How to get a mortgage in the savings Bank

Sberbank provides citizens with the different types of loangovernmental programs. There are basic - the purchase or construction of housing and the construction of a house. There are special "Country estate", "Garage", "Refinance home loans" and "mortgage with state support". The latter is particularly popular due to its convenience and reliability.

You will need

• Documents to obtain a loan (including a passport), the filled form of Sberbank

Instruction

1. The borrower must be a citizen of the Russian Federation not younger than 21 years. His work at current place of employment shall be not less than six months. The participant of the mortgage program can be no more than three co-borrowers whose income is taken into account when calculating the maximum loan amount. Spouses automatically become a co-borrower even in the event of insolvency of one of them.
2. For consideration of the credit application required-application form, the filled form of Sberbank, passport of the borrower, the documents confirming his financial condition and employment, paper by providing and credited to the property. The application is considered within 7-18 working days after submission of complete packet of documents.
3. The loan is issued in rubles. Commission for issue no. The amount may not exceed 8 000 000, if the premises is located in Moscow and St. Petersburg, and 3 000 000 rubles, if the residential premises are located in any other region of the Russian Federation. Repayment mortgage - monthly equal payments, but the possibility of early repayment (without a fee).