How To Get A Loan For Housing In Sberbank

Table of contents:

How To Get A Loan For Housing In Sberbank
How To Get A Loan For Housing In Sberbank

Video: How To Get A Loan For Housing In Sberbank

Video: How To Get A Loan For Housing In Sberbank
Video: SberPay: как подключить, как пользоваться? Платёжная система от Сбербанка. Оплата телефоном. 2024, March
Anonim

In Sberbank, you can take out a loan for housing for up to 30 years. There are basic and special lending programs. Down payment - from 10% (exception - 0% when refinancing home loans).

How to get a loan for housing in Sberbank
How to get a loan for housing in Sberbank

It is necessary

  • - lending program;
  • - credit card;
  • - list of documents;
  • - income statement;
  • - a memo to the borrower.

Instructions

Step 1

Choose one of the basic programs. This can be a loan for investment in housing construction secured by a loaned or any other residential premises, for the purchase of finished housing on the security of a loaned or other residential structure, or for the construction of a residential building secured by a loaned building or other residential premises. In the first two cases, the rate in rubles is 9, 5-14%. In the third case - 11, 7-14, 75%. There are no loan fees. There are special lending conditions for clients whose salaries are credited to an account opened with this bank, and for employees of organizations accredited by Sberbank of Russia. An individual approach to the consideration of each application is assumed. There is no need to insure the life and health of the borrower and co-borrowers.

Step 2

If the basic programs did not suit you, refer to the special offers of Sberbank. This can be a mortgage with the support of the state (a loan for the purchase of a building under construction or an already finished building from a legal entity secured by a loaned or some other residential premises) or refinancing of housing loans (a program of repayment of a loan received from another bank for the purchase or construction of a house or apartment). You can choose the most suitable credit card - a non-personalized instant issue card Visa Credit Momentum / MasterCard Credit Momentum with a limit of up to 150,000 rubles or an individual credit card with a limit of up to 200,000 rubles. The credit card is issued to the client after the approval and receipt of the mortgage loan.

Step 3

Obtain a complete list of required documents from Sberbank and fill out a certificate of income in the form of a bank.

Step 4

Carefully read the information about the loan and the terms of its service (repayment), study the loan agreement and other official papers (it is recommended to get a memo in advance at the bank's branch or download a memo from its website).

Recommended: