A variety of mortgage options in Sberbank allows you to choose the best loan for each citizen. This
type of lending has a huge plus, a bonus, so to speak.
Sberbank mortgage , reviews of which can be heard everywhere, differs from other programs offered by other institutions. There is no commission, and the initial payment is only 10%. And it doesn’t matter if it is refinancing a housing loan or buying a new apartment. This essential feature is inherent in each type of loan. But what is the reality?
How to get the?
It is quite easy to get a mortgage loan at Sberbank, you just need to bring a certificate of income in the form of personal income tax-2 and pay 10% of the cost of the apartment. In addition, the bank grants loans both for the purchase of housing in the Russian Federation and abroad. Moreover, the currency of the loan can be both national and foreign.
Mortgage +
There is such a type of mortgage loan as "Mortgage +". This option will allow you to buy a new apartment on the most favorable terms. Since, according to his rules, an apartment can only be bought from the developer company, which itself took a loan for the construction of new housing. This can be attributed both to the pros (loan rates will be less than usual), and to the minuses (housing will be in a certain area) of this type of mortgage. Therefore, before joyfully signing the contract, it is better to hear the opinions of people already experienced in this matter who know firsthand what the Sberbank mortgage is (their feedback will come in handy), and only after that you can start processing documents.
Sberbank: Young Family Mortgage
The most attractive type of mortgage lending is the Young Family program. Moreover, the age of the borrower should not be more than 35 years. Such a requirement is set by Sberbank. Mortgage to young people also implies a prerequisite for obtaining - the presence of a registered marriage. The advantage of this type of loan is that the income of a young family is considered along with the income of their parents, which greatly simplifies the situation. Parents act as co-owners, and this increases the chances of acquiring an apartment. And if a young family has a small child, then the amount of the down payment can be as little as 5%.
Mortgage "Sberbank": reviews and conclusions
However, it should be borne in mind that, despite the rave reviews of many borrowers who took a mortgage loan at Sberbank, it also has some disadvantages.
These include a long waiting period for a decision by the banking leadership: it can reach a month or more. The loan term is usually the maximum plus the loan rate itself will be known to you only upon signing the contract. This is because the rate is set at the discretion of the bank's management. Of the advantages, as mentioned earlier, low down payment and not too large, in comparison with other mortgage programs, interest rates.
In order to know exactly all the offered types of loans, you just need to familiarize yourself with them on the bank’s website, collect the most complete information on the topic “Sberbank mortgage: reviews and conditions”, or go to any of its branches and consult with a specialist.