Preferential mortgage: conditions for obtaining. Who is eligible for a mortgage? Mortgage benefits Who is given a preferential mortgage on housing

. In the application, you need to choose the method (form) of providing housing - social mortgage. Everyone must sign it. Applicants are everyone listed on your record.">Applicants and Family members are the spouses and minor children of all applicants.">their family members.

If necessary, submit documents for . This procedure is carried out at least once every 5 years. Also, it must be carried out at least a year before the decision to provide housing and immediately before such a decision is made. This is necessary to make sure that you still have the grounds to be on the housing register. Usually the procedure is carried out without the participation of the waiting list. But if necessary, you may be asked to submit missing documents.

Choose accommodation. After changes are made to your record, the Department of City Property (in accordance with A number in the housing registration queue is assigned only to those who are recognized as in need of better housing conditions (registered before March 1, 2005), and to those who are recognized as needing housing (low-income citizens registered after March 1, 2005). Residents of Moscow, recognized as needing assistance in acquiring residential premises, are on the housing register without assigning a number.

You can find out your place in the queue by sending a request through one-stop service of the Department of City Property of Moscow. You will receive a written response within 30 days.

Russians usually take mortgages for many years. This is a heavy burden that everyone wants to get rid of as soon as possible. Of course, in such conditions, no one will refuse any state assistance. Today we will consider all possible mortgage benefits available to citizens in 2018.

Much attention is paid to mortgage issues today. The authorities are interested in solving the demographic problem and see support for families in need of better living conditions as one of the strategically important areas. We present to your attention the key government programs that allow you to receive mortgage benefits in 2018.

Mortgage 6%

Although mortgage rates are steadily declining, they still remain in the 9-10% region. And I would like less. When a loan is taken for many years, each extra percentage point translates into huge sums.

The state program of issuing mortgages at 6% will come to the aid of citizens. But keep in mind that this program is not designed for everyone. Only families with children will be able to take advantage of the preferential loan. And it is necessary that the second or third child in the family appear in a strictly specified period from 2018 to 2022.

The 6% mortgage rate will have a limited duration. It can be 3 years if a second child has appeared in the family or 5 years if a third child has appeared in the family. A maximum of 8 years can be obtained if, during the servicing of a mortgage loan received for a second child, a third child also appeared in the family.

After the grace period, the 6% rate will be replaced by the rate, which is formed according to the formula "the key rate of the Central Bank of the Russian Federation + 2 percentage points". Thus, at the moment the rate would be at the level of 9.75%. The value calculated by the formula cannot be exceeded.

Equity mortgage

By the way, if the owner of family capital needs to use the money to pay off interest on a mortgage loan or as a down payment on a mortgage, then he does not need to wait until the child turns 3 years old. This can be done at any time after the second child appears in the family. But in all other cases, in order to use the funds of the capital, you will have to be patient for 3 years.

Finding a bank that accepts capital to pay the down payment on a mortgage is not difficult. For example, Sberbank invites citizens to consider the Mortgage Plus Maternity Capital program.

In addition to the standard set of documents, the borrower needs to provide the bank with a state certificate for maternity capital, as well as a document from the PFR on the balance of capital funds.

Young family

If you want to get mortgage benefits, then it makes sense to look at the Young Families Support Program. This program has been operating in Russia for more than a year. A few years ago, it was extended until 2020.

Its essence is simple. A young family receives a cash subsidy from the state, which can be used to pay off a mortgage, pay a down payment on a mortgage, or buy a home.

The amount of the subsidy is 30% of the average cost of housing if the family does not have children and 35% for families with children. To calculate the average cost of housing, will take into account the number of family members and the price of "square" in the region where the family lives.

In order to receive a subsidy, program participants must meet a number of conditions:

• the age of the spouses of the family should not exceed 35 years
• a young family should be recognized as needing housing
• a young family must have income sufficient to service a mortgage, or the funds necessary to pay for housing in excess of the subsidy provided

Applicants for a subsidy should contact the local government and find out what documents should be submitted to receive assistance.

Typically, the list of required documents includes:

• application in the form
• copies of documents of family members
• copy of marriage certificate
• a document that confirms that a young family really needs a living space
• documents that confirm the availability of income

If a young family plans to use the subsidy to pay off part of the mortgage loan, then a copy of the loan agreement, a bank statement on the balance of the debt, and an extract on the rights to housing that was purchased with a mortgage will also need to be added to the above list of documents.

Regional programs

When studying mortgage benefits, citizens need to pay attention to various regional programs. Each region has its own ways of supporting certain segments of the population.

For example, in the Moscow region, doctors, teachers, young scientists and specialists can buy an apartment on a mortgage, paying only the interest on the loan. But the down payment and the rest of the cost of housing is subsidized by the government of the region.

Doctors to receive a social mortgage must meet the following requirements. You must have three years of work experience, the highest or first category, be ready to conclude an employment agreement to work in a medical institution in the Moscow Region for a period of more than 10 years. Also, the applicant should not have housing in the Moscow region.

Help for debtors

Citizens with a mortgage who find themselves in a difficult financial situation and who meet the conditions of the program can count on state assistance. This support is expressed in the write-off of up to 30% of the loan debt, the abolition of fines and penalties, the introduction of a special interest rate of no more than 12%.

But the conditions of the program are quite strict. Only those who have a really difficult situation will be accepted. If you want to know the details of this program, we advise you to take a look at the material "".

And if there is not enough money to pay, then MFIs offer their help. They give out.

I read good news about mortgage conditions since 2018 in Tinkov's magazine today. It's good to share good news.

New preferential mortgage program from 2018

Government approved mortgage program on preferential terms. This is not the program under which they wrote off up to 1.5 million rubles of debt, but a completely new one. On it, you can take a mortgage immediately at a preferential rate - 6% per annum for the first few years. Or refinance an existing loan and pay less interest for several years. Then the rate will be higher, but still below the market average.

Ekaterina Miroshkina

economist

With the terms of the program, not everything is clear yet. Deal with what is.

A source:
PP dated 30.12.17 No. 1711

Who gets a mortgage

Mortgages under this program will only be given to families in which the second or third child is born from January 1, 2018 to December 31, 2022. Parents and child must be citizens of the Russian Federation.

Everything is strict with dates and children. A family with one child cannot participate in the program, regardless of income. If the second child was born last year - too. If there are already three children and a fourth is planned, there will be no preferential rate. At least under this program and under these conditions.

When do I need to apply for a mortgage to qualify for the program?

To take a mortgage at a reduced rate, you need to draw up a loan agreement from January 1, 2018 to December 31, 2022. The mortgage must be in rubles - they will not give you a foreign exchange subsidy.

There are no restrictions on the term of the contract. You can take out a mortgage for 5, 10 or 30 years. This is approved by the bank, taking into account the solvency of the borrower.

It follows from the terms of the program that it is possible to refinance a loan that was issued before January 1, 2018. But only on condition that the second or third child is born, and the partner bank refinances the old loan after January 1. But the wording is complex, so we requested a comment on this from AHML. We'll let you know if they answer.

For which housing

The loan must be for the purchase of an apartment or house with a plot in the primary market. This may be a purchase and sale agreement or an agreement on participation in shared construction. The main thing is not secondary.

The seller is only a legal entity. This is directly stated in paragraph 10 of the program.

Amount of credit

For regions - up to 3 million rubles. In Moscow, the Moscow region, St. Petersburg and the Leningrad region - up to 8 million. This restriction is not for the price of an apartment, but for the loan amount. The apartment may cost more.

An initial fee

The borrower must pay a minimum of 20% of the cost of housing. When refinancing, a new loan should be no more than 80% of the value of an existing home.

It is not necessary to use your own funds for the initial contribution. You can use maternity capital or employer money. For example, if you make the entire mother's capital as a down payment, you can buy an apartment for 2.2 million rubles at 6%. With this money in many regions you can buy a three-ruble note in a new building.

When a child is born after January 1, 2018, the rights to maternity capital and preferential mortgage arise simultaneously. And in order to use mother capital for a down payment, you do not need to wait for the child to be three years old.

If the child was born before January 1, you still have the right to a certificate and you can immediately put it into action.

There is also an option to use part of the maternity capital for a down payment, and arrange a part as monthly payments and pay off the mortgage with them. Think about which scheme is right for you, but remember that payments and a preferential rate will eventually run out, and you will still have to pay a mortgage.

Rate during the grace period

Initially, the rate will be 6%. But this is not for the entire term of the mortgage, but only for the first time. The term of the preferential rate depends on how the child will be born in the family.

The conditions are:

• a second child is born - the rate is valid for the next three years;
• the third - within five years;
• first the second, then the third - a total of eight years.

If there is only one child in the family, you can take a mortgage under normal conditions, and after the birth of the second child, refinance it at a reduced rate.

What will happen to the rate later

When the grace period ends, the rate will increase. It will be equal to the key rate of the Central Bank on the date of the loan plus 2 percentage points. If you take a mortgage now, then after the grace period, the rate will not exceed 9.75%. The program says that 2 percentage points must be added to the rate on the day the loan is granted, and not to the one that will be in effect when the 6% period ends.

This means that if in three years the Central Bank's rate decreases significantly (well, suddenly), then 9.75% may not be so profitable. But in this case, the conditions of the program may be revised. For example, they can link the rate to another period, fix it, and generally do anything. Now taking a mortgage under this program is more profitable than without it, whatever one may say. And for some, this is a chance.

Monthly payments

The rate is subsidized only for loans with annuity payments. This is when the payments are the same every month.

There are also differentiated payments - they are gradually decreasing. There will be no such subsidy.

If you do not understand the terminology, look at the chart from the bank. Payments are equal - then it suits you.

In which banks can I get a mortgage under this program

Not all banks will receive subsidies, but only large ones with large volumes of mortgages.

There is no specific list yet. But do not rush to go to any bank, so that later it does not work out like with the previous program. Then many failed to refinance the loan, because the bank could not participate in the program. Follow the list on the AHML website. We have made a request to their press service and will keep you updated.

UPD: Here it is order of the Ministry of Finance with a list of authorized banks

What documents are needed for a grant

There is no specific list in the rules of the program. You will definitely need a loan agreement, documents on the birth of children and an apartment. The bank will tell you what certificates to collect, but they are unlikely to be many.

In this program, there are no requirements for family income, apartment area and social status, like last time. By the way, there are no restrictions on the availability of other housing either. So you can buy an apartment for a child, even if the family has a place to live.

Under this program, you can write off part of the debt, as before?

No, that won't work. This is a new program with new conditions - the bank can only lower the rate, but will not write off part of the debt and will not shorten the term. Only if you negotiate and refinance on some other personal terms.

Can I withdraw the subsidy in cash?

Nothing is given out in cash. The subsidy is received not by the borrower, but by the bank. He lowers your mortgage rate and receives compensation from the state for lost income.

Why this program if it doesn't help everyone?

Not a single program of state mortgage support helped everyone. Previously, the state tried to help families in a difficult financial situation or foreign currency borrowers.

Now, with the help of a preferential rate, he wants to increase the birth rate. The goal of the program is to motivate families to have a second or third child. Many are stopped by the problem with housing and expensive mortgages. Places in kindergarten are guaranteed to be provided only after three years. Until the child is three years old and the mother is on parental leave, the family's income will decrease. Even if you take out a mortgage, it's hard to pay it off.

The state says: give birth to more children - then the mortgage will be cheaper. Here is the maternity capital for the down payment or monthly payments for the second child. And here's a lower mortgage rate. Buy a bigger apartment and improve the demographic situation.

Mortgage subsidies will also help other industries. They are given only for primary housing - families will buy more apartments, builders will build, workers will receive a salary and also buy something. This will benefit families, businesses, and the state. At least that's the idea.

Is this program for a long time?

There is no specific end date. There are only restrictions on the term of the contract and the birth of children. But there is still a limit on the amount of subsidized loans - in total, they plan to issue them at a reduced rate for 600 billion rubles. This is the amount of not subsidies, but loans. The government believes that hundreds of thousands of families will receive preferential mortgages.

When it will end, it is difficult to guess. There have already been cases when state support for mortgages suddenly ended two weeks after renewal, and then resumed, but on different conditions. How it will be this time, no one knows.

See what the Minister of Construction has to say about the terms and conditions of this program in an interview with the Russia 24 channel.

What to do now?

Now you need to understand the conditions of the program in order to understand whether you can qualify for a preferential rate.

If you can, or you definitely can soon, you should follow the list of partner banks on the AHML website. Or make a request to the bank where you already have a mortgage or plan to apply for it.

If the program does not concern you yet, but you were planning a second or third child, you can keep it in mind. But you should not rely on benefits and plan children only for the sake of preferential mortgages. Rates and conditions are changing, money is running out, and children and loans are not going anywhere. Do not refuse the help of the state, but always rely only on yourself.

Free consultation of our lawyer

Do you need expert advice on benefits, subsidies, payments, pensions? Call, all consultations are absolutely free

Moscow and region

7 499 350-44-07

St. Petersburg and the region

7 812 309-43-30

Free in Russia

In Russia, mortgages have become a standard practice for purchasing a home. A loan of this type allows you to buy a house or apartment now, without spending decades raising funds that can depreciate at any time. The disadvantage of a mortgage is that, like any loan, it requires overpayments. Often, the money spent as a result of taking a loan could buy two apartments or two houses.

The preferential mortgage provided to some categories of citizens is much more profitable. It allows you to get:

1. A loan with a reduced, in relation to the market, interest.
2. State compensation for part of the interest accrued by the bank.

If the family manages to get a preferential mortgage loan, there will be an overpayment, but not so significant. Moreover, such a debt is much easier to pay off, since it will not be ruinous for the family budget.

Recipients of benefits from the state have the right to dispose of it as follows:

• pay off the final share installment;
• pay the principal part of the loan;
• pay the cost of the construction contract;
• repay part of the interest;
• make the first installment.

Let us consider in more detail the question of what is a preferential mortgage and how to take it in 2017.

In Russia, the problem of low birth rates remains. One of the reasons is expensive housing. The average young family has nowhere to give birth to children and nowhere to raise them. Everyone wants to see their kids happy. And happiness begins at a full-fledged family hearth. State support for young people in terms of allocating funds for the provision of preferential mortgages is aimed at increasing the birth rate in the country.

Subsidizing in this area has two directions:

1. Young family.
2. Housing for a Russian family.

A young couple who has registered a relationship can receive a benefit if they meet the following conditions:

• spouses' incomes make it possible to pay part of the debt to the bank;
• a married couple is included in the lists of the municipality as in need of better housing conditions;
• couple or single parent citizens of Russia;
• one of the two representatives of a young family is not more than 35 years old.

To obtain benefits, you should contact the local municipality with the necessary list of documents. Upon approval of the application, a certificate is issued. This document will serve as the basis for the privilege.

Important: The certificate is not permanent. After receiving, it must be submitted to the bank within 7 months. The certificate must be submitted to another financial institution within 3 months.

The amount of subsidies depends on the presence or absence of children of the applicants. If there are children - 35% of the cost of housing being built or purchased is allocated, if there are no children - 30%.

Preferential mortgage during renovation

In some regions, for example, in Moscow, the state housing renovation program is being actively implemented. Its essence is that residential buildings erected in 57-75 years of the last century are being demolished. People living in these buildings receive new comfortable apartments of equal size, number of rooms and location in new buildings. Only common areas can be increased in area without additional payment.

Registration of a preferential mortgage is undertaken when the resettled citizens intend to move to a larger living space.

Preferential mortgage for state employees

Another problem in Russia is the lack of prestige of low-paid budget professions. With the aim of attracting specialists to the public sector, the state has developed another type of mortgage benefits for representatives of public sector professions.

To be eligible for a mortgage, applicants must meet the following conditions:

• be able to document the need to improve housing conditions;
• have at least 3 years of work experience;
• works in the public sector of the Russian Federation.

Before receiving a benefit, applicants are advised to familiarize themselves with the terms of its provision. In different cities, they differ, as decisions are made at the local level.

Preferential mortgage for large and low-income families

If in a family for each member the amount of income is lower than the subsistence level recognized in the region, such a unit of society is recognized as poor. Large families in Russia are considered to be families in which more than 3 minor children are brought up.

For both categories, state assistance is provided to improve living conditions. It is expressed as follows:

1. social housing. The bottom line is that the family receives housing, the actual owner of which is the municipality or the state.
2. Easy mortgage. This type of support is provided by credit companies. The basis is a petition signed by representatives of the regional authorities.
3. Cash payments. The municipality issues a certificate according to which its owners receive material assistance.

Preferential mortgage for the disabled

The income of persons with disabilities is often limited to pensions and benefits. From the point of view of the state, this is not considered income. Banks that profit from loans are not interested in cooperation with this category of the population.

There are no special benefits for obtaining a mortgage loan by disabled people either at the federal or regional levels. However, persons with disabilities may receive benefits under the Social Mortgage Program.

Preferential mortgage for the military

Military personnel, subject to the conditions provided for by the Law, may also receive preferential
mortgage. Here are the conditions:

• the age of the applicant is the maximum for being in the armed forces;
• service life of at least 20 years.

The latter condition can be reduced to 10 years if the applicant was made redundant or left the service for health reasons.

Also, since 2005, a NIS program has been provided, the participants of which (contractors who have concluded the 1st and 2nd contract), for at least 3 years of service, accumulate the amount on a special account. Transfers are made by the state. The size is always the same, which, depending on currency market fluctuations, is regularly indexed. After 3 years, the amount can be withdrawn and used for the down payment and other mortgage expenses.

social mortgage

Social mortgage is not aimed at a certain category of citizens. Its goal is to improve the living conditions of the population. The following may apply for the privilege:

This type of privilege can be used for partial repayment of interest, first installment, compensation for part of the debt, etc.

Young professionals

For young professionals, there are several preferential programs that allow you to take out a mortgage on favorable terms. As an object of this privilege, representatives of budgetary
specialties, namely, doctors, teachers and teachers.

As young specialists, only citizens who entered the work immediately after graduation from the university and worked in the specialty for no more than 3 years can be considered.

To enter the program, educators must have worked in the field for at least a year and be no older than 35 years of age. It is also important that the applicant has a need to improve living conditions.

Young Scientists Program

To support the science sector and attract young minds to it, at the state level the program "Young scientists" was developed. To participate in it, the applicant:

• must work in the scientific field (a list of institutions is provided);
• must be no older than 40 if he is a doctor and 35 if he is a scientist.

The conditions are as follows:

1. The first installment should be no more than 10%.
2. If the amount of the first installment paid is more than 40%, the rate will not exceed the ten percent threshold, if less - no more than 10.5% per annum.

An important feature of the privilege for scientists is the independence of the maximum borrowed amount from the income of the applicant. At the same time, the term is calculated in such a way that it is not difficult for the scientist to pay off debts.

Other government benefits

In addition to the benefits provided to various categories of citizens, the state has developed a number of parallel programs for Russians who need to improve their living conditions. To them relate:

• reduction of the tax base (provided for careful borrowers);
• maternity capital (provided to a family subject to the birth of a 2nd child and can only be used for certain purposes, including mortgages).

Mortgage benefits are provided not only by the state.

Corporate Mortgage Benefits

Stably developing companies that are interested in attracting and retaining good specialists in the workplace, in addition to decent salaries, offer their employees their own benefit programs. Their essence is that the company acts as a guarantor of the borrower and compensates for part of the cost of interest on the mortgage.

Good promotional offers can also be offered by banks that are interested in attracting wealthy customers.

Use of maternity capital

Maternity capital can be used to purchase an apartment or build a house. It can be used to pay off part of the debt to the bank, provided that we are talking about a mortgage loan.

Until recently, banks were willing to cooperate only if the borrower already had a mortgage. In 2020, the capital can also be used to pay off the down payment.

Important: maternity capital can be used in a mortgage only if the child's share in the apartment is allocated.

How to choose a bank?

The choice of a creditor bank is limited, as the state has narrowed the range of financial institutions participating in preferential programs. The restriction is related to the government condition, which states that only financial institutions that issue monthly mortgage loans in the amount of at least 30 million rubles can lend to citizens on preferential terms.

List of banks offering state-supported mortgages

As of 2020, the list of banks you can contact is small. This:

• Sberbank;
• Rosselkhozbank;
• Gazprombank and several other leading financial institutions of the country.

The bank should be chosen in accordance with the location of the purchased residential area.

How can I reduce the amount of mortgage lending in a bank by lowering the interest rate?

To understand the essence of incentives that allow you to lower the interest rate, consider a specific pin:

Suppose a citizen takes a loan for 2,000,000 rubles for a period of 20 years. The annual interest rate is 11%. The average monthly payments upon repayment of the debt will amount to approximately 20,934.03 rubles. If you reduce the interest rate by just 1% to 10%, the monthly payment will be 19,559.06 rubles. It turns out a win in the amount of 1 374.97 rubles. And that's just for one month. The annual winnings will be 16,499.64.

How to get a?

Before applying to a bank for a loan, you need to become a member of one of the programs offered by the state. To do this, you need to contact the local administration or AHML.

Only after receiving the certificate can you apply to a financial institution.

What documents will be needed?

The package of papers for obtaining a certificate must contain the following:

• passports of adult family members;
• documents proving the identity of children under the age of 14;
• certificate of income of working family members;
• house book (extract);
• marriage certificate (if we are talking about a complete family).

The bank will need to provide papers confirming:

• the age of the borrower;
• the cost of the purchased living space;
• income;
• citizenship;
• work experience.

When preparing to get a mortgage, consider the pitfalls of the process.

Underwater rocks

Preferential mortgage lending programs became necessary due to low incomes of the population and significant cost of housing. The main pitfalls of the programs are:

• the borrower has certain obligations to the country or enterprise;
• mortgage related costs.

Do not forget that even with a successful scenario, there is an overpayment. The discount and other privileges given by the state do not cover all additional expenses.

Conclusion

To receive mortgage benefits, you need to belong to a certain category of citizens or to socially unprotected groups in need of better living conditions.

Attention! Due to recent changes in legislation, the legal information in this article may be out of date!

Our lawyer can advise you free of charge - write a question in the form below:

What loan amount can I expect?

The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

How to increase the chances of obtaining a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income certificate and a copy of the work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan in the event of an insured event (disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

For example, to increase the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum amount of the initial contribution, we recommend that you focus on the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

Also, maternity capital funds can be used for early repayment of an existing loan.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration Istration (is an additional service and is paid separately);

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

No one lived in a new building before you, the price per square meter is less than that of an apartment of the same class in a secondary building, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents will not move in, most likely, they will have to wait for the development of infrastructure and the completion of repairs at the neighbors.

As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.

What is the processing time for a loan application?

Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

How is the process of obtaining a mortgage at Sberbank through DomClick?

Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach the necessary documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet picked up a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

Facebook

Twitter

In contact with

classmates

Google Plus