Have you made a decision to buy an apartment, but are confused? Housing is necessary, but how to choose "the one"? This is a responsible step, because the purchase of an apartment is often accompanied by a mortgage, which will have to be paid for several decades.

It is also important that real estate purchased with a mortgage is quite difficult to exchange or sell. Therefore, you will have to put up with an ill-conceived layout or noisy neighbors.

But there is a way out of this situation - use the list of new buildings accredited by Sberbank.

What are the advantages of accredited new buildings for the buyer?

Important! If a residential building was put into operation, it is no longer considered a new building. Despite the fact that the apartments are still empty, the construction is at the final stage, this is already secondary housing.

Consequently, when applying for a mortgage, other conditions and interest rates will apply.

A new building is a house that has not yet been recognized as habitable by the relevant government authorities. It can be a foundation pit, a concrete box or a house at the stage of finishing work.

Will it be completed? Will they be allowed to live there? How to make the right decision, because the monthly payments are large, and there will be no second chance? Sberbank knows the answers.

Important! Sberbank's accredited developers are reliable construction companies, which have been on the market for many years, which hand over construction projects on time and eliminate the inevitable shortcomings of residential premises quickly and without litigation.

It is much easier for the largest bank in our country to check the reputation of a developer than for an average person. Therefore, the base of accredited new buildings of Sberbank allows you to minimize the risks when buying a home.

Why are accredited new buildings beneficial for the bank?

Will a commercial financial institution, without profit, check the reliability of construction organizations? Why would he? It's about mortgages. After all, it is a loan secured by housing. If there is no housing, then there is no collateral.

Consequently, the bank has no guarantees that the issued credit funds will be returned to it. Interest rates of any size cannot protect credit organization from losses if the borrower loses a highly paid job, and he has no collateral.

Therefore, it is extremely important for the bank that the property be handed over on time or ahead of schedule, and also that the residential building be in good condition for the entire period for which the mortgage is issued. Therefore, the interests of the bank and the borrower coincide.

Important! The list of accredited new buildings prepared by Sberbank is not a way to limit the rights of the buyer, but a way to reduce the borrower's expenses for renting other housing due to shortcomings in the apartment issued on credit.

Features of acquiring housing in an accredited new building

They are positive and are reflected in the following:

Reduced interest rate, which in about 1 year allows you to save up for 1 monthly payment;

Prompt approval of the loan - the developer has already been checked, it remains only to check the borrower;

New buildings accredited by Sberbank are the confidence that housing will begin to please in a short time, and the joy will last for many years.

The bank, in contrast to cases of buying non-accredited real estate, does not put forward additional requirements. Thus, the borrower's concern is to provide housing with warmth and comfort, and Sberbank's concern is to help purchase this housing.

For many Russian companies an important aspect is the participation in state electronic auctions. But only a few people know that in order to become full participants in these auctions, an enterprise needs to undergo special accreditation.

Since only accredited organizations get access to the personal account of trading platforms, and there are only 5 of them in Russia, one of which is a subsidiary of Sberbank. And the owners of numerous companies are interested in the issue of accreditation at the Sberbank-AST ETP. Below is a step-by-step guide that will help you understand the correct passage of accreditation.

Many domestic companies wish to take part in the electronic auction for the placement of government orders. However, in order to move into the category of full-fledged permanent bidders, you need to be accredited at the State Electronic Trading Platform (GETP). Only an accredited company will have access to a personal account at each GETP and become a full-fledged participant in the placement of government orders, having the right to submit applications for participation in the auction.

Accreditation for legal entities

According to the regulations of the electronic trading platform for accreditation at Sberbank-AST, in order to participate in the auction, a legal entity must submit the following package of documents:

• A copy of an extract from the Unified State Register of Legal Entities with a limitation period of not more than 6 months (for all organizational and legal forms).
• Copy of founding documents: agreement and charter (for limited partnerships).
• Originals and copies of documents that confirm the authority of a person to obtain accreditation: if the application is submitted personally by the General Director, then the protocol of appointment to the position, if the application is submitted by an authorized employee, then the power of attorney of the General Director, which was prepared in accordance with the requirements of Article 186 of the Civil Code of Russia.
• Copies of documentation confirming the powers of the head: a protocol approving the appointment of the powers of the head, an order on the appointment of the head.

Budget institutions

To accredit Sberbank, the following package of documents is provided, which is standard: documents to confirm the powers of representatives, an extract from the register, and a charter. In addition, in accordance with paragraph 8 of Article 41 of the Law on Placement of Orders, in order to obtain the status of an accredited participant, a company must present a decision on the completion or approval of transactions based on the results of auctions.

For major transactions under the Community Charter, decision-making bodies may be:

• The body that exercises the powers and functions of the founder for non-profit organizations.
• For an LLC, this is the board of directors, the supervisory board, or general meeting participants.
• For unitary enterprises, this is the founder/owner of the property.
• For PJSC, CJSC, JSC, OJSC, this is the board of directors, the supervisory board or the general meeting of shareholders.

When making a small transaction, the decision is made by the person authorized to obtain accreditation (the head of the company or by proxy).

Attention: the decision on the transaction must include approval in electronic form for its completion based on the results of auctions and the maximum possible amount of such a transaction in rubles.

IP accreditation

Now we will consider how to get accreditation at Sberbank for an individual entrepreneur. An individual entrepreneur, in order to participate in the auction, must submit the following package of documents:

• a power of attorney, including the authority to participate in electronic trading and obtain accreditation, if any other person applies from the IP;
• a copy of the USRIP extract with a limitation period of not more than 6 months;

In case the application is submitted by individual entrepreneur, he indicates in the section on the full name full name. and type of activity.

Carrying out accreditation for an individual

With regard to this procedure for an individual, the bank selects Sberbank accreditation assessors on an ongoing basis. To apply and become an accredited bidder, an individual must submit:

• a power of attorney, including the authority to participate in electronic trading and obtain accreditation, if any other person submits an application from an individual;
• a copy of the certificate of status registered with the Federal Tax Service;
• copies of identification documents.

Important: in the section on the full name, you must indicate the full name. individuals.

Duration of accreditation

According to the legislation on bidding, the operator considers the application for accreditation no more than five working days, after which the bidder will be sent a notification of the decision that has been made. There is also a paid service for accelerated accreditation at the ETP. The standard accreditation period is 12 months, however, due to certain circumstances, the period may be extended up to 3 years.

The maximum accreditation period for Sberbank is 3 years. 6 months before the end of the term, the operator sends a notification to the bidder.

Attention: before the end of the accreditation period (three months in advance), the submission of applications for electronic auctions will be blocked and the system will send a reminder once a week that it is necessary to send documents for accreditation renewal.

To fill out the application form for re-accreditation, you need to log in to the site’s personal account and select the application for accreditation for a new period in the menu.

In the case when the time for renewal has not yet come, the system will issue a message to the user with a notification, which will indicate the date of expiration of accreditation and a proposal to undergo a second one six months before the end of the period.

For participants, passing Sberbank accreditation and direct participation on the site costs nothing, since such operations are absolutely free for them. But the modern market of services includes many companies that offer accreditation without your direct participation. Of course, such services are paid, estimated from one and a half to two thousand rubles.

Documents required for accreditation

To pass accreditation, you need to have an electronic signature, since the bidding system does not provide for work without it. Any company employee who wants to become a full-fledged bidder can receive an electronic signature.

A legal entity must submit documents for accreditation at Sberbank from the approved list below:

• power of attorney for the person involved in accreditation;
• a digital copy of the Unified State Register of Legal Entities of the certificate;
• a scanned copy of the document confirming the appointment to a managerial position;
• a digital copy of all constituent papers.

An individual entrepreneur must submit only two documents:

• identity document;
• extract from the EGRIP.

Important: there are rules for all documents, according to which they must be easy to read, correct, correctly oriented and readable. For each document, a separate file must be created and attached, which does not exceed 16 MB.

Step-by-step instructions for accrediting a company with Sberbank

First of all, in order to apply for accreditation in the status of a bidder, you need to collect a package of documents from the list approved by the site and prepare their electronic versions in accordance with the requirements of the ETP. In addition to the documentation, there must be an electronic digital signature.

EDS (electronic digital signature)

Each potential bidder, in order to be accredited on the Sberbank site, must prepare an EDS in advance, since in its absence the system will not be able to perform any actions due to the technical features built into the program. EPC can be obtained by any employee of the organization who has the appropriate power of attorney.

Applying for accreditation

To apply for accreditation, follow the action plan below:

• we open ETP "Sberbank-AST";
• select a section for participants and a subsection for registration;
• select the form of the auction participant and click the submit application button;
• fill out an application for accreditation;
• attach the necessary documents;
• we sign an agreement with the ETP "Sberbank-AST", put a tick in the box about the desire to register on trading platform universal and press the button for signing the “Framework Agreement” section;
• enter the captcha, confirming that the operation is performed by a person, not a robot;
• Click "Sign" and "Submit".

After sending the application, a message will be sent to the mail containing a request to confirm the specified email address by clicking on the link and entering your personal account. After the login is completed, you will need to enter the activation code specified in the letter. The procedure, when the letter has already been received, is as follows: follow the link, enter the password and login specified during registration, indicate the activation code, click sign and save.

After that, the application will be sent to the site operator for verification. Confirm Address Email within ten days, otherwise the application will be considered spam and rejected.

Features of the passage

In accordance with the legislation of the Russian Federation and the internal regulations of the site, the ETP operator considers an application for accreditation of Sberbank within 5 working days. Early consideration of the application is possible in the case of a correctly completed form and documents prepared according to all requirements. Otherwise, the application may be rejected, and the user will be forced to re-assemble the documentation, correct errors and wait again until the application is considered.

After the platform approves the application of the bidder, a message about the consideration and confirmation of accreditation will be sent to your email address. The message will contain the number of the account, which is assigned for conducting electronic transactions in auctions that are open. In the personal account there will also be a letter confirming the passage of accreditation.

From this article, we learned how to get accreditation for Sberbank-AST, what documents are needed for this, how to get accreditation for individual entrepreneurs and to an individual and also considered step by step instructions accreditation procedures.

When buying a home with a mortgage, the Sberbank borrower is faced with the choice of an expert who evaluates this property. The list of organizations accredited by Sberbank for assessing real estate for mortgages is presented in our article in the form of an archive. Whether an expert report is needed, what makes up the price of services and which accredited organizations to apply to, we will tell further.

This is an independent examination of the liquidity of a property purchased under a mortgage loan. An appraisal is needed to determine the exact amount of a home loan.

The expert's report should include the following information:

• basic data on the acquired object;
• photographs of appraisal housing;
• copies of documents in accordance with the list;
• liquid value of housing.

Important! A standard expert evaluation report contains 27 to 30 pages of typed text, certified by a signature and a blue seal.

Criteria for evaluation

The organization evaluates real estate for Sberbank according to the following criteria:

• area of ​​the object: the ratio of residential and non-residential area;
• the location of the apartment: the middle or the corner, the presence of walls adjacent to the neighbors;
• the number of storeys of the house and the floor on which the apartment is located. The first and last floors are priced cheaper, apartments on the middle floors are in great demand;
• repair of communications: old pipes, lack of water and heat meters significantly reduce the cost;
• the presence of a balcony (loggia);
• the presence or absence of a pantry;
• repair or lack thereof;
• infrastructure: preschool institutions, educational institutions, public transport stops, proximity to the metro, shops and supermarkets, highways, etc.;
• year of construction and commissioning of housing: the older the house, the lower the cost;
• remoteness of the property from the city center, settlement.

Housing Appraisal Methods

Property appraisal is carried out in several ways:

• comparative: transactions similar to the future are analyzed; the price of the analyzed objects is known to the expert, the result will be as accurate as possible;
• costly: analyzes the possible costs associated with the improvement of the purchased housing, this includes the cost of materials and services;
• income: analysis of the possible increase in the cost of housing in the future when selling (the method is not often used due to complex determination tools).

Important! The expert independently chooses the evaluation method and takes into account the characteristics of the object, which will not change for a long time. The evaluation period is up to 5 days.

When an Appraisal is Needed

An expert appraisal of a property is carried out in the following cases:

• transactions of any complexity with housing: sale, donation, purchase, exchange;
• housing insurance;
• obtaining a mortgage loan, where housing will become collateral until the end of full settlements with the bank;
• a transaction contested in court;
• inheritance as a result of the death of the owner;
• damage to housing for various reasons.

List of organizations accredited by Sberbank

Why is it worth choosing those organizations that are included in the register of appraisers - partners of Sberbank?

• All appraisal companies accredited by Sberbank have been audited, and their activities comply with the legislation of the Russian Federation.
• Evaluation reports are prepared in accordance with the internal regulations of the bank and meet its requirements.
• Compliance with the stated conditions allows you to speed up the process of obtaining a mortgage, since the examination is not sent for revision.

Rating of companies working with individuals and legal entities accredited in 2019 can be found on the official website of the bank in the tab: private clients - mortgage loans– list of appraisal organizations. Save the file for easy selection.

Important! Above peer review land plot a certified suburban real estate expert with experience working with country houses, dachas and cottages.

This file provides information on organizations operating in medium and large cities throughout Russia:

• Moscow;
• St. Petersburg (St. Petersburg);
• Ekaterinburg;
• Krasnodar;
• Chelyabinsk;
• Novosibirsk;
• Kazan;
• Permian;
• Omsk;
• Samara;
• Syktyvkar;
• Voronezh;
• Krasnoyarsk;
• Nizhny Novgorod;
• Yaroslavl;
• Tver;
• Rostov-on-Don;

Documents for apartment appraisal

The prospective borrower submits the following list of standard documents to the appraisal company:

• passport of a citizen of the Russian Federation;
• cadastral passport of the property;
• technical passport of the property, floor plan and explanations to these documents;
• documents confirming the ownership of housing;
• for new buildings - an act of acceptance and transfer of housing, for the secondary market - a document - the basis for acquiring ownership (agreement of exchange, purchase, donation, etc.);
• documents on the absence of encumbrance (arrest, pledge of property).

Important! Documents are submitted in original with copies attached for each sheet.

Each examination case is individual. To find out the exact list of documents, contact the organization in which you plan to do the work.

After examination of the documents, a contract for the provision of services is drawn up in two copies and a report is issued to the customer in person or by proxy.

How much does it cost to appraise an apartment for a mortgage in Sberbank

Accredited appraisal companies set a price in the range of 3500-5000 rubles for Moscow and the Moscow region, in the regions the cost is slightly lower (from 2500 rubles). In partner companies of Sberbank, the cost is higher than in non-accredited organizations, which is a guarantee that the document will be accepted without making additional adjustments.

Validity period of peer review

The cost of the object specified by the expert is considered relevant for six months. This period is established by the legislation of the Russian Federation. After the expiration of this time, the examination is carried out again (if necessary).

At the time of this writing, there are no changes in the Legislation related to the period of validity of the examination.

What determines the cost of the appraisal

The price of expert services depends on:

• the region in which the organization is located: in the capital and St. Petersburg, the price is higher than in the regions;
• the length of service and reputation of the organization;
• availability (absence) of a license of a self-regulatory organization and fees;
• insurance or lack of insurance of the expert's activities.

Important! Organizations - partners of Sberbank meet the requirements: they have SRO licenses, they have insurance and a liability policy of 300,000 rubles.

How is the evaluation procedure

Accredited appraisers of Sberbank carry out the examination procedure in stages:

• Choosing a company by the borrower, an application for an expert assessment.
• Examination of documents submitted by the borrower (each document is carefully examined by experts).
• Housing liquidity analysis.
• Inspection of the property. The expert goes to the place on an individual basis, takes photos and videos. An intermediate protocol (in case of illegal redevelopment) is carried out as needed;
• Preparation of a detailed report: the document is stapled, numbered, signed by the responsible person, manager and certified with a blue seal.
• The report is sent to the client for delivery to Sberbank.

The report contains one of the following ratings:

• Fine;
• Good;
• Satisfactorily;
• Unsatisfactory;
• Unsuitable.

Conclusion

Determination of the expert assessment of real estate for mortgages in Sberbank is carried out by companies included in the list of appraisers - partners of Sberbank. You can find the register of partners on its official website. The advantage of applying to organizations accredited by the bank will be the compliance of the expert opinion with the legislation of the Russian Federation and the requirement of the credit institution.