberbank branch.

Requirements for salary clients to apply for a preferential mortgage:

Russian citizenship and registration.
Age from 21 to 75 at the time of loan repayment.
Minimum 6 months of experience at last place of employment.
Possession of the card for at least six months.
In three months, at least three credits to the card.

Programs and interest rates

The name of the program	Sum	Term	Bid
New building	up to 85% of the cost of the apartment	up to 30 years old	from 6.7%
Finished apartment	RUB 25,500,500	up to 30 years old	from 8.6%
Mortgage with state support for families with children	up to 80% of the cost of purchased housing	up to 30 years old	from 6%
Construction of a residential building	up to 75% of the value of the collateral	up to 30 years old	from 10%
country estate	30,000,000 rub.	up to 30 years old	from 9.5%
Non-targeted loan secured by real estate	up to 10,000,000 rub.	up to 20 years	from 12%
Military mortgage	up to 2,398,000 rub.	up to 20 years	9,5%
Garage or parking space	up to 75% of the cost of the garage (parking space)	up to 30 years old	from 10%

Necessary parameters of the purchased property

Housing that is planned to be purchased for further collateral by a bank employee must meet a number of requirements put forward by a commercial institution.

Thus, the age of the housing stock and its wear and tear are taken into account. It will not be possible to get money to buy dilapidated housing. The building where the apartment is located must be no more than 30 years old. Employees checking real estate parameters pay attention to what the building’s foundation is made of (it must be reinforced concrete or stone).

The legal purity of an apartment is another criterion that applies to real estate. Third parties, children or people who have left for a while should not be registered in the apartment.

When assessing a home, pay attention to its square footage. For example, the area of a one-room apartment must be at least 32 m². Two- and three-room apartments also have their own criteria.

Availability of communications, incl. water supply, electricity, sewerage, etc., required.

Mortgage calculator

Using the calculator on the Sberbank website, you can calculate the mortgage rate, monthly payment and the minimum income required for approval of the application. In the calculator you need to indicate:

the cost of the purchased property;
the amount of the first payment;
desired mortgage term.

Example . A young family purchases an apartment for 3,500,000 rubles on a 10-year mortgage. with a down payment of 1,000,000 rubles. The monthly payment amount will be 31,131 rubles. per month, the rate is 8.6%, and the application will be approved with an income of 44,472 rubles.

What are the advantages of a salary card?

There is no separate program for salary clients to obtain a mortgage or consumer loan, but this category of clients can take advantage of special conditions, such as a lower interest rate and other privileges.

It is worth noting that the percentage of application approval for salary clients is significantly higher than for ordinary consumers. Sberbank sees all cash receipts and expenses on the card, based on this, the bank can calculate the financial burden with greater accuracy.

How to submit an online application for a mortgage at Sberbank

Sberbank accepts applications for mortgages via the Internet in the DomClick service. After choosing the appropriate loan terms, you will need to register by indicating your full name, phone number, date of birth and email. If you have connected Sberbank Online, you can immediately log into your personal account using your login and password.

Next you need to fill out a form. It states:

FULL NAME.;
passport details;
information about education, number of children;
place of residence;
information about income and place of work;
contacts.

After filling out the form, you need to attach scanned copies of all pages of your passport. Your mortgage application will be processed within 8 business days, and you will receive a decision via SMS. The status of the profile can be checked in your DomClick personal account.

General conditions of mortgage programs

Standard parameters for issuing a mortgage at Sberbank include the following conditions:

The final terms of the loan will be announced to the client after consideration of the application by the Credit Committee and a detailed analysis of his financial situation and credit reputation.

How can a Sberbank salary client get a mortgage?

Once your mortgage is approved, you need to select a suitable property. It must be assessed by a specialized company and the assessment report submitted to Sberbank. He will check the legal purity of the selected housing.

If the bank has approved the property, you need to negotiate the timing of the transaction with the seller. After this, you need to apply with purchase and sale agreements, mortgages and mortgages to the MFC or the Rosreestr branch for state registration of property rights.

Let's sum it up

Being a participant in a salary project from Sberbank is very profitable. This is one of the largest banks in Russia, which has the widest network of ATMs in the country. Providing preferential conditions and privileges to salary clients undoubtedly facilitates and improves the procedure for obtaining a loan or mortgage. If for a small cash loan the advantages are insignificant, then a Sberbank mortgage for salary clients is profitable and simple.

Feedback from salary clients about mortgages at Sberbank

Doronin Yuri:

Bragina Marina:

Ivanova Oksana:

“I work in a government agency and receive my salary on a Sberbank card. We approved our mortgage application in literally 1 day. Approval of the property also did not take much time. I was pleased with the rate and inexpensive insurance. The transaction went through without any complaints.”

Fomin Timur:

“My wife and I receive our salaries on a Sberbank card. But when choosing a mortgage, other banks were also considered. As a result, 3 applications were sent. Sberbank approved it faster than others and offered more attractive conditions. The manager helped us at all stages right up to the transaction and receipt of documents. Overall, everything went very well. There are no problems with repayment. You can always do it through Sberbank Online.”

What documents will be required?

To apply for a mortgage, you will need to collect a smaller set of documents confirming the borrower’s income than other clients. If the loan is issued using two documents (passport and SNILS), then the bank will generally only need an application form and a set of documents for the collateralized property. In other cases you will need:

copy of the passport;
mortgage application form;
salary account statement or bank certificate;
copies of title documents for real estate;
appraiser's report;
copies of the seller's passport;
BTI registration certificate;
notarized consent of the spouse to the transaction;
DDU or agreement on the assignment of rights of claim (when purchasing housing on the primary market).

As in the case of a regular borrower, the bank will check the property or rights to it. Find out the age of the building, statistics on changes of owners, the presence of encumbrances, arrests, and legal claims.

Only after all the borrower’s documents have been studied will Sberbank issue a written opinion on its readiness to issue a mortgage loan. It is usually valid for three months.

If the reader is interested in mortgage loans, then the following materials about mortgages will be useful to him:

for salary clients of Alfa-Bank;
for salary clients of VTB 24 bank;
for Gazprombank employees;
for low-income families;
for Russian Railways employees;
for invalids;
for salary clients of Sberbank;
for the military;
for a young family;
for a large family.

Special conditions for salary earners

A Sberbank salary client is the owner of a debit card or deposit into whose account the employer transfers wages on a monthly basis. To receive preferential conditions, it is enough that 3 or more payments are transferred to the account.

For such clients, the bank creates special conditions for receiving borrowed funds:

Reduction in annual interest on mortgage products by 0.5%.
Expedited processing period for applications.
Minimum required documents.
There are no requirements for confirmation of income and cumulative work experience of at least 1 year over the past 5 years.
The ability to fill out an application online on the bank’s official website without visiting a branch.

Another program for salary card holders is “Bank at Work”. It makes it possible to receive professional advice regarding banking programs at your enterprise or office without visiting a Sberbank branch. To do this, the company is assigned a personal manager who advises employees on the services and programs offered by Sberbank.

You can contact your personal manager-consultant on the following questions:

consumer loans;
credit cards;
mortgage loans;
pension insurance;
deposits;
use of online services;
loyalty program (use of “Thank you from Sberbank” bonuses).

Loan refinancing

Sberbank provides its employees with the opportunity to refinance current debt to third-party credit institutions. Early repayment of loans issued by the bank itself is also allowed. The client must provide one of the following objects as collateral for the issued loan:

A private house;
Land plot;
Apartment;
Your share in a residential or commercial real estate property.

In the application form, the borrower must indicate the type of loan being repaid, the name of the lender, the remaining amount of debt and the number of the current account intended for making payments. The collateral must not be under arrest or have other encumbrances.