Usually, to make a mortgage loan, it is necessary to make from 10% to 30% of the cost of the purchased home or apartment. This applies to almost all Sberbank products, for some exceptions. However, there are several ways to circumvent the demand and take funds without starting investments, even if they are initially spelled out under mandatory conditions.
What options are the borrower of Sberbank
Initially, the conditions for the payment of the initial contribution (PV) are absent in two credit programs:
- Mortgage for NIS servicemen.
- Credit secured by own real estate.
- Refinancing the active mortgage loan, decorated in another bank.
In the first case, the state pays for the client. Military mortgage - a separate specific product, designed exclusively for servicemen. Conditions and rates practically do not differ from all banks that have entered such a program. In the second - provision is another property and money is issued with zero installment. The purpose of the expenditure of funds is not indicated, therefore, they can be fully or partially sent to pay for housing. The advantages of this option are the absence of any requirements for the acquired object, the ability to issue a contract to one person, without the attraction of third parties. Disadvantage - limited amount to extradition.
Separately about state support
Currently, Sberbank is participating in several federal housing programs, Assubsydia can be used as the first installment. In 2018, citizens of the Russian Federation proposed:
- Support for young scientists.
- Financing of citizens living in Norilsk and Dudinka.
- For citizens permanently residing in rural areas.
- Social payments for young families in need of improving living conditions.
- Maternal capital for the birth of the second child.
In general, conditions for all types of mortgages will be common because they are implemented within the framework of basic mortgage programs, except:
- The certificate of assistance to young families issued by the state under the program of federal support gives the opportunity to receive funds and send them both to the first installment and on the repayment of a part of the loan.
- Family capital can be used as a contribution only to a ready-made or built apartment.
The prerequisite for obtaining such a loan is the presence of a borrower of Russian citizenship and the ability to confirm its regular income, which should be sufficient for making monthly payments. Only servicemen can arrange a contract without work on earnings.
To learn in detail about the programs operating in 2018 the necessary documents and requirements for participants, should contact the administration at the place of registration or residence. However, you need to consider two points:
- The procedure for designing and receiving Gosussidia is a relatively long process that may require the collection of an extensive package of documents and waiting for its turn. The exception here is to receive maternal capital, the process is as simplified as much as possible and implies the minimum of documents and instances.
- Not every borrower may apply for benefit. The state programs have a number of reservations and financing conditions. They can be associated with a citizen category or location region.
Terms of registration and annual percentage
Detailed conditions for receiving military mortgage you will learn. The second available loan in Sberbank is secured by its own real estate. The parameters of the mortgage program are as follows:
- The amount of 500 thousand to 10 million, but not more than 60% of the estimated value of the pledge.
- Term of 1-20 years.
- Rate 12-13.5% per annum.
Loan secured by own real estate
Credit amount
from 500 thousand rubles to
10 million rubles
loan term
from 1 to
20 years
credit rate
from 12%
annual *
* - for participants of the housing state program Rate from 9-10%
The mortgage to the primary or secondary accommodation conditions will be as follows:
- If the client is a participant in a regional or state program aimed at developing housing, the rate is 9-10%.
- For new buildings: rates 8.9-11.0%, the amount of 300 thousand, time to 30 years.
- On ready-made real estate in the secondary market: rates 10.1-11.0%, the amount of 300 thousand, up to 30 years.
The only exception is the servicemen 'borrowers who should pay a loan until 45 years of age.
The reduction in the base rate occurs in the following situations: by 0.5%, if the borrower receives a salary to a Sberbank card and by 1% when making personal insurance.
Mandatory documents and requirements for borrowers
Sberbank gives a mortgage when granting:
- The signed questionnaire application with an indication of a loan that wants to get a client.
- Civil passport of the borrower and coaches and their copies.
- Certificates at the place of residence (if there is no permanent registration).
- Extracts from the labor or copy of the employment contract certified by the employer.
- Help from the employer to confirm the employment experience.
- Certificate of wages (on bank form or 2-NDFL).
May need I. additional documentsDepending on the chosen lending program:
- NIS certificate (for military).
- Certificate of family capital.
- Certificate of receipt of GosSubdy on one of the types of federal programs.
Additionally, the borrower collects a package of documents to the object of acquisition and the seller. Also, the Bank has the right to request additional papers.
To get a mortgage borrower you need:
- Have Russian citizenship.
- Being older than 21 and under 75 years old (at the time of repayment of the loan) or up to 45 - for military mortgage.
- To have at least a year of employment experience over the past five years and at least six months from the last employer.
Before you take a loan, the client must familiarize himself in detail with the terms of mortgage lending on the official website or in the Sberbank division. You can preliminarily calculate the amount of the monthly payment by using a credit calculator. Optionally, an online application is served in electronic form through the domklik resource. Certificates and certificates for benefits from the state are collected and draw up in advance before contacting the bank.
Bypassing the electronic registration of the application for funds, with the personal contact of the Sberbank Department:
- at the place of registration of a lender;
- at the location of housing;
- at the place of registration of the employer of the lender.
Considered the submitted application for 2-5 banking days After submitting all the necessary documents. When receiving a positive solution, the loan amount is transferred by one payment or parts (depending on the terms of the contract).
Alternative methods
If none of the options described above is suitable, alternative can be considered. The whole task is reduced to obtaining the required amount, which will block the size of the initial contribution. Initially, it is necessary to approximately decide what amount of funds are we talking about, for this it is necessary to understand the average market prices for real estate, familiarize themselves with the general conditions of mortgage lending in Sberbank, to produce preliminary calculations.
In addition to the mortgage under its own housing, to alternative methods that do not contradict legislation can be attributed:
- Conclusion of a consumer lending agreement. It is much easier to arrange it, but the interest rate may be slightly higher. Plus - the monthly financial load is significantly increasing, which will necessarily take into account the mortgage manager. As a result - a housing loan may not give or approve too small amounts. The output will be the design of such a loan on a relative.
- Installment from the developer. A similar contract is characterized by reduced interest rates and the lack of a first contribution. The borrower will need to find a suitable company and choose an object from the proposed. The spectrum of options will be initially limited.
Any of the ways of making a mortgage without a contribution has its advantages and cons. Choose something most suitable on the basis of your own capabilities and needs. If the housing question is not sharp, it is worth considering such ways as receiving a subsidy, tracking Sberbank shares together with developers, directly searching for a developer. When the problem requires an urgent solution - as an option, lay another property or make a consumer loan.
