Problems with housing in our country remainfrom the Soviet period. Today, everyone can buy an apartment or house at their own expense. But prices in the modern real estate market are too high, most people can not accumulate such funds in a short time. Here, perhaps, the most optimal option is to use the housing loan of Sberbank.

There are several programs for this loan product. Let's consider them in the tables below.
Loan product | An initial fee | Credit term | Annual rate in rubles,% | Annual rate in currency,% | a brief description of |
Housing construction | From 15% | maximum 30 years | From 12.5 | From 10.5 | Issued for the construction of a house or other housing (on the security of this housing) |
Purchase of finished housing | From 10% | maximum 30 years | From 12 | From 10 | For the purchase of housing, which will be a pledge |
Buying a house under construction | From 10% | maximum 30 years | From 12 | From 10 | Issued for investment in construction on the security of this housing |
Housing loan of Sberbank. Special programs:
Loan product | An initial fee | Term for the loan | Annual rate in rubles,% | Annual rate in currency,% | Brief description of the loan |
country estate | From 15% | Maximum 30 years | From 12 | From 10 | On the purchase of real estate outside the city (except for a dwelling house) |
Mortgage + maternity capital | From 10% | Maximum 30 years | From 12 | From 10 | The initial contribution can be made from the means of the parent capital, and hence the amount of the loan is increased |
Mortgage loans refinancing | 0% | Maximum 30 years | From 12.25 | Not issued | Issued for repayment of a mortgage received in another bank |
Military Mortgages | From 10% | 20 years maximum | 10,5 | Not issued | On the purchase of housing, which will act as a pledge |
Garage | From 10% | Maximum 30 years | From 12.5 | From 10.5 | For the construction or purchase of a garage under different collateral |
Annual interest depends on initialinstallment, total loan amount and maturity. The bank provides a pledge of acquired housing in the contract until the loan obligations of the borrower are fully fulfilled.
Who and where can be granted a mortgage loan from Sberbank of Russia?
You must be a citizen of the Russian Federation.You can get a mortgage at the Sberbank branch, which can be located at the borrower's permanent residence, at the location of the employer, the organization of the loan, or at the location of the housing under which the Sberbank housing loan is taken.

The loan application will be reviewed during the workingof the week. Repayment occurs in equal monthly installments. It is possible to make a large amount to repay the principal. This can be done on payment days that are set by the payment schedule.
There are special lending conditions forof young people is Sberbank's “Young Family” housing loan. For a family with one or more children, the down payment may be 10%, for a childless family - from 15%.

There is one more option if youusing a Sberbank housing loan. This is a tax deduction, its amount is 13% of the amount of interest paid. Moreover, the value of property tax deduction has increased. Previously, it was 1 million rubles, and now it is 2 million rubles, which means you have the opportunity to return more than 250 thousand rubles.