The apartment question still worries a significant part of the population of Russia. Problems, as a rule, arise due to the fact that people lack money to improve housing conditions. Time is coming, and when they appear, it is not foreseen. Exit from a difficult situation is a housing loan. But it should not be confused with the mortgage, between two of these concepts a big difference. Today we learn, under what conditions a housing loan in Sberbank is provided in 2018, the main universal bank of the country.

What is the difference between a housing loan and mortgage

At first glance, it seems that housing loan and mortgage are synonymous concepts. However, it is not. When a person takes real estate in a mortgage, he becomes the full owner only after the final repayment of the debt. The bank will be the owner of the housing, and the real estate will be imposed.

Moreover, usually in the case of a mortgage apartment or the house is a deposit. If a person stops making monthly contributions, then with real estate will have to spread apart forever. The apartment or house purchased on the housing loan will only belong to the borrower. With real estate, you can do anything. It will be possible to sell, exchange, give.

What is a housing loan

Thus, a housing loan is the money allocated by the borrower on real estate. These funds can not only go to buy an apartment or at home, they can be spent on improving housing conditions: to expand the area of \u200b\u200bthe room, to build the second floor, for repairs or reconstruction.

For such a loan, pledge is required, it may be: other real estate, machine, jewelry. If the borrower ceases to fulfill debt obligations, the bank will not be able to pick up housing to debt.

Sberbank programs in 2018

In Russia, Sberbank was one of the first to give consumer loans to the population, it did not stop even in the context of a difficult economic situation. It is not surprising that many borrowers pay attention to this bank, a stable and reliable financial organization.

Among a range of consumer programs, housing loans in Sberbank are also provided. There are many proposals for real estate in the bank, they are not divided by the type of pledge, so all housing loans in Sberbank are called mortgage. We learn, under what conditions in 2018 the housing loan from Sberbank is provided to customers.

All loan programs are granted for up to 30 years. Exception: Military Mortgage, the debt on it can be paid off for a maximum of 20 years. The minimum amount of each loan is 300 thousand rubles (except for military mortgage). Money can only be obtained for the purchase of housing located in Russia.

Promotion to new buildings

The program is valid exclusively for buying real estate in new or houses under construction. The initial fee should be equal to at least 15% of the housing price, respectively, the maximum loan size is 85% of the cost of housing. The pledge can act as a credited premises and other real estate owned by the borrower.

For this housing loan, Sberbank promises a percentage rate of 9.40% per annum when complying with all insurance conditions, as well as if a complete set of documents is collected. At the rate of 8%, it can calculate the borrower whose housing is involved in the program subsidizing mortgage developers. One nuance of this promotion: new building should be accredited in the Sberbank program. With more detailed information on the credit program, as well as with the list of partners, the promotion can be found here: www.sberbank.ru/ru/person/credits/home/buying_project.

Acquisition of finished housing

For this credit program, you need an initial contribution in the form of 20% of the real estate price. Basic interest rate on mortgage - 9.1% per annum. Young families can count on a minimum rate of 8.6% per annum, this is a special campaign for a housing loan from Sberbank. The debt repayment is given a maximum of 30 years. Apply for credit and calculate the acceptable size of monthly payments here: www.sberbank.ru/ru/person/credits/home/buying_complete_HOUSE.

Mortgage plus maternity capital

Specifies when issuing credit programs Promotion on new buildings or purchase of finished housing. Special condition: Real Estate is drawn up in the ownership of who takes a loan. If the borrower is married, then housing can be made in the ownership of spouses. Maternity capital money is used as an initial contribution or to repay a part of the loan. Details about this housing loan Sberbank: www.sberbank.ru/ru/person/credits/home/mot.

Construction of a residential building

This loan is not highlighted on the purchase of already finished real estate, but for the construction of a private house. The initial contribution of the loan is 25% of the total. Interest rate - from 10% per annum. As a deposit, the future house or other real estate is made, as well as the land plot on which construction will go. Before designing the house, the borrower is obliged to provide any guarantees on the loan. This may be a guarantor or other property in the form of a collateral. Terms of this housing loan program from Sberbank and Calculator: www.sberbank.ru/ru/person/credits/home/building.

country estate

A housing loan option from Sberbank for those who have long been dreaming about the country or country house. The loan is provided to the purchase of already the finished housing of this type and its construction, as well as to purchase a land plot. The initial contribution is 25% of the loan amount. Interest rate - 11.5% per annum. Detailed information: www.sberbank.ru/ru/person/credits/home/buying_cottage.

Military mortgage conditions

A special housing loan program from Sberbank for existing servicemen who participate in the cumulative and mortgage system. Money is available for the purchase of finished real estate with a rate of 10.9% per annum. The maximum loan amount is 2,220,000 rubles, an initial contribution to at least 20% of the loan amount. Details about the program: www.sberbank.ru/ru/person/credits/home/military.

Documents and requirements for the borrower

To obtain a housing loan in Sberbank, the borrower must confirm its solvency. This is done using the certificate of income from the place of operation in the form of 2-NDFL. The borrower should work in one place for at least six months, the bank manager will definitely look into the employment record. You need a passport of a citizen of the Russian Federation, as well as registration.

Getting money under the conditions of housing loan from Sberbank in 2018 can face aged 21 to 75 years. Pensioners need to provide a certificate from social protection bodies. If the client has too small income, it can attract co-coaches and take Sberbank housing loan together with them.

Conclusion

Reliable conditions for housing loans from Sberbank in 2018 attract the attention of many customers. The bank tries to make a percentage rate of small, this year for transactions fully executed and prisoners on the site, there are minimal interest rates. No one housing loan Sberbank is not taken by the Commission.

Each young family wants to live independently, so the issue of housing is the most discussed topic. Few who have enough money to make any accommodation for cash. Therefore, mortgage loans are the only way to acquire. Sberbank has many banking products in this area and offers on preferential terms to design housing loans. The choice of Sberbank is obvious, because the bank shows its stability in work, despite the economic difficulties that occur in the country. In addition, its popularity is due to the fact that Sberbank has many branches and ATMs in Russia. Therefore, there are no difficulties with repayment of the loan, as the office is always in walking distance.

To begin with, it is necessary to understand what the two of these concepts is different. For a long time, everything is clear, it is a purchase of real estate under its deposit, while property is the property of the bank for the entire credit period. The housing program is different from the mortgage in many parameters. First, the maturity of the debt is small, the apartment is also not the property of the bank. The loan is made directly to a person, for this reason, the lending period is strongly reduced, and the interest rate is higher. This is explained by the fact that Sberbank goes to the appropriate risk and wants to protect himself, as it provides the borrower with its own cash, but it does not put burdens on the property. It turns out that a housing loan is the misuse of funds, in contrast to the mortgage, which is intended exclusively for the purchase of real estate. Since the bank risks significantly, then increased demands are imposed on the borrower, and its financial consistency is very carefully checked. Be sure to Sberbank will check the credit history if it is bad, then get this loan will be problematic, the bank will give a refusal.

Housing program from Sberbank 2019

Housing lending is the allocation of cash for the purchase or improvement of living conditions. Unlike mortgage, funds are used to buy any real estate - this country house, apartment, garage, and for construction. In order for the Bank to approve a loan, it needs to be provided as a collateral movable and immovable property - it is an apartment, precious metals or other products, a car. In the event that the borrower ceases to respond in its debt obligations, the bank will reimburse the damages.

Citizens of the Russian Federation prefer to take mortgage loans in Sberbank, this is explained by the fact that it is sustainable and safe, and its activities are not related to political and economic situations in the country. Housing Credit from Sberbank has new conditions in 2019, which allow each layer of the population to choose favorable offers.

Important. A prerequisite for all types of mortgage is the purchase of real estate in Russia, and the amount cannot be less than 300 thousand rubles. The exceptions are military mortgage loans, also the maximum maturity of the program provides for 20 years.

Consider more details, all programs that operate in Sberbank today.

Acquisition of finished housing

Housing loan from Sberbank under credit conditions in 2019 asks the borrower to make an initial contribution from 15 percent of the total value of real estate. However, the program provides for the relevant benefits that apply to young family, where one of the spouses did not reach the age of 35. Also, the relevant preferential offers are provided to parents who raise a child alone. For young families, the interest rate is from 8.6%. The duration of the credit period reaches 30 years.

Important. There is an action with the support of the Government of Russia, which provides 6 percentage rate on the housing loan, but only young families with children can receive it.

For all other citizens, the initial amount of investments is from 20 percent, and the finished bet starts from 9.5 percent. At the same time, the period is chosen individually, depending on the financial consistency of the borrower.

Buying property in new building

The loan is provided to citizens who want to acquire housing in a building under construction or already in an erected residential building. To participate in the program requires real estate in the new building. The borrower needs to make a first installment, which is at least 15 percent of the cost of housing. In this case, the bank asks to provide mortgage property. Sberbank takes a deposit of any real estate owned by credited, even the one for which a housing loan is taken.

Annual interest rate begins from 9.4%, but to get it, the borrower needs to comply with all the requirements of the program, as well as provide a full package of necessary papers in Sberbank.

Important. The new building is selected only by accredited construction companies Sberbank. Then you can get a loan from annual percent of 8%. The web page of the credit and financial institution has a list of developers who take part in lending to the population.

All these organizations have accreditation in Sberbank, for this reason you can not worry that the construction is frozen and credited will not receive its housing.

Mortgage Program Plus Maternity Capital

This housing loan Sberbank extends to young families with children. You can take part in the shares for the purchase in a new building or purchase a finished property. Mortgage provides that property is drawn up on one spouse or in equal shares on all family members. Maternal capital, which is located on a savings account, is used as an initial contribution. They can also pay some part of lending.

Housing mortgage for the construction of new housing

When it is necessary to build a private house, then it is possible to get a loan in Sberbank. Under this program does not fall into the constructed property, only the one that is planned to be built. The loan is given if the borrower will be able to provide a bank in a deposit of real estate, for example, a land plot on which construction will be carried out, it is also possible to lay an apartment or future building. Thus, the bank is trying to minimize possible risks.

The interest rate on the loan begins from 10%, but the initial contribution should not be below 25 percent of the amount that will be required to build a residential building.

Special conditions for military lending in Sberbank

Sberbank housing mortgage is provided to those who at the moment serves in the Armed Forces of the Russian Federation. For military personnel, there are special benefits, as they take part in the mortgage lending system. However, the loan amount under the current conditions cannot exceed 2 million 200 thousand rubles, the minimum contribution is 20 percent, and the annual rate is 10.9 percent.

Crediting program for suburban real estate

This version of the mortgage loan is suitable for those who have long dreamed of their house by the country or garden. Cash in this kind of loans can be aimed at the construction, purchase of a land plot, as well as for the purchase of a country house. This housing program from Sberbank provides a percentage rate of 11.5 percent per annum. But for its security, the financial institution has established an initial contribution of 25 percent of the total amount.

Requirements for the borrower in Sberbank

Mortgage loan is issued to persons who are not under the age of 21 and not older than 75 years. In the event that the pensioner wants to issue a loan at the bank, then it is imperative, in addition to the main documents, to provide a certificate from the social service.

For citizens who have a job need to present a certificate of 2-NDFL, which accounting can be prepared. Sberbank welcomes if the borrower worked at the last place for the work of 12 months, while the overall work experience cannot be less than 5 years.

If the credit card cannot independently perform debt obligations to the bank, then you need to attract two guarantors. Then the bank summarizes all revenues and issues a loan for the purchase of real estate or building a house. It is worth paying attention to that the second spouse always performs the coacher, regardless of the presence of income. However, in some cases, it is simply impossible, for example, if a husband or wife is not citizens of Russia, or this condition violates the item of a marriage contract. Mortgage loan is issued to persons who have permanent registration in the territory of the Russian Federation.

Documents required for the provision of housing mortgage in Sberbank

At first, the client fills the questionnaire, represents the identity paper, in other words, the passport. It must present a marker about permanent registration. In addition, Sberbank requests a second document as security, which confirms the personality. The borrower independently chooses which type of documentation is easiest to make a bank employee. It can be a passport, driver's license, military ID.

An extract from a cumulative account is also needed, which indicates that a person has sufficient funds in order to make the initial mortgage deposit. If the property that is purchased is and a pledge, then the client must provide all the papers for this object for 90 days.

In the event that the family participates in the new program, then additional information will be needed. This is a certificate of marriage, if there is a child, his birth certificate. In the event that the family is incomplete, then the certificate of marriage is not presented. When the purchase of real estate occurs at the expense of maternal capital, then a certificate needs the presence of these funds. In addition, parents need to be discharged from the pension fund, in which the balance should be indicated. All documents submitted to the Sberbank branch are valid for one month from the moment of filing.

Housing loan receipt and maintenance

A citizen can contact any branch of the bank, for example, at the place of registration or company, as well as directly in the proximity of the object, to which the loan is taken. The application is seen within 5 business days. In those situations where there is not enough time, the application can be issued on the web page. In Sberbank, it is impossible to choose the method of monthly fees. The banking organization uses annuity payments, so the percentage is immediately charged to the entire loan amount. Therefore, in the first months, the borrower pays completely interest on the loan. Early repayment, may also be provided for incomplete repayment on the loan.

Before choosing the appropriate program and leave an application, you must carefully examine all the items of the agreement. This will continue to avoid unforeseen situations. The main advantage of Sberbank is the lack of commission fees. Sberbank in 2019 offers various types of mortgage loan, while each of the customers can choose the most preferred for itself. In addition, Sberbank offers to use the products at the affected interest rate.

Living loan is often becoming the only possible option for a family: it allows you to buy the necessary living space and approach it immediately, paying the cost for several years.

Many banks have developed special credit loans, which can be obtained to buy almost any real estate.

Mortgage

In the context of competition and customer struggle, banks offer different types of loans and loans. They are divided into targeted (for example,) and non-target (consumer), cash and non-cash (credit cards), differ in sums and other issues. Among them is a mansion worth a mortgage.

Mortgage is a special type of loan, which is issued solely to buy housing. Its main feature is that it will be possible to get housing in full property only after paying the entire amount.

When buying an apartment, the borrower declares it as a collateral to the bank, which is listed by its owner until the entire loan is given. Only after that the owner transmit all documents and ownership: it receives the right to sell, give, exchange and acquaint the apartment at will.

This allows banks who are more willing to agree to the issuance of large sums, since the risk of losing money is minimized. On the other hand, the lender can live in the apartment and equip it, without waiting for the end of payments.

Unlike a regular loan for a large amount, which does not imply the mandatory availability of pledge, mortgage has some advantages:

• the mortgage percentage is usually significantly lower than that of the loan: for example, it can be obtained under 10-11%;
• dates constitute several years, some banks provide installments for 20-30 years;
• the amount of mortgage is also much higher: it is usually no less than a few million;
• monthly payment is also usually smaller and fixed: since the apartment is already paid, it will not be able to grow in price;
• to repay mortgages, you can use maternity capital or special preferential programs to young families.

The mortgage loan has some drawbacks: so, when paying for an apartment by credit money, the borrower immediately receives it in full possession, also requires a larger number of documents and time.

In addition, the amount that needs to be taken in the mortgage, usually begins from 300-500 thousand rubles: if the borrower needs less likely, it will refuse him. Do not forget that the mortgage loan is not issued without the initial contribution, which can be 10-20% of the cost and should be paid by the borrower independently.

It is important to note: when choosing a loan or mortgage, absolutely all conditions must be taken into account: in some cases, the loan may be much more preferable to the mortgage loan.

Banking requirements

At the same time, banks put forward a number of conditions not only to borrowers, but also to the purchased housing.

The borrower must approach age limits, have a permanent job with a sufficient level of income.

Often it is necessary to specify the co-coacher or other person who undertakes to pay the balance of debt for the borrower.

The purchased apartment should be approached by a number of requirements, the main thing is from which it should not lose in price in a few years:

• real estate should not be an emergency house or prepared for demolition;
• better if it is located in a developed area with good infrastructure;
• often, banks prefer secondary housing, since it has already been built and commissioned.

At the same time, many banks can increase the interest rate if the above conditions are not observed: for example, only the foundation of the building is built, the borrower does not fall into the age category or does not have the necessary work experience. In this case, the raising of the rate is the ability to "discard" part of the cost if any trouble occurs.

How to get a

To get a loan you need:

1. Select several organizations and clarify their representatives all the conditions and get preliminary approval.
2. Then you need to collect all the required documents and write an application form. (By the way, the sample application-questionnaire can be downloaded.) After consideration and approval, you can start searching for an apartment.
3. By choosing the appropriate option, you need to discuss with the bank again, whether he agrees to accept such property in the form of a pledge.
4. If the parties came to the agreement, all necessary papers are signed at a tripartite meeting. Money is transferred to the seller, documents for real estate - the bank, the keys and the right to enter the borrower.

Please note: it is better to speak exactly with the lender, and not the real estate seller to know exactly what amount you can count on the loan.

The banking loan for the purchase of housing has a number of advantages, the main of which is the opportunity to move to a new real estate immediately, without spending several years to accumulate money. Thanks to the fixed value, the borrower will have to give exactly as much as he took at the very beginning, without considering the increased prices for real estate or currency rate.

See the video in which the expert in the field of personal finance shares its knowledge, how to get a loan at housing:

Too expensive problem solving tool. Others believe that this is their only chance that will allow accommodation right now. At the same time, paying with the bank is for a very long time. But there is another solution to take a housing loan.

What it is?

Housing loan is a special form of lending, which does not imply the transfer of property secured to the bank. In this case, you simply make a target loan for the purchase of a home or apartment. At the same time, he has a number of its features. Housing loan is becoming increasingly popular. This is due to its main advantages:

1. Comparative simplicity of design;
2. Lack of need for insurance;
3. Lack of property pledge for real estate.

But this form of the loan has its drawbacks. Monthly payments are usually quite high. This is due to the fact that the loan is calculated for only a few years.

What does he differ from the mortgage?

Mortgage is a pledge form, which is superimposed on housing for the entire repayment period. The property is owned by the borrower, and it passes to the lender only in the event of non-fulfillment of loan payment obligations. As for the housing loan, it is connected only with the payment of debt and interest for use.

Note! Credit is issued under a certain purpose, which is stipulated by the terms of lending. As a rule, two guarantors are required when designing a housing loan. But you will not need to transfer home the deposit.

The following requirements are presented to guarantors:

1. The income of one of the guarantors must be proportionate to the income of the borrower;
2. The guarantors should have official work;
3. The age of guarantors should be included in the borders established by the Bank.

Since the mortgage assumes the execution of a collateral for the purchased real estate, the bank does not risk anything. When not payable, it can implement mortgage property. For this reason, the banks provide more favorable conditions on the mortgage. On the other hand, when not paying a housing loan, you do not risk your real estate.

Thus, the following differences are distinguished:

1. The main difference is associated with the right of ownership of the purchase. In the case of a housing loan, a person becomes the owner at once. In the case of a mortgage, the Bank imposes a pledge to the object of real estate, which is not removed until the debt repayment.
2. To obtain a mortgage loan, it is necessary to prove its reliability as a payer. And the acquired property of real estate should be liquid. If you take a housing loan, you will need guarantors.
3. In the case of a housing loan, the total overpayment will be much smaller. But this is due to a significant reduction in maturity, because of which monthly payments will be much larger than with mortgage.
4. Mortgage can be repaid for a period of up to 30 years. At the same time, the buyer overpays quite strongly. This is the optimal solution for those who have no funds for the purchase of their own housing. But if the borrower has about 70% of the cost of the apartment, it becomes possible to pay off a loan much faster.

Basic conditions and requirements for borrowers

Housing loan is issued on a relatively small time interval. In rare cases, it can be comparable to a mortgage. As a rule, it is issued for 5-7 years. As for the mortgage, it will reach 25-30 years. On average, the amount of housing loan is limited to 10-15 million rubles. To get it you need to comply with a number of conditions. They may differ in different banks. So, to obtain a million rubles will have to confirm the monthly income, which should exceed 50 thousand rubles.

There are restrictions on time and sum. Specific indicators will depend on the specific choice of the bank and its requirements.

Even when choosing a housing loan, a down payment is needed, the size of which is determined by many factors. Much is determined by the following parameters:

• Term under the contract
• Individual requirements of the bank,
• Real Estate View - an object under construction, new building, secondary housing.

Some other features that affect the amount of the first contribution are possible. On average, its size is 15-20 percent. After registration you are waiting for interest payments and the balance of the amount of debt.

Providing a housing loan in the new building

There is its own specificity. You may be suggested to make a first installment that will leave at least 30-40%. The monthly payments are expected to pay for a certain percentage, which is usually about 15%.

When buying an apartment, an accredited developer of additional documents will not be required. To facilitate the procedure for obtaining a housing loan, the developer must pass the bank accreditation. Usually the contract is issued until the completion of all construction works. For this reason, it is necessary to carefully choose the developer, checking it on reliability.

How and where to buy an apartment on credit

To purchase a loan apartment you need to evaluate our own abilities in maintaining a large loan. To do this, it is important to identify the following parameters:

• How old you have left to pension;
• Average monthly family expenses;
• Cumulative income working family members;
• Accumulations that can be used as an initial contribution;
• Approximate cost of housing.

Select multiple programs in several banks. Then refer to them to discuss credit conditions. This is due to the fact that in the process of consultation, additional features and payments may appear, about which there are no information on bank sites. You can submit a preliminary application for a loan to find out how much the bank can offer you. The decision maker is from two days to a month.

After approving the apartment by the bank, there is a deal. As a rule, a deposit for the apartment is taken from the buyer so that the seller stops searches for buyers. This amount will be small, but sufficient to compensate for losses in the case of a transaction. After signing the contract of sale between the buyer and the seller, the bank lists money.

Comparison of banking proposals Table

Bank	Program	Sum	An initial fee	Interest rate	Credit term
Sberbank of Russia	"Acquisition of finished housing"	From 300,000 rubles to 15 million rubles	From 20%	From 12.5%	Up to 30 years
VTB 24	"Purchase of finished housing"	From 1.5 to 90 million rubles	From 15%	From 13.5%	Up to 30 years
Gazprombank	"Acquisition of an apartment"	From 500,000 rubles to 8 million rubles	From 20%	From 11.35%	Up to 30 years
Sovcombank	"Credit secured by real estate"	From 1 to 15 million rubles	From 20%	From 14.99%	Up to 15 years
Deltacredit	"Credit for an apartment or share"	From 600,000 rubles	From 15%	From 12.5%	Up to 25 years old
Raiffeisen Bank	"Apartment on the secondary market"	Up to 20 million rubles	From 15%	From 11%	Up to 25 years old

How to get a loan to improve housing conditions

If necessary, get a loan to the first apartment often arise problems. But if you already have it, and you want to improve housing conditions, you can use credit funds. Banks offer programs to improve living. In this case, funds are provided on the guarantee of already available housing. The funds obtained can be used at their own discretion on repairing or improving the characteristics of an apartment or at home.

Standard requirements look like this:

• The age of the borrower from 21 to 60 years,
• Official work experience at least six months
• On average loan is granted for up to 15 years.

Note! Housing loan you can get not only for the purchase of new real estate, but also for repairs or reconstruction of available housing Or some part of it.

Lending terms:

1. The minimum loan is 300 thousand rubles, and for Moscow and the Moscow region - 600,000 rubles.
2. The maximum loan amount is 10 million rubles, but not more than 50% of the value of the apartment layered.
3. The period of payment of borrowed funds is from 3 to 15 years.
4. The interest rate is set from 15.5%.

In Delta, a loan is a program provided to improve housing conditions. She has the following main parameters:

How to get a loan for secondary housing

First you need to decide. According to the law, the real estate is on which it has already been received. It does not matter the year and the status of the construction. Therefore, secondary can be like a fairly old house, and relatively recently built.

To get a loan, you must first approve a loan application. It is desirable to choose several banks. Collect a package of documents for them and approve the loan amount. When the amount is known, you can pick up an apartment. Do not forget to prevent the seller that you will pay for the deal at the expense of credit funds. When a contract between you and the seller will be issued, the bank will list the necessary amount for the apartment. And you will only have to pay payments.

What is better, mortgage or housing loan? Everyone in his own way decides this question. One of the advantages of the mortgage is the ability to pay a loan for a long time with respect to small sums. But if you have the main amount and not enough not so much for the purchase of housing, the housing loan will suit the best way. In this case, for a relatively short period of time, you can pay the remaining cost of housing.

What is better, housing loan or mortgage - on video

The advantages of this or another way to solve the housing issue explain Sberbank experts.

Sberbank actively issues loans to various segments of the population for all sorts of needs. Credit for the purchase of housing is one of the most common forms of monetary loans provided by the Bank.

Dear readers! The article tells about the typical ways to solve legal issues, but each case is individual. If you want to know how solve your problem - Contact a consultant:

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Conditions

To date, Sberbank provides the following options for the target issuance of a loan for the purchase of housing:

• purchase of housing under construction;
• acquisition of the finished residential area;
• loan for the construction of a residential building;
• purchase housing in the secondary market.

When making a loan for the purchase of finished housing, the client receives the amount of at least 10,000 dollarsThis, provided that the maximum loan amount will not be more than 85% of the value of the assessment of the property being purchased or other property of the collateral.

How to arrange?

Considering the question of how to take a loan in Sberbank for the purchase of housing, it is necessary to take into account the fact that such loans are not provided without making an initial contribution.

Its size is 10% of the cost of ready-made housing and 15%, if we are talking about obtaining a loan for the construction of a residential building.

You can make a loan in any branch of Sberbank, in which there is a cash desk for making the initial money fee.

After granting the borrower of all necessary documents, there is a consideration of a credit application, the results of which the borrower is reported in the telephone mode.

The client has the ability to make a loan using an online application. In this case, all the necessary information is sent to them remotely and about the decision of the bank, the client is notified by telephone.

Types of loans for the purchase of housing in Sberbank

Target loan for the purchase of housing for maternity capital in Sberbank

Maternal capital (other name is family), this one of their forms adopted in Russia state support for families who have replenished on the second and each subsequent child. Its size varies annually.

When the program only started its functioning, the loan was issued in the amount 250 000 rubles, By the current year, its size began to equal 453 000 rubles.

The loan is issued to one of the parents and has a certificate of non-cash settlement. Its purposeful purpose may be as follows:

• improving the housing conditions of the family, involving the construction or acquisition of a significant immovable area, be it a country structure or an apartment in a high-rise building.
  

  You can take a similar loan in order to repay a loan for the purchase of real estate;

• for payment of the child's studies, school, kindergarten, training in high school, etc.;
• for multiplication in the future parent pension.

The use of a loan for other purposes is prohibited by law.

Without the initial contribution

This program is designed for the following categories of citizens:

1. Young families.
2. Citizens deprived of their own housing area.
3. Persons, for a long time standing in line for residential real estate or to improve their living conditions.
4. An additional loan expressing the desire to obtain an existing mortgage loan issued in another institution.

Only Russia's citizens who are 21 years old with permanent work, which guarantees a stable income can take advantage of this credit program.

The advantage of obtaining a loan without the initial contribution has citizens who receive wages to Sberbank's accounts.

Look for the answer to the question - is it possible to take two credits in Sberbank? All you need to do is go to, and familiarize yourself with the material.

And if you want to know how, you need to go over the suggested link, and read our article.

Credit without the initial contribution is issued in Sberbank on the following conditions:

1. Only in the Russian national currency, for a period of up to 30 years, with a percentage rate in the range of 11.6 - 13.6% per annum.
2. Acquired residential real estate is insured at mandatory.

3. The interest rate increases by 1.25% in the case of the acquisition of housing under construction and in the event that its registration process has not yet been conducted.

4. If the house is purchased outside the city, the interest rate can be reduced under the condition of the placement of the land plot.

Young family to buy housing

The family is called the young if one or both of the spouse is not older than 35 years old. A loan to such families in Sberbank to buy housing provides for a loan in the amount of 75 - 90% of its cost, for a period of no more than 30 years.

Interest rate fluctuations are 10-20% depending on the conditions for obtaining a loan. A monthly payment schedule is drawn up, which guarantees the timely repayment of credit debt.

Consumer credit

An application for issuing a consumer loan to Sberbank is considered in the period from two to five days. Its amount is from 300,000 to 10 000 000 rublesLending is carried out for a period of up to seven years.

The consumer loan interest rate is calculated using a special calculator located on the Sberbank website.

When using it, close attention should be paid to filling all the necessary fields, in order for the final result to be faithful.

If any questions arise, they can be discussed online with bank employees.

Requirements for borrowers

Sberbank puts forward to persons applying for a loan to buy housing such requirements:

• age from 21 years;
• the final age at the end of the term of the loan agreement not more than 75 years;
• period of employment experience at least six months at a particular place of employment;
• availability of at least three borrowers if it is impossible to confirm its own solvency.

List of documents

For registration in Sberbank, a loan for the purchase of residential real estate is required to submit the following list of documents:

• application for the provision of a loan written by the borrower personally;
• predupless filled questionnaire;
• applicant passport;
• documentary evidence of the presence of a permanent source of income in the borrower;

• documents indicating the right of the applicant's ownership of the acquired real estate;

• documentary evidence of the presence of the first mortgage contribution;
• passport guarantors on the loan (if necessary).

The list of approximate and can be modified depending on the conditions of each specific loan.

The final information of the borrower can get at the Sberbank branch in his city when applying for a loan.

Interest rates

Interest rates of the loan may vary depending on the type of loan provided in the range from 10 to 25% per annum in national currency, from 13 to 15.5% per annum in US dollars and from 11 to 12% per annum in euros.

Their ultimate value is determined by the conditions of each specific credit loan.

Maximum and minimum amount

The minimum amount of loan for the purchase of housing in Sberbank is 45 000 rublesMaximum reaches 85% of the market value of the residential area purchased.

The initial loan fee is 15% of the cost of housing.

Timing

Sberbank provides loans to buy housing for up to 30 years. Specific times may vary depending on the type of credit loan provided.
How to repay?

Repay the borrower's loan can anyone acceptable for it. It can be mixed payments that mean repayment by the same parts of the body of the loan and percent on it or payments extending the same part of the amount of the principal debt.

The first of these payments in practice are obtained more than the latter, and the bulk of the amount is the interest of the bank.

To pay off a loan, you can not wait for the deadline for its end, but not before the expiration of the three months from the moment of the conclusion of the loan agreement.

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Advantages and disadvantages

Credit for the purchase of housing in Sberbank has the following advantages:

1. The reality of obtaining a loan with young families, due to the more willing issue by the Bank of such loans compared to consumer.
2. Low interest rates of credit compared to other types of loans.
3. The lack of banking commissions, including for maintaining a bank account.
4. The presence of benefits upon receipt of the loan with young families.

5. The ability to quickly obtain the missing for the purchase of residential real estate of funds.

6. The ability to attract loan guarantors If it is impossible for a borrower to pay credit debt.

Disadvantages of the loan in Sberbank for the purchase of housing:

1. Finding the acquired property in pledge at Sberbank.
2. The inability to independently dispose of accommodated housing throughout the term of the loan agreement.
3. Ability to lose housing in the loss of ways to pay loan.