Evaluation of an apartment for Sberbank: accredited companies

To date, Sberbank is the most popular bank among others. According to the number of citizens who apply for help in mortgage registration, it surpasses its competitors in the financial market.

Estimation of property in mortgage lending is a common procedure. This is done in order to minimize all possible risks. Let us consider in more detail what the evaluation of an apartment for Sberbank is.

Why do I need an assessment

When applying to a financial institution for registration of a mortgage for an apartment the borrower may have a question about why it is necessary to make an appraisal of an apartment? For Sberbank and other lending institutions - this is one way to protect yourself from malicious defaulters or those borrowers who are in a desperate situation and can no longer repay monthly payments.

For example, a certain family decided to buy housing in a mortgage. The choice is made, only money is needed. People turn to the bank, which provides them with the necessary amount. After a while, because of unforeseen circumstances, it turns out that the family is not able to repay monthly payments. The bank for non-payment sells this housing to pay back the loan. But the money from the sale may not be enough for a full repayment of the debt, and it turns out that the credit organization has worked in the negative.

And this is one example. And if there are not one or two such situations, the bank will simply go bankrupt. To do this, we need a preliminary assessment of the property, so that the financial organization can calculate all possible risks.

Evaluation Sequence

Evaluation of an apartment in a new building for Sberbank - it's not a difficult thing. All you need is not to hurry up and stick to some algorithm in your actions. First, it is necessary to prepare all documents and a certain amount for the evaluation work.

And then the evaluation sequence will be:

1. Signing documents for the provision of evaluation work.
2. Payment of money.
3. Waiting for the evaluation work to finish.
4. Receiving a report.
5. Provision of a credit institution's report.

It is worth a little focus on paying for the evaluation procedure. Its size will vary from 2,500 rubles. Up to 3 500 rubles. Everything will depend on the state of the housing. If the valuation company is to leave for the region, the cost of work may increase to 6,000 rubles. The evaluation period varies from one to three days.

What is indicated in the report

As stated above, compiling and submitting a report is what the evaluation of an apartment for Sberbank ends. Accredited companies working with this financial institution should indicate the following information in the report:

• Information about the presence of a balcony or loggia.
• The total footage of all rooms.
• Technical condition of living quarters.
• Ceiling height.
• Information on the layout of the apartment, which must match the image on the plan BTI.
• Information about water supply, heating, power supply.
• Year of construction of the building, as well as the material from which it is made, and the type of overlap.
• The presence of a parking lot, its kind.
• The presence of underground facilities.
• List of faults, defectiveness of any premises in the apartment, which require further repair work.
• Information about the state of the building as a whole - the entrance in which the apartment is located and the front part.
• The presence of nearby metro stations, stops, roads, shops, schools, kindergartens, etc.
• The price is for one square meter.
• Directions to the object.
• Photos of real estate.

Documentation

Evaluation of an apartment for Sberbank requires the collection and submission of the following documents:

1. Certificate of ownership or contract of rent, as well as a contract of donation, equity participation or purchase and sale. The contract of equity participation must contain all the necessary additional acts of delivery and acceptance of the object.
2. Documents provided by the Bureau of Technical Inventory, including the cadastral passport of the facility, a technical passport, explanations to the immovable object, its floor plan.
3. An identity document (for a physical person), or a partner card with full details (for a legal entity).
4. Information about the presence of any encumbrances on this property (arrest, bail, etc.).

If you are evaluating an apartment for Sberbank, you need to be prepared to submit additional documents:

• Certificate of death of the previous owner (if the documents on inheritance are on hand);
• A complete list of real estate that is subject to evaluation;
• The legal entity must submit a certificate of the date of registration for the accounting, balance and residual value of the property.

Evaluation companies

The appraisal of an apartment for Sberbank is carried out exclusively by appraisers who have been accredited by this bank. The companies themselves do not refer to Sberbank itself and are independent, and the accreditation passed shows that the appraiser is verified by the bank and can be trusted.

At the same time, the minimum requirements that the company of appraisers must meet are as follows:

• Presence in staff not less than two persons;
• The employee must have at least three years of work experience;
• The presence of insurance poles worth more than 3 million rubles;
• The company must be a member of the SRO;
• Absence of any debts to Sberbank.

Naturally, the question arises as to how to find companies that make an appraisal of an apartment for Sberbank? Accredited companies are included in the general list, which is on the site of the bank itself in the section "Register of appraisers of Sberbank". This need is associated with the increasing incidence of fraud and the development of all kinds of risks.

Why does the bank need such cooperation?

An appraisal of an apartment is a process in which, in any case, three parties take part: a borrower, an appraiser and a creditor. With a positive outcome of the case, all are left to win. A person gets the right amount to buy housing, the bank - the confidence that the valuation company did not fail him, and the latter, in turn, is the rating for future work. Any oversight in the submitted report will entail a refusal to issue funds and revoke accreditation.

Not every company can be evaluated apartment. Sberbank's accreditation to the appraiser is a kind of confirmation of the honesty and experience of the company that knows all the requirements of the financial institution and performs them. Consequently, the borrower will not have to deal with the return of the report and its revision.