Advantageous mortgage of Sberbank: "Young family"

In recent years, the Russian Federation has been rapidly developing various social programs aimed at obtaining housing and increasing the number of children and families. That is why at the moment the best option to get your own housing is the profitable mortgage of the Savings Bank "Young Family".

Its housing is the most cherished dream of the overwhelming majority of young families of our country. Most of them are forced to rent an apartment or a room. At the same time, the level of wages in the country allows you to pay for such a lease, but does not give any opportunity to accumulate financial capital, sufficient to purchase your property. Solve this problem, called the mortgage of the Savings Bank "Young Family". In addition to such a program, there are others similar to it: assistance to young families and maternity capital. In the framework of such loans, borrowers can expect to receive cash aid from the state in an amount that is sufficient for a minimum payment of the first installment.

Sberbank: mortgage "Young Family" (2013)

This assistance program was launched in June this year and managed to gain popularity. Under the effect of this mortgage loans families come with both children and without them, but when applying for a loan, young parents with two or more offspring can expect to receive a very low rate of 10.5% per annum. In addition, the initial contribution for such a mortgage is only 10%, which will greatly benefit low-income families.

The minimum amount that can be obtained under the program of the mortgage of the Savings Bank "Young Family" is 45 thousand rubles, and the maximum is calculated in each case individually and depends on the solvency of the borrower and the guarantees provided to them. The maximum available period for which you can get a mortgage loan is 30 years. In this case, the amount of payment that must be paid monthly will be approximately equal to the monthly rent. It was these factors that allowed the program to become so popular in a very short time. At the moment, thousands of families across Russia are collecting the necessary documents to obtain a lucrative loan.

Mortgage "Young Family" (Sberbank): conditions for obtaining

To participate in this program, borrowers must meet the following conditions:

1. The age of all adult family members should not exceed the threshold of 35 years.
2. The family must prove to the city administration where the mortgage is being issued, that it needs improving living conditions.
3. The family should not participate in other subsidizing programs.

It is necessary to provide the following papers:

1. Passports of the Russian Federation husband and wife.
2. References from co-borrowers' work places, showing their level of income and work experience.
3. The Surety.
4. The collateral object - in the overwhelming majority of cases it becomes acquired real estate.

Today, the mortgage of the Savings Bank "Young Family" is one of the few convenient and profitable ways to acquire own housing. This proposal is mainly aimed at families with children who need better housing conditions.