Step-by-step guide to applying for a mortgage at Sberbank

Where to begin?

Where to start the procedure for obtaining a housing loan for an apartment, what is needed for this? How do they get a mortgage? The first thing to do is to weigh the pros and cons. Before going to Sberbank, the borrower must be confident in his solvency and willingness to make payments on time every month.

To assess your capabilities, you can use the mortgage calculator on the Sberbank website. In the calculator parameters you need to enter the required amount, term and other criteria.

With its help you can find out:

• interest rate calculated taking into account an individual request (how can you reduce interest on a mortgage at Sberbank?);
• monthly payment amount;
• amount of overpayment.

If your budget allows you to take out a mortgage loan, you must choose a loan program. Sberbank has quite a lot of mortgage offers, which allows you to choose what suits your financial capabilities and needs.

IMPORTANT: Sberbank provides low interest rates and flexible mortgage terms for young families, military personnel and salary card holders. If the borrower belongs to these categories of persons, then he should apply for preferential mortgage lending programs.

Lending terms

At the moment, Sberbank has 3 programs that will suit your goals. You can choose the most optimal option for you:

1. “Your turnkey home” is a unique promotion that is held at the bank for residents of Moscow, Moscow Region and the Lipetsk region. Residents of these cities and regions can apply for a preferential loan to purchase a prefabricated wooden house based on an individual project! The peculiarity of the offer is that your funds will be stored in a special account, and the developer will have access to them only after handing over the property to you. According to tariffs: rate from 10.9% per annum, amount - no more than 8 million rubles, down payment - from 20%, contract term - up to 30 years;
2. “Country real estate” - involves the purchase of a house, cottage, townhouse, land, etc. Lending is also carried out for a period of up to 30 years, at an interest rate of 10.5% per annum and a down payment of at least 25% of the assessed value of the property;
3. “Construction of a residential building” - if you need borrowed funds to build your own home, then for these purposes you will be given a loan at an interest rate of 11% per annum. The return period is up to 30 years, you will need to deposit at least 25% of your own funds.

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You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

Stages of registration: receipt procedure and step-by-step instructions

The procedure for obtaining a mortgage at Sberbank consists of several stages:

1. Submitting an application and documents.
2. Choosing an apartment.
3. Housing assessment.
4. Contacting the insurance company.
5. Bank approval of the apartment.
6. Conclusion of an agreement.
7. Registration of the transaction.
8. Insurance.
9. Receiving the money.
10. Settlement with the apartment seller or developer.

How is the loan issued? The first thing you need to do is submit documents and an application form to Sberbank. The application review period is from 3 to 5 working days. If the bank approves the documents, then the borrower has 2 months to find a suitable apartment.

As soon as housing is selected, the client submits documents for it to the bank. Sberbank checks the papers for the absence of encumbrances, seizures and debts. If the apartment is “clean,” then the borrower calls an appraiser, who sets the value of the property, taking into account its market price.

HELP: How can I get the required amount for an apartment? The bank can only give the amount that is written in the appraisal document. The price set by a specialist may not coincide with the price that the seller asks for the apartment.

Documents for the apartment are also transferred to the insurance company. Based on the property assessment, the company sets the amount of the insurance premium.

Next, the borrower signs an agreement with the bank and enters into a purchase and sale agreement with the seller. The transaction is registered in Rosreestr. After the entire procedure, the client signs an agreement with the insurance company. The last stage is settlement with the seller and receiving the coveted keys to the apartment.

Procedure

The general procedure consists of the following steps.

• Drawing up an application to the bank, providing the first package of documents discussed above. Sberbank approves the preliminary loan amount, taking into account the person’s solvency. In order to qualify for a higher loan amount, it is recommended to find co-borrowers - their income will also be taken into account by the bank.
• Searching for an apartment for the amount approved by the bank, assessing it, submitting documents to Sberbank for housing. You will also need to confirm the fact that the person has paid the first installment. An employee of the financial institution will make photocopies of the provided documents.
• After 5 working days, a mortgage agreement is concluded with the bank, and the client receives funds. The amount is sent to a reserved safe deposit box. After the transaction is registered in Rosreestr, the seller takes this amount.
• Pay the state fee, visit the registration chamber to register the purchase and sale agreement. A person will need to draw up a purchase and sale agreement in 4 copies (for himself, the seller, Sberbank and Rosreestr).
• Receipt by the client of an extract from the Unified State Register of Real Estate on the availability of property rights to housing. Until the debt is repaid, it will be pledged to the financial institution.

Mortgage programs

Features of participation in mortgage programs from Sberbank

Mortgage plus maternity capital

One of the most popular programs in this bank is “Mortgage plus maternal capital”. It involves the use of maternal capital funds to cover the down payment (in whole or in part). You can buy both a finished and an apartment under construction.

Those wishing to use this program must take into account a number of requirements from Sberbank.

• It will be necessary to register the housing as the common shared property of the spouses and their children.
• Within six months from the date of issuance of the mortgage, the client must contact the territorial branch of the Pension Fund of the Russian Federation in order for the funds from the capital to be transferred to pay off the mortgage debt. You can transfer the entire amount or only part of it from the certificate.
• The property pledged is subject to insurance against the risks of its destruction or loss for the entire period of validity of the mortgage agreement. You can apply for a policy at a Sberbank branch.

Young family

The “Young Family” program is designed for those clients who have not yet turned 35 years old. Having children is not necessary, but if they are, the family has the right to claim the following benefits and concessions:

• down payment – ​​from 15%;
• reduced annual % rate;
• the opportunity to reduce the amount of the monthly loan payment until the child reaches 3 years of age (if the baby was born after the mortgage was issued), with a subsequent recalculation of the balance of the debt.

The standard conditions for the program are as follows:

• minimum mortgage amount – 300 thousand rubles;
• minimum annual interest rate – 9.6%;
• The maximum term of the loan agreement is 30 years.

This program is available only if the family plans to purchase ready-made housing.

Mortgage on preferential terms under the state program

Additionally, Sberbank offers a 6% mortgage with state support for families with minor children. The offer is available for families in which the second, third, etc. child was born from January 1, 2020 to December 31, 2022. The mortgage conditions in this case are as follows:

• minimum annual interest rate – 6%;
• the maximum loan amount is 12 million rubles for residents of the capital, St. Petersburg and regions, 6 million rubles for residents of other regions of the country;
• the maximum period of validity of the mortgage agreement is 30 years;
• down payment amount – 20% or more.

A preferential annual % rate applies if a person has insured his life and health. If he is unwilling, the interest rate will be 7%.

What type of borrower should be?

The client applying for a mortgage must be of suitable age and income. These are some of the main criteria by which banks consider applications from borrowers:

• Age – from 21 years.
  Those who want to get a mortgage under the Young Family program must be no older than 35 years old. There is also an age limit for military personnel applying for preferential mortgages. The NIS participant must not be 45 years old at the time of full repayment of the debt. Attention! The maximum age of a borrower applying for a loan under standard conditions should not exceed 65 years at the time of making the last payment.
• The total work experience for 5 years is at least 12 months. The borrower must have been employed at the current place of employment for at least 6 months.
• The borrower's solvency is assessed based on the work certificate provided by him, Form 2NDFL, and other additional documents. The amount of monthly income after making the obligatory loan payment should not be below the subsistence level or be more than half of the monthly payment amount.
• Having a permanent official place of work in a stable or budget company, a white credit history, and the absence of outstanding existing loans will be big advantages for the borrower.

Requirements from Sberbank

General requirements for potential clients are as follows:

• the minimum age on the date of contacting the bank is 21 years;
• age on the date of full payment of the debt – 75 years;
• duration of employment at the current place of work – 6 months or longer;
• availability of documents that prove the applicant’s solvency.

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Real estate requirements

In addition to approving the application form and documents, the borrower needs to get Sberbank to approve the apartment. And for this you need to choose the right housing. Primary requirements:

• The living space must be in a house built no earlier than 1957.
• The apartment must be in a condition suitable for living. Emergency and dilapidated housing cannot be purchased with a mortgage.
• Housing should not be encumbered. Documents for it must be legally clear.
• Sberbank does not allow the purchase of an apartment with illegal redevelopment using a mortgage.

Registration period

When the borrower gives the first payment to the real estate seller in cash or by transfer to an account, a receipt of funds is drawn up and notarized.

After this, all documents are transferred to the Registration Authority, the procedure will take 5 working days, from this moment the owner of the apartment is changed. To complete the final settlement, the certificate is sent to the bank employee, on the basis of which the due amount of credit funds is first transferred to the borrower's account and then transferred to the seller. Confirmation of this operation is the second receipt.

Documentation

The list of documents depends on the chosen mortgage program and the stage of the transaction. For initial consideration, the bank is provided with:

• passport;
• statement;
• a second document confirming your identity (military ID, international passport, SNILS, driver’s license, etc.);
• certificate of form 2NDFL or according to the bank form;
• employment history;
• documents for the collateral (if the mortgage is secured by another property).

After approval of the application, the client provides:

• documents for the living space he has chosen;
• an account statement confirming the availability of money for the down payment (is it possible to get a mortgage without a down payment?).

What do you need to obtain if a mortgage is issued with maternity capital? The borrower must provide:

• certificate;
• a certificate from the Pension Fund about the balance of maternity capital.

If we are talking about the “Young Family” preferential program, then you additionally need to bring to the bank:

• marriage registration certificate;
• child's birth certificate.

Housing with a mortgage: seven main stages of acquisition

Deciding on a mortgage in the difficult conditions of the economic crisis is always extremely difficult. It is required to perform a step-by-step analysis of all available options for purchasing an apartment along with the cost of mortgages and consumer loans. It is also important to study the overall situation on the real estate market. After deciding to take out a home loan, you need to familiarize yourself with all stages of the transaction in advance before drawing up the corresponding contract. So, the procedure for applying for a mortgage at Sberbank is as follows:

• First of all, it is necessary to study the real estate market along with an approximate estimate of the value of the selected property, and in addition, the size of the loan itself.
• Conducting an analysis of mortgage programs offered by Sberbank.
• Carrying out an approximate calculation of the monthly payment and independently assessing the chances of obtaining loan approval.
• Collection of documents required to apply for a loan.
• The procedure for searching and collecting documents for the selected property after approval of the loan application.
• The procedure for completing a transaction for the purchase and sale of an apartment, along with the signing of a mortgage agreement, and in addition - agreements on home insurance, life and health of borrowers.
• The procedure for registering property rights to real estate. Mortgage registration procedure.

Application: content and completion

Important! When filling out an application for a mortgage, you need to be extremely careful. All information provided must be reliable. Inaccuracies and errors are not allowed.

Let's look at the contents of the application and tips for filling it out:

1. Information about the borrower (full name, address, passport, telephone number and place of residence).
2. Loan purposes, amount and term. It is filled out by the borrower according to his preferences, but it is not a fact that Sberbank will approve the specified amount and term. In some cases, the lender will approve the application, but with adjustments to the interest, term and amount (what is the minimum mortgage amount at Sberbank?).
3. Information about place of work, length of service and income. The exact data is indicated, the same as that indicated in the work book and salary certificate.
4. Information about the availability of existing loans. If the client has outstanding loans, then he needs to indicate the amount, date and bank. You should not hide this information from Sberbank, as it will still become known when checking the borrower’s credit history.
5. Information about close family members (their full name, address, place of work, degree of relationship).
6. Family status. The presence of children and a spouse is indicated.
7. Information about existing property (apartments, houses, cottages or cars).

A package of documents for obtaining a mortgage in Sberbank

To apply for a mortgage at Sberbank, you need to collect documents for loan approval. The main list includes:

• applicant's application form;
• personal documents (civil passport);
• employment documentation;
• income information.

The application form can be completed as follows:

• download on the website;
• obtain from a branch of a credit institution.

Important! If you do not have experience filling out documents, you can seek help from a mortgage specialist.

The applicant must present his civil passport and his spouse's document. Additionally, a temporary registration form is attached (if available).

Employment information includes the following documents certified in accordance with the law:

• a copy of the work book - if you have an official job;
• license to carry out activities - for individual entrepreneurs;
• certificate from the Pension Fund - for pensioners;
• lawyer's certificate;
• order of appointment as a notary;
• OGRIP;
• a copy of the employment contract.

To obtain a mortgage, you must have an official income. Its size is confirmed by the following documents:

• certificate in form 2-NDFL;
• certificate of pension amount from the Pension Fund;
• tax return.

Important! If you have additional income, it must also be confirmed. For example, when renting out an apartment, you need to submit a declaration in form 3-NDFL.

Certificates are valid for a limited period. Usually it is no more than 1 month.

Information about collateral

A mortgage loan is issued by Sberbank only on the condition that the purchased residential premises remain pledged to the credit institution until the last payment is made. Therefore, funds are provided only after the execution of a purchase and sale agreement.

The document submitted to Sberbank must contain the following information:

• amount of credit;
• information about the pledge;
• conditions for transferring funds to the seller's account.

Important! Information for processing funds must be provided not only by the buyer, but also by the seller.

Information from the owner

The seller provides documentation confirming ownership of the premises. Among them:

• certificate of ownership (if available);
• the basis for the emergence of the right (sale and purchase agreement, exchange, gift);
• extract from the Unified State Register;
• consent of the spouse, certified by a notary (if he is not involved in the transaction as a seller);
• power of attorney certified by a notary (if the property is sold by a representative of the owner);
• notarized waiver of the right to purchase (if the residential premises are in shared ownership);
• preliminary permission from the district department of guardianship and trusteeship (if there are minor children among the owners).

An extract from the Unified State Register is one of the main documents when making a transaction. Its registration takes 30 days or more. You can obtain the document as follows:

• personal appeal to Rosreestr;
• through the MFC;
• through the State Services electronic portal.

If one of the owners is a minor, the transaction is possible only with the prior permission of the district guardianship authority. The period for issuing the document is at least 14 days. To obtain it, you must provide evidence that the child owns another residential property. The money from the transaction must be transferred to the children’s personal accounts. The document can be obtained from the district guardianship department:

• at the place of registration of the child;
• at the location of the property.

Important! Federal legislation does not provide for rules for issuing permission by the guardianship department. Therefore, obtaining a document is based on regional regulations.

Information from the buyer

The buyer is also responsible for drawing up and providing a certain list of documents for concluding a transaction. It includes:

• permission from the district guardianship department;
• marriage contract (if any);
• information about the availability of a down payment;
• report on an independent assessment of the transaction object.

Permission from the district guardianship department from the buyer must be provided if one of the owners of the purchased property is a minor. Most often, this situation arises if a certain amount for the purchase of residential premises is invested at the expense of the child’s money.

For example, a family (mother, father, 2 children) purchased housing with maternity capital funds. It was registered as shared ownership of all family members (according to). We decided to expand our living space. The apartment was sold. The proceeds from the children's shares were transferred to their personal accounts. To spend this money on new housing, you need to allocate shares to the children in it. If an apartment is purchased using mortgage funds, it is necessary to obtain permission from the district guardianship authority at the place of registration of the children to encumber their property with a mortgage by force of law.

The provision of a prenuptial agreement is necessary if it establishes the separate property regime of the spouses. In this case, the wife is not responsible for her husband’s debts and vice versa.

Information about the availability of a down payment can be presented in the following options:

• receipt for transfer of deposit;
• buyer's bank account statement.

The report of an independent appraiser is ordered at the stage of preparation for the transaction. The buyer can choose a company at his own discretion, or he can use the one recommended by a bank specialist. The assessment and report preparation will take 2-3 days. The service is provided on 100% prepayment.

Documentation for beneficiaries

In addition to the standard list, Sberbank may request additional documentation. This is often associated with the implementation of special programs:

1. For the military. A document from a participant in the savings and mortgage housing system for receiving a targeted housing loan.
2. For young families. Information about marriage (conclusion, divorce); personal documents of the child (birth certificate, passports); information confirming relationship (if parents and children have different surnames).
3. With the participation of mother capital. Certificate for maternal capital; a certificate from the Pension Fund about the balance of maternity capital.

Important! A certificate from the Pension Fund has a limited validity period. It is 30 days from the date of issue.

Approval and possible reasons for refusal

Most often, Sberbank makes a positive decision in favor of borrowers who:

• have a high level of monthly income, which is 2-3 or more times higher than the calculated monthly payment amount;
• officially employed, have work experience;
• are bona fide borrowers with a good credit history;
• are willing to make a down payment higher than the minimum possible.

The creditor may refuse on the basis of:

• small salary;
• incorrectly selected living space;
• lack of collateral;
• lack of official employment and experience;
• damaged credit history;
• non-compliance with the required age;
• presence of a criminal record, debts for housing and communal services and alimony.

We invite you to find out all the details about Sberbank’s refusals and approval when considering a mortgage application.

The variety of Sberbank mortgage programs allows you to get housing on credit in proportion to your capabilities and needs. Low rates and flexible registration conditions provide the opportunity to acquire living space in a short time. The most important thing is to collect the necessary documents, choose the right program and housing.

Sequence of registration: step-by-step instructions

How to proceed and where to start if you want to take out a mortgage to buy an apartment? In the current housing market and economic situation, choosing a mortgage program is an important aspect of improving your life. As a rule, there are 7 main stages in preparing to sign a mortgage agreement:

1. The need to research the real estate market, assess the value of property, choose the loan size.
2. Analysis of Sberbank mortgage programs.
3. Approximate calculation of the monthly rate and assessment of your own chances of success.
4. Drawing up a package of documentation to formulate an application for a mortgage.
5. Drawing up a list of documents for real estate after a positive response from the bank.
6. Registration of purchase and sale transactions, signing of a mortgage agreement, home, life and health insurance.
7. Registration of property rights, registration of mortgages.

On a note. The market research stage is required in order to understand the amount of funds that the bank will handle. It is worth saying that it is recommended to choose partner developers of the institution issuing the loan. The methodology for collecting information will vary depending on customer preferences.

Among the main sources of information, specialized agencies, various publications in newspapers and online publications should be noted; Sberbank also has its own proprietary housing selection service.

Sberbank of the Russian Federation offers 6 products for the purchase of real estate based on the segmentation market. Products are provided, including for preferential categories of borrowers, persons undergoing military service, and young families. In addition, there are promotions aimed at purchasing suburban properties and building your own home.

To assess the real possibilities for success in obtaining a loan, it is recommended to use the calculator for calculating mortgage lending at Sberbank. The calculator reflects the maximum loan amount, in accordance with the borrower’s income level, and allows you to determine the amount of the monthly payment and the total overpayment on the loan.

What documents are needed?

To submit a mortgage application at a Sberbank branch, you must provide the following list of documentation:

1. Application form from the borrower.
2. A copy of the passport of the citizen applying for the mortgage.
3. A copy of the co-borrowers’ passport.
4. Other document: TIN or SNILS, medical/insurance policy, foreign passport, driver’s license.
5. Certificate of registration at the place of temporary stay. Subject to temporary registration.
6. Certificate of income, tax returns from individual entrepreneurs.
7. A copy of the work record, certified by the employer.
8. Marriage certificate (if available).
9. Child's birth certificate (if available).
10. Documents on the provided collateral (available on the website www.sberbank.ru).

Spouse's consent

According to Article 35 of the RF IC, transactions requiring state registration must be notarized. And in accordance with Article 20 of the Federal Law “On Mortgage”, a housing loan is a procedure requiring state registration, which means the need for the consent of the spouse.

Important! The spouse's consent to the mortgage transaction is provided in writing and certified by a notary.

Document review period

In accordance with the policy of Sberbank of the Russian Federation, the maximum period for approval of a mortgage application form does not exceed 1 month. When making a decision, a credit institution relies on the solvency and reliability of the client. The borrower is assessed in three stages:

1. automatic credit assessment;
2. security Department;
3. Risk and Analysis Department.

The period for consideration of an application may depend on:

• loan term;
• bet size;
• mortgage terms;
• the need to evaluate the collateral;
• checking the client's banking history.

Buyer's expenses

The client’s expenses when applying for a mortgage loan can be divided into three parts:

1. apartment appraisal;
2. insurance;
3. other expenses.

On a note. On average, the services of real estate valuation agencies range from 5 to 10 thousand rubles.

Insuring a standard apartment will cost between 0.09% and 0.16% of the loan amount, and 1-2% for a residential building, depending on the parameters of the home. Life and health insurance can range from 0.1% to 2% of the mortgage amount.

Other expenses include various commissions for operations and notary services.