Was the page useful to you? Accredited developers of Sberbank Sberbank apartments from the developer.

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 commercial 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.

What if I receive my 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.

I was told that I should buy an apartment only from developers who are accredited by banks.
Since we are targeting Sberbank, we are interested in developers who are accredited by Sberbank and with whom we can work.
Where can I find a list of Sberbank partners who build economy-class housing in Moscow and the Moscow region?

Nelya, firstly, your information is incorrect - you can purchase an apartment in any building, that is, from a developer accredited by the bank or not. The only difference is that if the developer is not yet accredited by Sberbank, then the processing time for your loan application will increase, since it will take time to verify the developer. By the way, this is quite convenient for you, since you will no longer have the risk of buying an apartment from scammers.
Secondly, the list of accredited developers can be downloaded on the Sberbank website. Follow the link, find the special opportunities subsection on the right side of the window and there download the List of real estate objects under construction/constructed with the participation of credit funds from Sberbank of Russia OJSC.

Where can I find a list of accredited developers with whom Sberbank works?

It’s strange that they told you about accredited developers, but did not give them their contacts. Before you apply for a mortgage, you need to find out whether the developers’ prices are suitable for you or whether it might be more profitable to take out a loan from another bank to purchase an apartment from other developers. There are probably lists in Sberbank branches as well.

Where can I find a list of accredited developers with whom Sberbank works?

Dear Nelya!

The list of accredited partners of Sberbank - developers, insurance companies, appraisers can be found on the official website of this bank, and can also be obtained from any of its branches where there is a lending department. I also want to clarify that this information can be trusted even if you take out a loan from another bank. Sberbank sets high demands on its partners, so they are distinguished by reliability, credibility, high reputation and long service life in the market.

Where can I find a list of accredited developers with whom Sberbank works?

10 Mar 2012, 08:08

Where to find a list of developers accredited by Sberbank for the purchase of primary housing in Krasnodar

Where can I find a list of accredited developers with whom Sberbank works?

10 Mar 2012, 10:32

Dear Vladimirovna.

At the top of the page in the regions section, instead of Moscow, find the Krasnodar Territory, and there you can download a list of accredited developers.

Mortgage lending with state support at Sberbank began in May 2015. The task pursued by the financial institution was to help Russians purchase their own square meters at the lowest possible cost.

State subsidies continued until March 1, 2017. The founders of Sberbank have not yet given a specific answer whether the program will be extended, reserving the possibility of introducing the system again.

What is mortgage lending with government support?

By becoming a participant in the program, a solvent citizen of Russia with a permanent job and a stable income can count on the payment of a certain share of funds by the state, which, in turn, subsidizes the program proposed by Sberbank using money from the Pension Fund.

Signing a mortgage loan agreement, of course, imposes basic financial obligations on the debtor, but at the same time a preferential interest rate is offered - 11.4%, a decrease of 0.5%.

Taking out a mortgage from Sberbank is primarily beneficial for the borrower, but at the same time Sberbank supports development companies, because new buildings accredited by a financial institution become a prerequisite for purchasing an apartment. Purchasing housing on the secondary market is prohibited.

Conditions for participation in mortgage lending

If previously only needy families, for example, low-income families with many children, could take advantage of preferential mortgages, today the state is showing interest in supporting Russians, regardless of the social status of the respondents.

The only thing you need to remember is the mandatory conditions and requirements for participants valid until 2019 inclusive:

the down payment received from the borrower is 20% of the established cost of housing;
the loan can be issued for a period from 1 to 30 years;
the minimum loan amount is 300,000 rubles;
the maximum loan limit is 8,000,000 rubles for residents of the Moscow region and St. Petersburg, 3,000,000 rubles for residents of other regions of Russia. Such a large gap between different localities is associated with different levels of economic development and wages;
There is always the possibility of unforeseen events that may result in the inability of a bank client to repay a mortgage debt, for example, a layoff at work. For reinsurance, Sberbank requires the provision of collateral, which is in the form of residential space included in new buildings accredited by a financial institution;
it is impossible to do without taking out life and health insurance for the borrower, and this point is one of the most important and fundamental in the signed agreement (a borrower who does not renew the insurance, thereby “frees the hands” of the credit institution, which, in turn, now has the right to increase the interest rate to 12.4% per annum).

What type of housing is available for mortgage lending under the program from Sberbank

Housing included in new buildings accredited by the bank.
Multi-family real estate.
A newly built or under construction private house.
Townhouse with land.

What is real estate accreditation

The list of real estate that has passed state accreditation is presented on the official website of Sberbank. Accredited new buildings mean those approved by a financial institution, available options for consideration by potential borrowers and future apartment owners.

Accreditation immediately declares to the future owner that the bank and the state are responsible for the proper condition and quality of the constructed facility, being responsible for safety, timing of completion of construction and compliance with residential premises standards. Recently, in Russia, fraudulent actions by construction companies have become increasingly common; they abandon the process halfway and do not return money to their clients.

Sberbank and mortgage lending with government support exclude such an outcome, which means the borrower does not have to worry about the final result.

Base of new buildings accredited by Sberbank in 2019

The majority of applications for mortgage lending were received from Moscow residents, and this despite the rather high cost of square meters. But new buildings are also offered in other cities of Russia. In 2019, the full list looks like this:

Club house Brilliant House, located in St. Petersburg. Price per 1 sq. m of living space was established within the range of 200,000 - 355,000 rubles. The landscaped area includes recreation areas, and the apartments boast spacious rooms, glazed large loggias and balconies. For the convenience of the owners, there is a 2-level parking lot underground.
1 sq. m of the family residential complex "Mishino" in Volgograd is estimated at 45,000 - 50,000 rubles.
The Arsenal company offers new buildings in Center+ at a price per 1 sq. m. m from 57,500 to 87,500 rubles.
New apartments located in Nakhabino Square will cost from 57,000 to 62,500 rubles.
The construction company RusStroy is carrying out several large residential projects at once, the leader among which is Posad-Premier in Yaroslavsky, Moscow region. New buildings in this area will require cash investments from the future owner in the amount of 50,000 - 51,000 rubles per 1 sq. m. m. In return, property owners will be able to enjoy the amazing architectural design of the houses, underground parking, a green garden along with modern playgrounds.
Square meters in Park Tower, visually similar to 2 towers, were distributed in the price range of 95,000 - 100,000 rubles. The advantage of this residential area is its proximity to nature - the Aleshkinsky Forest and Butakovsky Bay are nearby, where it is convenient for Moscow families to go on a picnic.
The Sport-life complex under construction in Zvenigorod is located in the very center of the city. You can buy apartments designed for 1 living room, 2 and 3. There is a green area and a children's playground nearby, and the first floors are allocated for renting offices and shops. 47,000 - 51,000 rubles is an acceptable price for comfortable accommodation for Russians.
In Noginsk, consumers are invited to look at the apartments that are part of the new buildings of the Zakharovo-Park complex in the Moscow region; they cost from 52,500 rubles per 1 sq. m. m. Nearby are Glukhovsky Park and Sernogolovsky Pond, the beauty of which can be enjoyed at any time. The social infrastructure is luxuriously presented, there is a bus stop 200 m away, and a railway platform is 1.4 km away, allowing you to take transport and get to Moscow in a breeze.
Construction work on the arrangement of the Park Alley complex is in full swing in Krasnogorsk. The beauty of this area is that it is located in a park area, next to a large shopping center, beauty salons, medical clinics and a city hospital. In the courtyards there is a city museum; for children to relax, a 10-minute walk away is the children's leisure center "Fairytale".

Requirements for the borrower

Who can apply for a mortgage on real estate included in accredited new buildings?

An individual over the age of 21.
The maximum permissible age of a participant in the program for males is 60 years, for females – 55 years.
Availability of registration stated in the passport of the system participant.
Having a regular income.
Cumulative work experience – from 1 year or more.
If we are talking about the current place of work - from 6 months.

If the borrower wants to increase the loan amount, he has the right to hold the co-borrower liable, of course, with the latter’s consent. It is allowed to attract 3 co-borrowers at once; the spouse is considered the borrower by default. Therefore, it is necessary to obtain written consent from the other half, with whom the official marriage is concluded, to take out a mortgage. The exception is when a marriage agreement is concluded between husband and wife.

Where to receive and make loan payments

at the place of registration of the recipient of the housing mortgage;
at the location of the new building that the borrower has chosen;
at the place of accreditation of the company, which acts as an employer for the debtor.

At the request of a Russian citizen, Sberbank can issue a loan in one amount or gradually, in parts. These nuances are negotiated by the two parties and then specified in the contract. If you plan to repay the debt ahead of schedule, of course, this option is unprofitable for the financial institution, because it loses profit, but it is also possible.

The borrower draws up an application and indicates in it the following details:

your data;
the date when the application was written;
amount to be repaid;
the account from which the funds will be transferred to Sberbank.

Please note that Sberbank does not require payment of commissions if the loan is repaid on time.

Additional sources of loan repayment

Sberbank offers additional options for repaying a mortgage, for example, it’s a good idea to use maternity capital. To minimize expenses for an individual, a tax deduction can be issued equal to 15% of the money paid. The maximum possible tax deduction in 2019 is stated to be 2,000,000 rubles.

Today, a mortgage loan issued in one of the Russian banks is considered the most accessible of the existing options for improving existing housing conditions. The Russian mortgage lending market is actively developing and becoming more civilized every year. For example, at the level of federal legislation, measures are being developed to promote reliable protection of borrowers and financial institutions. In recent years, many consumers have been able to appreciate the advantages of mortgage lending issued by the largest bank in the Russian Federation, Sberbank, whose accredited new buildings are the most profitable option for every borrower. However, not all potential borrowers know what this term means. This is exactly what will be the topic of our article today.

A mortgage loan can be issued for an already constructed facility and for residential premises in a building that is under construction. In the second case, a more complex procedure is assumed when registering collateral, which is the acquired property. Because the the lender must approve the issuance of a loan in relation to the residential property under construction, where the borrower intends to purchase an apartment.

Accreditation of developers is a comprehensive audit of a construction company

Accreditation of developers by the bank is a comprehensive audit of the development company, in particular, checking the legality of the activities being carried out and analyzing the prospects for the construction of a particular residential building. During the accreditation process, it is possible to weed out insufficiently reliable development companies and significantly reduce all kinds of losses for the borrower, bank and construction company.

Accreditation regulations

Typically, the accreditation process includes two main points.

Audit of the financial reliability of the developer company

At this stage, the reputation of the construction organization and its “business dossier”, the number and quality of residential projects built and commissioned, are checked. In addition, reviews of consumers who have purchased real estate and the experience of partnerships between this developer and other credit institutions are carefully analyzed.

During the accreditation process, the bank checks the reputation of the construction organization and its “business dossier”

The financial stability and reliability of the developer company is verified based on checking current information from various sources that are freely available. Suppose, data on the persons managing the company and the authorities exercising control over its activities, the presence of tax arrears, participation in legal proceedings, the state of the financial statements and balance sheet, the risks of closure and bankruptcy, the presence of court decisions and open proceedings initiated by the FSSP, as well as other points.

Thus, financial statements must confirm economic sustainability for a period of at least 2 years. An advantage for a construction company is more than two residential buildings completed and put into operation in a timely manner.

Audit of the construction process and facilities

Accreditation of residential real estate under construction is carried out based on the results of general legal examinations, which are carried out in relation to the constituent documentation and relevant permits available to the developer company.

Accreditation of residential real estate is carried out based on the results of general legal examinations of constituent and permitting documentation

It definitely turns out does the developer have:

a certificate confirming the rights of ownership and disposal of the land plot where construction is taking place (ownership or long-term lease);
permitting documentation for construction work on a specific facility;
correctness of drawing up working documentation (project, estimate, etc.).

In addition, the financial institution visits to construction sites are organized, the stages and quality of the construction process are assessed. This is a mandatory part of the accreditation process, as at this point construction companies confirm the “viability” of the project.

It should be noted that each credit institution may set its own conditions. Let’s say that some financial institutions are checking the connection of the facility being built to communication networks. Some banks (usually not very large organizations) may require mandatory accreditation of a construction organization by one (or several) of the major credit institutions in Russia.

The bank organizes visits to construction sites, where the stages and quality of construction are assessed

Benefits of accreditation

We said earlier that in accreditation there are clear advantages for all parties to the mortgage agreement.

Benefit for the borrower (buyer of real estate)

By purchasing real estate accredited by Sberbank or another large financial institution, the borrower receives certain guarantees against existing risks. In addition, knowing which developers Sberbank works with, the bank’s client will not need to independently check the reliability of the developer.

When purchasing a home from an accredited developer under a mortgage agreement, more favorable conditions are provided

It is also important that in addition to guarantees, a potential owner can count on more attractive conditions under the loan agreement:

when purchasing real estate from an accredited developer, a loan can be obtained without additional collateral (guarantors, collateral);
in this case, the time for the creditor to make a decision is significantly reduced;
the interest rate on mortgages for Sberbank accredited construction projects is much lower compared to other mortgage products;
minimum loan size is 300 thousand rubles;
Mortgage loan repayment period up to 30 years;
It is possible to raise funds from Maternity Capital.

Benefit for the lender

In addition to making a profit from financial activities - receiving interest for issuing a loan, the bank, having carried out appropriate checks of the developer, receives the necessary guarantees that the facility will be put into operation exactly on time, and sometimes earlier.

At the same time, by offering the most favorable conditions under a loan agreement (mortgage) for the purchase of an apartment from accredited developers, the financial institution is expanding its customer base. And this is reflected in his reputation and rating.

Accreditation of a residential property has a number of important advantages for the bank and developer

Benefits for construction companies

For construction companies, accreditation allows them to increase sales - a huge number of consumers considering the possibility of obtaining a mortgage loan, give preference to companies that are included in the list of accredited developers Sberbank.

Accreditation, to some extent, allows you to resolve personnel issues - the organization does not need to have mortgage specialists on staff who are involved in attracting buyers, selling housing and processing mortgage agreements.

But it should be noted that accreditation does not provide an absolute guarantee of the reliability of a construction organization. Suppose that when a financial institution is connected with a construction organization with financial obligations (it is an investor), then it can look quite leniently at shortcomings in the work of the developer, which naturally leads to an increase in risks for the borrower.

Conclusion

In conclusion, it should be said that an accredited construction company is a reliable developer, which has been working in the field of housing construction for a long time, has acquired an excellent reputation and has more than one commissioned residential property to its credit. The developer delivers the properties exactly as scheduled and eliminates any deficiencies found in the residential premises. This happens quite quickly and without litigation in court.

The borrower should personally verify that the developer is included in the bank’s list of accredited developers

In addition, a financial institution is much more it is easier to audit the reputation of a particular developer than a consumer who is purchasing an apartment for the first time. That is why the register of accredited developers and the objects they construct allows you to minimize risks when drawing up a mortgage agreement.

But the buyer of residential real estate in a house under construction needs to understand that statements by employees of a construction organization, which relate to the accreditation of a certain object by several large banks, should not be taken as an established fact - it is advisable to verify this personally. This can be done by contacting a credit institution.

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