Was the page helpful to you? Loan secured by real estate in a home loan bank Home loan secured by an apartment

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.

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.

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.

Before obtaining a loan, the client must confirm his solvency with documents. If the income of a citizen, according to the bank, is insufficient for the timely payment of the debt, the loan will be denied. Security can help in this situation - a pledge of valuable property, a guarantee. One of the common forms is the encumbrance of real estate.

On the page of the financial portal Vyberu.ru, the programs of 182 banks in Yakhroma for 2019 are published, which offer to urgently take a consumer cash loan with additional collateral. Find the loan option with the best terms. Today you can choose from 861 products. There are offers with a rate of 8.0 percent per annum in the amount of 360,000,000 rubles.

Real estate requirements

Various real estate can be used as collateral: a separate apartment or room, a cottage, a summer cottage and other options. Each option must be discussed separately with a representative of the financial institution where you plan to receive money.

Note! The maximum amount of a cash loan, as a rule, does not exceed 60-70% of the market value of the encumbered object.

The valuation may be carried out by the financial institution itself or by an independent company. This issue should also be agreed with the manager if the application is approved.

A liquid property is an object that can be quickly sold at a price close to the market value. To qualify for a loan, the property must meet the following basic requirements:

• be located on the territory of the Russian Federation;
• have reinforced concrete floors, meet sanitary and hygienic standards, not be in an emergency condition;
• be connected to the heating system, water supply, power supply, gas supply;
• have a foundation of brick, reinforced concrete, stone;
• not be registered for demolition or overhaul,
• have a roof, doors, windows in good condition;
• not be pledged to another financial company.

In addition, the property must be located in a region where there is a branch of the financial institution you are applying to.

How to get a loan

If you have chosen the best real estate loan, apply online. Fill out the form on the website of the financial institution and wait for the manager's response. If the online application is approved, agree on a set of documents that you need to take with you, the date of the visit to the office.

In order to obtain a substantial loan amount, banks often require the provision of collateral.

Thus, the financial institution receives a guarantee of repayment of the loan with accrued interest in the event that the borrower fails to fulfill its obligations.

Does Home Credit Bank provide a loan secured by real estate?

At the moment, HCF Bank offers to issue a cash loan on favorable terms for customers.

If you have previously been served by a financial institution, the rate will start at 12.5% ​​per annum. If you applied for a banking product for the first time, the interest rate will be from 14.9% per annum.

Home Credit Bank does not require a loan secured by real estate. The client does not need to look for guarantors, collect a voluminous package of documents for filing an application and provide collateral to obtain a loan of the desired size.

The table below lists the main terms of the loan.

How to quickly get a loan without guarantors and collateral?

The bank guarantees affordable interest rates, prompt decision-making upon request, the ability to choose the date of making a monthly loan installment, no commission for issuing borrowed funds and many ways to repay the debt.

You can apply to the bank:

• at the nearest bank office;
• by filling out an online application on the official website.

To approve a loan, the client needs to provide his passport to the bank branch. If necessary, it is possible to additionally attach SNILS to the application. This will increase your chances of getting approved for the loan.

As a rule, these documents are sufficient to obtain a loan. In some cases, other papers may be required, for example, if the applicant is an elderly person without official employment.

In such a situation, it is necessary to hand over to the manager a pension certificate and a corresponding certificate certifying the appointment of pension payments.

All loan information is available on the bank's website. At the same time, you can get detailed advice on the banking product of interest in the office, online chat or call center.

Requirements for potential borrowers

The loan program is available to all Russian citizens aged 22 to 70. At the time of closing the loan, the borrower must not be older than 71 years.

At the same time, the client is also required to have a permanent residence permit in the country, official employment or a regular source of income, as well as a good credit history.

In the case of employment, the applicant's experience must be more than three months at the last place of work. If the client is a non-working retiree, the client must have received a pension for at least three months in order to be approved for a loan.

Ways to get a loan

The disbursement of loans is carried out in the following ways:

• by transfer to the client's account with HCF Bank or another financial institution;
• cash transfer through a bank teller.

The client independently decides which option is suitable in his case.

Or getting a hefty loan of money is nothing more than a loan secured by real estate.

Most often, this financial product is called a mortgage. What is the most important thing in this sentence? Many will answer that the annual rate: the lower it is, the more profitable the loan will be. But sometimes the minimum interest rate is due to strict and stringent requirements from the bank to the borrower, which are almost impossible for most people to fulfill.

Lending from Home Credit Bank with the provision is different from similar products competitors with more favorable conditions and loyal, soft requirements. The lender allows almost everyone to use their programs if the collateral object meets all mandatory requirements.

What to look for when choosing the best loan offer

1. If you decide to borrow the maximum possible amount from a bank, be prepared for the fact that the lender may require additional guarantees in the form of guarantors or co-borrowers. A large amount pushes the bank to high risks, so he wants to play it safe once again in your creditworthiness. Don't forget about insurance costs, collateral valuation and other registration income so that you can pay for it when you need it. This amount can then be included in loan amount and get your money back.
2. There are programs that do not require a down payment, but the borrower may not always meet the requirements for such an offer and not all banks practice this approach. Even before applying, you should have on hand from 10 to 30% of the desired amount, and the more money you deposit at once, the more profitable the mortgage will be for you. Home Credit Bank adheres to such views, therefore, with a sufficient initial contribution, the client can count on a lower rate and, as a result, on a reduced monthly payment.
3. Determine the best repayment period for you. You can get confused by thinking that a longer repayment period means lower interest rates. In fact, for 5-7 years, the overpayment on the loan will be much less than the one that will have to be paid for 20-25 years. For the right choice, you need to find the "golden mean" of the monthly payment, it should not greatly burden your budget, but also not force you to pay the bank for many decades. The most convenient way to calculate this is on an online calculator, you can find it on the official resource of the bank.
4. Pay attention to your circumstances. Perhaps you are a soldier or a young teacher, then you can easily take advantage of the preferential terms of the bank with the support of the state. You can also count on low rates or similar concessions for those who have already applied to Home Credit Bank more than once and have perfectly coped with their obligations or are a payroll client of the lender. To find out about your possibilities, it is enough to talk with a credit manager, in this case you can always count on a discount and save your own money.