Sample application form for home loan. Application form for a home loan from Sberbank
Reading 6 min. Views 75 Published on 22.08.2018
Almost every adult Russian faced in his life with the need to apply for a loan. The most complex and time-consuming in registration is a loan issued for the purchase of housing. Mortgage is not only distinguished by increased requirements for consideration and approval of the candidacy, but also by strictness in terms of collecting and processing documents.
Sberbank under the conditions of taking mortgage loan requires the preparation of an initial questionnaire. This document is quite voluminous, full of many questions. A future borrower needs to know that a correctly completed application form for a Sberbank mortgage increases the chances of obtaining approval for a loan from a bank.
In case of difficulties in filling out the questionnaire, you should contact the bank employeesWhy do you need a mortgage loan application?
In order for Sberbank to quickly consider the submitted application and issue a verdict on the loan, the client needs to submit a package of documents, the list of which includes this application form. In this document, the future borrower expresses a desire to take a loan and provides the lender with detailed information about himself.
When connecting to a co-borrower to receive a loan, he will need to fill out the same questionnaire. Both applications can be printed by filling in in electronic format and attach to the rest of the package of documents.
Rules for filling out an application form
The application for a mortgage is a letterhead. It is designed to be self-filling. That is why you should know how to fill out an application form for obtaining home loan Sberbank, taking into account all the existing nuances. This document consists of five full pages that the client fills out and an additional sheet intended for marking Sber employees.
In the header of the application, the future borrower / co-borrower indicates the current status, and then carefully and accurately fill in the rest of the columns. The Sberbank mortgage application form includes the following items:
- The status of a person in the procedure for applying for a loan (borrower, co-borrower, guarantor or pledgor).
- All personal data: own and passport. If there was a change in surname, you should indicate the previous one, and if you have a passport, check a certain box.
- Phones. Moreover, it is necessary to enter all available ones (home, cellular, work).
- Address of actual residence, indicating registration (permanent or temporary).
- Information about existing relatives (husband/wife, children). This paragraph records the metrics of those persons who are related, but do not live together.
- Job. All information about the organization where the future borrower works (full name of the company, its address, contacts), type of employment: full / part-time and seniority at this duty station.
- Yield. This item will talk about the level of income of the client. The salary of both spouses is indicated. You also need to confirm the information provided. It is necessary to separately prescribe the level of regular expenses (fees, rent, other existing payments). By the way, the cost of utilities and other types of household payments are not taken into account.
- Other property owned by the couple. If this is real estate, the year of purchase of housing, cost and area are specified. For motor vehicles, registration information of the vehicle is required.
- A separate item specifies the availability of salary or pension card from Sberbank. It is worth knowing that the owners of this plastic are entitled to benefits when applying for a loan, and the chance of obtaining approval also increases.
- Other data of the future borrower ( insurance policies, existing or closed loans).
- The date the document was created.
- Characteristics of the loan being issued (loan amount, type mortgage lending, expected maturities, cost of acquired residential property). Here, the wishes of the client regarding down payment on a loan, and on what basis it is desirable to draw up a payment schedule.
The future borrower also indicate on the completed questionnaire his consent to the processing of all data (including personal data). This clause comes into force at the moment of signing the document and remains in force for 5 years. But the borrower has the right to withdraw consent to the processing of personal information when submitting a written application to the bank.
The accuracy and completeness of all the information provided in the application form significantly increases the chances of the bank approving the loan application.
Required documents for a mortgage
All information submitted and specified in the application-questionnaire for a mortgage must be accurate and reliable. Sberbank carefully checks all the information and, if the slightest inaccuracy is found, gives a refusal. Be sure to fill out all the points of the application, Sber does not accept half-empty papers for consideration. It will also be useful for a future borrower to learn some recommendations that can increase the chance of loan approval:
- it is better to indicate in the loan amount increased from the required amount (usually the bank then lowers this limit);
- it is impossible to fill in those columns that are intended to be filled in by other persons (guarantors / co-borrowers);
- when changing the surname, be sure to report the previous one (this is necessary for the bank to check the existing credit history);
- do not hide the existing marital status, be sure to indicate information about the spouse, since a married couple can become co-borrowers, and close relatives in this role increase the chances of loan approval;
- in the columns of the application, you cannot write “no” or put a dash, it is better to leave such items blank.
Where can I get a questionnaire
Before filling out the document, you can familiarize yourself with how the application should look like. A sample of filling out a questionnaire at Sberbank for a mortgage can be asked for consideration from a bank employee or viewed on the Internet. And the application form itself can be downloaded, pre-filled on a computer and printed.
Mortgage application form
Getting the form at the bank office
If there are unclear points on filling out this important document, it is better to take the application form from the bank itself. At the same time, preliminarily clarify all unclear points. Moreover, it is allowed to fill out the document by another person (and a bank employee). It is important that all information provided be accurate and accurate.
Download sample from internet
The bank is allowed to fill out the questionnaire in electronic form. To do this, you can use the following options:
- Copy the completed application form to a PC, fill it out and print it.
- Fill out the questionnaire in electronic form (for example, on the DomClick website, with which you can easily choose a mortgage housing option). It is impossible to download and print such an application, the questionnaire is filled out and immediately sent to the destination.
- On the official portal of Sberbank-Online. For this you need to have plastic card issued by Sberbank and registration on the site.
Application form for a housing loan from Sberbank: sample filling
In principle, there is nothing difficult to correctly and accurately fill in all the available columns of the application in neat handwriting. But, if the future borrower has unclear points, it is worth referring to the already existing sample questionnaire. It looks like this:
A sample of a completed application form
conclusions
To registration primary document Mortgage loans must be approached very responsibly. The extensiveness of the questionnaire can cause some difficulties in its execution, so it is better to keep a sample application at hand. By the way, you can print it in advance and, focusing on it, proceed to fill out the document.
If it is necessary to issue a loan of any purpose, the client must provide complete information about himself. This happens through filling out a questionnaire for a loan at Sberbank.
Today, the bank offers its customers a whole line of loan products for various occasions.
Application-questionnaire for a loan from Sberbank is standard form on six pages. Any citizen has the right to enter data into it: a borrower, a guarantor, an authorized representative, a bank employee in writing or in printed form (using software). All sections must be filled in, it is not permissible to skip columns. If there are corrections, they must be accompanied by the signature of the person to whom they relate.
The first thing a client needs to do is to choose a loan option. For the convenience of borrowers, a single version of the form is provided for providing information about themselves, regardless of what type of loan is being issued - a mortgage, a car loan or any consumer loan. Five pages relate to data about the borrower himself, and only the sixth page indicates wishes regarding the type and parameters of the loan:
- The desired amount;
- Currency;
- Duration of interaction;
- Type of loan: consumer, mortgage, car loan.
- Description of the characteristics of the selected option: loan without collateral, secured, with a guarantee, for personal subsidiary farm or brand, type, year of manufacture of the car. With a mortgage - ready, for construction, according to NIS; description of the property and its value.
- Option for obtaining a loan: to an existing account (enter the number) or you need to open a new one.
Sample forms of questionnaires and applications for a loan at Sberbank
Its sample can be obtained in advance and familiarized with all sections. What should you definitely pay attention to? In several places, it is required to confirm the specified information with a personal signature. This applies to the following:
- After providing personal information and characteristics;
- As confirmation that all data is true and up-to-date;
- Identification of the selected type of loan.
A future borrower can download a form to fill out on the official website banking institution
Required documents for obtaining a loan
If you download the form in advance, you can enter all the data about yourself in comfortable conditions. This will avoid errors and will favorably affect the correct presentation of information. Since it must be provided in the maximum volume, certain documents will be required:
- The passport ;
- Labor book;
- personal income tax-2;
- Property papers;
- retirement cards, wages if accruals are made through this bank.
The same documents will be needed if you decide to apply at a bank branch in person. This option makes it possible to use the help of an employee in difficult moments.
<Кредит на покупку автомобиля заполняется в аналогичной анкете, где указывается графа Автокредит
The procedure for filling out the questionnaire
The procedure for filling in the data of the future borrower does not cause any particular difficulties. The form contains the following main points:
- Role in the program (borrower, guarantor, co-borrower).
- Personal and passport information. Subject to its change (last name, first name), it is necessary to note the previous ones and the reason that caused it.
- Contacts. It is recommended to leave the maximum number of phone numbers, because this contributes to the acceleration of the analytics process and decision making.
- Education.
- Addresses (residence, registration).
- Marital status, next of kin. It is considered mandatory to enter information about the spouse, about other relatives - if desired. If among them there is an employee of Sberbank, you should indicate the branch or branch where he serves.
- Information about the employer, field of activity, position held, length of service. If this is a bank application form for obtaining an individual entrepreneur loan, you need to check the appropriate box.
- Financial data: salary income, additional, total family budget, fixed expenses.
- Property. Description of the apartment, house or car. Detailed specifications required. It is worth noting that you need to submit information only about those objects in the property documents for which the borrower himself is indicated.
- Card numbers for the payment of pensions or wages (if any).
Before the Sberbank application form for obtaining a loan is signed, the form must be checked again. The client must put a mark that indicates his responsibility for providing false or irrelevant information. It is worth reading the text on 4-5 pages, which describes the reasons for using the data.
In the case of mortgage lending, in the questionnaire you need to select the item Housing loan
After that, you should enter your credit number to check the history of previous loans through a credit bureau. Having put down the date and time, you should transfer it to the employee, who is obliged to confirm its receipt with a personal signature. This will be evidence that the information about the applicant is being processed.
Purchasing a home through a mortgage is a responsible step that requires a thoughtful and serious attitude. To apply for this banking product, you need to decide on a loan program, fill out an application, collect documents, and, most importantly, realistically calculate your economic and physical safety margin and take into account possible risks.
After making a well-considered decision, you can proceed to the consideration of mortgage programs offered by the Savings Bank of the Russian Federation. At the moment, the bank offers a variety of mortgage loans, such as "Acquisition of finished housing", "Promotion for new buildings - a rate of 12%", "Acquisition of housing under construction", "Mortgage plus maternity capital", "Construction of a residential building", "Country real estate ”, “Military mortgage”. They offer interesting interest rates, no fees, personal approach, advantageous offers for certain categories of clients (young families, salary borrowers, and others), the possibility of attracting guarantors. The conditions under which mortgage products are provided differ in amounts, rates, terms and other conditions. But there are also general requirements:
1. Age limit for applying - from 21 to 75 years (as of the date of loan repayment);
2. Documented work experience:
At the current place - from 6 months and more;
- at least one year of total experience over the past 5 years - does not apply to payroll clients of the Security Council of the Russian Federation.
To increase the size of the loan, you may have to seek help from guarantors or ensure the availability of collateral.
The procedure for reviewing and obtaining approval for a loan takes some time. You need to start by filling out a questionnaire, on the basis of which the bank ultimately makes the final decision. So, it is necessary to correctly, meaningfully and unmistakably fill it out.
How to fill out a mortgage application form?
The mortgage loan application is one of the main points taken into account by a financial institution when satisfying an application. Therefore, it is important to frame it correctly and truthfully. Here are the important criteria:1. Honesty is a rule that must be observed when answering questions. In case of providing false and/or incomplete data, it is likely to be refused. After all, the bank has many different channels and sources to verify information.
2. Accuracy. Often, typos in personal data (name, phone numbers, company name, etc.) lead to a negative decision on a loan. Due to technical errors, the bank's security department cannot verify the accuracy of the information provided by the client. Therefore, especially scrupulously check all the information with the documents.
3. Sufficiency of information. When providing a mortgage, both you and the bank operate and risk large sums, therefore, by providing an uninformative questionnaire, be prepared for a negative result.
4. The amount and duration of the mortgage. At this point, after weighing your financial capabilities, it is necessary to indicate the specific amount and period of lending as accurately as possible. It should be borne in mind that the bank will also evaluate the above criteria from its own considerations. And force majeure circumstances cannot be discounted. For example, the period when you become insolvent, temporarily or permanently.
Rules for filling out a mortgage application form
The application form for obtaining a mortgage borrower has its own characteristics in each financial institution.Sberbank offers several options for filling out an application. This can be done at the SB branch yourself or with the help of a loan manager. The second option - the form is downloaded on the bank's website and filled out manually or electronically. In the case of handwritten questionnaires, only blue / black ink and well-read block letters are used.
It is advisable to avoid typos and inaccuracies in the questionnaire, but, in extreme cases, it is permissible to make corrections, assuring them with the signature of the person whose data was corrected.
Registration of the questionnaire by a third party is allowed. In this case, special care is required when checking the document, since you sign under it and you are responsible for the information.
If co-borrowers or other persons are involved in the transaction, it makes sense to fill out the documents jointly. At the same time, each participant in the transaction provides his own questionnaire.
The application for a mortgage consists of several sections and takes 6 sheets of A4 standard. They can be classified as:
1. Information about the borrower (full name, passport data, information about the composition of the family);
2. Information about the solvency of the client (where and by whom he works, income, property ownership);
3. Information about the requested loan (amount and term);
4. Consent to the processing of personal data.
It is better to figure out what and where to indicate, an example of filling out, which can be taken on the bank's website, will help you. There are also recommendations (in small print) in the questionnaire itself. Making an application will not be difficult if you show attention and accuracy.
1. Role in the proposed transaction. If you are acting as a borrower, tick this box in the left column. The right side (full name) in this case is not filled.
This field contains data only on other parties to the agreement (co-borrowers, guarantors, pledgors).
2. Personal data. In this block, your full name, date and place of birth are filled in, as indicated in the passport. TIN.
IMPORTANT: If you do not have a TIN, it is advisable to obtain it, since your check at the tax office is carried out on it.
3. Passport data. Concentrated and carefully transfer the information from your passport, especially the item “Issued by”. If you have a passport, check the appropriate box.
4. Data on the change of full name. If this fact took place, enter your previous surname, the date when this happened, and the reason (marriage or otherwise). This item is important for checking credit history and the presence (absence) of a criminal record.
5. Contact information. This includes mobile, home, work phone numbers and email address. A large number of numbers, including city numbers, increase your chance of a positive decision.
6. Education. A mark is placed in the corresponding box.
7. Addresses. The address is indicated in full: by registration or temporary and actual. Permanent registration is one of the most important factors. In the “Actual residence” paragraph, the period of stay on it at the time of approval of the application, the status of housing and the address itself, if it is different from registration, are filled in. With temporary registration, the period of its validity is indicated, since the loan is issued only within these time limits.
8. Marital status. A tick is placed in the desired item, the columns "Marriage contract" and "Children" are also filled in.
9. Relatives. This section is quite important. Information on the spouse (wife) is required - the degree of relationship, full name, date of birth. He/she is a co-borrower in the absence of a prenuptial agreement. It is also necessary to fill in data for children, parents, brothers / sisters (if any). These data allow the bank to assess the financial position of the borrower and possible risks.
10. Information about the main work. This part provides information about your status: self-employed, pensioner, employee. In the latter case, it is necessary to enter information about your landlord as reliably as possible (name, TIN, number of employees, type of activity), your work experience in it and the total for the last 5 years, as well as the number of jobs for 3 years. The next block "Monthly income/expenses" reflects your confirmed and additional income for the month and the total - families, as well as recurring expenses such as alimony, tuition fees, payments for executive documents, rent payments, etc., except for personal income tax, repayment of debt obligations, living expenses. It is necessary to approach the indication of these articles reasonably and balancedly, since in the future it will be up to you to repay the payments. You also need to understand that as a result, your monthly income should be at least half the future lease payments.
11. Information about the existing property. If you own housing and / or land, you will need to indicate the region, year of purchase, area and market value. For movable property, a land / water mark, registration number, brand, price, age and year of purchase are affixed. These data will be taken into account when analyzing your financial situation, and as a guarantor of the loan repayment, and as a possible item of additional expenses.
12. Additional information. This indicates cards and accounts opened with Sberbank, and the type of income (salary / pension).
13. Consent to the processing of personal data. In the current block, you need to carefully read everything that is written there, and sign that you agree. You can, of course, disagree, but in this case, the bank will not consider your application.
So with what you still have to agree:
· The information provided by you is true, and you agree to its verification and processing;
· The bank has every right to refuse you without explanation. You understand and are willing to take on the financial risks of a mortgage if approved;
Allow to check your data in the Pension Fund of the Russian Federation by indicating your SNILS;
· You consent to the transfer of your data to mobile operators for verification;
· Give Sberbank permission to check your credit history by providing the code of the subject of the credit history and ticking the appropriate boxes.
You can find out the code as follows: by sending a request to the Central Catalog of Credit Histories (CCCH) by contacting a notary office or a Russian post office where there is a telegraph office, presenting a passport of a citizen of the Russian Federation or other identification document, and paying for the service at the current rate .
There are other ways. You can get help on them from an employee of Sberbank.
At the end of the questionnaire, put the date, time of delivery, your last name, first name, patronymic in full and signature. The employee who accepts documents from you also indicates his full name and signs for receipt.
14. Information about the requested loan product. In this section, you fill in the required amount, currency, term and type of loan, the purpose of the loan and special conditions (none, young family and others), the estimated cost of the acquisition and the amount of equity, the parameters of the property (apartment, room, residential building, cottage and etc.). Choose the option of issuing a loan: a new or existing bank account or a bank card, indicating their details.
Given the practice, it makes sense to overestimate the size of the loan a little, since when a positive decision is made on the loan, the bank issues a smaller amount.
If you wish, you can select the item on consent to receive a credit card of Sberbank of Russia PJSC, if the bank has made this decision.
On the last line, indicate your last name, first name, patronymic and sign.
How to make it easier to fill out a mortgage application form?
In order to speed up and simplify the procedure for applying for a mortgage, it makes sense to pre-collect the necessary papers, clarify certain information and make the necessary calculations.The documents. Prepare papers, the information from which is used in the questionnaire: passport, SNILS, TIN, Sberbank card (if available), account number opened with the Security Council of the Russian Federation, cadastral passport of home ownership or movable property (for the section "Information about property). In addition, you will need a certificate of income 2-NDFL or in the form of a bank, a copy of the work book certified by the employer, and a civil passport. With the participation of co-borrowers in the transaction - the same package of documents from their side. If you work part-time, then it makes sense to take a salary certificate there as well.
Information. You will need data to enter in the "Information about the main work" item. Check with the employer in advance about his details (exact name and taxpayer identification number) and the number of employees in the enterprise. It is also necessary to refresh your memory of how much you have worked in this company, changed jobs over the past 3 years and the total work experience. Your work book will help you with this, a copy of which you will need to issue in the accounting department of your enterprise.
Calculations. First, decide how much mortgage you need and for how long. Approximately this can be done on the site in real time using loan calculators. Then calculate your income, confirmed, undocumented and otherwise (in particular, from renting out property if this information is confirmed by the tax authority), the total family budget, and your fixed expenses for the month.
Contact details. Write down in advance No phone numbers, e-mail address. Do not forget to clarify your postal code at the place of registration and actual residence.
Filling out an application for a mortgage in the Security Council of the Russian Federation is a time-consuming procedure that requires preliminary preparation, attention and thoughtful attitude. You need to soberly assess your capabilities, critically approach your needs, be honest in providing information to the bank. The advantages of the borrower include high income, the presence of property and guarantors, the presence of a spouse. This will increase your chances of a positive result.
Among the factors that reduce the borrower's scores when making a decision to grant a loan, one can mention the presence of loans and delinquency in payments in other financial institutions and dependents, lack of credit history. Much attention is paid to the education of the client, his career prospects. A university degree is an unofficial but highly desirable condition for obtaining a mortgage. “Flyers” - employees who often change jobs can face distrust. Personal business, if only it is a source of income, is also perceived by the bank as a risk factor, preference is given to employees. Difficulties in applying for a loan can cause work associated with professional risk (such as a stuntman). If we summarize the wishes for a mortgage borrower put forward by Sberbank, then a rather curious sketch comes out.
The ideal client is a middle-aged family man with one or two children, a decent income, real estate and vehicles, and family and friends who don't mind helping him. But in the end, everything is determined by the total indicator of a large number of factors. The bank has the right to refuse you a loan without explaining the reasons. Therefore, be prepared for both positive and negative outcomes based on the results of consideration of your application.
The reason for refusal can be various reasons, and not necessarily the amount of your income. Sberbank conducts a thorough comprehensive check of all the information specified in the questionnaire to assess your solvency and loyalty, as well as your own financial risks in all respects.
Please note that you can reapply if a refusal is received no earlier than 60 calendar days later. Therefore, before re-applying for a loan, try to carefully assess the situation, determine the reason why the bank refused you, and eliminate all the shortcomings. In this case, the probability of a successful outcome on the mortgage will be much higher.
Questionnaire of Sberbank for obtaining a loan
In order to get any loan from a bank, you must fill out a special document - an application. This application is submitted to the bank along with the completed application form. Thanks to this, the bank receives not only information that you wish to take out a loan, but also the necessary information about the borrower.
In all banks, the application form looks different. Each bank tries to create its own unique document form. Also, different banks require different amounts of information. Some banks only ask for the most necessary information. Others want to get as much information about the borrower as possible.
This procedure is specified by law, so you can decide for yourself what information to indicate in the application form. In this case, you should know that the larger the amount and the larger the loan you want to receive, the more information about you, the bank will request to make a decision. If you are applying for a mortgage, the more personal information you will need.
You must provide only truthful information!
It is worth paying your attention to the fact that the bank requires only truthful information from you. Filling out the questionnaire for a mortgage loan, indicate only relevant and truthful information. By signing in the questionnaire, you agree with the information provided and are fully responsible for it.
In the event that you are provided with assistance in filling out the questionnaire, before signing, read all the information that will be recorded there. Check that the following information is filled in correctly:
- Passport data;
- Surname Name and patronymic of the borrower;
- Phone number;
- Address, etc.
It is worth considering that all the information that you provide in the questionnaire will be fully verified through various channels. The Bank has every right to do so, since by signing this document, you have automatically given your consent to the subsequent verification of information.
What does a loan application look like?
If you decide to purchase a loan from Sberbank, you need to contact its branch in person. In order to get a loan, provide the bank with an application form and a package of documents. After receiving the application for a loan, a specialist from Sberbank will enter all the information into the database.
The questionnaire for obtaining a loan from Sberbank includes the following items:
- Loan details:
- The loan amount you want to borrow from the bank. Usually, during the consideration of the application, the credit committee reduces it;
- The following indicates the terms for which you expect to take a loan and the purpose of obtaining it;
- At the end, indicate the method by which the loan debt will be repaid. (This is an annuity or differentiated method).
In order to choose which method of repayment will be more profitable for you to pay the loan, contact a specialist.
- Information about the borrower, co-borrowers and guarantors
This item provides information about the borrower. In this paragraph, indicate relevant and honest information about yourself, and about the persons who will help you pay off the debt.
Enter phone numbers, employment information, etc.
It is preferable not to leave fields blank. Since when considering an application, the bank pays attention to these gaps and considers them as hiding important information.
This paragraph indicates the presence of property that is in your ownership (House, apartment, garage, car, etc.). You can enter whatever you own.
Do not be afraid to indicate the presence of this or that property in you. If you cannot repay the loan debt, the bank will claim only the property that was left as a pledge. And the complete absence of their own property may alert the bank.
- Income and expenses of the borrower, co-borrowers and guarantors
In the third paragraph of the questionnaire for a loan, you must indicate your income. You can list all sources of income. This can be income from renting a house or help in cash from relatives. However, only those that can be documented will be taken into account.
- Information about existing loans
The fourth paragraph indicates whether you have other loans and borrowings. In the event that when applying for a mortgage loan, you are already paying off any loan, be sure to indicate this.
If you do not have a large loan debt, it is better to pay it off in full before taking a new one.
If you cannot repay the existing loan at the moment, then it is necessary to ensure its repayment, without any unforeseen circumstances. Since the bank will ask you to provide a loan certificate from the bank where you received it.
This certificate will show if you have had delays in payment, or other unpleasant situations. If you have a tarnished credit history, then you may be denied a mortgage loan.
- Information about the property
This item is important to complete. It contains all the relevant information about the property that will be provided as collateral.
Be sure to include the size of the apartment, address, general condition, price of the apartment, location of the floor, etc.
There are cases when the bank may not like the object of collateral. In this case, you will have to re-apply for a mortgage with a different object of collateral.
At the end of the application form, explain why and for what purpose you are taking out a mortgage. At this stage, all the desired information and requirements are indicated.
The desire of every citizen is to acquire their own housing. The most popular, and sometimes the only way is getting a mortgage loan. There are a sufficient number of programs offering benefits according to certain criteria. Therefore, before making a decision, you should carefully study the entire range of products offered by banks. The next step is the registration procedure, which consists of several stages. The first step will be to draw up an application form for a housing loan from Sberbank. This is an important document that influences the adoption of a positive or negative decision by the staff. To increase your chances, you must correctly enter information in all fields. Below we will analyze in detail all the nuances and subtleties.
It directly depends on the completeness and correctness of the information provided by the client whether they will give a loan. Therefore, it is recommended to adhere to the following rules:
- Honest filling. Debt obligations involve a certain level of trust. Any bank, when issuing large amounts, tries to minimize the risks of non-repayment of funds. Therefore, it is worth providing complete data about your person, without hiding or exaggerating the facts.
- Accurate Information. A common reason for refusal is the inability to verify the information provided due to errors in the company name, surname, dates or phone numbers. It is recommended to enter all the data carefully, checking the correct spelling several times, because even one wrong letter can make it impossible to get a loan.
- Scope of information provided. Issuing large amounts is risky, so it is worth providing the maximum amount of data. Based on them, bank employees will be able to more correctly assess the capabilities of the borrower. Even small details are important when drawing up an application form for a home loan from Sberbank.
- Amount of funds required and repayment period. This point should be considered several times, honestly assess your financial capabilities and, based on this, send a request. It should be borne in mind that bank personnel will also give an objective assessment of the capabilities of customers, based on the information provided. The coincidence of the opinion of the client and the bank almost always gives a positive result.
By adhering to the above principles while filling out documents, you can not only increase your chances, but also soberly assess the need for a loan once again. The main thing is to honestly answer the questions posed to yourself.
A potential borrower has the right to fill out documents, both at a bank branch and independently at home. When compiling in a company, you can use the help of a competent employee who will clarify incomprehensible points and suggest the best way. If the client is not able to enter information on his own due to health reasons or other reasons, the staff will do it for him. A prerequisite is the statement of the signature with one's own hand.
Self-filling requires the presence of a form. Download of the application of the established sample is available here. After that, you only need to print and enter information. Separately, it is worth remembering that an official document is drawn up with a pen with black or blue ink. Handwriting must be legible, letters must be printed. Another possibility is to fill in using a computer. After that, you only need to print and sign.
Corrections in the questionnaire are acceptable only if the applicant's signature is available next to the changed information. The potential client is responsible for the data provided, so it is recommended to check the correctness several times. To leave a favorable impression of yourself, you should avoid corrections; if an error is found, it is better to print a new form and repeat the procedure with greater responsibility.
What does the application form consist of?
The application form for obtaining a housing loan from Sberbank is developed by specialists. The goal is to reduce the risk of loss of funds by the organization. Therefore, the document consists of six sheets. Conventionally, it can be divided into several parts according to the type of information provided:
- Personal data. This includes both individual information of a potential client (name, phone number, residential address), as well as data of next of kin (husband or wife, children, parents)
- Financial position. It indicates the organization and position, term of employment, official income, ownership of property.
- Type of lending. This block indicates the amount of the loan, the terms of repayment.
- Issuance of consent to processing. This paragraph is provided for the legal justification for checking the information provided by bank employees.
To reduce the risk of making an error when entering data, it is recommended to concentrate and perform procedures in a comfortable, quiet environment. For all items in the standard document, hints are provided that you should pay attention to. Additionally, you can ask an employee for clarification or look for recommendations in open sources. Below we will analyze in detail the filling of each block. The step-by-step preparation of the document is as follows:
- The very first question is the expected role of the client in the future transaction. Here it is necessary to mark with a cross the item that is required - the borrower, co-borrower or guarantor. If the applicant positions himself as an applicant for a loan, then the fields on the right are not filled in - they are provided for specifying personal information for guarantors and co-borrowers.
- The surname, name, patronymic, date and place of birth are indicated below. You should make sure that the spelling matches the passport, especially with regard to the place of birth.
- Information about the identity document. Here you should pay attention to the correct transfer of digital values of the passport number. If you have a passport, you must tick the appropriate box.
- Further, the facts of changing personal data in the past are noted. Here it is necessary to indicate the exact date, the correct previous full name, as well as the reason that served as the basis. This block will allow employees to check the timeliness of payments on previous loans of a potential client for the entire period.
- The next item in the application form for a housing loan from Sberbank is the indication of telephone numbers for feedback. Here you need to specify as much as possible, this will make it possible to look like an open and honest person. An important point - a landline phone number will increase the chances of a positive outcome of the enterprise.
- Information about accommodation. The address of the present residence, registration is indicated. It should be noted separately that in the presence of a temporary registration, the maturity is limited by the validity of the registration. It is recommended to take this fact into account in advance and take appropriate measures.
- Social position in society. This block combines education and the presence or absence of marriage. The marriage contract must be ticked separately, the column is located at the very bottom.
- Family ties of a potential client are of great importance when making a decision. This block should be filled out with particular accuracy, providing complete information. First of all, the data of the spouse is indicated. Next - the presence of children, the number and age. Families with one or more children are much more likely to get a mortgage than young and childless families, since the latter are at risk. An addition to the family entails an increase in expenses, which, in turn, is the reason for claiming a deferral of payments on the basis of the laws of the Russian Federation. It also contains personal data of parents, adult brothers and sisters. The presence of a large number of able-bodied relatives increases the chances of a positive decision.
- Labor employment. It is required to indicate the exact place of work. It is necessary to monitor the correct spelling of the name of the organization so that there are no difficulties during verification. It is recommended to find out all the official information in advance. It also provides data on labor activity for the last 3 years. Do not be disingenuous - the information will be subject to thorough verification. Honesty enhances bank credibility.
- Monthly change in financial condition. This block needs the most attention. It reflects the solvency of the client to the bank, and will also allow you to re-evaluate your own capabilities. You will need to indicate the exact amount of official individual income, as well as the amount of funds from additional sources. An important point is recurring costs. This includes rent, utilities, phone bills. The cost of food, clothing and other individual needs does not need to be considered. The last item is an indication of the total monthly income of the family.
- Client's personal property. Owning real estate, a vehicle, a business speaks of reliability and solvency. Therefore, this block of the application form for obtaining a housing loan from Sberbank must be filled out with maximum accuracy.
- Consent to the processing of the information provided. By filling in this field, the client gives the right to bank employees to verify the accuracy of the information.
- The final step is information about the intended purpose of the loan, repayment terms. When filling out this block, you should be honest, first of all, with yourself, and soberly assess your capabilities. It is better to play it safe, indicate a longer period, early closure of debt does not entail penalties.
A mortgage is often the only way to acquire your own square meters. Therefore, filling out an application form for a housing loan from Sberbank is an important step towards achieving the goal. The implementation of the above recommendations will make the procedure easier and more understandable.
The entire process can take a significant amount of time, so it is recommended that you prepare the information provided in advance on a separate medium from which it can be transferred. For greater confidence, you can print several forms and safely fill them out at home without too much fuss. The bank evaluates a potential borrower directly on dry numbers, so you should try to present yourself in the best light.
Download sample applications and certificates for obtaining a mortgage
How to fill out a mortgage application form