We have approved a mortgage at SberBank - what to do next? Action plan

• Russian passport with permanent or temporary registration;
• a certificate in form 2-NDFL or a certificate in the bank form confirming income;
• mortgage application form;
• a certified copy of the work book;
• insurance certificate of state pension insurance.

At the client’s request, Sovcombank can issue title insurance for real estate, as well as life and health insurance. Insurance is obtained from insurance companies that are partners of the bank.

Additionally, the bank may request documents for children if the apartment is taken under a mortgage program for families with children. If there is a co-borrower or guarantor, you must provide similar documents.

There are special requirements for individual entrepreneurs or pensioners. For example, an individual entrepreneur will have to bring a tax registration certificate, a declaration for the last tax period and a license for the chosen type of activity if he is running a business that requires its registration.

Mortgage approval in Sberbank

The first stage of obtaining a mortgage loan is choosing a bank for further cooperation. The advantages of Sberbank are obvious and are as follows:

• leading positions in the domestic banking market;
• stable financial position;
• a large number of offices, ATMs and terminals;
• the reputation of the country's most successful bank combined with the status of the largest financial institution in Russia;
• favorable lending conditions, including mortgage;
• variety of mortgage loans offered to borrowers.

The next stage of obtaining a mortgage is obtaining approval from the bank. To do this, you must fulfill three mandatory conditions: collect the necessary documents, meet the bank's requirements for borrowers and submit an official application for a mortgage loan.

Who is approved for a mortgage at Sberbank

The answer to the question whether a mortgage will be approved by Sberbank depends on the fulfillment of several basic requirements for the borrower. First of all, we are talking about the following conditions for issuing a loan:

• the client's age ranges from 21 years (at the time of issuance of the mortgage) to 75 years (at the expiration date of the loan agreement with the bank);
• at least six months of work experience at the last place of official employment and 1 year of total work experience over the last 5 years;
• Russian citizenship.

It is allowed to involve up to 3 individuals in a lending transaction as co-borrowers, whose income is included in the calculation of the minimum mortgage amount. They are subject to requirements similar to those listed above for the main borrower.

Required documents

The second condition for approval of a mortgage by Sberbank is the collection and provision of a set of documentation. It includes:

• passport of the client and co-borrowers for lending;
• document confirming the official registration of the borrower;
• documents on the financial situation of a potential bank client - sources and level of income;
• certificate from the place of official employment;
• documents for property provided as collateral (if this is not the purchased housing);
• additional documents that are required to participate in various social and preferential mortgage programs (for example, for lending under the “Young Family” program, marriage and birth certificates are provided).

Submitting an application

Another document required to be submitted to the bank is an application for a mortgage. It is served in one of three ways:

• upon a direct visit to the Sberbank office by a potential borrower;
• through partners of the financial institution, the list of which is constantly updated;
• remotely online using the Sberbank DomClick service.

It is the latter option that is used today as the main one, as it is profitable and convenient for all parties to the transaction. A potential borrower saves time and money on traveling to the office, and Sberbank gets rid of the need to open new divisions to service an increasing number of clients.

Reviews about purchasing real estate through DomClick

Everyone decides for themselves whether to accept the information presented below for consideration. It is important to understand that people tend to share negative emotions more often than positive ones.

On the Internet you can find the following reviews about contacting DomClick:

Svetlana:

Registered on DomClick. I calculated the mortgage in advance. I took into account that I have a SB salary card, but I don’t want to buy insurance. I submitted my application and received preliminary approval. I selected an apartment, paid for the appraisal, and checked its legal integrity.

I uploaded all the documents to the website and sent them for verification. What a shock I was when I received a refusal. I called the accompanying manager. She replied that the system automatically checks documents. To my question, who will return the money for services I don’t need, I never received an answer. Even if I wanted to, I cannot consider my experience with DomClick to be positive.

Elena:

My husband and I have had a mortgage for a long time. Now the main thing is not to forget to renew your insurance. And this is where DomClick came in handy for us. I set the parameters of the property, indicate the amount of debt, and select an insurance company from the proposed list.

What do you like? The fact that you don’t need to go anywhere at all. I paid for the policy on the spot and it was immediately sent to the bank. I don’t pay penalties, bank employees don’t call me and tell me that the insurance period has expired. I don’t know how the other services work, but so far I like everything.

Ivan:

Now everything is behind us, the apartment has been purchased. I'm paying off the debt. I liked working with DomClick. The property was purchased on the other side of the country. And I didn’t have to fly back and forth to sign all the contracts.

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But the electronic registration service is still far from perfect. Or I came across an incompetent Sberbank employee. The first time the registration notification file arrived empty. No document in it, no signature, nothing.

And the manager tells me that checking the content is not his task. What came from Rosreestr, he gave it to me. I had to talk with the leadership of the young talent. And lo and behold. A request for a duplicate extract was immediately sent. But, really, we had to wait a little longer.

Sergey:

What attracted me to DomClick was that they write that they check both realtors and real estate. But in reality, apparently, the admins do not work too fast. I called five apartments from one agency, all of them have already been sold. And information on them hangs. I found myself a two-room apartment. But I had to make a lot of calls.

Yvonne:

I don't belong to the older generation. But I don’t trust electronic documents much. And I was skeptical about Sberbank’s proposal to formalize the deal through DomClick. For a month I was worried that I would lose money. And my relatives constantly reported that I would be left without square meters. But yesterday, I finally received an extract from the Register and saw that I am the owner of the three-ruble note.

Maria:

I am calm about the desire to transfer everything into electronic format. And I liked Sberbank’s offer to register an apartment on DomClick. It’s a little annoying that you have to fill out an appraisal without knowing whether the loan has been approved. But overall everything is good. Another organizational disadvantage is problems with sending scanned documents. I had to duplicate it 3 times.

Garik:

I can not say anything. Design, like design. The same documents. Only I didn’t go to the bank with them, but scanned them and uploaded them to the website. I waited for an answer, paid the down payment, arrived at the branch, and signed the contract. Maybe it’s on my side that I chose the apartment from an accredited developer, or that I receive a good salary into my account in the Security Service itself. Don't know. But I didn't have any problems.

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Mortgage specialist Maria Yurievna Sokhan

Publication dateJune 17, 2019September 27, 2019

How to find out the bank's decision

The standard period for making a decision on mortgage approval, which is declared by Sberbank, is from 2 to 5 days. They are necessary for carefully studying the documents provided by the borrower and collecting information about his credit history.

You can obtain information about a decision made by the bank in several ways:

• in the vast majority of cases, an SMS message from Sberbank is sent to the client’s contact phone number;
• if there is no response from the borrower, a specialist from the financial institution calls him personally;
• the client independently contacts the developer or mortgage broker through whom he applied for a mortgage.

Possible reasons for refusal

The most common reasons for refusal to approve a mortgage transaction are:

• problematic credit history of the potential borrower;
• the high level of his financial obligations;
• insufficient amount or stability of official income;
• providing erroneous or unreliable information and, even more so, falsifying documents;
• lack of confirmation of the provided data on the amount of salary from the employer.

Re-application

Receiving a refusal from Sberbank does not at all mean that it is impossible to obtain a mortgage. It is often possible to resend an application for a loan after eliminating the comments made by specialists of the financial institution. Typically, in this case we are talking about technical errors made by the applicant, including:

• invalid passport data not in the FMS database;
• low income;
• errors during the registration of a salary card when indicating the passport details or full name of the borrower.

Resubmitting an application is allowed 2 months after receiving a refusal of the original one. This time is quite enough to collect the necessary set of documents, taking into account the mistakes made earlier.

Registration of insurance

Insurance of the purchased property is a mandatory condition for concluding a mortgage agreement.
When applying to Sberbank for a loan, when applying for insurance, you will need to contact one of them. Now there are 20 of them, and most of them independently notify the bank of the conclusion of the agreement. Also at this stage you can take out personal life and health insurance. You can contact the same companies. If you cancel the policy, the interest rate will be increased by 1% per annum. But here you need to consider what will be more profitable - to take out insurance or refuse it.

What to do after your mortgage is approved

A positive decision from Sberbank to approve a mortgage is valid for 3 months. During this period of time, the borrower needs to carry out a set of activities necessary to formalize a mortgage loan agreement. The most important operations performed by the client step by step should be considered in more detail.

Search for a residential property

First of all, you need to find a suitable property - an apartment or a house, which will be purchased with borrowed funds from the bank. Choosing housing is an extremely important and responsible undertaking, therefore, to implement it, they often resort to the services of highly specialized specialists. These include both private realtors working as individual entrepreneurs and real estate agencies.

Sberbank offers various types of lending, starting with the purchase of an apartment in new buildings and ending with the construction of a private house on a pre-registered plot of land. Naturally, this must be taken into account when choosing an object to purchase.

Real estate valuation

The next event is an independent assessment of real estate purchased with a mortgage. It is carried out by specialists from one of the appraisal organizations accredited by Sberbank, the list of which is posted on the website of the financial institution.

The main task of assessing a mortgaged apartment or house is to obtain an objective idea of ​​the real value of the property in order to reduce the bank’s risks. For the client, the competent work of an expert appraiser is also useful, as it allows one to identify possible shortcomings of the property that were not noticed by the unqualified eye of the buyer.

Collection of documents

Then you need to start collecting a set of documents necessary to draw up two contracts - a mortgage and a pledge. The buyer must prepare and submit to the bank:

• expert opinion on the assessment of the object;
• documents confirming the availability of funds to make the initial mortgage payment;
• personal documents of the borrower - passport and certified work book, as well as a certificate of salary, drawn up in the form of a bank or in the form of 2-NDFL;
• consent of the spouse, executed by a notary, for married borrowers;
• certificates of existing outstanding loans;
• when using maternity capital funds - a certificate and a certificate received from the Pension Fund.

In addition to the buyer, a certain set of documents is also provided by the seller of the mortgaged apartment or house. In this case we are talking about the following documentation:

• a set of statutory documents (for a legal entity) or a passport (for individual entrepreneurs and individuals);
• title documents for the property (extract from the Unified State Register of Real Estate, purchase and sale agreement, DDU, certificate of title, etc.);
• consent of the spouse or spouses (for married individuals) or guardianship authorities (if there are minor children among the homeowners).

Registration of insurance

Obtaining a mortgage is accompanied by the registration of two types of insurance. The first concerns insurance of the property and is mandatory. The second is voluntary and involves concluding an agreement with an insurance company to insure the life of the borrower. When deciding whether to obtain a second type of policy, you must remember that if it is available, the interest rate on the loan is reduced by 1 point. Other possible options for reducing it are having a Sberbank salary card and working with developers who have partnerships with a financial organization.

The list of insurance organizations whose policies are accepted by Sberbank when processing mortgage loans is posted on the official website of the institution. It is divided into two parts - the first includes insurers who work with real estate and other property, and the second - those providing life and health insurance services to borrowers. Sberbank actively cooperates with almost all leading participants in the country's insurance market. In addition, the financial holding company includes two insurance companies - Sberbank Insurance and Sberbank Life Insurance.

Disadvantages of the DomClick service

If we talk about the disadvantages, then, as reviews about applying for a mortgage online on DomClick show, they are often not directly related to the service and its functionality:

• In Russia, an electronic document management system is just being formed. Citizens of the country are not accustomed to trusting certificates and statements signed with digital signatures. Many fear that they are not legally binding and that the files are easy to hack and falsify;
• to gain access to all the capabilities of the service, you must first become a client of Sberbank or submit a preliminary application form for obtaining a mortgage;
• The Internet does not work reliably in all remote settlements. Uploading documents to the website in electronic format often fails. You have to repeat the same operation many times;
• Online mortgage reviews on DomClick show that the percentage of refusals for such applications is significantly higher than when applying to the bank in person. The system does not see the borrower and does not talk to him. Only documents submitted for consideration are evaluated.

Another relative disadvantage when using the DomClick functionality is the additional costs of completing a purchase and sale transaction. Find out how much you will have to pay below.

Other ways to avoid losing your home

The first and most important thing you need to know about the foreclosure of mortgaged housing is that it is not protected, even if it is the only one and minors live in it

. The law makes a very clear clause, determining that “immunity” from foreclosure does not apply to mortgaged housing. This applies to both the usual foreclosure of the collateral for a mortgage loan and the situation when the debtor decides to declare bankruptcy.

As for bankruptcy, it is worth understanding that a mortgage debtor will not fall under the extrajudicial free procedure: the amount of debt should not exceed 500 thousand rubles (mortgages amount to millions), and there should be no housing owned, except for the only one (and this does not apply to collateral). ). An ordinary judicial bankruptcy will cost the debtor on average more than 100 thousand rubles, and he is guaranteed to lose his mortgaged home

. That is, bankruptcy is definitely not an option.

True, as Nadezhda Korkka noted, there is one way to preserve the only housing - if the court takes into account that the apartment is the only housing for children, then it may not individually evict the borrower from it

. But, again, provided that the borrower somehow guarantees further repayment of the debt.

In any case, Marina Nikolaenko reminds, the borrower has the opportunity to stop the process of forced collection (and eviction) at almost every stage:

• before going to court, use credit holidays or arrange a restructuring;
• after going to court, enter into a settlement agreement with the bank. For example, sell the apartment yourself and pay off the entire debt;
• after receiving a court decision, agree with the bank or bailiff on an installment plan for the fulfillment of the obligation. In fact, this way you can get the right to pay off the entire debt in even small installments.

That is, the best option is not to avoid communicating with the bank, but to try in every possible way to settle the debt. Ideally, this will help the borrower return to uninterrupted payment of payments (for example, during the holidays he will find a new job), or simply give time to find a buyer for the apartment who will provide a sufficient amount to pay off the entire debt.

There is no need to rely on “anti-collectors”, “debtor debtors” or personal bankruptcy

– unscrupulous intermediaries usually help until the very first court hearing, and bankruptcy simply will not preserve the apartment for the debtor.

Mortgage loan approval period

After a call from an employee or an SMS with a decision, 3 months are allocated to complete the required stages. After this period has expired, you will have to do everything again - collect certificates and submit an application. You can draw up a plan and clarify the required sequence of actions with a consultant.

The site has an online calculator that allows you to pre-calculate the interest rate, the size of the down payment and the payment schedule. After this, focusing on the amount, you should begin searching for a property. It makes no sense to find an apartment you like in six months. Square meters can be sold to someone else during such a long waiting period.

During the month before submitting the application, the housing market is researched and several suitable offers are selected. When you find the single best home, it is worth talking to the owner so that he approves the deal and waits to sell, but the owner is unlikely to cooperate without special conditions. It is easier to have 4-5 suitable objects in stock.

You should check in advance the list of appraisal and insurance companies accredited by the bank. A comparison is made of their programs, prices and offers. It is more convenient to go through some of the paperwork earlier, but you need to take into account the statute of limitations for each document. It is easier to clarify some of the questions you are interested in in advance with a credit consultant.

Main reasons for delays at each stage

Sberbank does not disclose the reasons for the long review of the loan agreement. Sometimes a mortgage is approved for longer than the stated period; this is indicated in the offer agreement. At the stage of consideration of the application, the reasons for the delays may be associated with inaccurate data of the borrower, an error in filling out, or a long check of the credit history.

During the approval process, sometimes clients wait longer than the specified period (90 days) for the appraiser to generate a report on the home. In this case, the bank does not take into account the delay.

At the last stage, the transaction may be delayed due to the fault of Rosreestr or the MFC during the property registration process.