How to get a mortgage approved by Sberbank

How does a bank decide to issue a mortgage?

Before issuing a loan, the bank will check that you are a reliable borrower. I don’t know how he decides this - each bank has its own criteria, which he doesn’t tell anyone about. Credit managers cannot be told about them under threat of dismissal - this is a trade secret. But in general terms, before your application is approved, you will go through 3 stages.

Scoring or assessment of credit risks.

In order not to require a whole set of documents from you at once and not to waste time on unwanted clients, banks first make preliminary decisions.

In the office or on the bank’s website, you fill out a form with basic information: passport data, income, length of service, place of work. The questionnaire data is processed by a special credit program that evaluates credit risks (conducts scoring) based on dozens of parameters. The scoring system analyzes your data (age, profession, income, experience, property, etc.) and calculates whether you can pay the loan. The program automatically screens out clients who do not meet the bank's requirements or have an increased credit risk.

It’s easier for a bank to refuse than to issue a risky loan

The scoring program makes decisions automatically based on statistical data. She may refuse you a mortgage, even if there are no complaints against you as a borrower personally.

Let's say Irina works as a middle manager in a construction company, she has several repaid loans on time and a sufficient salary. But according to the bank's statistics, in the last year, middle managers of construction companies have become more likely to miss payments. Based on this, the system considers Irina a risky borrower and may refuse her.

Interview with the manager.

Filling out an application and submitting documents to a loan specialist is not a simple formality. He evaluates you as a person: he pays attention to your appearance, speech, demeanor. If something worries him (for example, you come unkempt, wearing torn shoes or drunk), he will write about it in the questionnaire and you will be checked more thoroughly.

Be careful when filling out an application online on the bank’s website. The program will see if you edit the numbers several times and decide that you are trying to deceive it.

Check by Security Service.

The security service will check the authenticity of the documents and specified information:

• work and income
  : whether the employer indicated in the certificate is registered, whether the address matches, whether it is undergoing a liquidation procedure, whether the company has debts. To confirm income, the Security Service will call the HR department or accounting department; if in doubt, make a request to the pension fund;
• credit history
  in the credit history bureau;
• reputation
  : presence of criminal records, publications in the press and even social networks.

After completing the inspection, the Security Service will transfer the documents and analysis results to the bank’s credit committee, which will make the final decision on issuing a mortgage.

Usually the bank makes a decision in 3-4 days, in rare cases - in a week or two. After receiving approval, you will have from 1 to 4 months to look for an apartment.

How to speed up getting pre-approval for a mortgage from Sberbank?

A potential borrower planning to apply for a mortgage loan from Sberbank can increase the likelihood of the application being approved. The procedure for considering borrower candidates is kept secret by the bank, however, Sberbank credit specialists give clients the following general recommendations.

1. Early check of credit rating (score). A potential borrower can contact Sberbank or one of the BKI (credit history bureaus) to order the issuance of a personal credit history file. If in the past the client had delays in loan repayments, restructuring or sale of debt to collectors, the scoring score should be corrected by issuing and repaying several small loans on time.
2. Checking information about official employment. To obtain a mortgage loan, the client must officially work (be on the staff of an organization or be a party to a civil contract for the provision of services) for at least one year in the last six years. Work experience at the current place of work must be at least six months. If a potential borrower is a self-employed citizen, works unofficially or is unemployed, he should enter into an agreement with the current employer, and also independently send insurance contributions to the Pension Fund (PFR), Compulsory Medical Insurance Fund (MHIF) and FSS (Social Insurance Fund). After six months of monthly contributions, you can apply for a mortgage.
3. Providing co-borrowers and loan guarantors. Desirable candidates for obtaining a mortgage from Sberbank are young families raising minor children. If the client is not in a registered marriage or receives a low salary, a co-borrower (spouse, close relative) should be involved to jointly apply for a loan. If the age of the potential borrower is less than 25 years, a Sberbank specialist may request the provision of guarantors guaranteeing timely repayment of the loan.
4. Preliminary consultation with a loan specialist in the office. Customer applications filled out on the Sberbank website are processed automatically, so credit specialists may not have information about a specific borrower. A client wishing to obtain a mortgage should contact a loan officer in advance to discuss the terms of the loan. Then you need to register on the DomClick portal, submit an application and contact the Sberbank office again.

Citizens applying for a home loan with Sberbank for the first time can seek advice from a mortgage broker. The specialist will help you select the desired property, check the relevance of documents for an apartment or house, and prepare an application for a Sberbank loan specialist. Unfortunately, mortgage brokers do not guarantee the issuance of a home loan, but they increase the likelihood of a positive decision.

What the bank will require from the borrower

Documentation:

• passport;
• driver's license;
• military ID for men;
• certificates confirming income: 2-NDFL, certificate in bank form, certificates of monthly receipt of pensions or benefits, for entrepreneurs - tax returns, for additional income - 3-NDFL, lease agreement, etc.;
• SNILS;
• TIN;
• Marriage certificate;
• Birth certificates of children;
• A copy of the work record, certified by the employer;
• Documents for property: extract from the Unified State Register of Real Estate, purchase and sale agreement;
• Bank statements about the amount of money in accounts.

An initial fee

— 20-50% of the cost of the apartment. The more reliable a borrower you are, from the bank’s point of view, the smaller the down payment.

Life and health insurance

mandatory requirement by law.

Who definitely won't get a mortgage?

No matter how hard you and I try, not everyone will be given a mortgage. No bank will approve a loan:

• people under 20 or over 65 years of age
  ;
• for borrowers without income: bank account certificates, statements of card movements, monthly payments of hundreds of thousands of rubles will not convince the bank if you cannot provide official documents confirming your income;
• debtors for other loans, utilities, alimony, fines;

Check your debts

Check your debts before applying. You might have forgotten to pay a fine or owe a few kopecks to the utility companies. You can find out about debts on the FSSP website. Even if you are sure that you have no outstanding loans or arrears with banks, order a report on your credit history from the Credit History Bureau. Often it contains irrelevant information: for example, loans that you have already repaid are still listed as valid. If you find errors, correct them by contacting the bank.

Conditions for obtaining a loan

Under what conditions and how can I get a mortgage from Sberbank for finished housing? You can take out a loan from Sberbank only in national currency. The bank gives up to 80% of its cost for the purchase of an apartment. The remaining 20% ​​must be paid by the borrower himself.

You can take out a mortgage for a fairly long period. The contract is concluded for a period of up to 30 years. You can repay your loan early at any time without paying additional fees.

What is the current mortgage interest rate at Sberbank? Today the rate is 7.4–12.5% ​​per annum. Young families can take out loans at a preferential rate - check the conditions on the official website www.sberbank.ru.

If a borrower receiving a mortgage from Sberbank is ready to make a contribution of more than 50%, then he does not need to confirm his income and employment. Registration is carried out only with a passport and a second personal document. Mortgages can be issued under this program in the amount of 15 million rubles. The mortgage agreement is drawn up for a period of 10 to 30 years. They provide a mortgage based on two documents at 8.5–12.0% per annum.

If we compare the conditions for providing money here with other offers on the market, it is worth saying that the rates offered to clients are quite favorable. It is also convenient that you do not need to provide an extended package of documents, as well as guarantees from other persons. If you add to this the excellent reputation and maximum level of reliability of the bank, you can be sure that the decision to apply here is the right one.

As a mortgage broker we can help you

Most of my clients find out about me only after they have been rejected by banks several times. I can help not only borrowers with problems, but also the most ideal ones.

I will help any borrower get approval faster and on more favorable terms than if they applied to the bank independently

I will help you if:

• you don’t know where to start or are confused with documents;
• you cannot verify your income;
• there is not enough money for a down payment;
• have already applied to the bank and been refused;
• you are a citizen of another country.

The main thing I do is select the optimal loan program from one of the partner banks. Banks are loyal to our clients: they know that we have already checked them, studied their history and suggested how to fix the problems.

Results

Pre-approval of a mortgage loan from Sberbank is issued to clients who fill out applications on the official website of the financial institution. Documents are processed automatically, the processing time for the application ranges from several minutes to five working (banking) days. The client is notified of preliminary approval via SMS; in addition, the citizen receives a call from a Sberbank credit specialist to agree on the date for submitting documents. Obtaining pre-approval does not guarantee the issuance of a home loan on terms favorable to the borrower, so the client should prepare for a possible reduction in the mortgage amount.

To quickly review an application, a potential borrower should consult with a mortgage broker, a Sberbank loan specialist, and also select a property on the DomClick platform. Sberbank offers additional discounts on mortgages for young families, users of the salary project, and life insurance programs in the bank's subsidiaries. Citizens should study the bank's requirements on the official website and consult with employees of the nearest mortgage lending center.

Ideal borrower

For a bank, a mortgage is not only long-term income, but also a big risk. If you can't pay, it will be difficult for the bank to get your money back. This is why banks are so demanding.

The amount of income is the main criterion for a bank

Portrait of an ideal borrower:

• Russian citizenship;
• age from 21 to 45 years (formally, up to 60-65 is possible, but in practice, people over 45 are approved for a loan less often);
• with a working other half and without children;
• official all-white work;
• high and constant income;
• the monthly payment is 20-30% of the salary, but not more than 50%;
• Work experience of at least one year, rarely changed jobs, works for the same employer for at least six months.

Why might you be refused?

If the scoring system or the Security Service is not satisfied with something, you will be refused without explanation. The requirements of different banks for borrowers may differ in numbers and details, but they agree on the main points. Most often, even credit managers do not know the reason for the refusal. I'll tell you about the main reasons for refusal.

Non-compliance

which the bank presents to the borrower. Most often this is a small income, insufficient experience or inappropriate age.

Bad credit history.

Even a few missed credit card payments may alert the bank. If you had more serious problems with payments or the matter went to debt collectors, you will not be able to get a loan until you correct your credit history.

Most often, a delay of up to 30 days is considered technical and does not affect the credit history. But if this happens regularly, the bank understands that you are not very obligatory. But if you have been overdue for more than 3 months, this is a big reason for the bank to refuse you.

Several years ago, Svetlana took out a loan for a vacation and did not calculate her strength: she missed payments and delayed payments several times. As a result, she paid off the loan, but ruined her credit history. During this time, Svetlana’s income has doubled, she has no debts, but the bank does not want to give her a mortgage because of past problems.

But with Evgeniy the situation is different. He has never had any delays, has a good salary and is an ideal client in everything. But the bank approved his application only the second time, because he had never had a loan. If you have no credit history, the bank cannot check how conscientious a payer you are and does not want to be the first to provide you with a loan.

High credit load.

The monthly loan payment should not be more than 40-50% of confirmed income. If someone in the family does not work or there are children, this ratio may be reduced. At the same time, the bank takes into account all the borrower’s credit obligations, even credit cards.

Debts on taxes and fines.

A common case is that people forget to pay taxes or traffic fines.

Providing false information and forged documents.

If the bank catches you cheating, they will refuse you.

Never deceive a bank or forge documents

Errors (typos) in supporting documents.

Your accounting department may have made a mistake in several figures, and the bank checked your income through the Pension Fund, noticed a discrepancy and refused. To prevent this from happening, carefully check all documents before submitting.

Incomplete set of documents.

Another common problem is that people simply forget to submit all the documents.

The bank was unable to contact the employer.

If this happens more than once, your application will be rejected.

Opinion of the employee who accepted the application.

If you made a bad impression on an employee, he can make a note about it in the questionnaire. If the bank doubts you, it will take into account the employee’s opinion and refuse you a loan.

Criminal record.

If you have a criminal record, most banks will immediately refuse you.

Recent failure.

If the bank rejected you once, the next time it will consider your application no earlier than a certain period of time.

What not to do

Forge income certificates.

The Internet is full of offers to forge a 2-NDFL certificate for several thousand rubles. This can help you buy a washing machine on credit, but will not deceive the bank in the case of a mortgage.

Before approving the application, the bank will contact the employer indicated in the certificate: check you through the HR department, and check the amount of income in the accounting department. If the certificate turns out to be fake, at best, you will be denied a mortgage, at worst, you will be blacklisted, after which no bank will want to contact you.

Sometimes applicants bring genuine certificates from their current place of work, but with an exaggerated income.

Boris has been working as a manager for 5 years and earns an average of 60,000 rubles per month. But he was afraid that the bank would think his income was small and asked his superiors to write him 90,000 rubles in the certificate. The bank doubted that a simple manager earned so much, requested an extract from the pension fund and saw inconsistencies. As a result, Boris was rejected without the right to reapply and now he cannot get a mortgage from other banks. And if he had not falsified the certificate, but turned to a mortgage broker or bank manager, he could easily have found a way out: increase the down payment, extend the mortgage term to reduce the payment, find a guarantor, or negotiate with the employer for a salary increase.

Sign certificates for yourself.

This trick is often used by entrepreneurs who work as directors in their own companies.

You cannot sign certificates for yourself or family members

Nikolai works as a director in his own company. The bank will not accept an income certificate signed by the bank itself. Natalya works as a director in her husband's restaurant. The certificate signed by her will also not suit the bank. In such cases, the document must be certified by an outsider: the organization's chief accountant, executive director or head of the human resources department.

How to Improve Your Chances of Approval

Talk about unofficial surcharges.

Banks know very well that many of their clients earn money not only officially. If your “gray” surcharges are significant and regular, tell the bank about them honestly. Then he will ask you to bring a Certificate in the bank form, which will confirm your full income with the employer.

Certificate on bank form - confidential information. The bank can only use it as proof of your income

The bank will not transfer this data to the tax office and will not cause problems for your employer. Its goal is to understand whether you can pay the loan or not, and not to complain to the Federal Tax Service. If the unofficial income is sufficient, the bank will approve the mortgage.

Confirm unofficial income.

There is another case - when even official income is difficult to confirm. For example, for tutors, hourly specialists, waiters.

Roman works as a waiter and earns 70,000 rubles a month with tips. But in the 2-NDFL certificate his income is 20,000 rubles. If Roman has a good credit history and has deposits or property as collateral, the bank may approve the loan. Roman will only need to provide the bank with a certificate from his employer about his real monthly income.

In our case, the employer refused to certify the official document, and I came to Roman’s aid. I provided the bank with verbal confirmation of the client’s income and this was enough for the mortgage to be approved.

Open an individual entrepreneur if you can’t prove your income.

If you work unofficially, the bank will refuse. Even with a good income, high turnover on the card and millions of accounts. For him, the risk of you losing your job is too high.

Opening an individual entrepreneur and working legally is the best option for people who cannot prove their income in any way. For example, freelancers, tutors, repairmen.

If you have an individual entrepreneur, after a year or two of working in plus, without debts on taxes and insurance premiums, the bank will be able to issue you a mortgage. Most likely, the bank will require a down payment of 40% of the cost of the apartment.

Provide a good credit history.

If your credit history is damaged, it cannot be corrected (that is, delete negative information). But you can prove to the bank that you yourself have improved. For example, pay existing loans on time.

Often clients take out small loans (even microloans) and repay them on time so that banks see that they are responsible payers.

Close existing loans.

Total credit obligations should not be more than 50% of your client. Ideally no more than 20-30%. To be on the safe side, close any loans and credit cards you don't use before applying.

Be a reliable entrepreneur.

Banks do not like entrepreneurs as mortgage borrowers. Some even refuse to accept applications from them. Even if an entrepreneur earns much more than the average employee with three children and credit cards, for the bank he is a risky borrower - it is believed that the business can generate unstable income. It's strange, but that's how it works in practice.

For individual entrepreneurs to approve a mortgage

, it must meet the requirements of banks:

• work for at least one and a half years
  : it is believed that during this period it becomes clear whether the business is profitable or not;
• earn consistently all year round: better than 100,000 every month than a million times a year before the New Year;
• transparent reporting and a complete set of documents: the bank must see your tax and pension contributions, compliance of the tax regime with real activities, and the absence of questionable transactions. Provide the bank with registration documents and declarations for several reporting periods. If the management reporting data and what you initially reported when submitting the application do not match, the bank will add interest or refuse the loan.

What to do if the bank refuses

Apply to another bank

. Banks have different requirements for borrowers - if they refuse one, you may be welcome at another. Therefore, carefully consider the offers of other banks and contact one of them. Often smaller banks have less stringent requirements for borrowers.

If several banks have refused, think about the reasons for the refusal and solve them.

Save more money for your down payment.

Even an extra few hundred thousand rubles (especially accumulated in a short time) can convince the bank that you are a reliable borrower.

Correct your credit history:

correct the erroneous data, take out a small loan and repay it on time.

Often my clients are confident that they have an excellent credit history, but in reality it turns out otherwise.

Pay off your debts

on taxes, fines, obligations.

Find co-borrowers and guarantors.

This is the best option if there is not enough income. Co-borrowers can be family members: spouses or parents, and guarantors can be any people or legal entities.

Take out a consumer loan instead of a mortgage.

This is a last resort if you have already been refused a mortgage by several banks and there is no more hope for a mortgage. It’s easier to get a consumer loan, and several loans can be enough for an entire apartment. The main disadvantage is that the interest rate is much higher, and the payment period is much shorter.

Apply for a mortgage for relatives

, if their income is higher and they meet the bank’s requirements.

Contact a mortgage broker.

If you can’t get a mortgage yourself, contact a professional mortgage broker. A competent specialist can help even the most hopeless client.

Why does the bank take time to make a decision?

Immediately after submitting an application, an automatic refusal may follow. This happens if the borrower has previously had problems with payments. Such a client simply does not pass scoring; more about him here.

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Each financial institution has its own criteria for approval, so if you have not passed additional verification from Sberbank, then try contacting another lender. A profile of a suitable applicant can be found out by talking with a specialist from the institution. He will inform you that the borrower does not meet the required amount, income, age, minimum length of service, etc.

If there is no automatic refusal, the application is sent to the bank’s security service, which checks all provided data and documents. This process takes some time, since the lender needs to find out whether the applicant works for a particular organization and whether the information provided is reliable. Review takes longer if large amounts are involved.

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On some applications, banks make an instant decision, but this is compensated by very high interest rates. Sberbank does not have such offers today, which means that each client will have to undergo a full check. If you were unable to get a loan from Sberbank, then you should contact Renaissance Credit, Tinkoff and Russian Standard. Low percentage of approval in Raiffeisen, Binbank, Sobinbank.

You can calculate the loan you choose using our online calculator:

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

Remember

1. In order for the bank to approve the loan, make sure that you meet the requirements for borrowers, collect a complete package of documents and check your credit history.
2. Suitable age, sufficient official income and length of service are the main conditions for mortgage approval.
3. If the bank refuses a mortgage, contact another bank, correct the problems, attract guarantors, get a loan for a relative, or contact a mortgage broker.
4. A mortgage broker will help not only problem borrowers, but also ideal ones. I help you get approval faster and on more favorable terms than if you contact the bank yourself.

How is pre-approval for a mortgage loan obtained from Sberbank?

A mortgage pre-approval is a decision in absentia from a loan officer or scoring program to provide a specified amount of funds. This decision is made based on an analysis of the documents provided by the borrower. In practice, debit card users and deposit holders at Sberbank are often sent individual offers to obtain various loans. Such offers are advertising in nature and do not guarantee the issuance of a mortgage on the terms specified in the SMS or email. A client wishing to obtain a mortgage from Sberbank must complete the following steps to obtain prior approval.

1. Registration on the Sberbank website. The official client portal of Sberbank is integrated with the DomClick platform, so a potential borrower can enter data on the property and select the purpose of obtaining a mortgage (for example, building a house). To start working with the system, a potential borrower can register on the DomClick portal or log into an existing Sberbank Online account.
2. Selecting lending parameters. The system automatically calculates the monthly payment, minimum income level and payment schedule depending on the requested amount, the amount of the down payment and the loan term. By filling out the required fields, the client receives a detailed payment schedule by month, the system calculates the amount of overpayment, as well as the possibility of early repayment of the mortgage.
3. Checking the completed application. In the personal account of the Sberbank portal, the client can clarify the list of necessary documents for registering an application, as well as ask any additional questions to the consultant. The service operates around the clock; the DomClick platform presents apartments under construction and ready-made, country houses, as well as plots of land.
4. Registering an application and waiting for a decision. Sberbank's mortgage portal allows clients to receive preliminary approval for a mortgage immediately after registering an application. In practice, applications from potential borrowers are reviewed from several hours to five business days, then a message with a preliminary decision is received via SMS, and a Sberbank credit specialist calls the client to set a consultation date.
5. Selecting a property. Sberbank clients have access to electronic registration of a real estate transaction; they just need to create a login and password on the DomClick platform, select an apartment or house, and also indicate their passport information. The DomClick platform contains information about apartments and country houses, as well as contacts of real estate agencies. The client can draw up documents for the property himself or contact a mortgage broker.

Pre-approval of a mortgage loan is valid for three calendar months from the date of receipt of the message from Sberbank. However, in order to quickly obtain a mortgage, the client needs to provide documents for the selected property and conclude a deal with the bank as early as possible. The optimal strategy for a borrower is to contact a bank’s mortgage specialist, select a residential property, fill out an application and sign a loan agreement after receiving approval.

Many clients who apply for a mortgage online are denied a mortgage loan without explanation. This scenario may be caused by insufficient income, incomplete or incorrect filling out of documents, as well as problems with the legal registration of the property.