Valuation of suburban real estate for Sberbank mortgage

If you want to borrow for an apartment from the best bank, you will receive a real estate appraisal for a mortgage at Sberbank; without this step, any bank will refuse. All clients dreaming of a new home have to shell out money for this service. And this is a lot of money.

However, Sberbank has made an offer to potential clients that is difficult to refuse. He offered a mortgage without an appraisal on DomClick, a Sberbank partner service. If a client selects an object that suits him in the service catalog, then a surprise awaits him - a mortgage from Sberbank without an appraisal report. This saves a lot of money and reduces the time it takes to apply for a mortgage loan. Let's look at Sberbank's new product from all sides, but first, about the main thing.

Introduction

An appraisal of any real estate is a study of a specific object in order to determine its market value.

This process consists of several steps, including inspecting the object, photographing it, analyzing documents and technical parameters. The final stage (and the goal of the work) is to compile a report indicating the real value of the object on the market.

Typically, such services are performed by professional appraisal companies licensed for this type of activity; sometimes an appraiser can work alone and independently set the cost of appraising an apartment for a Sberbank mortgage.

This service may be required in different situations:

• for insurance;
• in inheritance matters;
• when buying a house;
• in a prenuptial agreement and in many other situations.

And of course, concluding a mortgage agreement with a bank will not be possible without this procedure. There is hardly a bank that issues such long-term loans without appraisal. After all, its results determine the condition of the housing, how liquid the collateral (housing) is, and how much it can cost on the market.

And if it turns out to be less than the seller’s price, the bank will probably refuse him. Or he will offer less - 75-80 percent of the amount from the assessment report for Sberbank for a mortgage.

Why? Let's imagine that loan payments have stopped (due to problems of the borrower). The bank is forced to sell the apartment and return the issued funds without loss. Real estate sellers often inflate its value, and the bank reduces risks, because it will only receive the sale price on the market.

It is also necessary for Sberbank to evaluate the apartment for a mortgage, which determines the permissible amount of the mortgage loan, that is, the amount of collateral.

Peculiarities of valuation of suburban real estate for Sberbank

Typically, a mortgage is understood as a loan for the purchase of residential real estate, including suburban real estate, secured by it. For Sberbank, an expert appraiser must inspect and photograph the object, after which he analyzes many factors:

• year of construction of the facility;
• wall material;
• type and quality of finish;
• layout;
• object state;
• transport accessibility;
• surrounding infrastructure;
• ecology of the area,
• size and degree of development of the land plot;
• availability of communications;
• proximity to emergency services;
• level of security of the object;
• the cost of analogues on the market for completed transactions;
• water and attractive natural features nearby;
• and other characteristics.

When assessing suburban real estate for a Sberbank mortgage, many factors are analyzed

The expert selects one of the accepted approaches for assessing the property and draws up a report, which he draws up strictly in accordance with Sberbank’s requirements for mortgages and collateral. This document allows the borrower to take out a mortgage loan in the required amount at the optimal interest rate.

Valuation of country real estate differs from the procedure for determining the cost of an apartment in greater complexity, since apartments are built according to standard designs, and country houses can be built according to both standard and original, original designs. Therefore, it is more difficult to evaluate suburban real estate than city apartments. A well-founded conclusion requires many years of experience, an analytical mind and high qualifications, which specialists undoubtedly possess.

Is it necessary to do an assessment?

Russian legislation establishes a mandatory valuation in case of disputes about the value of an object. The requirement to carry out an assessment is contained in Federal Law No. 102 On Mortgages, as well as in Federal Law No. 135 On appraisal activities in the Russian Federation.

The final document for this service - a report on the appraisal of an apartment for a mortgage in Sberbank - is the most important for the lender, so they prefer to order it from companies from the list of organizations assessing real estate for mortgages from Sberbank, accredited professionals who can be trusted.

How appraisal companies are selected to work with Sberbank borrowers

Every year, the management of Sberbank PJSC selects accredited appraisers for successful interaction with borrowers who wish to obtain a mortgage. To participate in this program, each organization must provide a certain package of documents to verify compliance with existing requirements. The final review period for candidates varies significantly, but the standard is 1 month from the date of submission of the official request.

On the official website of Sberbank you can see the entire list of accredited appraisal organizations for analyzing living space before applying for a mortgage. The submitted property assessment report must fully satisfy the lender's requirements. Sberbank may consider submitted documentation from non-accredited organizations, but only on the condition that all standards are met.

Conditions presented

This section is of great importance, since Sberbank has established clear requirements for companies that evaluate real estate for mortgages. For successful cooperation with a financial company, the following conditions must be met:

• At least two officially registered employees must have higher education.
• The organization must have worked in the field of real estate valuation for mortgages for 3 years or more.

To pass Sberbank’s strict selection process, an appraiser must have an impeccable reputation and a minimum work experience.

Accreditation procedure

If, after verification, the company meets the stated requirements, then it will receive official accreditation as a real estate appraiser for mortgages from Sberbank. After this, it will be able to provide services to bank borrowers. The company will not be issued a certificate, since its management will be notified of the decision in writing. After this, the organization will automatically be included in the list of appraisers who have been accredited by Sberbank.

Most often, a prepared report on the assessment of an apartment for a mortgage from non-accredited organizations is rejected by the bank due to a low level of trust. Such companies may well be scammers who want to reduce the size of the down payment and the cost of insurance for the borrower.

Does the bank work with non-accredited appraisers?

At the legislative level, a bank cannot refuse to consider a submitted apartment assessment report for a mortgage from a non-accredited organization without objective reasons. The rights of the borrower are regulated by Federal Law No. 135 “On the Protection of Competition”. Sberbank always interacts with such companies, but only on the condition that all submitted documentation meets the established requirements.

Mortgage without appraisal – a reality?

However, back in 2021, an interesting innovation appeared. Sberbank gave clients a chance to save on appraisals. This opportunity is provided to the borrower if he purchases housing using the DomClick service - then an apartment appraisal for a mortgage will not be required.

How does the service work? The portal domclick.ru has a catalog of apartments for sale; for Sberbank there is no need to order an appraisal on Eva DomClick.

In the catalog, such apartments are marked with a special marker. It means that no appraisal is required and is a great way to save money.

Those who wish to try their luck in this project should keep in mind that there are some conditions and restrictions:

• choose an apartment only on the secondary market;
• in a house of 3 floors and above;
• owned by the seller no earlier than 1998.

An advertisement about an object on the DomClick portal must contain correct transparent information about the object, detailed data, and photos of each room.

The data on the website must correspond to the information of Rosreestr and not contradict it. And the cost of the apartment should be:

• up to 20 million rubles for Moscow and St. Petersburg;
• up to 10 million rubles for a number of large cities;
• up to 5 million rubles for other cities.

At what point and who orders the assessment?

Let's take a closer look at when you need to evaluate a home with a Sberbank mortgage.

First, the borrower selects a suitable Sberbank program, then submits an application for it. If Sberbank approves the application and names the preliminary loan amount, the borrower will be able to begin searching for a specific object that is liquid, suitable for collateral, and meets the bank’s requirements. After agreeing with bank specialists on the parameters of the apartment or house, you can order an assessment. This must be done by the borrower himself. He selects an experienced, qualified team for the job from the list of Sberbank mortgage appraisers.

The borrower submits the appraiser's report to the bank, where they study all the materials within 10 days. The result is approval of the object or refusal. If the decision is positive, the mortgage agreement is then signed.

Carefully study the list of appraisal companies for Sberbank mortgages. An error in choice leads to losses.

It is also possible to order an assessment through a special service - Eva Domklik. It has a large list of accredited appraisers. You can use the valuation service on Eva DomClick for Sberbank with the help of a bank specialist or through a realtor working with the Eva DomClick service (or directly in this company).

How to order an apartment appraisal for a Sberbank mortgage

The most important question is who should you order it from?

This must be a company:

• with professional specialists;
• with activity insurance;
• member of SRO (non-governmental organization of appraisers).

On the pages of the sberbank.ru portal you can see large ones that the bank trusts. Choosing a company with a good reputation and extensive experience among them means ensuring a positive result.

To order an assessment, you must first submit an application:

• by phone;
• by email (e-mail);
• come to the office in person.

The necessary documents can also be submitted by email or brought in person. Many companies have the opportunity to apply directly online. Next, the specialist will contact the client and answer all questions and agree on the nuances of the process.

To carry out the work, an agreement is concluded, an advance or the full cost of assessing the property for a mortgage is paid to Sberbank.

A date for a specialist’s visit to inspect the property is agreed upon. The borrower provides access for a specialist to the property to inspect everything and take photographs. At this time, the necessary materials and documents are also transferred.

Next, calculations, analysis and reporting are generated.

Who evaluates apartments

Organizations or private appraisers who have received the appropriate license or qualification certificate can conduct real estate appraisals for obtaining a mortgage at Sberbank. A certified appraiser can be an individual or work for one of the companies, but in both cases the level of qualifications must be confirmed by a certificate or diploma of specialized training.

Most often, Sberbank employees offer a whole list of accredited organizations with which they cooperate. The borrower may be offered a company from a real estate agency if it is involved in the mortgage process. But the borrower has the right not to follow the recommendations, since he can order an assessment of the property for a mortgage from a private person or from any suitable organization.

Independent specialists

The category of independent appraisers includes individuals and companies who, for whatever reason, could not or did not want to be accredited by a credit institution. But the bank may refuse to study the assessment reports compiled under a valid pretext. Credit lawyers recommend immediately contacting employees of accredited companies, as this will help save not only time, but also money.

Bank accredited

Only pre-verified appraisal companies that comply with the bank's requirements can fall into this category. Such cooperation is beneficial not only to the organizations themselves, but also to financial companies for two reasons:

1. The bank receives home appraisal reports for mortgages in a timely manner. The submitted documentation meets all requirements.
2. The appraisal company receives a stable, constant flow of clients.

In most cases, a formal agreement is concluded between the appraisal company and the bank regarding the deduction of a percentage of the appraisal value indicated in the documents as a partnership fee for the financial organization.

Pros and cons of assessments in accredited companies

Many citizens prefer to order real estate appraisals for mortgages from accredited companies that have extensive experience. Among the main advantages of this solution are:

• Competence . The expert has the appropriate higher education, certificate and work experience of at least 3 years.
• High degree of reliability . Companies that are involved in legal proceedings cannot be included in the Sberbank register.
• Safety . The work of the experts is insured, so that in case of any mistake, all costs of the borrower will be compensated in full.

Among the disadvantages of assessing a property in accredited companies, one can only highlight the fact that it is impossible to agree with an employee of such an organization on inflating the cost of the apartment. The appraiser will not be able to amend the report if he discovers illegal redevelopment.

Is it worth ordering a report from appraisers without accreditation?

Formally, a borrower can order an apartment appraisal for a Sberbank mortgage from any company, even without accreditation. But then the bank will have to conduct a thorough check of such a company, compliance with legal requirements, level of business reputation, and the quality of previous work. This can seriously slow down the mortgage process; it can take up to a month.

We recommend that you familiarize yourself with the list of mortgage appraisal companies accredited by Sberbank and choose one of them. This way you will significantly simplify and speed up this stage of the transaction.

In addition, if the bank is not satisfied with the report of such a company, the quality of the work performed, or errors are found, the report will be rejected. You will have to do it again and pay for the assessment a second time. Sberbank may offer an appraisal firm to be accredited, then the company must meet all the specified requirements, and there should also be no criminal cases or bad reviews.

For your information. If it is fundamentally important for the borrower to use the services of a specific company that is not accredited by Sberbank, and the bank refuses this, you must make a request and receive a refusal in writing, indicating the reasons. If the reasons (in the opinion of the borrower) are not objective, he can file a claim in court.

Mortgage in Sberbank.

Today, Sberbank of Russia is the most popular banking institution for private individuals that provides mortgage loans. However, if all procedures for preparing documents in the bank are carried out by full-time employees, then Sberbank carries out an independent assessment using third-party contractors, namely, independent appraisal companies.

Legal Services is one of the few companies accredited by Sberbank! Confirming the accreditation of an appraisal company by Sberbank is quite simple. To do this, you need to go to the website https://sberbank.ru and to the “Mortgage Loans” section, selecting the desired type of mortgage, and in the right column download the file “List of appraisal organizations for working with individuals - borrowers of the Moscow Bank of Sberbank of Russia.”

Price examples

The price of assessment services depends on many factors, for example, on the volume and complexity of the work, the region matters, and the distance from the center of the settlement. What area needs to be inspected and photographed, how many objects (if private property) and many other parameters. The price of real estate valuation for a mortgage in Sberbank is much higher in the capital and St. Petersburg, in other regions it is one and a half to two times lower. Here are the approximate prices in Moscow:

• apartment – ​​from 5 to 7 thousand rubles;
• land plot - from 15,000 (less than 30 acres) to 50,000 (over 30 acres) rubles;
• house with a plot - from 15,000 to 50,000 rubles (remoteness, area of ​​the building and size of the plot are taken into account).

The cost of appraising an apartment in Sberbank

The premium paid by the borrower for appraising an apartment with a Sberbank mortgage depends on factors such as:

• the region in which the collateral is located;
• the pricing policy of the appraiser (price levels for a large company and a private appraiser can be very different);
• area and type of housing;
• the day on which the specialist is scheduled to visit (weekends are usually more expensive than weekdays).

It is logical that the cost of the assessment is 1-k. apartments for a mortgage and houses with a plot in an elite village outside the city will have a significant gap.

As for territorial differences, in Moscow and St. Petersburg prices will be maximum - from 5 thousand rubles. Prices vary in the region, the starting price is from 2 thousand rubles. Registration of real estate valuation by a Sberbank employee - from 3,000 rubles.

The cost of an assessment report for a Sberbank mortgage in Moscow and Moscow Region:

The whole process step by step

Let's look at the main stages of how an apartment is appraised with a Sberbank mortgage:

• First, we find a company from the list with accreditation, the most affordable prices and qualified experts;
• submit an application, sign an agreement (its content is defined in), make payment in full or in advance. The contract specifies the responsibilities of the parties, assessment tasks, deadlines, and costs;
• at the appointed time, specialists inspect the object and territory, take photographs, and make the necessary measurements;
• they consider not only the apartment, but the entrance, the area near the house, assess the state of communications, determine the presence of redevelopment;
• The company's specialists analyze actual and technical data. documents, create tables, graphs, certificates;
• upon completion of the work, prepare a report;
• together with photo and video materials, it is usually compiled in triplicate and given to the customer and the bank; the company will keep the 3rd copy for itself.

How is assessment carried out at Sberbank?

Most often, it is carried out when applying for a mortgage loan; an expert opinion is a mandatory document, since the property will be left as collateral. The appraisal of Sberbank's real estate should be of interest to the borrower only after receiving approval.

That is, first the borrower collects an initial package of documents, receives approval, and then the bank gives him 90 days to find a suitable property. If an object is found, you need to collect a set of documents for it, which includes an expert report from the appraisal company.

The assessment process will be as follows:

1. Study the companies accredited by Sberbank for apartment evaluation, operating in your city and region, and choose one of them. You should be interested in the price of the service and the speed of its provision. The price depends on the company’s tariffs, on the location and type of object, its area.
2. The specialist will point out the package of documentation that needs to be collected for the assessment.
3. The parties agree on a meeting. At the appointed time, a specialist goes to the site and conducts an assessment. Based on the results of its implementation, he prepares an act, which must be attached to the package of documents for the real estate and all this must be transferred to the bank to make a decision on issuing a mortgage.

The assessment period is about 5 working days.

Price factors

Many different factors influence market prices. Let's look at the main indicators:

• information about the apartment building - date of commissioning, material of the building, number of entrances and floors, degree of wear and tear of communications, and others;
• characteristics of the apartment - total and living area, number of rooms, presence and size of storage rooms, balconies;
• apartment with or without renovation, layout, ceiling height, type of decoration, type of bathroom;
• microdistrict infrastructure - distance from main transport, shopping centers, schools, kindergartens, hospitals, etc.

The company’s specialists also check encumbrances, illegal redevelopment, and utility debts.

How is the assessed value of real estate calculated?

Initially, there are 3 main approaches used in assessing collateral: comparative, income and cost. Most firms use a comprehensive method that takes into account factors such as:

• location of the object (region of the settlement, taking into account the development of infrastructure);
• the condition of the building in which the purchased apartment is located (number of floors, degree of wear, presence of common areas and areas, materials used in construction, etc.);
• the condition of the apartment itself (layout, presence of alterations, floor, common and living space, presence of a balcony/loggia, ceiling height, quality of repairs with a list of visible defects, condition of communications).

Additionally, the appraiser analyzes similar offers on the real estate market in the same city/region and takes into account the average price level.

The specialist determines the market and liquidation value of the property. The latter implies the price for which an apartment can be sold under force majeure circumstances and without a long wait. The market price is the price of an object if it is sold without haste and waiting for a better offer.

When to expect the report

The final report is stapled, certified, and usually three copies are made - for the client, the creditor and for your company.

How long does it take to appraise an apartment for a Sberbank mortgage? On average, about two days, if the documents arrive on time.

It’s not uncommon to have an accelerated assessment, everything will be ready within 24 hours, but it costs one and a half to two times more.

The terms and prices for appraising an apartment using a mortgage in Sberbank may increase if you need to appraise a large property consisting of several buildings and a plot of land with difficult terrain; such work can take up to 5 days.

The validity period of the provided report is established by law; it is valid for 6 months (reason -) . If the borrower does not have time to collect documents and conclude a mortgage agreement within six months, he will have to re-evaluate.

What documents are required

The appraisal of an apartment under a Sberbank mortgage is carried out by concluding an agreement with the appraiser and providing a set of documents, which consists of the following papers:

1. Title documents for the purchased property.
2. Cadastral passport + technical plan of the premises.
3. Borrower's passport (copy).
4. The purchase and sale agreement and any other document proving the basis of ownership of the apartment.

IMPORTANT! If possible, you should provide all available documents about the existence of an encumbrance, information about the owner in case of inheritance of housing, etc. This will reduce the time it takes to compile a report.

What data is included in the report?

What does the report consist of, what is located on these dozens of pages?

Requirements for the content of the report are specified in. Let's give a short summary below.

It begins with defining the goals and objectives of the assessment, indicating the date of concluding the contract and conducting the inspection.

The main part of the report consists of those indicators that were used for analysis and calculations, for example, the size of the object, the year of commissioning and others.

The assessment methods used for this object and the magnitude of the calculation error must be described. An expert opinion is given on the condition of the residential property, and the liquidation and market prices are calculated.

The report indicates all the company data - its addresses, licenses, policies, certificates. All video and photographic materials on shooting the object with comments from specialists are also attached.

Send a report to the bank

The report is an impressive document, several dozen pages long. An evaluation album for a Sberbank mortgage, stitched and certified, with attached photo and video materials, is handed over to the customer.

First, the electronic version is provided to him and the bank via email. Then the original can be received by courier or in person at the office.

Also, the company’s courier can deliver a copy to the Sberbank office or give this copy to the borrower. A paper version of the report may be required when agreeing on it with the bank and signing the loan agreement.

How are grades adjusted?

If the borrower does not have extra money, then he needs to take the entire amount that the seller demands for the apartment from the bank. But the bank will give 75-80% of the calculated price. And if the independent assessment of the apartment for a Sberbank mortgage turns out to be less than what the seller asks for, then it is no longer possible to buy this property under the original conditions. In such a situation, you will have to increase the amount of the down payment, because the bank will issue 80-85% of the appraised value.

Very often in such situations, customers try to agree on inflating the amount of the report to the required amount with the company executing the order.

Not every appraiser will agree to this; he risks his reputation. If Sberbank finds out about the amount adjustment, the borrower will not receive a loan, and the appraisal company will be excluded from the list of accredited mortgage appraisers of Sberbank.

Important to know: Overpriced mortgage: risks for seller and buyer

Purchase and sale agreement with a mortgage - important points for the seller and buyer

If the appraiser agrees to such an adjustment, then it must be done very carefully. The price range for similar properties is, of course, quite large, but the difference from the calculated market value should be on average 20–25 percent higher.

The bank is rather interested in understating the value of the property, so it controls the situation with the reports. If he has a serious suspicion of distortion of value and has the opportunity to somehow prove this fact, then he will challenge the assessment amount through the court (ground -).

The legislation provides for sanctions for distorting data on the cost of housing. The risk costs money, and you will have to pay extra for such an adjustment.

Assessment for Sberbank

Real estate valuation for Sberbank is the determination of the market value of the collateral, which allows you to calculate the real value of real estate that is fair and acceptable to both the bank and the borrower. Collateral is the most effective way to secure loan obligations.

Sberbank appraisal , carried out by specialists of our company, is carried out in strict accordance with Federal appraisal standards and all Sberbank requirements for a report on the assessment of the market value of real estate for obtaining a mortgage.

The appraisal agency is accredited by Sberbank for real estate appraisal. We are official partners of the bank. Register of appraisal companies on the Sberbank website: link>>>

In order to find us in the registry you need to:

1. Click on the link List of appraisal organizations
2. Save file
3. In the saved file, click Find . In the field, indicate the name of the organization Ocenka-24 (required with a hyphen)
4. See OTSENKA-24 LLC

Domklik assessment is the most modern method of calculations and electronic document management for the assessment of apartments and countryside real estate under a mortgage with subsequent transfer of information directly to the Sberbank Real Estate Center. Our appraisers use special software - the Domklik system from Sberbank . The company Assessment-24 is included in the list of organizations accredited by Sberbank that use the Eva Domklik .

The appraiser is accredited by Domklik for real estate appraisal. We are official partners of the bank. List of appraisal companies on the Domklik website: link>>>

To find us on the list you need to:

1. Indicate the locality where you need to make an assessment. We work in Moscow and all areas of the Moscow region
2. In the page search field (F3 key) enter the name of the organization Ocenka-24 (required with a hyphen)
3. See OTSENKA-24 LLC

Secondary housing ▼

Valuation for a Sberbank mortgage - we are ready to carry out an appraisal for Sberbank in order to determine the collateral value. Our task is to prepare a report on the assessment of the value of the property (collateral value), determining for Sberbank the most accurate and fair market value of the property considered as collateral. Sberbank is primarily interested in assessing the value of an apartment (room, house, land) for mortgage purposes ( appraisal of property for collateral in Sberbank ).

The list of Sberbank accredited appraisers includes companies operating in the appraisal services market for which Sberbank accreditation . You can find us on the official website of Sberbank, in the section where the list of Sberbank appraisers .

Appraisal companies of Sberbank of Russia are appraisal companies accredited by Sberbank for working with borrowers taking out a mortgage loan or another type of loan from Sberbank of Russia or registering collateral for real estate if you need a real estate appraisal for a Sberbank mortgage .

Our appraisal company is accredited by Sberbank of Russia, received accreditation of appraisers at Sberbank and is included in the list of accredited appraisal companies of Sberbank for working with individuals throughout the Russian Federation, regardless of the region. The full list of Sberbank appraisal companies ( registry of Sberbank appraisal companies ) can be viewed on the Sberbank website. There is a complete list of appraisal companies accredited by Sberbank .

Appraisal company in the Sberbank register , valid in all regions of Russia.

A report on the assessment of the market value of an apartment for a Sberbank mortgage has the status of an official document.

Objects we evaluate:

Property valuation for Sberbank is carried out in several stages. As a result of the application of three main approaches to Sberbank valuation , an integrated approach is developed, which involves, depending on the tasks and goals of the procedure, a comprehensive study of objects, their characteristics and various types of value. We offer ample opportunities for a fair and high-quality assessment for Sberbank , taking into account the interests and desires of both parties. We will prepare the report in such a way that it will be much easier for the bank to make the necessary decision.

The apartment appraisal report for a Sberbank mortgage is numbered, stitched and sealed with the company’s seal. We will independently deliver the report to your manager (or to you personally) at the Sberbank branch. The Sberbank Credit Committee, taking into account information about the real market value of the apartment indicated in the report, will make a decision on issuing a mortgage loan. If the report is prepared by our company’s specialists, then the decision in most cases is positive.

Assessing the market value of an apartment for Sberbank or Assessing the market value of a room for Sberbank in modern conditions requires a multifaceted approach to the valuation process. When carrying out activities related to assessing the cost of an apartment for a mortgage, not only the distinctive features of the apartment that is being assessed are taken into account, that is, the distance from the main urban infrastructure, floor, area and layout, but also the objective estimated value when evaluating the apartment. In large cities, external factors also play a huge role: proximity to a metro or railway station, distance from the center, environmental cleanliness of the area.

Appraisal companies that professionally assess the market value of an apartment and prepare an apartment appraisal report for Sberbank carry out this set of activities within one to two days. If the customer needs an urgent assessment of an apartment for Sberbank , then we are ready to issue a report on the assessment of the cost of the apartment urgently.

An urgent assessment of the cost of a Sberbank apartment does not in any way affect the quality of the assessment report. This is due to the fact that we have our own software for assessing the market value of all types of real estate, which allows us to reduce time costs and prepare the documents necessary for a positive decision in the bank in the shortest possible time.

Estimating the cost of an apartment with a Sberbank mortgage during sale is the same necessary phenomenon as signing an agreement. The cost of apartments on the market is quite different, so there is always a certain range when carrying out the procedure for assessing the cost of apartments. Appraisal of an apartment for a Sberbank mortgage must be carried out professionally, in compliance with all client requirements and laws on valuation activities; in this case, the option of selling the apartment will be optimal.

Land valuation for Sberbank or house valuation for Sberbank . Carrying out the necessary measures to evaluate real estate allows you to take into account all the features and subtleties that can influence the real price of real estate and the market attractiveness of the property. It is the price determined by the expert that becomes fundamental for the bank. The loan amount will be calculated based on the specified estimated value.

Estimating the cost of an apartment for a Sberbank mortgage is the basis for conducting a competent transaction with an apartment; you can always submit the necessary documents to complete the transaction procedure.

Copies of documents can be sent by email. This e-mail address is being protected from spambots. To view it, you must have JavaScript enabled during the assessment process or before our specialist visits the site.

Depending on the purposes of the assessment, this list may be supplemented; please check the list of required documents with our specialists.

This is what the result of our work looks like - an assessment report in accordance with current legislation:

Features of private property assessment

How is a house with a plot valued? At the inspection stage, it is necessary to provide the appraiser with access not only to the main premises of the house, but also to provide a basement, attic, auxiliary buildings, and plot of land for inspection (the procedure is prescribed in).

Also, for private ownership, it is important to determine the so-called cost zone, the maximum and minimum prices in this zone. Each cost zone is characterized by such parameters as the distance of the site from transport, local infrastructure, ecology, communications and others.

For such complex objects with land, important indicators are:

• number of acres of land;
• status of the site (land category) – individual housing construction, country house, garden;
• shape of the site;
• asphalt convenient entrances;
• evenness of relief and others.

The cost of assessing a private property with a plot of land is on average more expensive than appraising an apartment. The price increases depending on the distance of the land plot from the city, the number of additional buildings, the complexity of the terrain and other parameters.

In Moscow, the valuation of a plot of, for example, 20 acres is on average 25,000 rubles (inside the Moscow Ring Road), in the region it is only 15,000 rubles. House 200 sq.m. with a plot - 50,000 rubles (within the Moscow Ring Road), in the region 18 - 20 thousand rubles.

From the methods of assessing a house for a mortgage at Sberbank, specialists select the most suitable one, for example:

• the analog method is used for houses in urban areas;
• income method - for commercial non-residential real estate and liquid apartments;
• the cost-effective method is well suited for new construction in cottage communities;
• An integrated method is often used, especially for land plots.