The most cherished dream of the vast majority of young Russians is their own real estate. However, the realities of the modern market almost completely exclude the possibility of acquiring it for their own money, and a large percentage of inflation is an opportunity to accumulate. That is why many young people are forced to apply to various financial organizations and draw up credit programs. Today, the most popular question is what documents are needed for a mortgage at Sberbank. After all, this organization issues the most profitable programs and considers each application for a loan individually, taking into account many different factors.
Sberbank: documents for mortgages
In order to purchase real estate within the framework of mortgage lending, the borrower will need to prepare two different packages of documents: for applying to a banking organization and for direct purchase of housing.
So, the documents for a mortgage in Sberbank:
- a certificate from the immediate place of employment for at least six months in the form of 2-personal income tax;
- a certified extract or a copy of the work book certified by a notary;
- TIN and valid passport of a citizen of the Russian Federation;
- application form for a loan program;
- documents confirming the identity of the guarantor or co-borrower;
- a copy of the passbook - it must have accumulated an amount of at least ten percent of the cost of housing purchased.
Sberbank, mortgage: documents for an apartment
When purchasing housing on credit, the borrower must provide the following documents to Sberbank:
- appraisal results of acquired property;
- cadastral passport and detailed floor plan of purchased housing;
- notarized consent of the spouse to acquire real estate;
- identification documents of property owners;
- notarized consent of the spouse of the owner to the sale of housing;
- extract or copy of the house book ;
- permission of the relevant authorities to sell real estate;
- contract of sale.
What are the ways to get the most profitable program
Having collected all the necessary documents for a mortgage at Sberbank, the borrower is advised to familiarize himself with the programs for providing benefits. He must remember that the government of the Russian Federation is constantly developing assistance programs for various segments of the population. So, for example, today you can get a significant amount of money under the maternity capital or military mortgage program, which involves not only the state making a large part of the down payment for purchased housing, but also providing monthly funds to service the mortgage program. Documents for mortgages at Sberbank also allow the borrower to count on the following government subsidy programs:
- housing for young professionals;
- military mortgage;
- governor program;
- maternal capital.
Making any of the above subsidies, the borrower can also expect to receive the mildest loan conditions.