2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Evaluation of real estate is an item that must be completed when purchasing an apartment / house on credit. And since there are more and more cases of mortgage lending every day, it means that the demand for appraisal companies is growing inexorably. Moreover, the state is obligated to comply with such a requirement by law. Thus, it wants to protect the interests of financial institutions as much as possible.
Naturally, Sberbank is no exception in making such demands on its borrowers. What is required to perform appraisal work and which companies can be contacted to receive such a service will be discussed below.
Evaluation of real estate for a mortgage in Sberbank: a necessity
Many borrowers, applying for a mortgage loan, wonder why the bank puts forward such a requirement. The main reason for this is the desire to protect yourself as much as possible if the client is unable to pay loan payments. For example, citizen Adecided to buy an apartment on credit, chose the option, turned to the bank. The lender agreed to mortgage lending for this object, gave the money to the seller. After some time, due to the circumstances, the borrower cannot close the loan debt. As a result, the bank needs to sell mortgage housing, and use the proceeds to pay off the payments of the "unfortunate client".
And what should a creditor do if he discovers that he can sell an apartment only at a price that is much lower than the amount of borrowed funds? In this case, the financial institution remains in the red. If there are not one or two, but several hundred such situations, then the bankruptcy of the organization is not far off. As you can see, real estate appraisal for a mortgage at Sberbank or any other credit institution is just a way to protect the lender from financial risks.
Assessment steps
Carrying out such work is a simple matter for the borrower. All that he will need to do initially is to prepare the required documents, a certain amount for paying for the services of an appraisal company and directly contact the organization itself. Then everything will go in this order:
- Signing a contract for appraisal services. This document should contain complete information on the timing and cost of work, details of the parties, the purpose of the event, the address of the property being valued and other important items.
- Advance payment.
- Waiting for appraisal to finish.
- Get ready report.
- His surrender to the creditor.
As mentioned above, real estate appraisal for a mortgage in Sberbank ends with the client receiving a report on the work done. This document will contain photographs of the apartment / house and the surrounding area, information about the condition of the dwelling and the age of construction, the presence of socially significant objects nearby (hospitals, kindergartens, schools, shops, pharmacies, public transport stops, etc.), property value.
Required documents
As a rule, all appraisal companies request the same type of documents from their clients. He is:
- passport of a citizen of the Russian Federation;
- documents confirming ownership of real estate;
- passport of the dwelling itself: cadastral and technical.
The list is not that big, so there shouldn't be any problems with collecting it. But at the same time, we must not forget to make photocopies of all the listed papers. It should be noted that in some cases the appraisal company may request the provision of another list of documents. But this happens only in exceptional cases.
In order not to make a mistake in choosing a company that provides a service such as real estate appraisal for a Sberbank mortgage, you should pay attention only to those appraisers who are accredited by it. So which company allows Sberbank to contact?
Mortgage real estate appraisal: list of organizations
The Bank allows real estate appraisal only in a certain list of companies. This is done in order to minimize fraudulent acts and save from various kinds of risks. So, Sberbank allows you to use valuation services in the following organizations. Keep in mind that each region has its own list, below are the most popular institutions in Moscow that evaluate real estate for a mortgage at Sberbank. Feedback on them is mostly positive.
So:
- City Appraisal Company LLC;
- KO-INVEST LLC;
- FBK LLC;
- SArGee Mortgage Center LLC;
- LLC Spetsotsenka and others.
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