Problems with housing in our country remainfrom the Soviet period. Today, everyone can buy an apartment or house at their own expense. But prices in the modern real estate market are too high, most people can not accumulate such funds in a short time. Here, perhaps, the most optimal option is to use the housing loan of Sberbank.

Sberbank housing loan

There are several programs for this loan product. Let's consider them in the tables below.

Loan product

An initial fee

Credit term

Annual rate in rubles,%

Annual rate in currency,%

a brief description of

Housing construction

From 15%

maximum 30 years

From 12.5

From 10.5

Issued for the construction of a house or other housing (on the security of this housing)

Purchase of finished housing

From 10%

maximum 30 years

From 12

From 10

For the purchase of housing, which will be a pledge

Buying a house under construction

From 10%

maximum 30 years

From 12

From 10

Issued for investment in construction on the security of this housing

Housing loan of Sberbank. Special programs:

Loan product

An initial fee

Term for the loan

Annual rate in rubles,%

Annual rate in currency,%

Brief description of the loan

country estate

From 15%

Maximum 30 years

From 12

From 10

On the purchase of real estate outside the city (except for a dwelling house)

Mortgage + maternity capital

From 10%

Maximum 30 years

From 12

From 10

The initial contribution can be made from the means of the parent capital, and hence the amount of the loan is increased

Refinancing of mortgage loans

0%

Maximum 30 years

From 12.25

Not issued

Issued for repayment of a mortgage received in another bank

Military Mortgages

From 10%

20 years maximum

10.5

Not issued

On the purchase of housing, which will act as a pledge

Garage

From 10%

30 years maximum

From 12.5

From 10.5

To build or buy a garage for various collateral

Annual interest depends on the initialcontribution, total loan amount and maturity. In the contract, the bank provides for a pledge of purchased housing, until the loan obligations of the borrower are fully fulfilled.

Who and where can a mortgage loan from Sberbank of Russia be provided?

You must be a citizen of the Russian Federation. You can get a mortgage in the Sberbank office, which can be located at the place of permanent residence of the borrower, at the location of the employer, the organization of the loan or at the location of housing, under which the housing loan of Sberbank is taken.

housing loan of a savings bank young family

The loan application will be examined during the workingof the week. Repayment occurs in equal monthly installments. It is possible to pay a large sum to repay the principal debt. This can be done on payment days, which are set by the payment schedule.

There are special loan conditions forof young people is the housing loan of the Savings Bank "Young Family". For a family with one or more children, the initial contribution can be 10%, for a childless family - from 15%.

mortgage loan of the Savings Bank of Russia
There is a delay in repayment of the principal debt, ifthe child was born. Deferral is granted for a period until your child reaches 3 years of age. Pay attention to the fact that this service is provided only for the main debt, interest payments should be made in the normal mode.

There is one more possibility, if youuse the housing loan of Sberbank. This is a tax deduction, its amount is 13% of the amount of interest paid. Moreover, the value of the property tax deduction has increased. Earlier it was 1 million rubles, and now - 2 million rubles, which means that you have the opportunity to return more than 250 thousand rubles.