Mortgage for housing under construction (new building) in Sberbank: new apartment, house. Mortgage for housing under construction (new building) in Sberbank: new apartment, house Rate 7 4

Citizens who want to buy housing in a new building can take advantage of Sberbank’s advantageous offer and get a mortgage at a reduced interest rate. Loan payments are made in installments. The first payment is made after concluding an agreement for shared participation in construction. The second tranche is credited to the lender’s account within 24 months. after the first payment. The loan is repaid before the transfer deed is signed.

The minimum loan amount is 300 thousand rubles. The loan term can be up to thirty years (12 years if the rate is subsidized by the developer). The maximum loan amount should not exceed 85% of the value of the loaned real estate or other collateral. The minimum down payment cannot be less than 15% of the cost of the purchased apartment or residential building. If a participant in the credit program is not able to provide Sberbank employees with a work book and income certificate, then he will have to make a larger down payment (at least 50%).

The mortgage program requires the presence of guarantors or pledge of property rights. The minimum interest rate on a mortgage is 7.4% (relevant for a subsidized loan with a 7-year repayment period). The base loan rate is 9.5%. It can be reduced by 0.1% when using the electronic registration service.

If the borrower participates in a federal program aimed at developing the housing sector, then the base rate on the loan will be 9% per annum. Loans are provided to citizens of the Russian Federation who are over 21 years old. The loan repayment age limit is 75 years. It is allowed to have co-borrowers who bear subsidiary liability for the loan.

According to the terms of mortgage 7.4 at Sberbank, the borrower’s spouse automatically becomes a co-borrower, regardless of age and income level (if there is a marriage contract, the provision does not apply). The loan program participant must have at least 6 years of work experience at the current place of work. Loans are provided to citizens of the Russian Federation.

The loan amount must not exceed the limits established by the terms of the mortgage 7.4%. When determining the loan amount, the Sberbank credit committee takes into account the following points:

Basic income of a participant in the banking program (salary at the main place of work);
Additional income from business activities and private practice;
Special cash bonuses and incentive payments (relevant for clients in the civil service);
Amount of pension and other social benefits;
Sources of income permitted by current legislation (coupons on bonds, dividends on shares, income from civil transactions, etc.).

The presence of a down payment must be documented. To do this, you need to present the following documents to bank employees:

Statement of an account opened with Sberbank;
Payment documents confirming partial payment of the cost of the property;
A certificate confirming the citizen’s rights to receive budget subsidies;
A document confirming the value of the property being sold.

The maximum loan amount should not exceed the difference between the cost of the loaned object and the price of the collateral being sold. This clause is an essential condition of the 7.4 mortgage at Sberbank.

The mortgagor has the right to remove the encumbrance on the residential property after full repayment of the loan. This fact is confirmed by the cancellation of the mortgage registration record in the Unified State Register. After this, the former borrower will be able to obtain a certificate of ownership from Rosreestr.

Paperwork under the terms of the 7.4% mortgage is completed in three stages:

The client contacts the bank and writes an application to remove the encumbrance on residential real estate;
The financial institution provides the client with a mortgage note (if any) with a note indicating that the loan has been fully repaid;
The former borrower provides the mortgage to Rosreestr employees and removes the encumbrance from the apartment.

If the mortgage has not been issued, then the applicant and the Sberbank representative agree on a time for a joint visit to Rosreestr or the MFC. After this, the parties submit a joint application to remove the encumbrance.

Mortgage loan rates at Sberbank are traditionally among the lowest on the market. Mortgage terms of 7.4% allow you to save a significant amount.

Clients of third-party banks have the opportunity to use the following algorithm to re-register financial obligations:

Calculate the benefits of refinancing using a special calculator, which is available on the website domclick.ru (a Sberbank project) or on our website;
Collect all the necessary documents (application, passport, 2-NDFL certificate, work book, etc.);
Conduct a mortgage appraisal (this process usually takes 5 days). Carrying out appraisal procedures can be entrusted to specialists from the Sberbank Real Estate Center. In this case, the process of assessing and considering the application will take no more than 3 days;
Fill out an application for refinancing (its consideration takes 2-3 days);
Get a refinance loan and pay off your mortgage from a third-party bank. Take a certificate of no debt and take it to Sberbank employees;
Take the mortgage to Rosreestr and remove the encumbrance from the apartment or private house;
Conclude a mortgage agreement with Sberbank. Registration of a new transaction takes from 10 to 30 days.

It takes 2 months to re-register a mortgage. If the client does not have time to collect all the necessary papers, the deadline can be extended (the date for submitting documents is postponed only once). If the borrower took out a foreign currency mortgage, then when concluding an agreement with Sberbank, the loan amount will be recalculated at the current exchange rate of the Central Bank of the Russian Federation. It will also be increased by 10%. This is done to ensure that a client who has accepted the terms of the 7.4 mortgage from Sberbank does not lose money when repaying a loan from a third-party bank.

Sberbank mortgage 7.4-8%

Sberbank of Russia increased mortgage interest rates in 2019. The increase affected both loans for finished housing (see rates for secondary housing) and for new buildings.

Today you can get a mortgage loan for a new apartment at a rate of 8.5% per annum. But in order to receive the minimum percentage, a number of conditions must be met.

In this review, we will try to explain the details of applying for a mortgage at Sberbank for housing under construction, and also find out how to get the minimum rate.

Mortgage for the purchase of housing under construction: features

In 2019, Sberbank offers a whole line of mortgage programs. The main ones:

√ Purchase of finished housing (apartment, residential building or other residential premises on the secondary real estate market);
√ Purchase of housing under construction (apartment or other residential premises on the primary real estate market).

Both programs provide the opportunity

> use maternity capital funds for a down payment or part thereof (mortgage + maternity capital), and also

> get a loan with government support (for families with children).

We will dwell on them below, and begin our consideration of the conditions and interest rates of Sberbank mortgages for new buildings with a short review of promotions. With their help, you can reduce the interest a little.

Reduction in Sberbank mortgage rates for new buildings

Today, the bank has several promotions on mortgage loans that allow you to reduce your interest rate.

1. Discount for electronic registration. The bank has launched a special offer for mortgages on finished housing for clients who use the Electronic Registration service. The discount will be 0.1% per annum.

2. Discount from the developer. A reduction in the Sberbank mortgage rate to 2% applies to the purchase of housing from certain developers with a loan term of up to 12 years.

Sberbank mortgage for new buildings in 2019

This mortgage program is intended for the purchase of an apartment, residential building or other residential premises under construction on the primary real estate market.

Sberbank mortgage conditions for new buildings

> Minimum amount: from 300,000 rubles

> Max. the amount must not exceed the lesser of:

- 85% of the contractual value of the residential premises being financed;
- 85% of the estimated value of another property registered as collateral.

> Duration: up to 30 years / up to 12 years as part of the program for subsidizing rates by developers.

> Down payment: from 15% / from 50% for clients who have not provided proof of income and employment in the case when the purchased property was built with the participation of Bank loan funds.

Sberbank mortgage interest rates for new buildings

Valid for paying clients, or in the case when the purchased property was built with the participation of credit funds from Sberbank, taking into account the “Electronic Registration Service”:

Allowances:

+ 0.2% - with a down payment of 15% to 20% (not including the upper limit);
+ 1.0% - upon refusal of life and health insurance of the borrower in accordance with the requirements of the Bank;
+ 0.3% - for clients who do not receive salaries via card or deposit account with Sberbank;
+ 0.3% - for clients who have not provided proof of income and employment in the case when the purchased property was built with the participation of Bank loan funds, subject to an initial payment of 50%;
+ 0.1% - if you refuse the “Electronic Registration Service”.

How to get a mortgage for new buildings at Sberbank

In short, we can say this. To get a mortgage for a primary home from Sberbank, the client needs to collect the necessary package of documents and contact the bank:

- at the place of registration of the borrower or one of the co-borrowers;
- at the location of the loaned property.

Sberbank promises to consider the loan application within 2 - 8 business days from the date of submission of the full package of documents. The money can be received in one lump sum or in installments.

But if you are a modern person and save your time, then some of the actions can be done via the Internet.

How to apply and receive a decision

First . In order not to make unnecessary moves, find out in advance whether you meet the requirements that Sberbank imposes on borrowers.

Requirements for borrowers

Age. Today, citizens of the Russian Federation aged at least 21 years can apply for a primary mortgage at Sberbank. It is also important that you are no more than 75 years old at the time of repayment of the loan.

Experience. An experience of at least 6 months at the current place of work and at least 1 year of total experience over the last 5 years is also required (does not apply to salary clients of Sberbank).

No more than 3 individuals can act as co-borrowers on the loan, whose income is taken into account when calculating the maximum loan size.

Second. If you meet these requirements, then it makes sense to move on. To obtain a loan, you will have to collect a whole package of documents.

Documents for obtaining a mortgage

To consider a loan application for a mortgage loan for finished housing, you must provide the bank with the following package of documents.

> borrower/co-borrower application form;
> passport of the borrower/co-borrower with a registration mark;
> a document confirming registration at the place of stay (if temporary registration is available);
> documents confirming the financial condition and employment of the borrower/co-borrower (See the full list in pdf format).

Documents that can be provided after approval of the loan application:

- documents on the residential premises being financed (can be provided within 90 calendar days from the date of the Bank’s decision to issue a loan);
- documents confirming the presence of a down payment.

Third . Let's say you think that you can provide all these documents to the bank. Check your financial capabilities. Calculate your loan using a mortgage calculator.

Mortgage calculator

Fourth. Submit your mortgage loan application online. You can do this on the DomClick website from Sberbank. There you can register in your personal account, consult with a specialist via chat, and even get mortgage approval directly on the website.

Fifth. Choose an apartment in a new building. The list of accredited new buildings is on the DomClick website.

Sixth. Complete the deal. If possible, it is better to do this using the “Electronic Registration Service” from Sberbank. You can sign a loan agreement and send documents for registration this way even without visiting Rosreestr or the MFC.

Seventh. Deposit money through the “Safe Payment Service” from Sberbank. This is a convenient way of non-cash payment for real estate between the buyer and seller without additional visits to the bank.

Since August 10, 2017, Sberbank has reduced lending rates to record lows. Thus, under certain conditions in 2018, you can get a mortgage at 7 percent per annum if you purchase an apartment in a new building from an accredited developer.

Conditions for preferential mortgages at Sberbank

You can only get a mortgage at such a low rate from certain developers accredited by Sberbank. You can view the list of available objects at the link domclick.ru/?region. You need:

select the appropriate region (the default is Moscow);
type of housing - new building;
indicate the desired delivery date.

The system will automatically sort properties participating in the program to reduce mortgage rates to 7 percent. You can choose the ones that suit you and contact the developer to clarify the addresses and prices of apartments and apartments.

The key conditions for a preferential mortgage at Sberbank are as follows:

Duration of validity of the approved application is 90 days;
making payments through letters of credit;
the ability to split the loan into two parts to reduce the monthly payment;
currency - rubles only;
amount – from 300 thousand rubles, the maximum loan size is nominally unlimited;
first payment – 15% (50% if a mortgage is issued using two documents);
term - up to 7 years, if you need to get a mortgage at 7.4 percent, up to 30 years - with a mortgage from 9.4%.

Under the terms of the program, the purchased apartment is subject to collateral and insurance will be required for it.

The client can attract up to 3 co-borrowers, their income will be taken into account when calculating the maximum loan amount. The spouse of the recipient of a preferential mortgage is necessarily a co-borrower, even if he does not have a regular income.

There is no commission or additional fees for obtaining a mortgage from Sberbank at 7 percent per annum, however, when using safe deposit boxes or a letter of credit, you will have to pay for storing funds.

Under the program, you cannot buy an apartment on the secondary market or from an unaccredited developer; the terms of the preferential mortgage do not apply to townhouses and private houses.

The application is reviewed within 5 working days.

How to get the lowest rate in 2018

To take out a mortgage at 7 percent per annum, the borrower must meet certain requirements. Thus, the standard flat mortgage rate for any buyers is 9.5% per annum.

How to reduce to 7.4% per annum

You can reduce it to the coveted 7.4 percent:

by 2% – when purchasing housing in a new building from accredited developers registered on the Domklik website;
by 0.1% – when registering a transaction online by Sberbank employees.

The following surcharges apply:

0.5% – for borrowers who are not payroll clients of the bank;
1% – if the borrower refuses to take out life insurance.

Documents for rate reduction

It is impossible to get a mortgage at 7 percent in 2018 without providing income certificates. When applying for a mortgage using two documents (passport and anything else), the following rates apply:

8.5% – when paying more than 50% of the down payment and when purchasing an apartment from an accredited developer;
8.4% – similar, but when registering a transaction online.

If you purchase an apartment on credit on the secondary market or on the primary market from a developer not accredited by Sberbank, then if you make more than 50 percent of the down payment and without providing proof of income, you can count on a rate of 10.4-10.5% per annum.

A mortgage at 7.4 percent per annum can only be obtained by salary clients who buy a new building from an accredited developer, have taken out insurance and entrusted the registration of the transaction to an electronic service.

Getting a mortgage at 7%

Borrowers who meet the basic requirements of Sberbank can get a mortgage with a rate of 7 percent:

age from 21 years;
maximum age – 75 years at the time of repayment of the mortgage;
experience – at least six months.

Who can apply

Documents you will need:

application and questionnaire;
passport;
optionally - any other identification document (for example, driver’s license, military ID, SNILS);
an extract from the work record book or a copy of the employment contract;
a certificate confirming regular income (not needed for salary clients);
when providing collateral - documents evidencing the borrower’s right to the property.

After approval of an application for a mortgage with Sberbank at 7.4 percent, the future home owner must provide within 90 days:

documents for the selected apartment, including an agreement with the developer (most of the papers are provided by the developer, the assessment can be ordered on DomClick);
evidence of the client’s availability of funds for the down payment – account statement, savings book, maternity capital certificate, etc.

To simultaneously participate in the Mortgage at 7 percent per annum and Young Family programs, you will additionally need to provide:

certificates of the borrower's marital status;
documents confirming the fact of the birth of the baby;
certificates about the financial situation of the family.

Receiving algorithm

In order to get a mortgage at 7 percent per annum, you must

find a suitable investment object on the website of the official representative of Sberbank Domclick at domclick.ru/?region;
contact the developer, clarify the cost of the apartment and obtain from him all the documents necessary for the bank;
calculate the loan on the page ipoteka.domclick.ru, indicating the full price of housing and the amount of the down payment, as well as selecting additional options that affect the reduction in the cost of the loan;
create a personal account on the Domklik website, upload the necessary documents into it and submit an application to receive a mortgage from Sberbank at 7 percent for the purchase of the selected apartment, indicating the branch where it is most convenient to draw up an agreement;
expect your application to be reviewed within 5 working days;
drive to the selected bank office to agree on all conditions and sign the loan agreement and other documents.

There is a DomClick mobile application through which you can submit applications and track their status.

You can get additional services on the service website. For example, order an express examination of an apartment, a real estate appraisal, and create conditions for secure non-cash payments with the seller.

To save on a mortgage at 7 percent per annum in 2018, you can purchase an electronic policy in advance at sberbank-insurance.ru/products/sberbank-debtor-insurance; it will cost less than if issued at a branch.

Additional features

Maternity capital funds can be used to partially pay the mortgage or pay off the down payment. In addition to the certificate itself, the bank will need an extract from the Pension Fund, which indicates exactly how much money is left in the account of the owner of the capital.

Mortgage plus maternity capital

To obtain a mortgage from Sberbank at 7 percent per annum using maternity capital, you must participate in the Mortgage plus maternity capital program. The presence of a certificate does not affect the likelihood of loan approval or disapproval.

Electronic transaction registration

Other opportunities provided by Sberbank include electronic registration of a transaction. It is performed by a bank employee using the Domklik service. The service includes:

payment of necessary state fees;
issuing an electronic signature for all parties;
support of the entire transaction by a bank employee, including drawing up an agreement;
sending documents to Rosreestr and monitoring the transaction registration process.

As a result, the client will receive the necessary documents by email: an extract from Rosreestr indicating the transfer of ownership, a real estate purchase and sale agreement.

The cost of the service is from 5550 rubles. Ordering electronic registration affects the reduction in the cost of a Sberbank mortgage of 7 percent in 2018 by 0.1 percentage point.

Receiving a tax deduction

Another additional option when applying for a mortgage is receiving a tax deduction:

property - in the amount of 13% of the cost of the purchased housing (maximum amount - 260 thousand rubles, it can be received only after registration of ownership of the apartment, i.e. after delivery of the property);
for the amount of mortgage interest - maximum 13% of 2 million rubles

The last type of deduction can be received before registering ownership of the property, which is important when purchasing a new building. The resulting deductions can be used at your discretion, including for partial early repayment of the loan.

Conclusion

Thus, only certain categories of Sberbank clients can get a mortgage at 7 percent per annum: those who receive their salary on a bank card and those who have taken out a life insurance policy. In addition, the promotion only applies to housing built by accredited developers. To apply for participation in the preferential program, you must go to the DomKlik.ru website. To reduce the rate, it is necessary to apply electronic registration of the transaction by Sberbank specialists. The client can take advantage of additional mortgage lending opportunities: use maternity capital for settlements with the bank, and also receive a tax deduction on interest paid.

Today, Sberbank is a leader in mortgage offers. By launching a program to reduce rates on special terms, the bank opened up many opportunities for clients. A 7.4% mortgage from Sberbank is the best offer.

Mortgage conditions at 7.4% in Sberbank

Despite the obvious benefits of such an offer, the 7.4 percent mortgage from Sberbank has its own conditions that must be met in order to receive a loan at a special rate. Before you rush to take advantage of this promotion, you should carefully study all the conditions, requirements, advantages and disadvantages.

How to get a low rate

It is possible to obtain the lowest interest rate of 7.4 on a mortgage from Sberbank by fulfilling a certain number of requirements. The main condition is that only a person who wants to purchase housing in a new building can take advantage of such an offer.

The offer is valid when purchasing a new building from a developer who is a partner of Sberbank. And the mortgage term should not exceed 7 years.

In order to find out in detail where to actually buy an apartment, you need to clarify which developer is engaged in construction. Then find out if there are any other objects in this new building that can actually be obtained with a Sberbank mortgage at a rate of 7.4 percent.

Change in mortgage interest

As mentioned above, Sberbank offers a reduced mortgage rate of 7.4 percent for new buildings.

However, this percentage is subject to change under the following conditions:

If the borrower's life is not insured as required by the bank, the prime rate is increased by 1 percent.
Anyone who wants to get a mortgage with a rate of 7.4 percent from Sberbank must be a participant in the salary project. Otherwise, the increase occurs by half a percent.
The rate remains the same if the electronic registration service is taken into account; without taking into account it is 7.5%.
If a mortgage for a new building is issued for a period of 7 to 12 years, the rate rises to 7.9-8%. The base rate without meeting all the requirements is 9.4%.

Obtaining a mortgage at 7.4% in a new building

A person can take out a mortgage for a new building at Sberbank at 7.4 percent if they meet the conditions, and also provide the bank with all the necessary documentation.

Requirements for the borrower

A resident of Russia who has citizenship can get a mortgage at 7.4%. An important point is age - a mortgage can be issued only from 21 years of age. We also note that the loan repayment period should not exceed the working age of the person wishing to take out the loan. Co-borrowers (if any) also fall under this criterion.

If the income is confirmed and the place of work is also confirmed, the mortgage repayment period may increase until the borrower reaches 75 years of age. If these conditions are not met, the period will be up to the 65th birthday.

It is also necessary to work officially in one place for more than six months, while participating in the Sberbank salary project. If the borrower is not a bank client, more than a year of experience is required.

Required documents

The package of documents that must be prepared to obtain a mortgage with 7.4 percent from Sberbank is quite extensive.

Since mortgage loans are taken out by low-income families, a loan rate of even 10% is too high for them. This indicator is directly related to the level of inflation: in the USA and the Eurozone it fluctuates between 2 and 3 percent, and the lending rate does not exceed 4.

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In Russia, inflation is twice as high, which is why lending rates are higher. Borrowers are looking for the opportunity to get a mortgage at 5-7% per annum, but there are very few banks capable of providing loans at such rates: Sberbank and VTB 24. But even here they can get a mortgage at 7% per annum, possibly under two conditions: the down payment is 90% the cost of the purchased property, the loan term is 3-4 years. If the down payment is half the cost of housing, the loan will be provided at 7.5-8%.

Another opportunity to get a mortgage at 7% per annum is to provide not only documents about your financial reliability and creditworthiness, but also about additional income - interest on deposits, rent, dividends, rental payments, and so on. It is possible to attract co-borrowers who must also prove their financial well-being.

The Bank of Moscow announced a new feature in mortgage lending: loan rates are offered below 5 percent. But the loan is issued in rare currencies - Swiss and Japanese. Given that the loan amount includes the bank margin, commission (for providing the loan) and risk fee (for a loan term of more than 7 years), the bank is able to provide a mortgage at 7% per annum. But the conditions are quite strict: the loan period is limited to 3-7 years and only for the purchase of finished housing. A longer-term (10-25 years) loan - at least 8% interest rate, for housing under construction - no less than 9% per annum. The borrower will also have to pay income tax on the amount saved due to the low interest rate.