The mortgage belt is one of the most sought-after products in the financial market. How does Sberbank check borrowers and approves a mortgage? All potential counterators of Sberbank pass the assessment procedure (scoring). Special software analyzes the various data relating to the material position of the borrower, sets the final score and approves the issuance of the loan. Based on the information obtained, the size of the mortgage loan is determined and a percentage rate is formed.
Sberbank carefully checks all the documents that the borrower provided. Special attention is paid to the applicant's passport. His authenticity is checked using the FMS Information Bases. Some citizens inform unreliable information and provide fake references. Sberbank experts are very difficult to mislead. Any false data lead to a failure to issue a loan.
If the documents are genuine, then Sberbank employee sends a request to the central catalog of credit stories. An employee of a financial organization is trying to find out, in the archives of which organization is stored credit history (ki) of the borrower. Ki is carefully analyzed for overdue debts and outstanding loans.
The reason for rejecting the application can be even a minor delay in payment. In mandatory, the presence of enforcement proceedings initiated on the fact of non-repayment of debt (the FSSP website is used). Mortgage payment cannot exceed 60% of the total cumulative family income. Borrowers who have a high debt burden, mortgage loans are not approved.
After analyzing Ki, the bank specialist calls the employer of the client and checks the position and size of the salary of the potential borrower. The legal status of the organization is also checked. For this, requests are made to the EGRULA and EGRIP. Counters that often change jobs do not cause confidence in Sberbank workers (the experience in the last place of work should be at least 6 months).
Financiers approve of additional sources of income that the borrower has. These include:
- Payments charged with tenants;
- Copyrighted fees;
- Profit obtained in civil law agreements;
- Public benefits and subsidies.
Sberbank specialist carefully checks the material position of the borrower. Bankers positively assess the presence of large ownership (apartment, car, etc.). Property should not be burdened by any encumbrance (arrest, mortgage, rent, etc.).
If the client has a conviction or a tendency to commit administrative offenses, it will not be possible to arrange a mortgage. The criminal past would not be able to hide, since the bank makes a request to the Ministry of Internal Affairs and checks the biographies of its counterparties on unofficial channels. Economists also check the borrower profiles on social networks. Compromaturing videos and photos may well cause a negative assessment by the bank manager.
Of great importance is full-time communication with Sberbank employee. You can not come to conversation with bankers in dirty and untidy clothes. From the client should not come sharp and unpleasant odors. Inadequate behavior, the lack of elementary logic and the simplest mathematical skills reduces the level of confidence in the borrower by a financial organization. Mortgage approve only to those people who can objectively assess their capabilities.
The question of how Sberbank checks borrowers and approves a mortgage, does not have a definite answer. Scoring models are constantly changing and improved. Especially actively introduced systems of artificial intelligence and analysis of large data. In the near future, the process of evaluating the borrower can be fully automated.
