Affordable and interesting loan at Sberbank for housing

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

As of today, a loan from Sberbank for housing is one of the most interesting ways to acquire your own real estate. The most important thing for the borrower is that the mentioned bank has become more loyal and unbiased to its potential customers.

This alone is good news. Currently, there are 7 loan programs, 3 of which are basic and 4 are special.

What makes it possible to get a loan at Sberbank for housing? The list of options, it should be noted, is quite impressive. Citizens, using the funds of the lender, have the right to either buy the property they like (new or under construction), or independently engage in construction. In the second case, it is allowed, for example, the construction of residential buildings, as well as garages. On what conditions is a mortgage granted in the Savings Bank of Russia? It is clear that all seven existing programs differ from each other in some details. Below are the criteria that can rightfully be classified as general(basic):

• The maximum term for which a loan can be issued is 30 years;

• The minimum amount depends on the currency: in rubles - 45 million (or the equivalent in US dollars or euros). As for the construction of country houses, here the amount is much more modest. It is 300 thousand rubles or the equivalent in foreign currency;

• The maximum amount is not regulated. However, its size cannot be more than 85% of the value of the object (and the latter can be either contractual or estimated. In any case, the smaller one is chosen);• collateral - the property being acquired or the one that is already owned by the borrower. However, a loan from Sberbank for housing can also be issued against other types of security.

Next, let's talk about interest rates. The mechanism of their formation is not simple. A number of factors are of particular importance to the amount of interest at which a loan is issued at Sberbank for housing. The main one is the size of the down payment. Here the dependence is inversely proportional: the higher it is, the lower the rate. The period during which the borrower intends to repay the amount taken is also important. The sooner he does it, the less he pays. Finally, the place of work of the client matters: for the teams of some organizations there are special loy alty programs. If you want to get a loan from Sberbank of Russia, you must meet a number of requirements. First, you need to be at least 21 years old, but not older than 75 years old by that day,when you can happily say, “I don’t owe anyone anything!” Secondly, the registration of a loan of the type described is available only to citizens of Russia. You can confirm this fact with your passport. The rest of the requirements are quite traditional. Take at least the same work experience. Or a good credit history. Moreover, we are talking not only about the nature of relations with this banking institution, but also with all the others. Pay attention to such a moment as attracting guarantors to the planned transaction. Moreover, the spouse must necessarily act as the Title co-borrower.