Re-submitting a Sberbank mortgage using two documents. How to get a mortgage from Sberbank using two documents

loans mortgage documents Sberbank of Russia

It is becoming noticeable even to ordinary people that Sberbank of Russia is restructuring its system of approaches to lending, offering various individual lending programs to the population, organizing promotions and highlighting special conditions for issuing loans. In light of this tactic, from April 2, 2014, to attract new clients, Sberbank launched a program with special conditions for submitting applications for mortgage lending, which it called “Mortgage under two documents.”

Mortgage under 2 documents applies to the following mortgage lending programs of Sberbank of Russia:

• Purchase of finished housing;


• Purchase of housing under construction.


• For all promotions carried out for the mortgage programs listed above.

The main conditions for obtaining a mortgage according to two documents are as follows:

• The minimum loan amount is 45,000 rubles;


• Maximum loan amount:
  
  
  1. 15,000,000 rubles - for facilities located in Moscow and St. Petersburg;
  
  
  2. 8,000,000 rubles - for facilities in other regions.
  
  


• The minimum down payment is from 50%, and for the territory of the South-West Bank - from 30%.


• The loan term is up to 30 years.


• Loan collateral - Pledge of the loaned or other residential premises (if necessary, a guarantee from individuals may be required).

Mortgage under two documents

Interest rates on mortgages with special conditions (Mortgage under 2 documents)

When applying for a mortgage according to 2 documents, Sberbank applies a base interest rate, as well as surcharges that increase the lending rate in some cases from 0.5 to 3 “percentage” points.

Interest rates (Mortgage on 2 documents) are as follows:

1. By program " Purchase of finished housing»:
   

   Supplements to the interest rate under the “Purchase of finished housing” program:

   
   
   • +0.5% - if the loan agreement is not signed within the first 30 days after receiving approval for the loan application
2. By program " Purchase of housing under construction»:
   

   Supplements to the interest rate under the program “Purchase of housing under construction”:

   
   
   • +0.5% - if the purchased housing was built without the participation of Bank loan funds
   • +1.0% - for the period before mortgage registration
   • +1.0% - upon refusal of life and health insurance of the borrower in accordance with the requirements of the Bank

The procedure for obtaining a mortgage using two documents

To apply for a loan, clients just need to present to Sberbank:

• the first document is a passport of a citizen of the Russian Federation


• the second document is any other identification document. (driver’s license, military ID, military personnel identification card, international passport, insurance certificate of compulsory pension insurance and others)

The entire sequence of registering a mortgage using two documents at Sberbank comes down to the following steps:

• Fill out the application form.


• Decide on two documents.


• Please submit these documents to the branch of Sberbank of Russia in your region.


• You are waiting for the Bank's decision to grant a loan.


• You collect and submit to the bank the necessary package of documents for the purchased property.


• Sign the loan agreement and security agreement.


• Insure the collateral.


• You receive your loan and your home.

Good luck with your mortgage application!

Sberbank specialists have developed a special financial product called “Mortgage under two documents.” This loan program is intended for job seekers who receive a salary “in an envelope” and cannot confirm their own employment. A mortgage according to two documents from Sberbank requires the provision of a living room and high interest rates.

The size of the housing loan provided ranges from 300,000 to 8 million rubles (the maximum loan amount should not exceed 85% of the value of the collateral property). The amount of the down payment cannot be less than 50% of the market price of the purchased living space. Real estate is subject to compulsory insurance (a list of accredited insurers is on the Sberbank website).

The loan rate starts from 9.6% per annum. A mortgage according to two documents in Sberbank is issued in Russian currency. Only residents of the Russian Federation can apply for a housing loan. A Sberbank client has the right to attract co-borrowers who will bear joint financial responsibility for the loan. The minimum age of a potential borrower is 21 years.

List of necessary documents for obtaining a mortgage at Sberbank

To apply for a mortgage, the borrower must present:

• Statement of the established form;
• Passport with a note indicating permanent registration;
• Identification document of the applicant (license, military ID, civil servant ID, international passport, etc.);
• Certificates regarding the loaned object;
• Receipt confirming payment of the first installment.

Papers for the loaned object can be provided 60 days after the application is approved. If the borrower has additional sources of profit (real estate, securities, civil transactions, etc.), then he should submit the corresponding receipts and account statements to Sberbank. A mortgage based on two documents in Sberbank can be provided to citizens who are rentiers (live on interest on capital).

Documents for credited housing with a mortgage in Sberbank

An application for a mortgage based on two documents in Sberbank is considered after the provision of papers relating to the collateral real estate. We are talking about the following documentation:

• Certificate of state registration of ownership of the living space;
• Papers that are considered the legal basis for the emergence of such a right (agreement on the purchase of living space, permission to carry out construction work, a gift or exchange agreement, etc.);
• A report from an appraisal company on the market value of living space (the appraisal must be carried out by a specialist from a company that has signed an agreement with Sberbank);
• A certificate from the Unified State Register confirming the absence of encumbrances;
• Cadastral passport of the premises (with explication and house plan);
• Notarized consent of the husband or wife to pledge an apartment or house;
• Marriage agreement (if any);
• A statement that the applicant is not in a family relationship (relevant for single borrowers). This paper must be certified by a notary;
• Permission from guardianship authorities. The document is provided in situations where one of the owners of the premises is a minor.

Sberbank credit experts pay special attention to the legal purity of the transaction. If unauthorized persons are registered in the collateral apartment, they must be registered before making financial transactions. You should not try to deceive bankers. The fraud will quickly be discovered and the unscrupulous borrower will become a defendant in a criminal case.

Requirements for collateral when obtaining a Sberbank mortgage

A mortgage based on two documents in Sberbank is issued to applicants who provide high-quality collateral. The collateral must be in proper technical condition. The credit institution does not accept dilapidated houses and buildings that are subject to demolition as collateral. The collateral must have known liquidity. The credit committee practically does not accept premium housing as collateral, since it is difficult to sell it within an acceptable time frame. Owners of apartments located far from the city center may also encounter certain difficulties.

Real estate located in areas with unfavorable environmental conditions is usually sold at a large discount. The same applies to houses that are located in places with poorly developed infrastructure and a high level of criminal activity. Apartments located on the first and last floors are valued lower than those located on the middle tier. If the client is the owner of a home located in a wooden house, then his loan application will be rejected.

Only buildings with metal or reinforced concrete floors are accepted as collateral. The foundation of the house must be made of stone, brick or reinforced concrete. Sberbank has the right to reject the application of a client who wishes to provide living space located in a five-story panel building as collateral. This is due to the fact that the Government of the Russian Federation has adopted a renovation program, which involves the demolition of Khrushchev-era buildings in the capital and other large cities.

Rooms located in dormitories and communal apartments are not accepted as security. The sale of this property is complicated by the fact that the owner is obliged to obtain the consent of neighbors for real estate transactions. An exception may be made for a borrower who is purchasing the last room in a communal apartment (the remaining premises are already the property of the applicant).

The living space must have all the necessary communications (heating, hot and cold water supply, sewerage, electrical wiring). Premises with a shared bathroom are not accepted as security. If the owner carried out redevelopment of the premises, then it must be legalized in the prescribed manner.

Mortgage under two documents

For a long time, a mortgage has remained a relevant way to profitably purchase real estate when there is a lack of funds. A mortgage is the same as a loan for housing, only the collateral is not guarantors, but purchased or personal property. A mortgage based on two documents from Sberbank, the terms of which attract many clients every year, is a profitable solution from the largest state-owned bank that requires separate consideration. In this material we will consider lending conditions and real customer reviews.

Only salary or corporate clients can take advantage of Sberbank’s simplified lending system. Users receive a number of additional benefits, unlike their counterparts in other banks:

• not only personal property, but also the property of the family or other co-borrowers who have given consent to this can be used as funds for a loan;
• the ability to set up automatic debiting of loan funds every month from a salary card, which saves the client from having to go to the bank or the nearest ATM.

The client must meet the mandatory lending conditions:

1. at the time of applying for a mortgage, your age must be at least 21 years old, but not more than 65;
2. the total work experience must be more than 1 year;
3. you must have worked for more than 6 months in your current position;
4. you must be a payroll or corporate client of the bank.

As you can respond to 2020, Sberbank puts forward simple requirements for its clients. Once you are satisfied that you comply with these conditions, you can proceed to collecting the required documentation. Sberbank mortgage requires two documents to be submitted to the nearest service center:

• passport or other identification document;
• an official application for consent to register the purchased property as collateral. If you want to use already acquired or family property for lending, you need a special certificate with a preliminary assessment of the value and permission to use such property as collateral.

To successfully apply for a mortgage and increase its maximum amount, you must decide on the first payment. The larger this amount, the higher the chance of obtaining a loan under the required conditions. The down payment is a guarantee of the borrower's solvency, similarly with guarantors and the value of the collateral. Sberbank specialists take this fact into account, which may influence the decision to open a mortgage. The interest rate will be discussed in a separate section.

The loan term usually ranges from 10 to 30 years and depends on the specific offer or age of the borrower.

If you are 45 years old at the time of taking out the mortgage, the maximum term will be 20 years. You cannot make payments after your 65th birthday. This is an important fact that is worth considering before contacting Sberbank.

Constantly improving the quality of service and the desire to spread the active use of the virtual control panel have made it possible to apply for a mortgage online. To do this, you need to fill out the appropriate forms containing information about:

1. passport data;
2. the city where you are going to purchase real estate;
3. the amount required for disbursement.

Consideration of your request may take from 2 to 5 business days, after which a specialist will contact you using the contact number you left.

The final mortgage process includes the following steps:

• Filling out a special questionnaire according to a generally established form, which will allow you to find out the possibility of providing a loan and determine a suitable tariff;
• Provide the collected documentation for further consideration and determination of the maximum amount of funds issued;
• Drawing up an official contract, collecting all the necessary signatures and insuring the purchased object, collateral and down payment;
• Issuance of funds and execution of the final purchase and sale transaction.

Mortgage calculator based on 2 documents from Sberbank

As we have already revealed earlier, the opportunity to obtain a simplified mortgage using 2 documents is available exclusively to salary and commercial current clients of the bank. In the corresponding section of the official website there is a well-thought-out loan calculator, with which you can pre-calculate the amount of issue, the amount of contributions and identify overpayments of interest.

The interest rate depends on the offer used and is set automatically.

The following options are available for a simplified mortgage:

1. “Purchase of finished housing” with 3 types of tariffs, depending on the chosen loan term. The interest rate varies from 12 to 12.5%;
2. “Purchase of housing under construction” conditions are identical to the above offer, but the interest rate here is already from 13.5 to 14%.

It is worth noting that violation of the payment rules may lead to a forced increase in the interest rate to 20%. This clause is stated in the official agreement, which is valid throughout the entire loan repayment period.

A mortgage based on 2 documents from Sberbank, reviews of which are predominantly positive, is a profitable solution for people who need to quickly acquire property, but do not have enough funds for a one-time payment.

The credit system is constantly being improved. Thanks to systematized data, the presence of a bank of credit histories, and a well-developed scheme for considering applications from the population for a loan, credit institutions can more quickly and accurately determine the reliability of clients.

The requirements for the package of documents should be less and less. A profitable consumer loan with two documents from Sberbank - is it possible?

Features of loans based on two documents

Credit lines, in which the registration and issuance of a loan are carried out upon presentation of two documents for consideration by the potential borrower, are associated with relatively large risks for the bank.

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Two documents are clearly not enough to ensure the reliability and financial solvency of the future client. Therefore, consumer loans issued under two documents are often accompanied by high interest rates, comparable to express lending programs.

Will there be more offers from Sberbank and other large banks with lending programs based on two documents, and will they become cheaper? Based on the current economic situation, aggravated by Western sanctions, we can assume that no.

Express loans based on one or two documents are aimed at expanding the consumer market. Risks of non-returns are covered by high interest rates and high turnover.

Nowadays, most financially educated people with a stable income try to refuse long-term loans whenever possible - banks are losing potential clients.

This means that it is not possible to expect that losses due to non-returns will be partially covered by high turnover. Consumer loans under two documents will remain, but the interest rate will remain as high.

Program “According to vehicle documents”

At the end of September 2020, Sberbank launched an interesting credit line designed for young and promising clients - “Consumer loan based on vehicle documents.”

Consumer loan from Sberbank according to two documents up to 300 thousand rubles can be issued by virtually any owner of his own vehicle with an MTPL policy.

Documentation

For registration, you only need a Russian passport with registration (temporary is allowed) and documents for a personal vehicle:

• Certificate of registration in the name of the potential borrower;
• MTPL policy issued for this vehicle and valid at the time of issue.

You also need to fill out an application form.

The vehicle must belong to category “B”, its age should not exceed seven years at the time of registration.

Requirements for borrowers

The requirements put forward to potential borrowers are quite flexible.

• Age restrictions: from 21 years and up 55/60 years for women/men respectively. The limit is set in accordance with the date of the last payment under the loan agreement.
• Work experience requirements: duration of at least six months at the last place of work. Also, the potential borrower must have at least one year of experience over the past five years.

Conditions

According to the terms of a Sberbank consumer loan according to two documents, a potential borrower can count on receiving a loan:

• amount from 15 thousand to 300 thousand rubles;
• for a period from three months to five years;
• with a fixed interest rate, component 27% per annum.

How to get

To obtain a loan, you must contact the Sberbank branch at your place of registration.

The conditions, procedure for registration and repayment are as follows:

• The application is considered within two working days from the date the borrower submits documents for consideration.
• You can use the loan within a month from the date of approval.
• The loan amount is transferred after signing the agreement on the same day to the borrower’s personal account or bank card (opened in Sberbank).
• Loan repayment is carried out annuity (equal payments).
• There are no additional fees for early repayment.
• There is a system of fines for late payments, a penalty of 20% per annum, covering the amount of the overdue payment and the period of delay (until the date of payment in full).

Loan for any purpose for payroll clients

Participants in the salary project at Sberbank have special privileges.

Any holder of a salary card, on which, in addition to the current salary, a pension can be accrued, can apply for a consumer loan from Sberbank not with two documents, but with just one - a passport, on favorable terms with a reduced interest rate of up to three million rubles.

An amount of up to ten million rubles can be issued under the “Consumer loan for real estate pledge” program, also on preferential terms, without the tedious collection of documents related to confirmation of income.

Special conditions for unsecured consumer loans for payroll clients are as follows:

Sometimes a home mortgage is the only way to solve financial problems. Find out what it is, how it is similar to a consumer loan and what the differences are.

The conditions for a consumer loan are described in the ICD.

Is it profitable to take out a consumer loan for pensioners under 75 years of age from Sberbank? Answer .

conclusions

Sberbank, like any other bank in our country, is interested in attracting new clients. He develops and introduces new credit products that allow him to resolve temporary financial difficulties on conditions that are fairly easy and friendly for a potential client.

The most comfortable conditions have been created for the bank’s regular clients participating in the salary project.