How to properly apply for a mortgage at Sberbank online? Documents and registration

Pros and cons of a mortgage at Sberbank

Obtaining a mortgage from Sberbank has both positive and negative sides:

As an alternative to Sber, you can consider the following options:

Sberbank mortgage programs

To submit an application online, a person will be provided with the following loan products, differing in rate and interest:

• A promotion for large families, which is valid from 2021. Suitable for citizens with several kids. The interest is 6% per annum up to 30 years. The family must make a down payment of 15%. This type of loan is provided with comprehensive insurance. Maternity capital is suitable as a down payment.
• Program for housing in a new building. The interest rate is 6.7% per annum, and the money from the loan is spent on purchasing housing in a new building or in a country house under construction. If the property was purchased from a specific developer who participates in the subsidy, the interest rate will be lower. When registering financial relations electronically, the client saves a large amount.
• A finished apartment is purchased at a minimum interest rate of 8.6% for an amount of 300 thousand rubles. The first payment on the loan must be at least a fifth. The maximum loan term is 30 years. A mortgage under this program makes it possible to purchase an apartment, residential building or other secondary market property.
• Mortgage in the presence of maternity capital. The minimum interest is 8.9% per annum. Only citizens with a certificate can take part. The money is used for a down payment or to repay an existing loan. This type of loan is provided for 30 years, and the amount is from 300 thousand. It takes several months, as approval from the Pension Fund is required.
• A loan for the purchase of a residential building is carried out at a rate of 10% per annum and a minimum amount of 300 thousand. The first payment should be a quarter of the total amount.
• Country housing involves the construction or purchase of a ready-made house. The interest is 9.5% per annum, otherwise the conditions are the same.
• Obtaining a military mortgage is available to military personnel who have been receiving government payments for 3 years. This category of citizens pays 9.5% per year in the amount of up to 2.4 million rubles and for a period of up to 20 years.
• Mortgage refinancing is possible at a rate of 9.5% per annum. A loan is provided for a period of up to 30 years in the amount of 300 thousand rubles.

The bank does not prevent the client from being able to pay his debt or first loan with money from maternity capital.

Stages of obtaining a mortgage at Sberbank

Step-by-step process for obtaining a mortgage at Sberbank:

1. Study the conditions for obtaining a mortgage from Sberbank, calculate the loan and decide on the size of the down payment. Be sure to also read about how you can get a mortgage without a down payment.
2. Submit an application form, which can be downloaded on the official Sber website or taken at any branch.
3. Wait for a response from the bank.
4. If approval is received, select housing and coordinate it with the lender. To evaluate the selected property, they resort to the services of their specialist or a company from the list offered by Sberbank.
5. Collect the necessary documents and provide them to the lender.
6. Decide with the insurance company to conclude an agreement.

You can apply for a mortgage at a Sberbank branch or send an online application.

After this, the client, together with the credit manager, begins to apply for a mortgage for the apartment at Sberbank. The applicant proceeds as follows:

1. Signs contracts: mortgage, purchase/sale, insurance.
2. Registers the transaction in Rossreestr and formalizes ownership of residential real estate.
3. Settles with all parties to the transaction: bank, seller, insurance company, notary, government agencies.

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

The procedure for obtaining a mortgage is regulated at the legislative level (Federal Law No. 102-FZ dated July 16, 1998).

What loans can be obtained through Sberbank Online?

Each Sberbank client is provided with a connection to a personal Internet banking account.
In order to apply for a mortgage at Sberbank Online, you need to go through a verification procedure. You can do this yourself - at an ATM or ask for help from a Sberbank operator. The procedure is free and takes minimal time. Attention!

Users of the Sberbank Online system will be able to fill out an application via the Internet only for a consumer loan.
Moreover, the user must have a salary card in the same bank and indicate the purpose for receiving funds. To fill out and submit your application for a mortgage, you can use the online service or personally contact the office of a financial company.
The online application must be filled out only on the bank’s official website. You can make preliminary calculations for a future loan yourself using an online calculator. A ready-made template is also provided for submitting an application. All you have to do is choose a suitable apartment (can be from the primary or secondary market) and complete the transaction by signing the contract.

Deadlines for considering a mortgage application

The time spent at Sberbank to review a mortgage application ranges from 5 to 8 days. This does not include weekends and holidays. During this period, bank employees check the authenticity of the applicant’s documents, his solvency and credit history. The bank issues the decision in advance.

The deadline for considering a mortgage application at Sberbank may be extended for a number of reasons (for example, a potential borrower has provided inaccurate information). You can find out the status of your application in your “Personal Account” of the Sberbank-Online service by opening the “Loans” section.

The received mortgage approval from Sberbank is valid for up to 90 days. During this time, you need to have time to complete all the necessary steps to apply for a housing loan.

Reasons for the long processing of an application

The period for reviewing a mortgage application may be extended for several reasons:

• the client provided incomplete information about himself;
• there are errors in the documents;
• bad credit history;
• bank specialists conduct a second inspection due to doubts regarding the existing facts;
• technical problems in the system;
• outstanding loan debts were identified;
• the potential borrower requests too large an amount for the maximum installment term of the mortgage from Sberbank.

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

The mortgage consultant has the right to refuse without explaining anything. But usually the person is explained the reasons for the rejection of the application and given the opportunity to correct the shortcomings.

How to speed up the review process

Typically, a mortgage application is processed within 5 days. There is no way to directly influence employees. The only thing you can do is to insure yourself in advance.

Indirect ways to speed up the procedure for the borrower:

1. Check your CI in advance through BKI. Then there will be an opportunity to correct it if necessary.
2. Close existing loans so that the credit burden is leveled.
3. Avoid making mistakes when filling out the form. Provide only reliable information about yourself, do not inflate your income level in order to get a larger loan.
4. Attach high-quality photocopies of documents to your application.

An application submitted online through your “Personal Account” will be considered faster. In addition, remote application saves time, since the borrower does not need to go to the branch and stand in line. It is enough to send scanned documents and attach them to the application form.

Then the mortgage approval period is reduced to 2 business days.

Reasons for refusal

Sberbank does not issue mortgage loans to every person. As a rule, bank employees do not inform their clients about the reasons for the refusal, but there are several main factors:

• bad credit history or no credit history;
• presence of outstanding loans and arrears;
• low income;
• problems with law.

In other words, the reason for refusal is individual for each person and only the potential borrower can guess why he was not approved for a loan.

How a mortgage transaction is carried out specifically at Sberbank

The mortgage transaction at Sberbank is carried out in the personal presence of the borrower, even if the application is submitted remotely.

To obtain a mortgage for an apartment at Sberbank, you will need to go through several steps:

• choose a program;
• collect the necessary documents;
• select an object to purchase;
• submit an application;
• wait for a decision from the bank.

Step 1: selecting a mortgage program

First of all, the client chooses a mortgage program. Focuses on the interest rate, loan term and amount requested.

When applying for a mortgage at Sberbank, certain categories of clients are provided with special lending conditions.

Beneficiaries are considered to be participants in the following programs:

1. “Military mortgage” - in this case, military personnel are subsidized by the state (it transfers money to a personal account to accumulate a down payment, and after the loan is issued, it repays the debt).
2. “Young family” – allows spouses under the age of 35 to receive a loan at a lower interest rate per annum.
3. “With maternity capital” - makes it possible to use maternity capital as an initial contribution or repayment of principal or interest (the program is available to families who had a second and subsequent child after 2007).

Clients who receive wages on a Sberbank card are offered a lower interest rate (the rate is reduced by 0.5%) when applying for a mortgage.

At the initial stage of registration, it is important to pay attention to the following points:

• the amount of bank commission charged for opening and maintaining a bank account;
• insurance cost;
• the cost of preparing a real estate appraisal report;
• the presence and amount of penalties for late payment.

Step 2: collecting documents for a mortgage

To approve a mortgage, you will need the following documents:

• passports from the borrower and co-borrower;
• any additional identification document (SNILS, insurance policy, military personnel, international passport);
• photocopy of the work book;
• certificate 2-NDFL or in a form approved by the bank (for the previous 6 months);
• marriage and birth certificates.

The application package may vary depending on the program in which the borrower is participating.

During the procedure for applying for a mortgage loan, when a positive decision is received on the application form, you will need to provide additional documents for the property being purchased (the list is checked with a mortgage broker or at a bank branch). In addition, to obtain a mortgage from Sberbank, the borrower must draw up and submit an application.

Step 3: choosing a property

If you intend to buy an apartment that is still under construction, it is recommended to choose real estate properties accredited by Sberbank. This will simplify the transaction and minimize the risk of encountering scammers. The money is transferred to the developer's account

You can select a property on the DomClick website in the Buy section. Basic search parameters are entered into the lines at the top (see screenshot), and the program automatically selects suitable options.

When choosing a property on the secondary housing market, take into account the requirements of the lender.

Having chosen a property, they order an assessment of its value from a company on the list of those accredited by Sberbank. Open the “DomClick” section on the “DomClick” website.

To search for real estate, enter the name of the city in the blank line.

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

The broker uploads the appraiser's report and other documents for the apartment being purchased on the DomClick portal for verification.

Step 4: Submitting an application and reviewing it

Having decided on a lending program, you can start submitting a mortgage application on your own or with a loan specialist. In the first case, the client comes to the bank branch with a standard package of documents, in the second, he fills out a form in the DomClick service.

Now all that remains is to wait for the mortgage to be approved by Sberbank. After a maximum of 5 days, the credit manager will inform you by phone of the bank’s decision and announce the disbursement limit, interest rate and payment schedule.

Submitting an application for a mortgage at Sberbank takes from 10 to 30 minutes, depending on the chosen method.

Submitting an application online

Clients connected to Sberbank Online can apply for a mortgage through the Personal Account. To do this, open the “Loans” menu item, then “Mortgage”.

The system immediately redirects to the DomClick platform.

How to fill out and submit an application remotely:

1. Go to the official resource “DomClick” → “Mortgage”, select the “Personal selection of mortgage” tab in the menu that opens.

   

2. Using a special service, they select a loan program for themselves.

   

3. Then go to the “Loan calculator” section and enter the basic data for submitting an application (loan program, amount, installment period, down payment amount).
4. Click on the “Submit Application” button. The system will request a cellular client number for registration.

   

5. Then fill out the form, indicating reliable data. If possible, it is advisable to involve a co-borrower - this will increase the chance of receiving approval.

   

6. Attach scans of the required documents.
7. The application is sent to the bank for consideration.

Required data and documents

To make the procedure for obtaining a loan faster after completing the application, the following data is collected in advance:

• Personal information about the applicant in the form of initials with a transcript, passport details and contact details.
• Data regarding the presence of other family members, education.
• Contact information: work number, mobile, email.
• Can a person be considered creditworthy? To determine this indication, you should write down the name of the company where the applicant works, average earnings and answer questions about the distribution of your budget.
• Information about available loans and credit cards from other banks.

Information about a person must be entered without errors so that the bank does not refuse.

It will not be possible to deceive the system, since the fields have an automatic check of possible entries. If those filling out make mistakes in the number of numbers or words entered, the system will underline these fields in red.

Look at the same topic: Mortgage at Transcapitalbank - types and conditions of bank mortgage loans for today

Registration of collateral for a mortgage

After receiving consent from the bank on the application and selecting a residential property, it is necessary to draw up a document for the mortgage collateral - an agreement. It is drawn up in writing and does not require notarization (Clause 1, Article 10 of the Law “On Mortgage (Pledge of Real Estate)” dated July 16, 1998 No. 102-FZ). In this way, the lender is insured against non-repayment of the debt by the borrower. If the latter fails to fulfill its obligations, the bank has the right to receive satisfaction through the sale of the mortgaged property. (Article 334 of the Civil Code of the Russian Federation).

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

The borrower will be able to obtain full ownership of the purchased apartment (house) only after the encumbrance is removed, when the mortgage debt is fully repaid and the corresponding registration entry in the Unified State Register is removed.

The mortgage agreement is available for download at the following link:

Mortgage calculator

Using the loan calculator on the official website of Sberbank of Russia, you can calculate your future mortgage payment.

Go to the website and select the type of mortgage. On the page that opens, indicate the purpose of the loan, for example, “purchase of a secondary apartment,” the price, for example, 5 million rubles, and mark the date in the electronic calendar field. We will choose 10 years.

The program will generate a rate according to the stated conditions - 9.4%, and calculate the amount of the down payment - 750 thousand rubles. (15%), the total payment amount is 4.2 million rubles. and monthly payment – ​​54,762 rubles.

Carrying out a purchase and sale transaction

After Sberbank approves the client’s mortgage and pledge, a date is set for the transaction. Procedure:

1. Both parties sign the mortgage agreement.
2. They sign a preliminary contract for the purchase and sale of real estate - first preliminary, then main (the content of both is essentially identical, only the first indicates the intentions of the parties to conclude a transaction and the timing of its completion).
3. The borrower makes a down payment as an advance.
4. Through the MFC, all documents are sent to Rossreestr for registration of property rights.

The bank transfers the balance of the amount to the seller of the property after the transfer of ownership.

detailed instructions

First, you need to create a Personal Account on the Domklik website. This will help you not only conveniently track the status of your application, but will also allow you to carry out some manipulations, in particular, to conduct an electronic real estate purchase and sale transaction.

After that, you look through the available offers for the sale of real estate, the housing you need can be found according to certain parameters - city of location, district, wall material, number of floors, etc. You can choose several options and view them live to understand whether this apartment/house is right for you or not.

You might also be interested in these articles:

Property rights after mortgage registration

The procedure for registering ownership of purchased real estate takes place at the MFC. Both parties (buyer and seller) must come there with all documents, including a receipt for payment of the state duty.

You can register a transaction online through the DomClick service. Send documents to Rosreestr electronically. After registration is completed, papers with the appropriate mark are sent by e-mail. The cost of such a service is from 7900 to 10900 rubles.

For the period while the borrower pays off the mortgage, the apartment is pledged to the bank. The owner will not be able to sell or donate it without obtaining consent from the lender, but he has the right to register someone on the mortgaged living space and make repairs.

Mortgage FAQs

How to remove the encumbrance from an apartment after paying off the mortgage

An encumbrance is a restriction that is placed on a home during the process of signing a mortgage. For example, you will not be able to sell housing as collateral, make another person the owner of the property, etc.

To remove the encumbrance after paying off the mortgage, you must do the following:

• Write an application at a Sberbank branch.
• Prepare the required papers: passport, mortgage, mortgage agreement, property documents, receipt of payment of state duty.
• Visit the Registration Chamber or MFC with a package of the listed papers.
• Receive an extract from the Unified State Register of Real Estate, with no mark on the encumbrance.

What are the risks of being late on a mortgage at Sberbank?

Sberbank takes into account all days of delay, so the borrower faces a fine in the form of a penalty, the amount of which is 20% per annum of the amount of the debt.

Delay of more than one month is grounds for entering data into the credit history bureau. Further ignoring the debt leads to the bank transferring information to a collection agency or going to court.

Is it possible to sell an apartment with a mortgage?

An apartment that is under a mortgage can be sold, but only if this issue is agreed upon with the bank. The mortgaged property is pledged, so its owner, by law, cannot fully independently dispose of the property.

The sale of an apartment is due to several reasons: the inability to repay the loan, the purchase of another living space with better conditions, and others.

Currently, there are 4 legal ways to sell an apartment that is on credit:

• Early repayment of debt.
• Sale with debt repayment in the process of concluding a transaction.
• Selling an apartment along with a mortgage debt.
• Sale of an apartment by a bank.

All options have their own individual characteristics, but in each case it is necessary to interact directly with Sberbank.

Insurance

Insurance of the collateral is a mandatory requirement of Sberbank. You can choose the best option and apply for a policy on the DomClick website, using the services of Sberbank partner companies. Read about how to return the insurance amount in the article “Return of Sberbank mortgage insurance”

The borrower pays the cost of insurance independently. A similar procedure is required only for apartments on the secondary market and built houses (when documents are available). New buildings are insured after construction is completed and the house is put into operation.

Expert opinion

Irina Bogdanova

Expert in the field of mortgage lending.

In addition, the applicant must insure life and health, otherwise the mortgage rate will increase by 1%.

Selecting banks to apply to

Brobank.ru presents the best banks with various mortgage programs. They all accept applications online. Moreover, many are reducing rates for borrowers applying online. This is what Sberbank, VTB, Alfa-Bank, Otkritie and some others do.

Your task is to select 2-3 banks with optimal terms for concluding an agreement. But please note that if you are planning to buy an apartment in a new building, the property must be accredited by the bank. If we are talking about secondary housing, the bank can be any.

How to choose a bank:

• In the list of banks to contact, be sure to include the one through which you receive your salary. Salaries always have their rates reduced;
• look at the exact betting grid, increasing and decreasing odds. This way you can understand which banks will offer you favorable conditions;
• if you took out loans from any banks or held deposits, also consider applying for them;
• look at the requirements for the property being purchased. In general, they are identical everywhere, but there may be some critical difference, for example, in the year the house was built;
• requirements for borrowers, what documents need to be provided. You must meet all criteria.

If you want to buy an apartment in a new building, look at which banks have accredited the house and contact them. Often developers offer free brokerage services - this is also a good option.

Requirements for the borrower

Sberbank has various requirements for potential borrowers, which is influenced by the chosen lending program and the terms of the mortgage.

Standard requirements for the applicant:

• Russian citizenship and permanent registration on the territory of the Russian Federation;
• age range - from 21 to 70 years at the time of repayment of the mortgage loan;
• work experience at the current place - the last six months, continuous - over 1 year;
• sufficient income to make mortgage payments (confirmed by a 2-NDFL certificate);
• attracting co-borrowers or guarantors, which increases the chance of approval;
• availability of own funds to make a down payment of up to 20% of the cost of the purchased home.

Participants in the Young Family program must meet certain requirements:

• have housing with a total area of ​​no more than 42 square meters. m for two or 54 sq. m for three;
• live in conditions that do not meet sanitary standards;
• live with a person suffering from a serious illness;
• be no older than 35 years of age.

For a military mortgage, the borrower must have served in the military and be a participant in a special program (NIS).

When applying for a housing loan using maternal capital, you must provide a certificate. In the event of the birth of a second or subsequent child, funds issued by the state can be used for a down payment or debt repayment.

Requirements

Regardless of the method of applying for a mortgage, the borrower submits the same package of documentation. At the same time, absolutely equivalent requirements are presented to him.

Required documents

The documents provided by the potential borrower include:

1. Russian passport;
2. A certificate of income for six months, which is drawn up in the Sberbank form or in the 2-NDFL format;
3. A copy of the work record book or current employment contract;
4. An application form filled out according to the Sberbank form.

If there are co-borrowers or guarantors for the loan, similar documents are required from them. When submitting an application at a bank office, the specified documents are provided in paper format, and when applying online - in electronic format.

What data do you need to provide?

The speed of consideration of the application and the likelihood of a positive decision on the part of Sberbank largely depend on how complete the package is provided by the potential borrower. Naturally, two factors

– liquidity of the collateral provided by the client and the level of his constant income.

Real estate requirement

Sberbank strictly approaches the issue of choosing property as an object of collateral for a mortgage, putting forward certain requirements for real estate. It is important for the financial institution that in the future, if the borrower evades fulfillment of debt obligations, it is possible to sell the collateral without problems at a price close to the market one.

Approval of an object under a Sberbank mortgage depends on the appraisal report. Failure to meet the required parameters even on one point gives the lender the legal right to refuse the borrower to issue a mortgage loan.

Ready housing

Sberbank has specific requirements for purchasing an apartment with a mortgage:

• real estate must be located on the territory of the Russian Federation, in a liquid area;
• in Moscow, buildings no younger than 1970 are suitable, in the provinces - from 1955;
• during the total service life of the building, wear and tear should not exceed 70%;
• all rooms must have radiators, glazed windows, doors in accordance with the technical passport, and there must also be cold water supply, ventilation in the kitchen and restroom;
• the building must have a concrete, stone or reinforced concrete foundation;
• all redevelopments carried out must be coordinated with the relevant organizations.

The bank will definitely refuse if the property:

• is under encumbrance, arrest;
• with debts on utility bills;
• is in a dilapidated state and is being prepared for demolition;
• intended for reconstruction;
• with wooden floors;
• constructed from blocks or panels.

The bank does not consider premises located on the ground, first and last floors, as well as small families and dormitories.

The listed criteria are taken into account only when purchasing an apartment. When applying for a mortgage on a house with land, you will need to do a land survey.

How to apply online through the DomClick service

Applying for a mortgage loan does not take much time. To do this you will need to fill in the following information:

• information about the required loan (cost of real estate, purpose of lending, term, amount of down payment);
• consent or refusal to purchase life and health insurance of the borrower;
• presence/absence of a Sberbank salary card;
• the possibility of confirming income with a 2-NDFL certificate or using a bank form;
• personal data (full name, date of birth, email address and telephone number).

After specifying all the listed information, the client will create a personal account, which will subsequently reflect all information on the submitted application. You can also access your account through Sberbank Online; it already contains all the necessary information about the client.

Additionally, before submitting an online application, the client can expand the payment schedule in detail and carefully review future payments.

In your personal account, you must indicate your work and income information:

A very important point is additional income. It does not need to be confirmed by documents, so be sure to indicate the required amount there in order to receive approval for the maximum possible mortgage.

Next, you need to upload documents and select the bank office you need.

After that, we send the application for consideration or add a co-borrower, and then wait for the result.

Mortgage for construction

The construction site must meet the following requirements:

• is included in the number of lands intended for individual housing construction and agricultural work;
• not listed as collateral;
• registered in the BTI as “construction in progress” if there are any buildings on it.

All owners of land plots in this case are required to act as mortgagors. Banking control is carried out at all stages of construction.

Mortgage conditions according to two documents in Sberbank

Both options have similar conditions:

1. The applicant is ready to provide a down payment of 50%. If the borrower cannot confirm income, he needs to convince the bank of his own solvency.
2. The client agrees to offer existing housing or a purchased apartment as collateral. The bank requires collateral for the loan, given that the financial stability of the payer has not been sufficiently studied.
3. During the lending process, the applicant will issue an insurance agreement to maintain the liquidity of the purchased property.

Costs when applying for a mortgage at Sberbank

When applying for a mortgage loan, expenses will arise for the following items:

• valuation of collateral real estate;
• payment of state duty when registering a transaction and receiving a registration certificate;
• registration of an insurance policy for a residential property, life and health of the borrower (a preliminary calculation can be made on the DomClick website);
• real estate and notary services;
• payment for renting a safe deposit box (if the payment form is accredited);
• registration of various certificates in Sberbank.

Adviсe

To increase your chances of getting a mortgage loan, you should follow these tips:

1. During the process of submitting a remote application, you must not deceive or mislead the bank. Information is verified using an internal database through government agencies.
2. If you have any doubts, questions or clarifications, you should contact your loan officer to get full access to the data. A bank employee will suggest a convenient solution for selecting a program.
3. The bank is responsible for maintaining personal information. But the client must submit his documents only on the website. And personal information in the form of passwords should not go beyond Sberbank.

At the final stage of applying for a mortgage loan, you will need to be personally present at the bank, so the client is offered a convenient time and address.

Down payment on mortgage

You can get a mortgage from Sberbank only if you make a certain amount of the down payment. The amount is calculated as a percentage of the property value and depends on the program:

Borrowers who have not documented their income will be able to take out a mortgage loan only with a 50% prepayment.

Necessary documents and requirements for clients

Most potential clients want to purchase an apartment without making a down payment. Previously, Sberbank did not provide such an opportunity. However, today the conditions for providing a mortgage loan have been revised. Applying for a mortgage without a down payment at Sberbank online has become much easier. Russian citizens are now allowed to buy housing without paying part of the total cost.

The bank will necessarily require a certain set of documents from the applicant. The standard list includes:

• passport details;
• SNILS, military ID, international passport;
• 2-NDFL certificate from work for the last 6 months;
• marriage certificate and children's birth certificates, if available;
• a copy of the work book.
• certificate for the amount of the down payment (about maternal capital, young family)

The bank has the right to request additional information if necessary.

Online mortgages without a down payment from Sberbank are available to persons with Russian citizenship with an official stable income and a certain work experience.

We recommend reading: Requirements for online mortgage documents

Mortgage repayment terms

By default, the loan is annuity, which means the debt is repaid in equal payments. A differentiated loan is issued at the request of the borrower, if specified in the application. You will have to document a higher income and provide guarantees in the form of co-borrowers and guarantors. In the first case, the monthly payment does not change. In the second, the amount decreases every month.

Early repayment is possible at any time until the contract has expired, unless it contains a prohibition on this measure. Delay is punishable by penalties. Failure to pay on schedule will cost up to 20% of the unpaid amount. In addition to fines, there is an opportunity to save money. The amount of the required tax deduction is up to 260 thousand rubles. This is the amount of taxes from which the borrower is exempt if he took out a home loan.

The legislation assumes that from the moment the mortgage application is approved until the date of making the last payment, the apartment is collateral. In fact, it belongs to the bank. It becomes the property of the person who submitted the application earlier after receiving the owner’s certificate and making the appropriate entry in the register. More precisely, the contract is signed directly with the developer, but the housing remains encumbered.

As long as there is a debt on the loan, the property cannot be sold, pledged, donated, or exchanged. Mortgages do not provide such opportunities. It is allowed to live, repair, and use for one’s own needs. The result is improved living conditions for the whole family.

Online Internet banking is a service that allows you to pay loan amounts remotely. There is no need to go to the office, carry documents and money. It is enough to have a computer (laptop) or mobile device with an Internet access point. The payments section has a feature that allows you to conduct transactions remotely. The following must be entered in the transfer application form:

1. The loan account number specified in the mortgage loan agreement.
2. Amount of payment. May differ from mandatory if we are talking about early repayment.
3. Details of the source account. This is not an application number. Choose a salary card or savings account.

It is convenient to use the auto payment service. By setting the date of the transfer, the payer gets rid of the need to track the day of loan repayment. The application for automatic payment is generated once. Transfers are made every month on the specified date.

Until approval is received, you can track the status in the Internet banking system. Knowing the application number, it is easy to determine which one is a mortgage. You can monitor the process in your Sberbank personal account or in the Dom Click system. To log in using your personal login, you will need a password. Information about submitted applications is located in the loans section.