Become an owner of your own family nest possible, using not only their own savings and borrowed funds, which are offered by Sberbank.Terms mortgages allow not just buy a living space, but also to get a country residence or cottage, garage or parking space for their vehicles, land plots for individual housing construction, or even build a house on their own.
It is possible to use several methods to reduce the cost to get a soft loan, including the maternity capital, and participation in the accumulative mortgage system for servicemen, and discounts for young families.
How much time you will have to repay?
Terms of mortgage Sberbank today - a very tasty morsel for those wishing to live in their own home or in your apartment.It is possible to move immediately after the registration of the transaction and pay the rent - for 30 years.The exception would be a loan for new buildings, more precisely, to share in construction is not yet put into operation the house - immediately move will fail, and return a loan you need in just 12 years.
How much money can I get it?
The maximum amount of borrowings does not establish Sberbank.Terms of mortgage restrict only the ratio of the value of the loan to the value of the acquired real estate.You can not take more than 85-90% of the independent evaluation of the property, no matter what the price asked by the sellers.
It is also important that the Savings Bank of the need to bring equity to the purchase:
- 10% of its value in the financing of the acquisition of finished housing on the secondary market and in new buildings, as well as in the construction of private houses or purchase of the garage;
- by 15% - with the involvement of the acquisition of suburban real estate credit;
- 0% - refinancing of existing mortgage loans taken from other banks.If this loan will give Sberbank, mortgage terms will be much more profitable.
work here - the more own resources entered in the transaction, the lower the rate and the better loan options.
How much is the mortgage in the Savings Bank?
Savings Bank, mortgage conditions which are favorably allocated against other proposals of the market lending, offers not only a lot of money and in the long term, but also ensures a small overpayment on the loan.The rate of the different programs for different customers different:
- at 10.5% per annum may get the money young families and military personnel;
- at 12% per annum give all of the major mortgage loans;
- under the 12.25% per year, you can refinance loans from other banks;
- by 12.5% annually, you can build a private house.
you can choose very different mortgage - conditions for obtaining Sberbank sets, depending on many factors.It is up to your ability to pay and the ability to quickly pay off the requested commitments and the degree of "acquaintance" with the bank depends on how much less you have to pay for the use of borrowed funds.
You will need to work hard to prove to the bank its reliability and integrity, collecting the necessary information, but then the load on your budget, and would be best to pay off the mortgage can be easily and naturally.
