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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 statement 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 in your 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 in the event of an 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 the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in 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 sum 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 maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.
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 Istration (is an additional service and is 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.
No one lived in a new building before you, the price per square meter is less than that of an apartment of the same class in a secondary building, 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 will not move in, most likely, they will have to wait for the development of infrastructure and the 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 the necessary 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.
For middle-income families, the best option for buying your own home would be frame house: construction on credit is becoming more and more accessible. The construction of traditional materials, such as brick, cinder blocks or aerated concrete, runs the risk of dragging on for several years, and it always requires huge expenses. Frame technology allows you to complete the construction and move into a fully finished house in just a few months, after which the family will be able to safely pay off the loan.
Advantages of frame construction
Frame house on credit It is an opportunity to acquire your own home with very little one-time costs. Modern banking programs are specifically targeted at middle-income families; monthly payments will not become too burdensome if you think about all issues in advance and take a balanced approach to design and construction.
A frame house is a warm, light and durable building that does not require pouring a powerful monolithic foundation. Construction work can be carried out at any time of the year, although they usually try to do it during the warm season. The construction of the house itself can be compared with the assembly of the designer: the building is assembled from prefabricated prefabricated elements, the box is built in just a few weeks.
Frame house on credit in Moscow and the Moscow region has become a popular solution for several more reasons:
- The opportunity for one summer not only to build a building, but also to carry out a complete finish with the arrangement and connection of all communications. Unlike a log house, a frame building does not shrink: you do not need to wait six months or a year, you can immediately carry out external cladding, install doors, windows and carry out other work. This allows you to complete the construction in the shortest possible time.
- Low cost of materials and finishes. For the frame, a durable coniferous timber is used; for cladding, OSB - plates and modern heaters. This technology provides minimal construction costs, in addition, you can save on rough finishing.
- High energy efficiency. The frame house holds heat well, which makes it possible to reduce annual heating costs. For any home, this is a significant savings, it partially pays for investments in construction.
- A wide range of planning solutions. If you want to become the owner of a truly comfortable home, your choice is construction of turnkey frame houses: projects one-story and two-story buildings can be selected for any requirements. Subsequently, the building can be quickly rebuilt by changing the arrangement of rooms.
Advantages of building on credit
If you have to build on credit, a frame house is the least risky solution. The construction will not be delayed and will not lead to large additional costs, all finishing work can be completed in the shortest possible time. In addition, such construction meets all the requirements of banks, subsequently the house will be considered collateral until the final completion of payments. There will be no problems with obtaining a loan, and in the future you will be able to calmly pay off the bank without being distracted by endless problems with construction and decoration.
If you want to become the owner of your own comfortable housing away from the dusty streets of the metropolis, a house using frame technology will be the best solution. The Canadian type of construction has been tested in many countries, houses of this type make up more than 70% of one-story buildings in the USA, Finland and Canada. It is the most economical solution that has proven to be effective.
Everyone loves to take a bath. Everyone wants to live in a cozy and environmentally friendly wooden house. But only 20% of the entire population of the country can afford to buy them for cash.
This is not something derogatory, the price is really high. But you can buy a log cabin of a bathhouse or a house on credit. Fortunately, many banks provide such a service, you don’t have to look for a lender.
Construction of a turnkey house on credit
No need to think that this is a disadvantageous event. Confirmation of the rationality of such an operation is the high demand, which increases annually. It is especially advantageous to take out a loan to build a house. This loan is a mortgage in its essence, which means that the property remains as a pledge. But the repayment terms are loyal, the property will be safe even in case of financial difficulties.
Now the most delicious - many construction companies that produce houses and baths from timber have partnership agreements with banks. When cooperating with them, the buyer does not receive money in his hands. The bank transfers funds directly to the seller's account, and a loan agreement is opened for the customer.
You don’t even need to go to the bank, everything is done in the office of the log house manufacturer. But before concluding an agreement, you need to carefully read the terms of such a loan on the website of the manufacturer and the banking institution. If something is not clear, you should call the manager for clarification.
Average lending conditions are very loyal. Terms can be up to 30 years, although not every bank is ready to provide such a loan. If we take into account the fact that the price of a house is lower than apartments, such terms are not needed at all.
The best option is 1 year for every 230 thousand rubles of payments. Thus, a loan for a million rubles at 12% per annum (one of the most profitable offers on the market) is profitable to take for 6 years.
In this case, the total amount of payments will be approximately one and a half million, including all interest. But, first of all, you need to focus on your own financial capabilities.
Is it possible to buy a log house or baths on credit without a down payment
A loan for the purchase of a log house is a mortgage, which means you cannot do without a down payment. By the way, it ranges from 10 to 35% of the total loan amount. But here, too, an exception is possible. Some construction companies themselves make an initial contribution to the bank from their own funds, which are returned to them along with the loan money, and debt obligations are automatically transferred to the buyer. A complex scheme, but working - allows you to bypass some banking rules.
Everything is simplified when the seller of log cabins enters into a special partnership agreement with the bank, which allows not to pay initial fees. With a private appeal to the bank, such a loan program is not available, it is possible only for corporate clients. This option is probably the most profitable for a person who wants to buy:
There is no down payment;
Interest is the same as with the down payment;
You can avoid leaving the property under a bank pledge.
Plus, the bank is more loyal to the delays of such borrowers. The "principle of friendship" works - if the client came from a partner, then the bank provides him with benefits. This is a matter of reputation, but useful for borrowers.
Banks lending money to buy a house
There are not very many such banks, and a decent part of them are concentrated in the Moscow region. However, it is possible to find a lender throughout the country. After all, no one prevents a manufacturer of timber houses from concluding a partnership agreement with a Moscow bank. So, credit organizations that provide loans for the purchase of a house or a bath from a bar:
Rosselkhozbank. One of the most interesting proposals: if the borrower maintains a personal subsidiary plot, then all age limits are removed, and information about the place of work is not required. For other borrowers, the minimum age is 21, the maximum is 65. Income is confirmed with 2 personal income tax or a correct bank statement. Payments can be deferred for three years at the birth of a child. The amount can be very large, but depends on the level of income and the availability of property from the borrower. The loan is recognized as a mortgage, so the purchased building remains as a pledge.
Mortgage for building a house.
SKB-BANK. The conditions are almost the same as the previous version, with the exception of the absence of benefits for owners of subsidiary plots. The minimum age can be lowered to 18 with proof of income. Loan terms can be up to 30 years.
Sberbank. The most reliable, the largest. Buying a bathhouse or a house from a log house is equivalent to a classic mortgage, which means that the property remains pledged. It features low interest rates and the possibility of early repayment without commissions and penalties. This bank lends not only the purchase of a new house, but also the completion of an existing one.
Such conditions are relevant for personal contact with the bank. In the case of a loan through a partner construction company, additional benefits are possible in the form of a reduction in the minimum age and loyal sanctions in case of late payments.
Installment options for the construction of a bathhouse or a house from a bar
To receive an installment payment for the desired building, you can not contact the bank. Some construction companies offer consumers preferential conditions for the purchase of housing, allowing installments up to 3 years. The options might be:
Building a house from a bar and a wooden frame is cheaper for the owners than brick and monolithic houses. And yet, buying a house from a bar on credit can be a profitable solution if the customer is interested in the quick construction of the building. If you combine a turnkey project of a house made of timber and apply for a loan, in the end you will receive a quality guarantee, exact construction time and no additional costs.
You can build a house on credit from the Svarog company in the amount of up to 5,000,000 rubles and for up to 7 years. Unlike a mortgage, you can buy a frame house on credit without collateral, and arrange it faster.
| Bank's name | Requirements, conditions and documents |
| Requirements for the borrower:
|
Home construction loan from 13.4%.
Credit term - up to 7 years old.
Sum - up to 5000000 rubles.
Conditions for obtaining a loan. Who can buy a frame house on credit?
The partner banks of the Svarog company offer conditions for a consumer loan for the construction of frame houses and timber houses, without resorting to mortgage lending services. And unlike a mortgage, a non-purpose loan for a turnkey frame house gives you the right to dispose of the property as you like. 22
The conditions for obtaining a loan are as follows:
- You need to have Russian citizenship;
- register in the region where the bank's representative office is located;
- Your income must be constant, with a total work experience of at least 2 years and at the same time at least six months of continuous work experience;
- when repaying the loan, you must be at least 21 and not more than 68 years old;
Partners of "Svarog" do not overestimate lending rates, however, it should be remembered that consumer and mortgage lending rates are different. Therefore, you can buy a house project from a bar on credit, along with your life insurance, at 13.4% with a deposit and at 14.4% without it. In the event that you refuse insurance, you will need to pay an additional 3% of the amount.
Why is it a smart decision to get a loan for a frame house?
Building a house on credit is not always an expensive and lengthy process, both when building frame houses on your own, and when building frame houses through companies, and even when buying a house from a bar on credit. The budget, as well as time, cannot be unlimited, so people with limited finances are forced to postpone completion dates, ask construction companies for a delay, take loans from third-party companies ... And often such decisions lead to a freeze on construction and a complete lack of money.
A loan for the construction of a turnkey house is really a good way out of the situation, but not every construction company works on such conditions. Legally, this is a more complex process of concluding a contract than simply concluding a work contract. The contractor does not receive money for his work immediately and there simply may not be funds for the construction of the building.
"Svarog" is already cooperating with several banks and has the material and technical base for the production of work, so buying a frame house on credit and building it on a turnkey basis with us is a solution to two problems in one moment!
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