House click mortgage personal account. Mortgage Domklik from Sberbank - login to your personal account

25.07.2023

The largest domestic banking organization is actively developing its own services by concluding partnership agreements with large companies. This policy allows us to attract new clients via the Internet by introducing modern software and technical developments. New development of DomClick – personal account Sberbank and the partner service of the same name, aimed at working with mortgage lending.

The solution gained demand among customers in 2019 due to its ease of use and functionality. In this material we will look at:

features of the project's functioning quick sale real estate;
completing the registration and authorization process on the official website;
benefits from the use of co-branded mortgage rates;
overview of the main options and study of user reviews based on real use experience;
working with a loan calculator that allows you to quickly calculate the interest rate.

"DomClick" from Sberbank - mortgage and user's personal account

The Domclick ru project is a development of Sberbank and its partner of the same name, which includes a functional search for real estate and quick synchronization with your personal account. You can register in the system both as a client and as a seller, which significantly expands the basic capabilities of working with the system.

Considering the Ipoteka section, we can distinguish the following sections:

description of current tariff plans, which will allow you to decide on the most suitable option, preview the interest rate, list of required documentation and other conditions;
online consultation by qualified staff banking organization, where you can get a detailed answer to your question and find out the maximum possible amount;
expanded information base, divided into thematic sections. In just a few clicks, the user gets access to studying a specific issue.

It can also be noted that there are a number of additional services, the ability to register and authorize in your personal account and a modern panel for selecting property according to specified criteria.

Personal account "DomClick" from Sberbank - client login and registration

Full use of the functionality becomes available only if you have a registered account in the system. The DomClick personal account from Sberbank combines its own database and the Sberbank Online service, which greatly simplifies further interaction with key features.

SberbankOnline is a universal personal account, access to which can be obtained completely free of charge in accordance with the official policy of distributing modern technical and software capabilities. To register, it is enough to become a client of the bank by issuing a debit or salary card, loan, deposit or using other services.

To register in the system you will need a Russian SIM card and a valid plastic card. On mobile number V mandatory the service must be activated Mobile bank", regardless of its functionality package. Only there you will be able to receive an SMS message with a confirmation code. Enter your card and phone number in the appropriate field, agree to the terms and conditions and click on the “Registration” button. After confirming the actions, you can begin further work with Dom Click.

Authorization is simple - enter your phone number and password in the form provided, and click the “Login” button. If everything is done correctly, you will be redirected to the appropriate functionality management page.

Who can use DomClick from Sberbank on ipoteka domclick ru

As stated earlier, both potential buyers and sellers can work with real estate. The control panels in such cases differ, and realtors must register separately. Having access to a special menu, the seller can not only put his own home up for sale, but also contact bank employees to conclude a partnership agreement, which is especially important for developers.

Classic borrowers, immediately after passing authorization, can use the advanced search for apartments, fill out a request and application for the provision of services.

Functionality of the real estate center from Sberbank

“Real Estate Center” is the main section of a modern project, where you can choose the right apartment. To do this, follow the following procedure:

Select your region of residence and the type of housing you are purchasing. Mortgage offers support the purchase of new buildings and resales;
Enter your desired location. This could be either a specific street, or an area or the surrounding area of a metro station;
Enter additional settings: the number of rooms in the apartment, estimated cost, number of floors, area, year of construction and other criteria can be set at your request;
Click the “Show” button, after which the Domklik system will automatically sort the available options.

Having chosen the solution you like, you now know the required amount to obtain a loan. Chapter " Online consultations» also suggests filling out the necessary forms and sending a request to a bank specialist. This way you can choose the best tariff solution, find out the chances of receiving funds and navigate the amount of the down payment.

Mortgage Sberbank "Dom Click" for secondary housing in Russia

The purchase of secondary housing does not lose its relevance. An expanded database of such offers will allow you to comfortably select your area of residence and specify price criteria. You can designate as a functional addition to Sberbank's Domklik mortgage a calculator that allows you to quickly calculate monthly installments, select the optimal loan repayment terms and get acquainted with some tariff solutions.

The calculator functions stably both on the corresponding page of the official website and in the form mobile application.

Sberbank launched the Mortgage Online service on the DomClick website in all regions of Russia. The service allows you to submit an application and receive approval mortgage loan and real estate online.

Using DomClick, the client can go through all the stages remotely and come to the bank only once - for a transaction. To take advantage of all the advantages of the service, you just need to install the DomClick application from Sberbank, or use the website of the same name www.domclick.ru.

“Previously, the service for submitting electronic mortgage applications was available only to the bank’s partners - real estate agencies and developers. Sberbank cooperates with more than 20 thousand such companies throughout Russia, emphasized the director of the department for work with partners and mortgage lending Sberbank Nikolay Vasev. - Sberbank issues 65% of mortgage loans with the participation of partners. We expect that the majority of clients who contact Sberbank directly will use the convenient online service from Sberbank’s partner.”

What is DomClick from Sberbank?

After approval of a home loan, borrowers receive access to the DomClick Personal Account from Sberbank (formerly Parline), a service for purchasing real estate with a mortgage. It allows you to formalize any type of cooperation: between everyone - buyers, developers, real estate agencies and credit institutions/banks.

You will not need to visit banks and real estate agencies frequently - the service is designed to arrange cooperation as quickly as possible and at the lowest cost.

Using the DomClick service you can buy for a mortgage:

Finished housing on the secondary market;
Apartment in a new building;
Decorate a country house;
Take out a mortgage to build a house;
Refinance your mortgage with a higher interest rate;
Take advantage of a military mortgage;
Get a mortgage with government support for families with children.

The borrower comes to Sberbank only for registration loan agreement, other services are available online.

Advantages of the service from Sberbank

Select a realtor based on real reviews and ratings,

Find an apartment in an accredited new building,

Approve real estate with Sberbank online,

Control the stages of the transaction.

Who can use the DomClick service from Sberbank?

Bank clients, developers and real estate agencies.

DomClick personal account

Login to your personal account DomKlin

How to install DomClick on Android

How to install the DomClick application on iOS

Download the DomKlik application in the AppStore: https://itunes.apple.com/ru/app/id1143031400

How to download DomClick for iPhone or iPad

How to get a mortgage with the DomClick service

When you complete the registration procedure and confirm your account, you need to log into your personal account on the website or in the DomClick application. You will see that the "apply" button is available.

Fill in all the information the system asks for. The most important thing is not to confuse anything, answer all questions correctly, since everything you write will be checked by the Sberbank security service. If something is indicated incorrectly, the application will be rejected.

Education received
Marital status
Are there any dependents?
Have you changed your last name/first name/patronymic name?
What is your source of income
If you employee, you must indicate the contact phone number of your immediate supervisor
How long have you been working in your last place? work experience over the past five years
Official income, which you can confirm with a 2nd personal income tax certificate. If you individual entrepreneur, certified by a tax return.

If you are in doubt about filling out the fields correctly, click on the hint button. After filling out the data, you will need to upload documents.

It's best to scan them. If this is not possible, take a photo. To download, you must prepare all 9 pages of your passport. It is important that the passport has no cover, the edges are visible, there are no fingers or foreign objects in the frame, and the image is clear, without glare. Take photos against a white background, trying to capture as little of it as possible.

The system will ask you to upload a personal photo. It also has some requirements:

The face is located in the center of the frame;
The image is clear;
The head takes up at least 50% of the photo;
The photo does not include a hat or sunglasses;
You are looking directly into the camera lens;
Eyes are open, there is no red-eye effect;
Color photograph.

After opening your passport and personal photo, in the “other documents” section, upload a certificate of income and real estate that you own. You can skip this point, as you may need another set of documents.

Then the system will prompt you to select the nearest office. You can enter the address manually, or indicate it on the map.

When you submit a request through the DomClick service, you agree to the terms of the user agreement. Sberbank employees have the right to make inquiries about your credit history and confirm the accuracy of the data specified in the application.

Mortgage calculator online

Conditions for submitting an application

If you do not meet the requirements that Sberbank imposes on borrowers, submitting an application is useless.

In general, it takes 3-5 working days to review an application submitted through the DomClick website or application. If the decision to issue a loan is made in your favor, you can begin choosing housing from the database.

Even if all basic conditions are met, the bank may refuse to issue a loan without giving reasons. This usually happens when the security service finds inconsistencies in the data you filled out, if you have a bad credit history, or low solvency.

Please note that approval loan application preliminary, and refusal may occur after signing the purchase and sale agreement on the site.

How to draw up a preliminary purchase and sale agreement for DomClick

If you decide to buy an unfinished property housing construction, a preliminary purchase and sale agreement is drawn up. Its validity period is limited by the period of commissioning of housing.

IN preliminary agreement must be indicated:

All information about the developer and buyer: passport details, addresses;
Home Purchase Agreement;
The procedure for payment between the buyer and the seller: installments, prepayment, or payment of the full price;
Written guarantees from the seller about the impossibility of selling the unfinished construction project to third parties.

Basic contract for the purchase of housing

The main contract is drawn up by the realtor or developer. Depending on whether you are buying housing in a new building or on the secondary market.

The contract must contain the following clauses:

The address where the object is located;
Cadastral number;
Number of rooms;
Information on what basis the seller disposes of this property;
Are there any encumbrances;
Passport details and addresses of both parties.

To conclude a purchase and sale agreement, the following documents are required:

Documents confirming the right to dispose of real estate;
Certificate of registration;
Extract from the house register;
Consent of the legal spouse to complete the transaction, certified by a notary;
Passports of the buyer and seller;
A document confirming the cost of the object (ordered through the Domklik service).

How to reduce the interest rate on a loan with the DomClick service

When you fill in the information in loan calculator, you can choose bonus programs, reducing the rate.

If you are a salary client of Sberbank, you will receive a discount on your mortgage in the amount of 0.5%, provided that in the last 2 months at least one payment has been received into your current account from the organization where you are employed
Young spouses under 35 years of age, as well as single parents state program 0.5% discount provided
If you insure your life and health with any insurance company that is accredited by Sberbank, the base interest rate will be reduced by 1%
If you register a transaction remotely, the interest rate is reduced by another 0.1%. A trifle, as they say, but nice
If you buy a property from certain developers for a period of no more than 12 years, you can save 2% of the base rate.

Mortgage refinancing through DomClick

If you received a mortgage from another bank under less attractive conditions, you can apply for refinancing. But it’s worth considering that after refinancing it will be impossible to get tax deduction. Do this before you submit your application through DomClick.

To apply for loan refinancing you need:

Be registered in the service
You must not have any late payments in the last 12 months
The loan was issued more than six months ago
More than 3 months until the end of the mortgage
The mortgage loan has not been previously refinanced.

A refinancing application takes longer to process than a mortgage application. It may take up to 30 calendar days from the date of submission of the application. You can view the status of your application in your personal account.

If you take out a mortgage loan from a savings bank, you can also resort to refinancing in some cases:

The rate is higher than 10.9-11.9%
Debt of more than 500,000 rubles
No outstanding monthly payments
Mortgage taken out at least 12 months ago
The loan was not refinanced.

Review of the application within 30 days. The bank may refuse without explanation. Not suitable for refinancing military mortgage. The application is submitted through your personal account and is tracked there.

Loan for building a house with DomClick

The minimum loan amount is 300,000 rubles, the loan term is up to 30 years, and the down payment is 25%. There is no fee for issuing a loan.

You can take advantage of a deferment in the payment of the principal debt, while continuing to pay off interest, for a period of no more than 24 months from the date of issuance of the loan, if the cost of construction suddenly increases. Also, on an individual basis, you can increase the loan term by no more than 2 years.

Interest rate from 10% per annum. It increases if you do not insure life and health in accordance with the requirements of the bank, do not receive a salary from Sberbank, and are not a participant in the state program aimed at developing the housing sector.

You must provide residential premises as collateral, or attract up to 3 guarantors. Required condition issuance of a loan - insurance of the real estate object, which is collateral, for the entire term of the mortgage agreement.

DomClick for realtors

The service provides an excellent opportunity to increase the number of sales, because you will receive interested clients who already have a mortgage approved. You don't need to place ads on all kinds of resources, just one is enough.

DomClick helps simplify transaction support:

All mortgage applications from clients are submitted online;
Reviewed within a few hours;
All documents arrive in electronic form;
There is an opportunity to work with collateral real estate;
For realtors, there is a Partner Online service, which is installed on a mobile phone in order to always be aware of events.

Registering realtors is not at all difficult. Go to the official DomClick website, below at home page Find the “become a partner” button. Your request will be forwarded to DomClick Pro for registration of legal entities.

Fill out all the required fields in the registration form and accept the terms of the user agreement. Wait for a call from a Sberbank employee and a detailed explanation of further actions.

Just a few years ago, an online application for a Sberbank mortgage could only be submitted through the bank’s partners - developers or real estate agencies. However, now the situation has changed radically, and any Russian citizen has the opportunity to directly send an application for a mortgage loan to the bank by registering a virtual personal account mortgage borrower Sberbank. The choice of developer and apartment takes place online, and a visit to the bank office is only required to complete the transaction.

Online service "DomClick"

Purchasing an apartment with a mortgage is not an easy task. When applying for a home loan, the borrower goes through the following stages:

Drawing up an application for a certain amount at a bank office with the provision of all necessary documents and waiting for the bank's decision.
After receiving lender approval, you need to find a suitable apartment. You can search on your own using sellers’ advertisements, developer advertisements, or contact realtors.
Choosing a company to insure the purchased apartment and your life.
When an apartment is found, you need to conclude an agreement with the seller, make a down payment, and then come back to the bank to conclude a mortgage agreement.
Together with the seller or his authorized representative, you must hand over mortgage agreement and a purchase and sale agreement in Rosreestr for state registration transactions.

Sberbank’s DomClick online service allows the borrower to combine all these processes in a personal account and minimize the time spent searching for and registering an apartment. Most operations can be performed remotely.

Who is the service intended for?

The DomClick service is available to any Sberbank client aged 21 to 75 years who has received a positive decision on their application for a home loan. The service can also be used by housing developers and real estate agencies to increase their sales volume from mortgage clients.

How to register

In order to register a DomClick personal account from Sberbank, you need to send an online application to the bank. To do this, go to the official website of the service and open the “Mortgage” section on the main page.

the amount you want to receive from Sberbank for the purchase of housing;
the amount they are willing to contribute as down payment;
approximate loan term;
personal and contact information.

After entering the necessary information, the amount of the forecast monthly payment will be calculated automatically. To continue with your application:

Access to your personal account

Login to your DomClick personal account from Sberbank, as in all other similar cases, is carried out on the official website of the service by clicking on the “Login to your personal account” button.

As a personal login, you must enter your number mobile phone, which was used when registering in the system. You should also have come up with an access password during the account registration process.

You can log into your personal account before receiving a positive decision from the lender, but take any further actions only after the loan is approved. Until this moment, you will only be able to view information about apartments on the service website. Immediately after your loan application is approved, you will be assigned a personal manager who will accompany you throughout the entire period from selecting an apartment to state registration of the transaction.

Functionality

After receiving a positive decision to provide a loan through your DomClick personal account, you will be able to perform the following actions:

explore everything real offers from developers and real estate agencies;
add information about the co-borrower, if available;
view photos of apartments for sale;
upload documents for the apartment for inspection if you found it yourself outside the service;
obtain information about new buildings and the future infrastructure of residential complexes under construction;
pick up insurance company, accredited by Sberbank;
conduct a legal review of the transaction and appraise the apartment;
undergo electronic registration with Rosreestr after completing a transaction with the seller.

Validity period of the mortgage borrower’s personal account

You will only need an account on the DomClick service while purchasing a home with a mortgage from Sberbank. After passing state registration in Rosreestr, it will completely exhaust its functionality. IN monthly repayment the personal account does not participate in the loan amount, and since it does not provide a shutdown function at the initiative of the client, you can safely forget about it.

5 rules for a comfortable mortgage: Video

Sberbank ranks first in terms of the volume of mortgage loans issued in 2016. It provided every second loan to individuals for the purchase of housing in the primary and secondary real estate markets. In quantitative terms, its share is mortgage market exceeds 50%. Rates by housing programs bank below the market average, which is possible due to low costs, optimization of business processes and organizational structure. The DomClick mortgage from Sberbank is a popular service that allows you to purchase your own home with minimal initial costs.

Description of the online service

The DomClick mobile application is a unique opportunity to apply for a mortgage online with Sberbank. The service, operating throughout Russia, allows you to remotely form an application for a housing loan, select a property, obtain approval and agree on housing parameters. This simplifies the mortgage lending procedure. You will only need to visit the nearest bank branch once, and only to sign a bilateral agreement.

The service has a number of unique features that distinguish it from other online resources, namely:

prompt communication with a mortgage specialist (via the DomClick chat you can find out about the conditions for a Sberbank mortgage, about mechanisms for reducing annual interest, about refinancing housing loans other banks and much more);
cooperation only with bona fide accredited developers;
receiving advice from the best real estate agencies;
selection of housing through the “Real Estate Showcase”, with the choice of the desired region, price, and other characteristics of the property;
submitting an online application to Rosreestr for real estate registration;
checking the legal purity of the purchased housing (relevant when buying a house or apartment on the secondary market);
ordering an assessment of the selected object and more.

You can log into your personal account on the DomClick website after receiving approval of your mortgage application from Sberbank, or during initial registration. For authorization, you will need to indicate your mobile phone number (specified in the application for receiving borrowed funds) and identifier (received when a positive decision is received from number 900).

Your personal account on DomClick presents the main parameters of an approved mortgage with Sberbank: maximum amount, loan term and interest rate range. The borrower just has to decide on the property, upload title documents for it and wait for approval from the lender.

If you cannot log into your personal account on “DomClick ru” to familiarize yourself with the terms of a pre-approved mortgage in Sberbank, then you must use the “Reset password” option on the main page of the application or contact technical support by number: 88005555550.

The DomClick mobile application contains an online calculator of basic mortgage parameters. It allows you to calculate payments and overpayments on a loan, compare options in terms of different repayment periods or down payments, and get acquainted with the effective interest rate. To obtain detailed information, you must enter the value of the property, the amount of the one-time payment, and the repayment period of the debt.

Participants salary projects may qualify for lower interest rates By housing loans. To do this, you need to indicate your affiliation in the appropriate column of the virtual questionnaire. It is also possible to reduce the fee for using borrowed funds by 1% when purchasing a life and health insurance policy for the borrower.

Refinancing of home loans from third party banks

You can refinance your mortgage through a mobile app third party bank. Taking into account the reduction key rate The Central Bank of the Russian Federation and the restoration of the solvency of the population, this service has become in demand among all participants in the mortgage lending market.

Sberbank offers refinancing of housing loans from third-party financial institutions on the following terms:

annual interest - from 9.5%;
the maximum term of on-lending is 30 years;
the balance of the loan debt is from 500 thousand rubles.

A prerequisite is the legal purity of the transaction and the absence of overdue debt. Only one mortgage agreement executed in another is allowed for refinancing credit organization. There are no additional fees for the service.

Housing products from Sberbank

Apply for a mortgage at Sberbank through DomClick. ru" is possible under the conditions presented in Table 1.

Table 1. – Conditions for the bank’s main housing products

Product name	Maximum loan term, g.	Amount of one-time contribution,%.	Annual percentage, %	Minimum amount, thousand rubles.	Maximum amount, thousand rubles.	Payment type
Purchase of finished housing	30	from 15	from 8.9	300		annuity
Mortgage plus maternity capital	30	from 10	from 7.4	300	no more than 85% of the estimated value of the property	annuity
Construction of a residential building	30	from 25	from 10	300		annuity
Country real estate	30	from 25	from 9.5	300	no more than 75% of the assessed value	annuity
Promotion for new buildings	30	from 15	9,4	300	no more than 85% of the estimated value of the property	annuity

The purchased object can be: an apartment on the primary or secondary market, countryside real estate, house under construction, cottage and other premises for consumer purposes. Credit and financial organization does not provide money to purchase a room in communal apartment, since such transactions involve increased risk.

Sberbank's mortgage calculator, posted on DomClick, allows you to soberly assess the financial burden. To calculate the overpayment and the amount of regular payments in the online service, you must provide the following information:

type of property;
the city in which you plan to purchase housing;
the amount of own funds;
maturity date of financial obligations.

The DomClick service is an application of a Sberbank partner aimed at simplifying the mortgage lending process by going through the main stages online. Upon approval of the amount and approval of the selected object, a list of documents will be sent to your personal account, the originals of which must be provided to the credit department when formalizing the contractual relationship. Reviews about obtaining a mortgage from Sberbank through DomClick are only positive. Users note the intuitive interface of the mobile application, the ability to choose a realtor based on real reviews and ratings, control over the stages of the transaction and timely receipt of advice from credit specialists.

Sberbank's DomClick service helps Russian citizens buy housing with a mortgage. This minimizes visits to Sberbank branches, allowing you to carry out some transactions online. As a result, when applying for a mortgage, you only need to visit the bank to sign a loan agreement.

The DomClick service makes it easier for all participants in the transaction to obtain a mortgage: the property owner, the realtor and the buyer. The buyer (aka borrower) has the opportunity to choose a realtor based on reviews and real ratings from other clients. The mortgage loan facility is also agreed upon with the bank online. Realtors and developers quickly find clients, and buyers have the opportunity to choose and buy a home without leaving home.

DomClick from Sberbank: login to your Personal Account

After approval for a mortgage has been received, you need to go to Sberbank’s DomClick service.

You will receive an SMS on your mobile phone inviting you to visit the site; no prior registration is required. But to create and further visit the Sberbank DomClick Personal Account, authorization is required. You can log in to the system by filling out all the fields: mobile phone number and password, which will be sent to the specified number.

If you have forgotten your password, you need to click “Forgot your password” and follow the instructions that appear.

DomClick system capabilities

By logging into your Personal Account, you can see the amount of the approved mortgage loan and a list of additional system services.

Having chosen a property on your own or with the help of real estate agencies, all you have to do is upload the specified documents and wait for the decision. Those clients who have not yet looked at an apartment or house are advised to seek help from professionals. You can choose a real estate agency based on user ratings or use your own criteria.

The Sberbank DomClick service contains information about accredited new buildings. You can study the terms of purchase, infrastructure, layout, and look at photos.

By selecting suitable option, you need to contact the developer or his representative.

If the property was found independently, then it is necessary to coordinate its acquisition with Sberbank. This can be done through the Sberbank Online service, using the services of appraisers and real estate specialists recommended by the bank.