Mortgage for many families is considered the onlyoption to buy your home. The procedure for processing the transaction includes several stages. It is important to prepare for them to do everything according to the norms of the law. The stages of mortgage registration in Sberbank are almost the same as in other credit institutions.
Mortgage registration for primary housing is performednot too long compared with the secondary. You just need to choose a developer who works on the programs of Sberbank. The object of purchase is taken as collateral, and funds are transferred for the purchase of housing.
If you buy real estate from previous owners, that is, in the secondary market, then there is a more complicated mortgage arrangement in Sberbank. Stages in this case may be slightly different.
Нужно подробно разобрать программы, предлагаемые customers. It is necessary to focus on the requirements put forward to the borrowers. Only under compliance will it be possible to go through the stages of mortgage registration in Sberbank.
Requirements include:
Other banks have the same requirements, but there may be additional conditions. Usually they are recognized through the website or from a specialist.
To go through all the stages of mortgage registration in Sberbank, you must first examine the property offers. This will determine the amount of the loan, which will need to be registered in the application.
Информацию можно получить через профильные agencies, through the study of publications in newspapers, on Internet sites. When the price of housing is known, it will be possible to evaluate the possibility of paying the first installment with your own funds. For many programs, it is necessary to make a down payment in the amount of 10-20%. The greater this amount, the lower the rate.
You must select a program to implementmortgage registration in Sberbank. The following steps need to be performed only if the credit conditions are completely satisfied. Sberbank offers 8 mortgage products in the primary and secondary markets. There are programs for young families, military personnel, with the support of the state. You can also use the money of the parent capital.
The best rate offered by the program.“Mortgage with state support” - 11.9%. On it you can buy housing in the primary market from specific developers. The maximum amount of mortgage - 8 million rubles for the purchase of real estate in Moscow, the region, St. Petersburg. In other localities, the maximum is 3 million rubles.
To take housing in the secondary market will get a loan at a rate of 12.5%. Its size is determined depending on participation in the salary project in Sberbank, down payment, time of payment.
Before you go through all the stages of registration of a mortgage inSberbank, you need to evaluate their capabilities. This will help determine whether a financial situation allows you to apply for and pay off a loan. You can use the calculator, which is on the site.
You must specify the information on income, expenses,the value of the object, specify the period, the amount of the first payment. After calculation, you can find out the size of payments, overpayment. The calculator will give the maximum amount of the loan, which the borrower can draw on the basis of their income. Calculations are preliminary, so more accurate information should be found in the branch of Sberbank. Client's payment should not be higher than 50% of his income.
To go through the stages of registration of a mortgage in Sberbank in a new building, you need to submit an application to the department. Together with it the following documents are required:
Other documents may be required. Consideration of the application occurs within 3-5 days. The decision is valid for 60 days.
If a positive decision is made,Mortgage registration on secondary housing. Stages Sberbank expects to perform the same as in the primary real estate. With the approval of the application will be a known amount by which the client should be guided when choosing an object.
You can search for accommodation yourself or use the help of realtors. You should rely on the requirements of the bank to real estate:
Only then you can make out a property on credit. The bank proposes to choose objects from partners, because then the application is likely to be approved.
When the property is selected, you need to conclude a preliminary agreement with the owner. The bank must provide documentation on the object:
Sberbank security service is studyingdocumentation, estimated mortgage risk. Then a housing assessment is performed. Then the decision is made, the crediting procedure is initiated. After that, the following stages of obtaining a mortgage in Sberbank can be performed. When do borrowers call on DDU? The decision on the application with the contract of participation in shared construction is reported after its consideration.
All families after the birth of their second child canget maternity capital. It is used to retire mothers, education and home improvement. The stages of mortgage registration in Sberbank under the maternity capital are the same as with the standard clearance. It is only necessary to indicate this in the application, as well as provide evidence of the use of such a right.
With the help of maternity capital you getmake a down payment on a loan. They are used for construction, reconstruction of the house and payment of the purchase contract price. Only then you have to wait until the child reaches the age of three. The certificate can be used to pay the principal and mortgage interest. In this case, it is not necessary to wait for the child's three years.
For applying maternity capital to paydown payment after receiving a loan agreement, it is important to apply to the Pension Fund, to submit an application for disposing of money to pay the mortgage. The application is considered within one month, and two more are spent on the transfer of funds to the bank.
When are the stages of obtaining a mortgage inSberbank on housing under construction, a purchase and sale transaction. It will be necessary to sign contracts: on renting a cell in a bank, on buying and selling, on receiving a loan from a bank.
When these documents are issued, the calculation is performedfor the purchased property: the borrower makes the first payment, which is transferred to the seller’s account, or the funds are transferred to the rented bank cell. The bank transfers or issues cash through a mortgage. The money will be available to the seller after the preparation of the document of acceptance and transfer of real estate, registration and registration by the borrower of the purchased object.
At the end, the borrower must arrange housing for themselves.Ownership is registered in Rosreestre. As confirmation, a certificate is issued for the purchased property. Then you need to draw up an agreement on personal insurance, as well as insurance of collateral.
After that, the transaction is considered fullycomplete. Housing becomes the property of the borrower. Making a mortgage allows you to get your own home for those who do not have the opportunity to purchase it immediately at full value. It remains only to make timely payment for it.
