What loan amount can I expect?
The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.
I was denied a loan. Why? What to do?
The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.
If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.
How to increase the chances of obtaining a mortgage with a small official salary?
For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.
I am an aged person, will they give me a mortgage?
You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.
If I receive a salary on a Sberbank card?
Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.
· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.
· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income statement and a copy of the work book.
How can I find out the overpayment on my future loan?
You can see the amount of the overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.
Is it profitable to buy a borrower's life and health insurance policy?
Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.
Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan when insured event(disability or death).
I am a citizen of another country, can I get a mortgage?
Mortgages in Sberbank are issued only to citizens of Russia.
Who can be a co-borrower?
Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.
For example, to increase your chances of receiving a larger amount upon approval, you can involve co-borrowers - participants salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.How to use maternity capital in favor of a mortgage?
You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. By minimum size We recommend using the DomClick calculator for the down payment.
When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving Money maternity capital, since this amount is transferred from Pension Fund not right away.
Also, maternity capital funds can be used for early repayment of an existing loan.What are the additional costs associated with obtaining a mortgage?
Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:
· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);
· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;
· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;
· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration istrations (is additional service and paid separately)
· leases safe deposit box and payment for access to it (when buying secondary housing for cash) or payment for a secure payment service - from 2,000₽ .
The cost of services is approximate. Check the exact cost on the websites of the respective services.
Which is better: new building or resale?
As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.
No one lived in a new building before you, the price per square meter is less than that of an apartment of the same class in a secondary building, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents will not move in, most likely, they will have to wait for the development of infrastructure and the completion of repairs at the neighbors.
As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.
What is the processing time for a loan application?
Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
How is the process of obtaining a mortgage at Sberbank through DomClick?
Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.
However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach Required documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.
When the property is selected, upload the necessary documents in the DomClick office.
Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out in the center mortgage lending Sberbank.
The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!
Why register on DomClick?
After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.
How do I find out the decision of the bank?
Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.
The unique Dom Click service from Sberbank significantly simplifies the procedure for selecting, applying for and registering a mortgage. With it, you can purchase a mortgage loan not only an apartment in a new building, but also secondary housing, as well as the cherished square meters in the house at the construction stage.
The content of the article:
The online service appeared only a few years ago, but has already won positive reviews not only among young families who want to choose and buy an apartment, but also among those who want to sell their property.
The Dom Click real estate center is designed to unite a seller or developer, a potential buyer and employees of the Sberbank branch where the application for a mortgage will be submitted.
The portal developed by Sberbank specialists has the following functional:
Simply put, DomClick allows you to buy an apartment with a mortgage loan from Sberbank without spending a lot of time traveling to the bank. All formalization actions are performed online, and you will need to come to the bank only with the original documents.
Services are provided by a subsidiary of Sberbank, which guarantees transparency and security deals.
Smartphone owners can use a special application DomKlik, which is available for download in Google Play Market and AppStore.
What housing can be chosen using the portal:
Find in your city and see projected residential complexes or already commissioned multi-storey buildings quite simply via the Internet. The developer's employees will help you to visit the construction site and tell you where to download the plan of the future house in order to choose the living space that suits you personally.
But with secondary housing, not everything is so clear.
Main questions that arise for those who are just thinking about such a purchase:
Especially potential buyers are worried about the time that will have to be spent on various inquiries about the number of owners, debts for housing and communal services, registered persons. After all, time is the most precious resource.
The DomClick portal has already taken care of getting rid of such worries, and links to additional services are placed on the pages of the service.
When applying to purchase a resale property through Dom Click, the bid starts from 8.6% per annum.
The potential buyer has 2 options- choose secondary housing from the list available in the DomClick database, or choose an apartment yourself.
Let's start with the first option and consider the whole process in detail.
For example, if the borrower has a total work experience of 20 years, but for the last 6 years he has been unemployed - Sberbank refuse on credit.
If the apartment is selected, or you just want to understand procedure for payments and settlements with a bank - you need to go to the page of the online mortgage calculator.
If the apartment is chosen by you in the database of offers of the Dom Click service - the mortgage rate decreases by 0.3%.
To get advice or ask a question, contact Sberbank at a toll-free number 900 or 8 800 555 55 50 .
Must be attached ALL pages of the passport even if they are empty.
The application processing time is from 1 to 3 days and depends on a large number factors. Unfortunately, there is no way to speed up the process.
After submitting an application for a mortgage, if approved, you must go through the following steps:
It is especially convenient that if you choose a property that has a label “Approval online”, this means that the collection of documents by Sberbank will produce independently.
How to choose an apartment online in order to visit the bank only once, to sign a loan agreement, we will tell further.
If the decision of the bank positively, the most interesting stage begins - the selection of an apartment in accordance with the approved amount.
You will receive an SMS message with the amount of the approved loan, and the bank manager will contact you to clarify the details.
In our example, let's take a closer look at how database search service from Sberbank.
Also, it is possible to display and filter the results directly on the map. To do this, press the button "On the map" at the top right of the screen.
As well as, additional properties:
“Approval online” means that Sberbank, together with the seller or agent, will independently collect the documents necessary for approving the apartment.
Also, you can immediately send an application for approval, if such a function is available, or calculate the mortgage fee.
Also, you can look for an apartment for registration in a mortgage and on one's own. As a rule, for this they use:
Be sure to find out:
After the approval of the loan application and the selection of a suitable apartment, a comprehensive examination and legal due diligence can be carried out either with the help of special companies, or by contacting the Sberbank service at pravo.domclick.ru
If the apartment is legally clean, it is necessary to conduct it assessment. At this stage, you can also use the services third party organization, or entrust it to Sberbank and its evaluation service ocenka.domclick.ru
After the bank approves the housing offered by you, the final stage of drawing up a loan agreement and processing a transaction and real estate begins. These stages are considered by us in separate thematic articles.
We are waiting for your questions in the comments! We will try our best to answer as quickly as possible!
by the most in a simple way buy a home in our time is a mortgage. People choose for themselves a variety of apartments: from secondary housing with ready repairs to new buildings at the construction stage. There are a huge number of housing options on the Internet, which are offered by both realtors and construction companies, but despite this, it is not easy to make a choice in favor of one or another option due to inferior service in relation to the client.
This is what this portal is for. DomClick from Sberbank"- a site that contains verified advertisements for the sale of housing with the ability to view real estate and immediately leave an application for a mortgage and, if approved, buy it. Some categories of objects are subject to the minimum rate for Housing loan which makes the apartments as accessible as possible for citizens.
To enter personal account DomClick you need to go to the official website at https://domclick.ru/ and in the upper right corner, click the "Login to your personal account" button. Next, the system will prompt you to enter a username and password. Number can be used as a login mobile phone or e-mail specified during registration.
Entering it, you must go to the farthest section on the right "Taxpayer Documents" - "Contact the tax authority".
To apply, we will need an electronic signature, which can be obtained from an accredited registrar. (An electronic digital signature (EDS) is done in 30-40 minutes at one of the accredited companies in the office over a cup of coffee and costs an average of 3,000 rubles.)
After receiving it, it will be necessary to attach an extract from the Unified state register real estate (EGRN).
An extract from the USRN is an electronic document signed by an enhanced qualified electronic signature(EDS) of the state registrar.
Since, according to Law No. 218-FZ, an extract from the USRN is a proper certificate of the state registration emergence and transfer of rights to real estate, this document may be submitted in order to confirm the right to property tax deduction.
Thus, by attaching an extract from the USRN in the personal account of an individual on the tax website, you can easily receive a tax deduction for purchased housing.
If you have any questions, then write them in the comments to this article.
In 2016, Sberbank launched an Internet portal that simplifies the application for long-term loans for the purchase of real estate, the search for suitable housing, the selection of insurance, registration legal documents. A whole list of possibilities is available to users: from submitting an application to a project to repair a future apartment.
DomClick.ru is free internet service, bringing together buyers, developers, realtors, real estate experts and lawyers. Borrowers can not only familiarize themselves with general characteristics lending facilities, but also see video presentations.
Available on DomClick and paid services, for example, electronic registration in Rosseestr, the cost will be calculated individually, depending on the specifics of the transaction. Or the urgent generation of an extract from the USRN, including a document with a digital signature - the service costs from 49 rubles.
Properties presented on the site, checked and approved largest bank RF. Customers are given the opportunity to choose the best price and receive a discount on the loan rate.
All companies registered on the site are partners of Sberbank, which guarantees the safety and purity of transactions, all stages of which are controlled by the organization's specialists.
For users of smartphones and other mobile gadgets available mobile version service that has the same capabilities as a portal on the network. The application "weighs" 9 MB, installation is possible on Android 4.1 and higher. Installation on products Apple, will require 55 MB of free space and an operating system from iOS 9.0. You can download distributions on GooglePlay and AppStore, respectively.
Authorization is required to use the resource. The login and registration button is available on the main page of the portal. Clients who have already applied for a mortgage through contacting the operational office and have a positive decision, an account is created automatically. Together with approval, an SMS message with a password is sent to the mobile number, the same number or e-mail specified in the questionnaire serves as a nickname.
Login is possible through the Sberbank Online Internet service, all data is encrypted, which creates a secure connection. After creating a personal account, personal data from Sberbank Online is automatically uploaded to a new DomClick profile.
The second way is to register on ipoteka.domclick.ru or follow a link from the official website of Sberbank. It is suitable for citizens who are only considering the possibility of acquiring real estate on credit. In the tab that opens, you will need to enter personal data - first name, last name, date of birth, phone number, email. The password will be sent via SMS. Registration is confirmed by clicking on the link from the email.
System users are current or potential customers and partners of Sberbank:
Random private and legal entities without verification by security services, they cannot place ads on the site for the sale of real estate, the provision of services. This increases the security of all transactions.
Through the personal account, all the main services of the resource become available:
In addition to the main services, the resource implements additional functions:
From 2020, for many objects, filing an application through DomClick allows you to reduce the rate by 0.3%.
Sberbank partners use the DomClick PRO service, through which you can make an application through the office of a real estate agency or developer.
The built-in online calculator quickly performs a preliminary calculation of the cost of the mortgage, calculates the amount of the monthly payment. Before making an application, comparing financial capabilities and needs for square meters, the service helps to determine the required loan amount. The calculation is available in your account or on the website even without registration.
The calculator is a set of "rulers" according to which:
Activating the "calculate" button provides comprehensive information - the full cost of the loan, overpayment, minimum payment, repayment schedule. Under the result of the calculation, there will be a link “Loan Terms”, all the parameters of the mortgage program are described here, depending on the choice of the object in the calculator (new building, secondary housing, etc.). You can then move on to submitting an application.
Mortgage calculator of Sberbank of Russia, or online calculator mortgages 2020, allows you to calculate your mortgage online ( mortgage), calculate the amount of the mortgage in 2020, without outside help from Sberbank employees. Mortgage calculator "Sberbank Mortgage 2020" The data obtained will allow you to determine in advance for yourself the maximum mortgage amount, the term of mortgage lending and the optimal mortgage rate, in accordance with your capabilities. Before deciding to buy real estate with a mortgage, we recommend using a new online mortgage calculator Sberbank.
Buying your own home is one of the most important goals in people's lives, especially for young families who make long-term plans for life. Not all young families are able to buy an apartment or house at the initial stage of family life. Mortgage is a great solution housing problems, both for young families and for everyone individuals who want to improve living conditions. A mortgage loan is a fairly long-term form of lending, so you need to make an informed decision when choosing a bank mortgage program in order to buy an apartment on a mortgage, a house or land plot on favorable and completely transparent mortgage conditions. Sberbank offers a wide range of mortgage lending for individuals, as well as refinancing mortgage loans.
MAIN CONDITIONS FOR MORTGAGE LOANS
| Interest rates on Sberbank Mortgage in 2020 | |
|---|---|
| Mortgage programs: | Mortgage rates: |
| Buying ready-made housing in the secondary market | from 8.5% |
| Mortgage for new buildings (buying an apartment in a new building) | from 6.5% |
| Construction of a residential building (individual construction) | from 9.7% |
| Purchase country house(dacha, garden house) | from 9.2% |
| Cash secured by real estate (credit for any purpose) | from 11.3% |
| Refinancing another bank's mortgage | from 9.0% |
| Military mortgage (for military personnel) | from 8.8% |
| State-supported mortgages for families with children | from 5.0% |
| Purchasing a car or garage | from 9.7% |
| Construction of a house under the action "Your house on a turnkey basis" | from 10.9% |
| Mortgage plus maternity capital | from 6.5% |
| Housing renovation program in Moscow | from 8.8% |
| "Far Eastern Mortgage" (special conditions) | from 2.0% |
* Mortgage without a down payment in 2020 is not available at Sberbank, the minimum an initial fee 15 percent. Under the program “Mortgage using maternity capital”, you can make an initial contribution with maternity capital.
