Mortgage "Sberbank": comments and suggestions

A variety of mortgage options in "Sberbank" allows you to choose the optimal loan for each citizen. This type of lending has a huge plus, a bonus, so to speak.

The mortgage of Sberbank, which you can hear about everywhere, is different from other programs offered by other institutions. The Commission is absent, and the initial contribution is only 10%. And it does not matter if it's refinancing a housing loan or buying a new apartment. This essential feature is inherent in every type of loan. But what is reality?

How to get?

Mortgage loans in "Sberbank" to get quite easily, you just need to bring a certificate of income in the form of NDFL-2 and pay 10% of the cost of the apartment. In addition, the bank issues loans for both the purchase of housing in Russia and abroad. Moreover, the loan currency can be both national and foreign.

"Mortgage +"

There is a kind of mortgage loan, like "Mortgage +". This option will allow you to buy the new apartment on the most favorable terms. Since according to his rules, an apartment can only be purchased from the developer company, which itself took out a loan for the construction of new housing. This can be attributed both to the pluses (the rates on the loan will be less than usual), and to the minuses (housing will be in a certain locality) of this type of mortgage. Therefore, before happily signing the contract, it is better to hear the opinions of people who are already experienced in this business, who know firsthand what a "mortgage " of Sberbank is (you will find them useful), and only after that can proceed with the processing of documents.

"Savings Bank": mortgage "Young Family"

The most attractive type of mortgage lending is the "Young Family" program. At the same time the borrower's age should not be more than 35 years. Such a demand is made by Sberbank. Mortgage to young people also implies an obligatory condition for obtaining - the presence of a registered marriage. The advantage of this type of loan is that the income of a young family is considered together with the income of their parents, which greatly simplifies the situation. Parents act as co-borrowers, and this increases the chances of buying an apartment. And if in a young family there is a small child, the amount of the initial payment can be only 5%.

Mortgage "Savings Bank": reviews and conclusions

However, it should be borne in mind that, despite the enthusiastic reviews of many borrowers who have taken a mortgage in Sberbank, there are some shortcomings.
They include a long waiting period for the bank's decision to make a decision: it can reach a month or more. The loan term is usually the maximum plus the loan rate itself will be known only when you sign the contract. This is because the rate is set at the discretion of the bank's management. Of the pros, as mentioned earlier, low initial deposit and not too large, in comparison with other mortgage programs, interest rates.

In order to know exactly all the types of loans offered, you just need to read them on the bank's website, collect the most complete information on the subject of "mortgage" of Sberbank ": reviews and conditions," or go to any of its branches and consult with a specialist.