What list of documents will be needed to apply for a mortgage at Sberbank for different categories borrowers? What package of documents for a mortgage in a new building and for finished housing from the seller and the buyer?

A complete list of documents for a mortgage at Sberbank in 2019 in order to be guaranteed a mortgage loan

So today's topic: documents for a mortgage in Sberbank in 2019.

You will learn:

• Which a list of documents will be needed to apply for a mortgage at Sberbank for different categories of borrowers.
• About a package of documents for a mortgage on a property in a new building and for finished housing from the seller and the buyer.
• Useful tips from experts.

Making a loan application

What are the documents for a mortgage in Sberbank required by a potential borrower? Let's try to figure it out. To be guaranteed a mortgage loan for housing in Sberbank, you need to follow a number of simple rules. It is important to have a good idea of ​​how the decision to issue a loan is made, and do everything so that bank employees have no doubts about your reliability as a borrower. It is necessary to provide a mandatory list of documents requested by the bank for obtaining a loan in time.

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

Download the application form for a mortgage at Sberbank can . There is also her filling pattern.

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

Download a certificate on the form of Sberbank and a sample can . Help is complicated and the bank thoroughly finds fault with it.

Of course, at the time of filing such an application, you must have a steady income for at least the last 6 months and have a total work experience of a year for the last 5 years (be employed or run a business).

To confirm this information, you must provide:

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

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

1. Certificate of service and a certified copy of the contract - for military personnel and law enforcement officers.
2. Salary card - for participants salary project. This card must have at least six credits. Also, bank employees often make various mistakes when opening them, due to which a mortgage is refused, so we recommend preparing a complete package for an application with certificates and labor immediately.
3. A certificate from the pension fund or an extract from the pension account (mandatory certified by the bank) on the amount of the accrued pension - for pensioners. If the pension comes to the account or card of Sberbank, then it is enough to simply indicate the number of the account or card in the questionnaire.

If you have a low official salary, then you should not be upset. Important feature Sberbank - undocumented income will be taken into account when considering an application for a loan. Sberbank gives the most maximum amount on mortgage among all other banks. This has been verified many times.

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

In Sberbank possible mortgage according to two documents (passport + SNILS, driver's or foreign to choose from). PV for such a loan is from 50% and the rate is from 11.75%.

• It's good when you own other real estate. This will affect the positive decision on granting you a loan. Please indicate this on the application form.
• If the marriage is registered, then both spouses must be parties to the transaction. One of them will be the borrower and the other co-borrower.
• If you do not want your spouse to participate in the transaction, then you will need to make a note in the questionnaire that you have a prenuptial agreement. Then, during the consideration of the application, the spouse will not be taken into account, but his passport will be needed in any case. After the approval of the mortgage, you will need to prepare a marriage contract and certify it with a notary. This marriage partner is provided along with a full package of documents for the property.
• If one of the spouses is a foreigner, then the conclusion of a marriage contract is mandatory. Sberbank provides a passport of a foreign citizen.
• If the passport has a mark on the current marriage, and in fact the potential borrower is divorced, then you need to provide a certificate of divorce.
• During the first visit to the bank, try to get as much information as possible, do not hesitate to ask questions. This will help avoid mistakes and speed up the entire process. It is advisable to write down the name and surname of the specialist who advised you, his hours of work. Then you will have the opportunity, in case there are difficulties, to contact a bank employee who already knows you.
• Before applying, you should have a good idea of ​​the amount you want to borrow. It should be uplifting for you. Ask an employee to calculate your monthly payments. Compare them to your income. You should have money left to pay utility bills, food, and other daily expenses.
• The bank considers the application no longer than five business days (usually 2-3 business days, and for pensioners and salary workers per day). The employee will tell you the answer by phone and SMS will come. If the loan was approved and agreed to issue the amount you declared, then you need to proceed to the next step - choosing a suitable apartment. The bank gives two months for this.
• Usually Sberbank approves the maximum possible limit. This means that the borrower can purchase housing more expensive than what is indicated in the questionnaire. Check with your mortgage specialist for the exact amount.
• The next time you visit the bank, you should already have a contract of sale of real estate signed by two parties (seller and buyer). Since the purchase takes place with the involvement of credit funds from Sberbank, this must be reflected in the contract as a separate clause indicating the exact amount.
• In addition, the document must state that from the moment of state registration of the contract, the apartment you purchased is pledged to the bank. To immediately correctly draw up a contract of sale, take a sample from a loan officer.

Documents for drawing up a loan agreement

Documents for obtaining a mortgage in Sberbank must be submitted not only by the buyer, but also by the seller of real estate. What is required from the buyer? Here is a list of documents.

For the buyer:

• Report on the assessment of real estate purchased in a mortgage. Get a list of appraisal companies accredited by the bank from a loan officer. The appraiser must personally inspect the object, so you need to coordinate his visit with the seller.
• Documents that would confirm that you have the necessary funds for the down payment. It can be a savings book, a bank statement, a receipt from the seller that he has already received the agreed advance from you.
• If the potential borrower is married, you will need the consent of the second half to transfer the mortgage apartment as collateral to the bank (notarized).
• Personal documents: a general passport, a copy of the work book, certified by the head of the enterprise.
• A package of documents that confirm the solvency of the borrower. This includes a certificate of form 2-NDFL or in the form of a bank. She will confirm your official monthly income. If you have additional financial sources (work part-time, rent an apartment), then provide a rental agreement, an employment contract or an income declaration certified by the tax authorities to confirm.
• If by the time you apply for a mortgage loan, you have outstanding loans, you will need to take a certificate of how much you have to repay.

When applying documents for a mortgage in Sberbank it is important to discuss them in advance complete list with a mortgage manager. As a rule, this is a different specialist, since transactions are carried out in the center of mortgage lending by employees who specialize only in this process.

If the transaction has a parent certificate, then it must be attached along with a certificate from the PF.

Mortgage for buying an apartment in a new building

The procedure for obtaining a mortgage loan for housing that is still under construction differs from the usual procedure.

• Sberbank has a condition - the apartment will be purchased from construction company which is accredited by him.
• In many ways, the terms of lending will depend on the stage of construction.
• It's easier to get a loan for an apartment in a house that is practically built, and even better, accepted by the state commission.
• Then the bank will issue a loan secured by a new building without any problems.
• When the borrower wants to buy real estate in a house that is still under construction, the bank may require him to make additional collateral, for example, to transfer to him other real estate that he owns as security for the loan or add a guarantor.

There is a universal rule: the closer the construction is to completion, the less requirements are imposed on the borrower.

Mortgage for a new building described in more detail. We recommend reading to understand a number of nuances.

Having decided on a developer accredited by Sberbank, you need to take the following steps:

As a rule, an application for a new building can be submitted through a mortgage broker directly on the territory of the developer. This will save you a lot of time and will also allow you to get additional preferences in some cases.

Documents for a mortgage on a new building

The potential borrower must collect and submit to credit organization such documents:

• Equity agreement or its draft.
• Assignment agreement (if an apartment in a new building is purchased from an investor) + the first DDU and documents for full payment + a certificate from the developer.

It is usually done by the builder himself. The borrower does not need to do anything else.

It's important to understand! If you purchase an apartment from a developer and it is already registered as a property, then the developer must independently prepare the above-described package of documents for the secondary housing and submit it to the bank.

In order for you to be issued a loan for a new building, you must additionally submit the following official papers (originals) to the credit institution:

• Identity card or passport of a citizen.
• A certificate confirming your income.
• Copy of labor.
• Copy of tax return or employment contract.
• A document confirming the payment of the first installment (receipt).

Documents for sellers of real estate in a mortgage

If the real estate seller is a legal entity

To sell a new building, a legal entity must submit the following documents to the bank:

• Constituent papers (charter, memorandum of association).
• The decision of the governing body for the sale of real estate indicating the terms of the transaction: price, timing, payment procedure.
• A document that confirms the authority of the representative to sign the contract on behalf of the company.
• The representative of the company must have a passport.

If the apartment is sold by an individual

The owner submits the following documents to the bank:

• Evidence that the property is registered to him.
• The document on the basis of which the property arose (certificate of privatization, donation, exchange or sale agreement).
• Extract from USRR ( state register right). It is taken at the local branch of Rosreestr. It is only valid for a month.
• If the property is in fractional ownership, then you need to enlist a notarized refusal of the co-owners of the priority right to purchase.
• If the seller is married, then his other half must agree to the sale joint ownership. It is also certified by a notary. If the seller bought the property at a time when he was not yet married, he must confirm this with a notarized statement. When the apartment was received as a gift, inheritance or privatized free of charge, these documents will not be required.
• If one of the co-owners of the property is a minor, then the sale requires permission from the guardianship authorities.

From January 1, 2017, a certificate of state ownership of property will no longer be issued to citizens. State registration will be certified by an extract from the Unified State Register of Real Estate (EGRN), which will combine the currently existing Unified State Register of Rights to real estate(EGRP) and the State Real Estate Cadastre (GKN).

Summing up

To get a guaranteed mortgage loan at Sberbank, you need to follow a few simple rules:

• It is important to prepare well for the first visit to a credit institution, clearly define the loan amount, correctly fill out an application, provide loan officer documents that would 100% confirm your ability to pay.
• If you receive a small official salary, then you can include your additional income in the application. If not, then you need to bring a guarantor with you to the bank. The more evidence you provide to the bank that you will repay the loan on time, the better your chances of getting approved for a mortgage will be.

Sberbank mortgage calculator 2019

Not every borrower is able to accurately calculate the amount of their monthly assessed contributions. To perform this and other tasks, a mortgage calculator was created at Sberbank for 2019. It will help clients accurately calculate the loan amount from the minimum value to the maximum allowed by the bank for each client individually.

• The whole process of calculating the loan amount is quite simple. It is enough for the user to select the type of mortgage, indicate the required loan amount, enter the repayment period, and the calculator will automatically calculate the required monthly payment.
• For the convenience of customers, the bank allows you to get a mortgage without visiting the office of a financial institution. In this case, you need to create Personal Area on the online resource of Sberbank by filling in all the required fields of the registration form.
• If desired, you can reduce the interest rate by 1% by insuring your life and health in insurance companies accredited PJSC Sberbank. With a large loan amount, this can be quite an impressive amount of money saved.
• In addition, you can additionally reduce the amount of payments under the loan agreement by 0.1% by agreeing to the electronic registration of the transaction and the purchase of real estate from developers recommended by the lender.
• More detailed information for each option for obtaining a loan, you can always look at the pages of the corporate website or ask questions that interest you by calling the phone number indicated on the resource, or clarify incomprehensible points by filling out the appropriate feedback fields on the Sberbank resource.

Take advantage of the offer of Sberbank. Sberbank loans will help in the implementation of your housing issue. Thanks to the loans offered, you will be able to buy the housing you like in any geographical point of the Russian Federation.

Mortgage processing requires collection and preparation a large number documents, which takes a significant amount of time. However, this process can be optimized.

Mortgage processing takes place in several stages:

1. loan approval;
2. approval of the object of lending;
3. signing mortgage agreement;
4. confirmation by the borrower of their financial capabilities for the initial payment;
5. provision of collateral.

Therefore, it is advisable to transfer the documents for obtaining a mortgage at Sberbank to employees of the credit department in the sequence in which the process of obtaining a mortgage loan proceeds, since many documents are valid only for a month.

They are needed at different stages of obtaining a mortgage. More than a month passes from the moment of application to the signing of the contract, for reasons beyond the control of the bank. This will require the re-collection of many necessary certificates, which leads to additional financial costs and time for their re-issuance.

Submitting an application and required documents

To obtain the consent of the bank for a mortgage loan, the following are submitted:

• statement;
• documents allowing to identify the identity of the borrower and co-borrower;
• papers on the main and additional, if any, income;
• data about the main place of work.

Before submitting a full package of documents for obtaining a mortgage loan, you should calculate the conditions for obtaining it. To do this, use . It may turn out that the loan amount will be less due to the applicant's low income, or the monthly payments are too burdensome for family budget, which will require an increase in the term of the loan.

In this case, a co-borrower will have to be involved in the registration of the mortgage. Then both of them, the borrower and the co-borrower, at the stage of approving the application, provide the same list of documents to the credit department for obtaining a mortgage at Sberbank.

Request. Each bank has its own application form for a mortgage loan. At Sberbank, the application form can be printed from the official website () or taken from the manager at any branch. The application can be completed online or submitted in person, which will immediately get answers to all unclear questions.

Documents for personal identification. To identify a person, Sberbank requires only two documents: a general passport of the Russian Federation, with registration in any region of Russia, and, to choose from, one of the following:

• driver's rights;
• military service ticket;
• certificate of an employee of law enforcement agencies;
• international passport;
• a card with an insurance number of an individual personal account (SNILS).

Basic income statement. Confirmation of the main sources of livelihood are:

• Certificate in the form 2-NDFL for the last six months from the place of work. If the employer is not able to issue it, this document can be filled out according to the forms of the employer (in this case, a corner stamp with the details of the organization and a seal must be put on the form, the document is certified by the head or a person authorized to sign it) or the creditor (mainly for individuals, hired workers);
• Certificate from the Pension Fund of the Russian Federation on the amount of the pension paid for last month(for pensioners and disabled people) or about monthly payments on an ongoing basis in the form of cash compensation.

Information about additional income. Many applicants have other sources of livelihood in addition to their main income. To confirm such income, you must provide:

• apartment lease agreement non-residential premises) for rent and a declaration in the form 3-NDFL, with a note from the tax authorities about its acceptance;
• Papers confirming the legitimacy of receipt additional income(author's fee, remuneration for civil law contracts) and a declaration with a note about its delivery to the tax office.

Information from the place of work. Documents confirming the place of work are:

• original work book;
• certificate of position and work experience;
• a copy of the contract, if the legislative level provides for the conclusion of an employment contract between the employer and the employee;
• certificate on the form of a creditor for employees;
• original IP registration certificate (a bank employee will make a copy and certify it);
• certificate of an employee of a law firm (lawyer).

Young families, in addition to the documents listed above, provide evidence of:

• about marriage (not filed with an incomplete family);
• the birth of a child.

With an increase in the solvency of a young couple at the expense of the parents' income, proof of kinship will be required (the list of documents in this case will be indicated by the bank). Large families must provide a “Certificate for maternity (family) capital”.

Attention: military personnel receiving housing under certificates fill out an application form of a different form. It can be taken directly from the bank. In addition, they provide a passport and a military ID for personal identification.

Important: Sberbank customers who receive wages through its personal accounts require other documents for a mortgage application, as described below.

Consideration of the application takes place within 2-5 days. In practice, on the second day, the bank decides whether to issue a mortgage loan or refuse it. The next stage is the approval of the object of lending with Sberbank. At this stage, the choice of housing, the bank provides 4 months.

Approval of the object of mortgage lending

To reduce its risks when issuing a mortgage, the bank requires the provision of a number of documents on the lending object. Since both the owner of the living space and the buyer participate in the transaction for the purchase of housing, documents are provided by both parties.

Important: the documents provided at this stage will be needed later when registering the purchased housing as collateral.

The buyer is obliged to transfer to the bank one copy of the contract for the sale of the object of credit. It should take into account some of the features associated with mortgage lending. Therefore, it is necessary to involve a specialist from this field in drawing up the contract.

The seller provides the following list of documents for a mortgage in Sberbank:

Documents for a mortgage on an apartment:

• the original certificate of ownership of the apartment and papers confirming its occurrence;
• extract from the USRR, to check the legal purity of the apartment being sold.
• if the apartment or house is in shared ownership, then it is necessary to provide a notarized consent of all owners to sell the apartment;
• a power of attorney to conduct business, if the counterparty in the transaction on the part of the seller is a real estate agency.

Documents for obtaining a mortgage at Sberbank in a house under construction:

• building permit;
• documents describing the object under construction, including design and estimate documentation;
• certificate from the BTI on the cost of the apartment;
• papers confirming the rights of the developer to the land plot where construction is underway.

Signing a mortgage agreement

Before signing the contract, the borrower provides proof of availability own funds for a down payment and documents on the right to a state subsidy when paying a mortgage.

Confirmation of funds for down payment. The availability of own funds for the down payment can be shown by providing:

• bank statement on the balance of funds on the personal account;
• payment order for the transfer of funds to the account of the developer;
• a receipt from the seller on receipt of money when buying an apartment from an individual;
• the estimated value of the property when it is sold to receive money for a down payment.

For getting state subsidies provided:

• certificate from the Pension Fund of the Russian Federation on the balance of maternity (family) capital;
• housing certificate;
• certificate of eligibility for a targeted housing loan.

Pledge of loan objects

Sberbank issues a mortgage loan on the condition that the purchased housing will be mortgaged to him to guarantee the return of the loan money. A set of documents required for issuing a pledge (an additional package, as some of them were presented at the stage of approval of the lending object):

• the consent of the wife (husband) to the transfer of the loaned property as a pledge, certified by a notary;
• marriage contract, if any.

Mortgage loan under 2 documents

Sberbank is actively promoting mortgages under 2 documents. What documents are needed to apply for a mortgage in this case? The program covers bank customers who have salary accounts with it. They fill out an application and provide a passport to identify the borrower.

The bank does not require documents confirming sources of income and a certificate of employment. The rest of the papers at various stages of considering a mortgage, the borrower will have to provide.

General conditions for issuing a mortgage

Conditions for issuing a mortgage loan

Mortgages are subject to the following conditions:

• housing is acquired (built) on the territory of the Russian Federation;
• issued only in national currency;
• the object of lending is transferred to the creditor as collateral;
• collateral is insured on a mandatory basis (not to be confused with the imposed voluntary insurance life and health of the borrower);
• minimum loan amount: 300,000 rubles;
• maximum size: 15 million rubles. for Moscow and St. Petersburg and 8 million rubles. for other regions;
• maximum term: 30 years (15 for military mortgages);
• down payment: from 20%;
• maximum number of co-borrowers: 3.

Mortgage rates

Since 2018, Sberbank has launched a new line of mortgage loans, which allows using interest rates to satisfy the needs of its customers in obtaining loans to buy a home.

The smallest percentage, 7.4% per annum, which is lower than the refinancing rate by 0.1%, will have to be paid to borrowers who buy apartments in houses under construction. The largest percentage, 10.0% per annum, is from private developers.

Important: for families with children, the state repays part of the mortgage interest rates from the budget. They will have to pay only 6% per annum. The program is valid from 01/01/2018 to 12/31/2022.

Requirements for the borrower

Mortgage can be issued:

• Russian citizen;
• aged 21-75 years (the upper age limit must coincide with the date of termination of the loan agreement);
• working continuously with one employer for the last six months;
• having a total work experience of more than one year out of the last five years preceding the filing of papers for obtaining a mortgage.

Sberbank mortgage loans

Sberbank offers different terms of financing through a mortgage for the purchase or construction of housing. It:

• mortgage loan for families with more than 2 children with state support;
• mortgage for housing in new buildings;
• mortgage financing for the purchase of finished apartments;
• mortgage for military personnel;
• mortgage using family capital;
• financing of individual construction;
• mortgage loan for the purchase of suburban real estate.

Significant reduction in interest rates on mortgage loan made it more accessible to the population of Russia. The collection of various certificates for its registration is difficult, but not bureaucratic. With purposeful work in this direction, all papers can be collected within one month.

The exact list of documents and certificates required for obtaining will depend on the type of mortgage program and the availability of the mortgage program included in it. state programs subsidies. Details on the required documents required to obtain a mortgage at Sberbank are below on the page.

Conditions for issuing loans for housing

Regardless of the subsidies and benefits provided, Sberbank has established a minimum list of requirements and documents required for a future borrower to obtain a mortgage. The first stage provides mandatory filling, the form for which can be taken at a bank branch or on the official portal.

Sberbank requirements for applicants:

1. minimum age of 21 years, maximum at the time of loan repayment - 75 years;
2. official employment or license individual entrepreneur. The length of service at the current place of work must be more than 6 months, and for individual entrepreneurs - more than 2 years;
3. certificate of income 2-NDFL, for individual entrepreneurs a tax declaration is required.

Mortgage on 2 documents

To apply for a mortgage at Sberbank, the following documents are required:

• from the borrower and, if there are several. For legal entity a statement from its pledger is required. The form can be taken at a bank branch or found online.
• Passports of all loan participants with a registration mark.
• An additional document proving the identity of the borrower.

This offer is valid for borrowers whose down payment is 50% or more. This is due to the trust of the bank and allows you to consider most mortgage loans.

Standard list of documents for registration of a mortgage

In the case of a loan with an advance payment of less than 50%, the bank will need additional information:

• Estimated value documents collateral. The list of possible collateral objects (in most cases, real estate) can be clarified with bank employees. Basically, the acquired property acts as collateral. The relevant documents must be completed within 60 days from the date of approval of the application. It is better to conclude a sale and purchase transaction with an experienced specialist, it should also contain a designation that the property being purchased will be partially paid for with credit funds and housing will be pledged by the bank.
• Certificate 2-NDFL, which indicates the amount of income for the last six months. Clients who are paid salaries through Sberbank are spared this procedure - the bank can check the data on its own. Income statements are also required from all co-borrowers and guarantors. These documents should be accompanied by a copy of the work book, as well as a certificate from the employer.
• Citizens with additional sources of income can confirm the possibility of repaying a mortgage with a 3-NDFL certificate with a seal tax authority. Landlords can present a lease agreement and ownership of the property. All of these certificates are valid for 1 month.
• A package of documents on the loaned property. Young families have the opportunity to provide them within 120 days, for other clients the period is 60 days.
• Documents confirming the availability of the down payment. These include state certificates: the accumulation of the military in the NIS and maternity capital for young parents.

In the case of a mortgage under a simplified scheme, the required package of documents for collateral remains the same.

What might be useful:

• Borrowers under the age of 27 provide a military ID;
• When lending under the "Young Family" program, documents on marriage and the birth of children are required;
• In the case of open loans, a certificate of their payment and the amount of the balance is required; for an individual entrepreneur or LLC, an additional extract from the register of legal entities is required. persons.

Preferential mortgages from Sberbank

Many are interested in questions about participation in such special programs, how:

Since the above programs are provided on the basis of state subsidies, in accordance with this, in order to use these products, you must provide an additional list of documents that are not included in the general list of certificates required for obtaining a mortgage.

Mortgage "Young family"

If you apply for a Young Family loan, among other things, you need to bring:

• marriage certificate;
• documents on family ties between borrowers and their parents;
• child's birth certificate.

A marriage document is required for complete families, a document confirming the birth of a child - for families with children, and a document of family ties - for persons whose guarantors or co-borrowers are their parents.

Mortgage plus maternity capital

Under the Mortgage Plus Maternity Capital program, the client will additionally be asked to provide:

• maternity capital certificate;
• extract from pension fund about the amount of the balance. It must be provided within 60 days after the approval of the loan.

More detailed information can be obtained at bank branches or at.

Flat

• Technical passport;
• Purchase and sale transaction;
• A document confirming the state registration of the right;
• Certificate from the BTI on the value of real estate;
• Construction documents;
• Certificate of acceptance of the house in operation;
• Plan of the house with an exact indication of the area;
• Assessment by an independent expert;
• Documents on the absence of debts for housing and communal services;
• Extract from the house book;
• Certified consent of all owners to pledge real estate;
• Extract from unified registry on the encumbrance of the owner's rights to housing;
• Acts on the right to the land plot on which the dwelling is located.

Non-residential premises

• Certificate of state registration of law;
• Acts of ownership;
• House plan of all floors;
• Technical passport;
• Assessment by an independent expert;
• Certificates from USRP and BTI;
• An agreement on the pledge of a land plot on which a non-residential building is built.

Land plot

• Extract from the land registry;
• Title documents for ownership or lease;
• Certificate from the Unified State Register of Encumbrances.

Construction in progress

• Building permit;
• Registration documents establishing the right of ownership;
• Financial documentation;
• Documents describing the object;
• Assessment by an independent expert;
• Certificate of cost from the BTI;
• Documents confirming the right to the land plot on which the object is located;
• Extract from the EGRP.

What documents are prepared by the real estate seller

In addition to the borrower, a separate list of documents must be prepared by the real estate seller. It includes information such as:

• A sale and purchase transaction, an act of inheritance, a donation agreement and other documents confirming the right to transfer real estate to someone else's property;
• Document on the ownership of the housing for sale;
• Refusal of other equity holders from the preemptive right to purchase, certified by a notary;
• Permission to sell from spouse, if required;
• Excerpt from EP real estate rights;
• In the case of possession of a part of the property by a minor, you need permission to sell from the guardianship authorities;
• Notarial certification for the transaction, if it is made with the participation of a third party.

If, in addition to the property acquired on a mortgage, the provision of other valuables is meant as a collateral object, in this case the list of documents will depend on the type of property provided.

Measured ingots precious metals:

• Ingots;
• Certificates of authenticity from the manufacturer.

Vehicle:

• Passport of the vehicle;
• Feedback from an insurance company or an objective expert.

Securities

• Documents establishing the right of ownership.

As can be seen from the above, obtaining a mortgage is a rather time-consuming process. Along with other types of loans, there are also additional nuances that should be carefully studied. The process is clearly shown in the video.

In almost any young family, and not only a young one, sooner or later all the “charms” of the housing problem arise. Not everyone has a desire to live on the same square with the older generation, and sometimes there is no such possibility.

This is where mortgage lending programs come to the rescue. Unless, of course, the level of earnings allows you to pay a mortgage. Who is suitable for these loan products, and what documents are needed for a mortgage at Sberbank in 2020?

Highlights of Mortgage Lending

Why did we start talking specifically about Sberbank? There are so many banks now. Yes, many, but most of them are commercial and state capital there isn't at all. Sberbank was established central bank RF, which is its main shareholder. That is why the degree of reliability is much higher, plus various useful state programs operate in it.

Conditions for granting a home loan

Let's just say that not everyone can get a mortgage. The Bank imposes certain requirements on borrowers and potential co-borrowers. Here is the main list:

1. Age. On the date of application, the potential borrower must be over 21 years of age. The maximum age for such loans is 75 years. Moreover, 75 is at the time of the full repayment of the loan, and not on the day the application is submitted.
2. Official employment or registration as an individual entrepreneur. At the date of application, your work experience at the last place of work must be at least six months. For individual entrepreneurs, it is desirable that the period of your employment is from 2 years, otherwise there is a high probability of refusal. The same applies to those who are one of the owners of a larger business.
3. Documentary evidence of income. For working citizens, this standard help 2-NDFL or in the form of a bank. For individual entrepreneurs and business owners - a tax return with a mandatory note that it was accepted by the tax authority.

The requirements for citizenship here are obvious - only the Russian Federation. Moreover, housing purchased under the program must also be located on the territory of Russia.

In the event that the solvency of the spouses is recognized as insufficient and their earnings are not enough to obtain the required loan amount, co-borrowers can be attracted. These are the citizens who, together with you, will be responsible to the bank for the execution of the loan agreement. The earnings of co-borrowers are taken into account when calculating the loan amount.

Objects of lending

You can apply to Sberbank not only for a mortgage on an apartment. By program housing loans can be purchased:

• cottage, residential building, townhouse;
• part of a house or apartment, which is one or more isolated rooms;
• country house or garden house;
• garage;
• land plot.

You can also purchase several related objects:

• a land plot with a garden house located on it;
• garage with a "piece" of land under it;
• cottage with land, etc.

In addition, the mortgage provides for the construction of real estate. For example, if you want to buy land and build a house or a garage on it, or both at once.

The list of documents required for housing loans, we will consider in detail a little later.

The main programs for the purchase of housing

Despite the variety of ways to use credit funds, most often citizens resort to housing loans specifically for the purchase of ready-made or under construction housing.

That is why Sberbank has mortgage programs which provide for the construction or purchase of a finished dwelling. Their features are shown in the table below.

Name of indicator	Program for the purchase of finished housing	Program for the construction of residential premises
Attachment object	Acquisition of residential premises (houses, apartments, etc.) in the secondary market	Acquisition of housing in the primary market, i.e. at the construction stage
Loan currency	Russian ruble	Russian ruble
Down payment amount	from 10%	from 10%
Minimum interest rate	12,5%	12,5%
Loan terms	up to 30 years	up to 30 years
Credit amount		At least 45 thousand rubles. The maximum loan amount is not limited.
Commissions for processing a loan and its early repayment	Not	Not
Security	Mortgage purchase mortgage	Pledge of acquired real estate or right of claim
Opportunity to attract co-borrowers	There is	There is
Benefits for young families and participants in the salary project	Provided	Provided

Mortgage package

So, what documents are needed to apply for a mortgage at Sberbank? There are a lot of them, but this does not mean at all that you need to collect everything at once. At the first stage, you need quite a bit:

1. Questionnaire. The application form can be downloaded from the official website of the bank or taken at any of its branches. But you don’t write application forms for credit every day, do you? Perhaps the bank has certain requirements for filling out the entire application or a separate section of it. The Internet will tell you little about this, so the most the best option– take an application form from a loan officer at the first consultation and ask all questions about its execution.
2. The passport.
3. Information about employment. You can confirm your employment with the following documents:
   • a copy of the work book certified by the employer, or a properly executed extract from it;
   • a copy of the employment contract;
   • a certificate from the place of work, which indicates your position, date of commencement of work and total length of service;
   • certificate of state registration you as an individual entrepreneur;
   • a lawyer's certificate or an order to appoint a notary public;
   • for business owners - a license for the right to engage in a certain type of activity.
4. Documentary evidence of your income:
   • certificate in form 2-NDFL or in the form of a bank for individuals employed;
   • certificates of monthly receipt of pensions, various payments, compensations, any life support;
   • for sole proprietors and owners of large businesses - tax returns with confirmation that the document has been received by the tax authorities.

This is what concerns the basic income of any citizen. But some people have additional sources of income. Money, due to which you are going to pay the requested loan. How to confirm the existence of such income? It is very simple - a declaration of income in the form of 3-NDFL with a mark of the tax authority on acceptance. In cases of receipt of income from the lease of property - a copy of the lease agreement and documents confirming your ownership of this property with the application of the same declaration.

Note! All these certificates are valid for 1 month. Therefore, first of all, request those that in your particular situation will be more difficult to obtain.

The documents mentioned above are necessary for the approval of the transaction and at the first stage they are quite enough. After the bank makes a positive decision, you will still have time to choose a suitable housing, if one has not already been made. In general, you will have 4 months to choose an apartment (or house) and provide the bank with all the necessary documents.

Pledge documents

In mortgage lending, the purchased housing acts as collateral. And the first what you need to provide to the bank is a contract for the sale of residential premises.

It is better to entrust the drafting of such an agreement to professionals. Real estate transactions are a rather serious thing in and of themselves, and mortgages are also involved. In addition, Sberbank imposes certain requirements on the contract. In particular, it should contain the following:

• the purchased property will be partially paid for by the loan provided by Sberbank;
• the amount of the loan received for the purchase of housing;
• housing will be pledged to the bank from the moment the certificate of ownership is issued in the name of the buyer.

In a mortgage transaction, not only the buyer of residential space is involved, but also its seller. Accordingly, both parties will be engaged in the collection of the necessary information.

Documents provided by the seller

1. Certificate of state registration of ownership for the property being sold.
2. A document that is the basis for the transfer of this type of real estate into ownership, which may be:
   • contract of sale;
   • donation or exchange agreements;
   • certificate of inheritance;
   • certificate of privatization.
3. Extract from the Unified State Register rights to real estate and transactions with it in relation to housing for sale. Such a document is ordered at the local representative office of Rosreestr or at the MFC. The extract is valid for 1 month, so it is recommended to order it one of the last in the list of documents.
4. If the property being sold is in common shared ownership, you will need to provide notarial refusal other participants in the property from the pre-emptive right to purchase.
5. Consent of the spouse (or wife) of the seller to sell housing, notarized. Such consent must be provided only in cases where the other half has the right to claim a share in this property under the law. If the dwelling was premarital property or was transferred to one of the spouses by inheritance or by way of gift, then a notarized consent is not required. It is not necessary even if the spouses have a marriage contract in which the regime of separate property is established.
6. Power of attorney for the transaction if the seller has entrusted these actions to a third party. Such a power of attorney must be certified by a notary.
7. Permission from guardianship authorities and trusteeship for the sale of residential premises, if at least one of the shares of real estate belongs to a minor citizen.

Documents provided by the buyer

1. Independent appraiser's report about market value purchased property. You need to order an assessment only in the organization that is accredited by the bank, otherwise you will waste your money. A loan officer will be happy to provide you with a list of such organizations. The term for preparing a report is from several days to a month, so it is better to start collecting a package of documents from it. Having ordered an appraisal, you can safely collect other documents while waiting for the appraiser's report.
2. Document on the availability of own funds. You know that when applying for a mortgage, you need a down payment. To confirm that you have the right amount of money, you can provide a copy of the Savings Book or a receipt from the seller that he received an advance payment in the amount needed for the down payment.
3. If at the time of applying for a home loan the buyer is married, then you need to provide notarized consent of the spouse (spouse) to the transfer of purchased housing as a pledge a bank or a marriage contract that establishes a regime of separate ownership of all the property of the spouses.
4. If the buyer is not married, they will require a notarized statement that at the time of registration of ownership of the housing purchased on a mortgage, he was not married.
5. Permission received from the guardianship and guardianship authorities, for the transfer of housing as collateral, if one of the participants in the transaction is a minor.

The transfer of property as collateral is a rather lengthy process. Therefore, for the period of registration of such a transfer, the bank may require the provision of other security.

Depending on the type of property pledged, a list of documents will be formed:

• when pledging transport - a certificate of registration of the vehicle, title, CASCO policy, an independent appraiser's report, the consent of the second half;
• in the case of a pledge of rights of claim - documentary evidence of the existence of such rights and the consent of the spouse (s) to pledge them;
• on bail valuable papers- standard consent of the second half and documents certifying your right to own these papers;
• with a pledge of precious metals - a certificate from the manufacturer and all the same marital consent;
• when pledging real estate - all documents that are provided for obtaining a mortgage by the buyer and seller.

List of documents provided under special programs

All that was described above is a standard set of information necessary for obtaining a home loan. But from the moment the mortgage first started in our country, legislators have found many reasons and situations to change its conditions. So special subprograms were created, designed for certain categories of citizens. And each of these subprograms needs its own specific document.

During the implementation of the project under the program "Young Family" you will be asked for a marriage certificate and birth or adoption certificates for all existing children. For a young family, such an option as calculating solvency, taking into account the income of parents, is possible. Therefore, provide in addition all the documentation that can confirm your relationship.

For the Mortgage + maternity capital program a certificate of the right to receive family capital is useful. In addition to the certificate itself, you will need to bring a certificate from the Pension Fund to the bank, which will indicate the balance of unspent funds maternity capital. Such a certificate is limited to a period of 1 month, so do not rush to get it right away.

Military Mortgage Program related to the provision of housing for military personnel. To participate in such target program you will need to provide evidence stating your eligibility for housing loan within the framework of the system for providing military personnel with housing.

Mortgage on two documents - a reality?

In fact, such a statement is slightly embellished. Hearing about 2 documents, people start to think that there are only two of them. But here we are talking about a simplified procedure for checking the client's solvency.

The package of documents that is provided in relation to the subject of pledge remains the same. The same applies to information on confirming the sufficiency of own funds and specific types of documents within the framework of special targeted programs.

This simplifies the first step of applying for a home loan, and you do not need to verify your income and employment. To apply for a mortgage on 2 documents to Sberbank, you provide only a passport and any other identification document.

In such a situation, the banking institution has additional risks, because the real solvency of the client remained a mystery to him. Trying to at least slightly compensate for possible losses, Sberbank changed the conditions regarding the housing loan program according to two documents. So, for example, the interest rate on such a mortgage originates from 13%, and the amount of the down payment has increased to 50%.

In addition, the maximum possible loan amount is limited here:

• 15 million rubles for the purchase of residential premises located in cities of federal significance (Moscow and St. Petersburg);
• 8 million rubles for housing in other regions.

However, for those who do not have enough to buy a home relatively a small amount, the difference in interest on the loan will not be very noticeable. However, less information needs to be provided.

Video: Pitfalls and the main mistakes people make when taking a mortgage

Total

going for home loan to the bank, do not rush to collect everything at once Required documents. To approve a loan, the bank needs only the main package of documents that relates to your personal data, employment and earnings. You will have time for everything else later, after the bank approves the transaction. In addition, many documents have an expiration date, after which you will have to collect everything again.

At the first consultation, provide the loan officer with the information you need at the first stage and find out all the points that interest you. On your first visit, ask a bank employee to calculate the approximate amount of monthly payments in order to assess your financial capabilities.