What construction companies does Sberbank work with? Was this page helpful? Where to get and make loan installments
Have you decided to buy an apartment, but are confused? Housing is necessary, but how to choose “the right one”? This is a crucial step, because buying an apartment is often accompanied by a mortgage, which will have to be paid for several decades.
It is also important that real estate purchased with a mortgage is quite difficult to exchange or sell. Therefore, you will have to put up with ill-conceived planning or noisy neighbors.
But there is a way out of this situation - to use the list of new buildings accredited by Sberbank.
What are the benefits of accredited new buildings for the buyer?
Important! If a residential building was put into operation, it is no longer considered a new building. Despite the fact that the apartments are still empty, the construction is at the final stage, this is already secondary housing.
Consequently, when applying for a mortgage, different conditions and interest rates will apply.
A new building is a house that has not yet been recognized as suitable for habitation. government bodies... This can be a foundation pit, a concrete box, or a house at the finishing stage.
Will it be completed? Will they be allowed to live there? How to make the right decision, because monthly payments are large, and there will be no second chance? Sberbank knows the answers.
Important! Accredited developers of Sberbank are reliable construction companies that have been on the market for many years, which deliver construction projects on time and eliminate the inevitable shortcomings of residential premises quickly and without litigation.
It is much easier for the largest bank in our country to check the reputation of a developer than for an average person. Therefore, the base of accredited new buildings of Sberbank allows you to minimize the risks when buying a home.
How are accredited new buildings beneficial for the bank?
Is it going to be commercial financial institution to check the reliability of construction organizations without profit for yourself? Why would he? The point is the essence of the mortgage. After all, it is a loan secured by housing. If there is no housing, then there is no collateral.Consequently, the bank has no guarantees that the issued credit funds they will return to him. Interest rates of any size will not be able to protect a credit institution from losses if the borrower loses a high-paying job, and collateral he doesn't.
Therefore, it is extremely important for the bank that the property is commissioned on time or ahead of schedule, as well as that the residential building is in good condition for the entire period for which the mortgage is issued. Consequently, the interests of the bank and the borrower coincide.
Important! The list of accredited new buildings prepared by Sberbank is not a way to limit the buyer's rights, but a way to reduce the borrower's expenses for renting other housing due to the shortcomings of an apartment issued on a loan.
Features of purchasing housing in an accredited new building
They are positive and reflected in the following:Reduced interest rate, which in about 1 year allows you to accumulate for 1 monthly payment;
Prompt approval of the loan - the developer has already been checked, it remains only to check the borrower;
New buildings accredited by Sberbank - this is the confidence that housing will start to please in a short time, and the joy will last for many years.
The bank does not put forward additional requirements, in contrast to the cases of purchasing non-accredited real estate. Thus, the borrower's concern is to provide housing with warmth and comfort, and Sberbank's concern is to help purchase this housing.
Decided to buy an apartment, but can't choose the right one? Worried about the developer's conscientiousness? There is an exit! Use the list of new buildings accredited by Sberbank.
Peculiarities:
- reduced interest rate
- prompt loan approval
You can learn more about Sberbank accreditation at the Real Estate from Leaders exhibition, which will be held in Gostiny Dvor (4 Ilyinka) from March 29 to April 1.
Benefit for the buyer
If the house has already been put into operation, it ceases to be considered a new building and goes into the category secondary housing... Accordingly, the conditions and interest rate are not changing in favor of the buyer, so many people prefer to buy real estate at the excavation stage.
There are many risks associated with this! Will the house be completed and how soon? Doubts torment everyone, because no one wants to give their money to anywhere. Sberbank can dispel doubts and calm down.
Accredited developers of Sberbank are reliable construction companies that have been on the market for a long time. Companies lease their facilities on time and eliminate imminent flaws in residential premises quickly and without litigation.
It is much easier for Sberbank to check the reputation of a particular developer than for a person who buys an apartment for the first time. Therefore, the base of accredited new buildings allows you to minimize the risks when buying a home.
Benefit for the bank
Of course, Sberbank also has its own benefits from the accreditation of developers. A mortgage is a loan secured by housing. If there is no house, then there is no collateral. It follows from this that the bank has no guarantees that the money issued will be returned to it.
Interest rates of any size can in no way protect the bank from losses if the borrower loses a well-paid job, and he has no collateral.
That's why credit institution it is very important that the house is completed on time, or better yet earlier.
In addition, it is important for the bank that the residential building is in good condition all the time for which the mortgage is issued. Thus, the interests of the bank and the borrower coincide.
You can find out the entire list of developers accredited by Sberbank at the Real Estate from Leaders exhibition, which will be held in Gostiny Dvor (4 Ilyinka) from March 29 to April 1.
To get to the exhibition, you need to register on the website, download a free ticket and print it out.
Lending terms
Sberbank has created a special program for new buildings, which allows you to get a percentage lower than in other proposals.
- interest rate from 9.5% per annum
- the minimum amount is 300,000 rubles
- the maximum amount is limited to 85% of assessed value real estate
- the term of the contract is no more than 30 years
- the funds of the Maternity capital are accepted.
What loan amount can I expect?
The bank always approves maximum amount, which can be issued to the borrower and co-borrowers specified in the application form. However, the loan amount cannot be more than 85% of the value of the property you have chosen.
I was denied a loan. Why? What to do?
The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower assessment system, which is a trade secret. Potentially, there are about twenty parameters of the borrower and co-borrowers on which this system can rely.
If the bank refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply immediately.
How to increase the chances of getting a mortgage with a small official salary?
For example, you can apply for a loan with a bank statement instead of a 2-NDFL statement. An income statement in the form of a bank is an alternative document that is accepted by the bank as confirmation of the borrower's income, but in which additional earnings can be taken into account.
I am a person of age, will they give me a mortgage?
You can get a mortgage until you are 75 years old. For example, if you are 65, you can take out a mortgage for 10 years.
If I receive a salary on a Sberbank card?
Salary clients of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.
· If in the last two months you have had at least one salary credit to your card or Sberbank account, you can get a discount to the rate.
· If you have had your salary credited to the Sberbank card (account) for at least 4 months out of the last 6 months, you will not need to additionally upload an income statement and a copy of a work book.
How can I find out the overpayment on my future loan?
You can see the amount of the overpayment by registering in personal account ... After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.
Is it profitable to buy a borrower's life and health insurance policy?
Life and health insurance in the insurance company LLC IC "Sberbank Life Insurance" or other companies accredited by Sberbank, allows you to reduce the loan rate by 1%.
Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the remaining debt on your mortgage loan when insured event(disability or death).
I am a citizen of another country, can I get a mortgage?
Sberbank mortgages are issued only to Russian citizens.
Who can be a co-borrower?
Most often, the co-borrowers are the relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a compulsory co-borrower. Exceptions are possible if a marriage contract is concluded between the spouses.
For example, to increase the chances of getting larger amount if approved, you can attract co-borrowers - participants salary projects... And even when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.How to use maternity capital in favor of a mortgage?
You can use maternity capital funds in whole or in part as down payment when obtaining a mortgage. You can use only maternity capital or the amount of maternity capital and own funds... By minimum size down payment we recommend focusing on the DomClick calculator.
When using funds maternity capital it is important to agree with the seller on the procedure and time for receiving Money maternity capital, since this amount is transferred from The Pension Fund not right away.
Also, maternity capital funds can be used for early repayment of an existing loan.What kind additional expenses will be at registration of a mortgage?
Depending on the type of real estate and the selected set of services, when applying for a loan, payment will be required:
· Valuation report - from 2,000₽ depending on the region and appraisal company (required to assess the collateral);
· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;
· Life and health insurance of the borrower (optional, but reduces the loan rate) - directly depends on the size of the loan;
· State duty for registering a transaction with Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration iterations (is additional service and is paid separately);
· Rent safety deposit box and payment for access to it (when buying a secondary home for cash) or payment for a secure payment service - from 2,000₽ .
The cost of services is approximate. Check the exact cost on the websites of the respective services.
Which is better: a new building or a secondary building?
As a rule, an apartment or an apartment in a new building is bought directly from the developer, the secondary housing - from the previous owner.
No one lived in the new building before you, the price for square meter less than an apartment of the same class in the secondary housing, there are shares from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not turn on until the majority of residents move in, most likely you will have to wait for the development of infrastructure and the completion of repairs from neighbors.
In the secondary housing, as a rule, you can enter and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn out communications and you will need to check the legal purity of the property and the participants in the transaction.
What is the term for consideration of a loan application?
Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
How is the process of obtaining a mortgage at Sberbank through DomClick?
Depending on the type of real estate and other parameters, the process of obtaining a mortgage may differ.
However, the first step is the same for everyone - applying for a loan. To apply, calculate a loan on the DomClick calculator, register on the site, fill out the form and attach Required documents... Consideration of the application does not exceed two days, but most clients receive approval on the day of application.
If you have not yet picked up a property, you can start doing this immediately after receiving approval from the bank, when you know the maximum loan amount for you.
When the property is selected, upload the necessary documents in the DomClick office.
Within 3-5 days you will be informed about the approval of your chosen property. You will be able to choose a convenient date for the transaction, which is carried out in the center mortgage lending Sberbank.
The last stage is the registration of the transaction in Rosreestr. Congratulations, you're done!
Why register on DomClick?
After registration, you will have access to the help of a consultant in the chat and a borrower questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for the loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.
How do I know the bank's decision?
Immediately after reviewing your application, you will receive an SMS with the bank's decision. A bank employee will also call you.
Today, a mortgage loan issued in one of the Russian banks is considered the most affordable of the existing options for improving the available housing conditions. Russian market mortgage lending is actively developing and every year it becomes more and more civilized. For example, at the level of federal legislation, measures are being developed to promote reliable protection of borrowers and financial institutions. V last years many consumers were able to appreciate the merits of mortgage lending issued by the largest bank in the Russian Federation - Sberbank, whose accredited new buildings are the most profitable option for each borrower. However, not everyone knows what this term means. potential borrowers... This is what will become the topic of our today's article.
A mortgage loan can be issued for an already constructed facility and for a dwelling in a building that is under construction. In the second case, a more complex procedure is assumed when registering a pledge, which is the property being acquired. Insofar as the lender must approve the issuance of a loan in respect of a residential building under construction where the borrower intends to purchase an apartment.
Developer accreditation is a comprehensive audit of a construction company
Accreditation of developers by a bank is a comprehensive audit of a developer company, in particular, checking the legality of the activities carried out and analyzing the prospects for the construction of a certain residential building. In the accreditation process, it turns out to weed out insufficiently reliable developer companies and significantly reduce all kinds of losses for the borrower, bank and construction organization .
Accreditation regulations
Usually the accreditation process includes two main points.
Financial reliability audit of a developer company
At this stage, the reputation of the construction organization and its "business dossier", the number and quality of built and commissioned residential buildings are checked. In addition, reviews of consumers who have bought real estate and the experience of partnerships between this developer and other credit institutions are carefully analyzed.
In the process of accreditation, the bank checks the reputation of the construction organization and its "business dossier"
The financial stability and reliability of the developer company is checked on the basis of checking up-to-date information from various publicly available sources. Suppose data on the persons managing the company and the authorities exercising control over its activities, the presence of tax arrears, participation in legal proceedings, the state accounting statements and balance sheet, risks of closure and bankruptcy, the presence of court orders and open proceedings initiated by the FSSP, as well as other points.
So, financial statements must confirm economic stability in a period of at least 2 years. A plus for a construction company is more than two residential buildings completed and commissioned on time.
Audit of the construction process and objects
Accreditation of residential real estate under construction is carried out based on the results of general legal examinations, which are carried out in relation to the constituent documentation and the corresponding permits available to the developer company.
Accreditation of residential real estate is carried out according to the results of general legal examinations of the constituent and permitting documentation
Be sure to find out does the developer have:
- certificate of ownership and disposal land plot where the construction is taking place (property or long-term lease);
- permits for carrying out construction works for a specific object;
- the correctness of the preparation of working documentation (project, estimate, etc.).
In addition, a financial institution a trip to construction sites, the stages and quality of the construction process are assessed... This is a mandatory part of the accreditation process, as at this point the construction companies confirm the “viability” of the project.
It should be noted that each credit institution may set its own conditions. Let's say that some financial institutions are checking the connection of the facility being built to communication networks. Some banks (usually, these are not very large organizations) may require the indispensable accreditation of a construction organization by one (or several) of the large credit institutions Russia.
The bank organizes visits to construction sites, where the stages and quality of construction are assessed
Benefits of accreditation
We said earlier that in accreditation there are clear benefits for all parties to the mortgage agreement.
Benefit for the borrower (real estate buyer)
By purchasing real estate objects accredited by Sberbank or other large financial institution, the borrower receives certain guarantees against existing risks... In addition, knowing which developers Sberbank works with, the bank's client does not need to independently check the reliability of the developer.
When buying a home from an accredited developer on mortgage agreement more profitable terms
It is also important that in addition to guarantees, a potential owner can count on more attractive conditions for credit agreement :
- when buying real estate of an accredited developer, a loan can be obtained without additional security (guarantors, pledge);
- in this case, the time for making a decision by the lender is significantly reduced;
- the interest rate on mortgages on accredited construction sites of Sberbank is much lower in comparison with other mortgage products;
- the minimum loan amount is 300 thousand rubles;
- due date mortgage loan up to 30 years old;
- it is possible to raise funds from the "parent capital".
Benefit for the lender
In addition to making a profit from financial activities- receiving interest for the issuance of a loan, the bank, having carried out the appropriate checks of the developer, receives the necessary guarantees that the object will be put into operation exactly in set time , and sometimes even earlier.
At the same time, offering the most favorable conditions under a loan agreement (mortgage) for the purchase of an apartment from accredited developers, financial institution expands its client base. And this is reflected in his reputation and rating.
Residential property accreditation has a number of important advantages for the bank and the developer
Benefits for construction companies
For construction companies, accreditation allows you to increase sales - a huge number of consumers considering a mortgage loan, give preference to companies that are included in the list of accredited developers Sberbank.
Accreditation, to some extent, allows you to solve personnel issues - the organization does not need to have mortgage specialists on the staff who are engaged in attracting buyers, selling housing and registering mortgage agreements.
But it should be noted that accreditation does not provide an absolute guarantee of the reliability of a construction organization. Suppose when a financial institution is associated with a construction organization financial commitments(is an investor), then it can look rather condescendingly at the shortcomings in the work of the developer, which, naturally, leads to increased risks for the borrower.
Output
In conclusion, it should be said that an accredited construction company is a reliable developer, which has been working in the field of housing construction for a long time, has acquired an excellent reputation and has in its asset more than one residential object put into operation. The developer will lease the objects exactly in the established order and eliminate the identified shortcomings living quarters... This happens quite quickly and without litigation.
The borrower should personally verify that the developer is included in the bank's list of accredited developers
In addition, the financial institution is much it is easier to audit the reputation of a particular developer than the consumer who buys an apartment for the first time. That is why the register of accredited developers and objects erected by them makes it possible to minimize risks in the execution of a mortgage agreement.
But the buyer of residential real estate in a building under construction needs to understand that the statements of employees of a construction organization, which relate to the accreditation of a certain object by several large banks, should not be taken as an established fact - it is advisable to personally verify this... This can be done by contacting a credit institution.
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One of the most realistic ways to purchase housing in the domestic market in 2020 is to use mortgage lending. It is important that this area every year becomes more and more regulated by legislative level as a result, both the borrower and the issuing banking organizations are reliably protected from financial losses.
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possibly, both for already built and for housing that is in the process of construction.
The second option in terms of finance is more profitable for buyers, however, in this case, applying for a loan turns out to be somewhat more complicated procedure, since the bank must accredit the particular real estate object in which the borrower plans to receive an apartment.
What it is?
Accredited new buildings are residential buildings of a multi-apartment type that are in the process of construction, which are classified as objects of construction in progress.
They have not yet received the legal status that allows them to become the subject of the transaction. property nature and are not able to compete with other objects in the service market. However, such real estate has already become an investment object, primarily from the side of banking organizations.
Such housing is classified as unfinished real estate that does not possess legal basis for the implementation of the alienation procedure by the method of concluding a traditional transaction. They can be alienated only in the case of participation in the construction of a shared type.
From a legal point of view, an accredited new building is understood as the correct type of work organization, reflecting the nomenclature position of a legal entity, which makes it possible to form a positive image about it, perceive it as a reliable partner, to whom interested banking institutions can be trusted with funds.
Accredited new buildings
Residential real estate acts as collateral for the mortgage, for which the loan is being processed. The decision on the issuance of finance by a banking institution is significantly influenced by the state of this object.
In the process of obtaining a loan for housing, the bank evaluates and checks the housing being built by a mass of different parameters, trying to protect itself as much as possible.
Such scrupulousness and caution is due to the fact that a credit institution does not actually receive property as collateral, but only the right to claim an apartment that does not yet exist.
After the building is put into operation and the right of claim is realized (that is, the shareholder receives an apartment), the state registration of this real estate, in which a banking organization will place an encumbrance on an object that already really exists. The collateral can be withdrawn only after the loan has been repaid in full.
What gives the borrower?
The presence of accreditation in a new building, in which the borrower plans to purchase an apartment, first of all gives him confidence that the developer is a reliable and trustworthy company.
By his own efforts, the buyer is not able to carry out such a complete and detailed check that the bank performs before granting accreditation.
The presence of accreditation is to some extent a guarantee that the object will be completed and put into operation, and the borrower will not lose his money already paid on the mortgage.
What is the bank's risk?
While the facility being built is at the construction stage, and the apartment in the new building cannot be registered, the banking organization is at serious risk. No thorough verification provides a guarantee that some kind of force majeure will happen, as a result of which the construction will be frozen indefinitely.
Even if the work is completed and the facility is commissioned, legally, housing will not exist until the registration of apartments in Rosreestr is made.
If payments on the loan issued to the borrower stop, the bank in such a situation will be left with nothing, since the implementation of the collateral will be impossible.
Advantages
Among the positive aspects that accredited new buildings have, are:
- lower interest rate allowing you to overpay less and close the loan faster;
- reducing the time to approve a loan due to the absence of the need to check the developer;
- a certain guarantee that the housing will be put into operation at the agreed time.
Accreditation in several banks
In most cases, Sberbank and other banking institutions determine accredited new buildings independently, personally checking the developers and the objects they build in accordance with a number of criteria.
In this regard, the fact that the housing under construction has accreditation from several serious banks at the same time suggests that the risk of buying such an apartment will be minimal, because each of the credit institutions has carried out its own check and, at the same time, each of them has concluded that the new building is highly reliable.
The presence of two or more accreditations helps to strengthen the positive image of the developer, increases the degree of confidence in him and his objects of potential buyers.
The presence of accreditation is extremely important for the construction companies themselves, because without this, the sale of housing, and, accordingly, and investment investments will go extremely slowly.
If the start of the sale of apartments took place recently, then the lack of accreditation will not yet arouse suspicion, however, if the sales started long ago, and banks did not issue accreditation, then most likely they have already carried out inspections, during which they revealed the presence of certain risks.
It is also important to look at which banks the accreditation was issued by, giving preference to those objects, the crediting of which was undertaken by the largest financial and banking institutions.
As a result of the analysis of the available information, it can be concluded that already one fact of cooperation of a construction company with banking organizations, Is already evidence of its sufficient level of reliability.
At the same time, only one lack of accreditation should not get in the way of purchasing profitable housing. In such cases, it is better not to rush, but to wait a while, giving the opportunity banking companies all tai carry out the necessary check.
It is advisable for the buyer to personally ask the developer whether he has preliminary agreements with banks regarding the introduction of mortgage lending at projects under construction.
The presence of accreditation can be used even by those potential buyers who are not interested in any loans, but plan to immediately pay the funds for the purchased housing.