How to take a mortgage without the initial contribution to Sberbank

Mortgage loans allow you to purchase accommodation to all citizens who cannot pay the entire amount of the loan immediately. Sberbank provides such an opportunity to its customers, but you will have to get acquainted with a number of rules and criteria before issuing your application. Mortgage without the initial contribution involves obtaining a loan in the full amount of housing without one-time making fifteen or twenty percent of the full cost. Such a mortgage is very risky for the bank and is unprofitable for the client, since the percentage of payments is only growing. That is why Sberbank refused to issue a mortgage without the initial contribution a few years ago. You still can find a mortgage for yourself with the lowest percentage of the first contribution, but not completely devoid of them. Learn some ways to get a mortgage without investing your funds in the initial contribution in this article.

1
Is it possible to get a mortgage without an initial contribution to Sberbank

As mentioned above, now the largest banks of the country do not provide customers with the opportunity to get a mortgage fully deprived of the first contribution. Since for mortgage design, you are not required to provide any documents confirming your income, then give you the full amount of the loan - a big risk for the bank. The number of debtors can grow, and loans that are taken to pay off the mortgage, not the best option for the client. In addition, the client himself also puts himself under the blow when she takes such a big loan and does not even repay some of his share: your interest will increase, and the amount on them will only accumulate.

What to do, so as not to make your personal funds in the first mortgage fee? Here are just two options:

dispose of maternal capital if you have it,
either take a loan.

The second option is used only as a last resort, when a person is unable to pay a mortgage debt or he has no accumulated funds for the first contribution. Such a loan is quite difficult to get, since with two loans you will not become the most desired client of the bank. Nevertheless, such loans are issued and quite often. If you have a good credit history and stable income, then you have every chance to get a loan for the first contribution of the mortgage. Consider these options in the following paragraphs of the article.

2
How to pay an initial fee for mortgage maternal capital in Sberbank

If you have a certificate of assigning maternal capital, then you can dispose of them to take a mortgage. In this case, it is absolutely no difference between the regional maternity capital or federal.

The main plus of this method is that you do not need to wait for a three-year-old child to spend money: you can dispose of them immediately after receiving the certificate.

Of the minuses, you can allocate the obligation to divide the future ownership of shares: you must arrange the right of ownership so that the apartment or the house is divided into all family members in an equal ratio, even on young children.

To learn more about this option and place an application on the Sberbank website, follow the link to the official website of the bank http://www.sberbank.ru. And go to the "Take Credit" tab.

In the drop-down list, select the subsection "Mortgage Plus Maternity Capital" in the "Housing Credit" section.

Here you have more information about this type of mortgage. If you decide to take this kind of lending, then click "Fill out the application".

Next click "Apply online".

Now you can make a request directly on Sberbank. Fulfill a simple registration, then follow the instructions on the site.

Taking this mortgage, you can fully pay the first credit fee to the mother capital. Thus, your personal funds will remain with you, and the first installment will be paid. To learn more about mortgage with maternal capital, you can read an article How to pay off a mortgage maternal capital.
Do not forget that you will not only need a certificate of capital assignment, but also the transaction documents to confirm the division of ownership in the pension fund of your city.

3
How to pay off the initial fee for mortgage by credit funds in Sberbank

Of course, to get this opportunity, you must be a trustee of the bank, have an exemplary credit history and high income. It is desirable that you no longer have any loans, in addition to these two.

In the same tab on the Sberbank website, you can see the "Refinancing of loans", in which there are two subsections with different collateral methods.

It is worth calculating its strength soberly and responsibly approach the choice of such an initial contribution to the mortgage. It is well suited if the mortgage needs to take it now, and you will only have money after some time. Then you will not have time to take a large number of interest on paying, and you will have time to pay off the refinancing loan with almost no cash losses.

4
How to choose a mortgage loan in Sberbank

If you abandoned the idea to take a mortgage without the initial contribution outlined above, then choose a minimum interest rate for yourself. See all available and suitable options for you by reference to the selection of the loan. http://www.sberbank.ru/ru/

Pay attention to the field on the right and arrange all the checkboxes, according to your indicators and desires. As soon as you fill in the entire list, all loans available and suitable for you will appear in the area on the left side.

And in order to correctly calculate future payments, use the credit calculator. Just bring genuine information to the form on the upcoming loan on the mortgage description page, the service itself will calculate.