How to apply for a mortgage or its refinancing at Sberbank: online through DomClick and other methods

How to apply online for a mortgage from Sberbank without a down payment is a hot topic for people interested in buying their own home. Along with other methods of purchasing real estate, requests through an Internet application are the most convenient in terms of saving time for potential borrowers. They provide worthy competition to other methods.

Necessary documents and requirements for clients

Most potential clients want to purchase an apartment without making a down payment. Previously, Sberbank did not provide such an opportunity. However, today the conditions for providing a mortgage loan have been revised. Applying for a mortgage without a down payment at Sberbank online has become much easier. Russian citizens are now allowed to buy housing without paying part of the total cost.

The bank will necessarily require a certain set of documents from the applicant. The standard list includes:

passport details;
SNILS, military ID, international passport;
2-NDFL certificate from work for the last 6 months;
marriage certificate and children's birth certificates, if available;
a copy of the work book.
certificate for the amount of the down payment (about maternal capital, young family)

The bank has the right to request additional information if necessary.

Online mortgages without a down payment from Sberbank are available to persons with Russian citizenship with an official stable income and a certain work experience.

We recommend reading: Requirements for online mortgage documents

How can you apply for a mortgage loan?

There are two available methods for submitting an application for a mortgage loan. They are as follows:

Contact the nearest branch of a banking organization and, with the help of a manager, fill out the form, then supplement it with a preliminary list of documents and wait for the institution’s decision. If the client meets the loan requirements, the application will be approved;
Visit the official website of the credit institution and submit information on the application using Sberbank online. This is a convenient and simple solution, in which an appeal can be submitted at any time of the day.

Regardless of which method of application a Sberbank client chooses, this will not affect the procedure for considering the application. The scheme is exactly the same.

The principle of obtaining a mortgage online from Sberbank

To apply for a mortgage without a down payment at Sberbank online, you need to go to the official website in the DomClick section and fill out an application online. After a positive decision on the application form, the borrower should carefully study the procedure for processing a mortgage transaction.

The approved decision has its own period, valid from the moment of receipt of the response within 90 days. Further cooperation between the client and the bank is carried out through contact with the credit manager, who accompanies the transaction to the end.

Recommended article: How to reduce mortgage interest at Sberbank

What mortgage programs are there at Sberbank?

Before submitting your application through the online service, familiarize yourself with the current mortgage programs. Choose the conditions that suit you best.

Promotional offer for families. The program is designed for families who have had a second or third child since January 2021. Such borrowers can take out a loan for 30 years at 0.1% per annum. This loan provides for an initial payment of 15% of the cost of the selected home. You will also need to insure the object of purchase and your life.
Promotional offer for the purchase of apartments in new buildings. Under this program, the annual rate is reduced to 1.0%. Moreover, the money received can be spent on purchasing an already rented apartment in a new building or invested in construction as a shareholder. The bank has a list of developers who are willing to work at a reduced rate. Additionally, the client saves if he completes the transaction via the Internet.
Ready-made apartments in new residential complexes and already inhabited buildings are offered at a rate of 7.3% per annum. The loan is issued in the amount of 300 thousand rubles and requires a 10% down payment. You can borrow for a period of up to 30 years. Moreover, the object of purchase can be an apartment in a residential complex, a country cottage or square meters on the secondary market.
You can pay off your maternity capital using a loan with an annual rate of 4.1%. Capital money can be used to make a down payment or pay off some of the loan. Under this program, loans are issued in the amount of 300 thousand rubles for 30 years.
Build your own house. You will be offered from 300 thousand rubles. at 8.8% per annum. The repayment period will be 30 years. Also expect a 25% down payment.
Dachas, houses and plots outside the city can also be purchased under the mortgage program from Sberbank. In this case, you will have to overpay 8.0% per year. With the same money you can build a cottage, a country house, a bathhouse.
Lending to military personnel. The program is designed for employees with 3 years of experience at NIS. Provides for the issuance of up to 3.251 million rubles for payment over 25 years. The rate on this offer is 7.9%.
Refinancing. Refinance on favorable terms at 7.9% per annum. The program works for those who have a mortgage loan from other banks. Such clients will be able to receive an amount of 300 thousand rubles and pay it for 30 years. There are no additional refinancing fees.

Step-by-step description of the procedure

An online application for a mortgage from Sberbank without a down payment is submitted through the special DomClick service. This is a modern Internet resource created by a subsidiary of Sberbank - the Real Estate Center.

Work with the service takes place electronically and includes a certain algorithm of actions:

You need to go to the official website on the Internet - https://domclick.ru. Login can be done through a desktop computer or any other mobile device connected to the World Wide Web. You can install the application through the App Store or Google Play.
Select Mortgage in the upper left corner. Get acquainted with the loan products offered. The rate starts from 6% per annum. The lending service is provided for a period of up to 30 years and depends on the mortgage program.
Click on the selected section.
In the window that opens, click the Submit Application button. The convenient and simple interface of the site allows you to easily make a preliminary mortgage calculation using an online calculator.
Next, you should go through the registration procedure in your personal account. For these purposes, a cell phone number is entered into the cell, to which an SMS notification with a confirmation code and password will be sent. The characters must be entered in the appropriate field.
You can start working in your personal account. To do this, you must attach digital copies of documents electronically and fill out an application.
The calculator on Domklik does not contain a special field - no down payment or that maternity capital will be used. Therefore, you need to submit an online application for a mortgage from Sberbank without a down payment for the entire price of the property. Just when you attach documents, attach the maternity certificate and a certificate of the balance of maternity capital. Please note that income must be enough to cover the entire price of the property.
The next step is actually submitting the application. At the bottom of the window, a check mark is placed indicating that the data filled in is correct.
After all the manipulations, all that remains is to wait for the bank’s decision. Reviewing an online application for a mortgage from Sberbank without a down payment takes about 3 days. In most cases, the decision to grant a mortgage is made within the day the application is submitted. How can I find out if my mortgage has been approved by Sberbank via the Internet?
Once approved, you can begin searching for suitable housing on your own or rely entirely on a mortgage loan manager who will guide the transaction until the borrower acquires ownership. As stated above, 90 days are allotted for this. During this period, it is necessary to decide on the type of real estate, prepare all legal documentation and conclude a deal. You can check the legal “purity” of an object on your own or with the help of professional lawyers. Such a check is a guarantee of safety from all kinds of risks;
Along with the client, Sberbank also checks information about potential housing based on the documents collected by the borrower. The possibility of purchasing the selected home with a mortgage depends on the result of the check. This procedure takes 3-5 days.
An online application for a mortgage from Sberbank without a down payment requires mandatory insurance for the purchased real estate. In addition, it is proposed to insure health and life on a voluntary basis.
After the property is approved, the participants in the transaction receive all documentation by email. Personal presence at the bank office is not required. When using the Secure Payments service, funds are sent to the seller automatically.

Recommended article: Rosselkhozbank mortgage for pensioners under 75 in 2021

Next, property rights are registered online and the keys to the purchased home are received.

Filling out an application in the Domklik service

On the bank’s official portal, after going to the tab for submitting an application for a loan to purchase a home, the system automatically transfers the client to Domklik. It is there that applications are filled out according to the requirements established by the credit institution. When working with this service, you will need to select the following parameters:

Get acquainted with real estate options in new buildings and on the secondary market;
Housing prices in any city in Russia;
Mortgage down payment amount;
The period for which you need to take out a loan when purchasing a residential property.

There is also the opportunity to select additional criteria that allow you to reduce interest rates. And this, if you decide to take out a mortgage from a credit institution, plays a big role. All calculations in the system are performed automatically. Thanks to this, clients feel comfortable using it. It will also indicate what income the borrower must have in order for his application to be approved.

Advantages of DomClick from Sberbank

Applying for a mortgage without a down payment at Sberbank online is beneficial for a number of good reasons:

no need to visit a bank office;
filling out the application form at a convenient time without queues;
clear functionality of the site;
the responsibility for checking real estate documents rests with bank employees;
complete and understandable information on the variety of Sberbank loan programs;
consultations with specialists of various profiles on mortgage issues in a special chat in your personal account;
the ability to get a mortgage with a zero down payment;
security of the transaction at all stages;
protection of client personal data;
registration of a transaction in electronic form;
transparency of all conditions;
tracking at what stage a particular mortgage procedure is at.

Deadline for consideration of a preliminary application

The maximum period for consideration of a preliminary application is 2 working days. But in most cases, clients receive a response to a completed questionnaire on the day of their application.

The preliminary application differs from the main application form. It contains only basic information about the borrower and his wishes regarding the purchased housing.

If it is approved, then a full application form is filled out at the bank branch, where the potential borrower also brings a full package of documents. The review period in this case is up to 8 days.

Deadline for receiving final response

The officially established period during which the bank will consider the mortgage application and all documents is 8 working days. The borrower learns about the decision made by the financial company from a telephone call received from the organization’s manager or via SMS notification. Only current bank clients who have activated the SMS notification option can receive the message.

You can also get the necessary information by calling the contact center 900 or (for calls from abroad).

Useful tips

You should not try to deceive the banking system by submitting false information. The security service carefully checks the accuracy of the data received. At the slightest discrepancy there is a risk of refusal. Therefore, if you have any doubts, it is recommended to consult with a credit counselor online. Experienced lawyers will help you understand all the intricacies of the process and offer the best way out of a difficult situation.

Read also: Reasons for refusal of a mortgage: what should borrowers take into account?

Online guide to bank documents for mortgages

Recommended article: How to find out if a mortgage has been approved by Sberbank via the Internet

It is advisable not to take out new loans or bank cards or change your place of employment while your application is being considered.

Initially, it is recommended to apply for a mortgage, and only then select a property.

An online application for a mortgage from Sberbank without a down payment is a very convenient procedure that initially takes no more than 15 minutes. It makes it possible to carry out a fairly serious procedure without interrupting work, study and the usual rhythm of life. The DomClick Internet portal is a reliable assistant in selecting the right property without unnecessary effort and worry.

We recommend reading: How to repay a mortgage at Sberbank early through Sberbank online

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Author:

Mortgage specialist Maria Yurievna Sokhan

Publication dateJune 18, 2019November 25, 2019

Instructions for applying for a mortgage loan online

In order to apply for a loan for the purchase of residential real estate, you will first need to go through submitting an application, as well as through its consideration and approval by the bank. Many clients, when contacting a credit institution, think about how best to submit an application. There is not always time to go to the organization’s office. For such cases, the bank offers its clients to use the Internet service directly on its official website. Here citizens must perform the following sequence of actions:

Visit the official Internet portal, which belongs to Sberbank;
Go to the “Loans” category of the Sberbank website;
Open the “Housing Loan” tab and select a suitable loan offer to apply for a mortgage loan;
Visit the "Submit an Application" category.

Property rights after mortgage registration

The procedure for registering ownership of purchased real estate takes place at the MFC. Both parties (buyer and seller) must come there with all documents, including a receipt for payment of the state duty.

You can register a transaction online through the DomClick service. Send documents to Rosreestr electronically. After registration is completed, papers with the appropriate mark are sent by e-mail. The cost of such a service is from 7900 to 10900 rubles.

For the period while the borrower pays off the mortgage, the apartment is pledged to the bank. The owner will not be able to sell or donate it without obtaining consent from the lender, but he has the right to register someone on the mortgaged living space and make repairs.

Data Security

All countries have laws on the storage, processing, and access to personal information of clients. The bank complies with government requirements and constantly improves the cybersecurity of online products. The information provided is processed professionally and is not disclosed to third parties. There is no need to worry about the security of confidential personal data.

It is recommended to comply with the bank's requirements for the information entered. The data must be true and not used for the purpose of deception or fraudulent schemes. Violation of rules and legal norms leads to disapproval of the loan, liability provided by law to regulatory government agencies.

It is recommended to ensure that basic safety precautions are observed on the user's part. The address bar of the browser you are using indicates the security of the connection, and an anti-virus program with the latest database updates is active. Personal information can only be entered on the bank’s official website.

Benefits for the client

It has become more convenient for those applying for loans to purchase personal real estate to conduct a dialogue with the bank. There are a number of forms of comfortable feedback. You can use the proposed methods without leaving home, sitting on the couch. Along with Sberbank Online, you can contact a consultant through the website using the built-in chat window. A free hotline is available for calls, the function of contacting via a feedback form indicating the desired method of receiving a response - by email, SMS.

Modern Internet technologies provide clients with the following advantages:

Saving time . With the frantic pace of life in large cities, every minute counts. The service eliminates the need to travel to the nearest bank office and wait for a free consultant. The number of unnecessary fact-finding trips to obtain clarification, collect, and submit the necessary documents is reduced;
Convenience . It is possible to get acquainted with the conditions and make an important decision without leaving the comfort of home, while on a country holiday, or while traveling. If you have the Internet, the necessary information can be easily found through the bank’s website in a convenient structured form;
No extra costs . The calculator integrated into the site’s functions provides access to the calculation of a mortgage loan, savings opportunities taking into account the down payment, loan term, additional services and discounts. The page contains personal advice informing about additional ways to save funds;
Visibility . When entering or changing parameters, the conditions are adjusted before the user's eyes. The methodology clearly displays the dependence of the terms and amounts of mortgage payments;
Elimination of unnecessary paperwork . It is possible to begin the registration process before collecting the required documents.

The procedure becomes simpler and more accessible. It is better to use the saved energy and resources to repay the loan without wasting it in vain.