2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The most popular desire among today's youth is to purchase their own property. However, a negligible percentage of people can afford to buy an apartment with their own money. Most are forced to apply to various financial institutions. The most favorable at the moment are the terms of the mortgage in Sberbank. They practically do not change over time. The institution offers its customers a really low interest rate, without many hidden fees.
Terms for issuing a mortgage at Sberbank
At the moment, any citizen of the Russian Federation can apply to Sberbank for a mortgage loan. The only limitation is the maximum amount of money that can be issued. It should not exceed the threshold of 85% of the value of housing issued on bail.
Finishing such a loan in Sberbank has the following advantages:
- no commission forgranting a loan or ordinary consideration of an application;
- lack of compulsory life insurance for the borrower;
- individual approach to each specific client;
- possibility to receive a personal plastic card.
Terms of a mortgage at Sberbank: a package of documents
To purchase real estate under mortgage lending, the borrower needs to prepare two packages of documents. One is required when applying for money. It is on its basis that the banking organization will decide whether to issue or refuse to issue a mortgage program. The second package of papers is needed directly for the purchase of housing.
To submit documents to Sberbank, the borrower needs to collect the following documents:
- certificate of employment (form 2-personal income tax);
- extract or copy of work book;
- identification number;
- pension certificate;
- application for a loan (represents a kind of questionnaire);
- passport of a citizen of the Russian Federation;
- documents confirming the identity of the co-borrower or guarantor;
- a copy of a savings book with 10% of the accrued value of housing.
If you need to find out additional mortgage conditions at Sberbank, the loan calculator will help you calculate them. However, in case of special financial difficulties of a personal nature, you will have to visit the nearest branch of the bank.
Terms of a mortgage in Sberbank: how to facilitate payment
It should be remembered that in the RussianThe Federation is now running a lot of programs that involve state assistance in obtaining and repaying mortgage loans. There are a number of benefits that different segments of the population can count on:
- military mortgage;
- program for young families;
- maternity capital;
- governor's program.
All of them can significantly ease the conditions for a mortgage in Sberbank and help to acquire decent housing for young people. At the moment, the policy of the Russian Federation lies in the direction of providing housing to all citizens who need it. Therefore, before applying for a program, you should ask if it is possible to receive a benefit or a state subsidy when applying for a loan.
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