What documents are needed for a mortgage in Sberbank

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

The most cherished dream of the vast majority of young Russians is their own property. However, the realities of the modern market almost completely exclude the possibility of acquiring it with your own money, and a large percentage of inflation makes it impossible to accumulate. That is why many young people are forced to apply to various financial institutions and apply for loan programs. Today, the most popular question is what documents are needed for a mortgage at Sberbank. After all, this organization issues the most profitable programs and considers each application for a loan on an individual basis, taking into account many different factors.

Sberbank: mortgage documents

To purchase real estate under mortgage lending, the borrower will need to prepare two different packages of documents: for applying to a banking organization and for directbuying a home.

So, documents for a mortgage at Sberbank:

certificate from the immediate place of employment for at least six months in the form of 2-personal income tax;
certified extract or notarized copy of the work book;
TIN and valid passport of a citizen of the Russian Federation;
application-questionnaire for a loan program;
documents confirming the identity of the guarantor or co-borrower;
copy of the passbook - it must have accumulated an amount of at least ten percent of the cost of the purchased housing.

Sberbank, mortgage: documents for an apartment

When purchasing housing on credit, the borrower must provide the following documents to Sberbank:

results of the appraisal of the acquired property;
cadastral passport and a detailed floor plan of the purchased housing;
notarized consent of the spouse to purchase real estate;
identity documents of property owners;
notarized consent of the spouse of the owner to sell the home;
extract or copy of the house book;
permission from the relevant authorities to sell real estate;
contract of sale.

What are the ways to get the most profitable program

Having collected all the necessary documents for a mortgage at Sberbank, the borrower is advised to familiarize himself with the programs for providing benefits. He must remember thatThe government of the Russian Federation is constantly developing assistance programs for various segments of the population. So, for example, today you can get a significant amount of money under the maternity capital or military mortgage program, which involves not only the state making most of the down payment for purchased housing, but also the provision of monthly funds to service the mortgage program. Documents for a mortgage at Sberbank also allow the borrower to count on the following subsidy government programs:

Sberbank mortgage documents for an apartment

housing for young professionals;
military mortgage;
governor's program;
maternity capital.

By applying for any of the above subsidies, the borrower can also expect to receive the softest loan conditions.

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