Mortgage lending is one of the most popular products. This is due to the fact that it is often not possible to buy housing at full price, so the optimal solution for purchasing an apartment in 2020 is a mortgage. This type of lending is quite complex and time-consuming, so let’s talk about what documents are needed for a mortgage in Sberbank for an apartment. Preliminary preparation will significantly speed up the process of applying for a mortgage loan. But it is important to remember that many copies included in the package of required papers have a limited validity period. You can present them within a month, after which you will need a new document.

Documents for obtaining a mortgage at Sberbank for individuals have a different list depending on the category of citizens and the type of product. But there is a standard list of papers that will be needed during registration in any case.

The list of required papers includes:

• passport;
• a questionnaire, which is also an application;
• documentation for collateral real estate.

This is a list of basic documents for applying for a mortgage. By the way, in some cases, the lender issues loans only on these securities, but the conditions of such loans are very strict, so it is better to collect an additional package in order to soften your own as much as possible.

In addition to basic papers, the financial organization pays special attention to income certificates and confirmation of employment. The forms of these certificates can be very diverse. Therefore, let's consider in what form the lender will accept these papers.

Income proof

Income certificates are one of the most important in lending matters. The same applies to mortgage loans. A client who confirms a good level of income has a high degree of solvency and can count on concessions in the conditions. In particular, this affects the formation of the interest rate, which is carried out on an individual basis.

• The most common option for confirming official income is to provide 2-personal income tax for the last six months. If the client worked less time at the last workplace, it is allowed to provide a document for the actual period.
• If a government institution has restrictions that do not allow it to receive 2-NDFL, then the bank will accept a certificate based on the institution’s model.
• Nowadays there are often situations in which the employer, according to official data, pays the employee the required minimum, but in reality the wages are much higher. In this case, you can present a certificate in the bank’s form; you can download it on the official website of the financial organization or ask an employee by visiting the branch in person.
• If the applicant has pension contributions or other means of lifelong support, it is necessary to provide the bank with a certificate confirming this and containing information on the amount of contributions.
• If there are any other compensations or payments, then you should also inform the bank about this, providing the necessary certificate.

The more income the applicant confirms, the more lenient the terms the bank will offer him, because a solvent borrower is a guarantee of repayment of the mortgage loan in full. Therefore, if the client has additional sources of income, they should also be indicated. For this, a declaration to be submitted to the tax service with a government agency mark or a document confirming the fact of sending the report by mail is suitable. If the client receives income from the rental of residential or non-residential assistance, then a rental agreement concluded with the tenant is suitable for this; along with it, proof of ownership and a tax declaration are required.

Employment confirmation

In addition to income certificates, documents for a mortgage at Sberbank 2020 must contain reliable information about the client’s employment. There are several options to confirm it.

• A copy taken from the applicant’s work record and certified by an authorized representative of the employer. An alternative option could be an extract from the employment record containing information about work for a period of 5 years. This option is a classic form of confirmation, but employment is not always carried out using an entry in the work book, so it is not the only one.
• A certificate from the last place of employment, which indicates the applicant’s position and his length of service.
• In cases where it is permissible not to have an employment contract, you can provide a copy of the employment contract.
• For an applicant who is an individual entrepreneur, it is required to provide a certificate of registration of a regulatory form.
• For persons conducting private practice as a lawyer or attorney, a certificate and an order of appointment to the appropriate position are required.
• If the applicant’s activities require licensing, then this must also be provided.

This list of acceptable documents will help you assemble the required package for your mortgage loan application.

Additional documents according to product category

The credit institution offers its clients a variety of mortgage products. The main criterion for their division is the category of citizens to whom they are offered. In this regard, documentary evidence of the ability to take advantage of a specific offer is added to the main package.

Loan for a young family

This type of product is offered to families in which at least one spouse has not reached the age of 35 and has one or more children. For this category of borrowers, the following additional documents are required:

• birth certificate of each child;
• For a complete family, a marriage certificate is required;
• To record the income of immediate relatives, information confirming the degree of relationship must be provided.

Loan for maternity capital

From the name of the proposal it is clear that maternity capital will be used as a down payment for the purchase of housing. In this case, the following additional papers are required:

• maternity capital certificate;
• a certificate from the pension fund containing information about the balance of funds.

Military mortgage

Provided as part of the state program for providing housing to military personnel. When contacting a bank for this form of mortgage lending, you will have to fill out a separate form, the form of which can be obtained at a bank branch or downloaded from the organization’s website.

Housing loan with other collateral

Other property of the applicant can also act as collateral; most often, this approach is used in the case of lending without a down payment or when the main collateral is in the process of construction and the mortgage papers for it cannot yet be provided. Not only other real estate, but also a car or securities can be provided as collateral.

• If claims are used as collateral, proof of these rights must be provided. And the consent of other family members.
• To pledge a car, you need an assessment of the value, as well as a title and vehicle registration certificate.
• If securities are used, then it is also necessary to confirm ownership of them.
• Real estate as collateral requires much more documents: registration of ownership; contract establishing ownership; cost estimate; extract taken from Rosreestr; cadastral plan; a certificate stating that there are no registered residents in the premises; consent of the spouse and guardianship authorities; if the collateral is a private house, then ownership of the land plot on which the property is located.

The above-described certificates are part of the package of documents for a mortgage at Sberbank, required at the first stage of submitting an application. Once the loan is approved, it is necessary to confirm the availability of funds for the down payment and provide documentation of the purchased property.

Documents for the purchased property

This part of the package is no less important; the financial organization carefully examines the real estate that is purchased with a mortgage. If there are any doubts about the authenticity of the documents or the real estate itself, the mortgage will be frozen, and the client will be asked to find another option.

Here is a list of papers that you will need to provide to the bank:

• A preliminary agreement concluded between the buyer and seller, which stipulates the main points of the transaction.
• A copy of the seller's proof of ownership of the property.
• An act confirming the absence of encumbrances and restrictions.
• A copy of the certificate determining ownership.
• Estimated value, confirmed by documents.
• Consent of the seller's wife to the sale.
• If the seller has minor children, then permission to sell from guardianship authorities is required.

You can confirm that you have funds for the first deposit by providing an account statement or an agreement confirming the payment of part of the cost of the property to the seller.

It is worth noting that the bank can supplement the list of required documents if additional questions arise. Therefore, even this large list is not final. More detailed information will be provided by the bank manager who will handle your transaction.

25.03.2019 0

What documents are needed to apply for a mortgage? - This is one of the important questions for borrowers about to sign a mortgage agreement. Today, the required list of documents depends on what type of home loan you choose. To begin with, you need to fill out an application, the current form of which is posted on the official website, or take the form directly from a Sberbank branch.

Conditions for issuing housing loans

Apartment:

• Technical passport;
• Agreement of purchase and sale, gift;
• House plan;
• Certificate of acceptance of the house into operation;
• Permits;
• Extract from the house register;
• Certificate from the BTI with information on the cost of housing;
• A copy of the financial and personal account;
• Extract from the Unified Register of Rights on encumbrances of the owner’s rights;
• Documents confirming that there are no outstanding payments;
• The owner’s consent to transfer the property as collateral;
• Assessment by an independent expert;
• Title papers for the land on which the housing is located.

Non-residential premises:

• Documents of ownership;
• Certificate of state registration of rights;
• House plan;
• Technical passport;
• Expert assessment;
• Certificate from the BTI;
• Certificate from the Unified State Register;
• Documents for the pledge of the land on which the premises are located.

Land plot:

• Extract from the cadastre;
• Documents on ownership or lease;
• Extracts from the Unified State Register with information about encumbrances.

Vehicle:

• Vehicle passport;
• Insurance assessment or assessment by an independent expert.

Securities

• Documentation confirming ownership.

Precious metal ingots

• Ingots;
• Certificates from the manufacturer.

Unfinished construction projects

• Papers confirming registration and ownership;
• Documents describing the object;
• Construction permit;
• Certificate from the BTI about the cost of housing;
• Extract from the Unified State Register;
• Design and estimate papers;
• Expert assessment;
• Title documents for the corresponding land plot.

Some of the documentation is prepared by the seller:

• Certificate of state registration of ownership of the housing that is being sold;
• Extract from the Unified State Register;
• Sales and purchase agreement and other documents on the basis of which the real estate is transferred;
• Refusal by other owners of the pre-emptive right to purchase (if the housing is in shared ownership);
• Consent to the sale from the husband or wife;
• Notarized certification for the transaction if a third party is involved in the transaction;
• Permission from the guardianship and trusteeship authorities, if the share of the real estate belongs to a minor.

We can conclude that obtaining a mortgage is a very difficult and complex process. The pitfalls are interestingly described in the presented video.

Welcome! So, today the topic of our meeting is documents for a mortgage in Sberbank in 2020. You will learn about the list of documents for obtaining a mortgage at Sberbank for different categories of borrowers. We will tell you about the package of documents for a mortgage for a property in a new building and for finished housing from the seller and buyer, as well as useful advice from experts.

What documents will a potential borrower need for a mortgage from Sberbank? Let's try to figure it out. To be guaranteed to receive a mortgage loan for housing at Sberbank, you need to follow a number of simple rules. It is important to have a good understanding of how the decision to issue a loan is made, and to do everything so that bank employees do not have even a shadow of doubt about your reliability as a borrower. It is necessary to provide on time the mandatory list of documents requested by the bank to obtain a loan.

First you need to make sure that the bank agrees to give you a mortgage loan. To do this, you need to contact the nearest Sberbank branch and get an appointment with a loan specialist. He will ask you to fill out an application for approval of the amount you need.

To do this, you need a passport and a certificate of your income for the last six months (form 2-NDFL or according to the bank form).

Of course, at the time of submitting such an application, you must have a regular income for at least the last 6 months and have a total work experience of at least one year over the last 5 years (be employed or run a business). To confirm this information you must provide:

1. A copy of the work book (necessarily certified correctly) - for officially employed people.
2. A certified copy of the declaration with a note on payment of taxes for the last reporting period, but not less than six months. A certificate of individual entrepreneur registration and tax registration is for individual entrepreneurs.

Important! Business owners in Sberbank are registered as ordinary individuals, but their documents must be certified by co-founders or another responsible person.

1. A certificate of length of service and a certified copy of the contract - for military personnel and law enforcement officers.
2. Salary card – for participants of the salary project. There must be at least six deposits on this card. Also, bank employees often make various mistakes when opening them, which result in a mortgage refusal, so we recommend immediately preparing a complete application package with certificates and employment documents.
3. A certificate from the pension fund or a pension account statement (necessarily certified by the bank) about the amount of the accrued pension - for pensioners. If the pension comes to a Sberbank account or card, then it is enough to simply indicate the account or card number in the application form.

If your official salary is low, then you shouldn’t be upset. An important feature of Sberbank is that undocumented income will be taken into account when considering a loan application. Sberbank gives the highest mortgage amount among all other banks. This has been tested many times.

The presence of a guarantor will have a positive impact on your solvency and the application will most likely be approved, so if there is such a person around, be sure to collect a package of documents for the bank.

In Sberbank, a mortgage is possible using two documents (passport + SNILS, driver's license or foreign passport of your choice). PV for such a loan is from 50%.

It's good when you own other real estate. This will influence a positive decision to grant you a loan. Please indicate this on the application form.

If the marriage is registered, then both spouses must be parties to the transaction. One of them will be the borrower, and the other will be the co-borrower. We described in detail who he is in the previous post.

If you do not want your spouse to participate in the transaction, then you will need to make a note in the application form that you have a prenuptial agreement. Then, during the consideration of the application, the spouse will not be taken into account, but his passport will be needed in any case. After approval of the mortgage, you will need to prepare a marriage contract and have it certified by a notary. This marriage license is provided along with a full package of documents for the property.

If one of the spouses is a foreigner, then the conclusion of a marriage contract is mandatory. A passport of a foreign citizen is provided to Sberbank.

If the passport contains a note about an active marriage, but in fact the potential borrower is divorced, then you need to provide a certificate of divorce.

During your first visit to the bank, try to get as much information as possible and do not hesitate to ask questions. This will help avoid mistakes and speed up the entire procedure. It is advisable to write down the name and surname of the specialist who advised you, and his working hours. Then you will have the opportunity, if difficulties arise, to contact a bank employee who already knows you.

Before you apply, you should have a good idea of ​​the amount you want to borrow. It should be lifting for you. Ask your employee to calculate your monthly payments. Balance them with your income. You should have money left over to pay utility bills, food, and other everyday expenses. We also recommend using ours to calculate payments.

The bank considers the application no longer than five working days (usually 2-3 working days, and for pensioners and salary employees per day). An employee will notify you of the answer by phone and will send you an SMS. If the loan was approved and they agreed to pay the amount you requested, then you need to move on to the next stage - choosing a suitable apartment. The bank gives two months for this.

Usually Sberbank approves the maximum possible limit. This means that the borrower can purchase housing at a higher price than what is indicated in the application form. Check with your mortgage specialist for the exact amount.

When you next visit the bank, you should already have in your hands a real estate purchase and sale agreement signed by both parties (seller and buyer). Since the purchase takes place using credit funds from Sberbank, this must be reflected in the contract as a separate clause indicating the exact amount.

In addition, the document must state that from the moment of state registration of the agreement, the apartment you purchased is pledged to the bank. To immediately draw up a purchase and sale agreement correctly, take a sample of it from a credit specialist.

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How much loan can I expect?

The bank always approves the maximum amount that it can issue to the borrower and co-borrowers specified in the application form. However, the loan amount cannot be more than 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower assessment system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank refuses you, you can reapply for a loan within the period specified in the accompanying text of the refusal. In some cases, you can reapply immediately.

How to increase your chances of getting a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the bank form instead of a 2-NDFL certificate. An income certificate in the form of a bank is an alternative document that is accepted by the bank as confirmation of the borrower’s income, but in which additional earnings can be taken into account.

I am an elderly person, will they give me a mortgage?

You can take out a mortgage until you turn 75 years old. For example, if you are 65 years old, you can take out a 10-year mortgage.

If I receive a salary on a Sberbank card?

Salary clients of Sberbank, depending on other loan conditions, may receive additional benefits. At the same time, benefits are available if any of the co-borrowers is a salary client.

· If over the past two months you have had at least one salary deposited onto your Sberbank card or account, you can receive a discount on your rate.

· If you have had your salary credited to your Sberbank card (account) in at least 4 of the last 6 months, you will not need to additionally upload an income certificate and a copy of your work record book.

How can I find out the overpayment on my future loan?

You can see the amount of overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a life and health insurance policy for the borrower?

Life and health insurance in the insurance company Sberbank Life Insurance LLC or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate purpose - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the occurrence of an insured event (disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages from Sberbank are issued only to Russian citizens.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a required co-borrower. Exceptions are possible if a marriage contract is concluded between the spouses.

For example, to increase the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in salary projects. And when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital for a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum down payment amount, we recommend using the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

Also, maternity capital funds can be used for early repayment of an existing loan.

What additional costs will there be when applying for a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for assessing the collateral);

· Insurance of the collateral (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· The state fee for registering a transaction in Rosreestr is 2,000₽ at independent registration or 1,400 ₽ for electronic registration instrations (this is an additional service and is paid separately);

· Renting a safe deposit box and paying for access to it (when buying a secondary home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the relevant services.

What is better: new building or resale?

As a rule, an apartment or apartments in a new building are purchased directly from the developer, while resale apartments are purchased from the previous owner.

No one lived in the new building before you, the price per square meter is less than that of an apartment of the same class in the secondary market, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at your place of residence, the elevator and gas will not be turned on until Most of the residents will not move in; most likely, they will have to wait for the development of infrastructure and the completion of repairs from the neighbors.

As a rule, you can move into a secondary property and register immediately after purchase; the infrastructure around it is already developed, however, most likely you will have to be content with a standard layout, worn-out communications, and you will need to check the legal purity of the property and the parties to the transaction.

What is the processing time for a loan application?

Review of the application does not exceed two days, but most clients receive approval on the day of application.

How does the process of obtaining a mortgage from Sberbank through DomClick work?

Depending on the type of property and other parameters, the process of obtaining a mortgage may vary.

However, the first stage is the same for everyone - submitting an application for a loan. To apply, calculate the loan using the DomClick calculator, register on the website, fill out the form and attach the necessary documents. Review of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet selected a property, you can start doing so immediately after receiving approval from the bank, when you find out the maximum loan amount for you.

When the property has been selected, upload the necessary documents in your DomClick account.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank mortgage lending center.

The last stage is registration of the transaction in Rosreestr. Congratulations, you're done!

Why register on DomClick?

After registration, you will have access to a consultant’s help in the chat and a borrower’s questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving loan approval in the borrower’s personal account, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the bank's decision?

Immediately after consideration of your application, you will receive an SMS with the bank's decision. A bank employee will also call you.

To apply for a mortgage loan, you need to collect many different certificates. Some of them should be submitted before consideration of the application, and some - only after receiving a positive response. The package of documents for obtaining a mortgage at Sberbank may differ slightly depending on the type of program chosen; to get a complete picture of the process of obtaining a housing loan, we advise you to read our material:.

We will tell you what documents are needed to apply for a mortgage at Sberbank

Before applying for approval of a mortgage loan, you should determine its type. It depends on the property.

Stages of obtaining a home loan

It is possible to purchase an apartment from the owner or from the primary market, as well as a country house or its construction. They differ in the maximum amount - up to 1.5 or 3 million rubles, and the rate - from 12.5-13.5%. The term is determined according to the wishes or characteristics of the borrower. Limit – up to 30 years. The minimum amount for all types of lending is from 300 thousand rubles.

The package of documents for obtaining a mortgage loan at Sberbank is usually formed from the following papers:

1. Passport.
2. Additional identification: military ID, foreign passport, pension certificate, driver's license.
3. Certificate of registration.
4. Help 2-NDFL.
5. Employment history.

In addition to this mandatory list, others may be used. For example, instead of a personal income tax certificate, the client can provide a bank certificate. It should be obtained from the bank and submitted to the employer for completion. He enters data on the income, retention and length of service of the specified employee for 6 months. This option is used if the company is not able to provide standard information on personal income tax-2.

Basic list of documents confirming the borrower’s income

List of papers without proof of income and employment

Expanded list for special mortgage programs

In some cases, additional information will be required if these conditions are used by the borrower when applying for a loan:

1. Co-borrower's passport.
2. Certificate of income of the fellow resident.
3. Papers confirming additional income to the client account: certificate of pension accruals, tax return (income from private practice or individual entrepreneurship), lease agreement for real estate owned by the borrower, indicating the amount of payments, statement of profit (royalties), etc. .
4. Papers for real estate if it will be used as collateral.

Young family and maternity capital

For loans for the purchase of housing under preferential programs, such as Mortgage plus maternity capital and an offer for a young family, special certificates may be required that will reduce the interest rate.

What certificates are required to provide when using maternity capital?

Promotion Young family

State supported program

For clients who qualify for preferential conditions, there are developments that allow the use of government subsidies to repay part of the loan. In this case, the package of documents for a mortgage to Sberbank will include them. It can be:

• Certificate of an employee in a federal or municipal unit (state employee).
• Information about spouses, children (for participation in the development of the Young Family).
• NIS participant certificate.
• Certificate of availability of maternity capital (certificate and certificate of balance of this account).
• Papers confirming the payment of a one-time subsidy to improve living conditions.

If the client is ready to provide collateral or pay half the cost of the loan at once, he can not only count on more optimal conditions (for example, an increase in the loan amount), but also provide a minimum package of papers. Mandatory in this case include a passport and a second identity card. At the same time, it is no longer necessary to confirm solvency and employment.

Documentation for the property

Having submitted the information and filled out the application, you can begin to prepare a package of certificates on the property to Sberbank for a housing loan. It will be required after approval and about 2 months are given to collect it. It includes:

1. A home purchase agreement that must specify certain loan terms so as not to violate the rights of the lender.
2. Certificate of registration of the client’s right to own an apartment.
3. Extract from the Register regarding real estate transactions.
4. Written refusals of persons who may claim a share.
5. An expert's report indicating the price of housing.
6. Consent of the seller’s spouse to the alienation or evidence of the absence of his other half.

The list for housing under construction is somewhat different. Here you will need: a construction permit, agreements with developers, permission to put into operation, a preliminary investment or purchase agreement, a foundation agreement for construction, an estimate, a cadastral passport, the estimated value of the site, etc.

What needs to be submitted to the bank after making a positive decision on the application

If the client’s conditions are far from standard, this list should be obtained from a credit specialist so that all the features of the client’s situation are taken into account.

The second list also includes information about whether the client has the required amount to pay the first part of the loan. These may be:

• An extract from the client's account containing the required amount.
• Payments for payment of part for housing (construction).
• Confirmation from the real estate seller that he has received the required amount of funds.
• A report on the cost of housing that will be sold to pay for what is being purchased.

Conclusion

Be careful when filling out mortgage documentation at Sberbank - this will allow you to quickly and without nerves go through all the stages of obtaining housing for the type of lending you have chosen. The main rule to follow is that all certificates must be truthful. Any forgeries or inaccuracies may negatively affect the lender's decisions to grant a loan.