As of today the Sberbank loan for housing - one of the most interesting ways to get a private estate.The most important thing for the borrower lies in the fact that the said banks have become more tolerant and open mind to treat their potential customers.This alone is good.Currently, there are 7 programs provide loans, with 3 of them - the basic, and 4 - special.
What gives you the opportunity to acquire a loan from Sberbank for housing?The list of options, it should be noted, is quite impressive.Citizens using the money lender shall have the right to either buy their favorite real estate (new or under construction), either on their own to do the construction.In the second case may be, for example, the construction of houses and garages.
On what conditions is given in mortgage Sberbank of Russia?It is understood that all seven existing programs in some details differ from each other.Below are the criteria that can rightfully be attributed to a general (basic):
• maximum period for which credit can be issued - 30 years;
• the minimum amount - depending on the currency in rubles - 45 million (or the equivalent in US dollars or euros).As for the construction of town houses, there is a much more modest sum.It is 300 thousand rubles, or the equivalent in foreign currency;
• the maximum amount - not regulated.However, its size can not be more than 85% of the value of the object (the latter may be either contractual or estimated. In any event, whichever is less);
• pledge - to acquire property or the one that already exists in the property of the borrower.However, Sberbank loan for housing can be issued, and under other types of collateral.
The following talk about interest rates.The mechanism of their formation is not easy.Of particular importance on the value of interest rate at which the loan is issued in the Savings Bank for housing, it has a number of factors.Chief among them - the size of the down payment.There inverse relationship: the higher it is, the lower the rate.What is important is also the period during which the borrower intends to return the amount taken.The sooner he does, the less pay.Finally, it is important the place of the client: for teams of some organizations are special loyalty program.
If you want to get a loan from Sberbank of Russia, you must meet certain requirements.First, you need to be at least 21 years old, but not older than 75 years to the day when you happily be able to say: "I owed nothing to anybody!" Second, the design of the loan of the type described is available only to citizensRussia.Confirm this fact is possible by means of the passport.The rest of the requirements are quite traditional.Get at least the same length of service.Or a good credit history.And it is not only about the nature of relations with the banking institution, but also with all the others.Pay attention to this point, as the involvement of the proposed transaction guarantors.Moreover, the spouse must serve as the Title co-borrower.
