2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The variety of mortgage options in Sberbank allows you to choose the best loan for each citizen. This type of lending has a huge plus, a bonus, so to speak.
The Sberbank mortgage, reviews of which can be heard everywhere, differs from other programs offered by other institutions. There is no commission, and the initial payment is only 10%. It doesn't matter if it's refinancing a home loan or buying a new apartment. This essential feature is inherent in each type of credit. But what is reality?
How to get?
It is quite easy to get a mortgage loan from Sberbank, you just need to bring a certificate of income in the form of personal income tax-2 and pay 10% of the cost of the apartment. In addition, the bank issues loans both for the purchase of housing in the Russian Federation and abroad. Moreover, the loan currency can be both national and foreign.
Mortgage +
There is such a type of mortgage loan as "Mortgage +". This option will allow you to buy a new apartment on the most favorable terms. Since according to his rules the apartmentcan only be bought from the developer company, which itself took out a loan for the construction of new housing. This can be attributed to both pluses (loan rates will be less than usual) and minuses (housing will be located in a certain area) of this type of mortgage. Therefore, before joyfully signing the contract, it is better to hear the opinions of people already experienced in this matter, who know firsthand what a "Sberbank mortgage" is (their reviews will be useful to you). And only after that you can start processing documents.
"Sberbank": mortgage "Young Family"
The most attractive type of mortgage lending is the "Young Family" program. In this case, the age of the borrower should not be more than 35 years. Such a requirement is put forward by Sberbank. A mortgage for young people also implies a prerequisite for obtaining - the presence of a registered marriage. The advantage of this type of loan is that the income of a young family is considered together with the income of their parents, which greatly simplifies the situation. Parents act as co-borrowers, and this increases the chances of acquiring an apartment. And if a young family has a small child, then the amount of the down payment can be only 5%.
Mortgage "Sberbank": reviews and conclusions
However, it should be borne in mind that, despite the enthusiastic reviews of many borrowers who have taken a mortgage loan from Sberbank, it also has some drawbacks. These include a long waiting period for acceptancedecisions by bank management: it can reach a month or more. The loan term is usually the maximum, plus the loan rate itself will be known to you only upon signing the contract. This is because the rate is set at the discretion of the bank's management. Of the pluses, as mentioned earlier, a low down payment and not too high, in comparison with other mortgage programs, interest rates.
In order to find out exactly all the types of loans offered, you just need to familiarize yourself with them on the bank's website, collect the most complete information on the topic "Sberbank mortgage: reviews and conditions", or go to any of its branches and consult a specialist.
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