Credit for the purchase of finished housing. Loosen on the purchase of an apartment: Features of obtaining a loan, the overall procedure for design and is it possible to do without the initial contribution. What is mortgage

To buy your own housing, you have to contact the bank to attract borrowed funds, because, given the high cost of accumulating money on housing is almost impossible. Banks, in turn, offer targeted loans on a wide variety of conditions, however, most potential borrowers prefer to be credited to Sberbank of Russia. Many probably had to hear two such concepts as a mortgage and housing loan, but they believe that this is the same, although this is a big misconception.

What mortgages differ from the housing loan

To begin with, consider what a housing loan is. Actually, from his name, it is already possible to conclude that this is a target cash loan. The means of which can be aimed at buying a dwelling. His characteristic features are that the borrower issues a bank loan for a certain period of interest, but it is not secured. Simple words, the acquired object is drawn up directly to the buyer.

The lack of a housing loan is that it has the minimum time, which often does not reach 10 years, which is not difficult to conclude that the loan payments will be quite high. In addition, the loan percentage will be higher, because the bank carries the risk, because the loan is not secured by the key. And, by the way, the amount will be somewhat lower than in mortgage lending, and banks as carefully analyze the customer's solvency and the degree of its financial stability and responsibility.

Please note that in case of non-fulfillment of your obligations, the Bank is not entitled to claim the property of the debtor, the dispute will be solved in court.

Mortgage is also a target loan for the purchase of real estate, which is pledged at the lender until the terms of the contract is fully executed by the borrower. Here the client has the opportunity to take a loan for a long time, up to 10 years, at a low percentage, which greatly facilitates it to pay monthly payments.

But with the mortgage, the acquired object, though it is in the use of the borrower, its rights are strictly limited to the contract of collateral. That is, the borrower cannot dispose of property: to sell it, give or accept other actions to alienate property. Even if you purchased apartment by mortgage, you will not be able to rent it without the consent of the pledgee. And when violating the terms of the contract, the bank does not risk anything, because it has the right to realize property and cover its losses. At the same time, the price may be lower than the market, that is, the Bank protects exclusively.

Mortgage in Sberbank

To clearly understand what a housing loan is distinguished from mortgage in Sberbank, consider all mortgage proposals. And here, by the way, quite a lot of proposals for individuals, in addition, the Bank regularly conducts shares and reduces rates for certain categories of the population. So, what mortgage can be issued in the bank today:

• to buy housing on the primary market;
• to buy housing in the secondary market;
• military mortgage;
• country estate.

These are the main mortgage products in Sberbank, in these proposals these are various promotions, such as housing in the new building, buying apartments from Sberbank partner developers or a young family, these are families in which one of the spouses is less than 35 years old. The bank holds shares and reduces the rates in order to attract borrowers, by the way, the minimum mortgage rate today from 10.4% per year.

The remaining lending conditions are practically no different, minimum loan amount from 300 thousand rublesAnd the maximum is determined depending on the solvency of the client. Loan period from 1 year to 30 years Depending on the desire and material capabilities of the client.

As for interest rates, they directly depend on several factors, the lowest - the base rate is valid for salary customers of the Bank and increases by 0.5-1% for other customers. If you refuse to personal insurance, risks also increases several points.

Please note that during mortgage lending, the borrower has no right to abandon the insurance of mortgage property.

Housing loan in Sberbank

Many potential borrowers do not distinguish a housing loan and mortgage, which is the difference. Sberbank Housing loans does not give out, for the reason that this is not a lender is not a borrower. The bank bears the big risk of non-return of funds, and compensate the losses, sometimes even through the court is quite troublesome. The borrower this transaction is inexpedient due to high rates and short time.

In fact, most commercial banks prefer to work with a mortgage loan. This, by the way, not only minimizes their risk, but also brings big profit, so far, since the total overpayment on the mortgage is much higher than on a housing loan, due to a long period of lending.

Answer the question is that better: mortgage or housing loan is quite difficult, because the potential borrower chooses a banking product depending on its material opportunities. If the income allows you to make major monthly payments, the housing loan will be more profitable. For borrowers with an average income of the only way out for solving a housing issue will be a mortgage.

Sberbank of Russia One of the first began to issue a housing loan and continues to do so far, despite the difficult situation with the operation of the population and problems in the construction industry. In addition, the Bank greatly simplifies the receipt of a housing loan for disciplined borrowers and borrowers who do not have "unpleasant" credit stories with banks in the past.

In order to get a loan for housing in Sberbank, a document is needed, namely, a certificate of income (2-NDFL form) is officially confirmed by the borrower's splitness. This certificate can be issued in the accounting department of the enterprise where the borrower works. The presence of a passport of a citizen of Russia with a registry stamp is also a prerequisite. Pensioners should have a certificate from the social protection bodies of the population. An employee of a bank who is engaged in the design of a housing loan has the right to familiarize himself with the labor book of the borrower, since the overall work experience for the loan design should not be less than 6 months. Also, pay attention to the work experience in the last place (it is desirable that it also reaches six months). It should also be noted that Sberbank's housing loan provides persons aged 21 to 75 years.

Housing loan in the savings bank of the Russian Federation can be obtained to acquire real estate objects located in the Russian Federation. It can be apartments in finished houses, apartments in houses under construction, a part of an apartment or a residential building with several separate rooms, a residential building, cottage with a land plot or without a plot. Credit for housing in Sberbank can also be issued to acquire several of the same type of real estate objects, such as apartments and a garden house (cottage). It is possible to obtain a loan for the restoration of housing belonging to the old residential fund, as well as for the repair of housing. Credits are issued in rubles and in foreign currency (US dollar and euro). The amount of the minimum loan is not limited.

Customers who do not have the necessary amount of income to obtain a loan for housing in Sberbank can attract consoles. In this case, the sum of the overall income is calculated, which allows you to get a loan for a large amount. Communistrators are required to have the same documents that are required from the borrower.

Housing loan (any of its programs) is provided for a period of 1 year to 30 years. And if the client seizes the desire to repay the loan of the previously established period, it is not obliged to pay anything.

Depending on the choice of housing lending program, the amount of interest rate ranges in the range of 9.5% - 14%. So, if you make a loan for finished or built housing, the interest rate will be 9.5-14% (in rubles) and 8.8-12.1% in currency (provided that the loan is issued on the security of any housing, even credited); If you wish to make a loan for the construction of a residential building, the interest rate is 11.05-14% (in rubles) and 9.1-12.1% (in currency). If you get wages, using the services of Sberbank of Russia, you can count on obtaining a preferential interest rate.

Currently, several programs are offered for housing loan in Sberbank..

Program " Credit for real estate»It makes it possible to purchase any residential facility, be it home, apartment or part of the apartment (at home) related to the secondary market; You can also become a participant in equity construction. If the amount of the loan does not exceed 1,000,000 rubles, it is not necessary to provide a deposit of property to obtain a loan, it is enough to enlist the guarantee of the platforming physically. If the amount of the loan exceeds 1,000,000 rubles, the deposit of property is obligatory, and the property of the deposit cannot be real estate, which is given to the purchase of a loan.

Program " Mortgage»Allows you to provide an object of real estate as a collateral, on the purchase of which, in fact, credit and is provided. If you have no one to present in the form of a guarantor, you can make the use of individual bank safes.

Program " Mortgage +." The loan is issued only at the housing, which is built by developers who have received a loan for the construction of real estate in Sberbank. The deposit is also housing, which is provided with a loan.

When making a "mortgage loan" and the loan "Mortgage +", the interest rate for the use of the loan is reduced.

The "Mortgage Standard" program. As a collateral, any housing can be represented, even credited. The loan amount does not exceed 70% of the cost of housing, the acquisition of which is issued a loan. The interest rate is fixed.

Program " Young family" It makes it possible to get a loan for the purchase of housing in the event that the age of spouses (or one of the spouses) does not exceed 35 years. To calculate the loan amount, it is possible to take into account the income of not only young spouses, but also their parents, provided that parents are ready to provide financial assistance. For payment of the first contribution, 15% of the cost of housing is enough. If a child is born in the family, the bank can provide a delay to pay off the debt for the period from the moment of the birth of the child until the three-year-old age achieve.

When issuing a loan for housing in Sberbank of the Russian Federation, the borrower himself chooses the payment system convenient for it to pay for debt.

The client, issued a housing loan and having a plastic Sberbank card can entrust the bank with a monthly amount in the account of the debt repayment. This excludes the possibility of delay in payments and saves the client's time.

Sberbank may refuse the client in the loan design if the client represents fake documents or information (it is easily found when checking); If the borrower is unprecedented or its solvency does not meet the requirements of the bank.

The apartment question still worries a significant part of the population of Russia. Problems, as a rule, arise due to the fact that people lack money to improve housing conditions. Time is coming, and when they appear, it is not foreseen. Exit from a difficult situation is a housing loan. But it should not be confused with the mortgage, between two of these concepts a big difference. Today we learn, under what conditions a housing loan in Sberbank is provided in 2018, the main universal bank of the country.

What is the difference between a housing loan and mortgage

At first glance, it seems that housing loan and mortgage are synonymous concepts. However, it is not. When a person takes real estate in a mortgage, he becomes the full owner only after the final repayment of the debt. The bank will be the owner of the housing, and the real estate will be imposed.

Moreover, usually in the case of a mortgage apartment or the house is a deposit. If a person stops making monthly contributions, then with real estate will have to spread apart forever. The apartment or house purchased on the housing loan will only belong to the borrower. With real estate, you can do anything. It will be possible to sell, exchange, give.

What is a housing loan

Thus, a housing loan is the money allocated by the borrower on real estate. These funds can not only go to buy an apartment or at home, they can be spent on improving housing conditions: to expand the area of \u200b\u200bthe room, to build the second floor, for repairs or reconstruction.

For such a loan, pledge is required, it may be: other real estate, machine, jewelry. If the borrower ceases to fulfill debt obligations, the bank will not be able to pick up housing to debt.

Sberbank programs in 2018

In Russia, Sberbank was one of the first to give consumer loans to the population, it did not stop even in the context of a difficult economic situation. It is not surprising that many borrowers pay attention to this bank, a stable and reliable financial organization.

Among a range of consumer programs, housing loans in Sberbank are also provided. There are many proposals for real estate in the bank, they are not divided by the type of pledge, so all housing loans in Sberbank are called mortgage. We learn, under what conditions in 2018 the housing loan from Sberbank is provided to customers.

All loan programs are granted for up to 30 years. Exception: Military Mortgage, the debt on it can be paid off for a maximum of 20 years. The minimum amount of each loan is 300 thousand rubles (except for military mortgage). Money can only be obtained for the purchase of housing located in Russia.

Promotion to new buildings

The program is valid exclusively for buying real estate in new or houses under construction. The initial fee should be equal to at least 15% of the housing price, respectively, the maximum loan size is 85% of the cost of housing. The pledge can act as a credited premises and other real estate owned by the borrower.

For this housing loan, Sberbank promises a percentage rate of 9.40% per annum when complying with all insurance conditions, as well as if a complete set of documents is collected. At the rate of 8%, it can calculate the borrower whose housing is involved in the program subsidizing mortgage developers. One nuance of this promotion: new building should be accredited in the Sberbank program. With more detailed information on the credit program, as well as with the list of partners, the promotion can be found here: www.sberbank.ru/ru/person/credits/home/buying_project.

Acquisition of finished housing

For this credit program, you need an initial contribution in the form of 20% of the real estate price. Basic interest rate on mortgage - 9.1% per annum. Young families can count on a minimum rate of 8.6% per annum, this is a special campaign for a housing loan from Sberbank. The debt repayment is given a maximum of 30 years. Apply for credit and calculate the acceptable size of monthly payments here: www.sberbank.ru/ru/person/credits/home/buying_complete_HOUSE.

Mortgage plus maternity capital

Specifies when issuing credit programs Promotion on new buildings or purchase of finished housing. Special condition: Real Estate is drawn up in the ownership of who takes a loan. If the borrower is married, then housing can be made in the ownership of spouses. Maternity capital money is used as an initial contribution or to repay a part of the loan. Details about this housing loan Sberbank: www.sberbank.ru/ru/person/credits/home/mot.

Construction of a residential building

This loan is not highlighted on the purchase of already finished real estate, but for the construction of a private house. The initial contribution of the loan is 25% of the total. Interest rate - from 10% per annum. As a deposit, the future house or other real estate is made, as well as the land plot on which construction will go. Before designing the house, the borrower is obliged to provide any guarantees on the loan. It may be a guarantor or other property in the form of a collateral. Terms of this housing loan program from Sberbank and Calculator: www.sberbank.ru/ru/person/credits/home/building.

country estate

A housing loan option from Sberbank for those who have long been dreaming about the country or country house. The loan is provided to the purchase of already the finished housing of this type and its construction, as well as to purchase a land plot. The initial contribution is 25% of the loan amount. Interest rate - 11.5% per annum. Detailed information: www.sberbank.ru/ru/person/credits/home/buying_cottage.

Military mortgage conditions

A special housing loan program from Sberbank for existing servicemen who participate in the cumulative and mortgage system. Money is available for the purchase of finished real estate with a rate of 10.9% per annum. The maximum loan amount is 2,220,000 rubles, an initial contribution to at least 20% of the loan amount. Details about the program: www.sberbank.ru/ru/person/credits/home/military.

Documents and requirements for the borrower

To obtain a housing loan in Sberbank, the borrower must confirm its solvency. This is done using the certificate of income from the place of work in the form of 2-NDFL. The borrower should work in one place for at least six months, the bank manager will definitely look into the employment record. You need a passport of a citizen of the Russian Federation, as well as registration.

Getting money under the conditions of housing loan from Sberbank in 2018 can face aged 21 to 75 years. Pensioners need to provide a certificate from social protection bodies. If the client has too small income, it can attract co-coaches and take Sberbank housing loan together with them.

Conclusion

Reliable conditions for housing loans from Sberbank in 2018 attract the attention of many customers. The bank tries to make a percentage rate of small, this year for transactions fully executed and prisoners on the site, there are minimal interest rates. No one housing loan Sberbank is not taken by the Commission.

At the moment, in the Russian Federation, the needs of the population in housing is not satisfied. Residential real estate is still one of the most popular assets, at the same time representing a liquid deposit for creditors.

On the other hand, the cost of housing is so "lagging behind" from the level of wages, which is almost impossible to accumulate the required monetary amount. In addition, the unbalanced situation in the labor market does not guarantee the stability of the subsistence minimum and consumer basket. In such conditions, young families (they particularly need housing) are forced to rent apartments, paying money "to nowhere". However, there is an alternative solution in this situation. He offers a public joint-stock company Sberbank of Russia.

What is a mortgage?

This is a loan that is issued on the security of the acquired housing. Ownership of the house or apartment belongs to the buyer, but the transactions with the acquired property are restrictive in terms of mortgage. The burden is removed after paying the loan amount in accordance with the terms of the lending contract.

Until recently, the loans were actively issued to primary housing - a newly built and commissioned object, which was not previously used. But over time, the secondary housing market has gained high popularity among financial structures. Currently, at home and apartments purchased from developers, and the owners have become one of the most liquid (attractive guaranteed and fast sale) types of pledge.

Credit for the purchase of residential real estate offers different banks. But a savings bank enjoys great confidence among borrowers and pledgers. Young families planning to purchase housing is not a secondary market in 2017, Sberbank offers an excellent solution: a mortgage loan from a rate of 12, 5% per annum. To learn more about the cost of the loan, you can use the Sberbank Calculator online and independently produce the necessary calculations.

Conditions for issuing mortgage loans in Sberbank PJSC

First of all, it should be noted that the mortgage is a target loan, i.e., cash is issued on the purchase of the finished residential premises - apartments or at home. It should be noted here that not all houses are suitable for the mortgage lending program, but in any case, this loan product is intended for the acquisition of real estate only in the secondary housing market.

The amount of mortgage loan from Sberbank begins from 300,000 rubles, the maximum loan return period is 30 years. The values \u200b\u200bof the first contribution (15% of the total housing price under the contract) are sufficient for making a mortgage.

The terms of the mortgage program from Sberbank provides for shares for young families. In particular, the bank loyally refers to the Borrower Insurance Program and the package of documents provided. However, the size of the allowance to the interest rate depends on these parameters. The grounds for their accrual are the following positions, respectively:

• lack of income confirmation (+ 0.5 pp);
• borrower refusal from health and life insurance program (+ 1 pp);
• the borrower does not use the salary card and the current account opened in Sberbank (+ 0.5 p.).

The lowest mortgage percentage is 12.5% \u200b\u200b- provided if the sum of the initial contribution is at least 50% of the total cost of housing. At first glance, the amount of 1 contribution may be alert, but if you calculate how much it can be saved on percentage, then it is a completely harmonious scheme. Moreover, the first installment actually goes to pay a part of the cost of the house, and thereby actually reduces the amount of financial obligations to the bank.
The conclusion is obvious: to get a mortgage loan in Sberbank on favorable terms, it is necessary to fulfill the following requirements:

1. salary cards to open in this bank;
2. enter into a life and health insurance contract with an insurance company;
3. officially confirm revenues (provide a certificate in form 2 NDFL).

The procedure for obtaining a mortgage loan in Sberbank

Before applying for consideration by the Credit Committee, it is necessary to form a package of required documents. The main information should reflect the description, specifications and address details of the purchased real estate. This includes:

• contract of sale;
• technical certificate;
• independent assessment of the market value;
• a document confirming the amount of the first contribution of housing.

At the request of the bank, additional documents may be requested. In addition to the documents for the property, the borrower provides a passport, certificate of INN, a document on the composition of the family, about income. Together with the application for the issuance of a loan, the package with the specified documents is submitted to the Bank's credit expert. The loan application is considered by the Credit Committee, and no later than 3 days after the application is satisfied. The decision is reported to the Client, which should be in the bank for signing a loan agreement.

After performing all the necessary formalities, the amount of money approved by the Credit Committee is translated from the real estate seller. Next, ownership of the acquired property of real estate, burdened by the mortgage, is registered in Rosreestre.

What is the advantage of mortgages from Sberbank

Upon conclusion of the financial market experts, the advantages of a mortgage loan for the purchase of housing in Sberbank are obvious. First of all, it is an opportunity to buy housing to young families. If the borrower provides all documents and references, then the interest rate will be minimal.
At the same time, without confirming income, you can get the amount up to 15 million rubles. The bank does not carry out any commission fees in this case. If the amount approved by the bank is not enough for the purchase of a house, then according to the terms of the contract, you can attract solvent and responsible coaches. At the same time, each credit application is considered individually.

For employees of companies accredited by Sberbank, preferential lending conditions are provided if their salary is transferred to cards issued by Sberbank. In addition, the Bank grants credit cards:

• personalized (limit 200 thousand rubles);
• non-loyalized (limit 150 thousand rubles).

Depending on the needs and values \u200b\u200bof constant income, customers can use the bank's offer and issue a credit card.

For residents of Moscow and Moscow region in the coming year
it offers a mortgage loan to 15 million rubles. Includes certificate is not required. Under the terms of the contract, 50% of the cost of purchased real estate will need to be made as an initial contribution. For other regions of the Russian Federation, the upper loan limit will depend on the location of the housing (but not more than 8 million rubles).

Special offers from Sberbank

When making a mortgage, you can use the "Maternity Capital", confirmed by the certificate of the established sample. The certificate can also be applied to repay the loan partially, or in full.

In addition, the borrower may issue a tax deduction on income tax (total no more than 260 thousand rubles), and dispose of this amount at its own discretion. In detail about the products and promotions of the bank, you can find out by contacting any of the existing offices.

Too expensive problem solving tool. Others believe that this is their only chance that will allow accommodation right now. At the same time, paying with the bank is for a very long time. But there is another solution to take a housing loan.

What it is?

Housing loan is a special form of lending, which does not imply the transfer of property secured to the bank. In this case, you simply make a target loan for the purchase of a home or apartment. At the same time, he has a number of its features. Housing loan is becoming increasingly popular. This is due to its main advantages:

1. Comparative simplicity of design;
2. Lack of need for insurance;
3. Lack of property pledge for real estate.

But this form of the loan has its drawbacks. Monthly payments are usually quite high. This is due to the fact that the loan is calculated for only a few years.

What does he differ from the mortgage?

Mortgage is a pledge form, which is superimposed on housing for the entire repayment period. The property is owned by the borrower, and it passes to the lender only in the event of non-fulfillment of loan payment obligations. As for the housing loan, it is connected only with the payment of debt and interest for use.

Note! Credit is issued under a certain purpose, which is stipulated by the terms of lending. As a rule, two guarantors are required when designing a housing loan. But you will not need to transfer home the deposit.

The following requirements are presented to guarantors:

1. The income of one of the guarantors must be proportionate to the income of the borrower;
2. The guarantors should have official work;
3. The age of guarantors should be included in the borders established by the Bank.

Since the mortgage assumes the execution of a collateral for the purchased real estate, the bank does not risk anything. When not payable, it can implement mortgage property. For this reason, the banks provide more favorable conditions on the mortgage. On the other hand, when not paying a housing loan, you do not risk your real estate.

Thus, the following differences are distinguished:

1. The main difference is associated with the right of ownership of the purchase. In the case of a housing loan, a person becomes the owner at once. In the case of a mortgage, the Bank imposes a pledge to the object of real estate, which is not removed until the debt repayment.
2. To obtain a mortgage loan, it is necessary to prove its reliability as a payer. And the acquired property of real estate should be liquid. If you take a housing loan, you will need guarantors.
3. In the case of a housing loan, the total overpayment will be much smaller. But this is due to a significant reduction in maturity, because of which monthly payments will be much larger than with mortgage.
4. Mortgage can be repaid for a period of up to 30 years. At the same time, the buyer overpays quite strongly. This is the optimal solution for those who have no funds for the purchase of their own housing. But if the borrower has about 70% of the cost of the apartment, it becomes possible to pay off a loan much faster.

Basic conditions and requirements for borrowers

Housing loan is issued on a relatively small time interval. In rare cases, it can be comparable to a mortgage. As a rule, it is issued for 5-7 years. As for the mortgage, it will reach 25-30 years. On average, the amount of housing loan is limited to 10-15 million rubles. To get it you need to comply with a number of conditions. They may differ in different banks. So, to obtain a million rubles will have to confirm the monthly income, which must exceed 50 thousand rubles.

There are restrictions on time and sum. Specific indicators will depend on the specific choice of the bank and its requirements.

Even when choosing a housing loan, a down payment is needed, the size of which is determined by many factors. Much is determined by the following parameters:

• Term under the contract
• Individual requirements of the bank,
• Real Estate View - an object under construction, new building, secondary housing.

Some other features that affect the amount of the first contribution are possible. On average, its size is 15-20 percent. After registration you are waiting for interest payments and the balance of the amount of debt.

Providing a housing loan in the new building

There is its own specificity. You may be suggested to make a first installment that will leave at least 30-40%. The monthly payments are expected to pay for a certain percentage, which is usually about 15%.

When buying an apartment, an accredited developer of additional documents will not be required. To facilitate the procedure for obtaining a housing loan, the developer must pass the bank accreditation. Usually the contract is issued until the completion of all construction works. For this reason, it is necessary to carefully choose the developer, checking it on reliability.

How and where to buy an apartment on credit

To purchase a loan apartment you need to evaluate our own abilities in maintaining a large loan. To do this, it is important to identify the following parameters:

• How old you have left to pension;
• Average monthly family expenses;
• Cumulative income working family members;
• Accumulations that can be used as an initial contribution;
• Approximate cost of housing.

Select multiple programs in several banks. Then refer to them to discuss credit conditions. This is due to the fact that in the process of consultation, additional features and payments may appear, about which there are no information on bank sites. You can submit a preliminary application for a loan to find out how much the bank can offer you. The decision maker is from two days to a month.

After approving the apartment by the bank, there is a deal. As a rule, a deposit for the apartment is taken from the buyer so that the seller stops searches for buyers. This amount will be small, but sufficient to compensate for losses in the case of a transaction. After signing the contract of sale between the buyer and the seller, the bank lists money.

Comparison of banking proposals Table

How to get a loan to improve housing conditions

If necessary, get a loan to the first apartment often arise problems. But if you already have it, and you want to improve housing conditions, you can use credit funds. Banks offer programs to improve living. In this case, funds are provided on the guarantee of already available housing. The funds obtained can be used at their own discretion on repairing or improving the characteristics of an apartment or at home.

Standard requirements look like this:

• The age of the borrower from 21 to 60 years,
• Official work experience at least six months
• On average loan is granted for up to 15 years.

Note! Housing loan you can get not only for the purchase of new real estate, but also for repairs or reconstruction of available housing Or some part of it.

Lending terms:

1. The minimum loan is 300 thousand rubles, and for Moscow and the Moscow region - 600,000 rubles.
2. The maximum loan amount is 10 million rubles, but not more than 50% of the value of the apartment layered.
3. The period of payment of borrowed funds is from 3 to 15 years.
4. The interest rate is set from 15.5%.

In Delta, a loan is a program provided to improve housing conditions. She has the following main parameters:

How to get a loan for secondary housing

First you need to decide. According to the law, the real estate is on which it has already been received. It does not matter the year and the status of the construction. Therefore, secondary can be like a fairly old house, and relatively recently built.

To get a loan, you must first approve a loan application. It is desirable to choose several banks. Collect a package of documents for them and approve the loan amount. When the amount is known, you can pick up an apartment. Do not forget to prevent the seller that you will pay for the deal at the expense of credit funds. When a contract between you and the seller will be issued, the bank will list the necessary amount for the apartment. And you will only have to pay payments.

What is better, mortgage or housing loan? Everyone in his own way decides this question. One of the advantages of the mortgage is the ability to pay a loan for a long time with respect to small sums. But if you have the main amount and not enough not so much for the purchase of housing, the housing loan will suit the best way. In this case, for a relatively short period of time, you can pay the remaining cost of housing.

What is better, housing loan or mortgage - on video

The advantages of this or another way to solve the housing issue explain Sberbank experts.