What loan amount can I expect?

The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

How to increase the chances of obtaining a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income certificate and a copy of the work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering with personal account . After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the onset insured event(disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

For example, to increase your chances of receiving a larger amount upon approval, you can involve co-borrowers - participants salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the amount of maternity capital and own funds. For the minimum amount of the initial contribution, we recommend that you focus on the DomClick calculator.

When using funds maternity capital it is important to agree with the seller on the procedure and deadline for receiving Money maternity capital, since this amount is transferred from Pension Fund not right away.

Also, maternity capital funds can be used for early repayment of an existing loan.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration istrations (is additional service and paid separately)

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

Nobody lived in the new building before you, the price is for square meter smaller than an apartment of the same class in the secondary housing, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents move in, most likely, you will have to wait for infrastructure development and completion of repairs at the neighbors.

As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.

What is the processing time for a loan application?

Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

How is the process of obtaining a mortgage at Sberbank through DomClick?

Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach Required documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

In order to obtain a substantial loan amount, banks often require the provision of collateral.

Thus, the financial institution receives a guarantee of repayment of the loan with accrued interest in the event that the borrower fails to fulfill its obligations.

Does Home Credit Bank provide a loan secured by real estate?

At the moment, HCF Bank offers to issue a cash loan on favorable terms for customers.

If you have previously been served in financial organization, the rate will start from 12.5% ​​per annum. If you applied for a banking product for the first time, the interest rate will be from 14.9% per annum.

Home Credit Bank does not require a loan secured by real estate. The client does not need to look for guarantors, collect a voluminous package of documents for filing an application and provide collateral to obtain a loan of the desired size.

The table below lists the main terms of the loan.

How to quickly get a loan without guarantors and collateral?

The bank guarantees affordable interest rates, prompt decision-making upon request, the ability to choose the date for making a monthly loan installment, no commission for issuing borrowed money and many ways to pay off debt.

You can apply to the bank:

• in the nearest bank office;
• by filling out an online application on the official website.

To approve a loan, the client needs to provide his passport to the bank branch. If necessary, it is possible to additionally attach SNILS to the application. This will increase your chances of getting approved for the loan.

As a rule, these documents are sufficient to obtain a loan. In some cases, other papers may be required, for example, if the applicant is an elderly person without official employment.

In such a situation, it is necessary to hand over to the manager a pension certificate and a corresponding certificate certifying the appointment of pension payments.

All loan information is available on the bank's website. At the same time, you can get detailed advice on the banking product of interest in the office, online chat or call center.

Requirements for potential borrowers

Loan program available to all Russian citizens aged 22 to 70 years. At the time of closing the loan, the borrower must not be older than 71 years.

In addition, the client must also have permanent residence permit in the country, official employment or a regular source of income, as well as a good credit history.

In the case of employment, the applicant's experience must be more than three months at the last place of work. If the client is non-working pensioner, for loan approval, he must receive a pension for at least three months.

Ways to get a loan

The disbursement of loans is carried out in the following ways:

• by transfer to the client's account with HCF Bank or another financial institution;
• cash transfer through a bank teller.

The client independently decides which option is suitable in his case.

An ordinary loan for any purpose at Home Credit Bank does not always meet the needs of citizens. The stakes are high here, yes. maximum amount may not be sufficient. What if you want to conclude a loan agreement on more favorable terms? You can try to apply for a loan secured by real estate, unless, of course, you have such real estate. Let's talk about this in more detail.

Probably, many people know about this, but we will nevertheless outline the difference between a mortgage and a pledge of a property already owned by the borrower. The main difference is in the purposes for which the loan agreement is concluded. In the case of a mortgage, the goal is to own long-awaited housing, which many people are not able to save up for without a loan. In the case of a pledge of existing housing, the borrower pursues other goals, for the implementation of which, he needs a large amount of money.

In both cases, the subject of collateral will be the property. However, in the Mortgage, the borrower takes housing, which means that the subject of collateral will be residential premises. When a loan is taken against the security of existing real estate, here we can talk about any liquid object:

• about the apartment or its part;
• about the house and land plot on which it is located;
• about a part of a residential building;
• about the land;
• about the enterprise as a property complex;
• non-residential premises for various purposes, including buildings.

It was not in vain that we said that the subject of collateral must be liquid. If a property has a questionable market value or is difficult to sell, HKB will not take it as collateral and will not issue a loan against it. We smoothly approached the main features of a loan secured by existing real estate.

We will not consider mortgage in this article, since it deserves a separate publication.

1. Due to the fact that the loan is secured by an expensive valuable object real estate, there is less risk for the bank, which means that it can offer the borrower a larger amount at a reduced interest rate and for a longer period.
2. Any liquid real estate object can be pledged as a pledge without encumbrances and even, in some cases, property rights to a real estate object owned by another person.
3. To apply for a secured loan, you will need an impressive package of documents. At the same time, the bank will not be too strict with credit history the borrower and will not require the involvement of guarantors.
4. If the borrower fails to comply with the terms of the loan agreement on the pledged property, the bank may levy foreclosure.

Conditions in HKB and other banks

Unfortunately, today Home Credit Bank does not massively give loans secured by real estate. This issue is resolved on an individual basis. And in 99% of cases, the applicant is refused. The bank also does not currently work with mortgages, so there is not much to talk about here.

It's good that the light hasn't come together at HKB, there are other organizations where such a loan can be obtained. Let's try to list these banks.

1. Sberbank. To date, this bank makes one of the best offers. Here you can get a loan secured by the property you already own, at 12% per annum. The loan term can be up to 20 years. Loan amount must not exceed 60% market value real estate pledged. Co-borrowers are allowed.
2. Housing Finance Bank. The specialization of this credit institution is the issuance of loans secured by real estate, so here such loans are processed quickly and as professionally as possible. Interest rate from 12.99% per annum, loan amount up to 8,000,000 rubles, but it is also tied to the cost collateral. Loan term - up to 20 years.

It is noteworthy that in the Housing Finance Bank the terms for considering applications, as well as processing a loan, are significantly shorter than in other credit organizations.

1. Eastern Express Bank. In this bank, only regular customers with a good reputation can count on a loan secured by real estate. For them interest rate can be reduced to 10%, the loan amount increased to 15,000,000 rubles, and the term of the contract was extended to 20 years.
2. Sovcombank. This bank also has real estate lending programs, but its conditions are a little more confused. Firstly, the maximum loan amount has not been set, but the minimum amount has been set - 700,000 rubles. The loan amount should not exceed 60% of the value of the mortgaged property. Secondly, the interest rate depends on the solvency of the borrower and on what other liquid property is in his ownership (minimum 14.99% per annum). The loan term can be up to 30 years.
3. Binbank. In this bank, you can get a loan of interest to us on fairly favorable terms. Loan amount up to 10,000,000 rubles, loan term up to 10 years, interest rate from 17.9%. On an individual basis, the rate can be reduced, and the loan period extended.

Requirements for the borrower, the conclusion of the contract

When concluding a loan agreement, the bank without fail imposes requirements both on the borrower and on the subject of collateral. This is due to the nature of the service.

• The applicant must have Russian citizenship.
• Must reside in the region of application and have liquid real estate in the same region.
• The potential borrower must not be younger than 21 and not older than 70.
• The applicant must have worked for at least 6 months at one workplace.

If the applicant attracts co-borrowers, then you need to keep in mind that these should only be individuals who are not chief accountants, individual entrepreneurs, directors or deputies, as well as owners of enterprises.

If the applicant and his property meet the requirements listed above, it's time to apply. The application form will be given to you by a bank employee, but you will need to attach the following documents to this application.

1. Certificate of ownership and other documents relating to the pledged property.
2. Identity document.
3. SNILS.
4. Help 2NDFL. If your monthly income passes through the bank to which you apply for a loan, this document may not be required.

The subject of collateral may well be housing, in which the borrower and his family members are registered. In this case, the following is added to the specified package:

• home appraisal report;
• those. residence permit;
• extract from the USRN and other documents.

The composition of the package of documents will depend on whether the borrower is married, whether he has minor children registered on the area being pledged, whether the borrower has co-owners, and so on. There can be many situations, so do not be surprised if the bank asks you for some additional documents.

Then the potential borrower is waiting for the decision of the bank. Here you need to understand that the more complete the package of documents provided, the higher the chance that the bank will make a positive decision and do it faster. There were cases when banks made a positive decision within 1 hour after the submission of documents, and it happened that this process stretched for 7 working days. In any case, you need to be patient and hope for the best.

With a positive decision, do not rush to immediately sign the contract. Read it carefully, explain certain provisions to a bank employee, and even better, ask for a copy of the contract for review and provide it for study by an experienced lawyer. So you will avoid problems in the event that an unscrupulous bank has entered into the contract some clauses that put you in a bondage position. Be sure to agree on a payment schedule. After signing the agreement, do not forget to find out in what amount and to what account to make the first installment on the loan.

Foreclosure on the subject of collateral

It is unlikely that the borrower will be able to get such a loan from a bank without certificates and without confirmation of income. On the other hand, by addressing such a question to the bank, he protects himself from scammers who, in such a situation, could “circle him around his finger” in no time.

When a subject takes a loan from a bank, he acts in the legal field, which means that he is protected from all kinds of abuse. But this does not mean that if the borrower does not comply with the requirements for loan agreement, then his property will not be levied, as it will be. The agreement provides for the sale of the pledged property, that is, its sale to third parties, and the proceeds will be used to pay off the debt.

Even if you have fully repaid the obligation secured by your real estate, do not forget to remove the encumbrance from it. Without this, you will not be able to sell this property in the future.

The bank will foreclose on the subject of collateral even if this is the only housing for the borrower and his family members. Therefore, you should try very hard not to bring the credit institution to the fact that it applied to the service bailiffs, and they expelled the malicious defaulter along with the children on the street. The borrower, realizing that he cannot pay the installments on the loan, must come to the bank himself and ask for debt restructuring. Only in this case credit organisation can go to meet him.

In conclusion, I would like to once again draw your attention to the fact that loans secured by real estate are taken as a last resort. Including due to the confluence of difficult life circumstances. You should not take such a loan just because it was necessary to urgently make expensive repairs or buy an expensive foreign car. Do not forget about prudence, otherwise you can be left with nothing!

As part of such loans, the residential property pledged as collateral does not have to be owned by the borrower. But, on the other hand, in 2019, banks often limit the circle of mortgagors to relatives of the recipient of the loan (and far from any). Therefore, if it was planned to agree with someone on the provision of collateral, it is worth discussing this with the manager of Home Credit Bank in advance. At the same time, it is useful to find out the requirements for the object.

At the same time, sometimes the offers of credit institutions are non-targeted. In such cases, the bank does not dictate what kind of housing to purchase with the funds received, and whether to spend the latter specifically on housing. It is also better to ask the lender about the relevance of this option.

Benefits of mortgages secured by housing from Home Credit Bank

The use of existing housing as security can significantly simplify the purchase of new meters in Moscow. Firstly, with a sufficient appraised value of the collateral object, an initial payment will not be required. A rather serious hindering factor is excluded.

And secondly, financiers often consider mortgage transactions of this format to be more reliable in terms of loan repayment. As a result, the likelihood of application approval increases.

How to get a mortgage secured by housing at Home Credit Bank?

Before creating a set of documents and submitting a full-fledged application for a mortgage, it does not hurt the borrower to make sure that the program of interest suits him according to the conditions. However, it is sometimes difficult to take into account all the nuances on your own, which is why getting a preliminary consultation will not be a superfluous step. Here you can ask a representative of Home Credit Bank substantive questions, make an approximate calculation of the parameters of a mortgage loan.

If there were no “insurmountable differences” at the initial stage and an understanding was reached on the basic positions, further communication with the bank will largely be reduced to formal procedures.

Or getting a hefty loan of money is nothing more than a loan secured by real estate.

Most often, this financial product is called a mortgage. What is the most important thing in this sentence? Many will answer that the annual rate: the lower it is, the more profitable the loan will be. But sometimes minimum size percent is due to strict and stringent requirements from the bank to the borrower, which is almost impossible for the majority to fulfill.

Lending from Home Credit Bank with the provision is different from similar products more than competitors favorable conditions and loyal, soft demands. The lender allows almost everyone to use their programs if the collateral object meets all mandatory requirements.

What to look for when choosing the best loan offer

1. If you decide to borrow the maximum possible amount from a bank, be prepared for the fact that the lender may require additional guarantees in the form of guarantors or co-borrowers. A large amount pushes the bank to high risks, so he wants to play it safe once again in your creditworthiness. Don't forget about insurance costs, collateral valuation and other registration income so that you can right moment you were able to pay for it. Then this amount can be included in the loan amount and return the money spent.
2. There are programs that do not require a down payment, but the borrower may not always meet the requirements for such an offer and not all banks practice this approach. Even before applying, you should have on hand from 10 to 30% of the desired amount, and the more money you deposit at once, the more profitable the mortgage will be for you. Home Credit Bank adheres to such views, therefore, with a sufficient initial contribution, the client can count on a lower rate and, as a result, on a reduced monthly payment.
3. Determine the best repayment period for you. You can get confused by thinking that a longer refund period means more low interest. In fact, for 5-7 years, the overpayment on the loan will be much less than the one that will have to be paid for 20-25 years. For right choice you need to find the "golden mean" of the monthly payment, it should not greatly burden your budget, but also not force you to pay the bank for many decades. It is best to calculate this online calculator, you can find it on the official resource of the bank.
4. Pay attention to your circumstances. Perhaps you are a soldier or a young teacher, then you can safely use preferential terms bank with state support. You can also count on low rates or similar concessions for those who have already applied to Home Credit Bank more than once and have perfectly coped with their obligations or are a payroll client of the lender. To find out about your possibilities, it is enough to talk with a credit manager, in this case you can always count on a discount and save your own money.