The best and most demanded choice of bank clients when purchasing real estate is a mortgage loan. Both individuals can use a mortgage to buy a home, and legal entities - to organize an office or other facilities. Large money turnover in this area creates high competition among banks, which contributes to the emergence of many competitive proposals.

Mortgage "Young family" Sberbank, conditions of 2019 - a demanded proposal from the largest state bank in Russia, which has a large credit wallet. The tariff was developed in accordance with the current state program to improve financial and housing conditions for citizens. Not every family can take advantage of this offer. In this material, we will consider in detail the requirements of the mortgage, the conditions, the established interest rate and the features of working with Sberbank.

Mortgages have a similar principle to conventional lending, but instead of the usual guarantors, the property of the borrower or co-borrowers is used as insurance for guaranteed payments. This offer applies exclusively to secondary housing - real estate for living, which has previously received the right to ownership. Secondary housing should not be confused with old houses and plots, this category may also include a new building with pre-purchased apartments, which makes them automatically secondary. It is worth understanding this issue before starting the collection of documents and registration of a mortgage, so as not to confuse anything.

The "Young Family" tariff is available for use exclusively by individuals. It is subject to the basic conditions for obtaining a mortgage loan, with some changes in several points. An individual must:

• be between the ages of 21 and 35;
• to be officially married, the "Young Family" offers are available for a family where one of its members has not reached the age of 35. The option is relevant for an incomplete family with one or more children, in which the parent is not older than 35;
• a certificate of the main and additional sources of income, for guaranteed obtaining a mortgage and increasing its limit, it is recommended to find a co-borrower who is also required to provide a full package of documents;
• work books and agreements, which can prove that you have worked for more than 3 years over the past five years and have been in your current workplace for more than 6 months.

These documents must be together with the submitted application, after which the qualified specialists of Sberbank will preliminarily calculate the maximum amount of lending.

Mortgage "Young family" in Sberbank: conditions for obtaining without a down payment in 2017

The mortgage offer "Young Family" from the largest state bank of Russia has been fulfilled in accordance with the bill on improving the quality of life of the population and offers additional benefits. This policy has attracted many clients, which makes such a mortgage not only in demand, but also profitable for the bank. The terms of mortgage lending changed in 2019, it is recommended to re-examine the requirements and offers.

As already mentioned in the previous paragraph, only individuals with a permanent residence permit in Russia who have provided the necessary package of documents can use the "Young Family" service.

The bank pays special attention to the age of the borrower, he must be at least 21 and not more than 35 years old. The marriage must be documented, however, a loan can also be issued to disabled single parent families that meet the above requirements.

For disabled families, it is recommended to get a co-borrower, in the role of which your relative or acquaintance can act. The co-borrower must also submit a full package of documents and consent to use his property as collateral. This increases the chance of getting a positive response from the credit operator.

Unlike a savings account, you can apply for a mortgage only at the nearest Sberbank service office, where this service is available. A complete list of such branches can be found on the official website or by calling the toll-free support number.

The terms of the family proposal from Sberbank stand out for the better from their direct private and state competitors. Mortgage for a young family in 2019, the state program of Sberbank offers:

1. variable interest depending on the amount of the first installment. If you deposit 20-30%, you will pay 13%, 30-50% - 12.7%, above 50% - 12.5%. This offer is especially beneficial if you are able to make a large initial payment on the loan proposal;
2. you can lower the above percentage by 0.5% if one of the spouses has a Sberbank debit card. The minimum payment can be up to 12%;
3. There are also penalties that Sberbank can impose: if you do not open an insurance policy that meets the requirements, 1% will be added to the interest rate. If some of your monthly income is not available to be verified, you can still take out a mortgage, but an additional 1% will be added to the final percentage.
4. you do not have to prove your income and employment for one year. Also, during this period, you can not fulfill the initial payment, this period is intended for the improvement of your new home;
5. the maximum term of a mortgage loan under the Young Family program is 30 years;
6. the active status of your mortgage, the balance of funds, the number of payments and the receipt of a full statement are available in the Sberbank Online personal account, which can be connected separately. Check this question separately with the Sberbank operator when placing your offer.

Reduced requirements, variability of the base interest, additional services and the ability to postpone the initial payment are an excellent requirement for families who have just started a joint journey and need an urgent purchase of a home. Sberbank uses the latest technical and software developments in its work, which has made it possible to reduce to a minimum the time for processing each request.

Having received a mortgage, you not only become the owner of the property that came at the disposal of your family, but you can also repay the loan ahead of schedule, which will reduce the interest paid.

Sberbank customers have the ability to set up automatic debiting of funds for a mortgage from a debit card, which frees them from having to go to a Sberbank branch every month.

"Young family" in Sberbank: mortgage calculator

A special online calculator allows you to quickly calculate the maximum amount of your loan and determine the amount of the down payment and monthly payments. The solution has been revised several times, now, in 2019, this calculator is a unique banking computing tool with a connection to the database, which allows you to automatically receive up-to-date information on the terms of the loan and enter them into the appropriate cells. Manual configuration is also not done anywhere - you can control the settings of the virtual computing service in detail.

Sberbank is not standing still and is rapidly developing its own services, increasing user demand for them. High quality service, favorable tariff plans and the availability of official branches of the bank throughout Russia make Sberbank the best offer today. Follow the official updates by connecting the advertising mailing list by e-mail.

The terms of the mortgage differ significantly depending on whether you need a loan for secondary housing, for a new building, for the construction of a private house or just for a piece of land. The bank offers potential borrowers the following options for obtaining a mortgage loan:

Sberbank mortgage calculator will help to calculate the amount of mortgage deductions for 2019, weigh the chances of early repayment. If you are a young family, then the mortgage issue is already worrying you. Mortgages require a serious, thoughtful approach. And always accurate calculation. Our mortgage loan calculator is very user-friendly: available online, visual and free. Spend half an hour on the calculation that will correctly line up your expenses for several years to come.

Sberbank mortgage calculator for the program - Young family

Sberbank only has an annuity type of payment. It means monthly payments on a loan of an equal amount. The peculiarity of this condition is that in the first years of loan repayment, most of the payments go to repay interest, and less to close the principal debt. As the contract expires, the advantage changes in the opposite direction: the main part of the payment covers the debt, and the remaining interest on it.

Now you need to indicate the desired loan term, taking into account the maximum period - 30 years. When choosing a term, the calculator assumes the possibility of choosing the required number of years with an accuracy of a specific month. For example, 5 years 6 months or 8 years 3 months. Of course, you can also indicate this: 10 years, 4 years, etc.

It is carried out according to a statement containing the date of early repayment, the amount and the account from which the funds will be transferred. The date of early repayment indicated in the application must fall exclusively on a working day.
The minimum amount of an early repaid loan is unlimited.
There is no early repayment fee.

* The loan repayment period fully falls on the working age or retirement age of the borrower / each of the solvent co-borrowers. If the loan is provided without proof of income and employment, the age at the time of loan repayment is limited to 65 years.

Sberbank mortgage calculator 2019

Mortgage - a type of lending is designed for a long term and is provided on the security of property. It is a long-term subsidy for the purchase of an apartment, house, building plot. At the same time, you can use the service for buildings under construction, primary and secondary housing. The risk lies in the long-term nature of the transaction, but the monthly payments are usually equal to or less than the rental amount.

The program calculates all the necessary data online. To get the result, you need to keep only a few basic indicators, choosing the interest rate, the period (the amount of the monthly payment and the final overpayment depends on it) and the amount of the advance (the higher the initial payment, the less you will need to pay monthly).

Mortgage calculator sberbank calculate a young family moscow

1. Payment of state fees for registration of the transfer of ownership
2. Issuance of an enhanced qualified signature for all parties to the transaction
3. Sending documents electronically to Rosreestr
4. Interaction with Rosreestr and registration control
5. Support of the transaction by a personal manager

The service of transferring documents for state registration to Rosreestr in electronic form is provided by the Real Estate Center from Sberbank Limited Liability Company (PSRN 1157746652150, address: 121170, Moscow, Kutuzovsky prospect, 32, building 1, www.domclick. ru), part of the Sberbank Group of Companies. The service is provided at the Sberbank Mortgage Lending Center. PJSC Sberbank (General license of the Bank of Russia for banking operations No. 1481 dated August 11, 2015) acts as an agent of TsNS LLC on the basis of an agreement.

Mortgage for a young family: conditions for 2019, Sberbank calculator, state program

The best solution for new spouses to purchase their own home will be the "Young Family" mortgage from Sberbank, the conditions of 2019 have become even more tempting. The program offers preferential loan terms for people who are legally married and have a child. And also single-parent families in which one of the parents is absent can take advantage of this offer. What are the requirements for a mortgage loan for married couples, interest rates and other nuances of the program? What is a state program and how to use it? More about all this.

Since childless spouses are to be replenished as well, a delay is provided for them until the child reaches 3 years of age. This is designed to reduce the burden on the family budget during the period when the mother is on parental leave. During this period of time, the client will only be required to pay interest on the mortgage loan, without paying off the principal debt. Such a decision is based on the conditions of state support, which is a participant in the formation of the current proposal.

Sberbank mortgage calculator 2019 secondary housing for a young family

A mortgage for a young family in Sberbank in 2019, according to the state program, is issued to families with two or more children in the amount of no more than 3 million rubles (in Moscow, St. Petersburg and their regions - no more than 8 million) at 6% for three years who have two children, after the birth of the third child - 5 years old, after that - at 9.5% per annum with an initial payment equal to 20% of the cost of the object.

Young families are interested in the issue of providing mortgages in 2019 at Sberbank. The bank has developed special conditions for young families within the framework of the state program in effect until 2023. It is in Sberbank that the most attractive interest rates are offered, and for the convenience of calculation, the "Sberbank mortgage calculator 2019 secondary housing for a young family" was developed.

Sberbank conditions for a young family in 2019: calculator

• the rate has been lowered and ranges from 10.75%,
• validity period of the contract - up to 30 years,
• first installment - from 10% of the cost of the apartment under the condition of using the Maternity capital and from 20% for other cases,
• you can choose housing both in a building under construction and in an already finished house.

• The age of at least one of the spouses is no more than 35 years old;
• Russian citizenship;
• Availability of temporary or permanent registration. In the first case, the loan is issued for the period of registration;
• Age from 21 years old, at the time of loan repayment - no more than 75 years;
• Total work experience from 1 year, in the last place of employment - from 6 months;
• You can attract no more than 3 co-borrowers to increase income.

Mortgage for a young family in 2019: Sberbank state program

Sberbank is famous not only for its favorable tariff offers, but also for its individual approach to each category of citizens. The work of our own analytical center allows you to track current trends and innovations in banking, which allows you to profitably use the information received for your own purposes. Considering the offer of a mortgage for a young family in 2019, the state program of Sberbank is one of the most profitable offers on the banking market.

The established annual percentage depends on the specific offer. Sberbank has a number of agreements with developers, purchasing property of which the buyer receives a significant discount. Other options allow you to extend the duration of such lending.

Mortgage Calculator - Young Family

It is important for users to take into account that the mortgage calculation “ Young family»Online is only approximate. All loan calculators have a certain margin of error, so the results will differ slightly from the terms of the agreement. To find out the exact numbers, you can contact banking specialists.

The calculation procedure is determined by the functionality of the mortgage calculator. Each bank develops this service taking into account the peculiarities of its programs, which allows it to provide for all the nuances of providing a loan and get the most reliable results. The functionality may provide for the calculation of some additional data, which allows the borrower to find out the most complete information about the loan.

In the article, we will consider the conditions of a mortgage for a young family in Sberbank. Let's figure out how to calculate the maximum amount on the calculator and submit an online application. We have prepared rates for mortgage programs for you and collected feedback from Sberbank clients.

Conditions for obtaining a mortgage for a young family in Sberbank

In 2018, Sberbank is helping young families to buy housing, offering special conditions for mortgages. You can get a loan without a down payment or pay it with parent capital. And for newlyweds without children, the minimum down payment is 15%.

With a mortgage, you can buy an apartment, townhouse, cottage, garage or build a house. The term of the preferential mortgage reaches 30 years.

There is no commission for issuing a loan. The acquired or existing real estate acts as a pledge on it. It must be insured against the risks of destruction or loss. carried out on a voluntary basis, but if you cancel it, the rate increases by 1%.

Programs and interest rates

As part of the campaign for young families, the base rate on mortgages for secondary housing has been reduced to 8.6%. It will be valid when buying an apartment through the DomClick website, taking out life insurance and having a Sberbank salary card. And when a second or third child is born in a family, you can use the state program and get a mortgage at a rate of 6%.

Mortgage calculator for a young family

Using the mortgage calculator on the Sberbank website, you can calculate the rate and size of the monthly mortgage payment, as well as the minimum required family income.

To carry out the calculation, you must select a lending program and indicate:

• the cost of the acquired property;
• the size of the first installment;
• desired loan term;

Example... A young family buys an apartment on a 7-year mortgage through the DomClick.ru website for 3 million rubles. with a first installment of 1 million rubles. The monthly installment on a loan when taking out life insurance and having a salary card from Sberbank will be 31,774 rubles. The application can be approved, provided that the family income exceeds 45,391 rubles.

How to apply online for a mortgage at Sberbank

An application for a residential mortgage can be sent from the bank's official website through the DomClick service. First you need to enter your full name, date of birth, phone number and email, and after confirming your phone number, you can enter your personal account - Sberbank Online.

After entering the office, you will need to fill out a questionnaire. It must contain the following information:

• FULL NAME.;
• date of birth;
• passport data;
• information about the place of work and the amount of income;
• registration and actual residence address;
• card or account number with Sberbank (if any);
• information about education, marital status, etc.

Before sending the questionnaire, you need to upload copies of all pages of your passport, income statement and work record book to the site.

How to get a mortgage

Sberbank makes a decision on the application within 8 working days. It will be valid for 3 months. During this time, you need to choose an apartment and evaluate it from an independent expert.

If the bank approves the purchase of real estate, then you can negotiate with the seller and conclude a deal. It must be registered with Rosreestr.

Sberbank offers a service for electronic registration of real estate transactions, thanks to which you do not need to submit documents to the MFC or Rosreestr. All registration work is undertaken by a bank employee, and after its completion, you will receive an extract from the USRN and an electronic purchase and sale agreement.

Borrower requirements

A mortgage in Sberbank can be obtained by citizens of the Russian Federation older than registered in any locality of the country. The maximum age at the end of the contract is 75 years. The minimum length of service in the current position is six months, and the total for the last 5 years is 1 year.

Comment... The category of young families includes families where at least one of the spouses has not yet turned 35 years old.

Required documents for a young family

Sberbank makes a mortgage decision based on documents and data from the questionnaire. To obtain a mortgage, you will need a passport, a 2-NDFL certificate and a certified copy of the work book.

It is allowed to issue a mortgage according to a passport and a second document (SNILS, driver's license, etc.). In this case, the minimum down payment will be 50%, and the loan rate will be 1% higher.

Sberbank of Russia has a special offer (promotion) for young families in which at least one of the spouses (or the only parent in an incomplete family with one child or several children) has not reached age 35 on the day of applying to the bank for a mortgage loan. Such a family can get a loan from Sberbank on preferential terms for the purchase of housing under construction or finished.

The essence of the benefit is reduced interest ( from 10.75% per annum as of 12/30/2016) and a uniform interest rate for the period before and after registration with the Rosreestr of a mortgage (pledge) on purchased housing, which is especially important when buying an apartment in a new building under an equity participation agreement. A large family with three or more children can count on the lowest rate if the borrower receives wages on a salary account (bank card) opened with Sberbank.

To get a loan for housing, parents need have their own funds for a down payment of not less than 20% from the cost of the purchased dwelling. The rest of the funds are issued by the bank on credit for a period from 1 to 30 years(the shorter this period, the lower the interest rate and overpayment and the higher the monthly payment).

Terms of the action for young families at Sberbank

Sberbank's special offer for young families does not provide for any partial reimbursement of money (subsidy) from the state, although its name is consonant with the federal program "Affordable housing for a young family".

The terms of these similar programs differ in the following:

• If the state program assumes that the state will pay for the borrower according to the certificate up to 30% of the cost of the purchased apartment (35% for families with children), then the cases of Sberbank do not provide for state subsidies. The entire amount will be paid by the recipient of the loan - albeit on preferential terms.
• The proposal from Sberbank does not require registration as those in need of better housing conditions, while for the state program this is one of the main requirements.

Let us remind you that families whose area of ​​available housing per person exceeds accounting rate(set by the regional authorities independently, usually 18 m 2), and therefore they cannot be registered with local governments as needing better housing... And even getting into the queue as a participant in the state program does not guarantee receiving a subsidy from the state due to limited funding: annually no more than 10% of participants receive certificates in the amount of 30% or 35% of the cost of housing, calculated based on the quarterly approved by the Ministry of Construction average market value one square meter of living space in all regions of the country.

However, if a young family for some reason failed to get into the state program "Provision of housing for young families", then thanks to preferential lending rates within the framework of the corresponding special offer from Sberbank, they will be able to save on the purchase of housing on a mortgage from their own funds.

Moreover, for both programs the concept of "young family»Matches. It assumes that at least one of the spouses (or a single parent in an incomplete family with a child or several children) must be not older than 35 years old at the time of applying for a loan or for inclusion in the state program participants.

Mortgage loans for a young family in Sberbank

The applicant can apply for a loan for the purchase of finished and under construction housing - a house or apartment in the city or outside of it. Lending is carried out for two standard loan products of Sberbank:

• "Acquisition of housing under construction"- provides for the purchase of residential premises (apartments) in a new building from a legal entity;
• "Purchase of finished housing"- involves the purchase of an apartment or house on the secondary market, including from individuals.

The conditions from Sberbank in 2016 for a young family for both programs are very similar: documents, the procedure for obtaining a loan, interest and requirements for the borrower.

Conditions for young families are somewhat different from the conditions for other bank clients who purchase housing on a mortgage, in a more favorable direction. However, for a loan already drawn up in Sberbank, the change of conditions is not expected. That is, if the borrower has issued a mortgage according to the basic conditions of one of the programs, he cannot in the future lower interest within the framework of special. promotions for a young family.

Registration procedure and requirements for the applicant

Before applying for a loan from Sberbank, future borrowers should familiarize themselves with the terms of the program and the requirements for the applicant. Now the bank's mortgage programs offer calculations only in rubles... Other important conditions:

• Low interest rates from 10.75% per annum.
• The allowed age of the borrower within the framework of the promotion is from 21 to 35 years old.
• Loan amount from 300,000 rubles. up to RUB 15,000,000 for a period from 1 to 30 years.
• The down payment must be 20% and more(unfortunately, the bank does not provide a mortgage without a down payment for a young family).
• Loan repayment according to the rules annuity(in equal amounts monthly).
• No fines for early deposit of money and commissions for registration.
• The applicant's work experience at the last job must exceed 6 months.

The loan amount will directly depend on the official income of the borrower and co-borrowers (among the latter the spouse must be included of the one who draws up the loan). The higher the down payment made when receiving a loan, the lower the bank's risks and the more modest the interest rates.

As in all other cases, serious loans are issued by any bank against the security of the borrower fulfilling his obligations under the loan agreement. The role of such support is mortgage of real estate (mortgage) for the purchased apartment or house or any other housing already owned by the borrower.

The encumbrance in the form of a mortgage is removed from the family only after the loan is fully repaid. Thus, it will be possible to fully dispose of the purchased housing only after the fulfillment of all obligations stipulated in the loan agreement to the bank. Until that moment, an encumbrance is imposed on housing with the wording "Mortgage by virtue of law".

Interest rates on loans for young families

Since Sberbank positions the concessional lending program for a young family as a social project, interest rates will depend on the presence and number of children in the family borrower. The lowest interest for using the loan will be paid by large families with 3 children or more. Also, more favorable conditions will be received by a borrower who receives a salary through Sberbank: in addition to reducing the interest rate by another 0.5%, he you will not need to bring a certificate about your income when applying for a loan.

Interest when registering a mortgage for a young family(as of 30.12.2016)

Note: the interest rates in the table are for families without children or with 1 or 2 children (in brackets - reduced percentages for large families).

A young childless family or parents with one child will also be additionally counted in addition to the above percentages:

• + 0.5% per annum - for applicants who do not receive salaries through Sberbank;
• + 1.0% - if the borrower refuses to insure life and health for the period of loan repayment.

Also, additional interest is calculated if the applicant wishes to obtain a mortgage on 2 documents. After a positive decision on the loan application, the solvency will still have to be somehow confirmed, and the increased interest rates make special conditions for young families meaningless. Therefore, it makes sense to provide the bank with data on income in advance by the time of application.

The above conditions are a promotion for young families from Sberbank, interest rates on which may be revised several times a year if the key rate is changed by the Central Bank. To calculate the repayment schedule, the amount of the monthly payment and the total amount of the overpayment, you can use the mortgage calculator on the official website of Sberbank.

How to take a mortgage for a young family at Sberbank

Before submitting a loan application, the applicant must collect the necessary documents and make sure that he fully understands the conditions for issuing and repaying the loan. If you have any questions, you can call the Sberbank hotline or contact a consultant at the department where you plan to draw up a loan agreement.

• Fill out an application form at the bank branch at the place of residence, location of the loaned property or accreditation of the employing company.
• Wait for the decision to grant a loan in the required amount (usually, the consideration of an application takes only 2-5 days).
• Collect a package of documents for the real estate object, which will be issued in a mortgage, and submit it to the bank.
• Sign a loan agreement with the bank and open an account to transfer money to the seller.
• Make a deal with the seller and register the rights to a residential property in Rosreestr.
• Sign with the bank and register a mortgage (mortgage) agreement, insure the pledged object.
• To become the owner of a residential property encumbered with a mortgage until the loan is fully repaid.

If you wish to deposit a certain amount of money ahead of schedule or fully repay the loan, the borrower needs to write a corresponding application. After repayment of the loan, the borrower will need to withdraw the property from the collateral (remove the encumbrance) in the Unified State Register of Rights to Real Estate and issue a new certificate of ownership (extract from the Unified State Register) without a mark on the encumbrance of housing with a mortgage.

What documents are needed

Documents can be conditionally divided into two parts - those that are submitted with the application for a loan and those that can be provided later. To get a positive decision according to the application, you need to collect the following package:

• application of the borrower and co-borrowers (there can be up to 3 people, the spouse must necessarily act as a co-borrower within the framework of the action for a young family);
• copies of the passport of the applicant and his co-borrowers, with marks of registration at the place of residence (in the absence of a permanent residence permit, confirmation of temporary registration is required);
• confirmation of employment and financial security of all listed persons (certificate of salary in the form of 2-NDFL and other documents from the place of work - usually valid 30 days after issue);
• marriage certificate (if the application is not submitted by a single parent);
• birth certificate of a child (children);
• documents confirming the relationship of the borrower and co-borrowers (if the latter's income is taken into account when determining the loan amount).

After the approval of the application the borrower must provide:

• papers for residential premises for the purchase of which a loan is issued;
• confirmation that the applicant has money for the first installment;
• if the mortgage is issued for the existing housing - documents on the rights to the existing real estate.

The bank can supplement the proposed list of documents depending on the individual situation.

Conclusion

Young families are a category of the population that most often needs to improve their living conditions. Often for young people, several tasks coincide in time: the desire to look for themselves in work, the desire to give birth and raise a child, the need to acquire housing. Sberbank has developed a special program that will help to solve the last problem with the least loss.

This mortgage program of Sberbank offers more favorable conditions than for other home buyers. The benefit may be lower interest rates and a reduced down payment. This is important, because often the budget for young families is quite limited.

To keep a young family firmly afloat, it needs its own housing. Not everyone has the opportunity to save up and buy real estate without loans. Today, a loan is an affordable and real way to quickly acquire an apartment or a whole house. Interesting conditions are offered by Sberbank of Russia. Mortgage "Young family" from Sberbank: conditions and calculation calculator - how to get a loan, what is needed for this?

The essence of the Sberbank proposal

The main "trick" of a mortgage loan for young spouses from Sberbank is the reduced interest rate on the loan. There is also a unique opportunity to attract mom and dad as co-borrowers and go on "tax holidays" if a baby has appeared in the family.

The down payment depends on whether there are children in the community unit:

• 20 percent of the total price of the apartment is paid by the spouses without the kids;
• 15 percent are cells of society with minor offspring (the number of offspring does not matter).

Please note: the larger the down payment and the shorter the maturity, the lower the interest rate.

To understand what interest on a loan to expect, use the table below.

Each case is considered individually. To calculate interest, you need the terms of the "Young Family" mortgage calculator from Sberbank. So, for example, if a family pays 20 percent for an apartment and takes out a loan for 9 years, then the interest rate will be 13%.

Additional bonuses

Why is it so beneficial to take advantage of the offer? There are a number of reasons for this:

• Postponement ("tax holidays") at the birth of children;
• There is no commission for the fact that the loan was repaid ahead of schedule;
• In case of delay, a minimum fine is assigned - only half a percent of the outstanding payment per day;
• For holders of salary cards of Sberbank, loan rates have been reduced.

Please note: if a child has appeared in the family, then until his third birthday, the parents are allowed not to pay on the loan (only interest is not paid, the main debt must be repaid on time). The conditions are valid throughout Russia (including the mortgage "Young family" from Sberbank in Nizhny Novgorod).

Newly made cells of society have the right to apply for subsidies under the state program that helps young spouses to acquire their own housing. This is not done by Sberbank, but by the Department of Housing Policy of the administration of a particular settlement. It is there that it is required to provide a certain package of documents in order to obtain the status of those who need to improve living conditions (details are in the Federal Target Program "Zhilishche" 2015-2020).

If the application is approved, then citizens will receive 30 percent of the cost of housing in the form of subsidies, plus another 5 percent for each child - the amount is significant.

The Savings Bank also accepts maternity capital as payment for the loan. It is better to find out all the details from the staff of the institution.

Who is applying for "young" mortgage support

Any unit of society is actually entitled to become participants in the mortgage program of a financial organization. The main thing is to meet the specified requirements:

• Both spouses are Russian citizens;
• The age of a husband or wife is not more than 35 years old, but more than 21 years old;
• A certain level of income;
• Mandatory participation in the state program;
• Down payment - at least 15 percent of the cost of an apartment or house.

An incomplete family in which a child (children) is raised by one parent is also entitled to take mortgage support. It is important that his age falls between 21-35 years old.

Citizens are offered to buy an apartment only in a new building or in the secondary market, if the house was built no more than 15 years ago.

The main provisions of the program

Today, the mortgage conditions under the "Young Family" program from Sberbank are as follows:

• The purpose of the loan is necessarily the acquisition of a real estate object - in a new building or in the secondary market;
• The loan is provided for a maximum of 30 years;
• A mortgage is allowed to be taken only in rubles;
• The minimum loan amount is 300 thousand rubles;
• The acquired housing is pledged by the financial organization;
• Expenses range from 12.5 to 13.5 percent per annum;
• If the borrower refuses life and health insurance, the loan expense is increased by one unit;
• The application will be considered within 5 days maximum;
• Get money probably in cash, to an account, to a bank card;
• There are no hidden fees;
• The age of applicants is from 21 to 35 years old;
• To confirm income, you need to present a certificate in the form of 2-NDFL from work;
• The mortgage will be approved if the borrower's work experience is at least a year within the last 5 years;
• At the last place of work, a person must work for at least six months;
• It is important to have a residence permit or at least registration on the territory of Russia.

These conditions apply if the mortgage "Young family" is issued from Sberbank in Volgograd, and in other cities of the country.

Package of documents

In order for a mortgage in Samara for a young family from Sberbank (and any other settlement in Russia) to become available, you need to prepare a package of documents in advance. It includes:

• Application (electronically located on the website of the financial institution);
• Originals and copies of passports of borrowers, co-borrowers, guarantors;
• Documentation in the form 2-NDFL;
• Paper confirming the marriage;
• Copies of birth certificates of children.

Sometimes this list can be supplemented at the request of bank employees. All originals, after verification with copies, are returned to the owners, and do not remain with the financial institution.

Money is paid in one amount, not split up, not split into parts.

To insure funds or not? The borrower has no such choice. Insurance is a prerequisite for the provision of a loan.

How to take

To get a mortgage loan, you must strictly follow the instructions:

1.apply to the bank in person or via the Internet;

2. collect a package of required documents;

3. fill out an application;

4. get the bank's verdict. If the loan is approved, then it is necessary to prepare documents related to the property;

5. to formalize a contractual relationship with a financial institution;

6. get money;

7. buy housing.

It is important to understand that any delay is a black spot on your credit history. It is better to make payments on time, no matter how difficult it is. If there are problems between the spouses, you must immediately notify the bank of the incident. Probably, the financial organization will meet halfway: it will allow the family to go on "tax holidays", reduce the cost of credit payments, and allow the loan to be restructured. All decisions are made by the bank individually. In case of controversial issues, it is recommended to contact the court.

Loan calculator - simple and convenient

The bank made everything related to mortgage loans as clear and transparent as possible. The borrower himself can easily understand the conditions, calculate the interest rate, monthly payment. To simplify the task, a mortgage in Yekaterinburg for a young family from Sberbank (and other cities of Russia) suggests using a special calculator. There you need to enter the following data:

• Real estate price;
• Down payment;
• Loan term;
• The estimated date of receipt of the loan money;
• Spouses' income;
• Registration of an apartment or house.

Please note: all entered data is not saved, the information is strictly confidential, it will not be transferred to third parties.

Refusal to provide a mortgage

A loan may be refused. The reasons, most often, are as follows:

• The family does not need to improve living conditions;
• An incomplete package of documents has been collected;
• The housing being purchased does not meet the specified requirements;
• The family no longer belongs to the category of young;
• The income of the social unit is too low;
• The spouses have no money for the down payment.

Any problems can be solved. If the loan is refused, it is worth making corrections and trying to apply for the mortgage again.

Conclusion

A loan to a newly minted family of Sberbank is perhaps the most affordable way to buy an apartment or house. For families with children - special conditions. They are offered reduced interest rates and "credit holidays". It is important that the family has an official source of income and needs to live more spaciously.