Affordable and interesting loan in Sberbank for housing

As of today, credit inSberbank for housing - one of the most interesting ways to get your own real estate. The most important thing for a borrower is that the mentioned bank has become more loyal and unbiased about its potential customers.

This alone is good news. Currently, there are 7 loan programs, 3 of which are basic, and 4 are special.

What makes it possible to purchase a loan inSberbank for housing? The list of options, it should be noted, is quite impressive. Citizens, using the funds of the lender, have the right to either buy the property they like (new or under construction), or independently start construction. In the second case it is allowed, for example, the construction of residential buildings, as well as garages.

On what conditions is the mortgage granted?Sberbank of Russia? It is clear that all seven existing programs are in some detail different from each other. Below are the criteria that can rightfully be attributed to the general (basic):

• The maximum period for which a loan can be issued is 30 years;
• Minimum amount - depends on the currency:in rubles - 45 million (or equivalent in US dollars or euros). As for the construction of country houses, the amount is much more modest. It is 300 thousand rubles or the equivalent in foreign currency;
• maximum amount - not regulated.However, its size can not be more than 85% of the value of the object (and the latter can be either contractual or estimated. In any case, a smaller one is chosen);
• pledge - acquired property or one that is already owned by the borrower. However, a Sberbank loan for housing may also be issued for other types of collateral.

Next you should talk about interest rates.The mechanism of their formation is not easy. A number of factors have a special importance on the amount of interest for which a loan is issued at Sberbank for housing. The main one is the size of the down payment. Here the dependence is inversely proportional: the higher it is, the lower the rate. Also important is the period during which the borrower intends to return the amount taken. The faster he does it, the less he will pay. Finally, the place of work of the client is important: for groups of some organizations, special loyalty programs are in place.

If you want to get a loan in SberbankRussia, it must meet a number of requirements. First, you need to be no younger than 21 years old, but no more than 75 years old by the day when you can happily say: “I owe nothing to anyone!” Secondly, registration of a loan of the type described is available only to citizens Russia. You can confirm this fact with your passport. The rest of the requirements are quite traditional. Take at least the same work experience. Or a good credit history. And we are talking not only about the nature of the relationship with this banking institution, but also with all the others. Pay attention to such a moment as attraction of guarantors to the planned transaction. Moreover, the spouse or spouse must act as a title co-borrower.