Parents who have two or more children, oftenit is necessary to understand the question of whether it is possible to repay the mortgage ahead of schedule in Sberbank. From the conditions of using the loan depends on how soon the family will be allowed to use an important state subsidy - the mother's capital.
In those cases when state aidused for housing construction, purchase of square meters, payment for educational services or the formation of a funded part of a pension, money can not be obtained until the baby is three years old. If the maternity capital goes to pay off the mortgage, you do not need to wait until the end of the decree. That is why the registration of a housing loan with the right of early repayment becomes the main means for parents to gain access to the subsidy.
Commercial banks, as a rule, do notare interested in that customers return the loan ahead of time. Therefore, many potential borrowers are worried whether it is possible to repay the mortgage loan ahead of schedule in Sberbank.
Getting a loan, it is important to read and analyzecredit documentation line by line, not succumbing to the provocation of employees who want to hurry you. Terms of repayment of the loan is usually devoted to the whole section of the contract. Pay attention to the schedule of payments - it can be placed in a separate application. Are the dates indicated in it convenient for you? Is the amount of the monthly payment too high? The terms of early repayment are detailed, although they can be cited in footnotes or hidden in the abundance of text typed in small print.
Many banks are trying to limit the right of customersto repay the loan in full or in part before the terms specified in the contract. To do this, additional conditions are often added to the credit documentation. For example, these are:
Conditions limiting the borrower's right to repayobligations ahead of time, become especially relevant during the financial crisis. Therefore, many customers are beginning to doubt whether it is possible to repay the mortgage loan ahead of schedule in Sberbank.
In the country's largest financial institution, anyloans are allowed to return earlier than the dates established by the contracts. The commission is not required to pay for it. It is permissible to make money even the next day after receiving the loan. The principal debt will be closed or reduced subject to simultaneous repayment of accrued interest. It is only important to inform the bank in writing not later than two working days what date and amount you wish to repay ahead of time. Based on this notice, responsible employees will conduct a repayment transaction. Otherwise, the funds deposited by you will be deposited in a special account and will be written off to the account of debt repayment on the loan every month in accordance with the payment schedule.
The notice of the early repayment of loan funds is drawn up and signed by the client in person at the bank’s office.
Many recipients of maternity capital alsointerested in the question of whether it is possible to repay the mortgage in Sberbank on Saturday? The operation to return the loan obligations will take place on the same day, if the office in which the loan was issued works. If the branch is closed on Saturday, the mortgage will be paid off on the next weekday. On Sunday, credit operations are not carried out.
Some clients familiar with the principles of workcredit cards, are wondering whether it is possible to repay a mortgage in Sberbank without interest ahead of schedule? After all, the “plasticity” almost always sets a grace period, which can be up to 50-60 days. When repaying the loan in full before the expiration of the specified period, the interest is not paid. However, the grace-period mortgage is not set. Even if you return the loan the next day, you will have to pay interest for the day you use the loan money.
The Pension Fund of the Russian Federation also often receives requests as to whether it is possible to repay a mortgage in Sberbank ahead of time using maternal capital.
In 2016, the size of the parent certificate is still 453,026 rubles.
To take advantage of the subsidy, parents of two or more children will need to assemble a package of documents established by law:
- marriage certificate (divorce);
- certificate from the housing department about the composition of the family;
- birth certificates of all children;
- birth certificate;
- Notarial obligation of parents to give children a share in housing.
Next, you need to prepare a second set of documents containing information about the loan agreement:
With correctly prepared documents in one month, the Pension Fund will transfer the amount of the certificate to a special bank account.
To do this, one month after filingthe second set of documents to appear in person at the mortgage office of Sberbank. By phone, employees are not allowed to give financial information unless a code word is entered for you.
However, it is much more convenient to control the paymentmaternity capital through a personal account in the Sberbank Online system. Using the username and password, you will track the flow of funds through any computer connected to the Internet. You can enter Sberbank Online through ATMs, payment terminals, as well as using a mobile application.
Увидев, что материнский капитал достиг «пункта destination, contact your credit manager. Check beforehand whether it is possible to repay a mortgage in Sberbank right now. Be prepared to go to the office and write a notice.
After the transaction, the payment schedule is recalculated - the amount of the monthly payment decreases proportionally.
Parents planning to get in the near futureparent capital is often interested in whether it is possible to repay a loan in Sberbank ahead of schedule and take a new one. According to the legislation, any individual can conclude at the same time several loan agreements. From this point of view, in order to get a new loan, it is not necessary to repay an existing one.
But the lenders of the bank, analyzingthe possibility of granting a loan, count your solvency. It is determined on the basis of certificates of income. Already existing liabilities are also taken into account. The level of debt burden on a person should be such that he can repay debts on time, at the same time providing food for himself and non-working family members. There are also some loan products that must necessarily be covered by collateral or guarantees.
Выплатив досрочно ипотеку, вы можете вновь offer unencumbered housing to the bank as security for new loans. On the security of financial organizations give loans much easier and more willingly.
However, if your loan is a mortgage, take your timeextinguish it ahead of time, if you assume that the money may again be required soon. Housing loans, as a rule, are the cheapest to maintain, and the terms of financing for them are the longest. Mortgage interest rate ranges from 11% per annum. On consumer credit, it increases to a level from 14.9 to 21.9% per annum. For housing loans, the maximum financing period is 30 years, for consumer loans - only 5 years. It is possible to re-take a loan on the terms of a mortgage only on condition that you buy a new property.
Families who have to change their placeresidence, worried: is it possible to repay a loan in Sberbank in another region ahead of schedule? Ongoing loan payments can be made normally. To do this, it is enough to transfer the required amount in a timely manner to the account specified in the contract. But the early repayment from another region, the borrower will not be able to personally carry out. After all, to carry out this operation, it is necessary to come to the office of the bank, in which the housing loan was issued, to sign the notice.
In this regard, for parents preparing formove, it becomes relevant question of whether it is possible to repay a loan in Sberbank by proxy? After all, it depends on it, whether it will be possible to charge someone from relatives or friends to return a housing loan.
To deposit money into a special account,intended for the accumulation of funds, power of attorney is not needed. However, in order for the loan to be repaid, you must have a notice signed by the borrower or another person authorized to act on his behalf.
The right to represent the interests of the client in the bankcertified by a notarized power of attorney. The text must contain phrases that mean that your friend or relative is allowed to repay the loan obligations ahead of time.
Some customers are also interested in the question ofAre there any programs for issuing mortgages on “plastic” and is it possible to repay a loan in Sberbank with a credit card ahead of schedule? Housing loans may in some cases be provided in a cashless form. Including, in agreement with the bank, they are issued on plastic cards.
Однако ипотека не зачисляется на кредитки.Plastic cards with large loan limits are intended solely to pay for current consumer spending. The maturity dates are very short, all settlements on liabilities occur within one year. If you, however, spent a certain amount from a credit card to pay for the cost of housing, you will have to return it on terms of consumer credit.
So, is it possible to repay a mortgage in Sberbank ahead of time by means of maternity capital? Yes, if you are legally entitled to a grant. Know your opportunities and use them.