Paying for a Sberbank mortgage - ways to pay online, instructions

Sberbank's new secure payment service for mortgages helps save time when conducting real estate transactions. Cases when an apartment is purchased in another city, region or even region have long ceased to be rare. In such situations, many problems arise with the money transfer service. In some situations, additional expenses are required, in others, the risks of becoming a victim of fraud increase, and in others, difficulties arise with paperwork. SBR from Sberbank solves many issues, providing the opportunity to conduct a reliable and quick transaction for the acquisition of real estate.

What is a secure payment service?

Real estate transactions involve turnover of large amounts of money. A buyer moving cash is at risk of losing it or being deceived by a counterparty. Depositing money into bank accounts entails additional expenses and, due to official registration, taxation. Sberbank's secure settlement service is a portal of a bank subsidiary that allows you to pay for a transaction online after completing all the necessary actions for the purchase and sale.

Thanks to the service from Sberbank, there is no need to personally visit the office to rent a safe deposit box or pay for contingent monetary obligations. By registering on the portal, the purchaser transfers his money to a nominal account in the Real Estate Center. When the agreement is confirmed by Rosreestr, the seller’s account will be replenished with the amount specified in the agreement. Selling and buying an apartment is fast, simple and safe.

The services of the Internet portal can be used by both individuals and legal entities, for example representatives of construction companies. If the purchase of housing is intended without the participation of borrowed funds, the type of development does not matter. The premises can be new or already put into operation; you can buy an apartment, a room or a share of living space.

In the case when the buyer uses mortgage programs from Sberbank, the type of housing must comply with the lending conditions. That is, funds for the right to purchase an apartment on the secondary market cannot be used in shared construction or for independent construction of a house.

What brokerage services does Sberbank have?

In general, Sberbank positions its brokerage activities precisely as investing. This seems to me to be misleading to many people. In my understanding, investing is the purchase of long-term securities. During this long period, part of the assets can be purchased into the investment portfolio or discarded. And under this slogan Sberbank gives access to:

1. To shares of Russian companies on the Moscow Stock Exchange
2. To bonds of Russian companies
3. To commodity futures
4. For futures and options contracts on stocks, stock indices, and foreign currencies
5. To transactions with Eurobonds on the over-the-counter market
6. To the over-the-counter market, where you can buy shares of foreign companies
7. To invest in ETFs (an ETF is an investment fund that uses investors’ money to conduct transactions in economic sectors)

There is a place to roam, whether for a beginner or an experienced trader. All that remains is to figure out where to actually start. But this is a very broad topic. Let's touch on it partially. But in general, I’m going to brainstorm well in a separate article about trading. Read it, in case you are still dealing with this topic with rose-colored glasses.

Benefits of the service

For both participants, the secure payment service has a number of undeniable advantages. A common positive quality is the security and reliability of the transaction. You don’t have to carry a large amount of money in a bag and you don’t have to look for a place to check it. In addition, the electronic portal allows you to save time, which can be successfully spent on drawing up contracts and registering documents, since enrollment and transfer are made online from home or any other place using a mobile application.

A nominal account on the CNS portal is a virtual service created for the buyer to deposit money, store and transfer capital to the seller’s account.

Benefits for the buyer

The buyer's risks in real estate transactions are quite high. In case of fraud, a person risks losing money and being left without an apartment. Therefore, a secure payment service will be a good guarantor of financial security and quick purchase of housing, this is the following:

1. Quick registration, after which it’s easy to start using the portal.
2. Transfers are made online, there is no need to cash out capital.
3. Save time on counting and checking the authenticity of banknotes.
4. There is no need to enter into additional agreements when accepting and transferring money, etc.

Until the transaction is officially registered in the Unified State Register of Real Estate, Sberbank provides protection of financial resources. After the certificate of execution of the purchase and sale agreement, the payer will receive a notification that his funds on the Sberbank central nervous system have been transferred to the recipient.

An important nuance should be noted: the secure payment service guarantees the safety of money and timely exchange of capital, but does not ensure transparency of the legal side. Therefore, it is important for the buyer to thoroughly check the history of the future home.

Benefits for the seller

An honest real estate seller has nothing to risk. Upon completion of the agreement, he will automatically receive financial resources to the specified account with the details. The secure payment service will protect it:

1. From the possibility of receiving counterfeit banknotes.
2. No need to come personally for payment.

The money will be credited to the seller at lightning speed as soon as the transaction is confirmed.

Trading through the Sberbank Investor application

Installation on a Sberbank Investor smartphone

In order to install the application, you need to go to the website and type “Sberbank Investor” in the search bar.

In the search bar we type Sberbank Investor

The Sberbank Investor application looks like this in Play Markete:

Find the Sberbank Investor application in the Play Market

Click Install, selecting those mobile devices that are linked to your Google account. I did this entire procedure from my computer. And after these manipulations, the “Sberbank Investor” shortcut automatically appeared on the working window of my smartphone.

Sberbank Investor application on a smartphone

Now click on the Sberbank Investor icon on your smartphone. In the window we will be asked for the brokerage agreement number and password.

To enter Sberbank Mnvestor you need to know the brokerage agreement number and password

It is impossible to work in the Sberbank Investor application if you do not have a brokerage agreement with Sberbank.

Well, if you have one, then enter the contract number and request a password by clicking on the “Get password” button below.

In the screenshot above, this button is highlighted in orange.

Here the security system will again ask us for the brokerage agreement number and send an SMS. I was unable to log in using the password the first time. Everything froze, although my Android is very fast and I entered the data correctly. The system never went down.

When entering the password, Sberbank Investor simply froze

A little later I had to re-enter the brokerage account number and password sent in SMS format. The second attempt was successful and I am in the Sberbank Investor system, although not right away. Another SMS came with a more complex password. This is a temporary password generated automatically by the system.

Entering a password to log into Sberbank Investor

After that I was already inside the system. And I immediately click on the bottom panel, selecting “Market” - “Shares”. It takes me here.

This is what Sberbank Investor looks like on a smartphone

Are the charts and loading of quotes in Sberbank Investor delayed in comparison with real trading?

I want to compare how far behind real trading in the app is compared to real trading?

On the screenshot from Sberbank Investor at 17-32 Moscow time the stock quote of Sberbank is 257.13

Current quote of Sberbank shares in the Sberbank Investor application

It took me a few minutes to take a screenshot from the Quik program, where there is no longer a demo version of the site, but a real Quik terminal, where trading takes place in real time without any delays.

In Quik, at 17-34 Moscow time, the current quote for Sberbank shares is 257.08.

The price changed in 2 minutes, but in general nothing lags behind real trading. That's a plus!

Changing settings inside Sberbank Investor

Now let's try to switch the chart from linear to candlestick, or, in the worst case scenario, to bar chart. I didn’t find any buttons or hints to do this.

This is a minus!

The only thing you can do is to switch time intervals by clicking on the round green buttons:

1. Interval: 1 day period/5 minutes interval
2. Interval: 1 week period/30 minutes interval
3. Interval: 1 month period/2 hour interval
4. and so on until the interval: period 10 years / interval 1 month

This is not enough for trading or even investing.

I think whoever developed this application and those who implemented it did it for a different purpose. With the prospect of people switching to trust management. Because no experienced trader will work through this application.

I, never and for any money! You'll quickly lose them all here.

We sell and buy shares through Sberbank Investor

To sell or buy shares of the same Sberbank, you need to click on the green or orange button. Above in the screenshot these buttons are clearly visible, but I’ll duplicate them for you in close-up again:

And do you think you will buy shares after this? No! Throws it into the window where you need to enter the code from the SMS, which should arrive on your phone. By the time I found this SMS in my phone feed and entered it, an eternity had passed.

Sberbank Investor is not suitable for speculation at all!

If we take investing, the meaning in the very name of the application is also not suitable. I don't know how to make a decision based on such graphs. Yes, even on such a small screen, if I have a computer monitor like a medium-sized TV.

But in the “Ideas” tab of the lower menu, investment products are immediately offered: low, medium and high level.

“Ideas” tab Sberbank Investor

Low level of risk in trading through Sberbank Investor

When we click on the “Ideas” tab, we get three levels of investment along with Sberbank. By default, I immediately have “Low Investment” open. Which is also, most likely, not just like that. This should interest clients of any social level). That’s why they immediately write that the income is higher than in the bank and taking into account inflation.

And anyone will most likely think that this is an excellent investment option.

He will say: “After all, with these shares everything is so complicated and there is no guarantee of earnings, but here there is a guaranteed income.”

Let's start with bonds in Sberbank Investor. Here is an example of the first sentence that came up in “Low Investment Levels”:

Let's open the very first one on the list and take a look.

Not a bad option for an investor who knows nothing about investing. And wait only a year. These are approximately the investment ideas offered by Sberbank Investor in “Low Risk”.

And here are the following investment ideas:

Moderate level of risk in trading through Sberbank Investor

Here are the following investment solutions with a recommended investment period of 3 years and a potential return of 10%:

1. US Stock Fund
2. US IT stocks-ETF
3. Chinese company shares
4. German company stock fund

We select this tab and immediately see proposals for investment ideas.

These are already riskier investments for a period of more than one year. And this is already a risk. After all, it is unknown what can happen in three years in our troubled world. One of the investment options is in some kind of exchange-traded fund with a profit in case of rising prices and dividend payments from Chinese young companies.

High level of risk in trading through Sberbank Investor

Here are presented only shares of such Russian companies with a recommended investment period of 3 years and a potential return of 15%:

1. Yandex
2. MTS
3. Norilsk Nickel
4. Lukoil
5. LSR Group

Investments in these stocks are recommended for three years or more. These are already tools where no one guarantees growth. It is only predicted based on the performance of these companies.

How security is ensured

Sberbank launched a secure payment program after researching the market for buying and selling real estate. In some regions, preference was given to cash payments, despite the presence of safe deposit boxes for rent in Sberbank centers. It was possible to attract new clients with the help of SBR; citizens liked the idea of ​​a safe and fast way to pay for real estate.

The service has become widespread in transactions involving clients who have applied for a loan. Through the Real Estate Center portal, Sberbank allows you to carry out contracts with the assistance of other banks, if they agree to this option.

The security of the purchase and sale is ensured by the fact that financial resources are transferred to the account of the selling party and become available only if the relevant documents are fully completed. In cases where the second party intentionally or accidentally delays registration, the buyer can refuse to interact and withdraw his money from the account.

Refund and termination of contract with CNS

The Sberbank Mortgage Real Estate Center takes into account the interests of both parties, therefore unilateral termination of the contract is not provided. To cancel the SBR, the buyer and seller must come to the office and write an application to cancel the agreement. Only after this the buyer receives funds to the specified bank account.

An agreement when using the service is mandatory; it establishes the obligations of all parties involved. Conveniently, the agreement can be easily terminated and the funds returned to the buyer’s account. At the same time, you need to remember: if the seller’s account is opened in another bank, a commission may be charged for crediting funds. It is recommended to find out the exact terms of service in advance to avoid unexpected costs.

System operation schemes

The secure payment service from Sberbank is simple and easy to use. By following simple instructions, you can quickly and safely complete a purchase or sale transaction. Algorithm of actions:

1. Log in to the portal and create a deal.
2. The buyer must transfer the amount specified in the agreement to the Sberbank account.
3. The bank is responsible for the storage and security of funds until the transaction is completed.
4. The second party fulfills its obligations: registers the contract, produces and transfers the goods or performs the service.
5. The buyer or receiver marks the agreement on the portal. In the case of real estate, the fact of the transaction is confirmed by documents from the Unified State Register of Real Estate.
6. An automatic transfer of funds to the seller's account is made.
7. The parties are notified of the completion of the transaction.

When a buyer applies for a loan to a bank, the financial institution replenishes the account after registering the loan, then the full amount is sent to the other party. It is possible to top up your account when using a package of services by self-collection through ATMs.

The devices are capable of accepting 200 banknotes at a time and are available for use around the clock. The process of depositing large amounts is safe, convenient and fast. After depositing, the denomination and number of banknotes are recorded on the screen. Security is ensured through the use of a personal account with a unique login and password.

Preparing for a safe transaction

The “Safe Deal” is issued only by Sberbank mortgage holders - they are extremely busy people, so it is worth agreeing in advance about the time to visit the office. Otherwise, you can wait in the office for more than one hour, or you may even have to leave with nothing.

During a preliminary visit to the Sberbank office, you need to find out:

• at what time the manager will be able to issue a “Safe transaction” without waiting in line;
• what documents will be required, whether originals are needed or copies are sufficient;
• How exactly to specify the terms of payment in the purchase and sale agreement for a real estate property.

As a rule, to process secure payments, a purchase and sale agreement, civil passports of the parties to the transaction, and account details of the seller are required.

You will also definitely need a Sberbank debit card and a separate savings account, from which the commission for bank services and the fee under the purchase and sale agreement will be debited.

Requirements and necessary documents

Any Sberbank service has certain conditions that its customer must meet. For the secure payment service, the applicant must have Russian citizenship. Legal organizations using the portal are required to provide documents relevant to their activities. Organizations can act in transactions on the part of the seller of real estate or the person assigning the right of claim.

On the secure payment service, only direct agreements between two parties are legitimate, thus eliminating chain-type shady frauds. The number of accounts to which funds are transferred upon completion of the transaction is two.

If the owner is listed as the owner for less than three years, he is required to pay income tax when selling the apartment. In an effort to avoid this scenario, many owners in real estate transactions deliberately underestimate the real cost of the apartment in contracts on the secure payment service. Thus, when an agreement is concluded, it indicates a lower price for the property, and the buyer pays the remaining amount in cash or other means.

A significant drawback of such an agreement is the fact that in the event of possible termination of the purchase and sale of housing transaction, the buyer is returned only that part of the amount that is indicated in the application on the portal. And funds transferred in another way may remain in question.

A receipt for the transfer of a certain amount of money has legal force. But in order to get the funds back, you will most likely have to go to the courts. The trial procedure will take time and require new material costs. Therefore, transactions with reduced prices are justified only in cases where the counterparty is reliable and the history of the property is transparent and clean.

When concluding an agreement through the secure payment service, the following documents are required:

• from the purchaser - the borrower’s passport;
• payer's TIN;
• from the receiving party - an identification document of an individual, or a certificate of registration for legal entities;
• the seller must provide account details to which the money will be transferred.

A common document drawn up by both parties - a purchase and sale agreement - is also submitted to Sberbank.

Methods for ensuring transaction security

As mentioned earlier, a high level of security of transactions is ensured due to the fact that before being transferred to the seller, the funds are in a special protected account. In this case, the seller will not be able to access them until the transaction is fully completed and all necessary documents are completed. Thus, it is possible to almost completely eliminate the possibility of fraudulent actions on the part of the seller. The buyer will also not be able to deceive the seller, since he will be able to return access to his funds only if the transaction is terminated by mutual consent. In such a situation, he must provide the banking structure with documents confirming the fact of termination of the transaction.

Considering the banking structure in recent years, it has actively popularized the described service in those areas of our state that are characterized by the transfer of money for the purchased housing until it is registered in the name of the new owner. Since the buyer is at great risk when transferring funds before registering ownership rights, the described service has become extremely popular in these regions of our state.

Today, the described service is often used by clients of the described banking structure to complete transactions with real estate, for the purchase of which borrowed funds were used. Recently, Sberbank provided our compatriots with the opportunity to use the service of protected transactions even if they took out a mortgage loan in third-party banking institutions.

Service cost

The assistance provided by the secure payment service is not free. Regardless of the cost of the property being sold, the payment is 2,000 rubles. However, there are several parameters that may affect its cost:

1. When crediting funds from accounts of other banks, a commission is charged. The amount of the contribution depends on the standards established by the financial institution.
2. Discounts provided by Sberbank to its clients and certain segments of the population.
3. If funds are transferred from an individual to a legal account or vice versa, a commission must be paid.

The service includes opening a virtual account, checking and confirming the change of owner of the apartment, crediting and transferring finances from the buyer to the seller.

The fee for most applicants is 0.8%. The secure payment service is in great demand in the real estate market. It is reliable and easy to use, saving time and money when purchasing housing in different regions.

What commissions are there when trading through Sberbank?

Commissions for transactions on the Stock market

Commissions on the Derivatives Market

Commissions on the Foreign Exchange Market

Financial settlements after registration

To complete the transaction, the buyer will need a savings account and debit card. The account must contain an amount equal to the price of the property under the purchase/sale agreement, plus the cost. For example, if the price of an apartment is two million rubles, the buyer’s account should have an amount of 2,003,000 rubles.

After signing the documents, the money is transferred from the buyer’s account to a special account in Sberbank, where it is stored until the transaction is closed.

Notification of funds being credited to a nominal account

The bank independently requests from Rosreestr information on registering the transaction. After receiving data on the registration of property rights, the money is transferred to the seller’s account. He and the buyer receive appropriate notifications via SMS and email.

Notification of transaction registration in Rosreestr

This payment system completely eliminates the risk of fraud. The buyer receives the property, the seller receives the money. Of course, the absence of the risk of fraud applies exclusively to financial calculations. Therefore, in addition to the service, it is advisable to conduct a legal examination of the risks associated with the purchase of a specific property.

On the day the transaction is registered, the seller and buyer are sent messages stating that the money has been transferred to the seller’s account. The required amount is credited to his current account at Sberbank the next day.

Notification of funds transfer to the seller