Early repayment of the mortgage, Sberbank: conditions, reviews, order. Is early repayment of mortgages possible in Sberbank?

In our time it is hard to buy an apartment for cash. It is for this reason that many people have to apply to the bank for a mortgage loan. Is there any benefit, and how soon can I close my debt?

Housing in a mortgage

Is it worth borrowing a mortgage? After all, he falls heavily on the shoulders of the payers. All because the interest is very high and often exceeds the real value of the apartment. True, there is simply no other way out for people. This is the only option that allows you to buy your own home. Many, in order to quickly pay off a mortgage, they pay large sums. Limit themselves in everything, if only before the deadline to close their debt. The question arises, is it worth it to make an early repayment of the mortgage? Sberbank offers various conditions that should be considered in more detail.

General mortgage conditions

Large overpayments on a mortgage strongly hit the wallet. Therefore, many people think about early repayment, at least in part. The main factors are interest on the contract, inflation growth and exchange rate fluctuations that affect the amount of payments.

It is more profitable for a bank to receive monthly payments. Especially profit goes in the first years, when only interest on the loan is covered . The amount of the loan itself begins to be repaid only in the middle of the term. With timely payments, the mortgage loan automatically closes on the last day of payment.

Is early repayment possible ? In Sberbank, some customers who have a large and stable income, meet halfway. In this case it is allowed to pay the debt by differentiated payment. As a result, the monthly loan amount is divided into equal parts. The interest is charged on the balance of the debt itself. It turns out that the amount remains unchanged. Only the percentage that is recalculated every month changes. Therefore, to pay off the mortgage in advance will not be difficult. Although there is a nuance: the whole load of payment will be at the initial stage. For this reason, the bank very carefully checks such a client for solvency. The presence of financial stability will allow full early repayment of mortgages in Sberbank ahead of schedule.

Ways of early repayment of a mortgage

Any bank will be against early repayment. After all, their plans include many years to receive a monthly income from a mortgage. Often this is the main income item of the bank. Therefore, early payment is not profitable for him, because he is deprived of a large number of interest under the contract. To forbid before the time to close the debt is impossible. Under the Civil Code any citizen with a loan in a bank can close the debt ahead of time. To realize their rights, the client needs to notify the bank and its employees about this decision in advance. Often the period is 30 days or more. It is installed in the bank itself when concluding a mortgage agreement. A mandatory statement is written where it indicates the reason for early repayment of the mortgage.

Sberbank to such an application, in addition, requests requisites. These include the name of the branch, which issued a mortgage loan, information about the client in accordance with its application form, telephone number and location on the postscript. Also need to specify the contract number. The application itself is written in an arbitrary form, where the client asks to accept the amount for early repayment of the mortgage in Sberbank. The conditions of the bank are such that only after signing the application for the repayment of the debt will the date of the deposit of the required amount to the client's account be established. After that, the mortgage debt to the bank is considered closed. If the partial early repayment of the mortgage in the Savings Bank is carried out, then another payment schedule is drawn up. Then it must be signed by the client and the representative of the bank.

Are there any restrictions for urgent repayment?

Any bank puts certain conditions for repayment of a mortgage debt. Therefore, it is important, before contacting the bank with this issue, to understand how payment under such an obligation occurs. There are two types of payments: differentiated and authentic. In the first case we are talking about monthly payments, which eventually decrease. In the second case, the monthly payment amount is the same throughout the term. It turns out, at the very beginning, interest is paid, and already from the middle of the term - the mortgage debt itself.

Most often, the bank operates on an authentic basis, so the procedure for early repayment of mortgages in the Savings Bank has its own characteristics:

1. The first condition is the limit on a certain amount. It is paid as an early repayment. The minimum amount is 15 000 rubles.
2. The second condition provides for the client to apply to the bank one day before the main payment. That enables the client to calculate his financial capabilities and plan all payments in advance.
3. An important point is the timely payment. Everything happens after the application is written and accepted by the employee of the bank. You can make a payment at Sberbank's cash desk or through a terminal installed in the bank itself.
4. Then, after making the right amount, the client pays the next payment specified in the credit schedule. After paying the next installment, the bank manager must provide a new payment schedule. It should take into account the amount credited to the account, which indicates a partial early repayment of the mortgage.

Sberbank also offers an online option, which is worth talking about.

Repayment of debt online

This option is suitable for those who are very busy due to circumstances. Therefore, can not find the time to make an early repayment of the mortgage in the Savings Bank. The conditions here are very simple. You need to go to the official website of Sberbank. Here there is a special calculator, where all the necessary customer data is entered. Thanks to this service, it becomes possible in a short time to repay a mortgage loan in whole or in part. If it is a question of the second variant, the bank manager subsequently sends the client a new payment schedule.

Early repayment of mortgage

Each client is allowed to make an early repayment of the mortgage. Sberbank provides an opportunity to repay its debt in advance. As indicated above, there are various conditions and possibilities for this. Here everything depends on the type of loan. That is why it is important, before signing a mortgage contract, to familiarize yourself with all the proposed conditions. In any branch of the Savings Bank you will be informed that there are various options for early repayment of the loan. At the request of the client, they can perform calculations on the declared data, and then draw up a preliminary payment schedule. It is best to clarify the situation before you have signed the documents for a mortgage loan.

Is it worth repaying the mortgage debt ahead of schedule?

If you have long paid on the schedule, it is worth considering whether it is worth before time to extinguish the mortgage. Those for whom monthly payments are not a burden, it is worthwhile to wait. After all, for the early repayment will have to collect the right amount, and therefore, squeeze yourself in the budget. On the contrary, when the mortgage is a burden, one should look for options to improve one's life: to close the debt ahead of schedule or to reduce the amount of payment by partially closing the debt.

Bank customer opinions

If you analyze the situation, the early repayment of mortgages in Sberbank reviews are very different. One likes a low interest rate on a loan. However, those who have a salary card can get it. In addition, it is convenient for such customers to cancel monthly payments. Others are outraged by too strict requirements for the borrower. Of course, there are certain nuances in mortgage lending in Sberbank and its early repayment. Nevertheless, this bank offers the most favorable conditions. Provides various options for early closure of the mortgage debt. It adapts itself to its clients and meets them, which is very important, Sberbank's clients believe.