Fill out the application form for a mortgage at Sberbank correctly

Sberbank mortgage application form 2020

Sberbank's mortgage application form is characterized by the following criteria:

• reliability and relevance of the information filled in;
• accuracy regarding the parameters of the requested loan;
• honesty on the part of the client;
• willingness to provide information about the employer and immediate family.

Each client applying for a mortgage fills out a unique form consisting of several blocks. You can receive the form in two ways: print it yourself from the official Sberbank website or contact the nearest service office.

Let's look at a sample form and an example of filling it out in detail.

Download a blank form in Word

The application form for a Sberbank mortgage in Word format allows you to fill out the required data and, if necessary, make prompt adjustments.

You can download a blank form from this link.

Sample and example of filling

The application form for a Sberbank mortgage is filled out:

• with your own hand with a blue/black pen – carefully, without errors or corrections;
• in printed format.

The borrower will need to indicate:

• personal data (full name (if changing surname, indicate the previous surname and reason), date of birth, TIN);
• passport information;
• Family status;
• contacts (current phone number);
• education;
• registration address (there must be a corresponding mark in the passport) + actual location address;
• information about the work (name of the employing company, its details, number of employees, type of activity, position, length of service);
• level of monthly income and expenses (both documented and unofficial income of the client are indicated);
• information about the client’s own property (real estate, transport);
• information about the requested loan (amount, term, purpose of lending, parameters of a potential property, availability of special conditions/promotions, cost of housing, method of issuing a loan);
• SNILS;
• presence/absence of a salary card or other Sberbank accounts.

IMPORTANT! It is recommended to indicate in the application the amount of the loan (mortgage) that is slightly more than required, since there is a tendency for it to decrease slightly after approval of the mortgage application by Sberbank.

After filling out, the client puts the date, his signature and agrees to the processing of personal data.

NOTE! It is possible for a third party to fill out the form with the consent of the potential borrower, but the signature must be affixed exclusively by the client himself.

In order to avoid mistakes, typos and not get confused when filling out a rather lengthy application, you should carefully study the sample application form and all the available nuances.

You can download the completed application form here.

Useful tips

Correctly filling out the mortgage application form at Sberbank is half the success. That's why follow a few simple tips:

1. Please check that all personal information is filled in correctly several times.
2. Be sure to indicate your marital status. Banks trust married couples more.
3. When filling out job information, be sure to indicate the landline phone number of the company where you work. This could be the phone number of the director, accountant, or HR employee. In other words, the person will have to confirm that you actually work for this enterprise.
4. Try to fill out the form as thoroughly as possible. A well-filled questionnaire indicates that the person is really interested in obtaining a loan.

It won’t take much time to fill out a mortgage application form at Sberbank. You can do this yourself at home or at a bank branch with the help of an employee.

What other documents will be needed?

In addition to the completed mortgage application form for Sberbank, employees request the following set of required papers from a potential borrower:

1. Russian Federation passport with registration.
2. Documents for the property being purchased (if the property has already been found).
3. Documents confirming labor activity (GPA, work book, contract).
4. Documents proving receipt of sufficient income (certificate in the form of a bank or 2-NDFL, an extract from a pension account or card).

Sberbank provides the opportunity to submit a mortgage application using two documents, providing only a Russian passport and a second document of the client’s choice (usually SNILS or INN). There is also a simplified mortgage for Sberbank salary clients.

The above list of documentation is standard, however, Sberbank reserves the right to request other documents that, if necessary, will help in a detailed assessment of the client’s solvency and his financial rating. You can read more about the documents for a Sberbank mortgage in a special post.

How to apply for a mortgage from a bank

You can download the form from the bank’s official website, print and fill it out at home, and sign it at the branch (after the employee checks the data). This will speed up the mortgage process. But you also have the opportunity to use the help of a credit manager and fill out an application with him to eliminate errors.

Along with the mortgage application, you need to submit to the bank your passport, a second document, for example, SNILS, a 2-NDFL income certificate and a copy of your work book. The mortgage application is reviewed within 1-10 days, and the credit manager will inform you of the decision by phone.

Sberbank interest rates on mortgages today

Most of Sberbank's mortgage products are characterized by favorable interest rates, ongoing discounts, promotions and special offers from the lender's leading partners. The level of loan rates for mortgage programs is presented in the table below.

The table shows that the minimum interest (from 5) can be obtained as part of the program for purchasing housing in new buildings taking into account government subsidies, in individual residential complexes from Sberbank partner developers, or by obtaining a family mortgage.

The following surcharges may apply to base rates:

• +0.5 p.p. – for clients who do not receive their salary to a Sberbank account/card;
• + 0.2 p.p. — for a mortgage payment of less than 20%;
• + 0.3 p.p. — for refusing the “Showcase” campaign;
• +1 p.p. – when taking out only property insurance;
• +1 p.p. – until the property is encumbered in favor of the bank.

Online application for a mortgage

When contacting the Bank's office in person, the client will be advised to leave an online application for a Sberbank mortgage on the DomClick website, through which you can later go through electronic registration of the mortgage transaction. There is an electronic application that replaces the paper form; you cannot download it, but this is not required.

If the client has an account in the Sberbank Online service, he can fill out an application for a mortgage via Internet banking.

The borrower, co-borrower and guarantor can fill out the online form after registering in your Personal Account on DomClick. There is no way to get a sample of the filling, but all the columns are standard and do not require additional explanation.

The online application form for a mortgage at Sberbank for a borrower/co-borrower consists of:

Personal information about the applicant Information about work experience, salary Electronic passport pages of the borrower/co-borrower

A guarantor for a mortgage, unlike a co-borrower, can be any person, including an outsider. It is important to consider that if the mortgage loan amount is very large, several persons will be required to guarantee it.

To correctly fill out an electronic application through DomClick, follow the Bank’s requirements for uploaded documents

When choosing a guarantor, it is important to consider that he must have a permanent job for at least 12 months with fairly high income and property, movable and immovable. It will be a plus if the guarantor owns a business or has a large bank account.

The fact that the guarantor has a repaid loan can also have a beneficial effect on the issuance of a mortgage - in the eyes of the bank, this will increase his reliability.

Why shouldn’t you apply online for a mortgage to all banks at once?

Correctly filling out the application form for a home loan at Sberbank is half the success. However, it is important to know about someone who will never, under any circumstances, be given a mortgage, no matter how correctly he fills out the application form:

Calculator

Loan amount
Payment type

Interest rate, %

Maternal capital

date of issue

Credit term

Early repayments

Schedule

Table

A mortgage loan requires preliminary calculations at the stage of selecting a bank and a loan program to carefully assess possible risks and future loan burden.

To calculate your mortgage, you can use our mortgage calculator, which in a simple format will allow you to obtain data such as:

• the amount of the current monthly payment (principal + interest for the use of borrowed funds);
• final cost of the loan (including overpayment);
• the level of family income required to repay the debt to Sberbank.

To obtain the indicated information, the user will need to fill out a form with the following information:

• loan size;
• term;
• mortgage issue date;
• credit rate;
• payment system (annuity or differentiated payments).

The results will be presented in the form of a detailed table (with a monthly interpretation of the information) and a graph.

The importance of the questionnaire in Sberbank lending

The questionnaire is attached by a bank employee to the package of documents for the client’s application for a home loan; it indicates basic information about the borrower and the parameters of the loan. The questionnaire is a basic document, in accordance with the data provided in which, Sberbank conducts a preliminary review of the submitted mortgage application (you can find out about the application review period here).

The content of the document is not regulated by law; it is determined by the credit institution itself . In the article we will describe the rules for correct filling and the requirements for the document.

How to fill out a Sberbank application form for a mortgage, sample

You can download a blank mortgage application form here.

First, you need to open the PDF file and do one of the following:

• print the file on a printer and fill it out yourself;
• fill out using automated means (on a computer).

Next, we will look at the filling procedure and provide the necessary samples using the example of handwritten filling.

First page

Section “Role in the proposed transaction”:

• check the box indicating who the person filling out the form is (borrower, co-borrower, guarantor or mortgagor);
• We indicate the full name if the form is filled out by a person other than the title borrower.

Section “Personal Data”:

• indicate the full name of the person filling out the form, date and place of birth;
• put a tick in the appropriate field (male or female);
• If you have a TIN, indicate it.

Section “Data on changes in full name” (if the person filling out the form has had their full name changed, you should indicate):

• date of change;
• previous full name;
• reason for the change.

Section “Passport data”:

• We indicate the series, number, date of issue, code and name of the department that issued the passport, and also put a tick if we also have a foreign passport.

Section “Contact Information”:

• We indicate mobile, home and work phone numbers, as well as email.

Section “Education”:

• We note the level of education available.

Second page

Sections “Permanent registration address” and “Actual residence address”:

• We indicate information about the relevant addresses (region, district, locality, street, house number, apartment number and, if necessary, building and building).

For the address of actual residence, we additionally mark:

• length of residence in the locality on the date of filling out the questionnaire;
• length of residence at the actual address on the date of filling out the questionnaire;
• legal status of housing (own apartment, communal, etc.).

If there is temporary registration, the corresponding fields are filled in similarly to those presented above.

Section “Marital status”:

• put a tick in the appropriate box about the marital status of the person filling out the form (married, single, etc.);
• We indicate whether there is a marriage contract or not, and also indicate the presence or absence of children.

Section “Relatives” (in this section you can indicate up to 5 relatives who may be in relation to the person filling out the form):

• spouse;
• spouse;
• father;
• mother;
• brother;
• sister;
• son;
• daughter.

For relevant persons the following is indicated:

• FULL NAME;
• Date of Birth;
• if a relative works at Sberbank, then the department number.

Third page

Section “Information about the main work”:

• We indicate the type of activity of the person filling out the form (individual entrepreneur, pensioner, student working under a fixed-term or open-ended contract, etc.);
• Next, we write down the full name of the employing organization, its Taxpayer Identification Number, the position of the borrower at this enterprise, the category of the position held (senior manager, mid-level manager, civil servant, worker, etc.);
• We check the boxes, thereby indicating the approximate number of employees working in the organization and the period of work in this organization of the person filling out the questionnaire;
• We indicate the value of the total work experience for the last 5 years and the number of places of work for the last 3 years;
• select the type of activity of the employing organization from the list presented or indicate another.

Section “Monthly income/expenses”:

• indicate the value of monthly income minus personal income tax, and the value of additional income received;
• if necessary, indicate periodic income (for example, alimony, education fees, rent, etc.);
• We also list the total family income.

Section “Information about property” (in this section you can specify up to three real estate objects by marking):

• the region of location of such an object;
• the year of its acquisition;
• square;
• market price.

You can specify up to 2 vehicles, providing the following information:

• registration number;
• brand;
• market price;
• age;
• year of purchase.

Fourth page

Section “Additional information” (if the client receives a salary or pension on a card or account in Sberbank, you must indicate):

• type of income (salary or pension);
• card number.

Section “Confirmation of information and conditions”:

• You must carefully read the text of the conditions for processing personal data and indicate in the appropriate fields the name of Sberbank’s partner organization;
• put a tick in front of “Yes”, and indicate the SNILS number just below.

Fifth page

We continue filling:

• again check the box next to “Yes” so that the bank can obtain information about the credit history, and indicate the code of the subject of the credit history;
• if the application is accepted not on the territory of a Sberbank branch, you should put another tick next to “Yes”;
• Next, you need to indicate the time and date of transfer of the questionnaire to the bank specialist, as well as indicate the client’s full name and signature.

Sixth page

The last page of the form must be filled out only by the borrower or the main co-borrower:

• At the top we indicate the amount of the loan product, currency and term;
• in the relevant sections, you must select the type of loan (consumer, housing, private household plot), indicate the type of loan (for example, for the purchase of finished housing) and indicate the purpose of the loan;
• if there are special conditions, they must be indicated (for example, if a young family receives the product);
• further indicates the category to which the property belongs (for example, apartment, room, residential building, etc.);
• the following values ​​are indicated (if necessary): the estimated cost of acquisition/construction of the main property;
• an initial fee;
• the amount of maternity capital allocated to repay the loan;
• the estimated value of the property proposed for registration as collateral.