2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Own housing today is not a problem. With the advent of mortgage loans, the acquisition of square meters has become a reality. If you are still interested in how to get a mortgage at Sberbank, then the answer is simple. You just need to choose a program and collect a package of documents. And now about all this in more detail.
Bank selection
If you chose Sberbank of Russia from all the options, you want to take a mortgage here, then this is a very good choice. Sberbank offers many programs of similar lending with flexible interest rates and fairly free conditions. It is also good that by taking a mortgage at Sberbank, you will receive great benefits on other loans and deposits. Having paid a certain part of the mortgage, you will be able to get this amount in the form of another loan, attaching it to the mortgage, and buy a cottage, for example. So, the choice is made. Let's start figuring out how to get a mortgage at Sberbank.
Basic and special programs
Very often, to select the desired program, you just need to come to any bank office in person and say: "I want to take a mortgage at Sberbank." The staff will immediately offer you severalexisting options. Basic lending programs allow you to purchase both finished housing and under construction. Interest rates here depend on your income, and on the amount of the loan, and on the amount of the down payment. You can even take out a loan to build a house. In all these cases, this same residential property will be the collateral. However, there are special programs such as military mortgage or mortgage plus maternity capital. Here, interest rates are much lower, but not everyone is suitable for the proposed conditions of these programs.
Affordable Housing
If the question of how to get a mortgage at Sberbank does not bother you so much, you can wait for a special promotion that is often held at the bank. For example, there are promotions for new housing. The interest is not more than 12, the loan is issued for no more than 12 years, the minimum down payment will be only 12 percent. This is both easy to remember and quite a good offer. There are also frequent promotions for young families. Usually there is a limit on the age of the spouses, and the rate is very low - 10.5%. However, the maximum loan term is 30 years. The amount of the down payment is also small - it is 10%.
General tips
Here are some general tips on how to get a mortgage from Sberbank. To get started, choose the option yourself, you can even calculate the monthly payments on the calculators that are on the bank's website. Then consult with the manager. This must be done in person, not over the phone. Next askemployee to choose the best option for you, taking into account all factors. Let there be several offers in front of you from which you can choose. Stop at a feasible monthly payment, even if the loan term is very long. As for documents, everything is simple here. If you receive wages on a bank card, then you only need a passport to apply. Otherwise, you will have to confirm your income with certificates from the accounting department.
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