How to fill out an application for a mortgage at Sberbank: sample filling and form for downloading

Main features of providing mortgages by Sberbank

As a bank included in the Top 10 Russian banking organizations in terms of assets and reliability, Sberbank provides clients with a variety of mortgage products.

At Sberbank you can get a mortgage for:

• Housing construction;
• Purchase of finished housing;
• Individual construction of a residential building;
• Construction of a wooden residential building (in Moscow, Moscow and Lipetsk regions);
• Construction of a country house.

Sberbank provides mortgage loans under preferential lending programs with government support, making it possible to implement Maternity Capital as part of improving housing conditions. He is one of the few Russian banks that are ready to issue non-targeted loans secured by real estate (i.e., practicing mortgages by virtue of an agreement).

Features of the questionnaire in Sberbank

The application form for obtaining a mortgage at Sberbank has a single form, regardless of which mortgage program the client has chosen.

The application form includes seven pages, six of which (p. 1-5.1) are filled out by the borrower, and the seventh (p. 6) is used to put official marks on the application form and is filled out by bank employees.

Another important feature of the application form for a home loan at Sberbank is the requirement for the person filling it out to provide detailed information. So, when filling out the fields relating to the personal data of a potential borrower, it is necessary to indicate in them his family connections, and when submitting information about employment, you must indicate:

• Organizational and legal form of the employing organization;
• Approximate total number of employees;
• TIN of the organization;
• Type of activity of the employing organization;
• The applicant's length of service there;
• The applicant's total work experience;
• Monthly income and expenses.

All these details are necessary for the bank to get a complete picture of the borrower’s personality and financial solvency.

Notifications of review results

Sberbank provides several options for communicating to a potential borrower the results of consideration of his application for a mortgage. This ensures that the client is notified promptly. The first of them involves sending an SMS message to the phone number specified in the application. The second method involves duplicating the sent information by sending a letter to the client’s email. The third option is to call a bank employee, who will not only inform you about the decision made, but also explain its reason, as well as possible further actions of the borrower.

Sample form

Page 1 of the questionnaire includes information about the applicant’s role in the proposed transaction, personal and passport data, information about the applicant’s marital status, changes in his last name, first name, patronymic and contact information.

On page 2 of the application form, you are required to provide information about the applicant’s relatives, the nature of his employment and his existing assets.

Page 3 is devoted to information about the requested loan product: the required amount, the mortgage program, the nature of the collateral, preferential lending conditions.

Since banks often underestimate the loan amount compared to the planned one, you can try to slightly overestimate it when filling out the application form.

Additional page 5.1 is filled out only when refinancing is secured by real estate and contains information about loans previously taken from Sberbank or third-party banks that are subject to refinancing.

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The application form can be downloaded directly from the Sberbank website and filled out by hand at home. To do this, you need to follow the link: https://www.sberbank.ru/common/img/uploaded/files/pdf/person/credits/kf-anketa.pdf and print the document that opens.

The questionnaire should be easy to read by a bank employee. Therefore, you need to enter information into it with a bright pen (black or blue) in block letters, placing no more than one graphic character (letter, number, etc.) in the cell intended for filling.

Reasons for refusal

Most often, a mortgage may be refused if:

• incorrect documentation was submitted, which aroused suspicion on the part of bank employees;
• the parameters of the collateral property do not meet the requirements put forward by the bank;
• the client’s income level or other indicators do not suit the bank.

Typically, approximately 80% of applications are approved. As for the rest, if they were refused due to a third reason, attracting co-borrowers will help.

The reason for refusal may also be lack of registration, or receipt of basic income from business activities. Refusal can also occur due to the presence of a significant debt for utilities, and even during long-term treatment. If a refusal is received, the next application can be submitted no earlier than two months later.

Questionnaire for title co-borrower, co-borrower, guarantor

Sberbank offers a unified questionnaire form that is equally suitable for filling out by the borrower (if the mortgage is issued by one person), the co-borrower (if several people are involved in the mortgage on the part of the borrower), the mortgagor or the guarantor. All fields of the form, if filled out by a co-borrower or guarantor, remain mandatory.

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When filling out the first field of the form, “Role in the proposed transaction,” you should check the box next to the options offered in the form:

1. Title co-borrower;
2. Co-borrower;
3. Guarantor;
4. And/or pledgor.

You are also required to provide the full name of the borrower (title co-borrower).

Next, you just need to carefully read the application form, which states which fields need to be filled out by the co-borrower or guarantor, and which are addressed only to the borrower (title co-borrower). The information required to fill out the form is clear and it is easy to understand how to fill out the form.

If the client still experiences difficulties when filling out the application, he can make a request to a Sberbank employee: he will fill out all the fields of the application according to the applicant.

A mandatory condition for filling out the form is consent to the processing of personal data. Its validity period is by default 5 years from the date of signing. However, the applicant can withdraw consent by writing an application to the bank. This is relevant if the applicant’s application form has not been approved, and he does not want to receive advertising notifications from Sberbank about financial services, new offers and promotions.

How to fill out the Sberbank application form for a mortgage

Anyone who wants to get a loan, especially a mortgage loan designed for a long period and a large amount, thinks about how to fill out an application in order to receive bank approval.

Recommendations for filling out the applicant’s application form are the same regardless of the client’s choice of financial institution and mainly relate to the veracity of the information reflected in the application.

The information provided by the applicant in the application form must be different:

1. Objectivity;
2. Truthfulness;
3. Accuracy;
4. Completeness.

Often, an applicant, aware that he does not meet the bank’s requirements for a borrower, mistakenly decides that by distorting the information in the application form, he will achieve its approval. This is not true: any information about the applicant can be easily verified.

Therefore, adjusting the age to the limits set by the bank, overstating income, or providing incorrect information about the place of work or collateral by an unscrupulous applicant does not make sense.

Don’t forget that Sberbank’s initial verification of the borrower’s identity is carried out automatically. Bank employees working with the software set up stop filters that immediately eliminate unsuitable candidates.

No borrower can know exactly what stop filters are used at Sberbank, especially since they are changed from time to time for a number of objective reasons.

The borrower should be honest with himself. Filling out a mortgage application form is an opportunity for the applicant to see how ready he is to take out a long-term loan secured by real estate. This is a serious step that requires large expenses for more than one year (and often even more than a dozen years). A questionnaire helps you assess your readiness to take out such a loan.

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You should not submit a half-empty application form to Sberbank: it will definitely not be approved by the bank. An applicant interested in a mortgage will try to provide all the information required by the banking organization in as much detail as possible.

Useful tips

Correctly filling out the mortgage application form at Sberbank is half the success. That's why follow a few simple tips:

1. Please check that all personal information is filled in correctly several times.
2. Be sure to indicate your marital status. Banks trust married couples more.
3. When filling out job information, be sure to indicate the landline phone number of the company where you work. This could be the phone number of the director, accountant, or HR employee. In other words, the person will have to confirm that you actually work for this enterprise.
4. Try to fill out the form as thoroughly as possible. A well-filled questionnaire indicates that the person is really interested in obtaining a loan.

It won’t take much time to fill out a mortgage application form at Sberbank. You can do this yourself at home or at a bank branch with the help of an employee.

What other documents will be needed?

The applicant's questionnaire is the main, but not the only document required to obtain a mortgage at Sberbank. The contents of the package of documents partly depend on the mortgage program, and should be clarified with a bank employee.

The following documents are required for consideration:

• Russian Federation passport with mandatory registration;
• Documents confirming the financial solvency of the borrower (2-NDFL certificate, salary account statement, etc.);
• Documents confirming the borrower’s employment (a copy of the work record book certified by an employee of the HR department, an employment contract, etc.);
• Documents for the property that is planned to be purchased with a mortgage and/or which acts as collateral.

Sberbank has the right to require additional documents from the borrower, co-borrower or guarantor confirming the information provided in the application form. These documents are also required when applying for mortgages with government support.

Sberbank also offers simplified mortgage registration using two documents - a passport and SNILS. However, in this case the interest rate will be increased. Salary clients of Sberbank can do without an income certificate in Form 2-NDFL, since information about their permanent income is known to the bank.

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1. FULL NAME;
2. passport details (number, place of issue);
3. Date of Birth;
4. level and direction of education;
5. contacts and communication information;
6. direction of the client's activity;
7. the amount of monthly earnings (official and additional (if any));
8. seniority;
9. availability of property (vehicle, residential and non-residential real estate);
10. account number to which income is accrued (an extract may be required as an attachment);
11. age.

NOTE! It is possible for a third party to fill out the form with the consent of the potential borrower, but the signature must be affixed exclusively by the client himself.

How to apply online

Filling out an application online has certain features at Sberbank. Having selected a mortgage program on the bank’s website, the user clicks on the “Fill out an application” button, after which he is automatically redirected to the DomClick portal from Sberbank, which specializes in transactions with the purchase and sale of real estate, including mortgage loans.

Here the applicant is asked to compare mortgage programs, calculate approximate loan costs and enter information about:

• Date of birth;
• Marital status;
• Any number of minor children;
• Nature of employment;
• Purposes of the loan.

After entering information and receiving a calculation for the selected mortgage program, the applicant is asked to create a personal account for further filling out the application and, if approved, obtaining a mortgage.

DomClick contains information about developers and agencies for the purchase and sale of real estate accredited by Sberbank, which may be useful for the borrower.

A correctly completed Sberbank mortgage application form influences a positive decision on granting a home loan. Therefore, after filling it out, it is recommended to check the correctness of the information provided in it. The questionnaire should not contain corrections, so it is recommended to fill it out slowly and preferably at home, in order to spend the required amount of time on it.