Real estate registration in the mortgage center of Sberbank in Moscow

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Mortgage lending is a complex banking procedure that requires increased attention and concentration during registration. The current structure of Sberbank is made up of mortgage centers, whose activities are related to the simplification of procedures for issuing loans secured by real estate. Mortgage centers of Sberbank in Moscow are quite well known, which makes it possible for any potential borrower to choose a conveniently located office. The opening of such centers has reduced the time interval for waiting for the manager's advice.

What are

Mortgage centers are specially created in the structure of Sberbank. This simplifies the interaction with future borrowers interested in obtaining a mortgage. The first mortgage lending center of Sberbank in Moscow was opened in 2008 at the address: st. Sushchevskaya, d.loan.

Today, there are more than a dozen Sberbank mortgage lending centers in Moscow, the addresses of which can be found on official websites. Each mortgage center in the state has a manager who is responsible for the work of managers, responds to complex questions from customers, to their complaints.

How the mortgage center works

The work of the center is built on the principle of "one window", which means that the client has the opportunity to receive a full range of services in the office itself. A future borrower who has applied to the center is en titled to receive:

• consultations of a specialist in mortgage programs;
• clarify how much loan he can qualify for with the condition of his income;
• check out the payment schedule;
• the ability to use the existing database of re altors or developers to select the best housing option.

Conditions

Sberbank Mortgage Lending Center in Moscow is equipped with special rooms for negotiating with clients, which allows you to maintain confidentiality when communicating, as well as individual safes in depositories for transactions. Each client is assigned a manager who provides direct assistance in accompanying him.

Also, the centers work closely with most insurance companies, appraisal bureaus, which provides an additional opportunity to receive valuation and insurance services on the spot.

Mortgage Rates

The Mortgage Center of Sberbank in Moscow offers its clients the opportunity to apply for a loan secured by purchased ready-made housing or secured by another real estate object. The basic program for mortgage lending involves making a down payment of 10% with a loan for up to 30 years at a rate of 9.5% to 14% per annum. The same conditions apply to the purchase of housing under construction. In this case, the initial minimum contribution is from 15% at a rate of 11.7 to 14.7%.

Any Sberbank mortgage center in Moscow or another city offers a special lending program, that is, a chance to take advantage of government-supported mortgages. The following rules apply for this program:

• payment of the initial minimum amount of at least 20%;
• annual rate from 10.5 to 11%.

It also offers the possibility of refinancing a mortgage with the condition of repaying the loan received in another bank for the purchase and construction of housing without a down payment at a rate of 11.7 - 13.5% per annum. Another program offered by the Sberbank Mortgage Center in Moscow is obtaining a mortgage using maternity capital funds. With this registration, the down payment on the mortgage will be 10% of the value of the acquired property (housing), the interest rate is from 9.5 to 14% per annum.

Certain categories of borrowers are offered the following annual interest rates:

• rate"Standard" - 8.6%;
• rate for electronic registration - 8.7%;
• program subsidizing rates by developers - 7.5%;
• under the program of subsidizing rates by developers after electronic registration - 7.4%

Borrowers must be:

• holders of a working "salary" card SB;
• if you have a ruble current account in the Security Council;
• homebuyers under the SB mortgage program.

By calling the mortgage lending center at Sberbank in Moscow by phone, you can get more detailed and accurate information about the conditions of mortgage lending.