In the article, we will consider how to apply for a mortgage at Sberbank.
In modern life, one of the most relevant is the problem of housing. It is no secret that not every family, especially a young one, has the opportunity to purchase their own apartment, so people are increasingly interested in what housing lending is and how to arrange it. The bottom line is that if a citizen does not have funds to buy real estate, you can apply for a mortgage at Sberbank and get the necessary amount of money.
What does a mortgage mean
She is represented in various programs. You can get a loan without down payment. Separate percentages are set for new apartments, for secondary housing, as part of various mortgage lending programs.
You can apply for a mortgage in Sberbank for secondary housing, as well as for the purchase of an apartment in a new building.
The organization offers its customers a mortgage in the amount of 300,000 to 10,000,000 rubles, at interest - from 6 to 13.5. The requirements that are presented to borrowers are quite standard. Before receiving the money, an identification document proving the income is submitted. You can first wait for approval on a mortgage loan, and then choose a property with the proposed amount of money.
Application Methods
In order to apply for a loan, you must apply for a mortgage at Sberbank. This can be done in several ways:
- Leave the completed form at the bank branch, visiting it personally during business hours.
- Fill out an application without visiting the office via the Internet using Sberbank-Online.
- Fill it out through the official website of a banking institution.
How to apply for a mortgage at Sberbank
The procedure for filing an application in paper form at one of the branches of Sberbank is good because a citizen has the opportunity to consult with a specialist in a banking institution about filling out such a document on the spot. You will have to wait for the answer within 5 days - as much time, as a rule, the application lasts. However, this period may be extended at the discretion of the bank. The advantage of contacting via the Internet is that a person does not have to spend time visiting the department.
It is not difficult to apply for a mortgage at Sberbank.
How to fill in the form correctly
This paper document is 6 pages long. It can be filled in manually or using automatic printing tools. The questionnaire can be filled out by a potential lender or employee of a banking organization according to the borrower.
On the first page personal data is indicated:
- Name, gender, date of birth.
- Status (ordinary or title co-borrower, pledger or surety).
- Passport data.
- The presence of children, marital status, education.
- Contact phone numbers, registration address (temporary or permanent).
The second page contains information on the actual place of residence, where the applicant indicates whether his living space is rented or is his own. Then data on close relatives are given: spouse, mother, father, dependents.
Professional activity data
The following section contains data on the professional activities of the lender. Here you must specify the name of the organization, your position, number of employees, length of service, type of activity of this enterprise and its TIN. Further, the applicant provides information about his income (documented and additional, the total amount of earnings of the borrower's family and the approximate level of fixed cash costs are indicated).
The third page contains a section where you must specify the property: vehicles, real estate.
Loan purpose
Next is the part of the application, which is devoted to a mortgage loan. Here it is necessary to indicate why a loan is needed, to what extent, over what period of time a citizen plans to return funds, etc. This information is followed by several additional blocks that the borrower or co-borrower fills in the presence of certain conditions (accounting for total income, receiving salaries on the card, etc.).
The fifth page is the final one for the client of the bank, here it is necessary to indicate the time of transfer of the application to the bank employee, put a signature, provide your consent to work with personal information. The sixth sheet is filled out by an employee of Sberbank - it contains some official marks.
By filling out the above document, the applicant must submit it to the bank for consideration and wait for a response within a certain period.
Mortgage Terms
The list of basic conditions for obtaining a mortgage loan at Sberbank includes:
- Age at least 21 years and no more than 75 years. Mortgages are possible for senior citizens, but at the time of calculating such a loan, the age of the borrower should not be more than 75 years.
- An employment contract and continuous work experience of at least 6 months in last place and total work experience of one year.
- Officially verified income.
- The amount of income that allows you to pay installments on a mortgage loan.
- Good credit history.
Applying for a loan or mortgage in Sberbank online is most convenient.
Registration and application online
In order to correctly fill out and send the questionnaire to Sberbank employees for consideration, you must go to the official website of this organization and click on the “Get a loan” button:
- the service system opens a menu consisting of several items and sections that relate to the design and payment of housing and consumer loans;
- then you need to select the "Mortgage" section and click on it or decide on the type of mortgage lending in this window and click on it.
How through “DOMKLIK” to apply for a mortgage in Sberbank, many do not understand.
A page opens that focuses on a specific type of lending. The next step is to click the "Apply" button. The official website will redirect the client to "DOMKLIK", which is a service designed to help everyone who wants to buy a home using the Internet. Such a system automatically offers to calculate monthly mortgage payments through a loan calculator.
Further, the borrower needs to determine the level of down payment, the term of the mortgage loan and other parameters of the mortgage. The amount of interest rates is directly affected by:
- availability of insurance;
- the employer of the borrower has a salary project in this financial institution;
- can the borrower and his spouse be attributed to the Young Family group, etc.
If the client’s calculation results are satisfactory, the interest rate is suitable, monthly payments do not exceed monthly income (per family member on average), you must proceed to fill out the application form.
To do this, you need to go through the registration procedure on the DOMKLIK website and apply online for a mortgage at Sberbank. You will need to create a personal account. To register, you must enter the following information:
- details of the Russian passport;
- E-mail address;
- education;
- information on the availability of children and marital status;
- Does the borrower receive a salary on the card of Sberbank and in the positive case indicate the plastic number;
- information about the employer: company name, phone number, form of ownership;
- job data;
- level of income and expenses;
- information on additional income.
After that, you need to download scanned copies of the necessary documents: passport, work book, certificate 2-personal income tax, etc. The same documents are required when applying for a personal visit to the bank.
Next, the process of considering the appeal begins.
You can also apply for refinancing a mortgage with Sberbank in the same ways.
Application deadlines
When considering an application, Sberbank applies a complex process, the preliminary time for studying the information entered and forwarding the result on the application is 5 days, the maximum period can be a calendar month.
Several factors affect the application processing time:
- The ratio of income and payment on a mortgage.
- Is the borrower a client of Sberbank?
- Does this citizen plan to attract co-borrowers?
- Amount of requested cash amount.