What documents are needed for a mortgage in Sberbank

The most cherished dream of the vast majority of young Russians is their own property. However, the realities of the modern market practically completely exclude the possibility of acquiring it for own money, and a large percentage of inflation is an opportunity to accumulate. That is why many young people are forced to turn to various financial institutions and make out loan programs. Today the most popular is the question of what documents are needed for mortgages in the Savings Bank. After all, this organization issues the most profitable programs and considers each application for a loan individually, considering many different factors.

Sberbank: documents for mortgage registration

To purchase real estate within the framework of mortgage lending, the borrower will need to prepare two different packages of documents: to apply to the banking organization and for direct purchase of housing.

So, documents for a mortgage in Sberbank:

• A certificate from the immediate employment place for at least six months in the form of 2-NDFL;
• A certified extract or a notarized copy of the employment record ;
• TIN and valid passport of a citizen of the Russian Federation;
• Application form for credit program;
• Documents confirming the identity of the guarantor or co-borrower;
• A copy of the savings account - it must accumulate an amount that is at least ten percent of the value of the acquired housing.

Sberbank, mortgage: documents for the apartment

Acquiring housing on credit, the borrower must provide the following documents to Sberbank:

• The results of appraisal work of the property being acquired;
• A cadastral passport and a detailed floor plan for the purchased housing;
• Notarized consent of the spouse for the acquisition of real estate;
• Documents certifying the identity of property owners;
• Notarized consent of the spouse or spouse of the owner for the sale of housing;
• An extract or copy of the house book ;
• The permission of the relevant authorities to sell the property;
• contract of sale.

What are the ways to get the most profitable program?

Having collected all the necessary documents for a mortgage in Sberbank, the borrower is recommended to familiarize himself with the programs of granting benefits. He must remember that the government of the Russian Federation is constantly developing assistance programs for various segments of the population. So, for example, today you can get a substantial amount of money under the maternity capital or military mortgage program, which involves not only the state making the most part of the initial payment for the purchased housing, but also providing monthly funds for servicing the mortgage program. Documents for mortgages in Sberbank also allow the borrower to count on the execution of the following subsidized government programs:

• Housing for young professionals;
• Military mortgage;
• Governor's program;
• maternal capital.

By completing any of the above subsidies, the borrower can also expect to receive the most lenient loan conditions.