most popular desire among today's youth is the acquisition of private property.However, a negligible percentage of people can afford to buy an apartment at his own expense.Most are forced to turn to various financial institutions.The most profitable at the moment considered the conditions of the mortgage at Sberbank.They practically do not change over time.The facility offers its customers a truly small interest rate, without a lot of hidden charges.
Conditions for issuing mortgage Sberbank
At the moment, any citizen of the Russian Federation may apply to Sberbank for a mortgage.The only limitation is the maximum amount of money issued.It should not exceed the threshold of 85% of the cost of housing is made out on bail.
Making such lending was in the Savings Bank has the following advantages:
- no commission for granting the loan or the usual consideration of the application;
- absence of compulsory life insurance of the borrower;
- an individual approach to each client;
- the possibility of obtaining personal credit card.
Terms of mortgage Sberbank:
documents to purchase property under the mortgage loan borrower must prepare two sets of documents.One is required when applying for money.It is on the basis of its banking organization will take a decision on granting or refusal of registration of the mortgage program.The second package of securities required directly for the purchase of housing.
for submitting documents to the borrower Savings Bank to collect the following documents:
- certificate of employment (form 2-PIT);
- extract or a copy of the work book;
- identification number;
- pension certificate;
- loan application (a kind of profile);
- Russian passport;
- identity documents co-borrower or guarantor;
- copy of the passbook with accumulated 10% of the cost of housing.
If you want to learn more mortgage terms in the Savings Bank, loan calculator helps them calculate.However, in the case of the special financial difficulties of a personal nature have to visit the nearest branch of the bank.
Terms of mortgage Sberbank: how to facilitate the payment of
should be remembered that in the Russian Federation is now running a variety of programs, implying public assistance in obtaining and repayment of mortgage loans.There are a number of benefits, which can count the different layers of the population:
- military mortgages;
- program for young families;
- maternity capital;
- governor's program.
They can greatly facilitate mortgage terms in the Savings Bank and help to acquire decent housing for young people.At the moment, the policy of the Russian Federation is in the direction of providing housing for all citizens in need.Because before your program should ask whether there is the possibility to receive benefits or state subsidy when applying for a loan.