Mortgage lending is a special type of financial services that has a number of specific features and distinctive features. At the same time, such lending involves high amounts and is associated with residential real estate, so the state could not bypass it.

For the full-fledged legislative regulation of the sphere, a special law was created, which indicates all the most important requirements for obtaining a loan. In accordance with this law, one of the most important conditions for lending at Sberbank is mortgage insurance.

Not a single person in 2019, despite all the titles, regalia and impeccable credit history, will be able to get money for an apartment without taking out a policy. At the same time, legislators have left citizens the opportunity to choose the company that suits them best. In addition, only 1 type of insurance is compulsory, a little more on this will be more in detail.

Compulsory insurance and voluntary

The mortgage market today is inherently risky. At the same time, it is practically impossible to reduce the degree of the mentioned risk, and the only available method to protect oneself from possible losses, which can be used by credit institutions, is insurance.

At the same time, borrowers are able to conclude several insurance contracts at once:

• from the risk of accidental damage or loss of real estate (fires, floods, actions of negligent neighbors);
• life, working capacity of the debtor;
• from the loss of the debtor's workplace and, accordingly, salary (including a decrease in salary due to transfer to a low-paid position).

Only real estate insurance is required for mortgages at Sberbank (and similar financial institutions).

The rest of the types of insurance contracts should be signed by clients voluntarily, although they are often tacit, but they are also a prerequisite for lending.

How is insurance taken out at Sberbank

It is important to emphasize that Sberbank is a large corporation that is not limited to just standard banking services. The scope of his work is much broader and covers all modern types of insurance (and mortgage apartments in Sberbank too).

Contacting the said organization has several advantages:

• the loan will become cheaper, and the interest rate and costs are lower;
• all required papers are drawn up in one place;
• there is an opportunity to fill out a questionnaire to obtain a policy online;
• the company offers a convenient virtual calculator that helps to calculate the benefits and costs;
• the borrower gets rid of the need to carry the policy to the bank branch on his own, since he is redirected there automatically.

It should be noted again that the choice of an insurer is a personal matter for each person. Imposing services on clients is prohibited by law and can be appealed to the authorities provided for by the current regulations.

How much does it cost to insure an apartment for a mortgage in Sberbank

There is no single price that future new settlers should count on. An experienced insurance agent will not be able to predict it, but it is quite possible to find out the approximate result. To make calculations, the easiest way is to use the online mortgage insurance calculator at Sberbank.

But it is important to remember that the final price is formed from:

• the total cost of the dwelling;
• the remainder of the debt that has not yet been paid by the borrower;
• the condition of the property and its age;
• technical features of the building.

That is, it is impossible to predict the exact amount in advance. But, according to established practice, borrowers should expect that for every million of credit debt they will have to pay from 3 to 6 thousand rubles (annually).

Consequently, the amount will be quite small, especially when compared with the cost of housing. But, if you calculate the total cost of insurance for the entire period of debt repayment, the cost of maintaining it will be quite significant.

How to get insurance

Having decided on the amount of the annual payment, you can proceed to studying information about the very procedure for insuring housing in Sberbank with a mortgage.

In general terms, this process looks like this:

1. you will have to start by choosing an insurance organization (if it is not accredited by the bank, the user will have to coordinate his choice with bank employees);
2. then you should collect all the documents required by the insurer, including papers for the acquired property, personal documents and information about the mortgage loan;
3. the next step is to sign a contract and make a contribution;
4. after which it remains to take the completed agreement to the creditor.

This completes the registration procedure, but debtors should remember that in a year the described process will have to be repeated. In this case, the borrower will have the right to change the service organization if he can find an offer with a lower payment.

List of accredited insurance companies in Sberbank

There are many ways to protect yourself from unfavorable conditions, so the tanks are trying to reduce the risk in any way. The most important element of insurance in Sberbank for a mortgage is required to call the choice of the right real estate insurer.

Not all existing institutions are suitable for this task, so customers should think about whether the bank will agree to accredit the institution they like.

For an easier choice, you can use the following list:

• "Absolute"
• "Adonis"
• "AIG"
• Alfa-Insurance
• "VSK"
• "Helios"
• "DIANA"
• "Zetta"
• Ingosstrakh
• "Liberty"
• "Independent Insurance Group"
• "BET"
• "REGIONHARANT"
• "Renaissance"
• "RESO-Garantia"
• Rosgosstrakh
• "RSHB"
• Sberbank
• "SDS"
• SOGAZ
• "Spassky Gate"
• "Sterkh"
• Surgutneftegaz
• "TATARSTAN"
• "Transnational Insurance Company"
• "Chulpan"

The above list can be changed, supplemented with fresh names and, for various reasons, losing existing items.

Return of mortgage insurance

The last nuance that deserves mention is the process of returning and paying out the money provided for by the previously concluded agreement. It contains nothing unusual.

Debtors need only know 3 nuances:

• the holder of the collateral (bank) becomes the recipient of the money under the policy;
• the amount of debt and credit is reduced by the amount paid by the insurer;
• the object is being restored, if at all possible, at the expense of the borrower.

The cost of insuring an apartment on a mortgage in Sberbank in 2018 still remains at the level corresponding to last year. The price of the policy is still directly determined by the quality of the collateral, as well as the amount of the balance under the mortgage agreement.

The need for insurance

The Law "On Mortgages" imposes an obligation on the pledger to provide insurance coverage for the pledged item (Article 31). The conditions of the signed mortgage agreement will completely dispel doubts as to whether the insurance of an apartment on the mortgage of Sberbank is obligatory.

The document clearly states that the registration of the protection of the interests of the bank, because it will be he who will be the beneficiary, and not the owner of the real estate, is a fundamental condition for granting a loan. You also need to understand that when an insured event occurs, payments under the insurance agreement will go to the bank's benefit, but it has the right to send the funds received to restore the pledged item.

The question of whether it is necessary to insure an apartment with a Sberbank mortgage every year is normal. The borrower, both in accordance with the specified law and in accordance with the mortgage agreement, must provide insurance coverage of the pledged item during the entire term of the mortgage.

Also, the answer to this question can be found on the form of the insurance policy. As a standard, the contract with the insurer is concluded for a period of 12 months, which is indicated in the document. At the end of the insurance period, if there is a mortgage debt, an extension is required, that is, an additional payment. When prolonging, the amount of insurance coverage is gradually reduced, which makes it possible to somewhat reduce the cost of insurance. If the loan is repaid ahead of schedule, sometimes you can apply for a refund of part of the paid insurance premium.

If the mortgagor, who is also the beneficiary of the insurance, changes, that is, the mortgage was refinanced with the transfer of the debt to another bank, then this fact should certainly be reflected in the insurance contract.

Insurance procedure

Property insurance for Sberbank mortgages is carried out in one of the accredited insurance companies.

What documents are needed to insure an apartment on a mortgage at Sberbank:

• policyholder's passport. If there are several co-borrowers under the agreement, then the title co-borrower, that is, the one whose name is mentioned first in the mortgage agreement, will become the insured;
• documents certifying ownership: purchase and sale agreement, Certificate of ownership (extended extract from the USRR);
• sometimes - Report on the appraisal of the pledged item.

Additionally, the insurer needs to know:

• number and date of the loan agreement;
• the amount of the mortgage balance.

Upon the conclusion of property insurance contracts, they provide:

• Insurance policy;
• receipt of payment;
• Insurance rules.

The first two documents are given in duplicate. One of them remains with the owner of the premises, and the second is transferred to the bank. When transferring a set of documents for insurance to Sberbank, it is necessary for the responsible employee to put a mark on the borrower's copy of the acceptance of insurance.

If the policyholder's passport changes, the insurance company must be notified of this. A scan of your passport and policy can be sent by e-mail. If you plan to redevelop your home, then you need to notify not only the relevant regulatory authorities and the bank, but also the insurer.

If the selected insurance company has not been accredited by Sberbank, additional documents should be provided in accordance with the requirements of the bank.

Banking services will need about 30 calendar days to check a potential policyholder. There is a risk that, based on its results, the policy will be refused.

Insurance risks

Structural elements are insured under such contracts as standard:

• walls (both bearing and non-bearing);
• floors and partitions;
• window;
• entrance doors.

Insurance of an individual residential building for a Sberbank mortgage is also financial protection of its roof and foundation.

The policy provides financial protection against such risks as:

• fire or lightning strike;
• household gas explosion;
• falling of flying objects (their debris, cargo);
• collision of a vehicle, including the bulk of the vessel;
• disaster;
• explosion of a steam boiler, gas storage and the like;
• damage by water coming from plumbing, heating, sewerage systems or fire extinguishing systems;
• illegal actions of third parties;
• sudden and unforeseen falling of trees (their parts), except for dead wood, power transmission poles, outdoor advertising and other fixed objects.

Financial question

How much does it cost to insure an apartment for a mortgage in Sberbank directly depends on the quality of the property. So, protecting a wooden structure will cost more than a brick or reinforced concrete one. The price of the policy is also influenced by such factors as the age of the borrower and the scope of his activity.

If you wish, you can choose a more advanced program, but then the cost of insuring an apartment with a mortgage in Sberbank will increase.

On average, insurance will cost 0.25-0.6% of the mortgage debt balance. That is, with a loan of 1,000,000 rubles, the policy will cost 2,500 - 6,000 rubles.

The price of insurance goes down due to changes in the composition of cases that will be recognized as insurance. This minimizes the risks of the insured, but increases the risks of the owner of the property.

You need to understand that the cheapest insurance ultimately only covers the risk of total loss of property. For example, if the window is broken, the insurer will compensate its cost in the amount of 100 percent. But if the house burned down and the foundation remained, then payments will be about 60-80% of the loan balance.

In the event of an insured event, you must immediately notify the insurance company, preferably in writing. Payment of the sum insured is possible only after all the necessary documents have been submitted. The procedure takes up to 1-2 months.

Sberbank Insurance

Insurance of a property with a mortgage from Sberbank is possible in one of its subsidiaries - Sberbank Insurance.

The first policy is issued directly at the Sberbank office. The service is provided by a mortgage manager. The extension of the policy is possible online on the insurer's website, as well as in the personal account of the Sberbank Online service.

When insuring an apartment on a mortgage in "Sberbank Insurance", the price of the policy can be reduced due to the promotional code. The insurer provides a 10% discount when applying online.

There is an opportunity for 2,500 rubles to expand the scope of the agreement. Then he will cover both damage in relation to the interior decoration of the dwelling and the civil liability of its owner. The amount of additional coverage is up to 750,000 rubles.

On average, home insurance with a mortgage in Sberbank Insurance will cost 0.25% of the amount owed.

Advantages:

• renewal of the contract is possible online;
• It is no longer necessary to notify the bank about the fact of prolongation.

Flaws:

• online only work with real estate such as a private house or apartment. It is impossible to insure a room, a garden house and similar objects in this way;
• in case of premature termination of the mortgage agreement, it will not be possible to receive a refund of the paid insurance amount. In this case, the insurance contract is considered valid even after the debt is repaid.

Ingosstrakh

The initial agreement with Ingosstrakh must be drawn up upon the personal appeal of the homeowner to the insurance agent. Subsequently, upon the conclusion of a multi-year contract, the renewal is possible online on the website of this company.

How much does it cost to insure an apartment with a mortgage in Sberbank in Ingosstrakh in 2018 - 0.6-1% of the amount of mortgage debt.

Advantages:

• a deferred payment is possible when prolonging the insurance contract. But if the insured event occurs before the insurance premium is paid, then the insurance contract will be considered not concluded;
• you can pay for insurance when renewing the policy online.

Flaws:

• the amount of insurance coverage is limited to amounts of 100,000-10,000,000 rubles;
• high cost of the policy.

VSK

The minimum real estate insurance for a mortgage in Sberbank from VSK will cost 0.1-0.5% of the amount of the mortgage debt. In this case, the protection concerns only structural elements. If it is necessary to expand the insurance, then its price with high-quality finishing will increase to 0.35-0.9% of the amount of mortgage debt.

Advantages:

• VSK is a member of the Sberbank loyalty program "Thank you", that is, if you pay the insurance premium from this bank's card, you can get bonus bonuses;
• objects of construction in progress are accepted for insurance, subject to the presence of a foundation, walls and a roof, as well as external windows and doors;
• the sum insured can be set both in Russian rubles and in foreign currency.

Flaws:

• in some cases, the insurer has the right to apply both decreasing coefficients (0.9-0.1) and increasing ones - from 1.1 to 5.

"Zetta Insurance"

Zetta Insurance offers differentiated rates depending on the type of specific risk.

As a result, base tariff rates range from 0.013 to 0.2294. If you apply for extended coverage, then the tariff is 0.5129.

When the policy is extended, a correction factor from 0.5 to 2.2 is applied, depending on the presence or absence of the fact of making insurance payments in previous periods.

Advantages:

• if the property was completely destroyed, then according to the terms of the agreement, "Zetta Insurance" will pay the balance of the mortgage debt plus 10% of this amount;
• if the policy is issued for the entire value of the property, then if it is completely destroyed, the owner will receive the difference between the debt to the bank and the price of the lost home.

Flaws:

• by choosing the cheapest program, policyholders receive very limited protection;
• a wide range of applied correction factors does not allow to accurately predict the final cost of the policy;
• the shorter the policy period, the higher the correction factor is applied.

"Reso-Garantia"

The basic tariff in "Reso-Garantia" for insurance against the risk of destruction of the pledged item is 0.21.

In some cases, it makes sense to use one of the comprehensive programs of the insurer.

For example, the company offers a plan "Brownie-Preferential", costing 3,000 rubles per year on the following conditions:

• insurance object - an apartment with an area of ​​no more than 100 sq. m. Sum insured - 1,500,000 rubles;
• interior decoration - the amount of coverage will be 300,000 rubles;
• movable property, including furniture and household appliances - the liability limit is 300,000 rubles;
• civil liability - up to 300,000 rubles.

The offer is relevant for the entire territory of the country, except for Moscow and the capital region, as well as St. Petersburg and the Leningrad region.

Advantages:

• if the owner of the home bought a CASCO in Reso-Garantia, then the real estate insurance policy will cost 15% less;
• when the policy is extended in the absence of insurance payments in the past, a reduction coefficient is applied;
• the insurance premium can be paid in installments according to the schedule specified in the contract.

Flaws:

• Reso-Garantia reserves the right to apply a multiplying coefficient ranging from 1.01 to 20, which can lead to a significant increase in the cost of the policy.

Summary

The borrower is not required to enter into an insurance contract with the same insurance company every year. The situation on the market, especially taking into account the duration of the mortgage agreement, may change, and the homeowner has the right to change his partner if he managed to find where to insure the apartment on the Sberbank mortgage at a cheaper rate.

However, do not forget about the reliability of the insurer. This factor is determined, in addition to the very fact of accreditation with Sberbank, by the reviews of other clients who have an insured event.

In terms of the cost of a mortgage insurance policy, the rating of insurance companies is as follows:

• 0.013-0.5129 - Zetta Insurance;
• 0.1-0.5 - VSC;
• 0.21 - "Reso-Guarantee".
• 4. 0.25 - Sberbank Insurance;
• 5. 0.6-1 - Ingosstrakh.

The base rates given here are indicative only.

How much exactly you need to pay in each specific case should be clarified directly with insurance agents, because even the results of calculations of online calculators of insurers give only approximate figures.

There is a question that worries potential borrowers, is life insurance required for a mortgage in Sberbank in 2019? After all, such a clause is spelled out in a loan agreement for a mortgage with state support.

The preferential mortgage rate is valid only if the borrower is sure to insure his life and health. Otherwise, the bank has the right to increase the lending rate by 1%.

To insure or not to insure

First, let's figure it out, is it necessary to insure life at all in order to get a mortgage? After all, many banks insist on such insurance. Are their demands legal? Who needs it more: the bank or the borrower?

Personal insurance covers a whole group of risks:

• death of the borrower;
• persistent health disorder and disability;
• injuries and acute illnesses;
• partial disability.

If the borrower has difficulties in repaying the loan for one of the above reasons, the insurance company will pay off the resulting debt for him. These funds are received by the bank. But the credit institution can send part of the money to the borrower so that he can pay for the treatment, return to his workplace as soon as possible and resume payments.

Thus, insurance for the lender reduces the risk of non-payment of the debt. And the borrower guarantees that in the event of unfavorable circumstances, the burden of repaying the loan will not fall on his loved ones. And even in case of loss of health or temporary loss of work, he will be able to pay off part of the debt with the help of insurance. Considering that the loan is given for a period of up to 30 years, the occurrence of an insured event does not seem to be something absolutely impossible.

What they say in Sberbank

At Sberbank managers also sometimes insist that life insurance is compulsory with a mortgage... But borrowers are often not worried about the question itself, to insure or not to insure life. Indeed, in recent years, personal insurance is no longer perceived as something completely unnecessary. Moreover, when it makes it possible to obtain favorable conditions for a mortgage loan and reduce the loan rate.

Conflicts arise when Sberbank employees do not just impose life insurance, but insist that the policy be issued exactly at Sberbank Life Insurance. And her annual rates are not the lowest:

• borrower's life and health insurance - 1,99% ;
• life and health insurance in connection with involuntary loss of work - 2,99% ;
• life and health insurance with an independent choice of parameters - 2,5% .

Interest is calculated from the sum insured, and it is equal to the size of the loan. And the recipient of the loan will face significant payments.

How to behave correctly with bank managers

The borrower has the right to insure his life and health in any insurance company accredited by Sberbank. This norm is spelled out as a separate clause in the loan agreement.

There are four such companies, in addition to Sberbank Insurance:

• LLC IC VTB Insurance;
• JSC "VSK";
• LLC ISK Euro-Policy;
• OJSC "SOGAZ".

Their rates are usually lower than the rates in Sberbank Insurance. But, despite the law, Sberbank managers sometimes insist on getting a policy in their insurance company. It is difficult to say what drives them: the usual incompetence or the desire to make money on additional services. Unfortunately, such precedents do happen. In this case, the potential borrower needs to refer to the website of Sberbank of Russia. It says that you can insure health and life in any insurance company that meets the requirements of this credit institution.

If this does not help, then it is necessary to demand from the bank employees a written refusal to issue a loan with a mandatory indication of the motive. As a rule, such a step is enough to remove all objections of managers and begin to conduct a constructive dialogue. Otherwise, you need to contact the management of Sberbank directly or appeal against the unlawful refusal to issue a loan in court.

Video: About Mortgage Insurance

Summarize

When you take a loan for housing in Sberbank, it is not necessary to conclude a personal insurance contract. You have the right to refuse insurance. No law provides for its indispensable presence.

There are positive and negative sides to voluntary health and life insurance when obtaining a mortgage loan. The biggest disadvantage is the total amount of insurance payments under the contract. Considering that premiums have to be paid annually, the cost of life insurance with a mortgage in Sberbank is tangible, credit programs are designed for 30 years, an impressive overpayment is obtained.

But if you take into account that Sberbank, in the absence of insurance, increases the loan rate by 1%, then there is a reason to insure. It is not necessary to do this at Sberbank Insurance. It is reasonable to look for more favorable conditions from other insurers accredited in this credit institution.

Read also:

11 Comments

11/05/2016 the borrower died in the production of 2 million rubles ... since 2007, half of the amount has been paid ... wife (38 years old) does not work and two small children (3 and 10 years old) are not able to pay another 1 million ... for which hopefully what to do? the family found only VTB's insurance policy for fear of property ... agreement No. 26740 also contains no lines about the insurance policy for fear of life ... How to go to the President? my tel. 925-185-36-41

Good afternoon! Please tell me what to do if an employee of Sberbank, when applying for a mortgage loan, forces us to insure with them, and we want another insurance company, to which the employee says go insure, but refuses to provide the number of the credit agreement for the insurance company?

• Make insurance in accredited companies! Much cheaper, they will scare you - don't get fooled. You can refuse electronic registration and you can also refuse to open an account, which costs 2000 rubles, they rip off common people like sticky bastards!

An important condition for a happy life is peace of mind for the safety of residential property. And in the case of buying a home on a mortgage loan, even more so. The borrower needs confidence in the future and the absence of risks. Sberbank offers mortgage insurance for its clients on favorable terms. Let us examine some of the questions of clients on concluding a contract, and how much does insurance cost in a savings bank for a mortgage.

Benefits and features of the service

It is primarily beneficial to insure mortgaged real estate in Sberbank for those who took out a loan for housing in the same bank. Taking out insurance simultaneously with the conclusion of a mortgage agreement reduces the annual interest on the loan by 1%. As the balance of debt decreases, the cost of the policy decreases. Insurance is issued as soon as possible directly at the bank or by placing an application on the website.

Sberbank does not prevent the registration of mortgage insurance with another bank, but then the interest rates on the loan will be increased by 0.25% of the initial rates.

What is insured

Sberbank offers insurance packages covering real estate, property rights, as well as the health and life of the borrower.

The housing policy includes insurance of the building's structural elements - windows, doors, load-bearing and non-load-bearing walls, partitions and ceilings. In the case of insuring a private residential building, the foundation and the roof are also subject to protection. The list of risks when insuring a mortgage from Sberbank includes:

1. illegal actions of third parties;
2. natural disasters;
3. damage or loss of housing due to fire, gas explosion or lightning strike;
4. falling trees or any large objects;
5. detection of structural defects in the insured property;
6. flooding with water;
7. collision of a vehicle;
8. other negative impacts.

Life insurance with a mortgage in Sberbank in 2017 includes:

• disability resulting from a serious long-term illness, disability, unsuccessful surgery;
• death of the borrower - in this case, relatives are exempted from mortgage payments;
• loss of work in the event of bankruptcy or liquidation of the company, the staff of which was the borrower.

How to get insurance

If the document is drawn up directly at the Sberbank office, the client receives it in his hands immediately after payment. Obtaining mortgage insurance at Sberbank online is the most convenient way to obtain a policy. Submission of an application for insurance is made according to the form on the website. The electronic application must indicate:

• type of housing (house, apartment);
• list of risks;
• contract time;
• year of construction of a residential building, the presence of wood in the floors;
• sum insured based on the results of an independent assessment;
• number of the mortgage loan agreement;
• the personal data of the policyholder;
• contacts of the policyholder;
• the address of the property.

The price for a year of insurance can be as little as 4-5 thousand rubles, it all depends on the balance of the mortgage loan debt at Sberbank. For an accurate calculation of the cost of insurance, use the calculator at https://online.sberbankins.ru/store/mort/index.html#/viewCalc

When registering online, payment is due immediately. Then you need to wait for an SMS notification that the application has been accepted and the policy has been generated in your personal account. The bank sends the original document by the Russian Post by registered mail to the location of the insured residential facility. Delivery is carried out on average in 1.5-2 weeks. If it is not possible to pick up the envelope with the policy due to the remoteness of the post office, you should provide the bank with your personal data and the address to which you need to send the letter a second time.

Information about issuing a policy with insurance is transmitted automatically to Sberbank.

Calculation of the cost of the insurance policy

This happens automatically when placing an application on the site. However, the exact price of the service is set when signing a loan agreement for housing. An electronic policy format is also available with all the information the client needs. Registration takes place on the website of LLC IC "Sberbank Insurance"

The calculation shows that the premiums are combined with the monthly mortgage payments. That is, if the annual mortgage rate is 12%, then together with insurance it will increase to 12.5-13%. The full amount of the loan is indicated in the repayment schedule, but you will have to add the amount of insurance premiums to these values.

For example, the interest rate on a loan together with insurance payments is 13%. This means that about 1% falls on the payment of the insurance policy. If the client refuses to take out insurance at Sberbank and chooses another institution, the rate rises to 13.25%. But, if a third-party bank offers insurance on more favorable terms, covering the percentage premium of Sberbank for canceling the service, it makes sense to get insurance there.

About the need for insurance

The law states that voluntary insurance is not required. But the conclusion of a mortgage agreement implies the simultaneous registration of insurance.

This is due to the fact that the rules for obtaining insurance when obtaining ownership of a dwelling are regulated by separate laws on mortgages. Home insurance is thus pledged and must be issued without fail. Therefore, to the question of whether mortgage insurance is mandatory in Sberbank, an affirmative answer should be given. Another thing is that the client can choose an insurance company for a home loan at Sberbank at his own discretion. But it will be unprofitable, as the bank will raise the annual interest rate. In addition, it is necessary to check that the selected organization is included in the list of accredited by Sberbank, otherwise the bank will not accept the document.

Mortgage insurance from Sberbank really allows you not to worry about the safety of your home. Therefore, it is advisable to draw up it for those who received a mortgage loan from the same large and reliable bank.

There is no one company in which it would be equally cheap to insure everything, everything. Everywhere has its own approach to risk assessment and tariff policy. Therefore, the advice of friends or forums that somewhere you managed to get insurance profitably will not always be useful for you. You can find the best option only by requesting a calculation from all accredited insurers. Take advantage.

1. Do not agree to issue a policy at the bank itself

The first obstacle on the way to cheap home insurance awaits the borrower already in the bank in the person of the credit manager, who persistently persuades him to issue a policy right there in his own place in his own company called Sberbank Insurance. Naturally, both the bank itself and the employee are strongly interested in convincing the client of this. More details on why you can read the link. As a result, honest and not entirely honest methods of persuasion are used. And it must be admitted that a huge number of borrowers succumb to these persuasions. And this is despite the fact that their mortgage insurance is much more expensive than that of other insurers.

Therefore, the only way out is to politely but firmly refuse the "do-everything-fast-but-expensive" option and look for a profitable offer on your own, studying the offers of all insurers from the list of admitted partners.

There are insurance companies that are deprived of accreditation with Sberbank, but "forget" to inform policyholders about it or assure that everything will be fine. It won't be normal. The law allows the bank not to accept policies from companies that do not have accreditation. In particular, at the moment the following well-known insurers are not partners: Rosgosstrakh, Soglasie, Uralsib, Renaissance, Spasskiye Vorota, MAKS.

It should be noted that studying options from all companies on the list takes a lot of time. At the same time, due to the human factor, it is not always possible to get the correct current policy amount. Below we publish the results of our research on the mortgage property insurance market. Double (for control) calls were made, and the results of the calculations did not always coincide in both cases. The calls themselves took about 5 hours.

You can calculate in the online calculator. The calculation is made instantly, without SMS and registrations. All tariffs are valid.

2. Programs "Transition"

To renew the policy for the second and subsequent year of lending, you can safely change the insurer. Some companies may offer an additional 5-10% discount for switching to them upon presentation of the old contract.