Not everyone can afford to buy a house or apartment for cash. Especially if a young couple is just starting a joint life. It is not very profitable to remove the dwelling in the housing, prices are bite and hit the pocket. Pay for a communal car, also the owner for accommodation, no better to immediately take a mortgage and pay it every month. At the same time know that real estate will be yours. Consider how to take a loan in Sberbank.
1
Mortgage can take individuals who were fulfilled 21 years. It is necessary that in the last enterprise or the company you have worked for six months. It is very good if the salary card is decorated in Sberbank, such customers a bank gives loans first.
2
Mortgage loan needs to be issued with coaches (husband or wife) or guarantors. If the mortgage takes a family, then you need to comply with a number of requirements. Age at least one family member should not be over 35 years old. Husband must already serve in the army or not to be military service. This type of mortgage loan is called a "young family".
3
If a similar mortgage loan is not for you, then ask what loans are. Banking experts with pleasure you will tell you about the types of mortgages. And which suits you, choose yourself. Interest rates are different from 9.5 % Until 14. %, depending on what time the money takes the money (the duration of the loan is up to 30 years). And you need to know that the first installment is obligatory. It is usually 10%, and even 15% of the entire amount of mortgage loan.
4
The most important thing is that Sberbank agrees to receive mortgage lending. Therefore, we need a packet of papers: a passport, documents from accounting of an average earnings, a request for a loan, a passport of the co-consignor, acts on the purchased housing. Photocopy of passports, including a labor book, must be certified in the personnel department at your company or enterprise.
5
After filing these papers, Sberbank specialists decide to give you a mortgage or not. This decision has to wait, it happens that in a week they give an answer, and to whom it is not lucky - can wait a month, it all depends on the workload of your expert. After all, the data must be carefully checked, and a lot of customers. You will be known about the result, after which it is necessary to visit Sberbank with guarantors and a contemporary to raise signatures in acts. Here at the end of all these procedures you can get a mortgage loan.
It is best to take a mortgage loan in Sberbank. Low interest here. It is not necessary to insure the health and life of the creditover. Main: Observe all the requirements of credit transactions, and then you will definitely give a mortgage credit.
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