Applying for a mortgage from Sberbank to purchase housing is a rather serious step that requires a reasonable approach. You need not only to choose a lending program, write an application for a mortgage, collect the necessary documents, but also to realistically assess your capabilities and anticipate risks. If an informed decision has been made, you need to start by studying the loan products that Sberbank currently offers, as well as the requirements and terms of provision. The borrower's age must be from 21 to 75 years (at the time of loan repayment), and the official work experience in the last place is more than 6 months. In addition, such a large transaction will most likely require the use of guarantors or collateral, so be prepared for this.

If you meet the requirements and are confident in your ability to pay, you can begin preparing to get a mortgage. The process is slow, so you need to be patient. First, you need to figure out how to fill out the mortgage application form correctly, since the bank will make the final decision based on the information provided. Therefore, you need to approach its filling wisely.

How to fill out a mortgage application form

The application form for obtaining a mortgage is a weighty argument when Sberbank makes a decision, so it must be filled out as correctly and honestly as possible. So, the main criteria:

Honesty is one of the main principles that you should adhere to when writing answers. If you hide any information or give distorted information, the bank will still find out the truth, since they will check the potential borrower through a variety of channels, the existence of which you may not even know. And if deception is revealed, this is already a big minus and the likelihood of receiving a refusal.

Accuracy. There are often unfortunate situations when a mortgage was denied due to technical errors when filling out the application form, as a result of which an error was made in spelling the last name, contact information, organization names, and so on. For this reason, security department employees cannot check the client or reach him on a particular phone number and make a negative decision on the request. Therefore, check all data very carefully for spelling errors.

Completeness of the information provided. There are often cases when a bank refuses mortgage lending due to the borrower’s half-empty application form. You are asking for a fairly large amount, which involves certain risks, both for the bank and for you. Therefore, please provide as much information as possible about yourself to the bank so that it can check you.

Amount and terms of the requested loan. You also need to approach this issue as intelligently as possible and indicate the actual size and terms of the loan, assessing your capabilities, and taking into account that the bank will also evaluate them from its own point of view. Soberly compare your own income and the requested amount, while not forgetting to take into account the risks in the form of force majeure, when you may temporarily or completely lose the ability to pay the mortgage.

Rules for filling out the form

Each credit institution develops its own individual application form that a potential borrower must fill out.

You can fill out the application at a Sberbank branch yourself or with the help of an employee. In addition, the official website of the bank offers to download the form on the Internet. In this case, you can fill out the form at home by hand, having previously printed it, or electronically. In the latter case, the questionnaire is printed after the answers are ready.

The application must be filled out in blue or black ink, block letters, and clear and neat handwriting.

Application form for obtaining a mortgage at Sberbank

Download the loan application form to fill out

Corrections in the document are allowed, but they must be certified by the signature of the person whose data was corrected.

A third party can fill out the form for you, but you sign it. And you also bear all responsibility for the information provided. Therefore, check what you write carefully before signing.

It is best to fill out the document together with the co-borrower and other persons involved in the transaction. You should also take into account that a separate application form, filled out in detail and correctly, will be required from each of them.

Sample of filling out a mortgage application form at Sberbank

The application form for obtaining a mortgage contains 6 A4 pages and consists of several sections. Conventionally, they can be divided into:

Personal data, starting from full name and ending with data of immediate relatives;

Information about the financial condition of the borrower (indicate place of work, income level, availability of property);

Information about the requested loan (how much you need, for how long);

Block of consent to the processing of personal data.

Sample form

Download a sample of filling out a loan application form

In order to write an application correctly and not get confused when answering this or that question, study in advance the sample form, which can be downloaded on our website, and the main points of what and how to indicate. Also, carefully read the tips written in small print to avoid mistakes.

1. Role in the proposed transaction. If you are the borrower yourself, check the appropriate box in the left column. There is no need to fill in your full name in the right column; other participants in the transaction (co-borrowers, guarantors) must write their data there. There is a separate column for your data.
2. Personal Information. Here indicate your full name, date and place of birth. Please note that the place of birth must be written as indicated in the passport.

IMPORTANT: If you do not have a TIN, it is advisable to first create one so that you have a number, since this is an important document that is used to verify you through the tax authorities.

Fill out your passport information carefully and without errors, especially the name of the authority that issued the document. If you have a valid foreign passport, check the box next to it.

Data on changes in full name are important, as they allow you to check a person’s credit history or criminal record before changing their last name. Therefore, be sure to indicate your previous full name, if you changed it, as well as the reason for the change (most often it is marriage).

Contact information is telephone numbers where you can be reached. The more you include, the better. You will look like an honest borrower in the eyes of the bank if you provide many ways to communicate, because phone numbers can change, get lost, be transferred to third parties or become unavailable.

IMPORTANT: Having landline phone numbers significantly increases your chances of success.

Addresses. The application form requires full indication of the addresses of actual residence, registration or temporary registration. The very first and most important thing is the permanent registration address. Before you start applying for a mortgage, you must take care of its availability. If the place of actual residence coincides with the registration address, then this block does not need to be filled in. You just need to indicate the timing of how long you live in a particular place. If you have a temporary registration, then an important point is its validity period, since a mortgage loan is issued only until it expires.

Education and marital status are indicated by ticking the appropriate box. If there is a marriage contract, we note its existence. You also need to indicate whether you have children.

The “Relatives” section has more significance than it seems at first glance. Here you do not need to indicate the details of all relatives, but the closest ones are required. If you are married, then your spouse’s details must be entered, since he or she is automatically a co-borrower in this transaction (in the absence of a marriage contract). If you have children, you must indicate their details without hiding the number of children. The presence or absence of a child is an important criterion when making a decision by the bank. For example, if there are many children, then the income should be significant. Or another case: a young family who does not yet have children applies for a mortgage. In this case, the bank considers them as risky clients for itself, since there is a high probability of having a child, which means an increase in expenses. In addition, such clients will probably ask for a deferment on their mortgage, since they have a legal right to do so. If the family already has one or two children, then the situation is likely to remain stable throughout the loan repayment period. In addition to children, the application form must indicate the details of parents or adult sisters and brothers.

Information about the main work. Here you will need to indicate the details of the company where you are currently employed. Fill out the information as detailed and accurately as possible. If you don’t know something (for example, the organization’s tax identification number, the exact name of your company, how many people work here), clarify this in advance. Fill out information about how long you have been working at your current place, how many times you have changed jobs over the past three years and your total length of service as accurately and truthfully as possible, since the bank will still check and verify this data.

The monthly income section is the main section, because it is based on the specified data that the bank will judge your solvency. The main point is the amount of income, which you can officially confirm (this could be a personal income tax certificate from your place of work, an extract from a salary card, a statement of receipts to a bank account, etc.). If you have personal other sources of income, feel free to indicate them, but do not exaggerate their size. Write it as it is. If not, leave the field blank. Filling out the “recurring expenses” field may cause some difficulties. Here you need to be as honest as possible, and first of all with yourself, because you will then pay the monthly payment for the loan and manage the remaining amount of your monthly income. If a mortgage is purchased for a young couple or family, indicate the amount of your monthly expenses. The calculation needs to include payment for renting an apartment, rent, payment for telephone, Internet, school or kindergarten, and so on. This does not take into account taxes, current loan payments (the bank will check them itself), and expenses for food, clothing, etc. If you are purchasing a mortgage for yourself and live with your parents, you must indicate your share in the periodic expenses column. In the “family income” column, indicate the total amount of monthly income, taking into account all sources. You need to write a reasonable amount (we take into account all sources of official and unofficial income of all family members), avoiding inadequate exaggerations.

Information about existing property. Based on the data specified in this column, bank employees will analyze your overall financial condition and solvency (after all, maintaining property sometimes requires a lot of money). In addition, property can to some extent act as a guarantor for the repayment of borrowed funds.

A block confirming your consent to the processing of personal data. Here, having studied everything that is written in small print, you need to put your signature. According to the law, a citizen has the right to give or not give his consent to a data check regarding himself. But in this case, you will have to sign your consent in any case, because without verification the bank will not issue you a loan. But before you sign, you must know what you are agreeing to. The last section is information about the loan you are requesting. Here you indicate the amount and term of the loan.

• in the “Additional information” section you must indicate information about bank cards or accounts opened only with Sberbank, if you have them. There is no need to indicate data on products from other organizations;
• you confirm the accuracy of the information provided and agree to its processing and verification;
• confirm that you have been notified of the bank’s right to refuse to issue a loan without giving a reason, understand and accept the risks associated with the mortgage loan if it is approved;
• give permission to Sberbank to request information about you from the Pension Fund, indicating your insurance number;
• you consent to the transfer of your data to cellular operators for additional verification;
• you allow the bank to check your credit history by indicating the Code of the subject of the credit history (find out in advance) and checking the appropriate boxes.
• At the end, we write the date and exact time of handing over the questionnaire to the bank employee, write our full name and sign. The manager who accepted your application also writes your full name and signs the document.

The last section is information about the requested loan. Here you indicate the amount and term of the loan.

Next, we select the type of “housing loan”, that is, do you want to buy housing in a new building, on the secondary market, etc. (this needs to be decided in advance). We indicate the purpose and special conditions of the loan, if any (promotions, programs, etc.). We provide a bank account number for transferring credit funds (if the account is not yet opened, please open a new account in your name). We complete filling out the form by indicating your full name and personal signature.

How can I make it easier to fill out an application for a mortgage?

To avoid any difficulties when filling out an application for a mortgage loan and not to delay the process, you need to find out and prepare some information in advance and make the necessary calculations.

Documentation. Prepare in advance the documents whose data will need to be indicated in the application form: passport, pension insurance certificate, TIN, Sberbank plastic cards, bank account number, housing or vehicle passport (for filling out information about property).

Calculations. First, calculate how much loan you need and for how long. Approximate calculations can be made on the Internet online using special calculators. Secondly, calculate your official and unofficial income, total family budget, and monthly expenses. Thirdly, remember in advance how long you have been working in your organization and how many jobs you have changed over the past three years, and also count your total work experience.

Phone numbers. Prepare and write down telephone numbers in advance if you do not know them by heart.

Information about the place of work. Often people cannot immediately name the full official name of their organization, how many people work there, much less indicate the tax identification number. Therefore, find out such data in advance.

Thus, filling out an application to obtain a mortgage from Sberbank is not a simple or quick process and requires a reasonable approach. Be critical of your requests, soberly compare your capabilities, and provide the bank with reliable data. All this increases your chances of success. Remember that the bank has the right to refuse you without explanation. Be prepared for different outcomes when your application is reviewed. The reason for refusal may not only be your income level. The bank very carefully checks all the information you provided to it and evaluates your solvency, reliability and its own risks in all respects. If the first attempt was unsuccessful and you were refused, you can submit a new application only after 2 months (60 days). Before re-submitting documents for a mortgage, try to analyze the situation, understand why the bank refused you, and correct your mistakes. Then the chances of getting a positive decision will increase.

Application - application form for a loan to Sberbank

Application - a loan application form is mandatory and is included in the set of documents for applying for a loan, which provides the bank with the necessary information about you, as well as information about what loan product and what amount you need.

At Sberbank, this questionnaire is conditionally divided into 2 parts:

Borrower information

Borrower information

The application form must be completed in printed or handwritten form. It can be filled out not only by the borrower himself, but also by any other person, but according to the words of the borrower, co-borrower, guarantor or mortgagor. If it is necessary to make adjustments to the application, they must be certified by the signature of the person for whom the questionnaire was filled out.

Personal information

Personal data, passport data, data on changes in surname, name, patronymic must be filled in strict compliance with a passport.

Concerning contact information, then phone numbers must be indicated very carefully. The mobile phone number must be indicated in any case and only your own. If for some reason you do not use a mobile phone (for example, hearing impairment), then only then indicate someone else’s number - however, you should understand that this may lead to unnecessary questions from the inspection service.

If the registration address and the address of residence are the same, then the same telephone numbers are indicated. It should be borne in mind that the home telephone number at the residence address and registration address must be landline. It is not advisable to indicate a mobile phone number in these fields.

As for your work number, you should also include your landline phone number here. If you don't know him, you can leave this field blank. It is also not necessary to indicate an email address.

Addresses of permanent registration, actual residence, as well as temporary registration are filled in strictly to the point in accordance with the passport (certificate of registration at the place of residence).

In the loan application, information about immediate relatives must be indicated in the event that these relatives also participate in the application as co-borrowers or guarantors.

Information about the work is provided in your own words. However, if you apply for a loan using two documents, you must check your employer’s TIN in advance, since its indication is mandatory. If you are an individual entrepreneur, then the category of the position held is enterprise owner/general. director/chief accountant.

It is not necessary to indicate information about the ownership of the vehicle; this does not significantly affect the outcome of consideration of your loan application.

Additional Information

The additional information block contains information about the numbers of salary cards/salary accounts, if any. If available, be sure to include this information. The individual insurance number is also indicated here. It is not recommended to indicate it if you receive your salary “in an envelope”. On the other hand, it is advantageous to indicate it if you have a “white” salary, but have a bad credit history. If you indicate the ILS number, you must put “Yes” in the consent block for the analysis of information on your personal account.

The credit history subject code is a kind of identifier - a sequence of letters and numbers that is created by the borrower. Subsequently, the borrower can use this code to find out in which credit history bureau his credit history is located. This is done using the Central Catalog of Credit Histories.

Information about the requested loan

This part of the application form at Sberbank provides information about the requested amount and type of loan product. Here you can also specify additional parameters for different types of loans - information about the availability of preferential conditions (for example, a young family) or the cost of the property and the amount of the down payment (mortgage), information about the seller of the car or vehicle (car loan).

In addition, this part indicates the number of the bank account or card to which the loan funds must be transferred.
The client’s signature is also placed here.

Types of Mortgage Lending

The housing loan option should be chosen based on the type of housing and other conditions. The following programs are currently offered:

After successfully completing these stages, the client signs the contract. After this, he fills out documents for housing, registers it, insures it and returns to the department with all the documents. The procedure ends with the opening of an account in the name of the borrower for the transfer of loan funds.

The best option for a large family is your own home

The desire of every citizen is to acquire their own housing. The most popular, and sometimes the only way, is getting a mortgage loan. There are a sufficient number of programs offering benefits according to certain criteria. Therefore, before making a decision, you should carefully study the entire range of products offered by banks. Next comes the registration procedure, which consists of several stages. The first step will be to fill out an application form to receive. This is an important document that influences whether staff make a positive or negative decision. To increase your chances, you must enter the information correctly in all fields. Below we will analyze in detail all the nuances and subtleties.

Whether the loan will be granted directly depends on the completeness and correctness of the information provided by the client. Therefore, it is recommended to adhere to the following rules:

• Honest filling. Debt obligations require a certain level of trust. When issuing large sums, any bank tries to minimize the risks of non-repayment of funds. Therefore, it is worth providing complete information about your person, without concealing or exaggerating the facts.
• Accurate information. A common reason for refusal is the inability to verify the information provided due to errors in the company name, surname, dates or telephone numbers. It is recommended to enter all data carefully, checking the correct spelling several times, because even one wrong letter can make it impossible to obtain a loan.
• Scope of information provided. Paying out large amounts is risky, so it is worth providing as much information as possible. Based on them, bank employees will be able to more accurately assess the borrower’s capabilities. Even small details are important when drawing up an application form for a home loan from Sberbank.
• Required amount of funds and repayment period. You should think about this point several times, honestly assess your financial capabilities and send a request based on this. It should be borne in mind that bank personnel will also give an objective assessment of the capabilities of clients based on the information provided. The coincidence of the opinions of the client and the bank almost always gives a positive result.

By adhering to the above principles during the loan process, you can not only increase your chances, but also once again soberly assess the need for a loan. The main thing is to honestly answer the questions posed to yourself.

A potential borrower has the right to fill out documents both at a bank branch and independently at home. When compiling a document in a company, you can use the help of a competent employee who will explain unclear points and suggest the best way. If the client is unable to enter information on his own due to health reasons or other reasons, the staff will do it for him. A prerequisite is to sign with your own hand.

Self-filling requires the presence of a form. The standard application form can be downloaded here. Then you just need to print and enter the information. It is also worth remembering that the official document is drawn up with a pen with black or blue ink. Handwriting must be legible and letters must be printed. Another possibility is filling it out using a computer. Then you just need to print and sign.

Corrections to the application form are acceptable only if the applicant's signature appears next to the changed information. The potential client is responsible for the data provided, so it is recommended to check the accuracy several times. To leave a favorable impression, you should avoid making corrections; if you find an error, it is better to print a new form and repeat the procedure with greater responsibility.

What does the application form consist of?

The application form for a housing loan from Sberbank is developed by specialists. The goal is to reduce the risk of loss of funds by the organization. Therefore, the document consists of six sheets. Conventionally, it can be divided into several parts according to the type of information provided:

• Personal Information. This includes both individual information of a potential client (full name, phone number, residential address) and data of immediate relatives (spouse, children, parents)
• Financial position. The organization and position, length of employment, official income, and ownership of property are indicated here.
• Type of lending. This block indicates the size of the loan and the repayment terms.
• Issuance of consent to processing. This paragraph is provided for the legal basis for checking the information provided by bank employees.

To reduce the risk of making a mistake when entering data, it is recommended to concentrate and perform procedures in a comfortable, quiet environment. For all points, the standard document provides tips that you should pay attention to. Additionally, you can ask an employee for clarification or look for recommendations in open sources. Below we will analyze in detail the filling of each block. The step-by-step preparation of the document is as follows:

1. The very first question is the client’s expected role in the future transaction. Here you need to mark with a cross the item that is required - borrower, co-borrower or guarantor. If the applicant positions himself as an applicant for a loan, then the fields on the right are not filled in - they are provided to indicate personal information for guarantors and co-borrowers.
2. Below are the surname, first name, patronymic, date and place of birth. You should ensure that the spelling matches the passport, especially for the place of birth.
3. Information about the identification document. Here you should pay attention to the correct transfer of digital values ​​of the passport number. If you have a foreign passport, you need to tick the appropriate box.
4. Further, facts of change of personal data in the past are noted. Here you must indicate the exact date, correct previous full name, and the reason that served as the basis. This block will allow employees to check the timeliness of payments on previous loans of a potential client for the entire period.
5. The next point in the application form for a housing loan from Sberbank is to indicate telephone numbers for feedback. Here you need to indicate as much as possible, this will make it possible to look like an open and honest person. An important point is that a landline telephone number will increase the chances of a positive outcome for the enterprise.
6. Information about accommodation. The address of the current stay and registration is indicated. It should be separately noted that if there is a temporary registration, the repayment period is limited by the validity of the registration. It is recommended to take this fact into account in advance and take appropriate measures.
7. Social position in society. This block combines education and the presence or absence of marriage. The marriage contract must be ticked separately, the column is located at the very bottom.
8. Family connections of a potential client are of significant importance when making a decision. This block should be filled out with particular accuracy, providing complete information. First of all, the details of your spouse are indicated. Next is the presence of children, number and age. Families with one or more children have a much higher chance of getting a mortgage than young and childless families, since the latter are at risk. An addition to the family entails an increase in expenses, which, in turn, is the reason for the claim based on the laws of the Russian Federation. The personal data of parents and adult brothers and sisters are also indicated here. Having a large number of able-bodied relatives increases the chances of a positive decision.
9. Labor employment. You must indicate the exact place of work. It is necessary to ensure that the name of the organization is spelled correctly so that there are no difficulties during verification. It is recommended to find out all official information in advance. Data on labor activity for the last 3 years is also provided. Do not lie - the information will be subject to careful verification. Honesty increases the bank's trust.
10. Monthly change in financial status. This block requires the most attention. It reflects the client’s solvency to the bank, and will also allow you to once again evaluate your own capabilities. You will need to indicate the exact amount of official individual income, as well as the amount of funds from additional sources. An important point is periodic costs. This includes payment for rent, utilities, and telephone. There is no need to count expenses for food, clothing and other individual needs. The last point is an indication of the total monthly income of the family.
11. Client's personal property. Owning real estate, a vehicle, or a business speaks of reliability and solvency. Therefore, this block of the application form for a housing loan from Sberbank must be filled out with maximum accuracy.
12. Consent to the processing of the provided information. By filling out this field, the client gives the right to bank employees to check the accuracy of the information.
13. The final step is information about the purpose of the loan and repayment terms. When filling out this block, you should be honest, first of all, with yourself, and soberly assess your capabilities. It is better to play it safe, specify a longer period; closing the debt does not entail penalties.

A mortgage is often the only way to acquire your own square meters. Therefore, filling out an application form for a housing loan from Sberbank is an important step towards achieving your goal. Following the above recommendations will make the procedure easier and more understandable.

The entire process can take a significant amount of time, so it is recommended that you prepare the information you provide in advance on a separate medium from which you can transfer it. To be more confident, you can print out a few forms and fill them out at home without any fuss. The bank evaluates a potential borrower directly based on hard numbers, so you must try to present yourself in the best light.

Download sample applications and certificates for obtaining a mortgage

How to fill out an application form to obtain a mortgage

The application form for obtaining a housing loan from Sberbank is one of the main documents necessary for making a decision on the feasibility of issuing money.

Documents for obtaining a home loan

To apply for a home loan at Sberbank, in addition to the application form for receiving it, you must provide.

Personal borrower

The first package of papers is formed from personal identification documents that make it possible to characterize the borrower:

• passport;
• work book, contract, certificate or other proof of employment;
• Personal income tax-2, certificate on Sberbank or employer letterhead.

Based on this, the applicant’s solvency and responsibility are calculated, and a preliminary decision is made regarding the amount.

For purchased real estate

After approval, up to 90 days are given to find housing and prepare documents for it.

After which Sberbank is provided with:

• purchase agreement or preliminary.
• registration certificate;
• extract from the Unified State Register of Real Estate;
• appraiser's report;
• notarized permission from the seller’s spouse for sale, guardianship authorities (if applicable), etc.

For housing lending in the primary market, the list is different:

• pre-contract with the developer, investment contract, etc.;
• work estimate;
• commissioning certificate;
• act of admission to members of the cooperative (if applicable);
• others, depending on the circumstances.

At this stage, confirmation of sufficient funds to pay the down payment is also provided.

Application form for a housing loan

To obtain a mortgage or any other loan from Sberbank, you must fill out an application. It is not only a form of applying for a loan, but also contains detailed information about the client.

The form contains the following main sections:

• information about the applicant and other parties to the transaction;
• financial status and employment;
• presence of other credit obligations;
• selection of lending parameters, characteristics of the purchased housing.

Filling out the application should not cause difficulties, since the parameters are indicated in accordance with the available documents required to be provided when applying for a housing loan.

Filling rules - sample

Before you start filling out the application form for a home loan at Sberbank, you need to remember a few simple rules:

• fill in block letters, legibly;
• do not allow cross-outs, blots, or corrections;
• indicate the most complete and comprehensive information;
• do not skip items, sections;
• do not write untruths, deliberate lies, do not deviate from the truth.

Users and experts have also developed a number of recommendations to help in obtaining a home loan:

• Indicate a landline home phone or several mobile phones. This indicates the ability to contact the client at any time.
• Write down your landline work phone number. With its help, bank employees will be able to verify their employment history and receive a brief description from HR department employees or directly from the manager.
• Married status. Married couples are considered more responsible.
• Do not hide existing outstanding loans. Sberbank can easily find out about this on its own from the credit history, and the fact of an attempt to conceal it will show the applicant’s unreliability.
• The more completely and exhaustively the questionnaire is filled out, the faster a decision is made. There is no need to call the applicant again and clarify additional information.

When specifying the amount of a home loan, you need to understand that it must correspond to the cost of the home being purchased, as well as wages and income. You can calculate its proportionality to your salary using the Sberbank online calculator.

What does a home loan application contain?

To correctly fill out the Sberbank application form for a home loan, you can use the sample. The sample can be downloaded from the Internet and studied before going to Sberbank. A sample is also available at any Sberbank branch.

The application is filled out at the Sberbank office. But you can also download the form on the Sberbank website to fill out at home, in comfortable conditions.

Personal data

The first section indicates personal and passport data, contacts, level of education, marital status, residential and registration addresses, as well as information about relatives. It is necessary to write down your spouse's details, because... The housing loan provides for her to be registered as a co-borrower. It is also recommended to enter information about children and check the box if they are dependent on their parents. Based on this, a decision is made on the possible amount of monthly payments.

A separate block is given to describe the ability to work:

• Company name;
• organization's activities;
• total number of employees;
• job title;
• working hours;
• general experience;
• number of jobs over the past 3 years.

Financial condition of the borrower

The following amounts are recorded in this section:

• Official income. It may not correspond to wages if there are additional income.
• Unconfirmed. Receipts that are not supported by documents (for example, dividends).
• Systematic expenses: alimony, rent, insurance premiums, etc.
• Total family income.

You are also asked to note the characteristics of the property you own:

• Real estate: region of location, cost;
• Vehicle: make, year of manufacture, cost.

Loan parameters

First of all, the request amount and repayment period are determined that will suit the applicant.

Next, the type of housing loan is determined according to Sberbank programs: purchase of a finished or under construction apartment, garage, land plot, construction of a house, obtaining a housing loan secured by existing housing.

A specific goal is also noted: purchase, construction (investment), refinancing. If necessary, an alternative option is indicated. For example, a family expects to take out a housing loan for an apartment, but is also considering the possibility of buying a room or a private house.

The application form for obtaining a housing loan from Sberbank contains information about the cost of the mortgaged property:

• estimated price of the property being purchased;
• the amount of own funds (to pay the down payment).

Special conditions are noted if applicable:

• young family;
• the facility was built with the participation of Sberbank;
• the facility is accredited by Sberbank;
• When conducting a transaction, it is planned to use an individual bank safe of Sberbank.

If you want to take out health insurance, you should check the appropriate box. Sberbank has a better attitude towards responsible borrowers.

Afterwards, they determine which account to send the credit funds to: the client’s existing one or a new one (opened when the loan is approved).

In some cases, Sberbank provides a credit card with a limit assigned based on the characteristics provided. If there is a need for it, you must check the appropriate box.

If you have a salary or social (for receiving a pension) Sberbank card, you need to indicate this and write down its number for verification.

Consent to data processing

Several pages of the questionnaire are devoted to information for the borrower. It is worth reading it, and also marking your consent to the processing of information, to sending requests to the pension fund, to the employment center, to familiarize yourself with the reason for the application of penalties, etc.

If you know the code of the subject of the credit history, you need to write it down.

At the end, a signature, date and time of submission of the application are affixed. The Sberbank employee who accepted the questionnaire must sign in the same block.

How is an application accepted at Sberbank?

After filling out the form, you should once again check the correct spelling and relevance of the specified parameters and values. Having handed over the application form to the employee, you should wait while he checks whether all fields are filled out, asks clarifying questions if necessary, checks the presence of the required papers, and marks the acceptance of the application.

He fills out the last page of the form:

• job title;
• information about the partner, if the client came from him;
• list of received papers;
• number and date of registration of the application.

Review of the application takes 2-5 days.

The answer is given by phone or SMS. If there is no response for a long time, it is better to call the Contact Center or visit the branch in person to clarify the status of your application. If the decision is positive, the applicant is required to begin searching for housing.

Conclusion

If you want to get a mortgage, you need to submit an application form for a housing loan to Sberbank. You can fill it out at home, based on a sample, or at a department where you can immediately take the documents. It is recommended to provide complete and current data based on the attached papers and certificates.

It is advisable to write correctly right away, and if corrections are made, they must be accompanied by the signatures of the borrower or the person filling out the form. Sberbank has a number of loan programs. Before submitting your application, you must select your loan option. But regardless of the choice (consumer loan, mortgage, car loan), the form that is issued at the branch or downloaded to the computer from the official website is the same. On five pages of the application you should provide comprehensive information about yourself, and only on the last page select a loan program and indicate the amount of the loan. The sixth page includes the following columns:

• loan size;
• currency;
• maturity;
• loan purposes: for consumer needs, for the purchase of real estate or a vehicle;
• additional loan options: standard option, secured, with guarantee.

Official website of Sberbank of Russia

The period for consideration of the application may be extended by decision of the bank. Required documents for obtaining a loan from Sberbank

1. Completed loan application form
2. Passport of a citizen of the Russian Federation with registration. Temporary registration with a supporting document at the place of stay is allowed.
3. Certificate of income of the borrower/co-borrower/guarantor for the last 6 months: form 2-NDFL or according to the bank form - www.sbrf.ru/common/img/uploaded/files/pdf/person/necessary/Spravka_po_forme_Banka_p.rtf
4. Document confirming employment.

Attention! Borrowers aged 18–20 years are not allowed to have co-borrowers.

Sberbank application form for obtaining a loan: sample applications and forms

• Contents of the basic block of the questionnaire
• Contents of the credit block of the questionnaire

First, let's look at the first part of the form, which is responsible for information about the client.

1. Role in the proposed transaction. In this field you will need:
   1. Indicate who you are: a borrower, co-borrower, guarantor or mortgagor;
   2. Please indicate your full last name, first name and patronymic.
      Only necessary if you are not the main borrower;
2. Personal Information. Contains complete information about the borrower.

Sberbank: application - loan application form, income certificate in the bank form

Attention

Read the data processing terms and agree to them;

• Blocks of information for co-borrowers. They indicate general conditions and additional information;
• Final block.

In it, the borrower is obliged to:

1. Indicate the date of application;
2. Please indicate your full name again;
3. Put a signature.

Sample application form for obtaining a housing loan from Sberbank.pdfSample filling out the application form.doc This is where the first part of the application - the application form for obtaining a loan from Sberbank, which is responsible for client data, ends, and the block responsible for the loan offer begins. Contents of the credit block of the questionnaire After the first part of the application - the questionnaire for obtaining a loan from Sberbank, which is responsible for information about the borrower, has been filled out, you will need to fill out the part that is responsible for the loan itself.

Sberbank application form for obtaining a loan

Info

In this paragraph, the applicant is required to indicate how he wishes to receive the money:

1. To a new account that will be opened specifically for this purpose;
2. To a specific account in Sberbank;
3. To a Sberbank client card.

• The final part, in which the client signs with a transcript.
After you sign, the application form for obtaining a loan from Sberbank can be taken to the nearest branch. There they will consider it, if everything is in order with your request, they will approve it, and then, based on the agreement and the questionnaire, a lending agreement will be drawn up, under which you will be able to receive a loan.

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Application – application form for a loan from Sberbank

If you change your personal information, be sure to note this and indicate the reason;

• communication: telephone numbers: home, cell, work, etc. You can enter contacts of authorized persons, co-borrowers, guarantors.

  The more information, the faster the application will be analyzed and considered;

• education;
• family information. The husband/wife must be indicated, since he/she is a co-borrower. If you wish, you can tell about other relatives. If one of your relatives works at Sberbank, this also needs to be indicated;
• place of work, position, length of service, employer data.

Application form for a loan at Sberbank

Everyone will be able to understand the Sberbank application form for obtaining a loan: sample applications and forms are clearly presented. To provide information about yourself you will need a whole package of documents:

• identification document;
• employment contract and book, any certificates from work;
• personal income tax form-2;
• documents on the right to own real estate if a secured loan is taken out;
• statements from salary and pension accounts, if any.

If the form is difficult to fill out, it is best to contact the bank manager, taking with you the above package of documents.

• on whose behalf the application comes: from the borrower, authorized person, guarantor.
• personal information (passport data).

Application form for a consumer loan at Sberbank: detailed instructions

Important

The content of the article:

• The procedure for filling out a loan form at Sberbank
• Sberbank application form for obtaining a loan: sample applications and forms
• What documents are needed to apply for a loan?
• Procedure for filling out the form
• Additional ways to apply for a loan
• Sberbank Internet Banking

The procedure for filling out a form for a loan at Sberbank This form is a six-page questionnaire that allows you to submit an application form for a loan. Only applications with correctly entered and correct data are reviewed and approved (or not) by the credit committee.

The form can be filled out by any person related to the application: the bank manager, the guarantor, the lawyer, the client himself. The application itself can be submitted in written or printed form.
The main thing is to enter all the information without missing a single section.

Application form for a housing loan from Sberbank

The employee, in turn, also signs, accepts the application and transfers it to the credit department for consideration. back to content Additional ways to apply for a loan Having registered in Internet banking, you can submit an application through your Sberbank Online Personal Account. This form is easier to fill out, since all personal information has already been entered. Step 1 Step 2 to the content Sberbank Internet Banking Sberbank can offer a loan on individual terms if Internet banking services have been used for a long time. You just need to download the form and fill it out according to the same template if you are interested in the offer received from the bank. But indicate a different type of loan - “Individual offer”.
Along with the project, the bank also provides a key, which must also be entered in the application form.

Sample application form for obtaining a consumer loan from Sberbank

• Write the citizen's full name;
• Note his date of birth;
• Information about the main work. This paragraph consists of many subparagraphs, each of which must be filled out separately and only if necessary:

1. Type of work and employment contract, as well as information for the unemployed;
2. Full name of the employer;
3. employer's tax identification number;
4. The position you hold;
5. Job category (for specialized professions and professions with authority);
6. Number of employees in the organization (approximate number indicated);
7. The number of employers you have worked for in the last three years;
8. Total work time over the last 5 years of activity;
9. Type of work performed;
10. Information about income and expenses;

• Information about existing real estate.

Application form for a consumer loan Sberbank form

Let's look at them all in order:

1. Amount data. You must specify:
   1. The requested amount;
   2. The currency in which the loan must be issued;
   3. The total number of months for which the loan will be required;
2. Credit product information.

   You will need to choose for what purpose you need the loan (indicate no more than one item);

3. Check the required parameters for the type of lending you have chosen:
   1. For a consumer loan, its type and type of benefits;
   2. For a car loan, this is data on the vehicle or transaction itself, as well as data on the seller of the vehicle;
   3. For a housing loan, this will be information on the housing transaction, a full description of the benefits and special conditions available to the applicant, as well as the cost and type of housing purchased;
4. Method of issuing funds.

If you decide to take out a mortgage loan from Sberbank, then one of the stages of obtaining the desired result will be filling out the appropriate questionnaire. You must understand that the state bank’s decision to approve or reject the application largely depends on this document.

We recommend that you complete the application form competently, carefully and without haste. As practice shows, mortgage borrowers do not have any particular difficulties with this. But it will still be useful to consider a few key points.

Basic information about the mortgage application form

An application form for obtaining a mortgage is general documentation, the form of which can be taken and completed at a Sberbank branch convenient for you. You can also find this standard form on the official portal of the financial institution. You can download the documents to your computer, and then fill them out without haste; in this case, you won’t have to waste time visiting a Sberbank branch.

Specifying information in the Sberbank application form is a simple task. You will need to check the appropriate boxes in the question box or enter the required data in the lines. Do not forget that at the end of the sheet you must put your personal signature. If it is not there, your application will be rejected. The signature is proof that you agree to the processing of information about yourself.

According to experts, one of the current reasons for refusal of a mortgage from Sberbank is precisely that citizens do not bother themselves with careful and correct execution of the form. We recommend that you do not make such a mistake.

How to fill out the Sberbank application form for a mortgage

You can provide information in one of two ways:

• By hand on A4 paper;
• On the computer on the electronic version of the questionnaire.

As for Sberbank representatives, this point does not matter to them. In other words, you can choose the method that is most convenient for you when filling out the mortgage application form. The following recommendations should be taken into account:

1. Provide maximum complete and exclusively reliable information about yourself. You should not leave any columns empty - this is only allowed in a situation where you really have nothing to “say”. Let us note once again that half-empty questionnaires are most often rejected;
2. The information must be not only complete, but also correct. The information that you provide to Sberbank when applying for a mortgage will be studied and verified. If specialists see that you are trying to deceive them, you will 100% receive a refusal. You will be among those borrowers for whom it will be extremely difficult to obtain a loan both now and in the future;
3. Be literate. Before sending the document, review it for errors. If you incorrectly indicate your contact phone number, residence/registration address, or cannot write your first or last name correctly, this will cause justified suspicion;
4. Indicate a little more than the amount that you actually seek to receive from the state bank. It is no secret that Sberbank, like other lending enterprises in the Russian Federation, often reduces this indicator.

In the application form for a mortgage loan from Sberbank, you will see tips that will allow you to fill out the form as expected. If you still encounter any difficulties, you can seek advice from bank employees: online, in the office or by calling the Sberbank Hotline number 8 800 555 55 50.

If you want to involve co-borrowers and guarantors in the lending process, the process of filling out paperwork will be longer and more difficult. You will need to tell information about other people: therefore, you should fill out the form directly with them.

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First section of the questionnaire

Section number one can be called general. Here you will see all the information about a potential home loan. You should write here:

1. The purpose of obtaining financial support from Sberbank;
2. Type of loan (mortgage);
3. Loan term at Sberbank - when choosing the period during which you want to pay the organization, take into account the terms of current offers from Sberbank. Check them out on the lender's website in advance. If the deadline is not adequate, the application may be rejected;
4. The nuances of repaying debt obligations to the company.

In the case of the last point, we are talking about the fact that you must decide on the loan payment scheme that suits you - is a differentiated or annuity payment system more convenient for you? We remind you that in the case of a mortgage, debts are mainly closed using the latter system.

If you are afraid of making a mistake, we recommend that you get competent advice on this important issue from Sberbank employees.

Second section of the questionnaire

Here you need to indicate information about the citizens who will participate in the lending procedure:

1. Mortgagors, if they take part in the registration of the mortgage;
2. Co-borrowers and guarantors;
3. You are like a borrower who needs finance to purchase a property.

Remember that Sberbank requires that complete and correct information be provided about each of the above citizens:

• Place of employment;
• Presence and composition of the family;
• Personal information, including passport details.

If your guarantors and/or co-borrowers are related to you, you need to indicate the degree of relationship. An important point is that “related” mortgage transactions are approved more often than others.

Also, your chances of getting a positive answer will increase significantly if you have:

• An additional source of income that you can document;
• Valuable property: car, land, apartment, etc.

If any of the above is present, collect documents proving this fact.

Third section of the questionnaire

Here you will talk about your material well-being, as well as the financial condition of other citizens participating in the mortgage. You should also write only reliable information.

Important! When providing information about your income, do not forget that Sberbank conducts a comprehensive audit. The lender knows very well how much money you can earn from a particular job in Russia. Try to inflate your salary, or see a mortgage refusal.

The application form has a section with “Additional income”. Here they describe information about those sources of profit that exist in addition to the official salary. For example, about income received:

• As financial assistance from other persons;
• From working at an additional place of employment;
• From renting something out.

After you describe your income, you will also need to talk about your expenses. They do not need to be specified: you can provide a generalized amount. Should it be reduced? Also no. Sberbank employees are aware of how much Russians spend on average.

The fourth section of the questionnaire

If you decide to get a mortgage from Sberbank, then in the standard form you will see four sections: you need this one so that you can indicate other outstanding debts. You should not be afraid that you will be denied a loan to purchase real estate because of an open loan. Therefore, we strongly discourage you from trying to hide outstanding debt obligations.

The section indicates:

• The name of the creditor to whom you are in debt;
• Amount to be repaid;
• The period required for full settlement with the lending company.

Remember that Sberbank always checks information about its potential clients. If specialists find out that you are hiding information about your outstanding loan, you will not receive money to purchase a home.

Important! If you have small active loans, you should close them before contacting Sberbank. In this case, you will get the following results: increase the possible credit limit, increase the chances of approval of the application, and reduce the interest rate.

Fifth section of the questionnaire

Mortgage loans are provided only against the security of real estate - the one that will be purchased with borrowed funds. This is a necessary security measure that protects the lender from the risk of losing finance if the borrower decides to violate the terms of the agreement.

In the fifth section, it is necessary to provide a description of the immovable object that will become collateral for the mortgage. You should talk about:

• Where is the chosen accommodation located?
• What condition is the building or apartment in?
• Area in square meters;
• Market value of the offer.

When evaluating real estate, Sberbank takes into account not only the cost of housing, but also its liquidity. With great pleasure, money is given for the purchase of an object that in the future can be simply and quickly implemented:

• With a comfortable and modern layout;
• With failed communication systems;
• Located within the city, not outside it.

All this information is taken into account without fail. If experts see that the borrower wants to buy an illiquid property, they will reject his application (in many cases).

What points should you keep in mind?

According to experts, the form that you need to fill out to get a mortgage from Sberbank is quite simple. But she also has her own “tricks”:

• When choosing a co-borrower for a mortgage, consider the number of children in his family. The more children there are in a family, the greater the financial costs. Therefore, a co-borrower with many children is far from the best candidate;
• If you need a large sum of money on credit, even talk about those sources of profit that are not official;
• Be sure to indicate the number of your landline work telephone (if your company has one). Do not try to give “left” numbers - credit experts will call the number and ask the person who answers about your person;
• The best co-borrower is a spouse. The trust of the banking structure in couples who mutually decided to take out a mortgage is maximum.

If you still have difficulties filling out the questionnaire, be sure to study the standard ready-made sample. Do not fill out the form in a hurry, illiterately or without due attention. This will be the reason for the refusal of a Sberbank mortgage.