2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Annually, ratings of the most reliable and best banks in the Russian Federation are compiled. In this list, Sberbank ranks first in terms of mortgages for secondary housing. This is due to the fact that this institution has a huge number of programs for individuals and private entrepreneurs. As a rule, clients prefer to issue loans for the purchase of living space. Apartments are very popular, which can be purchased under construction or newly built houses. However, many people still prefer to buy property in the secondary housing market.
Standard loan terms of this type
Before you move on to applying for a mortgage on secondary housing at Sberbank or finding a suitable living space for acquiring ownership, you should better find out the conditions offered by a credit institution. First of all, it must be taken into account that such loans are targeted. Accordingly, funds will be issued exclusively for the purchase of real estate. The client has no right to spend money on something else.
In addition, there is a minimumthe amount the customer can receive. According to the terms of the mortgage of secondary housing in Sberbank, it is 300 thousand rubles. There are also certain restrictions on the terms of lending. Today in Sberbank this period is 30 years.
If we talk about the duration of consideration of applications from borrowers, then, as a rule, it all depends on what documents the citizen provided when applying for the corresponding loan. As a rule, in order to take out a mortgage for secondary housing in Sberbank, it is necessary to confirm the presence of a permanent place of work and salary. In some situations, the bank may meet the client halfway and consider the application without these documents. As a rule, such a loyal attitude works in favor of the holders of salary or pension cards.
The percentage of mortgages for secondary housing in Sberbank directly depends on how long the loan was received, its amount and many other parameters. In addition, today there is a special program for young families. According to its terms, the interest rate will be lowered. In addition, spouses have the right to receive additional subsidies and benefits from local governments at the place of registration.
Features of bank loans
If we compare the purchase of real estate in a new building or the secondary housing market, the difference is small. Of course, the first difference is in the percentage of overpayments. If real estate is purchased in an old house, then, as a rule, the interest rate of Sberbank on a mortgagefor secondary housing will be 10.5% per annum.
When it comes to new buildings, you will have to pay a little more - 11.5%. But again, it all depends on the specific situation. In addition to bonuses for young families, there are also preferential terms for Sberbank customers who have been holders of credit, debit or pension cards for a long time.
Based on this, an increase in the interest rate may also occur. For example, it will be increased by 0.5% if the client does not have a card to which the salary is transferred. Before the housing is registered by the client, he will also have to pay another extra percentage. The overpayment amount increases by 1% if the borrower refuses to take out life and he alth insurance. An increase is also provided if the borrower has not provided a certificate confirming information on income. Based on this, the difference in overpayment can be about 4%, depending on specific conditions.
Sberbank: mortgage for secondary housing, interest rate and down payment
If we talk about the size of the 1st payment, it directly depends on the payment term. If the client is ready to pay 50% of the total cost of housing as a usual contribution, then if paid before the expiration of 30 years, the interest rate will be 13%.
If, under the same conditions, the mortgage is paid in a period of up to 20 years, then the overpayment will be reduced to 12.75%. If the client cannot provide such an impressive initial payment, then he canpay from 30 to 50% of the cost of the apartment. In this case, for up to 30 years, he will be able to repay the debt with an overpayment and at 13.25%.
If payments are made within 10 years, this figure will drop to 12.75%. The highest mortgage rate for secondary housing in Sberbank will be waiting for those who, as a down payment, will make from 20 to 30% of the total cost of housing. In this case, with a maximum loan term of up to 30 years, the overpayment will be 13.5%.
Based on this, it becomes obvious that the longer the payment and the smaller the first payment, the greater the interest per annum. Therefore, before applying for a mortgage of secondary housing in Sberbank, it is worth weighing your options and thinking several times. It may be much more profitable to wait a few years, but to make a larger down payment and end up losing a lot less money on commissions. Over 30 years, the savings will be impressive.
How to get a mortgage?
This program was created for those clients who want to purchase an apartment house or any other living object, about which it is on the real estate market.
In order to receive funds, you must first fill out a form that can be found on the official website of the credit institution. By the way, customers can immediately calculate the mortgage for secondary housing in Sberbank.
This document scares some people, as it consists of 6 sheets. However, the more accurately the client fills in all the data, the more likely it is that he will receive the funds.
The personal data of the applicant and his contact information must be indicated in the questionnaire. The purpose of the loan must also be stated in the application. After filling out all the necessary papers, it is enough to visit the bank branch. You must have a passport of a citizen of the Russian Federation and additional documents to confirm your identity with you. And besides this, you must provide a certificate in the form of 2 personal income tax.
Mortgage in Sberbank for secondary housing in 2017
Today, according to the bank's program, the minimum loan amount should be from 300 thousand rubles. There is also the smallest interest rate on lending, which is 10.25%. This minimum is provided exclusively for the program of Sberbank "Mortgage to a young family" for secondary housing.
In order to obtain this status, it is necessary that the spouses have at least 3 children. In all other cases, the interest rate may vary depending on the specific loan amount, the client's income, down payment and loan term.
Resale mortgage process
After filling out the questionnaire and providing all the necessary documents, the bank teller must wait for a positive decision from the head office. Next is the selection of a specific secondary housing. When everything is ready, the client is provided with a loan agreement, which he must study in detail and sign. After that, registration of rights to residential real estate in Rosreestr is carried out. At the final stage, the client receives the desiredmortgage of secondary housing in Sberbank.
Can I get a loan without a down payment?
Many people are interested in the possibility of receiving funds without the obligation to make initial payments. It is worth saying that today there is no such service or program in Sberbank.
The only way to avoid the initial deposit of funds is to use maternity capital instead, if the borrower really has the right to do so. In all other cases, clients must deposit at least 20% of the total property value.
Loan amount and down payment
If a client plans to purchase real estate located in St. Petersburg or the capital of the Russian Federation, then the maximum loan amount under the basic program can be up to 15 million rubles. If we are talking about the region or other regions of the Russian Federation, then the limit does not exceed 8 million.
At the same time, the minimum threshold for receiving funds has been reduced for residents of small settlements. Today it is 45 thousand rubles.
If a serviceman plans to get a secondary housing mortgage at Sberbank, then the maximum loan amount will be calculated based on NIS deductions.
Additional terms
Mortgage loans are always considered on a case-by-case basis. First of all, bank employees pay attention to the level of income of the borrower, and the period of time that he works in one place.
If the client does not meet the requirements of the organization, then he can attract co-borrowers. They may be family members. In this case, the total income of the entire family will be taken into account.
Property requirements
Sberbank puts forward one more requirement to its borrowers. The housing they want to buy must meet the indicator of stable liquidity. Accordingly, the condition of the building in which the apartment is located and the fact how worn it is will be considered. If the house is too old and, according to experts, its depreciation is more than 60%, then there is a high probability of refusing to receive funds.
The building should not be of the dilapidated type. Houses that are about to be demolished or need major repairs are also undesirable. The apartment must have central water supply, heating, cold and hot water.
Features of preparing documents
After the borrower has received a positive response to his application, he is given 60 days to collect an additional set of documents for the purchased property.
It is also worth considering the program under which a citizen receives a loan. If he chose a standard mortgage for two documents, then only they and a completed application form are required from him. When it comes to military personnel, in addition to the passport of a citizen of the Russian Federation, they must provide a certificate of participation in the NIS.
If as primary paymentmaternity capital is used, it is necessary to attach the necessary certificate and paper from the PF.
Nuances of mortgage registration
As in any other credit institution, Sberbank prefers an individual approach to a particular client. Thanks to this, at any stage of processing or collecting documents, a citizen of the Russian Federation has the full right to contact employees by phone or in person with any questions.
After all documents are collected and papers related to real estate are provided, a loan agreement is signed and insurance is issued. At the same time, you should definitely carefully study the contract and do not hesitate to ask unnecessary questions to the operator. The fact is that in some cases, the contract provides for additional paid options, for example, SMS notifications to a mobile phone. They can be disabled at the request of the client.
Resale mortgage reviews
Since Sberbank is reliable and stable, it is very popular with customers. However, some note that the percentages in this case are not the most attractive.
In addition, many have noticed a large package of documents that must be provided to complete the application. Among other things, mortgage lending involves several stages. Accordingly, the client is forced to spend extra time to once again visit the branch.
However, it is worth considering the main positive side of Sberbank - the reliability of creditorganizations.
Mortgage for secondary housing in other banks
If we talk about the fact that Sberbank has too high interest rates, then you should pay attention to the same programs in other credit institutions.
For example, in VTB24 the overpayment will be at least 13-14%. If a client applies to Gazprombank, then the commission will be at least 12%. In "Rosselkhozbank" you can get loans with an overpayment of 11.5-15.5%. At Alfa-Bank, the minimum interest rate will be 11%.
Besides, most credit institutions do not have as many bonus and preferential programs as Sberbank. Therefore, before obtaining a loan, it is worth weighing all the advantages and disadvantages several times.
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