/ / Housing loan of Sberbank of Russia: several special programs

Housing loan of Sberbank of Russia: several special programs

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.

Sberbank housing loan

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.

Sberbank housing loan young family

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%.

mortgage loan Sberbank of Russia
Есть отсрочка по выплате основного долга, если a child was born. Deferral is granted for a period until your child reaches 3 years. Please note that this service is provided only for the main debt, interest payment should occur as usual.

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.