You will need
- loan program;
- — credit card;
- — a list of documents;
- — proof of income;
- — memo of the borrower.
Select one of the basic programs. This can be a loan for investment construction, a housing Deposit credited to or any other premises, for the purchase of finished housing mortgage financed or other residential structures or for construction of residential houses under the pledge of the financed building or other dwelling. In the first two cases, the rate in rubles is 9.5-14%. In the third case — 11,7-14,75%. Fees for loans do not exist. There are special credit conditions for customers whose salary comes to the account opened in the Bank, and for employees of organizations accredited by JSC "Sberbank of Russia". It is assumed an individual approach to the consideration of each application. There is no need to insure the life and health of the borrower and co-borrowers.
If the basic program does not suit you, please refer to the special offers of the savings Bank. This may be the mortgage with state support (loan for purchase of under construction or ready-made structures from a legal person under a Deposit credited or to any other premises) or refinancing of housing loans (the program of the repayment of the loan to another Bank for purchase or construction of houses or apartments). You can choose the most suitable credit card — non-personalized instant card issuance a Visa Credit Momentum / MasterCard Credit Momentum with a limit to 150 000 rubles, or individual credit card with a limit up to 200,000 roubles. A credit card is issued to the customer after approval and obtaining a mortgage.
Get in the savings Bank a complete list of required documents and complete the income statement form the Bank.
Carefully read the information on the credit and conditions of its service (repayment) examine the loan agreement and other official papers (advised to get in Bank or downloaded from its website a memo).