Finance, Banks
Housing loan of Sberbank of Russia: several special programs
Problems with housing in our country remain from the Soviet period. Today, everyone can buy an apartment or house at their own expense. But prices in the modern real estate market are too high, most people can not accumulate such funds in a short time. Here, perhaps, the most optimal option is to use the housing loan of Sberbank.
There are several programs for this loan product. Let's consider them in the tables below.
Loan product | An initial fee | Credit term | Annual rate in rubles,% | Annual rate in currency,% | a brief description of |
Housing construction | From 15% | Maximum 30 years | From 12.5 | From 10.5 | Issued for the construction of a house or other housing (on the security of this housing) |
Purchase of finished housing | From 10% | Maximum 30 years | From 12 | From 10 | On the purchase of housing, which will be a pledge |
Buying a house under construction | From 10% | Maximum 30 years | From 12 | From 10 | Issued for investment construction on the security of this housing |
Housing loan of Sberbank. Special programs:
Loan product | An initial fee | Loan term | Annual rate in rubles,% | Annual rate in currency,% | Brief description of the loan |
country estate | From 15% | Maximum 30 years | From 12 | From 10 | On the purchase of real estate outside the city (except for a dwelling house) |
Mortgage + maternity capital | From 10% | Maximum 30 years | From 12 | From 10 | The initial contribution can be made from the means of the parent capital, and hence the amount of the loan is increased |
Refinancing of mortgage loans | 0% | Maximum 30 years | From 12.25 | Not issued | Issued for repayment of a mortgage received in another bank |
Military Mortgages | From 10% | 20 years maximum | 10.5 | Not issued | On the purchase of housing, which will act as a pledge |
Garage | From 10% | 30 years maximum | From 12.5 | From 10.5 | To build or buy a garage for various collateral |
The annual interest depends on the down payment, the total loan amount and the maturity period. In the contract, the bank provides for a pledge of purchased housing, until the loan obligations of the borrower are fully fulfilled.
Who and where can a mortgage loan from Sberbank of Russia be provided?
You must be a citizen of the Russian Federation. You can get a mortgage in the Sberbank office, which can be located at the borrower's place of residence, at the location of the employer, the organization of the loan or at the location of the housing, under which the Sberbank housing loan is taken.
The application for a loan will be examined during the working week. Repayment occurs in equal monthly installments. It is possible to pay a large sum to repay the principal debt. This can be done on payment days, which are set by the payment schedule.
There are special lending conditions for young people - this is the housing loan of the Savings Bank "Young Family". For a family with one or several children, the initial contribution can be 10%, for a childless family - from 15%.
There is one more additional option if you use Sberbank's housing loan. This is a tax deduction, its amount is 13% of the amount of interest paid. Moreover, the value of the property tax deduction has increased. Earlier it was 1 million rubles, and now - 2 million rubles, which means that you have the opportunity to return more than 250 thousand rubles.
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