Housing problems in our country still remain from the Soviet period.Today, anyone can buy an apartment or a house at his own expense.But prices on the market of real estate is too high, the funds accumulate in a short time the majority of citizens can not afford.Here, perhaps, the best option - is to use a housing loan of Sberbank.
There are several programs under this loan product.Consider them in the following tables.
| Loan product | initial payment | Term loan | annual rate in rubles,% | annual rate in the currency,% | Brief description |
| Housing construction | from 15% | maximum of 30 years | from 12,5 | from 10,5 | issued to build a house or other property (this property bail) |
| Purchase of finished housing | from 10% | maximum of 30 years | From 12 | From 10 | the purchase of property that will be the key |
| Purchase of housing under construction | from 10% | maximum of 30 years | From 12 | From 10 | Issued on investment building on bail of housing |
Home Loan Savings Bank.Special programs:
| Loan product | initial payment | Term loan | annual rate in rubles,% | annual rate in the currency,% | Brief descriptionCredit |
| Rural properties | from 15% | maximum of 30 years | From 12 | From 10 | the purchase of real estate in the country (other than a dwelling house) |
| Mortgage + maternity capital | from 10% | maximum of 30 years | From 12 | From 10 | initial payment can be made from the maternity capital, andthus increasing loan size |
| Refinancing mortgages | 0% | maximum of 30 years | From 12,25 | not issued | issued to repay the mortgage,from other banks |
| Military Mortgage | from 10% | maximum of 20 years | 10,5 | not issued | the purchase of housing, which will beas collateral |
| Garage | from 10% | maximum of 30 years | from 12,5 | from 10,5 | for the construction or purchase of a garageMiscellaneous software |
Annual interest rate depends on the initial payment, the total loan amount and term to maturity.The contract provided for the bank bail acquired property, until they are completely fulfilled credit obligations by the borrower.
whom and where it can be granted a loan of Sberbank of Russia?
You must be a citizen of the Russian Federation.You can get a mortgage in the department of Sberbank, which can be located at the place of residence of the borrower, the location of the employer's organization or credited at the location of housing, which is taken under the housing loan of Sberbank.
application for credit will be studied during the week.Repayment takes place monthly in equal installments.It is possible to make a large amount of the principal debt.This can be done in the days of payment, are set payment schedule.
There are special credit conditions for young people - a housing loan of Sberbank, "young family".For a family with one or more children of the initial contribution may be 10% for childless families - 15%.Any delay in the payment of principal, if the child was born.The grace period is a period until your child reaches 3 years of age.Pay attention that this service is only available for the principal debt, interest payments should take place as usual.
There is one more option if you are using a housing loan of Sberbank.This tax deduction, its size is 13% of the amount of interest paid.The more that the value of a property tax deduction increased.Previously, it was 1 million rubles, and now - 2 million rubles, and then you have the opportunity to return more than 250 thousand rubles.
