Own housing today is not a problem. With the advent of mortgages, the acquisition of square meters has become a reality. If you are still interested in how to get a mortgage at Sberbank, then the answer is simple. You just need to choose a program and collect a package of documents. And now about all this in more detail.
Bank selection
If you have chosen Sberbank of Russia from all the options, you want to take a mortgage here, then this is a very good choice. Sberbank offers many similar lending programs with flexible interest rates and fairly free terms. It’s good that taking a mortgage in Sberbank, you will get great benefits on other loans and deposits. By paying a certain part of the mortgage, you can get this amount in the form of another loan by attaching it to the mortgage, and buy a summer house, for example. So, the choice is made. Let's start figuring out how to get a mortgage at Sberbank.
Basic and special programs
Very often, in order to choose the right program, you just need to come to any bank office in person and say: "I want to take a mortgage at Sberbank." Employees will immediately offer you several existing options. Basic lending programs allow you to purchase both finished housing and under construction. Interest rates here depend on your income, the amount of the loan, and the amount of the down payment. You can even take a loan to build a house. In all these cases, the guarantee will be this very residential property. However, there are special programs such as military mortgages or mortgages plus maternity capital. Here, interest rates are much lower, but not all are suitable for the proposed conditions of these programs.
Affordable housing
If the question of how to get a mortgage in Sberbank does not bother you so much, you can wait for a special promotion, which is often held at the bank. For example, there are stocks for new housing. The interest is not more than 12, the loan is granted for no more than 12 years, the minimum down payment is only 12 percent. This is just memorable, and quite a good offer. Promotions for young families are also often held. Usually there is a restriction on the age of the spouses, and the rate is very low - 10.5%. But the maximum loan term is 30 years. The down payment is also small - it is 10%.
General tips
Here are some general tips on how to get a mortgage at Sberbank. To get started, choose the option yourself, you can even calculate the monthly payments on the calculators that are on the bank's website. Then consult with the manager. You need to do this in person, not by phone. Next, ask the employee to choose the best option for you, taking into account all factors. Let you have a few suggestions from which you can choose. Stay on a feasible monthly payment, even if the loan term will be very long. As for the documents, everything is simple here. If you receive a salary on a bank card, then you only need a passport to apply. Otherwise, you will have to confirm your income with certificates from the accounting department.