A sample of filling out a housing loan application. Application for a housing loan from Sberbank
6 minutes to read Views 75 Posted on 08.22.2018
Almost every adult Russian in his life faced the need to get a loan. The most complex and time-consuming to issue - a loan issued for the purchase of housing. A mortgage is not only distinguished by increased requirements regarding the consideration and approval of candidates, but also by strictness in terms of collecting and processing documents.
Sberbank on the terms of taking a mortgage requires the preparation of an initial application. This document is quite voluminous, full of many questions. A prospective borrower needs to know that a correctly completed Sberbank mortgage questionnaire 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 bankWhy do I need a mortgage application form?
In order for Sberbank to quickly consider the submitted application and issue a verdict on the loan, the client must 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 you connect to receive a co-borrower, he will need to fill out the same form. Both applications can be printed out by pre-filling in electronic form and attached to the rest of the package of documents.
Application Form Application Rules
An application for a mortgage is a letterhead. It is intended for self-filling. That is why you should know how to fill out an application form for a Sberbank housing loan, taking into account all the existing nuances. This document consists of five full pages that are filled out by the client and an additional sheet intended for marks of employees of Sberbank.
In the header of the application, the future borrower / co-borrower indicates the existing status, and then carefully and accurately fill in the remaining columns. The Sberbank mortgage application form includes the following items:
- The status of a person in the process of applying for a loan (borrower, co-borrower, guarantor or pledger).
- All personal data: personal and passport. If there was a change of surname, the previous one should be indicated, and if there is a passport, tick a certain column.
- Phones Moreover, it is necessary to enter all available (home, mobile, work).
- Address of actual residence indicating registration (permanent or temporary).
- Information about existing relatives (spouse, children). This paragraph records the metrics of those individuals 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 place of service are indicated.
- Profitability. This item will talk about the income level of the client. The salary of both spouses is indicated. Confirmation of the information provided is also required. The level of regular expenses (contributions, rent, other existing payments) must also be separately stated. By the way, the costs of utilities and other types of household payments are not taken into account.
- Other property held by the couple. If this is real estate, the year of purchase of housing, cost and area are specified. For vehicles, vehicle registration information is required.
- A separate item specifies the availability of a salary or pension card from Sberbank. It is worth knowing that the owners of this plastic are entitled to privileges when applying for a loan, and also the chance of obtaining approval increases.
- The remaining data of the future borrower (insurance policy, existing or already closed loans).
- Date of compilation of the document.
- Characteristics of the loan being issued (loan amount, type of mortgage lending, expected maturity, cost of acquired residential property). It also specifies the wishes of the client regarding the down payment on the loan, and by what principle it is desirable to draw up a payment schedule.
The future borrower should also indicate on the completed application form his consent to the processing of all data (including personal data). This item takes effect at the time of signing the document and remains valid for 5 years. But in the rights of the borrower to withdraw consent to the processing of personal information when providing the bank with a written application.
The accuracy and completeness of all the submitted information in the application form significantly increases the chances of the bank approving the loan application.
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All information submitted and indicated in the application form for a mortgage must be accurate and reliable. Sberbank carefully checks all the information and, if the slightest inaccuracy is detected, gives a refusal. Be sure to fill out all paragraphs of the application, Sber does not accept half-empty papers for consideration. It will also be useful for a future borrower to find out some recommendations that may increase the chance of loan approval:
- it is better to indicate in the loan amount increased from the required amount (usually the bank then reduces this border);
- it is impossible to fill in those columns that are intended to be filled out by other persons (guarantors / co-borrowers);
- when changing a surname, it is obligatory to inform the previous one (it is necessary that the bank checks the existing credit history);
- not to grind the existing marital status, it is necessary to indicate information about the spouse, as a married couple can become co-borrowers, and close relatives in this role increase the chances of approving a loan;
- it is impossible to write “no” in the columns of the statement or put a dash; it is better to leave such points blank.
Where can I get a questionnaire
Before filling out the document, you can familiarize yourself with what the application should look like. A sample of filling out a questionnaire in Sberbank for a mortgage can be requested from a bank employee or viewed on the Internet. And the application form itself can be downloaded, pre-filled on a computer and printed.
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Receiving a form at a bank office
If there are unclear points on filling out this important document, it is better to take the application form in the bank itself. At the same time, preliminary 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 is accurate and accurate.
Download a sample from the Internet
The bank is allowed to fill out a 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 form in electronic form (for example, on the DomKlik website, with which you can easily choose your own option of mortgage housing). It is impossible to download and print such a statement, the questionnaire is filled out and sent immediately to the destination.
- On the official portal of Sberbank Online. To do this, you must have a plastic card issued by Sberbank and registration on the site.
Application form for a housing loan from Sberbank: sample fill
In principle, there is nothing complicated in order to accurately and accurately fill in all available columns of a statement in a neat handwriting. But, if the future borrower has unclear points, it is worth referring to the existing sample questionnaire. It looks like this:
![](https://i2.wp.com/znaemdengi.ru/wp-content/uploads/2018/08/anketa-na-ipoteku-sberbanka-4.png)
conclusions
The design of the primary document for a mortgage must be approached very responsibly. The vastness of the questionnaire may cause some difficulties in its design, so it’s best 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 necessary, apply for a loan for any purpose, the client must provide full information about himself. This happens by filling out a loan application at Sberbank.
![](https://i0.wp.com/sbankami.ru:443/wp-content/uploads/2016/08/anketa-na-kredit2-1.png)
The application form for a loan from Sberbank is a standard six-page form. Any citizen has the right to enter data into it: a borrower, a surety, a trustee, a bank employee in writing or in print (using software). All sections must be filled in; skipping columns is not permissible. If there are corrections, next to them should be the signature of the person whom they concern.
The first thing a client needs to do is pick up a loan option. For the convenience of borrowers, a single version of the form is provided to provide information about yourself, regardless of what type of loan is issued - a mortgage, car loan or any consumer loan. Five pages relate to data on the borrower himself and only the sixth indicates wishes regarding the type and parameters of the loan:
- The amount of the desired amount;
- Currency;
- Duration of interaction;
- Type of loan: consumer, mortgage, car loan.
- Description of the characteristics of the selected option: a loan without collateral, on bail, with a guarantee, for a personal subsidiary farm or brand, type, year of manufacture of a car. With a mortgage - finished, 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.
Samples of application forms and loan applications at Sberbank
Its sample can be obtained in advance and familiarized with all sections. What should I pay attention to? In several places it is required to confirm the specified information with a personal signature. This applies to the following:
- After indicating personal information and characteristics;
- As confirmation that all data is truthful and relevant;
- Certificate of the selected type of loan.
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Documents required for obtaining a loan
If you download the form in advance, then you can enter all the data about yourself in comfortable conditions. This will avoid errors and will favorably affect the correctness of the information. Since it needs to be provided as much as possible, certain documents will be required:
- The passport ;
- Labor book;
- NDFL-2;
- Property papers;
- Retirement Cards, Salaryif accruals occur through this bank.
The same documents will be needed if you decide to apply at the bank branch in person. This option makes it possible to use the help of an employee in difficult moments.
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Application Form
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 (surname, 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 telephone numbers, as this helps speed up the analytics process and make decisions.
- Education.
- Addresses (residence, registration).
- Marital status, immediate family. It is mandatory to enter information about the spouse, about the rest of the family - at will. If there is an employee of Sberbank among them, 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 for obtaining an IP loan, you need to check the corresponding box.
- Financial data: salary income, additional, total family budget, fixed expenses.
- Property. Description of the apartment, house or car. Detailed specifications will be required. It is worth noting that you need to submit information only about those objects in the property documents to which the borrower himself is indicated.
- Card numbers for pension or salary payments (if any).
Before a Sberbank application is signed for a loan, the form must be checked again. The client must put a mark, which indicates his responsibility in the provision of false or irrelevant information. It is worth reading the text on 4-5 pages, which describe the reasons for using the data.
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Then you should enter your credit number to check the history of previous loans through the credit bureau. Having put down the date and time, it should be transferred to an employee who is obliged to confirm its receipt by personal signature. This will be evidence that the information about the applicant is being accepted for processing.
The acquisition of housing through a mortgage is a crucial step requiring a thoughtful and serious relationship. To apply for this banking product, you need to decide on a loan program, fill out an application, collect documents, and, most importantly, really calculate your economic and physical margin of safety and take into account possible risks.
After making a deliberate decision, you can proceed to consider the mortgage programs offered by the Savings Bank of the Russian Federation. Currently, the bank offers a variety of mortgages, such as “Acquisition of finished housing”, “Promotion for new buildings - 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, lack of fees, a personal approach, advantageous offers for certain categories of clients (young families, salary borrowers and others), and the possibility of attracting guarantors. The conditions under which mortgage products are provided differ in amounts, rates, terms and other conditions. But there are general requirements:
1. Age qualification for circulation - from 21 years to 75 years (on the date of loan repayment);
2. Documented work experience:
At the current place - from 6 months or more;
- At least one year of seniority over the past 5 years - does not apply to salary clients of the Security Council of the Russian Federation.
To increase the size of the loan, you may have to turn to guarantors for help or ensure the availability of collateral.
The process of reviewing and obtaining approval for a loan takes some time. You need to start by filling out the questionnaire, on the basis of which, the bank ultimately makes the final decision. Therefore, it is necessary to correctly, informatively and accurately fill it.
How to fill out a mortgage application form?
A mortgage loan application is one of the main points that a financial institution takes into account when satisfying an application. Therefore, it is important to formalize it correctly and truthfully. Here are the important criteria:1. Honesty - a rule that must be observed when answering questions. In the case of providing false and / or incomplete data, it is likely to receive a refusal. After all, the bank has many different channels and sources for checking information.
2. The accuracy. Often, clerical errors in personal data (name, phone number, company name, etc.) lead to a negative decision on the loan. Due to technical errors, the bank's security department cannot verify the accuracy of the information provided by the client. Therefore, carefully verify all the information with the documents.
3. Sufficiency of information. When granting a mortgage, both you and the bank are operating and risking large amounts of money, therefore, by submitting an uninformative questionnaire, be prepared for a negative result.
4. The size and duration of the mortgage. In this paragraph, having weighed your financial capabilities, it is extremely correct to indicate the specific amount and period of the loan. It should be noted that the bank will also evaluate the above criteria from its own considerations. And force majeure cannot be discounted. For example, the period when you are insolvent, temporarily or permanently.
Rules for filling out a mortgage application
The application form for obtaining a mortgage of the borrower has its own characteristics in each financial organization.Sberbank offers several options for processing an application. It is possible to do this in the SB department 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 filling of the questionnaire, only blue / black ink and well-readable printed letters are used.
It is advisable to avoid descriptions and inaccuracies in the questionnaire, but, in extreme cases, it is permissible to make corrections by assuring them with the signature of the person whose data has been adjusted.
Registration of the questionnaire by a third party is allowed. In this case, special care is required when checking the document, since you subscribe to it and are responsible for the information you.
If co-borrowers or other persons are involved in the transaction, it makes sense to fill out the documents together. At the same time, each participant in the transaction provides his profile.
An application for a mortgage consists of several sections and occupies 6 sheets of A4 standard. They can be classified as:
1. Data on the borrower (name, passport data, information on the composition of the family);
2. Information on the solvency of the client (where and by whom he works, income, property owned);
3. Information on the requested loan (amount and term);
4. Consent to the processing of personal data.
It’s better to understand what and where to indicate, an example of filling, which can be taken on the bank’s website, will help you. There are still recommendations (in small print) in the questionnaire itself. Making a statement will not be difficult if you show attention and accuracy.
1. The role in the proposed transaction. If you act as a borrower, mark this cell in the left column with a “bird”. The right side (name) in this case is not filled.
This field contains data only on other parties to the agreement (co-borrowers, guarantors, mortgagors).
2. Personal data. In this block, your name, date and place of birth are filled in, as indicated in the passport. INN
IMPORTANT: If you do not have a TIN, it is advisable to get it, because it is used for your verification at the tax office.
3. Passport data. Concentrate and carefully transfer information from your passport, especially the item “Issued by”. If you have a passport, check the corresponding box.
4. Data on the change of name. If this fact took place, enter your previous name, date when it happened, and the reason (marriage or otherwise). This item is important for checking the credit history and the presence (absence) of a criminal record.
5. Contact information. It shows your mobile, home, work phone and email address. A large number of rooms, including city numbers, increase your chance of a positive decision.
6. Education. Put a mark in the appropriate box.
7. Addresses. The whole address is indicated: at registration or temporary and actual. Permanent registration is one of the most important factors. In the paragraph “Actual residence”, the time spent on it at the time of sighting the application is filled in, the status of the housing and the address itself, if it is different from registration. During temporary registration, its validity is indicated, since a loan is issued only within these time limits.
8. Marital status. A check mark is put in the necessary paragraph, the columns “Marriage contract” and “Children” are also filled.
9. Relatives. This section is important enough. Be sure to enter information on the spouse (spouse) - the degree of relationship, name, date of birth. He / she is a co-borrower in the absence of a prenuptial agreement. It is also necessary to fill in the 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 population, senior citizen, employee. In the latter case, it is necessary to make the most reliable information about your landlord (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 income for families, as well as recurring expenses such as child support, tuition fees, payments under executive documents, rent payments, etc., with the exception of PIT, repayment of debt, living expenses. These articles should be approached reasonably and carefully, since it is up to you to repay the payments in the future. You also need to understand that in the end, your monthly income should be at least half the amount of future lease payments.
11. Information on the available property. If you own housing and / or land, you will need to indicate the region, year of acquisition, area and market value. For movable property, the mark is land / water, registration number, brand, price, age and year of acquisition. These data will be taken into account when analyzing your financial situation, both as a guarantor of loan repayment and as a possible item of additional expenses.
12. Additional information. Here are indicated the 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 reliable, and you agree to its verification and processing;
· The bank has the full right to refuse you without giving reasons. You are aware and ready to take on financial risks on a mortgage if approved;
· You allow checking your data in the RF PF by specifying your SNILS;
· You agree to the transfer of your data to mobile operators for verification;
· Give Sberbank permission to check your credit history by providing the subject code of the credit history and ticking the corresponding fields.
You can find out the code as follows: by sending a request to the Central Directory of Credit Histories (CCCH) by contacting a notary office or post office in Russia where there is a telegraph, presenting a passport of a citizen of the Russian Federation or another identification document, and paying for the service at the current tariff .
There are other ways. You can get help with them from an employee of Sberbank.
At the end of the questionnaire, put the date, time of delivery, your last name, first name, middle name in full and painting. The employee who accepts documents from you also indicates his name and signs the receipt.
14. Information about the requested loan product. In this section you fill in the required amount, currency, loan term and type, purpose of the loan and special conditions (absent, young family and others), estimated acquisition cost and size of your own funds, parameters of the property (apartment, room, apartment building, cottage and etc.). Choose the option of issuing a loan: a new or existing bank account or bank card with their details.
Considering the practice, it makes sense to overstate the loan amount, because when making a positive decision 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, middle name and sign.
How to facilitate filling out a mortgage application form?
In order to speed up and simplify the procedure for applying for a mortgage, it makes sense to first collect the necessary papers, clarify certain information and make the necessary calculations.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 “Property Information). 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 common passport. When participating in the transaction, co-borrowers - the same package of documents on their part. If you work part-time, it makes sense to get a salary certificate there.
Information. You will need the data to enter in the item "Information about the main work". Check in advance with the employer about his details (exact name and tax identification number) and the number of employees in the enterprise. It is also necessary to refresh in memory how much you worked in this company, changed jobs over the past 3 years and the total length of service. Your workbook will help you with this, a copy of which you will need to draw up in your company's accounting department.
The calculations. First, decide how much you need for a mortgage and for how long. Approximately this can be done on the site in real time using credit calculators. Then count your income, confirmed, undocumented and other (in particular, from the rental of property in the case of confirmation of this information by the tax authority), the total family budget, and your fixed expenses for the month.
Contact details. Write down in advance the phone number, email address. Do not forget to check your zip 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 procedure that takes some time, requiring preliminary preparation, attention and a thoughtful attitude. It is necessary to soberly assess your capabilities, critically approach your needs, be honest in providing the bank with information. The advantages to the borrower include high income, the availability 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 points when deciding on a loan, one can mention the presence of loans and delinquencies in payments at other financial institutions and dependents, and the absence of a credit history. Much attention is paid to the education of the client, his career perspective. A university diploma is an unofficial, but very desirable condition for obtaining a mortgage. Distrust may be encountered by “flyers” - employees who often change jobs. Personal business, if it is only a source of income, is also perceived by the bank as a risk factor, preference is given to hired employees. Difficulties in applying for a loan can be caused by work associated with professional risk (such as a stuntman). If we summarize the wishes of the mortgage borrower put forward by Sberbank, then a rather interesting sketch comes out.
An ideal client is a middle-aged family man with one or two children, worthy earnings, real estate and vehicles, and the presence of relatives and friends who do not 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 a positive and a negative outcome following the consideration of your profile.
Various reasons may serve as a reason for refusal, 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 its 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 mortgage outcome will be much higher.
Sberbank application for a loan
In order to get any loan at the bank, you must fill out a special document - an application. This application is submitted to the bank together with the completed application form. Thanks to this, the bank receives not only information that you wish to take 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 form of document. Also, different banks require a different amount of information. Some banks request only the most necessary information. Others want to get as much information as possible about the borrower.
This procedure is stipulated by law, so you can decide for yourself which 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 get, the more information about you, for a decision, the bank will ask. In the event that you are applying for a mortgage, the more personal information you will need.
Only truthful information must be provided!
It is worth paying your attention to the fact that the bank requires from you only truthful information. When filling out a mortgage application form, indicate only relevant and true information. By signing in the questionnaire, you agree to the information that you indicated and bear full responsibility for it.
In the event that you are provided with assistance in completing the questionnaire, before signing, read all the information that will be recorded there. Verify that information such as:
- Passport data;
- Surname Name and Patronymic of the borrower;
- Phone number;
- Address, etc.
It is worth considering that all the information that you state in the questionnaire will be fully verified through various channels. The Bank has every right to do so, since by putting a signature on this document, you automatically gave your consent to the subsequent verification of information.
What does a loan application look like?
If you decide to purchase a loan at 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 a loan application, a specialist from Sberbank will enter all the information into the database.
An application for a loan at Sberbank includes the following items:
- Information about the loan:
- The loan amount you want to borrow from the bank. Usually, during the consideration of the application, the credit committee reduces it;
- The following is the time frame for which you expect to take out a loan and the purpose of obtaining it;
- At the end, indicate the method by which credit indebtedness will be repaid. (This is an annuity or differentiated way).
In order to choose which repayment method it will be more profitable for you to pay a loan, contact a specialist.
- Information about the borrower, co-borrowers and guarantors
This clause provides information about the borrower. In this paragraph, indicate current and honest information about yourself, and about the people who will help you in paying off the debt.
Indicate phone numbers, employment information, etc.
It is preferable not to leave the fields blank. Since when considering the application, the bank pays attention to these gaps and considers them as hiding important information.
This paragraph indicates the presence of property in your property (House, apartment, garage, car, etc.). You can enter everything that you own.
Do not be afraid to indicate whether you have this or that property. If you cannot repay the loan debt, the bank will apply only for the property that was left in the pledge. A complete lack of own property may alert the bank.
- Income and expenses of the borrower, co-borrowers and guarantors
In the third paragraph of the application for a loan, you must indicate your income. You can specify all sources of income. This can be income from renting a house or help with cash from relatives. However, only those that can be documented will be taken into account.
- Information on existing loans
The fourth paragraph indicates whether you have other loans. In the event that when applying for a mortgage loan, you are already paying any loan, be sure to indicate this
If you do not have a large loan debt, it is better to pay it in full, before taking a new one.
If you cannot repay the existing loan at the moment, then you need 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 help will show if you had delays in payment, or other unpleasant situations. If you have a tarnished credit history, then you may be denied a mortgage.
- Property Information
This item is important to fill out. It indicates all relevant information about the property, which will be provided as a pledge.
Be sure to indicate the size of the apartment, address, general condition, price of the apartment, floor location, etc.
There are times when a bank may not like a collateral object. In this case, you will have to re-apply for a mortgage with another collateral.
At the end of the application form, explain why and for what purpose you take 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 to get a mortgage. 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. Next, the procedure for registration, which consists of several stages. The first step will be to draw up a housing loan application form from Sberbank. This is an important document that affects the adoption of a positive or negative decision by staff. To increase your chances, you must correctly enter information in all fields. Below we will analyze in detail all the nuances and subtleties.
The completeness and correctness of the information provided by the client directly depends on whether they will give a loan. Therefore, it is recommended to adhere to the following rules:
- Honest filling. Debt obligations require a certain level of trust. When issuing large amounts, any bank tries to minimize the risks of non-return of funds. Therefore, it is worth providing complete data about your person without concealing 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 several times the spelling, because even one incorrect letter can cause the inability to obtain a loan.
- The amount of information provided. The issuance of large amounts is fraught with risk, so you should provide 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 a housing loan application form from Sberbank.
- Amount of cash required and maturity. This item 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 staff will also give an objective assessment of the capabilities of customers based on the information provided. The coincidence of the opinions of the client and the bank almost always gives a positive result.
Adhering to the above principles while filling out documents, you can not only increase your chances, but also once again soberly assess the need for a loan. The main thing is to honestly answer the questions posed to yourself.
A potential borrower has the right to fill out documents both at the bank branch and at home alone. When compiling in the company, you can take the help of a competent employee who will explain obscure points and tell you the best way. If the client is unable to enter information on his own for health reasons or other reasons, then the staff will do it for him. A prerequisite is the signing of your own signature.
Self-completion requires a form. Downloading an application of a standard form is available here. After that, you only need to print and enter the information. Separately, it is worth remembering that the official document is drawn up with a pen with black or blue paste. Handwriting should be legible, letters - printed. Another possibility is to fill in using a computer. After you only need to print and sign.
Corrections in the questionnaire are acceptable only if the applicant has a signature next to the changed information. A potential customer is responsible for the data provided, therefore it is recommended to check the correctness several times. To leave a favorable impression about yourself, you should avoid corrections; if you find an error, it is better to print a new form and repeat the procedure with greater responsibility.
What does the application form consist of?
An application for a housing loan from Sberbank is being developed by specialists. The goal is to reduce the risk of losing money by the organization. Therefore, the document consists of six sheets. It can be conditionally divided into several parts according to the type of information provided:
- Personal data. This includes both the individual information of the potential client (name, telephone number, address of residence), as well as the data of the next of kin (spouse, 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 size of the cash loan, the repayment period.
- Issuance of processing consent. This clause is provided for the legal justification of the verification of the information provided by bank employees.
To reduce the risk of making mistakes when entering data, it is recommended to concentrate and carry out procedures in a comfortable, quiet environment. For all items in the standard document provides tips that are worth paying attention to. Additionally, you can seek clarification from an employee 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 intended role of the client in a 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 a loan applicant, then the fields on the right are not filled out - they are provided for indicating personal information for guarantors and co-borrowers.
- Surname, first name, middle name, date and place of birth are indicated below. It should be ensured that the spelling matches the passport, especially for the place of birth.
- Identity document information. Here you should pay attention to the correct transfer of digital values \u200b\u200bof the passport number. If you have a passport, you need to check the corresponding item.
- The following are facts of a change in personal data in the past. Here you must specify the exact date, the correct previous name, also 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 paragraph of the application 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 fixed telephone number will increase the chances of a positive outcome for the company.
- Information about the residence. The address of the present stay, registration is indicated. It should be separately noted that in the presence of temporary registration, the maturity is limited by the registration. It is recommended to take this fact into account in advance and take appropriate measures.
- The social situation in society. This unit combines education and the presence or absence of marriage. The marriage contract must be checked separately, the column is located at the very bottom.
- Family relationships of a potential client are of great importance when making a decision. This block should be filled with extreme accuracy, providing complete information. First of all, the data of the spouse or spouse are indicated. Next - the presence of children, number and age. Families with one child or more have a much higher chance of getting a mortgage than young and childless children, since the latter are at risk. An addition in 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. The personal data of parents, adult brothers and sisters are also indicated here. The presence of a large number of able-bodied relatives increases the chances of a positive decision.
- Employment The exact place of work is required. It is necessary to follow the correct spelling of the name of the organization, so that there are no difficulties during the verification. It is recommended to find out all official information in advance. Employment data for the last 3 years is also provided. Do not be cunning - the information will be subject to careful verification. Honesty boosts bank confidence.
- Monthly change in financial condition. This block requires the most attention. It reflects the solvency of the client to the bank, and also allows you to once again evaluate their own capabilities. You will need to indicate the exact amount of official individual income, as well as the amount of cash from additional sources. An important point is recurring costs. This includes payment of rental housing, utilities, telephone. The costs of food, clothing and other individual needs need not be considered. The last paragraph is an indication of the total monthly family income.
- Personal property of the client. Ownership of real estate, vehicle, business speaks of reliability and solvency. Therefore, this block of the application for a housing loan from Sberbank is required to be filled out with maximum accuracy.
- Consent to the processing of the information provided. Filling this field, the client gives the right to the bank employees to verify the accuracy of the information.
- The final step is information about the purpose of the loan, maturity. When filling out this block, you should be honest, first of all, before yourself, and soberly assess your capabilities. It is better to play it safe, indicate a longer period, early closure of the debt does not entail penalties.
Mortgages are often the only way to acquire your own square meters. Therefore, filling out a housing loan application form 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 whole process can take a considerable period of time, therefore, it is recommended to prepare the provided information in advance on a separate medium from which it can be transferred. For greater certainty, you can print several forms and calmly fill them at home without too much fuss. The bank evaluates a potential borrower directly by dry numbers, so you should try to present yourself in the best possible light.
Download sample applications and certificates for obtaining a mortgage
How to fill out a mortgage application form