How to take a mortgage in Sberbank and not lose it

Own housing today - not a problem. With the advent of mortgage loans, the acquisition of square meters has become a reality. If you are still interested in how to take a mortgage in Sberbank, then the answer is simple. You just need to choose a program and collect a package of documents. And now about all this in more detail.

Selecting a bank

If of all the options you have chosen Sberbank of Russia, you want to take a mortgage here, then this is a very good choice. Sberbank offers a variety of programs of such lending with flexible interest rates and quite free conditions. It is also good that when you take a mortgage in Sberbank, you will get great benefits on other loans and deposits. Having paid a certain part of the mortgage, you can get this amount in the form of another loan, attaching it to a mortgage, and buy a dacha, for example. So, the choice is made. Let's start to find out how to take a mortgage in Sberbank.

Basic and special programs

Very often to choose the right program you only need to come to any office of the bank personally and say: "I want to take a mortgage in Sberbank." The staff will immediately offer you several existing options. Basic lending programs allow you to purchase both finished housing and under construction. The interest rates here depend on your income, the loan amount, and the amount of the down payment. You can even take a loan to build a house. In all these cases, this most residential property will become a pledge. However, there are special programs, such as military mortgages or mortgages plus maternity capital. Here, interest rates are much lower, but not all fit the proposed terms of these programs.

Favorable accommodation

If the question of how to take a mortgage in the Savings Bank does not bother you so much, you can wait for a special promotion, which is often held in the bank. For example, there are stocks for new housing. The interest is not more than 12, the loan is issued for no more than 12 years, the minimum initial contribution is only 12 percent. This is just remembered, and a fairly profitable proposal. Also, actions for young families are often held. Usually there is a restriction on the age of the spouses, and the rate is very low - 10.5%. But the maximum loan period is 30 years. The size of the down payment is also small - this is 10%.

General Tips

Here are some general tips on how to take a mortgage in Sberbank. To start, choose the option yourself, you can even count the monthly payments on the calculators that are on the bank's website. Then consult with the manager. You need to do this personally, not by phone. Then ask the employee to choose the best option for you, taking into account all the factors. Let before you there will be some offers from which you can choose. Dwell on a feasible monthly payment, even if the loan term is very large. As for the documents, everything is simple here. If you receive a salary on a bank card, then you only have enough passports to apply. Otherwise, you will have to confirm your income with certificates from the accounting department.