Who and how executed the mortgage deal. Procedure (step-by-step scheme) for obtaining a mortgage (purchasing an apartment)
Certificates and documents required by banks for registration mortgage loan
Any family wants to live separately from their parents, no matter how good relations with relatives are. And at this moment, many families are thinking about a mortgage loan.Conditions for granting a mortgage to an applicant by Sberbank under two documents
Sberbank is the largest banking institution in the country, therefore it can afford loyal terms for lending to citizens. A striking example of this in Sberbank is a mortgage on twoWhere is it cheaper for an applicant to get life and health insurance with a mortgage loan
Mortgage life insurance allows you to lower the interest rate on the loan, often making the policy quite profitable. The credit market is enriched with various "delicious" preMortgage without a down payment secured by real estate
When a family needs housing, the only real way out is a mortgage. The most attractive way is a mortgage secured by real estate without a down payment. Is it possibleWe arrange a mortgage for pensioners in Sberbank: conditions for granting a loan
Retirement age is a great time to address such important issues as buying a home, summer cottages or land plot. Mortgage for pensioners in Sberbank according to the conditions in 2017Life and health insurance of the borrower when applying for a mortgage in Rosgosstrakh
In Russia, mortgages are increasingly used to purchase their own housing. Many banks now provide mortgage loans on various terms. One of the banksMaternity capital on account of mortgage repayment in Sberbank
Do you want to use maternity capital effectively, and eventually become the owner of a new home? Then it's time to find out how to pay off the mortgage with maternity capital at Sberbank.Assistance Program for Mortgage Borrowers in Difficult Situations
Sharp deterioration in the country economic situation caused many people to become unable to pay housing loans. To minimize negative consequences PMaternity capital: several options for buying an apartment in a mortgage.
How to buy a residential apartment in a mortgage with maternity capital? This question is asked by young families. Target funds can be invested in the purchase of housing or to pay off the balance of the debtTo obtain a home loan, the applicant needs to go through several stages, each of which is important and mandatory. Before applying for a mortgage at Sberbank, the stages mainly involve the collection of documentation and preparation for concluding an agreement.
![](https://i2.wp.com/sbankami.ru/wp-content/uploads/2016/01/25.jpg)
Where can I get a home loan
Before considering what stages you need to go through to get a mortgage at Sberbank, you should choose a lending program. They differ in many ways, but the main difference is in purpose. According to the type of housing chosen, the classification is presented as follows:
- The apartment is in a building that has recently been commissioned or is still under construction.
- An apartment bought from the owner (secondary real estate market).
- The house, which will be built by the borrower.
- House outside the city.
It is worth highlighting projects with state participation in separate categories. This military mortgage when the borrower makes payments from the account of the NIS participant, and maternal, which makes it possible to repay the debt at the expense of the transferred capital for the child.
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2016/01/%D0%9F%D0%B5%D1%80%D0%B2%D1%8B%D0%B9-%D1%8D%D1%82%D0%B0%D0%BF-%D0%B2%D1%8B%D0%B1%D0%BE%D1%80-%D0%B8%D0%BF%D0%BE%D1%82%D0%B5%D1%87%D0%BD%D0%BE%D0%B9-%D0%BF%D1%80%D0%BE%D0%B3%D1%80%D0%B0%D0%BC%D0%BC%D1%8B.jpg)
Based on the type of housing that the client needs, lending conditions will also be selected. Therefore, the category should be treated responsibly. The rate depends on her choice, which varies between 12.5-13.5%.
Preliminary stages of a home loan
Regardless of the type of loan product, the procedure has common features. Before contacting the department, it is recommended to go through all the preparatory steps in order to subsequently receive a quick and positive answer. These include:
- Loan selection.
- Preliminary selection of conditions using an online calculator.
- Collection of documents: documentary evidence of the scope and period of employment, salary level, additional income, identity cards.
- Search for housing.
The list of papers and certificates is not complete, but the rest can be presented after obtaining approval for the loan. When studying the issue of obtaining a housing loan at Sberbank, the stages on the forums and in the reviews may differ slightly, but in general they take place in the specified order.
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2016/01/7-%D1%8D%D1%82%D0%B0%D0%BF%D0%BE%D0%B2-%D0%BE%D1%84%D0%BE%D1%80%D0%BC%D0%BB%D0%B5%D0%BD%D0%B8%D1%8F-%D0%B8%D0%BF%D0%BE%D1%82%D0%B5%D0%BA%D0%B8-.jpg)
Selecting parameters for loan calculator, it is recommended to check different options. Conditions will change significantly when the size of the first payment, income level, repayment period change. The fact that the borrower receives transfers under the salary project also has a significant impact. banking institution or not.
Some parameters also affect the package of documents. So, when paying more than half of the loan amount at once, you can not collect papers on solvency. In this case, you can also count on the amount of any size.
Conclusion of an agreement
After contacting the branch for obtaining a mortgage at Sberbank, the stages and terms of consideration of the application for which it is worth clarifying in advance, the client must have the first package of documents with him. At the branch, he fills out an application. Specify required parameters loan, which is better to pick up in advance, so as not to get confused. After transferring everything necessary to the employee, you will need to wait for a certain period, which involves the approval process.
![](https://i2.wp.com/sbankami.ru/wp-content/uploads/2016/01/%D0%A1%D1%80%D0%BE%D0%BA-%D1%80%D0%B0%D1%81%D1%81%D0%BC%D0%BE%D1%82%D1%80%D0%B5%D0%BD%D0%B8%D1%8F-%D0%B8%D0%BF%D0%BE%D1%82%D0%B5%D1%87%D0%BD%D0%BE%D0%B9-%D0%B7%D0%B0%D1%8F%D0%B2%D0%BA%D0%B8-%D0%B2-%D0%A1%D0%B1%D0%B5%D1%80%D0%B1%D0%B0%D0%BD%D0%BA%D0%B5.jpg)
At the same time, the characteristics of a potential borrower are assessed and compared with his wishes and the chosen housing (cost). On average, the period lasts about 5 days. According to reviews, this period is often extended.
After receiving a response, the final stage of the procedure takes place, which includes:
- The final choice of housing.
- Signing a contract for the purchase of real estate in accordance with obligatory clauses loan.
- The conclusion of the insurance policy.
- Transfer of these documents to the bank.
- Signing a loan agreement.
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2016/01/%D0%9D%D0%B5-%D0%B7%D0%B0%D0%B1%D1%8B%D0%B2%D0%B0%D0%B9%D1%82%D0%B5-%D0%BE%D1%84%D0%BE%D1%80%D0%BC%D0%B8%D1%82%D1%8C-%D0%BD%D0%B0%D0%BB%D0%BE%D0%B3%D0%BE%D0%B2%D1%8B%D0%B9-%D0%B2%D1%8B%D1%87%D0%B5%D1%82-%D0%BF%D0%BE%D1%81%D0%BB%D0%B5-%D0%BF%D0%BE%D0%BA%D1%83%D0%BF%D0%BA%D0%B8-%D0%B6%D0%B8%D0%BB%D1%8C%D1%8F.jpg)
Conclusion
We examined the main stages of concluding a housing loan at Sberbank. This knowledge will help to facilitate the procedure and reduce the time for its implementation, which is especially appreciated when buying an apartment from the secondary market.
Not all citizens can afford to purchase housing at the expense of personal savings. Many want to decide housing issue through mortgages. Before you go to the bank, you should understand the procedure for buying an apartment in a mortgage. Below is step-by-step instruction mortgage loan processing.
Bank selection
The process of buying a home with a mortgage loan should begin with choosing a bank. Now there is no shortage of offers on the market, so the main task is to choose the most profitable option. But before you start studying the conditions, you need to decide on the size of the down payment.
A potential borrower should know that in addition to the fee, he will have to incur a number of other expenses: insurance, appraiser services, state registration, bank commissions, etc. In addition, you need to understand your creditworthiness: the presence of officially confirmed income, good credit history, solvent guarantors, etc. If all this is not there, then profitable terms will be difficult to calculate.
When comparing bank conditions, it is worth paying attention not only to the size interest rate. The easiest way to understand the profitability of a mortgage program is by analyzing the total overpayment for one year and for the entire term of the loan agreement. It is necessary to take into account insurance payments, additional commissions, the cost of appraiser services, etc. However, do not rely on the information posted on the bank's website. In a personal consultation, many nuances often come up, which in the end can play a decisive role in choosing a lender.
If you plan to buy an apartment in a new building by issuing a shared construction agreement, then the list of banks should be obtained from the representative of the developer. If the company is not accredited in a particular bank, then it will be very difficult to get a loan from it, since financial institution will conduct a full audit of the company. Many banks simply do not approve such loans.
Finding a lender can be difficult when you plan to buy a room, share in real estate or land to build a house. If there is real estate in the property, then it is easier to get a loan secured by it, and then purchase the desired object.
Our lawyers know The answer to your question
or by phone:
Submission of documents and loan approval
Now most banks are ready to consider the borrower's documents before he has decided on an apartment or house. This practice has a significant advantage. When choosing real estate, the future borrower already knows exactly how much he can get. This minimizes the situation when the buyer transfers a deposit or advance, but the mortgage in the required amount could not be obtained. The result is a loss of money and time.
Also, to reduce the time, it is advisable to submit documents simultaneously to several banks. If there are two or more positive answers, the future borrower will be able to choose the most favorable conditions.
Required package documents in different banks is different, so before you go to the branch, you should clarify it. This will save time. Now many lenders offer to fill out an application directly on the bank's website and attach scanned documents to it. But almost always this way you can get only a preliminary decision, for a final answer, you still need to contact the bank and show the loan officer the original documents. The bank may also request additional documents that are not included in the standard list.
After making a decision in the bank, you can receive a letter with a signature and a seal, which will indicate how much potential borrower can arrange. It is worth paying attention to the validity period of the decision and not delaying the deal until the last day. Since, in the event of force majeure, the decision may be overdue and you will have to submit documents again and wait for a decision (the conditions may already have changed by that time).
Property selection
- After receiving a positive decision from the bank, you can make the final choice of real estate. Banks usually give 2 to 4 months for this. If the future borrower could not meet these deadlines, then loan application you will have to reapply, and the loan can be agreed on already on different conditions.
- Before making a deposit or advance, it is necessary to warn the property owner that the calculation will take place with the involvement borrowed money. Such a transaction has its own characteristics and many sellers simply do not want to sell housing to such buyers. In addition, it is necessary to take into account the requirements of the bank for the property. If the chosen housing does not correspond to them, the bank will not issue a loan.
- The seller must provide copies of all documents for the property, including copies of the passport of all property owners. Bank lawyers will check the documents and determine legal purity apartment. It may be necessary at this stage to provide additional documents. Banks may refuse to lend to the purchase of housing if it is sold by proxy, one of the owners is a minor, several owners have changed over the past few years, etc. Such transactions have an increased risk that ownership will be challenged in court.
- Next, an appraisal of the apartment or house is carried out. This is done by a professional appraiser accredited by the bank. It is worth noting that when the bank indicates a percentage of the apartment's value and determines the loan amount, it takes the smaller of two values: the value determined by the appraiser and the contractual price between the borrower and the buyer. Therefore, it is possible that the estimated value is less than the contractual value, and the buyer will have to pay the difference at his own expense.
- After the property is approved by the bank, the buyer, seller and bank representative agree on the date of the transaction.
Making a deal
First of all, on the day of the transaction and a little earlier, it is necessary to conclude all the required insurance contracts and pay insurance premiums. Only mortgage insurance is obligatory. Personal and title insurance is issued on the basis of the requirements of the bank and the willingness of the borrower in case of refusal to pay an increased interest rate.
After that, a contract of sale is concluded between the seller and the buyer, and between the borrower (buyer) and the bank - loan agreement. The calculation can be done in several ways.
The most common and safe for the parties is the following scheme:
- The buyer transfers the down payment funds to the seller (the fact of transfer must be recorded in the contract of sale, as well as a receipt).
- Credit funds placed in the safe of the bank that issues the loan.
- The transfer of ownership and encumbrance of the bank is registered in Rosreestr.
- Registered documents are submitted to the bank and the seller gets access to the safe.
This completes the mortgage process. Further, the borrower is obliged to regularly pay monthly premiums, renew insurance contracts. After full repayment of the loan, the bank will remove the encumbrance, the former borrower will become the full owner of the property, and he will be able to dispose of housing at his own discretion.
Few of those who want to have their own apartment can afford to purchase the long-awaited square meters for cash. The natural solution is to buy real estate with a mortgage.
But what rights does a person who has acquired housing by obtaining bank loan how to register ownership of it and what documents are required for this? How to remove the encumbrance of a pledge and can they refuse to enter information about the new owner in the register?
How to register the ownership of an apartment with a mortgage?
Registration of the property right received under a mortgage occurs according to general rules real estate registration.
The difference is only in the composition of the documents that are required for registration, as well as in the need to remove the encumbrance after paying off the debt.
The procedure for registering ownership of real estate in mortgage lending
After signing an agreement with the bank, the new owner should provide a package of documents to Rosreestr, which serves locality where the housing is located. For employees of the registration authority, there is a certain procedure for registering the right, which should be paid attention to. Read about how to draw up a mortgage contract of sale.
- Acceptance of documentation at the applicant.
- Implementation of activities aimed at verifying the legality of the transaction and the authenticity of documents.
- Identification or exclusion of circumstances which are grounds for refusal of registration.
- Making an appropriate entry in the register(if there are no grounds for refusal).
- Making an entry in the certificate and issuing title documents the owner of the apartment.
Deadline for registration of ownership mortgage apartment limited by law.
When providing a complete package of correctly executed documents, the period is equal to 10 days from the date when the receipt of receipt of the documentation was issued. V major cities registration time can increase up to half a month. If additional information is required or controversial points are found, the period is extended to 30-45 days.
Documents for registration of ownership of an object acquired with a mortgage
To apply for a mortgage, you need to prepare the following documents:
- Parties' passports deals.
- The corresponding statement signed by the parties. In most cases, the form is printed out by an employee of the registration authority when citizens apply, after which it is signed by the parties in the presence of the registrar.
- Receipt confirming the payment of the fee.
- Sales Agreement.
- Certificate of ownership available from the seller.
- Pledge agreement, according to which, if the borrower evades paying the debt, the apartment will be taken over financial organization.
- Cadastral passport for the object, including floor plan and explication.
- Certificate reflecting information about citizens registered in the premises.
- A certificate confirming that the seller has no debt to pay utility bills. The document can be ordered at the office Management company by contacting office hours.
- Written permission from the body of guardianship and guardianship, if present .
- Document on the legalization of redevelopment(if applicable).
- Notarial consent received from a spouse (required when selling joint property).
- Power of attorney with a notary's mark if a representative acts on behalf of one of the parties.
This list is not exhaustive. Under certain circumstances, the registration authority has the right to request additional documentation for registration of mortgage housing in the property.
Information on how to sell an apartment in a mortgage and buy another in a mortgage. It is useful for those who want to change their living conditions or monthly loan payments.
Specifics of registration of the right to an apartment purchased on a mortgage in a new building
It is possible to take ownership of a premise located in a new building and acquired on a mortgage only if the developer organization:
- prepared a protocol regarding the distribution of real estate (both residential and commercial);
- received a technical passport for the building at the BTI;
- put a resolution on deed of transfer obtained from the State Architectural and Construction Organization;
- received permission from the local administrative authority to put the new building into operation;
- registered the building in Rosreestr and assigned him a postal address.
You can check the availability and correctness of the documents confirming the fulfillment of the above conditions at the office of the developer company.
Features of the procedure for buying an apartment in a new building. If the developer complies with the above conditions, the procedure for registering the right to housing in a new building is similar to registering apartments purchased on the secondary market. Want to know about possible risks at the time of buying secondary housing, .
Registration of property requires the presence of a representative in Rosreestr construction company having the authority to sign the sale and purchase agreement.
Registration of property after the payment of the mortgage
Having bought an apartment on a mortgage, the borrower receives a certificate of ownership and becomes the owner square meters. However, in the title document, a note is made about the encumbrance of the pledge. In practice, this means that the owner cannot, without the consent of the financial institution, perform administrative actions with real estate, for example, sell it. In certain situations, the permission of the bank is necessary even for registration in the premises of a relative.
After payment of the debt, the burden is removed. This circumstance is subject to registration in Rosreestr.
To become a full owner of square meters, you need to fulfill a number of conditions.
- Submit the appropriate application and package of documents to the registering organization. If the loan agreement was certified by a notary, then the appeal can be sent on behalf of the owner or on behalf of the credit company.
In a situation where the contract is drawn up in a simple writing, a joint declaration by the parties is required. - After 3 days, when information about the encumbrance is removed from the register, you need to pick up a certificate. On the reverse side the document of title must bear a note about the removal of the encumbrance.
Registration of removal of encumbrance is not subject to state duty.
If the owner wishes to receive a new certificate, in which there is no mention of the encumbrance that has taken place, he must pay 200 rubles to the treasury.
What documents are required to remove the encumbrance of a pledge?
To remove the encumbrance, you must prepare:
- An identity document of the applicant.
- Relevant statement.
- A mortgage confirming the fulfillment of obligations in full.
- Loan agreement (original).
- Certificate of ownership.
If you need to submit a joint application, you need to contact the bank that issued the loan.
What if the creditor bank ceases to exist?
In the event of the liquidation of the bank, in order to remove the encumbrance, you will need to obtain an extract from the Unified State Register of Legal Entities stating that the organization has been liquidated.
Another way to become a full owner is to remove the encumbrance in court.
Is Rosreestr entitled to refuse to re-register the right?
The reason for refusal of registration may be one of the following circumstances:
- Indication of information in documents that do not correspond to reality.
- Registration that does not comply with the requirements of the law.
- Providing not all required documents.
- Registrar has doubts regarding the authenticity of the documentation.
- Revealing a ban for such transactions.
- For an apartment, the rights to which are subject to re-registration, is seized.
A mortgage scares not only the need to repay money over a long period, but also the possible complexity of the loan process itself. Before, you should study the step-by-step instructions, the features of individual loan products.
The stages of buying an apartment in a Sberbank mortgage step by step look like this:
- Studying the real estate market, an approximate assessment of the value of the selected property, the amount of the loan;
- Analysis of mortgage programs offered by Sberbank;
- Approximate calculation of the monthly payment, self-assessment of the chances of loan approval;
- Collecting a package of documents for applying for a loan;
- Search and collection of documents for the selected apartment when approving a loan application;
- Registration of an apartment purchase and sale transaction, signing mortgage agreement, insurance contracts for housing, health and life of borrowers;
- Registration of ownership of the apartment, .
At each stage, there are details that need to be studied in advance, this will help step-by-step instructions for buying an apartment on a mortgage.
Studying the situation on the real estate market
When applying for a resale, step-by-step instructions involve a preliminary study of real estate offers - this is where you should start in order to profitably buy an apartment on a mortgage. The stage is necessary, otherwise it will be difficult to determine the loan amount.
You can take a mortgage at Sberbank for a new building both from the bank's partner developers and from other companies. In the first case, the rate may be lower.
When concluding an agreement equity participation with a non-accredited developer additionally provided:
- extract from the Unified State Register of Legal Entities;
- a document certifying the rights of an authorized person who signed the DDU on the part of the developer;
- building permit;
- documents confirming the status of the land plot - a lease agreement or a certificate of ownership;
- permission to put into operation;
- transfer act.
The methods of collecting information can be different: you can contact the relevant agency, study publications and selection instructions in specialized newspapers, on Internet portals. Sberbank also has a branded service for selecting housing both in the secondary market and in the market for new buildings. On the resource "DomClick" they also place applications for a mortgage, consult with the bank's specialists.
Having learned the cost of apartments in the selected category, you need to evaluate the possibility of paying the initial installment with your own funds. By programs housing loans, according to the instructions of Sberbank, 15% of the price is required.
Analysis of mortgage programs
Sberbank offers 6 housing lending products for the purchase of real estate in the primary and secondary markets, for preferential categories of borrowers (young families, military personnel), with the possibility of making the first payment or repaying part of the debt at the expense of funds maternity capital, as well as for the purchase of suburban real estate and the construction of an individual house.
A rate of 6% or more is offered to young families as part of the "for families with children" program. The preference is available to families in which the second or third child is born between December 1, 2018 and December 31, 2022.
For other borrowers minimum bid in 7.1% it is offered under the program “Acquisition of housing under construction”. Within the framework of this project, it is possible to purchase real estate on the primary market from developers - sellers determined by the bank. The maximum possible loan amount is 85% of the contractual or appraised value purchased property.
You can buy an apartment on the secondary market on credit at a rate of 8.6% as part of the "For Young Families" campaign. At the stage of choosing a program in Sberbank, you need to clarify all the nuances about a mortgage on an apartment. Rate depends on availability salary project in Sberbank, the amount of the first payment, the maturity of the loan taken.
Assessing your own chances of getting a loan
You can assess the potential for obtaining a loan using. By entering data on the income, expenses of the borrower's family, the cost of the loan object, the loan term, the size of the first payment, you can find out the amount of monthly payments, the total overpayment on the loan. The calculator will also show maximum size a loan that a borrower with a certain income can apply for.
Calculations on the loan calculator are preliminary, for clarification, you must contact the branch of Sberbank. Monthly payment loan should not exceed 50% of the borrower's income.
![](https://i0.wp.com/znaemdengi.ru/wp-content/uploads/2018/08/jetapy-oformlenija-ipoteki-v-sberbanke-na-vtorichnoe-zhile-2-768x400.jpg)
It is also necessary to take into account the requirements of Sberbank for potential customers. Citizens of the country can apply for a mortgage on an apartment:
- aged 21 to 75 years at the time of full settlement of the loan or up to 65 years if the borrower did not confirm the fact of employment when applying;
- working at the last place of work for at least 6 months. If the applicant receives wages not according to the salary project of the bank, then his total experience for the last 5 years must be at least 1 year.
Documents for obtaining a mortgage loan
To apply for a loan, you must submit the following documents to Sberbank:
- application form;
- a copy of the passport of the borrower and co-borrowers;
- the second document, for example, TIN, SNILS, medical policy, passport, driver's license;
- certificate of registration at the place of residence, if the registration is temporary;
- certificate of income in the form of 2-NDFL, for individual entrepreneurs - tax returns;
- copy work book certified by the employer;
- Marriage certificate (if any);
- Birth certificate of the child (if available).
If earnings are received as part of the salary project of Sberbank, then confirmation of the amount of income and length of employment is not required.
Under the "" program, you must provide a certificate certifying the family's right to receive maternity capital funds, and a document from pension fund, confirming the value of the account balance.
Following internal guidelines, managers may require other documents to assess the potential risk of issuing a loan.
The decision to issue a loan is made within 3-5 days and is valid for 60 days.
Selection of housing and collection of necessary documents
Having received a positive decision from the bank, having learned the amount of the approved mortgage, you should actively search for and select the appropriate apartment on your own or with the help of realtors. Consideration should be given to the requirements banking structure to mortgage real estate:
- the building in which the lending facility is located should not be emergency, dilapidated, scheduled for demolition;
- no illegal redevelopment;
- availability of all communications.
When an interesting object is found, a preliminary contract of sale is concluded.
Then the preliminary sale and purchase agreement must be submitted to the bank along with a package of documents for real estate, consisting of:
- contracts of sale, donation, exchange, and so on, that is, documents on the basis of which the seller acquired the right of ownership;
- cadastral passport of the apartment;
- an extract from the USRR and a Certificate of Ownership, if the object was purchased before 01/01/2017, or an extended extract from the USRR, if the registration of the last transfer of ownership took place after the specified date. The Bank accepts extracts from the USRR issued no later than 30 days ago;
- certificate of no debt on utility bills;
- a copy of the apartment card;
- a photocopy of the seller's passport;
- Bank details seller's account;
- confirmation of the presence of the buyer's own funds - a receipt from the seller on receipt of a certain amount or a certificate from the bank on the availability of funds in the buyer's account.
Starting the collection of the necessary documentation, you need to clarify a number of questions, for example, if:
- the owners of the alienated property are incompetent citizens, including minors, then the consent of the guardianship authorities will be required;
- the property was purchased by a married seller, then a notarized consent of the spouse to the transaction will be required;
- a share of real estate is acquired, then a notarized refusal to purchase the owners of other shares is written;
- the sale transaction is made by the authorized representative of the owner of the housing, his passport and a notarized power of attorney will be required.
The potential mortgage housing is then assessed.
To imagine what stages future homeowners need to go through, to view step-by-step instructions on how a mortgage is issued at Sberbank, is necessary in order to determine the procedure for obtaining papers, because each of them has a validity period, and their production also takes time.
If the documentation for the acquired object is not ready within the time allotted by the bank, you need to submit a new application for a mortgage loan.
Given that without the consent of the bank to provide a loan, the seller will not collect any documents, it is advisable to simultaneously look for housing and contact the bank with primary documentation, with a questionnaire.
The security service of Sberbank, according to the instructions, studies the documentation, assesses the risk of issuing a mortgage. After that, the decision is communicated to the client, the process is initiated, the step-by-step instructions of which are presented below.
Contract for the sale of an apartment on a mortgage of Sberbank
The contract for the sale of housing with a Sberbank mortgage, in general, has a standard form. However, it must contain a mandatory mention that part of the cost of housing will be paid at the expense of borrowed funds provided by this particular bank, as well as that the acquired object will be pledged, and Sberbank will act as the mortgagee.
The document contains the details of the creditor, but only the buyer and seller sign it.
![](https://i0.wp.com/fin.zone/wp-content/uploads/2017/10/2017-10-17_105754.jpg)
First, a preliminary sale and purchase agreement is formed and signed, and then the main one. The texts of both documents are fundamentally different. It’s just that the first one says about the intention of the parties to conclude a deal, the terms of its registration are prescribed, and the second one directly talks about the purchase. The preliminary contract is submitted to the internal services of the bank for analysis simultaneously with a package of documents for the acquired property.
Expenses when applying for a mortgage at Sberbank in 2018
Among the main expenses of borrowers are the following:
- state duty when applying to the MFC or Rosreestr - 2000 rubles when buying a home on the secondary market and 350 rubles for preschool institutions;
- services of a notary, if the transaction is carried out through him - from 1% of the transaction amount. If necessary, they pay for the preparation of powers of attorney - about 1000 rubles;
- valuation of the acquired object - from 2000 rubles;
- realtor services - from 35,000 rubles. More often this item of expenditure is included in the cost of housing, and the seller pays off with this specialist;
- insurance contract for the purchased property - from 0.15% of the loan amount;
- personal insurance title co-borrower - from 1%. This type of protection is voluntary.
![](https://i0.wp.com/bkbank.ru/wp-content/uploads/2017/11/kak-ponizit-procentnuyu-stavku-po-ipoteke-v-sberbanke.jpg)
To reduce debt service costs, you can take advantage of discounts on mortgage programs provided by the bank:
- 1% when applying for life and health insurance;
- 0.1% for electronic registration of the transaction. The cost of the service is 6,700 rubles. The state duty for registration will be 175 rubles;
- 2% when purchasing housing from an accredited developer;
- 0.3% when purchasing some real estate objects presented on the Dom Click website from Sberbank.
The size of the first installment affects the size of the interest rate on the loan: the higher it is, the less interest will be paid on the mortgage.
Additional costs when applying for a mortgage at Sberbank
Additional costs may include:
- a safe deposit box (from 1500 rubles), if the settlement with the seller is supposed to be in cash;
- copying documents;
- title insurance (protection against loss of property rights) is a voluntary type of insurance, which can be waived.
The seller pays for the order of an extract from the USRR (400 rubles). Information about the composition of the family, about the presence of debt for housing and communal services is free.
When is the down payment on the Sberbank mortgage paid?
Mortgage down payment is usually own funds future home owners. Most often, this amount is divided into 2 parts.
The first is an advance or deposit. In the first case, if the transaction does not take place for one reason or another, the entire amount is returned to the buyer. In the second case, if the buyer is the culprit of the refusal of housing, then the money remains with the seller, and if the seller, then he compensates the second party for a double deposit.
The amount of the first part of the advance payment is determined by agreement between the parties. More often this is an amount in the range of 50,000-100,000 rubles. It is transferred to the seller upon signing preliminary contract purchase and sale.
The second part is given on the day of registration of the transaction, when drawing up the main contract of sale. On the same date, the loan documentation is signed.
Each fact of the transfer of money must be accompanied by the signing of the relevant papers.
If we are talking about cash, the necessary inscriptions are made on the contracts of sale (both on the preliminary and on the main one). Additionally, especially for Sberbank, they write a receipt for the receipt of funds. It is desirable that the seller writes it personally and signs it only in the presence of the buyer.
![](https://i1.wp.com/denzhata.info/wp-content/uploads/2016/09/raspiska-v-poluchenii-deneg-za-kvartiru-po-ipoteke.jpg)
If a wire transfer is expected, then it is enough bank document, confirming the fact of transferring money.
When Sberbank transfers mortgage money to the seller
The relevant authorities have 5 working days for registration actions in relation to mortgage transactions. Upon their expiration, the buyer must receive registration documents, conclude the necessary insurance contracts and provide the resulting package of documentation to the bank.
After that, an application for a loan is signed. At the same time, an application is submitted for the transfer of these funds to the seller to the account, the number of which is registered in the sales contract.
In order not to lose on the commission when receiving funds, it is beneficial for the seller to have an account in the same territorial bank in which the buyer receives a loan. When transferring funds to another region or to another bank, the seller will have to pay a commission fee.
It is possible to receive the final payment in cash. Then the funds will be received on the day of the transaction, before visiting the registration authority. But they will be placed in a safe deposit box, and it will be possible to withdraw the money only after the registration of the sale and purchase agreement, that is, after the same 5 working days.
![](https://i1.wp.com/pronovostroyku.ru/wp-content/uploads/2017/05/754422399101637-1024x685.jpg)
Conclusion of a real estate purchase and sale transaction
At this stage, the borrower is step-by-step signing a number of agreements: safe deposit box(if necessary), purchase and sale of a property with a seller, mortgages with a bank.
The procedure for obtaining a mortgage and registering a property can be facilitated by using a paid service from Sberbank: electronic registration of a transaction. Accompaniment in this case is handled by a personal manager. An extract from the USRR will be sent to your email. This method of registration is available only on the condition that the property is not in shared ownership, and after the registration of the sale and purchase, the ownership will not be shared.