How to get a mortgage for an apartment in Sberbank without a down payment

What is needed to get a mortgage

Before deciding to take out a fairly serious loan, a future borrower should always be interested in the conditions offered by a particular financial institution. Now one of the largest and most stable commercial organizations is Sberbank.

If we touch more specifically on the terms of mortgage lending of Sberbank, we can say that it has plenty of programs for this type of service. This bank offers the following types of mortgage lending:

Buying housing on the secondary market.
Buying a home in a new building.
Assistance in housing construction.
Country housing.
Garages.
Housing for military personnel.

Periodically conducted opinion polls show that many residents of the central regions choose Sberbank. They are satisfied with a mortgage, the terms of which are the best on the Russian long-term loan market.

DomClick - what it is and for whom it is created

In 2021, the DomClick service launched. Sberbank, when creating it, pursued several goals at once:

an increase in the number of real estate purchase and sale transactions, and therefore own profit in the form of interest on loans issued;
transferring document flow to electronic format, reducing queues in offices, optimizing staff work;
providing buyers with access to the most complete database of apartments, houses, and rooms for sale. As online mortgage reviews on DomClick show, you can live in Vladivostok and buy a cottage in the Leningrad region. You don't have to constantly cross the country. To conclude a transaction, one visit to the bank will be required.

Practice shows that the service works; its services are used daily by thousands of people who want to save time on completing real estate transactions. But any undertaking has both positive and negative sides that deserve special attention.

Conditions for obtaining a loan

To participate in one of these programs, you must meet certain conditions:

Be a citizen of Russia.
Be twenty-one years old at the time of purchasing the home. But the loan is not issued to citizens after the age of seventy-five. For the military, the borrower's age limit is up to forty-five years.
Have a residence permit in the region where the loan was purchased.
Work in one place for at least six months and have a total work experience of more than one year in the last five years.

What conditions does the bank offer?

When choosing options for purchasing a home on credit, you need to understand the concept of a mortgage. Reviews (those who took long-term loans from Sberbank will agree with us) are quite optimistic, and many applications are satisfied on the first try. Also, judging by statistics, if the borrower has a good credit history and a sufficiently high salary, he has every chance of getting the desired loan.

Many clients are satisfied with their choice and speak highly of Sberbank, as it offers a convenient payment scheme. You can repay the loan early, either in full or in part, without charging a commission.

The bank offers a lower interest rate on the loan when compared with other financial institutions. There is no commission fee charged for processing and issuing a loan. The mortgaged housing is used as collateral. If the purchased home becomes collateral, then another percentage is added to the basic loan rate. Provided that the collateral is not mortgaged property, the bank will not charge additional interest. But such conditions are valid immediately before the loan is issued.

A mortgage can be taken out in the amount of fifteen million rubles if housing is purchased in the Moscow or St. Petersburg regions. For other regions the limit is eight million rubles.

Reviews about purchasing real estate through DomClick

Everyone decides for themselves whether to accept the information presented below for consideration. It is important to understand that people tend to share negative emotions more often than positive ones.

On the Internet you can find the following reviews about contacting DomClick:

Svetlana:

Registered on DomClick. I calculated the mortgage in advance. I took into account that I have a SB salary card, but I don’t want to buy insurance. I submitted my application and received preliminary approval. I selected an apartment, paid for the appraisal, and checked its legal integrity.

I uploaded all the documents to the website and sent them for verification. What a shock I was when I received a refusal. I called the accompanying manager. She replied that the system automatically checks documents. To my question, who will return the money for services I don’t need, I never received an answer. Even if I wanted to, I cannot consider my experience with DomClick to be positive.

Elena:

My husband and I have had a mortgage for a long time. Now the main thing is not to forget to renew your insurance. And this is where DomClick came in handy for us. I set the parameters of the property, indicate the amount of debt, and select an insurance company from the proposed list.

What do you like? The fact that you don’t need to go anywhere at all. I paid for the policy on the spot and it was immediately sent to the bank. I don’t pay penalties, bank employees don’t call me and tell me that the insurance period has expired. I don’t know how the other services work, but so far I like everything.

Ivan:

Now everything is behind us, the apartment has been purchased. I'm paying off the debt. I liked working with DomClick. The property was purchased on the other side of the country. And I didn’t have to fly back and forth to sign all the contracts.

Recommended article: How to calculate a mortgage online at Sberbank - instructions

But the electronic registration service is still far from perfect. Or I came across an incompetent Sberbank employee. The first time the registration notification file arrived empty. No document in it, no signature, nothing.

And the manager tells me that checking the content is not his task. What came from Rosreestr, he gave it to me. I had to talk with the leadership of the young talent. And lo and behold. A request for a duplicate extract was immediately sent. But, really, we had to wait a little longer.

Sergey:

What attracted me to DomClick was that they write that they check both realtors and real estate. But in reality, apparently, the admins do not work too fast. I called five apartments from one agency, all of them have already been sold. And information on them hangs. I found myself a two-room apartment. But I had to make a lot of calls.

Yvonne:

I don't belong to the older generation. But I don’t trust electronic documents much. And I was skeptical about Sberbank’s proposal to formalize the deal through DomClick. For a month I was worried that I would lose money. And my relatives constantly reported that I would be left without square meters. But yesterday, I finally received an extract from the Register and saw that I am the owner of the three-ruble note.

Maria:

I am calm about the desire to transfer everything into electronic format. And I liked Sberbank’s offer to register an apartment on DomClick. It’s a little annoying that you have to fill out an appraisal without knowing whether the loan has been approved. But overall everything is fine. Another organizational disadvantage is problems with sending scanned documents. I had to duplicate it 3 times.

Garik:

I can not say anything. Design, like design. The same documents. Only I didn’t go to the bank with them, but scanned them and uploaded them to the website. I waited for an answer, paid the down payment, arrived at the branch, and signed the contract. Maybe it’s on my side that I chose the apartment from an accredited developer, or that I receive a good salary into my account in the Security Service itself. Don't know. But I didn't have any problems.

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Author:

Mortgage specialist Maria Yurievna Sokhan

Publication dateJune 17, 2019September 27, 2019

Sberbank and maternity capital

If you answer the question whether it’s worth taking out a mortgage, you can immediately answer: “Yes, it’s worth it.” Especially young parents who were issued a so-called maternity capital certificate at the birth of their child. Thanks to this subsidy, a family can solve their housing problem on more favorable terms.

According to the Sberbank program for young families, with the help of maternity capital, you can take out a loan for housing from the secondary market or move into a new building. The certificate covers the down payment, allowing you not to use your funds.

Advantages of working with DomClick

The main and undeniable advantage is the most extensive real estate database. Sorting by region, type, cost, number of rooms, number of floors of the house is provided. You can focus on working with a specific realtor or choose based on square footage and the availability of finishing. Apartments and houses are presented on the primary and secondary markets, with and without renovation, etc.

Domklik from Sberbank - how to get a discount?

The benefits of working with DomClick do not end there. Additional advantages:

The site contains information only from verified sellers and realtors. Everything is done to minimize risks for the buyer;
you can order an assessment of the selected property, price analysis (in a given segment, area, residential complex, etc.);
Upon application, experienced lawyers check the legal purity of the apartment: the presence of hidden heirs and owners, registered incapacitated and minor citizens;
There is a secure payment service. The buyer's money is credited to a special account of the Real Estate Center. As soon as information about registration of the transaction is received from the Unified State Register of Real Estate in the manner prescribed by law, the amount is transferred to the seller.

Recommended article: Which bank to get a mortgage without permanent registration

Mortgage and crisis

Due to constant instability in the country, the population cannot decide whether to take out a mortgage. The forecasts of many analysts are disappointing, and everyone is inclined to believe that interest rates on loans will only rise. But, despite such pessimistic views, one thing can be said: real estate will be in demand and relevant at any time. Therefore, from the point of view of investment, this is the right step, although quite risky.

Advantages of a mortgage

Given the difficult situation in the country, naturally, many doubt whether it is profitable to take out a mortgage and whether they will be able to pay it. In an unstable economy, such collateral is beneficial in its own way. Firstly, housing prices are constantly rising, and it is constantly impossible to raise the required amount. Secondly, if you take out a loan before credit rates increase, the terms of the contract will not be renegotiated, so the borrower will be in a very advantageous position.

Sberbank in this regard is a very convenient option, since its interest rates are quite low, and there are programs for each category of the population. In addition, the bank offers a very convenient debt repayment system. You can pay in any way: repay in installments, pay a clearly established amount in the contract, or, if necessary, pay off the entire debt at once. It all depends on the client's capabilities.

When the question arises: “Where is it profitable to take out a mortgage?” You can contact Sberbank without hesitation. The reason for this decision will be not only fairly convenient lending conditions, but also the reliability of the financial institution. Sberbank has been occupying the very first places in various stability ratings for several decades now. Even according to a foreign rating scale, it is a leader among other commercial organizations.

But, given the high status of the bank and the fairly serious support of the state, it, accordingly, makes strict demands on its clients. In addition to providing a large number of certificates, you must have a good financial position.

How to get a mortgage for a house or secondary housing in Sberbank?

The rules for granting a mortgage on a house or secondary housing at Sberbank are set out in the terms and conditions of these types of loans. The amount of such a loan is usually from 300,000 rubles. for up to 30 years. There are no special conditions for obtaining a loan for the construction or purchase of a house, as well as for the purchase of secondary housing at Sberbank. The future borrower must meet the same requirements, provide the same documents and ensure full repayment of the loan as in all other cases of obtaining a mortgage.

Negative aspects of a mortgage

To familiarize the population with the loan products offered, Sberbank publishes a number of brochures in which it explains the essence of the concept of “mortgage”, reviews of who took out long-term loans, their recommendations for obtaining, and the pitfalls of this type of lending. Many are satisfied with their bank and choice of mortgage, others are outraged because they were refused or offered completely unacceptable conditions. In general, there will be more positive aspects, but despite them, there are common negative features that any type of mortgage has:

If the mortgaged property is collateral, it cannot be sold.
Quite large amounts of payments, sometimes unaffordable for ordinary families.
If, under certain circumstances, payments stop, the bank may put the mortgaged home up for sale.

Positive aspects of a mortgage

A mortgage, regardless of the chosen commercial organization, has several features. Among the positive aspects, the following can be highlighted.

It is quite profitable to purchase apartments that have just been built. Every year the demand and price for such an apartment will only grow.
If the borrower works officially, he can demand from the state a refund of 13% of the funds that are allocated to the state. This money can be redirected to pay off the loan.
Many banks, including Sberbank, understand that due to the difficult economic situation, a person may lose his job or, due to force majeure, lose the ability to repay a loan. Therefore, if such a situation arises, the borrower can contact his bank and write an application for deferment. But no more than six months. During this time, you can find a job or eliminate your unforeseen circumstances.
When a borrower has life insurance and something happens to him, then in some situations the remaining amount of the loan can be covered by the insurance received.

So is it worth taking out a mortgage? Taking into account all the nuances, we can confidently answer: “Yes, if there is a stable salary and a desire to invest in real estate.”

Sberbank is one of the most popular financial services on the market. The mortgage conditions offered by this institution are the best throughout the Russian Federation.

conclusions

By browsing and carefully studying the forums, reading numerous reviews, we can conclude that for the most part all the problems that lead to the negative formation of opinions occur due to the lack of responsibility of individual employees. It is worth knowing and taking into account all existing pitfalls, being prepared for a long review of the application and possible program failures.

In this case, mortgage lending from Sberbank will show its best and most profitable side. After all, this is one of the few banks that always meet borrowers halfway, can significantly reduce annual rates, revise existing contracts and do not impose huge sanctions for a short delay . So, in the end, after analyzing all the reviews, we can say with confidence that a mortgage from Sberbank is currently the most profitable and affordable.