The most popular desire for modernyouth is the acquisition of their own property. However, an insignificant percentage of people can afford to buy an apartment at their own expense. Most are forced to turn to various financial institutions. The most profitable at the moment are mortgage terms in Sberbank. They practically do not change over time. The institution offers its clients a really small interest rate, without a lot of hidden fees.
Conditions for issuing mortgages in the Savings Bank
Making this kind of lending in Sberbank has the following advantages:
- the absence of a commission for granting a loan or the normal processing of an application;
- absence of obligatory life insurance of the borrower;
- individual approach to each client;
- the possibility of obtaining a personalized plastic card.
Mortgage conditions in Sberbank: a package of documents
To purchase real estate within the mortgagelending to the borrower it is necessary to prepare two packages of documents. One is required when applying for money. It is on its basis that the banking organization will decide whether to issue or deny a mortgage program. The second package of securities is needed directly for the purchase of housing.
To submit documents to Sberbank, the borrower needs to collect the following documents:
- certificate from the place of work (in the form of 2-NDFL);
- an extract or a copy of the work record book;
- an identification number;
- pensioner's ID;
- application for a loan (it is a kind of questionnaire);
- the passport of the citizen of the Russian Federation;
- documents confirming the identity of the co-borrower or guarantor;
- a copy of the savings book with 10% of the cost of housing accumulated.
If you need to find out more mortgage termsin Sberbank, the loan calculator will help them calculate. However, in case of special financial difficulties of a personal nature, you will have to visit the nearest branch of the bank.
Mortgage conditions in Sberbank: how to facilitate payment
It should be remembered that in the Russian Federationnow there are many programs that imply government assistance in obtaining and paying off mortgage loans. There are a number of benefits that can be expected by different sections of the population:
- military mortgage;
- program for a young family;
- maternal capital;
- Governor's program.
All of them can significantly alleviate the conditionsmortgages in Sberbank and help to acquire decent housing for young people. At the moment, the policy of the Russian Federation lies in the direction of providing housing for all citizens who need it. Therefore before registration of the program it is necessary to take an interest, whether there is no possibility to receive a privilege or the state grant at registration of the credit.