Mortgage lending refers to a complex banking procedure that requires increased attention and concentration when applying. The current structure of Sberbank is made up of mortgage centers, the activities of which are associated with the simplification of procedures for the issuance of loans secured by an immovable property. Sberbank mortgage centers in Moscow are quite famous, which makes it possible for any potential borrower to choose a conveniently located office. The opening of such centers allowed to reduce the time interval for waiting for manager's consultations.
What are
Mortgage centers are specially created in the structure of Sberbank. This simplifies the interaction with future borrowers interested in obtaining a mortgage. The first mortgage lending center of Sberbank in Moscow was opened in 2008 at the following address: ul. Suschevskaya, d. 20. The offices of such centers operate in cities across the country, representing a bank branch, the managers of which offer borrowers their help both in obtaining and in obtaining a loan.
Today, there are more than a dozen centers of mortgage lending of Sberbank in Moscow, the addresses of which can be found on the official websites. In each mortgage center in the state there is a head who is responsible for the work of managers, reacts to the emergence of complex questions from clients, to their complaints.
How does a mortgage center work
The work of the center is built on the principle of "one window", which means that the client has the opportunity to receive a full range of services in the office. A future borrower applying to the center has the right to receive:
- specialist advice on mortgage programs;
- specify what size of the loan can apply for with the condition of its income;
- familiarize yourself with the payment schedule;
- the ability to use the existing database of realtors or developers to choose the best housing option.
Conditions
The Sberbank mortgage lending center in Moscow is equipped with special rooms for negotiating with customers, which allows you to maintain confidentiality during communication, as well as individual safes in depositories for transactions. Each client is assigned a manager who provides direct assistance in his support.
The centers also work closely with most insurance companies and appraisal bureaus, which provides an additional opportunity to receive services for the assessment and insurance of collateral on the spot.
Mortgage rates
Sberbank Mortgage Center in Moscow offers its customers the opportunity to take out a loan secured by acquired finished housing or secured by another real estate. The basic program for mortgage lending involves making a down payment of 10% with a loan for up to 30 years at a rate of 9.5% to 14% per annum. The same conditions apply when buying housing under construction. In this case, the initial minimum contribution is from 15% at a rate of 11.7 to 14.7%.
Any Sberbank mortgage center in Moscow or another city offers a special lending program, that is, a chance to use a mortgage with state support. The following rules apply to this program:
- making an initial minimum amount of at least 20%;
- annual rate from 10.5 to 11%.
It is also offered the possibility of refinancing a mortgage subject to repayment of a loan at another bank for the purchase and construction of housing without an initial payment at a rate of 11.7 - 13.5% per annum. Another program that the Sberbank mortgage center in Moscow offers is the obtaining of a mortgage using maternity capital funds. With this design, the down payment on the mortgage will be 10% of the value of the acquired property (housing), interest rate from 9.5 to 14% per annum.
The following interest rates are offered to certain categories of borrowers:
- Standard rate - 8.6%;
- the rate for electronic registration is 8.7%;
- program subsidizing rates by developers - 7.5%;
- according to the program of subsidizing rates by developers after electronic registration - 7.4%
Borrowers must be:
- holders of a working “salary” SB card;
- in the presence of a ruble settlement account in the Security Council;
- home buyers under the SB mortgage program.
By calling the mortgage center in Sberbank in Moscow by phone, you can get more detailed and accurate information about the conditions of mortgage lending.