Affordable and interesting loan in Sberbank for housing

As of today, loans in Sberbank for housing - one of the most interesting ways to acquire their own real estate. The most important thing for a borrower is that the said bank has become more loyal and unbiassed about its potential customers. This alone can not but rejoice. Currently there are 7 loan programs, of which 3 are basic, and 4 are special.

What makes it possible to buy a loan in Sberbank for housing? The list of options, it should be noted, is quite impressive. Citizens, using the money of the lender, have the right to either buy the property they like (new or under construction), or independently deal with construction. In the second case, for example, the construction of residential buildings, as well as garages.

On what conditions is the mortgage provided in the Savings Bank of Russia? It is clear that all seven existing programs in some details are different from each other. Below are the criteria that can rightly be attributed to the general (basic):

• the maximum period for which a loan can be issued is 30 years;
• The minimum amount depends on the currency: in rubles - 45 million (or the equivalent in US dollars or euros). As for the construction of country houses, the amount is much more modest here. It is 300 thousand rubles or the equivalent in foreign currency;
• the maximum amount is not regulated. However, its size can not be more than 85% of the value of the object (the latter can be either contractual or valuation, in any case, a smaller one is chosen);
• pledge - the property being acquired or the one already owned by the borrower. However, a loan in Sberbank for housing can be issued for other types of security.

Next, you should talk about interest rates. The mechanism of their formation is not easy. A number of factors exert special significance for the amount of interest for which a loan is granted in the Savings Bank for housing. The main one is the amount of the initial payment. Here the dependence is inversely proportional: the higher it is, the lower the rate. The period during which the borrower intends to repay the amount taken is also important. The faster he does it, the less he will pay. Finally, the customer's place of work is important: for the collectives of some organizations, special loyalty programs operate .

If you want to get a loan from Sberbank of Russia, then you must meet a number of requirements. First, you must be at least 21 years old, but not older than 75 years to the day when you can happily say: "I do not owe anything to anyone!" Secondly, a loan of the type described is available only to citizens Russia. Confirm this fact with your passport. Otherwise, the requirements are quite traditional. Take at least the same work experience. Or a good credit history. And we are talking not only about the nature of relations with this banking institution, but also with all the rest. Pay attention to such a time, as the involvement in the proposed transaction of guarantors. And the spouse or spouse must necessarily act as the title co-borrower.