Find out the mortgage balance at Sberbank: mortgage debt balance

You can now find out the balance of your mortgage with Sberbank, the date of the next payment, information about the presence of penalties and fines, and also make the next payment not only by contacting the bank in person, but also remotely. This is very convenient because it allows the borrower to significantly save time, control the mortgage loan and resolve all controversial situations in a timely manner.

Obtaining information through the bank office

In order to find out the mortgage balance, the borrower should visit the nearest Sberbank office. Take your passport and mortgage agreement with you. The last document is needed to specify the account opened by the bank, for example, if you have several loans.

Arriving at the bank, you need to take an electronic queue at the terminal, namely, take a coupon for a mortgage consultation. The ticket will have a number on it (for example, C 08), which will light up above one of the operating windows when it’s your turn.

The bank specialist will verbally advise the borrower about the balance of the debt and also issue a corresponding statement.

How to use an ATM

For financial interaction with clients, Sberbank uses electronic devices - ATMs and terminals. Their difference is that you can deposit and withdraw cash at an ATM, while the terminal is intended only for payment. There are such devices in almost every locality.

At the same time, with the help of these devices, the borrower can not only make the next payment, but also find out all the information on the loan.

To do this you need:

Insert a bank card into the payment device and enter the password.
On the screen, select the sections “Payments and transfers” (“Payments in our region”) - “Loan repayment” in sequence.
You must enter the details of the loan agreement (account number), or scan the barcode on the agreement.
After entering the data, information on the loan will be displayed on the monitor (agreement and account number, borrower data, monthly payment amount and loan balance).
Next comes the loan payment. If you do not intend to make a payment, but just wanted to find out the balance of the debt, then you can always go back, cancel the transaction and pick up the card.

This method of information has its advantages:

No queues, unlike a bank office.
Sberbank ATMs are installed at almost every step (shopping centers, supermarkets, special pavilions).

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Via mobile application

The function of the Sberbank mobile application is available at any time. This is another online way to find out the balance of the debt and clarify how much is left to pay. You just need to open the application - and on the first screen, in the “Loans” column, the remaining loan, including interest, will be indicated. The monthly payment is located just below.

If you select “Your loan” – both through the mobile application and through your personal account on the website, you will find that there is a lot of useful information there. You can not only check the loan balance, but also find out how many loan payments have been received into your account, clarify the status of the agreement (repaid or not), pay off the debt, view the payment schedule and much more. These are two ways to find out the loan balance in Sberbank Online via the Internet.

Do they give information over the phone?

Sberbank has provided the opportunity to clarify many questions over a telephone call. For this purpose, a contact center has been created to provide clients with round-the-clock advice on banking products.

To obtain information about the balance of mortgage debt, there are several support numbers:

900 – free phone call from a cell phone.
8-800-555-55-50 – free hotline for all cities of Russia.
8-495-500-55-50 – telephone line for residents of Moscow (free) and for calls from all over the world (charges are charged according to the tariff).

Loan information will be provided only after your identification. To do this, the employee needs to introduce himself (you may need your passport details) and give the number of the mortgage agreement.

How to create an Internet bank

Connecting to the service and user authorization takes place in several stages:

Connecting the “Mobile Banking” function (SMS Banking). Now this service, at the request of the client, is issued immediately upon issuance of the card. But if for some reason this was not done immediately, then you can get the service through an ATM, at a bank branch or by phone. This will be discussed below.
Registration in the system. There are several options here.
Registration takes place in 3 stages: enter the card number - enter the password received via SMS (arrives within a minute) - indicate the login/password (create it yourself) and email address.
From a smartphone:
Open the application and register (indicate the card number - enter the password from SMS - create a login and password).
Create a password (5 characters) to log into the mobile application. If your phone supports fingerprint scanning, you can also use it to log into the application.
Using an ATM/terminal:
Select the option “Connect Sberbank Online”.
The ATM will issue a receipt with a login and password.
This data must be used when logging into the program from a computer or phone.

After registration, you will have a personal account where you can make and track many financial transactions online. It is better to save your login and password somewhere so that, if necessary, you can log into your profile from any other gadget.

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Summary for the borrower

Russian legislation establishes the right of a citizen to receive information about the amount of debt or its absence from a financial institution free of charge.

Lawyers recommend that when paying the remaining loan amount, request a document from the banking organization that will confirm that the obligation has been fully fulfilled.

It is recommended to request this kind of information in writing from the lender. The received statement contains the required details. In case of refusal to issue a certificate, a complaint is filed with the supervisory authorities.

The following video is about banking lawlessness and certificates of loan closure:

Mar 13, 2018Help Manual Any question you can ask below

Certificate of absence of loan debt

A certificate of full repayment of the loan is an official document that confirms the absence of debt on the loan. Issued by the bank. The certificate must contain the originating number and the date of its formation, the seal of the credit institution, the signature of a bank employee authorized to sign such documents, as well as the loan amount and the date of its repayment.

It is worth noting that any financial institution is obliged to issue the borrower a certificate of full repayment of the loan. Moreover, the client has the right to demand it at any time, and not just on the day the loan is repaid. In Art. 408 of the Civil Code of the Russian Federation states that the creditor, when accepting performance, is obliged, at the request of the debtor, to give him a receipt for receipt of the performance in full or in the relevant part.

But how banks should do this (issue a certificate when closing a loan by default or only at the client’s request, within what period, for what fee) is established by each credit institution independently. Therefore, the procedure for issuing such a document varies from bank to bank.

As a rule, financial institutions provide this certificate only upon the client’s request. To do this, the former borrower must contact the bank and write a corresponding application. In some credit institutions you can order such a certificate through the information center, i.e. A verbal statement is sufficient.

Some banks issue a certificate of full repayment of the loan on the day of application (for example, Probusinessbank), others set a period (at the Ural Bank for Reconstruction and Development - up to three working days, at Raiffeisenbank - from five to seven).

As for the cost of the service, most financial institutions charge a fee for it, on average from 150 to 350 rubles. So, at Zenit Bank the commission will be 50 rubles, for urgency - an additional 100 rubles. Probusinessbank does not charge money for the certificate on the loan repayment day and for a month after this date; after this period, the client will have to pay 500 rubles.

A number of credit institutions provide the certificate free of charge. These are Alfa-Bank, Raiffeisenbank, SMP Bank, etc.

This document may be needed when applying for a new loan from another bank. There are situations when information about loan repayment was not received in a timely manner by the credit history bureau and the borrower continues to be listed there with an outstanding loan. This may result in a refusal to issue a loan at the new bank. A loan closure certificate will help resolve this problem.

In any case, it is better to demand it immediately when repaying the loan. Otherwise, a situation may subsequently occur where the borrower fulfilled all obligations specified in the payment schedule and repaid the loan amount, but during these operations the bank withheld a commission, which is why the loan was not repaid in full and a debt was formed. Therefore, having received the certificate immediately, the client will be convinced that he has fulfilled all his obligations to the bank, and thereby insure himself against possible misunderstandings in the future. The certificate will serve as proof that the borrower has fully repaid the loan.

If the bank refuses to issue a certificate of no debt, you must send there a written request for its provision, and be sure to receive a note from the bank that it has accepted the application. If the credit institution continues not to respond to the client’s request, the client, after a month, can write a complaint to the Central Bank and demand the issuance of this certificate through the court with reference to Art. 408 of the Civil Code of the Russian Federation.

I took out a mortgage loan at a VTB bank branch 24. Having contacted the same bank branch to obtain a certificate about the balance of the loan debt (required for transferring maternity capital funds), I was told that there are two ways: - a free certificate is made 28 working days. days. - paid 500 rub. the certificate is made 3 working hours. day. I ordered a free certificate. 3 weeks have already passed and the certificate is not ready yet. Is it really impossible to get this certificate as soon as possible and for free? After all, Sberbank does this for free and in 1 day! They reported that the certificate is issued with the date of application, and not with the date of receipt, therefore, the certificate will be expired and the Pension Fund of the Russian Federation will simply not accept it. Do you think this is correct? Maybe there is an uneducated mathematician sitting in the bank who manually calculates the balance of the debt using formulas on paper, and you need to pay 500 rubles so that you can give him a calculator for speed? We don't live in the Stone Age! What is stopping you from printing this certificate? If you feel sorry for paper and ink, I’m ready to come to the department with my printer and all the accessories. It is clear that the time frame for issuing this certificate is not limited by law, but there is a limit to everything. Clients already pay a lot to the bank, and you also force them to pay money for a certificate of their debt! Opinion about the bank is going nowhere lower... And who do you think will recommend VTB 24 Bank to their friends and acquaintances? That's right, no one. Do you like to read comments like this to yourself? I think if you respond to this complaint, the answer will be in the form of links to articles in the law...

How to make SMS banking

Activation of this service is possible with the help of a banking specialist:

By phone. Call the hotline, provide the requested information (bank card details, passport details, code word), after which the employee will send you an SMS notification.
By visiting the bank in person. You must take your card and passport with you. The bank employee will do everything for you.

There is another way to connect to the service - through an ATM. The procedure here is as follows:

Insert your card into the ATM and enter your password.
We find and sequentially select the sections “Information and services” - “Connect mobile bank”.
We choose the desired tariff, which depends on the type of card - 30, 60 rubles. Some cards are serviced free of charge (MIR Gold, Visa Gold, etc.).
We indicate the phone number to which the service will be linked.
We confirm the connection.

If the device is located in the bank’s office, most likely a consultant will come to your aid. And if not, now you know how to act.

Where can I see my mortgage balance?

To track credit debt in the Sberbank online system, you must perform the following steps:

Select the “Loans” tab, where all existing obligations will be highlighted.
Click on mortgage loan.
Click on the “Detailed information” tab, where all the information on the mortgage will be presented: the total loan amount, its breakdown into principal and interest, the loan rate, loan terms, contract details, as well as the remaining debt amount. If you wish, you can also view an electronic payment schedule here, where previously deposited funds will be taken into account.

So, we have examined in detail all existing methods of tracking the balance of mortgage debt at Sberbank. As you can see, you can get the necessary information in any convenient way, both in person and using Internet resources anywhere. And this is another reason why many clients prefer this bank.

How to find out the balance of mortgage debt at Sberbank

The bank offers its clients to track their mortgage loan finances as follows:

By personally contacting the bank.
Through special payment devices (ATMs, terminals).
At the bank's call center (by phone).
Through Internet banking.

It is important to note that the loan information service is absolutely free.

Let's take a closer look at each of the ways to track debt.

Why do you need a certificate of loan debt?

This certificate may be required in the following cases:

If a citizen needs to receive confirmation that all obligations under the concluded agreement are closed and he no longer has debts to the bank;
If a citizen needs to obtain a loan from another bank. But there is no information in the credit history bureau or it is irrelevant at the present time;
In cases where the loan was repaid using maternity capital funds. As a rule, the data must be submitted to the country’s Pension Fund;
When a citizen needs to refinance an existing loan from another organization;
If a citizen needs to confirm the tax return that is filed in order to receive income tax after the property has been purchased. The document must contain information about the balance of the debt and the amount of interest that was withheld for the entire calendar year;
If citizens get divorced in court and divide property.

In all cases, the citizen will have to provide this document at the place of request. To do this, you must first obtain it, and this can be done in several ways.

Features of obtaining a certificate.

There are several ways to obtain this document. You can obtain a certificate by contacting your bank office. Or, for example, use your personal account on his website. If a citizen decides to contact a bank office, he will have to take his passport with him. The manager will help you fill out an application to receive this document.

Although the application form does not have a strictly established framework, the bank will definitely help you draw it up correctly and competently. This can also be a pre-prepared sample that a citizen can rely on when writing. Or he will be allowed to draw up a statement in free form.

Ready documents are issued within 1 to 10 days. But this, as a rule, depends on what type of loan the citizen took out. If you need a document about a consumer loan, you will have to expect to receive a certificate within 24 hours. But regarding mortgage debt, it will take a few days.

A mortgage document can only be obtained at the branch where this type of loan was issued. But for debt on consumer loans you can get it at any branch.

The process of obtaining a certificate is strictly confidential. Employees cannot show or give out this document to other people. As an exception, there may be a case when the recipient can confirm the authority to receive it by providing a power of attorney.