Documents for obtaining a mortgage at Sberbank. What documents are needed to obtain a mortgage from Sberbank?

Documentation - 12/13/2023

What list of documents will be needed to apply for a mortgage at Sberbank for different categories of borrowers? What is the package of documents for a mortgage in a new building and for a finished home from the seller and the buyer?

A complete list of documents for a mortgage at Sberbank in 2019 to be guaranteed to receive a mortgage loan

So today's topic: documents for a mortgage in Sberbank in 2019.

You will learn:

Which list of documents needed to apply for a mortgage at Sberbank for different categories of borrowers.
About the package of documents for a mortgage on a property in a new building and for finished housing from the seller and buyer.
Useful tips from experts.

We fill out an application for a loan

What documents are required for a mortgage at Sberbank? will a potential borrower need? Let's try to figure it out. To be guaranteed to receive a mortgage loan for housing at Sberbank, you need to follow a number of simple rules. It is important to have a good understanding of how the decision to issue a loan is made, and to do everything so that bank employees do not have even a shadow of doubt about your reliability as a borrower. It is necessary to provide on time the mandatory list of documents requested by the bank to obtain a loan.

First you need to make sure that the bank agrees to give you a mortgage loan. To do this, you need to contact the nearest Sberbank branch and get an appointment with a loan specialist. He will ask you to fill out an application to approve the amount you need.

Download the application form for a mortgage at Sberbank Can . There is also her sample filling.

To do this, you need a passport and a certificate of your income for the last six months (form 2-NDFL or according to the bank form).

Download the certificate on the Sberbank form and sample Can . The certificate is complicated and the bank is very picky about it.

Of course, at the time of submitting such an application, you must have a regular income for at least the last 6 months and have a total work experience of at least one year over the last 5 years (be employed or run a business).

To confirm this information you must provide:

A copy of the work book (necessarily certified correctly) - for officially employed people.
A certified copy of the declaration with a note on payment of taxes for the last reporting period, but not less than six months. A certificate of individual entrepreneur registration and tax registration is for individual entrepreneurs.

Important! Business owners in Sberbank are registered as ordinary individuals, but their documents must be certified by co-founders or another responsible person.

A certificate of length of service and a certified copy of the contract - for military personnel and law enforcement officers.
Salary card – for participants of the salary project. There must be at least six deposits on this card. Also, bank employees often make various mistakes when opening them, which result in a mortgage refusal, so we recommend immediately preparing a complete application package with certificates and employment documents.
A certificate from the pension fund or a pension account statement (necessarily certified by the bank) about the amount of the accrued pension - for pensioners. If the pension comes to a Sberbank account or card, then it is enough to simply indicate the account or card number in the application form.

If your official salary is low, then you shouldn’t be upset. An important feature of Sberbank is that undocumented income will be taken into account when considering an application for a loan. Sberbank gives the highest mortgage amount among all other banks. This has been tested many times.

The presence of a guarantor will have a positive impact on your solvency and the application will most likely be approved, so if there is such a person around, be sure to collect a package of documents for the bank.

In Sberbank possible mortgage according to two documents (passport + SNILS, driver’s license or foreign passport of your choice). The PV for such a loan is from 50% and the rate is from 11.75%.

It's good when you own other real estate. This will influence a positive decision to grant you a loan. Please indicate this on the application form.
If the marriage is registered, then both spouses must be parties to the transaction. One of them will be the borrower, and the other will be the co-borrower.
If you do not want your spouse to participate in the transaction, then you will need to make a note in the application form that you have a prenuptial agreement. Then, during the consideration of the application, the spouse will not be taken into account, but his passport will be needed in any case. After approval of the mortgage, you will need to prepare a marriage contract and have it certified by a notary. This marriage license is provided along with a full package of documents for the property.
If one of the spouses is a foreigner, then the conclusion of a marriage contract is mandatory. A passport of a foreign citizen is provided to Sberbank.
If the passport contains a note about an active marriage, but in fact the potential borrower is divorced, then you need to provide a certificate of divorce.
During your first visit to the bank, try to get as much information as possible and do not hesitate to ask questions. This will help avoid mistakes and speed up the entire procedure. It is advisable to write down the name and surname of the specialist who advised you, and his working hours. Then you will have the opportunity, if difficulties arise, to contact a bank employee who already knows you.
Before you apply, you should have a good idea of the amount you want to borrow. It should be lifting for you. Ask your employee to calculate your monthly payments. Balance them with your income. You should have money left over to pay utility bills, food, and other everyday expenses.
The bank considers the application no longer than five working days (usually 2-3 working days, and for pensioners and salary employees per day). An employee will notify you of the answer by phone and will send you an SMS. If the loan was approved and they agreed to pay the amount you requested, then you need to move on to the next stage - choosing a suitable apartment. The bank gives two months for this.
Usually Sberbank approves the maximum possible limit. This means that the borrower can purchase housing at a higher price than what is indicated in the application form. Check with your mortgage specialist for the exact amount.
When you next visit the bank, you should already have in your hands a real estate purchase and sale agreement signed by both parties (seller and buyer). Since the purchase takes place using credit funds from Sberbank, this must be reflected in the contract as a separate clause indicating the exact amount.
In addition, the document must state that from the moment of state registration of the agreement, the apartment you purchased is pledged to the bank. To immediately draw up a purchase and sale agreement correctly, take a sample of it from a credit specialist.

Documents for drawing up a loan agreement

Documents for obtaining a mortgage at Sberbank Not only the buyer, but also the seller of real estate must submit. What will be required from the buyer? Here is a list of documents.

For the buyer:

Report on the assessment of real estate purchased with a mortgage. Obtain a list of appraisal companies accredited by the bank from your loan specialist. The appraiser must personally inspect the property, so you need to coordinate his visit with the seller.
Documents that would confirm that you have the necessary funds for the down payment. This could be a passbook, a bank statement, or a receipt from the seller stating that he has already received the agreed advance from you.
If the potential borrower is married, the consent of the other half will be required to transfer the mortgaged apartment as collateral to the bank (notarized).
Personal documents: general passport, copy of the work book, certified by the head of the enterprise.
A package of documents that confirm the borrower's solvency. This includes a certificate of form 2-NDFL or in the form of a bank. It will confirm your official monthly income. If you have additional financial sources (you work part-time, rent out an apartment), then provide a lease agreement, an employment contract or an income statement certified by the tax authorities for confirmation.
If at the time of applying for a mortgage loan you have unpaid loans, you will have to get a certificate stating how much you have to repay.

When submitting documents for a mortgage in Sberbank It is important to first discuss their full list with your mortgage manager. As a rule, this is another specialist, since transactions are carried out in the mortgage lending center by employees specializing only in this process.

If there is a mother certificate in the transaction, then it must be attached along with a certificate from the Pension Fund.

Mortgage for purchasing an apartment in a new building

The procedure for obtaining a mortgage loan for housing that is still under construction differs from the usual procedure.

Sberbank has a condition - the apartment will be purchased from a construction company that is accredited by it.
In many ways, loan terms will depend on the stage of construction.
It’s easier to get a loan for an apartment in a house that is practically built, and even better, accepted by the state commission.
Then the bank will issue a loan secured by a new building without any problems.
When a borrower wants to purchase real estate in a house whose construction is still at the excavation stage, the bank may require him to provide additional collateral, for example, transfer to him other real estate that he owns as a loan collateral or add a guarantor.

A universal rule applies: the closer to completion the construction is, the fewer requirements are imposed on the borrower.

Mortgage for a new building described in more detail. We recommend reading it to understand a number of nuances.

Having decided on a developer accredited by Sberbank, you need to take the following steps:

As a rule, an application for a new building can be submitted through a mortgage broker directly on the developer's premises. This will save you a lot of time, and will also allow you to get additional preferences in some cases.

Documents for a mortgage for a new building

A potential borrower must collect and provide the following documents to the credit institution:

Equity participation agreement or its draft.
Assignment agreement (if an apartment in a new building is purchased from an investor) + first DDU and documents for full payment + certificate from the developer.

This is usually done by the developer himself. The borrower does not need to do anything additional.

It is important to understand! If you purchase an apartment from a developer, and it has already been registered as a property, then the developer must independently prepare the above-described package of documents for the secondary market and submit it to the bank.

In order to receive a loan for a new building, you must additionally submit the following official papers (originals) to the lending institution:

Identity card or citizen's passport.
A certificate confirming your income.
A copy of the work document.
A copy of the tax return or employment contract.
A document confirming payment of the first installment (receipt).

Documents for sellers of real estate with a mortgage

If the real estate seller is a legal entity

To sell a new building, a legal entity must submit the following documents to the bank:

Constituent papers (charter, constituent agreement).
The decision of the governing body of the sale of real estate, indicating the terms of the transaction: price, terms of completion, payment procedure.
A document that confirms the authority of a representative to sign an agreement on behalf of the company.
The company representative must have a passport.

If the apartment is sold by an individual

The owner submits the following documents to the bank:

Certificate that the property is registered in his name.
The document on the basis of which the property arose (certificate of privatization, agreement of gift, exchange or sale).
Extract from the Unified State Register of Rights (state register of rights). It is taken from the local branch of Rosreestr. It is only valid for a month.
If the property is in shared ownership, then you need to obtain a notarized waiver of the co-owners' right of first refusal.
If the seller is married, then his other half must agree to the sale of joint property. It is also certified by a notary. If the seller bought the property at a time when he was not yet in a marital relationship, then he is obliged to confirm this with a notarized statement. When the apartment was received as a gift, inheritance or privatized for free, these documents will not be required.
If one of the co-owners of the property is a minor, then the sale requires permission from the guardianship authorities.

From January 1, 2017, certificates of state property rights will no longer be issued to citizens. State registration will be certified by an extract from the Unified State Register of Real Estate (USRN), which will combine the existing Unified State Register of Real Estate Rights (USRR) and the State Real Estate Cadastre (GKN).”

Let's sum it up

To be guaranteed to get a mortgage loan from Sberbank, you need to follow a few simple rules:

It is important to prepare well for your first visit to a credit institution, clearly determine the loan amount, fill out the application correctly, and provide the loan specialist with documents that would one hundred percent confirm your solvency.
If you receive a small official salary, you can include your additional income in the application. If this is not the case, then you need to bring a guarantor with you to the bank. The more evidence you provide to the bank that you will repay the loan on time, the higher your chances of getting your mortgage approved.

Sberbank mortgage calculator 2019

Not every borrower is able to accurately calculate the amount of their monthly required contributions. To perform this and other tasks, a mortgage calculator was created in Sberbank for 2019. It will help clients accurately calculate the size of the loan amount from the minimum value to the maximum allowed by the bank for each client individually.

The entire process of calculating the loan amount is quite simple. All the user needs to do is select the type of mortgage, indicate the required loan amount, enter the repayment period, and the calculator will automatically calculate the required monthly payment.
For the convenience of clients, the bank allows you to apply for a mortgage without visiting the office of a financial institution. In this case, you need to create a personal account on the Sberbank online resource by filling out all the required fields of the registration form.
If you wish, you can reduce the interest rate by 1% by insuring your life and health with insurance companies accredited by Sberbank PJSC. For a large loan amount, this can be a fairly impressive amount of money saved.
In addition, you can additionally reduce the amount of payments under the loan agreement by 0.1% by agreeing to electronic registration of the transaction and to the purchase of real estate from developers recommended by the lender.
More detailed information on each option for obtaining a loan can always be found on the pages of the corporate website or you can ask questions that interest you by calling the phone number indicated on the resource, or clarify unclear points by filling out the appropriate feedback fields on the Sberbank resource.

Take advantage of Sberbank's offer. Sberbank loans will help you solve your housing problem. Thanks to the offered loans, you will be able to buy the housing you like anywhere in the Russian Federation.

The housing issue will always be relevant, especially for young families. Who can apply for a home loan, and what official package of documents is needed for a mortgage in Sberbank for an apartment in 2019? Most young couples live with their close relatives, but everyone has a desire to quickly move into their own apartment. Not everyone has the opportunity to purchase an apartment, room or private house for cash, and here a housing loan helps families, if, of course, the salary of one or two spouses generally allows them to make monthly loan payments.

Mortgage from Sberbank - why here? There are many other credit organizations in the Russian Federation that also provide special programs, but almost all credit companies have a commercial form of ownership, and there is no state capital.

PJSC Sberbank was established by the Central Bank of the Russian Federation, which in turn is the main shareholder, and therefore mortgages in 2019 have their advantages: a high degree of security and support programs from the state.

Mortgage conditions

Housing loans are not available to everyone. The bank limits the possibilities of the borrower and co-borrowers to certain requirements. The main list is presented below:

Age limit. At the time of submitting the application, the citizen who is applying for a loan and co-borrowers must be at least 21 years old. The age limit at the time of payment of the full cost under the contract is 75 years;
Confirmed earnings and experience with this employer for at least six months, a citizen can also be registered as an individual entrepreneur (the desired validity period of an individual entrepreneur is 2 years);
Documentary proof of income is required.

Only citizens of the Russian Federation will be able to take out a loan. The property purchased under the state program must be located on the territory of the Russian Federation.

If the family's income is considered insufficient to make monthly payments, additional guarantors can be involved. These are individuals who must meet all the requirements. The co-borrower is responsible for the proper fulfillment of loan obligations in the same way as the main borrower. When calculating funds for issuing a loan, the earnings of co-borrowers are summed up.

Mortgage lending objects

Under special government lending programs, you can purchase not only an apartment:

townhouse;
part of real estate;
room;
country house;
cottage;
section of individual housing construction.

If you buy a private sector with a plot, then this is considered a united object: a house and a plot.

Mortgage lending provides for the issuance of funds for construction work, for example, if you buy a plot of land for individual housing construction and want to carry out construction on it: a garage, a summer house, a cottage, etc.

State mortgage loan programs

Sberbank provides its clients with a wide choice of housing lending methods; most often, families use the borrowed amount when purchasing secondary real estate or new buildings. We will consider the features of software products for the purchase of a finished house, room, apartment or construction below:

Purchase of housing: secondary real estate market object (house, room, apartment, etc.) / new buildings (under construction, finished object).
Currency: only in rubles.
Own funds: from 10% in both cases.
Interest rates: minimum 12.5% in both cases.
Minimum amount of borrowed funds: 45 thousand rubles.
Amount of borrowed funds: unlimited.
Early repayment and processing fees: none.
Loan collateral: transfer of purchased housing as collateral.
Involving individuals to increase the base when calculating the credit limit: yes.
Preferential conditions and special offers for young families and citizens who are bank clients (pension payments or wages are credited to the current account): yes.

Let's take a closer look at what documentation is required for a mortgage loan from Sberbank for an apartment in 2019? The application package is quite impressive in size, but this does not mean that you need to submit the entire package at once to submit an application. Let's look at the list of necessary documentation to start the process.

The survey is a form that you can download to your computer for free from the official Internet resource, or pick up an application form at your nearest office. Most citizens may have certain difficulties and questions when filling out the questionnaire. On the official website you can download an example of an already completed sample, or after receiving the questionnaire, immediately ask the manager all your questions about filling it out.
Passport of a citizen of the Russian Federation.
Verified income. Actually, for this stage it is enough to choose which proof of income is more convenient for you.
Information about the place of work. Before you apply, you will need to verify your ongoing employment. The borrower can confirm the official place of work by providing:
- a certified photocopy of the work book from the employer;
- a certified extract from the work book, duly executed;
- a copy of the official labor or collective agreement (if any);
- a certificate from the employer, which contains information about the position held, date of hiring, length of service at this place of work;
- documentary evidence of registration as an individual entrepreneur;
- a certificate of legal practice;
- licensing permit for the right to carry out any type of business activity;
- confirmation of income on a certified bank form;
- certificate of accrual of pension and other payments;
- for individual entrepreneurs, LLCs, CJSCs, etc., a confirmed tax return is provided.

What documentation is required to obtain a mortgage loan from Sberbank for bank clients? It is worth noting that for those who receive an old-age pension, due to the loss of a breadwinner, disability and other legislative reasons, or wages to a Sberbank account, the list of mandatory supporting documents is significantly reduced: an application form, a Russian passport.

The presented list refers specifically to verifiable income, but many people have an additional source of funds, for example, renting out housing. To receive confirmation of such income, you need to provide a 3-NDFL declaration confirmed by the tax authority. If the income is related to the rental of your own property, you will need a photocopy of the supporting documents on the rental of the property and documentary evidence of ownership.

Most certificates have a validity period of one month. At the initial stage of filing an application, the above-mentioned certificates and certified papers will be more than sufficient. After the credit institution gives a final answer on the amount of approved funds, you will still have more than 120 days to find housing and submit all the necessary documentation to draw up a loan agreement.

In the process of the lending institution making a final decision on the preliminary application, you contact the central office of your region at your place of residence to clarify the amount that is approved for the purchase of housing. It usually differs from the value stated in the questionnaire - both larger and smaller. If the amount is acceptable and housing has already been found, we prepare the remaining paperwork for the collateral property.

Due to the mortgage collateral, the property being purchased is always the collateral. The first step is to provide the manager with a correctly executed document confirming the transaction (purchase and sale).

The preparation and verification of such important papers is usually entrusted to specialists. Real estate transactions are a serious and responsible step; to avoid fraud, you can contact a lawyer. Specialists will check this agreement, so it must be drawn up legally. In addition to literacy, the bank imposes certain requirements on him, which must be specified in the contract:

part of the purchased area will be paid for with the funds received;
amount of borrowed funds;
apartment, room, etc. will be held as collateral by the credit institution until the borrowed funds are repaid in full;
After proper registration of real estate, it officially becomes collateral to the organization that issued the loan.

To complete the transaction, documentary support is provided by both participants. But we will tell you in more detail in the next section what documents will be required to apply for a mortgage loan from Sberbank in 2019.

Help and documentation from the seller

Documentary papers that confirm that the object is the property of the seller. Confirmation is:
- Purchase and sale;
- Deed of gift;
- Mena;
- Inheritance;
- Privatization.
An extract from the Unified State Register of Real Estate with a note that the seller has the right to carry out any transactions (including sales). The certificate is ordered from the MFC or Rosreestr at the place of residence. It is worth noting that the certificate is valid for only a month, so it is better to order it at the last stages of the transaction.
If the object of sale consists of shares, the seller must provide a notarized document from other owners - a waiver of the right to purchase the object.
If the seller is officially registered as married, then the consent of the husband/wife to the sale, also notarized, is required. This paper is necessary in certain cases when a husband or wife, by law, can make a claim for a share in the property being sold. If an apartment or private house was purchased before marriage, was inherited, or is conditioned by deeds of gift, then a waiver with the consent of the husband or wife is not required. You can also provide a marriage contract, which specifies the mode of division of property between the spouses.
If the seller does not want or cannot independently engage in the sale of real estate, he must notarize a power of attorney for the person who will support the transaction. This could be a real estate agency or any other trusted representative.
Permission from the guardianship center to conduct real estate transactions if the share of property belongs to a citizen who has not reached the age of majority.

Documents provided by the buyer

What documents to collect to obtain a mortgage loan from Sberbank for an apartment in 2019 from the buyer:

Evaluation procedure. Market valuation is carried out by an appraiser. You can order an assessment only from a specialized company that is accredited by the bank. The bank manager will also provide you with a list of organizations where you can contact. The period for preparing a complete package for real estate valuation varies from 3 to 30 days, so it is usually more rational to start collecting papers with the appraiser.
Proof of equity capital for down payment. The first payment is mandatory, so to confirm its availability you will need one of the proposed documents: a photocopy of the Savings Book or a receipt from the seller that the funds were received as an advance payment. The receipt indicates the seller’s passport details, the amount of the deposit, and the date. Notarization is not required.
If the borrower is in an official marital union, then it is mandatory to have the husband/wife’s documentary consent to transfer the purchased object as security, or a marriage contract that stipulates the separate ownership of the married couple. The absence of a marriage union will require a notarized document stating that at the time of issuing an extract from the Unified State Register, the buyer is not married.
Permits from the guardianship center for the transfer of real estate as security if one of the parties to the transaction has not reached the age of majority.

The transfer of real estate as collateral is a rather labor-intensive and lengthy stage of the transaction, therefore, during the procedure for transferring the collateral, the bank may request another collateral.

Depending on the collateral, the following list is formed:

if the collateral is a motor vehicle, you will need STS, PTS, insurance policy, property valuation, consent of the spouse, purchase and sale in case the car has not yet been registered with the traffic police;
when securing rights of claim - certification of the existence of rights of claim and documentary consent of the husband/wife to re-register rights as collateral for the bank;
securities - documentary evidence of ownership and consent of the husband/wife;
gold, silver, etc. – certificate provided by the manufacturer and consent of the husband/wife;
provision of real estate - provision of the entire list of documents that will be required to provide a mortgage loan.

All the information described above is a unified procedure for obtaining a mortgage loan. Now there is a wide list of additional factors for changing the standard conditions for obtaining a mortgage.

Borrowers are provided with a choice of special programs that are designed for certain subcategories of citizens. To obtain loan funds on more attractive terms, additional documentary support will be required. What additional documents need to be collected to obtain a mortgage from Sberbank in 2019 under government programs?

State program “Young Family”. To participate in the “Young Family” program, the bank will request a certificate of marriage, as well as certificates confirming the birth or adoption of persons under the age of majority. For spouses, a special calculation of solvency is possible, taking into account the official income of the parents. To do this, you must provide information confirming the fact of relationship.

State program “Mortgage plus maternity capital”. To participate in the state program, the bank will require documentary evidence of the right to receive maternity capital. You will also need information from the compulsory pension insurance fund, which indicates the balance of available funds for the purchase of real estate. The certificate is valid for 30 days, so it needs to be certified last.

"Military mortgage". The program is provided specifically for the military. To participate in this program, the bank is provided with a certificate stating that you are indeed a military personnel and are eligible to receive a mortgage loan under the state program for the provision of affordable housing.

In reality, a mortgage loan based on two documents is an embellished reality. The procedure is indeed slightly simplified, but this is only in terms of checking the borrower’s solvency. What documents will be required to apply for a mortgage at Sberbank in 2019 under a special program?

The package of documents provided for the pledge obligation remains unchanged. You will also have to collect justification for your initial funds and additional documentary evidence if you expect to participate in the above programs.

Thanks to the mortgage program with simplified submission of supporting documentation, the borrower significantly simplifies the collection of official papers at the first stage of obtaining a mortgage loan; only two documents are required to submit the application.

This type of mortgage loan entails additional risks for the credit institution, therefore, in order to maintain its own security, the bank increased lending interest rates to 13% per annum, and the amount of the initial equity capital was compared to 50% of the cost of the purchased property.

It is worth noting that the restrictions on the loan amount have also changed:

in the central cities of the Russian Federation, such as Moscow and St. Petersburg, the maximum amount of borrowed funds was limited to 15 million rubles;
in other regions of the Russian Federation - 8 million rubles.

This mortgage option is convenient for those who do not have enough money to buy a home, then the difference in the interest rate will not greatly affect the family budget.

Results

If you decide to use a mortgage lending service, do not rush to collect the entire package. For the first part of the design, you will only need the initial list. After the credit institution approves the amount of the available credit limit, the borrower will have no more than 120 days to find suitable housing. Collect everything else after you decide on the property.

When you first contact, clarify all questions that are unclear to you, ask the manager to make an approximate calculation of the monthly payment to assess your solvency. To calculate monthly installments, the borrower can independently visit the official website, where a mortgage calculator is presented in accordance with the terms of the loan.

List of documents for a mortgage from Sberbank

A complete list of documents for a mortgage at Sberbank in 2019 to be guaranteed to receive a mortgage loan

So today's topic: documents for a mortgage in Sberbank in 2019.

You will learn:

Which list of documents needed to apply for a mortgage at Sberbank for different categories of borrowers.
About the package of documents for a mortgage on a property in a new building and for finished housing from the seller and buyer.
Useful tips from experts.

We fill out an application for a loan

Download the application form for a mortgage at Sberbank Can . There is also her sample filling.

To do this, you need a passport and a certificate of your income for the last six months (form 2-NDFL or according to the bank form).

Download the certificate on the Sberbank form and sample Can . The certificate is complicated and the bank is very picky about it.

Of course, at the time of submitting such an application, you must have a regular income for at least the last 6 months and have a total work experience of at least one year over the last 5 years (be employed or run a business).

To confirm this information you must provide:

A copy of the work book (necessarily certified correctly) - for officially employed people.
A certified copy of the declaration with a note on payment of taxes for the last reporting period, but not less than six months. A certificate of individual entrepreneur registration and tax registration is for individual entrepreneurs.

Important! Business owners in Sberbank are registered as ordinary individuals, but their documents must be certified by co-founders or another responsible person.

A certificate of length of service and a certified copy of the contract - for military personnel and law enforcement officers.
Salary card – for participants of the salary project. There must be at least six deposits on this card. Also, bank employees often make various mistakes when opening them, which result in a mortgage refusal, so we recommend immediately preparing a complete application package with certificates and employment documents.
A certificate from the pension fund or a pension account statement (necessarily certified by the bank) about the amount of the accrued pension - for pensioners. If the pension comes to a Sberbank account or card, then it is enough to simply indicate the account or card number in the application form.

The presence of a guarantor will have a positive impact on your solvency and the application will most likely be approved, so if there is such a person around, be sure to collect a package of documents for the bank.

In Sberbank possible mortgage according to two documents (passport + SNILS, driver’s license or foreign passport of your choice). The PV for such a loan is from 50% and the rate is from 11.75%.

It's good when you own other real estate. This will influence a positive decision to grant you a loan. Please indicate this on the application form.
If the marriage is registered, then both spouses must be parties to the transaction. One of them will be the borrower, and the other will be the co-borrower.
If you do not want your spouse to participate in the transaction, then you will need to make a note in the application form that you have a prenuptial agreement. Then, during the consideration of the application, the spouse will not be taken into account, but his passport will be needed in any case. After approval of the mortgage, you will need to prepare a marriage contract and have it certified by a notary. This marriage license is provided along with a full package of documents for the property.
If one of the spouses is a foreigner, then the conclusion of a marriage contract is mandatory. A passport of a foreign citizen is provided to Sberbank.
If the passport contains a note about an active marriage, but in fact the potential borrower is divorced, then you need to provide a certificate of divorce.
During your first visit to the bank, try to get as much information as possible and do not hesitate to ask questions. This will help avoid mistakes and speed up the entire procedure. It is advisable to write down the name and surname of the specialist who advised you, and his working hours. Then you will have the opportunity, if difficulties arise, to contact a bank employee who already knows you.
Before you apply, you should have a good idea of the amount you want to borrow. It should be lifting for you. Ask your employee to calculate your monthly payments. Balance them with your income. You should have money left over to pay utility bills, food, and other everyday expenses.
The bank considers the application no longer than five working days (usually 2-3 working days, and for pensioners and salary employees per day). An employee will notify you of the answer by phone and will send you an SMS. If the loan was approved and they agreed to pay the amount you requested, then you need to move on to the next stage - choosing a suitable apartment. The bank gives two months for this.
Usually Sberbank approves the maximum possible limit. This means that the borrower can purchase housing at a higher price than what is indicated in the application form. Check with your mortgage specialist for the exact amount.
When you next visit the bank, you should already have in your hands a real estate purchase and sale agreement signed by both parties (seller and buyer). Since the purchase takes place using credit funds from Sberbank, this must be reflected in the contract as a separate clause indicating the exact amount.
In addition, the document must state that from the moment of state registration of the agreement, the apartment you purchased is pledged to the bank. To immediately draw up a purchase and sale agreement correctly, take a sample of it from a credit specialist.

Documents for drawing up a loan agreement

Documents for obtaining a mortgage at Sberbank Not only the buyer, but also the seller of real estate must submit. What will be required from the buyer? Here is a list of documents.

For the buyer:

Report on the assessment of real estate purchased with a mortgage. Obtain a list of appraisal companies accredited by the bank from your loan specialist. The appraiser must personally inspect the property, so you need to coordinate his visit with the seller.
Documents that would confirm that you have the necessary funds for the down payment. This could be a passbook, a bank statement, or a receipt from the seller stating that he has already received the agreed advance from you.
If the potential borrower is married, the consent of the other half will be required to transfer the mortgaged apartment as collateral to the bank (notarized).
Personal documents: general passport, copy of the work book, certified by the head of the enterprise.
A package of documents that confirm the borrower's solvency. This includes a certificate of form 2-NDFL or in the form of a bank. It will confirm your official monthly income. If you have additional financial sources (you work part-time, rent out an apartment), then provide a lease agreement, an employment contract or an income statement certified by the tax authorities for confirmation.
If at the time of applying for a mortgage loan you have unpaid loans, you will have to get a certificate stating how much you have to repay.

If there is a mother certificate in the transaction, then it must be attached along with a certificate from the Pension Fund.

Mortgage for purchasing an apartment in a new building

The procedure for obtaining a mortgage loan for housing that is still under construction differs from the usual procedure.

Sberbank has a condition - the apartment will be purchased from a construction company that is accredited by it.
In many ways, loan terms will depend on the stage of construction.
It’s easier to get a loan for an apartment in a house that is practically built, and even better, accepted by the state commission.
Then the bank will issue a loan secured by a new building without any problems.
When a borrower wants to purchase real estate in a house whose construction is still at the excavation stage, the bank may require him to provide additional collateral, for example, transfer to him other real estate that he owns as a loan collateral or add a guarantor.

A universal rule applies: the closer to completion the construction is, the fewer requirements are imposed on the borrower.

Mortgage for a new building described in more detail. We recommend reading it to understand a number of nuances.

Having decided on a developer accredited by Sberbank, you need to take the following steps:

Documents for a mortgage for a new building

A potential borrower must collect and provide the following documents to the credit institution:

Equity participation agreement or its draft.
Assignment agreement (if an apartment in a new building is purchased from an investor) + first DDU and documents for full payment + certificate from the developer.

This is usually done by the developer himself. The borrower does not need to do anything additional.

It is important to understand! If you purchase an apartment from a developer, and it has already been registered as a property, then the developer must independently prepare the above-described package of documents for the secondary market and submit it to the bank.

In order to receive a loan for a new building, you must additionally submit the following official papers (originals) to the lending institution:

Identity card or citizen's passport.
A certificate confirming your income.
A copy of the work document.
A copy of the tax return or employment contract.
A document confirming payment of the first installment (receipt).

Documents for sellers of real estate with a mortgage

If the real estate seller is a legal entity

To sell a new building, a legal entity must submit the following documents to the bank:

Constituent papers (charter, constituent agreement).
The decision of the governing body of the sale of real estate, indicating the terms of the transaction: price, terms of completion, payment procedure.
A document that confirms the authority of a representative to sign an agreement on behalf of the company.
The company representative must have a passport.

If the apartment is sold by an individual

The owner submits the following documents to the bank:

Certificate that the property is registered in his name.
The document on the basis of which the property arose (certificate of privatization, agreement of gift, exchange or sale).
Extract from the Unified State Register of Rights (state register of rights). It is taken from the local branch of Rosreestr. It is only valid for a month.
If the property is in shared ownership, then you need to obtain a notarized waiver of the co-owners' right of first refusal.
If the seller is married, then his other half must agree to the sale of joint property. It is also certified by a notary. If the seller bought the property at a time when he was not yet in a marital relationship, then he is obliged to confirm this with a notarized statement. When the apartment was received as a gift, inheritance or privatized for free, these documents will not be required.
If one of the co-owners of the property is a minor, then the sale requires permission from the guardianship authorities.

Let's sum it up

To be guaranteed to get a mortgage loan from Sberbank, you need to follow a few simple rules:

It is important to prepare well for your first visit to a credit institution, clearly determine the loan amount, fill out the application correctly, and provide the loan specialist with documents that would one hundred percent confirm your solvency.
If you receive a small official salary, you can include your additional income in the application. If this is not the case, then you need to bring a guarantor with you to the bank. The more evidence you provide to the bank that you will repay the loan on time, the higher your chances of getting your mortgage approved.

Sberbank mortgage calculator 2019

The entire process of calculating the loan amount is quite simple. All the user needs to do is select the type of mortgage, indicate the required loan amount, enter the repayment period, and the calculator will automatically calculate the required monthly payment.
For the convenience of clients, the bank allows you to apply for a mortgage without visiting the office of a financial institution. In this case, you need to create a personal account on the Sberbank online resource by filling out all the required fields of the registration form.
If you wish, you can reduce the interest rate by 1% by insuring your life and health with insurance companies accredited by Sberbank PJSC. For a large loan amount, this can be a fairly impressive amount of money saved.
In addition, you can additionally reduce the amount of payments under the loan agreement by 0.1% by agreeing to electronic registration of the transaction and to the purchase of real estate from developers recommended by the lender.
More detailed information on each option for obtaining a loan can always be found on the pages of the corporate website or you can ask questions that interest you by calling the phone number indicated on the resource, or clarify unclear points by filling out the appropriate feedback fields on the Sberbank resource.

Take advantage of Sberbank's offer. Sberbank loans will help you solve your housing problem. Thanks to the offered loans, you will be able to buy the housing you like anywhere in the Russian Federation.

A mortgage is not only an opportunity to obtain a long-term loan for the purchase of real estate at a favorable interest rate, but also the need to first prepare a list of documents to speed up the consideration of the application. When considering what documents are needed for a mortgage at Sberbank, we can distinguish the following categories:

a basic list for secondary housing and new buildings required from the borrower in 2019;
features of collecting the necessary papers on the pledge;
housing assessment and obtaining notarized approval;
final package, which must be submitted to the central service office in your region.

Timely collection of all necessary data and preliminary study of information will allow:

reduce the time for receiving a response and final registration of a mortgage at Sberbank;
first take a queue at the necessary authorities, where you will need to wait some time for assessment and other actions;
obtain a preliminary estimate of the maximum available amount of funds to receive;
promptly consult with qualified specialists of a banking organization to receive funds.

Basic documents for obtaining a mortgage at Sberbank

When considering what documents are needed to apply for a mortgage at Sberbank, you must first make sure that it is possible to obtain this type of loan. To do this, contact the nearest service office of a banking organization in your region, where a consultant will ask you to fill out an application form. You can download this form yourself from an official source on the Internet and fill it out at home.

Modern technical and software capabilities allow you to make a preliminary assessment using a loan calculator, available on the corresponding page of the site. Here you can choose one of the ready-made TPs, or fill out the proposed form yourself. After this, the system will make the necessary calculations and display the result, which can be exported as a spreadsheet.

Additionally you will need to provide:

passport or other identification document;
registration on the territory of the Russian Federation in the bank’s service area;
income certificate in 2-NDFL format for the last 6 months.

This way you can initiate the initial process of reviewing the application, after which you can receive a final response and, if the result is positive, begin further collection of documentation.

For individuals

The main clients in this area are individuals, for whom we will consider the process of collecting the necessary certificates. Regarding the application form, the document here has a uniform format. You can get a copy to fill out at your nearest service office or by downloading the version from the corresponding page of the official website. It is worthwhile to first study the list of current proposals; the specifications usually indicate a preliminary list of papers required to be provided in order to receive a positive response.

The basic list of documentation includes:

passport or other identity document to identify the client;
permanent registration on the territory of the Russian Federation in the service area of Sberbank;
income certificate in 2-NDFL format;
an extract from the work book, supplemented by an official seal from the accounting department of your organization;
if you are participating in a salary project, please indicate the number of the plastic product. This way the client will be able to receive an additional discount and benefit;
certain social categories - pensioners and military personnel must also collect some additional paperwork, which will allow them to take advantage of unique offers with government support.

Documents for a mortgage for secondary housing in Sberbank in 2019

Secondary housing is most popular among clients of a banking organization. Documents for a mortgage from Sberbank in 2019 for the purchase of a secondary apartment or house. Here, the necessary papers must be provided by both the buyer and the seller. It is worth studying this list in advance, which will significantly speed up the process of reviewing your request.

In addition to the standard list, the buyer will be required to provide:

a notarized report on the assessment examination carried out. You must contact the appraisal service in advance, since a specialist must personally visit the property to determine its final value;
confirmation of the availability of an amount sufficient for the initial payment. Most tariff proposals require payment of 20% of the final cost of the property. This could be a bank statement, check, or cash that will be moved into the safe deposit box;
if the client is married, the spouse must also provide certified consent to participate in the mortgage program;
Additionally, it is required to provide information about the availability of existing loans and current debt on them. In parallel with this, the client’s credit history will be taken into account.

Requirements from sellers will be discussed in a separate section.

Package of documents for a mortgage for a new building

The purchase of real estate in new buildings is gaining relevance due to the existence of agreements with various developers, which allows you to receive a significant discount and other bonus conditions. Detailed information is available on the official website of the specific TP.

The package of documents for a mortgage from Sberbank for the purchase of a new home requires the client to provide:

concluded agreement on participation in shared construction. Additionally, you will need to provide a copy of the officially approved project;
new buildings require investors to additionally conclude a transfer agreement. You will also need a payment document and a certificate from the developer.

Developers generally independently provide all the necessary information to bank employees. There is no need to make an assessment here, since the final cost is set by the seller himself, based on a predetermined price per square meter.

The procedure for individual entrepreneurs is different and requires separate consideration. It is recommended that you first obtain information from specialists in the relevant section of the support service.

Pledge documents

The list of documents for a mortgage at Sberbank must include information on the collateral. The following can be used as collateral:

purchased property. This can be an apartment, a residential building or a plot of land. Information from the assessment certificate will be used to set the permissible limit of funds to receive;
personal real estate. Personal property can also be used as collateral. You will first need to make an assessment, where a specialist will determine the final cost. You can further increase the limit of funds by attracting co-borrowers.

After receiving the above certificates, the client will be able to proceed with further processing of the loan. Calculation of the acceptable cost for receipt will depend on:

the amount of the down payment, which must be at least 20% of the value of the purchased property;
an estimated amount of collateral that will support your solvency;
average salary indicated in the 2-NDFL format certificate.

Let's consider the documents for a mortgage at Sberbank. At the first stage of registration, not much is required.

In this case, the following may serve as supporting evidence:

Proof of income:

We have considered everything related to the main income of each citizen. However, many have additional income, money that will be used to pay off the loan. How can you confirm the existence of this source of income? It’s simple, you must provide a certificate of form 3-NDFL with a tax stamp. If you receive income from renting real estate, you are required to provide a copy of the lease agreement, documents confirming that you own the premises and can carry out transactions, as well as a tax return.

Attention! These certificates are valid for 30 days from the date of receipt. In this regard, first of all you should deal with the certificates, which will take you a lot of time to obtain.

The documents that we reviewed above are necessary for approval of the transaction only at the very beginning. As soon as the institution makes a decision in your favor, you will have about 120 days to find housing.

The acquired real estate serves as collateral when applying for a mortgage. That is why the first document that should be provided is the purchase and sale agreement.

Sberbank puts forward a number of requirements for the borrower to draw up an agreement:

the purchased property is partially paid for by the bank;
the amount of loan funds that will be received from the bank for the purchase of residential premises;
the property will act as collateral for the transaction once the buyer purchases the apartment.

Seek help from specialists in drawing up this agreement, since doing this on your own is very difficult.

Please note that the registration of a mortgage involves not only the person who purchases the property, but also the person who acts as the seller.

What should the seller provide?

The document on the basis of which the residential premises are sold:

certificate confirming the right of inheritance;
contract of sale.

Documents required by the buyer

A report from an independent specialist on the market value of the property being purchased. You will need to order this service from companies that have been accredited by Sberbank, otherwise you risk spending money and not getting anything in return. A list of organizations can be obtained from a credit specialist. As a rule, this report is generated within 1 month.
A certificate confirming the availability of funds from the buyer.
If you are married at the time of applying for a mortgage, you need the consent of your spouse, which is certified by a notary. It must reflect that he/she has no objections to the transfer of property as collateral to the bank.
If a person under the age of 18 takes part in the transaction, the consent of the guardianship and guardianship authorities is required to conduct real estate transactions.

Since the registration of mortgage lending is a rather lengthy process, during the period of registration of this transfer the bank has the right to demand other collateral: property, vehicle, precious metal, securities, etc.

Data that must be provided within the framework of developed special programs

Everything we talked about above is a fixed package of documents that is required to obtain a mortgage. For some categories of citizens, special programs have been developed that will require additional information.
Programs
"Military mortgage" is aimed at ensuring that servicemen in the Russian Army can purchase housing. To get into the program, you need certificates confirming your right to use the program.

"Young family" involves providing a certificate of marriage and birth of children or adoption. A young family has the right to calculate the monthly repayment amount taking into account the funds the parents receive. Therefore, it is necessary to take care of statements confirming the presence of family ties.

“Maternity capital together with mortgage” requires a certificate that states the grounds for receiving maternity capital. Also, from the branch of the Pension Fund of the Russian Federation, you should get a certificate that states how much unspent funds there are under the program (valid for 30 days from the date of receipt).
In conclusion, we would like to tell you to start collecting first those documents that will take a lot of time to obtain. Certificates that have a limited period of use are taken last.
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