Favorable mortgage of Sberbank: "Young family"

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

In recent years, the Russian Federation has witnessed the rapid development of various social programs aimed at obtaining housing and increasing the number of children and families. That is why at the moment the best option to get your own housing is the profitable mortgage of Sberbank "Young Family".

Own housing is the most cherished dream of the vast majority of young families in our country. Most of them are forced to rent an apartment or a room. At the same time, the level of wages in the country allows you to pay for such rent, but does not provide any opportunity for the accumulation of financial capital sufficient to buy your property. To solve this problem, the mortgage of Sberbank "Young Family" is called upon. In addition to such a program, there are others similar to it: assistance to young families and maternity capital. Within the framework of such loans, borrowers can count on receiving financial assistance from the state in an amount that is at least enough to make the first installment.

Sberbank: Mortgage "Young Family" (2013year)

This assistance program was launched in June of this year and has managed to gain popularity. Families with or without children fall under the scope of this mortgage lending, however, when applying for a loan, young parents with two or more offspring can expect to receive a very low rate of 10.5% per annum. In addition, the down payment on such a mortgage is only 10%, which will greatly please low-income families.

The minimum amount that can be obtained under the Sberbank Young Family mortgage program is 45 thousand rubles, and the maximum is calculated in each case individually and depends on the solvency of the borrower and the guarantees provided to him. The maximum available term for which you can get a mortgage loan is 30 years. In this case, the amount of payment that must be made monthly will approximately equal the monthly rent. It is these factors that have allowed the program to become so popular in a very short time. At the moment, thousands of families across Russia are collecting the necessary documents to obtain a profitable loan.

Mortgage "Young Family" (Sberbank): conditions for obtaining

To qualify for this program, borrowers must meet the following conditions:

1. All adult family members must be under the age of 35.
2. The family must prove to the administration of the city where the mortgage is issued that it needs improvementliving conditions.
3. The family must not participate in other subsidized programs.

You need to provide the following papers:

1. Russian passports of husband and wife.
2. Certificates from the places of work of co-borrowers, showing their level of income and seniority.
3. Guarantee.
4. Pledged object - in the vast majority of cases, it becomes the acquired property.

Today, Sberbank's "Young Family" mortgage is one of the few convenient and profitable ways to acquire your own housing. This offer is mainly aimed at families with children who are in need of better living conditions.