Application form for obtaining a housing loan from Sberbank. Sample of filling out a form for a Sberbank mortgage Sample of filling out a form

25.12.2021

Buy a home without attracting borrowed money bank is almost impossible, given the ratio of the high cost of real estate and the low level of income among the population. However, many people, especially young families, need their own living space, and they, in turn, give preference to housing loans from Sberbank of Russia. There are several reasons for this low rates and favorable lending conditions. Let's look at how to get a loan from Sberbank for improvement living conditions, as well as how to fill out the form correctly.

About banking offers

Sberbank has several mortgage products that differ in terms and rates. In addition, there are programs for individual categories population is military mortgage available to participants of the mortgage savings system. With the help of borrowed funds, the bank makes it possible to purchase finished or under construction housing, Vacation home or a dacha, in general, the bank took care of the client’s interests in full. And finally, depending on the chosen product, the bank takes an individual approach to lending to each borrower.

Let's consider a housing loan from Sberbank, terms and rates for loans:

For young families, this is a promotion in which a certain category of citizens can purchase housing under low percentage, namely from 11.25% per year, for a period of up to 30 years. The main condition for the borrower is to be at least 35 years old at the time of the loan.
New building promotion for the purchase of housing in a new building, rate from 8.9% per year if the developer is a bank partner, 10.5% for electronic registration of the transaction and 10.9% for other borrowers. Duration from one year to 30 years.
Mortgage with maternal capital, rates depend on the type of property purchased, that is, the primary or secondary housing market, on average they range from 10.9% and above.
Military mortgages are available only to participants in the mortgage savings system. Interest rate fixed 11.75% per year, amount not more than 2 million 50 thousand rubles, term not more than 20 years.
Country real estate for the purchase of a plot and the construction of a dacha or house. Rate from 11.75%, contribution from 25%, term up to 25 years.
Construction of a residential building is a targeted loan to pay for the costs of constructing and equipping residential real estate. Rate from 12.25%, term up to 30 years, contribution from 25%.

In addition, regardless of whether you plan to purchase real estate on the primary or secondary market, you have the opportunity to apply for a Sberbank home loan with just two documents. Here you will not be required to provide a certificate wages, only the down payment within the framework of this offer is not less than 50% of the cost of the property.

Please note that, regardless of the chosen lending program, the purchased property is pledged to the bank until full repayment debt.

List of documents for borrowers

Requirements for a potential borrower

Now let’s look at what you need to prepare if you decide to take out a home loan from Sberbank. Terms and documents from the borrower:

the potential borrower must have registration in the Russian Federation, permanent or temporary, which he can document;
a permanent source of income, it must be confirmed with a certificate in form 2-NDFL, and employment will have to be confirmed with a certified copy of the work book;
a positive credit history is the main confirmation of the client’s financial responsibility and his acceptable level of financial burden, that is, the absence of large obligations to other creditors;
attracting guarantors and co-borrowers to increase the loan amount and as security, they must also meet all the requirements of the lender.

Please note that depending on the borrower's data, the lender has the right to request additional documents.

Now about the loan application procedure. First, you should prepare basic documents and fill out a loan application. Also decide on the value of the property, and also make sure that you can pay part of its cost, that is, the down payment. It is not necessary to look for housing yet, because after reviewing the application, you will have two months to do this, that is how long the positive decision of the bank is valid.

Filling out the form

One of the important stages of applying for a mortgage loan is filling out a questionnaire; quite a lot depends on it; the bank carefully reviews it and checks the accuracy of the data left. Actually, a correctly completed application form is already a significant part of success; pay close attention to this issue. By the way, you can fill out the application at home yourself online or download the form on the website, then fill it out and take it to the bank, or come to a bank branch and leave an application with the help of a Sberbank specialist.

Sberbank application form: information about the borrower/co-borrower

Let's look at a sample application form for receiving home loan Sberbank:

in the top field you should indicate the last name, first name and patronymic of the borrower; if the data is filled out by a co-borrower, then you must first indicate the borrower’s data;
then indicate the last name, first name and patronymic of the person completing the form;
fill out the passport data section, indicate the series and number of the document by whom and when it was issued, if you have a foreign passport, then indicate this fact in the application form;
if you previously changed your last name, then note the date of the data change, as well as what last name you changed and for what reason;
in the contacts section you need to indicate all the phone numbers by which a bank employee can contact you, namely mobile, home, work, and others, if any, leave an email address;
the next two sections are education and marital status, put crosses opposite the desired line;
the next two sections are devoted to registration and place of actual residence of the applicant;
further, in the family section, indicate all members of your family, including children living with you, indicate their last name, first name and patronymic in full, and the degree of relationship, for this you need to put a cross next to the desired line;
the following paragraphs are devoted labor activity the borrower, indicate under what contract you work in what position and in what organization, the approximate number of employees, indicate the scope of your activity, seniority general and in last place;
indicate your expenses and income, main, additional and total of the whole family;
if you own real estate or a vehicle, fill out information about it in the form;
Next, you need to indicate the parameters of the loan that you would like to receive, namely the amount, purpose, for example, the purchase of finished or under construction housing, apartment, room, residential building, size own funds, that is, the down payment.

This is the basic information, at the end you need to provide some more information, such as whether you are a member salary project bank, receive a pension or social benefits. Do you want to receive credit card bank, if yes, then put a cross as a sign of agreement. By the way, if you qualify for the young family promotion, then indicate this, also put a cross in the appropriate section, but only on the condition that you have enough money to pay half the cost of housing.

Sberbank application form: information about the requested loan

Carefully study the terms of the loan and put a cross to indicate your consent to the processing of personal data. Don't forget to indicate your SNILS number. Finally, enter the date and time of filling out the document, your last name, first name and patronymic in full, as well as your signature.

Please note that the bank checks all the data provided by the borrower and co-borrower, so provide only reliable information.

Actually filling out the application will not be difficult, especially if you have previously taken out loans, filling out the application will be simple. By the way, if you indicate the loan amount, then take into account the fact that the bank calculates maximum amount so that loan payments do not exceed half of the borrower’s total family income.

For foreign citizens and stateless persons, the process of legitimizing their status as a Russian citizen is a long and complex procedure. One of its last steps is filling out an application for Russian citizenship. If you are at this stage, it means that soon you will be solemnly presented with the treasured passport Russian Federation.

From now on, you will be considered a full member of the society of the largest state in the world. Take the final part of the journey responsibly. Particular care is required when filling out the application form to obtain the status of a Russian citizen.

Each foreigner follows his own path to obtaining a Russian passport. Some went through the stages, then applied for it. Others decided, the presence of which gave them the right to speed up the process. Still others were able to prove that they would be useful to a developing state and entered the. Whatever path you take, the result will be obtaining Russian citizenship.

As at other stages of your formation as a Russian, at the last one you need to go through the already familiar path of collecting and processing documents. The most important and generalizing one is the application for Russian citizenship. It is subject to special requirements, failure to comply with which may result in all other documents not being accepted.

It is very important to take responsibility for filling out each item of the questionnaire. Otherwise, the stage that you have strived for so much and have been walking for so long may drag on indefinitely.

Requirements for the application form

In order for the package of documents to be accepted by employees, its main component - your application - must fully comply with the requirements of 2020. They are simple and clear. However, returns are not uncommon, so please pay attention to the following points.

The application for Russian citizenship in 2020 must be:

Compiled on a special form, which is provided to all applicants at the Main Directorate for Migration of the Ministry of Internal Affairs of the Russian Federation.
Written in the state language of Russia, that is, Russian.
Written in block letters or in capital letters.
No abbreviations or dashes.
Comprehensive and fully answering the questions asked about the applicant’s identity.
No corrections or cuts.

Corrective agents cannot be used. The document in which they were used will be returned to the applicant.

What to pay attention to when filling out

We recommend downloading a sample application for Russian citizenship in advance and studying it carefully. Some points require special consideration, since despite their simplicity, many applicants make mistakes in them.

Particular attention is required to paragraph 15, dedicated to the work routine of the applicant. The document must include information about your activities over the past five years. This includes not only the years and months spent actually at the enterprises where you produced something and received wages, but also what concerns training in higher and other educational institutions, as well as military service.

Clause 15 consists of three columns:

Dates of hiring and dismissal.
Positions held and names of enterprises.
Detailed addresses of employment enterprises.

Everything you have been doing for the last 5 years should be described in detail in each of the columns. If you did not do anything (officially), you need to put dates and write “did not study”, “did not work”.

When filling out this paragraph of the application for Russian citizenship, you need to take into account that the names are written not in today’s pronunciation if the enterprise has been renamed, but as it was at the time of the applicant’s work or training. When we're talking about O military service, you need to enter the location of the military unit, its name and position.

If the application is filled out by an individual entrepreneur, he must enter the number of the registration certificate of his company, as well as which body carried out this registration and where.

Pensioners should pay special attention to paragraph 16. The source of income is indicated as a pension and the basis on which the applicant receives it. This may be not only reaching the required age, but also disability or length of service.

Those filling out paragraph 26, devoted to bringing or not bringing a citizen to criminal liability, raise many questions. It should indicate only those convictions that remain outstanding at the time of drawing up the application.

Columns 22 and 29 do not need to be filled in.

At its core, a questionnaire is a citizen’s autobiography, revealing the facts of his birth and life. To avoid mistakes, you need to download a sample application for citizenship and practice filling it out so as not to get into an awkward situation when the information that is required from you is not included in the items.

Conditions under which an application is made

If you intend to become a citizen of the Russian Federation, keep in mind that the completed application form itself and all documents attached to it cannot be sent to the Main Directorate for Migration of the Ministry of Internal Affairs of the Russian Federation by mail, and there is also no provision for electronic sending.

The person whose name is included in the application must personally appear before employees of the migration authority and submit a package of documents.

If you live far from the place of filing and do not have the opportunity to appear in person at the Main Migration Department of the Ministry of Internal Affairs, the only alternative is to send a proxy. In this case, the power of attorney must be drawn up in accordance with the requirements, that is, not drawn up independently, but from a notary in the form and signed by him.

Under various circumstances, you can submit documents not only in Russia, but also in your homeland. There are two options to do this outside the Russian Federation:

Consular mission.
Diplomatic institution.

In Russia itself, the application and the accompanying papers are brought to the nearest Main Directorate for Migration of the Ministry of Internal Affairs.

What is important to know

Please note that changes are made to nationality laws from time to time. Before going to the GUVM with a package of papers, read latest editions migration laws. An application of a new sample, relevant at the time of application, is always submitted. You need to look on the Internet for an example of a questionnaire that meets the latest requirements.

Watch the video: what documents need to be submitted for citizenship.

Only citizens who are legally capable and of full age can apply to the Main Directorate for Migration Affairs of the Ministry of Internal Affairs and similar organizations.

Example of a certificate of absence of HIV infection

Certificate of proficiency in Russian and other compulsory sciences.

Sample certificate of Russian language proficiency

A receipt indicating that the required fee has been paid.

An autobiography does not appear on the mandatory list, but those whose desire to become a Russian led to the stage of applying for a Russian passport often have to write one. TO this document, although it is drawn up in free form, there are also special requirements.

What is an autobiography

When applying for citizenship, applicants often write an autobiography. This document can be considered special, since there are no rules for its preparation.

Watch the video: writing an autobiography correctly.

The life story is written on an unlined sheet in the style of the author and at his discretion. The only requirement that can be presented to a document by those for whom it is being drawn up is more detailed description some facts. There are also recommendations for those who have to write an autobiography, namely:

Maintaining the chronology of events, that is, everything is written in order, and not randomly.
Structure: first, the compiler’s full name, where and when he was born, then information about parents and close relatives.
The following data should focus on studying and then work. Information about a change in marital status, if it occurred during this period, can be entered between them.

Autobiography example

The compiler has the right, in addition to the above, to include events that, in his opinion, are important. We should not forget about the incentives and rewards received throughout life.

A questionnaire and autobiography, like no other document, characterize the person who compiled it. Therefore, they need to be treated with special responsibility. Before compiling, it is advisable to study the samples on our website.

Director of LLC "Center for Legal Defense", judicial lawyer, has a higher legal education.

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Where else to go

Yulia Alekseevna!
Can I, a native of the RSFSR (on this moment citizen of Ukraine from the Donetsk region), having a residence permit and registered in Saratov region(from my brother), apply for citizenship in Novorossiysk, where my daughter lives?

Good afternoon Please tell me, I want to apply for Russian citizenship by marriage, but my husband won’t give me his passport and refuses to go to the International Medical Center, but I have a copy certified by the authorities, will they accept my documents? 2. I can also submit documents as an RN, there is a decision of the commission, but the income
Over the past 5 years, I have not been officially employed, I have not worked, but I have had unofficial part-time jobs, what should I indicate there? 3. I submitted documents to renounce citizenship but wait, but they will give an answer in a year. Can I provide the IMC with a nationally certified renunciation of citizenship?

Hello, can I contact you: my husband and son are planning to move under the program for relocating compatriots abroad. When moving, we need temporary registration to receive a temporary residence permit stamp, and then re-registration to apply for citizenship. We are going to register at a relative's house, where we will subsequently live. Is it possible to immediately make a permanent registration, before affixing the RVP stamp?
And the second question: There are 2 points in the statement that I do not understand. These are points 5 and 23 of the statement. The question in the fifth paragraph of the statement is:
5. Do you have a valid document confirming the right to reside in a foreign country?
(if yes, then indicate the name of the foreign state, type of document, its number, by whom and when issued)? Is my national passport registered at this point, or do I need to write I don’t have one?
And question 33 points is: Identity document
(if available, indicate the type of document, its series, number, by whom and when it was issued; if the document is missing due to its seizure or loss, indicate by whom and when it was seized, where and when it was lost), a foreign passport or national passport is indicated here. The fact is that in our republic there are 2 passports. National ID card, and civil (foreign passport). In what case and which one should be indicated in the application?

Hello, Yulia Alekseevna!
At the moment, on the website of the Ministry of Internal Affairs of the Russian Federation, the application is divided into two statements! Do we just fill out two applications, or can we download yours?

Hello, Yulia Alekseevna! Yes, at that time we had old USSR passports. I simply checked out in St. Petersburg and upon arrival in Tashkent, I registered in Tashkent and then, after some fairly long period of time, our old passports were replaced with new passports of Uzbekistan. My father asked me to move, since he was already was sick and someone had to take care of the housework. Currently, there are no relatives left in Uzbekistan. That's why I moved to Russia. I received a residence permit in Russia. Somewhere on the Internet I found information that those foreign citizens who previously lived in Russia for three years or more have the opportunity to restore Russian citizenship.
Hello, Yulia Alekseevna! I am a citizen of Uzbekistan. In 2020 he received a residence permit. In the period from 1985 to 1992. I lived and worked in St. Petersburg. I had a family that currently lives in St. Petersburg in my apartment. I am divorced from my ex-wife. In 1992, I went to Uzbekistan to visit my parents. In 2019 I returned to Russia. Do I have the opportunity to restore my citizenship in Russia on the basis that I lived in St. Petersburg from 1985 to 1992 and if so, what supporting documents are required for this?
Hello, Yulia Alekseevna! I am a citizen of Ukraine. In May, I received a residence permit on the basis of being a native speaker of the Russian language (when submitting documents for a residence permit, I was required to have a notarized copy of the application for renunciation of citizenship, a postal receipt confirming that the original had been sent to the embassy, and a list of the attachments). When applying for Russian citizenship, I am again required to submit the same documents on renunciation of citizenship. What should I do? I've already done this once. Should I refuse again and send again?
I was born in 1961, studied and graduated from college in the Urals in 1984. I was assigned to Lithuania. In 1991, Lithuania left the Soviet Union. There was zero option to take a Lithuanian or Russian passport. I chose Lithuanian. In 2001 he left for the UK. Lithuania does not recognize dual citizenship. In 2018 he received a British passport. Can I get a Russian passport without giving up my British passport?
I'm not going to move. My mother (82, blind for the last 20 years) lives in the Urals with my younger sister and is being held by force (her passport expired in 2003). I would like to bring my mother to England with me.
Good afternoon, I graduated from the university of the Russian Federation, I want to obtain citizenship, I’m not working yet, can I apply for citizenship?
And does a diploma help with citizenship or not?
Hello, please tell me how to fill out paragraph 17 of the citizenship application (source of livelihood)? My daughter and I are dependent on our uncle, because... My husband is currently unemployed; before this, we filled out this item in accordance with the data from my husband’s work.
Thank you in advance!)
Hello! I have a question: how to fill out paragraph 25 of the application for citizenship? I am 61 years old. two sons are citizens of the Russian Federation. and I have a residence permit. I looked at writing samples on the Internet, this item was not filled out there. Thank you.

What should I write in paragraph 8 of the application for citizenship so that the field does not remain empty if I have the status of LBG and do not have citizenship of another country?

Hello! Please tell me what to do? I have a residence permit and am collecting documents for citizenship. I printed all the applications for money (the FMS has such services). I have sisters - I indicated this in the application for temporary residence permit and residence permit. Now I came to print my citizenship application there, and she told me that they don’t have any sisters. They said don’t enter it in, otherwise it won’t be a coincidence, they weren’t there, and then they appeared.
Hello. in the income statement entrepreneurial activity what amount to put from the declaration (I have income minus expenses) should I indicate the full amount of income or already with expenses deducted?

Hello. Can you send to my mailbox the form of Appendix No. 9 to the Regulations on the procedure for considering issues of citizenship of the Russian Federation for native speakers of the Russian language? Or tell me where I can download it

Applying for a mortgage from Sberbank to purchase housing is a rather serious step that requires a reasonable approach. You not only need to choose a lending program, write an application for a mortgage, collect Required 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, to such big deal, most likely, you will have to attract guarantors or provide 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 annoying 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 surname, 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 the bank refuses mortgage lending due to the borrower’s half-empty questionnaire. You're asking enough a large sum, associated with 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. It is also necessary 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 organisation develops its own individual application form, which is required to be filled out by a potential borrower.

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, after printing it out, or in in electronic format. 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 also need to 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 the 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.

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.
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 may 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 mortgage issued only before its expiration.

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 questionnaire 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.

Chapter monthly income– this 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 salary card, 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 this is what you will contribute later monthly fee for the loan and manage the remaining amount of 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 provide 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 operators cellular communication for additional verification;
authorize the bank to check your credit history, indicating the Subject Code credit history(find out in advance) and tick 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 on 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, plastic cards Sberbank, bank account number, passport of housing or vehicle (for filling out information about the 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

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 mobile phone(for example, hearing impairments), then only then is someone else’s number indicated - however, it is worth understanding 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 kept in mind that home phone at the address of residence and registration address must be stationary. 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 specified 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 credit product. Here you can also specify additional parameters for different types loans - information about availability preferential terms(for example, a young family) or the value of the property and size 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 you need to transfer credit funds.
The client’s signature is also placed here.

Types of Mortgage Lending

Option housing loan You should choose 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 the 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

When submitting an application for a loan under any lending program, a financial and credit organization (in this case, Sberbank) has the right to require the client to provide comprehensive information about himself. Sberbank application form for obtaining a loan: sample applications and forms containing personal data, characteristics and other conditions are available for study below.

The procedure for filling out a loan form at Sberbank

This form is a six-page questionnaire that allows you to submit a loan application form. 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 made in writing or printed form. The main thing is to enter all the information without missing a single section. 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 questionnaire you should provide comprehensive information about yourself, and only on the last page choose credit program, indicate the loan amount. The sixth page includes the following columns:

loan size;
currency;
maturity;
loan purpose: for consumer needs, for the purchase of real estate or a vehicle;
additional loan parameters: standard option, secured, with guarantee. You should also write detailed information about the purchased housing or car: cost, year of construction or manufacture, etc.;
current account for obtaining a loan.

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

It is best to fill out the form according to a single template, signing in the right places:

after filling out pages with personal information;
after choosing a loan program;
signature confirming the relevance of the specified information.

(downloads: 1089)
View online file:

What documents are needed to apply for a loan?

The loan application form can be obtained at a bank branch or through Internet banking. 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 it is difficult to fill out the form, it is best to contact the bank manager, taking with you the above package of documents.

Procedure for filling out the form

The following fields should be filled in:

on whose behalf the application comes: from the borrower, authorized person, guarantor.
personal information (passport data). 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 must also be indicated;
place of work, position, length of service, employer data. Wanting to get a loan under the program for individual entrepreneurs, the corresponding item should be noted;
salary, additional sources income, family budget, regular expenses (repayment of other loans, alimony, rent, etc.);
information about any real estate or vehicles owned. If the house or car belongs only to, for example, the father, there is no need to indicate it;
if there are salary or pension cards Sberbank, please indicate this.

After filling out all the items, the information must be carefully double-checked. The client is responsible for providing Sberbank with inaccurate data. back to 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. The completed form is sent via the service’s feedback form.

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 size is also provided. Money to pay the first installment.

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 number 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 work activity and receive brief description from HR department employees or directly from the manager.
Married status. Married couples are considered more responsible.
Do not hide existing ones 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 unreliability of the applicant.
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 with salary using online calculator Sberbank.

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 registration of her 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 and so on.
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, building a house, obtaining a housing loan secured by existing housing.

The specific purpose 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 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 Pension Fund, to the employment center, to become familiar with the reason for applying 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 questionnaire to an employee, you should wait while he checks whether all fields are filled out, asks clarifying questions if necessary, and checks the availability mandatory papers, and will mark 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 answer for a long time, it is better to call 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.