Online application for a mortgage. Online application for a mortgage Mortgage online application in all

To select a mortgage, fill out a free application.
You will immediately receive a list with the best offers from banks. You can pick up
for myself the best option, and send an application to the bank of interest.

An online application for a mortgage is quite different from an offline application to a specific bank. However, the advantage of this type of mortgage is that you do not need to visit a lender. The application is submitted via the Internet.

Benefits of online application

• For free: free application submission
• Comfortable: Your request will be received by large Russian banks
• Time saving: The application is submitted online, no need to go to the bank.
• Profitable terms: selection of the most best offers banks.
• Fast: within a minute you will get the result.

How to apply for a mortgage loan online?

Applying for a mortgage online couldn't be easier these days. In this case, you do not need to visit a bank branch. In addition, you will be able to remotely conclude a loan agreement on the best terms. We invite you to fill out an application and receive a personal offer by mail in just a couple of minutes. To do this you will need:

• Select your city of residence.
• Fill in the fields: full name, date of birth, registration address, passport details, number mobile phone and email.
• Read the offer and submit your application for consideration.

The selection of offers will be based on the personal data you provide and information from your credit history.

What should you pay attention to when choosing a mortgage offer?

To truly choose for yourself profitable proposition When it comes to mortgage lending, it is important to consider many different points:

• Amount of annual interest rate;
• Availability of a down payment;
• The currency in which the mortgage is issued;
• Credit term.

Rosbank House offers to take a step towards purchasing real estate - submit an application for a mortgage online. Not everyone is able to afford to save the amount necessary to make a purchase of this magnitude, and the process of accumulation itself involves long term, during which a lot can change. At the same time, filing an application for a mortgage allows you to decide housing issue here and now, starting from real situation business Borrowers can visit a bank office or fill out an electronic mortgage loan application online.

Online application for a mortgage: step-by-step instructions for registration

To apply for a mortgage loan, you must enter the appropriate information in the special fields and leave a message on our website. Do not forget to give your consent to the processing of personal data. Rosbank employees will contact you within a short time to clarify details on mortgage lending.

Applying for a bank mortgage is very simple. Enter in a special form general information and contact information: last name, first name, mobile phone number where you can be contacted, region where the purchase is planned, type of property, as well as the source from which you learned about Rosbank House.

Review of online application to receive mortgage loan and pre-approval of your mortgage application is carried out by our specialists as quickly as possible after you complete it. A detailed discussion of loan terms will take place together with Rosbank Dom specialists.

Applying for a mortgage at Rosbank Dom is convenient

The main benefit of filling out a mortgage application form is the significant time savings. Communicating your intention to buy any real estate on credit online means avoiding the need to visit a bank office. In addition, you can always take advantage of the advice of Rosbank Dom specialists, who will tell you in detail how to submit an application to the bank.

Before submitting an application for a mortgage, we recommend that future clients familiarize themselves with the minimum requirements for a potential borrower (for example, age restrictions). You can obtain all the necessary information from our specialists at any time by phone or online on the Bank’s official website. Here you can calculate your mortgage loan using a special calculator that will allow you to evaluate your financial opportunities and choose the most optimal lending program. After this, you can fill out the application form.

If you have a desire to purchase a house, apartment or other real estate, then the specialists of Rosbank Dom will definitely help you in its implementation. To make sure of this, you just need to fill out and submit an online application for a mortgage loan (mortgage).

Mortgage is the most complex look lending, which involves large costs and terms. If you decide to take out a mortgage in Moscow, you should carefully consider choosing an offer from one of the banks in the capital. I will choose.Ru has selected the most profitable programs mortgage lending and collected them on one page so that you can evaluate them without wasting time searching and visiting bank branches.

Alternatively, you can apply for a mortgage online. Many Moscow banks have long offered their clients the opportunity to apply for a loan via the Internet. This greatly simplifies the process of getting a mortgage: you can get pre-approval for a loan while you are collecting Required documents.

To apply for a mortgage online, review the offers presented on the page and evaluate their benefits. We have indicated for you the minimum loan amount, term and rate, and also listed the advantages of each program.

Before you make a decision, calculate your payment schedule using our mortgage calculator. Click on the “Detailed calculation” button. On the page that opens, in the appropriate fields, enter the amount you need and the loan term. In accordance with the terms of the loan, the system will calculate a payment schedule for you, which will indicate the amount of monthly payments, divided into the principal debt and the amount of accrued interest.

To apply for a mortgage, click on the “Submit Application” button in the product card. You will be redirected to a page with a form to fill out. You will need to enter the following information:

• Personal data, passport data,
• Employment information – name of organization and Taxpayer Identification Number,
• Amount of income
• Information about credit history,
• The parameters of the desired mortgage are the loan size and term.

An online mortgage application is the basis for the bank’s preliminary decision on a mortgage. Before submitting your application, be sure to make sure that you meet the conditions that the bank sets for the borrower. You must match your age, registration, salary level, length of service, etc. All these requirements are set out in the card of each product on Vyberu.Ru. The application will be rejected if it does not comply.

The completed application will be sent to the bank for consideration. An employee of the organization will contact you within 1-7 days to clarify the information, report the result of the transaction review and, if you have received approval, discuss the details of the loan and your further course of action.

What is an online mortgage application?

An online mortgage application is an online version of a standard bank mortgage application. You can fill it out at home or at work, from a computer or mobile device, carefully reading the terms of the loan and calmly thinking about everything. Online applications are usually processed faster than in bank branches.

How to apply online for a mortgage?

By selecting favorable loan on Vyberu.Ru, you can proceed to filling out an application by clicking the “Details” button in the product card. You will be taken to a page to complete your application. There you will need to enter the amount you are interested in, the term and down payment of the mortgage, as well as your personal and passport data and contact details. You also need to consent to data processing.

What is special about the online application?

Prompt submission and decision-making are the main features of the online application. You can not be distracted from important matters: you can find a mortgage on Vyberu.Ru, and apply for it directly on the bank’s website. This will save time and effort that you could otherwise spend at a bank branch. In addition, no one forbids you to change your mind - you can refuse the loan if you are no longer satisfied with the conditions or you find a more advantageous offer.

Which bank can I apply for a mortgage to?

The development of Internet technologies is forcing banks to move further, and more and more credit institutions are offering their clients the opportunity to apply for a mortgage loan online, bypassing queues. However, finding a truly profitable loan is still difficult. Vyberu.Ru will help with this. By selecting the “Online application option” checkbox on the left side of the screen, you will receive full list mortgage products that can be applied for online.

Can I apply to all banks at once?

You can. This will increase the chances of approval of the application - if in one credit organization They will refuse you, it is likely that they will approve you in another. To do this, you need to go through the list and fill out a form for each proposal. If you are approved for a mortgage in several banks at once, you can refuse those banks where the conditions, in your opinion, are less favorable.

For many Russians, an improvement living conditions- a difficult goal to achieve, and the acquisition of new “mansions” generally remains only in dreams. Some people save money, thinking that in the future they will be able to collect the necessary amount to buy an apartment or house, but they purchasing power only decreases due to inflation and expenses. However, in this situation the solution would be mortgage credit lending. For such a decision to be profitable, you should know where it is better and how to get a mortgage, compare offers from Russian banks, and choose the best.

What you need to know before getting a mortgage

Now is a favorable time to apply for a mortgage. The most affordable rates today. If earlier lenders took 12-13% per annum, now there is a record low level, the cost of a mortgage loan has fallen to 9.50% per annum. But this is not the limit. It is assumed that banks issuing mortgages will begin to service mortgage borrowers at 8% per annum.

Such conditions can await us by the end of 2018, and in 2019, it is likely that the interest rate will decrease to 7%. Against this background, 50-80% of transactions in the residential real estate market are concluded through mortgage lending, more than 4 million people repay housing loans. Not only new borrowers benefit, but also existing ones, since financial institutions give them the opportunity to refinance existing loans.

This allows individuals to save significantly (15-20% of the monthly payment amount). By the way, the share of mortgage refinancing will also grow. By providing this product, banks will not bear risks; on the contrary, they will benefit from its distribution. Mortgage refinancing will lead to a reduction in payments, and, consequently, the credit burden on the family budget. If payment is made using the annuity system, the savings will be about 20%.

This means that it will become easier for the client to repay the debt, which means that he will most likely cope with his debt obligations. But some citizens have a question: “If everything is so good, and in the foreseeable future the rates will become even lower, maybe it’s better to get a mortgage later?” It is more advisable not to delay the purchase of housing, especially when it is urgently needed.

In your search for a suitable offer, you may miss good option. In addition, people who managed to get a mortgage, as practice shows, pay it off ahead of schedule. This means that many borrowers are able to cope with debt obligations faster and reduce the final overpayment by several times.

How to apply for a mortgage loan correctly

There are a number of other aspects in which a person intending to take out a mortgage needs to be aware, for example, the optimal loan parameters. Let us note right away that there are none, because... everything is individual in each specific case. But a few general tips will be useful for you:

• If you have already decided where to get a mortgage, and all that remains is to choose the most optimal loan program, pay attention to the size down payment. There is a connection between him and the bet. Typically, banks, with an increased down payment, reduce the cost of using borrowed funds. It is recommended to save at least 20% to contribute towards the purchase of a house or apartment. This will increase your chances of approval. The more a person contributes at the first stage, the shorter the loan term and its cost will be. Of course, the ideal ratio and credit funds, and personal savings are considered 50/50. Consumer loan It is not worth taking for these purposes. Such actions will increase your debt load, the likelihood of delays, etc. It’s stupid to look for, to say the least, there are practically none of these left on the mortgage market. Even if they are presented in a single character, there is no benefit from them. Firstly, this high interest on loan. Secondly, - mandatory selection of an object from a limited list of bank partner developers;
• Evaluate your financial capabilities wisely. For borrowers living on small salary, loan payments should not exceed 40% of family budget. Individuals with average income are allowed to allocate up to 50% for a mortgage. If your salary is high, you can burden yourself with a credit load of up to 60% or more.

What legal norms govern mortgage issues?

The size of the monthly payment is also important for the future owner of the living space. Again, the lender himself will give you this information. This payment is calculated depending on your income level, and cannot exceed 40-50% of your salary (after taxes). Repayment can take various forms:

• constant payments at a fixed cost of using credit funds;
• at a fixed interest rate and increasing payments;
• through a variable rate.

Procedure to apply for a mortgage

You can choose a suitable loan program with the help of a mortgage broker. The services are paid, but this will make the whole process much easier for you. The specialist looks for banks where you can get a mortgage, selects Better conditions loan, provides assistance in preparing documentation. If the borrower is not ready for such expenses, he will have to do everything himself.

The editors of the site “Take Credit!” I analyzed several dozen offers from popular Russian banks and prepared a selection for you. But first, we will describe the scheme of actions required to purchase housing using loan funds. Step-by-step instruction as follows:

1. Choose which bank you will take out a loan from. There are over fifty mortgage lenders in Russia. A large proportion of Russians prefer to take out a mortgage at Sberbank. They also use the services of: VTB, Rosselkhozbank, DeltaCredit, URALSIB, etc.
2. Review loan programs carefully. The same Sberbank offers its clients:
   • mortgage for secondary housing;
   • loan to improve housing conditions;
   • acquisition of a property under construction on the primary market;
   • a program designed for young families;
   • military mortgage loan;
   • purchase of land, etc.
3. At this stage, documentation is prepared. Each bank has its own requirements regarding documents, but the standard list includes: passport, application, employment, certificates of collateral (house register, property registration certificate, appraiser’s report, etc.), 2-NDFL.
4. The lender makes a verdict within a few days or weeks based on scoring. If the answer is yes, the bank will tell you how much you can expect. After this, the borrower will have 1-6 months. for the final decision and signing of documents.
5. A purchase and sale agreement is concluded with the seller.
6. An initial payment is required.
7. Insurance is being taken out. You may be asked to take out insurance: personal (life, health), title (against loss of property rights), property (damage to a house/apartment).
8. All that remains is to sign the mortgage and pledge agreement and register the purchase and sale transaction. The money arrives in the seller's account within a few days.

How to get a mortgage at Tinkoff Bank

* Tinkoff Bank V this moment does not specialize in mortgages

Product Description

Tinkoff Bank is an intermediary in issuing home loan, i.e. broker. He has partnerships with other lenders where he sends your online application for review within 2-4 days. Tinkoff helps you get a mortgage at a low rate and choose a bank with the best programs.

Each client has a personal manager who provides support in: collecting documents, organizing a transaction, searching for real estate on the primary market and a suitable insurance company. If necessary, he can recommend a good realtor. By the way, to apply for a mortgage, you do not need to collect documentation for each bank. Tinkoff itself will transfer 1 package to all partners.

And he cooperates with such commercial organizations, How:

• DeltaCredit Bank;
• Orient Express Bank;
• Absolut Bank;
• Dom.RF;
• Gazprombank;
• AK BARS Bank;
• UniCredit Bank, etc.

If your request is successful, 1 visit to the bank will be enough to sign the agreement. To register you will need to download online passport and a certificate of income. If the borrower wants to become an individual entrepreneur, the list of his documents is longer: passport, OGRN, INN, tax payment certificates and declaration. The most acceptable conditions are set for apartments and apartments.

Those Russians who confirm their income initially contribute 20%. To further reduce the rate, it is recommended to take out health and life insurance for the borrower. Also profitable will be: buying an apartment from developers on promotional offers, mortgages at a preferential rate state program. For existing debtors, refinancing a mortgage loan (from 8% per annum) is suitable.

If you pay off part of your mortgage early, your monthly payment will decrease. You can find out the approximate rate by indicating the value of the property, the amount of the down payment and the amount you are willing to pay the bank every month.

How to apply for a mortgage at UBRD

Product Description

The Ural Bank for Reconstruction and Development cannot offer so much mortgage programs, how many competing financial institutions. However, it has the most necessary options, as well as acceptable lending terms. The initial mortgage rate for a new building and for finished housing is set at 9.30% per annum if you register ownership of real estate from UBRD partner developers.

In both cases, the security is the pledge of the purchased object. The amount issued by the lender can be from 300 thousand to 30 million rubles. The borrower receives a loan for 5-25 years. Clients interested in purchasing housing in the primary and secondary markets can apply for a mortgage at a promotional rate. There are 3 of them, but only one is selected for the loan.

Each allows you to get a discount on interest rate. If you take out a mortgage against capital, the fee will be at least 9.30% per year, and the deposit will be from 10%. For those wishing to obtain a loan for any purpose secured by existing real estate, its cost will be 12% per annum or more. Maximum value the loan will not exceed 15 million rubles. For its obligations, the borrower will have to pay the bank in full in 5, 10 or 15 years.

Requirements for a borrower intending to apply for a mortgage at UBRD

Persons who are 23 years old but not older than 70 at the time of debt repayment can count on cooperation with the lender. Only Russian citizens with a permanent place of work, 3 months of work experience (current work activity) and a total of 12 months are offered to apply for a mortgage. For pensioners, proof of solvency is an old-age/long-service pension. The monthly earnings of the future borrower cannot be less than 12 thousand rubles, and the co-borrower - 10 thousand rubles.

It is important not to have any current arrears or more than 2 loans if you do not want to be rejected. The application process is as follows: you consult with a mortgage specialist and submit an application on the UBRD website, after which you send the necessary documents by email to the bank or bring them in person to the branch. Next, you will receive a call from the manager, who may ask clarifying questions during the review of the application.

If you submit full list documentation, the answer will be known the next day after you tried to apply for a mortgage. The verdict will also be communicated by telephone. You will be told about further actions. The client is given 3 months to select housing. He will not choose the object himself, but with the help of a personal manager. You set the date of the transaction, and for this you go to the bank’s office. After signing the loan documentation and insurance contract, the loan will be issued.

How likely is it to get a mortgage from the Housing Finance Bank?

Product Description

There are 3 products in the ZhilFinance Bank line. The most popular is a mortgage based on 2 documents, since it is accessible to a wide segment of the population, firstly, because the registration process is quite quick and simple. The second reason for the increase in demand is the low rate. If you are officially employed, confirm your income, it will be 9.20%.

The down payment for a mortgage is considered to be 20% of the value of the property. It is given for 1-30 years in the amount of 480 thousand to 20 million rubles. The loan is taken on the basis of copies of the passport and a second document (SNILS, driver’s license, etc.). About 82% receive same-day approval for their online application. BZHF provides mortgages to persons with any credit history. The borrower is a Russian citizen aged 18-65 years.

In addition to the mortgage under 2 documents, the lender gives:

• “New building” according to 2 documents. You need to lead from 20%. Annual rate starts at 4.90%. They lend from 480 thousand to 20 million rubles. The property must be purchased from accredited developers;
• loan secured by real estate (flat/apartment) - no more than 20 million rubles. (up to 70% of the cost of the property) at 10.30% and higher for 1-20 years. The collateral is an existing apartment or apartments in one of the cities: Moscow, St. Petersburg, Moscow Region, Leningrad Region, Krasnodar, Omsk, Novosibirsk, Krasnoyarsk, Nizhny Novgorod, Novorossiysk, Saratov, Kazan, Ekaterinburg, Volgograd. The living space must be in multi-storey building, be in good condition, not burdened. Submitted: passport, real estate documentation.

Who can apply for a mortgage for the purchase of real estate at Promsvyazbank

Product Description

Promsvyazbank has more than 7 proposals that take into account the needs and needs of the client, including “ Maternal capital", a mortgage for the purchase of finished housing in a new building. Refinancing is also provided. The maximum loan term is 25 years. The most large sum, which you can borrow from a lender, is 30 million rubles.

The fee for using a loan depends on its type, so the range of rates is as follows: 8.70-12.70% per year or more. However, you must be careful when studying Promsvyazbank’s loan programs, since low interest taken from payroll clients. Also, the amount of the fee for using credit funds depends on which bank partners you will buy an apartment from.

Such conditions apply to insurance and a down payment of at least 20% of the cost of the property. You can get a mortgage without any commission. Allowed early repayment. For those people who do not want to limit themselves to the options offered by the bank’s partners, you can take out a targeted collateral loan and buy any apartment or a private house With land plot both in the primary market and in the secondary market.

Promsvyazbank also has a program that provides for the quick conclusion of a transaction with a minimum package of documents (without a certificate of employment and income) with the ability to record earnings from personal business. For individuals intending to take out a Secondary Market mortgage, the lender provides legal assistance, assists in organizing sales transactions, etc.

Real estate and client insurance is carried out in the amount of 1% of credit amount. Insurance is paid on the day you decide to take out a mortgage. It will need to be renewed annually. The requirements for the borrower are:

• Russian citizenship and permanent registration in the area where the banking unit is located;
• age 21-65 years;
• permanent income, work experience of at least 1 year (in some cases from 2 years);
• 2 valid phone numbers (one is work, the other is mobile);
• documents - application form, passport, SNILS, certificate of marital status, document indicating work activity and solvency.

How to get a mortgage at Sberbank

Product Description

At Sberbank, mortgage lending is carried out in relation to individuals and legal entities with Russian citizenship, whose age at the time of application exceeds 21 years, at the time of return - no more than 75 years. The borrower must have total experience 5 years, and at the last place of work - at least six months. But if you - payroll client, this condition will not apply. When the amount approved by the bank is not enough, it is allowed to attract co-borrowers (from 1 to 3 people, for a young family this number can reach 6 people).

Their income is also taken into account. To apply for a mortgage, you must present documents: application form, passport + one of your choice. You will also need certificates confirming your income and work. If the loan is taken out with collateral, you will additionally have to provide documents on the collateral. A mortgage at Sberbank is given in the place where the borrower or co-borrower is registered, or in the region in which the property being financed is located.

The largest loan amount is 30 million rubles. The loan term can range from 20 to 30 years. The down payment varies from 10-25% or more. The rates are different. A mortgage for a young family in Moscow is issued for preferential terms– from 5% per year. If you want to take out a mortgage to purchase new apartment, you should pay from 7.30% every year.

If the borrower needs to get a loan to build a dacha or house, the deposit will be equal to 25% or more, interest - from 9.50% per annum, and minimum amount credit funds – 300 thousand rubles. Sberbank allows the client to independently choose the payment date and change it once a year. You can get a mortgage if:

• fill out an application and provide a package of documents;
• wait for an answer. The application is reviewed within 2-5 days. If the verdict is favorable, the bank will request documents on the property;
• sign all loan documentation;
• undergo state registration.

At what percentage can you get a mortgage for an apartment at Rosselkhozbank

Product Description

RSHB gives you the opportunity to buy: an apartment, a dacha, a private house, apartments in the city, and purchase land for housing construction. Each category of client (salary, “reliable”, employee of a budgetary enterprise) has its own lending conditions.

If the goal is to buy an apartment ( primary market), and the loan amount does not exceed 3 million rubles, depending on the status, the borrower will have to pay 9.75-10% per year. When is it necessary to take out a mortgage to purchase a home? secondary market) over 3 million rubles, the cost will be the same. But in other cases, the interest rates are different; the bank has a whole tariff schedule. This information must be verified on the lender's website.

Mortgage with state support families with children are provided at 4.70% per annum or more for the purchase of an apartment from a developer or for a property under construction. A couple who had/will have a second or third child from January 2018 to December 2022 can apply for a loan. Like previous lenders, Rosselkhozbank issues loans for a maximum of 30 years.

When buying housing in a multi-storey building under a purchase and sale/shared construction agreement, the borrower will be forced to pay 15%. The same applies to the purchase of a townhouse or land. If a bank client needs to take out a mortgage for a private house with a plot, the down payment will be at least 25%, and the purchase of apartments requires the payment of a 30% deposit. Property insurance is mandatory.

The borrower is a Russian citizen over the age of 21. The upper age limit is 75 years, provided that old man will attract a co-borrower no older than 65. Registration must be on the territory of the Russian Federation at the place of residence/stay. If the client does not run a private household plot, his work experience cannot be less than six months (from the last place of work) and 12 months (total). The list of documents is standard.

Is it possible to get a mortgage for housing under construction at URALSIB?

Product Description

To become the owner of an individual residential building or apartment, you can contact URALSIB. This bank presents to our attention no less than 7 mortgage programs, including refinancing. Of course, clients of URALSIB partners have more attractive conditions. For housing under construction, he set a rate of 9.20% per year. Taking out a loan for a property that is just under construction is as easy as getting a mortgage for an apartment.

First, you select the required object and decide on the loan terms that will suit you. Then you submit an application, the response to which arrives on average within 3 days. Next, you should conclude an agreement with the bank and, ultimately, receive a certificate of ownership. The borrower is credited for 3-30 years. You can get a mortgage for an amount from 300 thousand to 50 million rubles, the final amount is determined based on the client’s income level.

The minimum initial payment is from 10%. The most expensive is a loan issued for any purpose secured by an apartment. For it you have to pay from 11.25% per annum. The family is invited to apply for a mortgage special program, which is valid if the spouses have 3 minor children. Then the deposit will be 20% of the property price.

The purchased object will become the collateral. URALSIB also has a mortgage based on 2 documents: a passport, a driver’s license (they can be replaced with a foreign passport, SNILS, INN). The size of the initial deposit will be at least 40%, and for all clients, regardless of category. Such conditions apply to the purchase of a new apartment (primary market).

Requirements for the borrower: Russian citizenship, age between 18-70 years. The length of service must exceed 3 months, and the existence of the company in which the person works must be more than a year. URALSIB also offers insurance products.

On a note

The most difficult thing to obtain a mortgage for is private entrepreneurs and individuals who receive salaries “in an envelope.” The ideal borrower is considered to be a person with an impeccable credit history, who has enough earnings to fulfill debt obligations, whose financial discipline easy to evaluate. This is a man of 30-35 years old, with a family, children, higher education and work activity as a mid-level manager or specialist.

At the same time, the loan amount that he requests from the bank varies in the range of 2-3 million rubles. Magnitude own funds, intended for payment as a down payment, is about 20-30% of the value of the property. But individual entrepreneurs and people belonging to other categories of clients can also get a mortgage. It’s just that in their case they will have to provide the lender with a larger package of documents.

3 best banks where you can get a loan without a down payment

Behind current conditions credits, text editing and graphic design responsible: Alexander Ovcharenko

Applying for a mortgage is a simple, accessible way for anyone who wants to purchase real estate on credit to save money and time. The introduction of innovative technologies into all spheres of life of a modern person brings tangible advantages to specific citizens. Tiring hours of standing in queues and running around different windows with tired consultants are a thing of the past. Internet banking clearly demonstrates to the Internet user the proposed loan terms, allows you to submit documents remotely, and promptly find out about the decision.

Suspicious people, representatives of the older generation, are completely wrong to be suspicious of modern technologies. It is necessary to understand that behind Sberbank’s decision to provide services for accepting and processing mortgage applications online is purely economic calculation and concern for clients. Applications via the Internet are equally beneficial for the bank and the person being credited. The transition of the service sector to the World Wide Web is absolutely transparent for both parties and does not carry hidden fees or pitfalls.

The benefits for the credit institution are as follows:

• Attracting more borrowers who do not have the time or the opportunity to be personally present at the nearest branch to apply for a mortgage;
• Reducing the client load on staff, reducing queues in branches;
• Staying at the forefront of progress by investing in digital economy. Transition of activities to the online space.

The technology development policy of the future allows Sberbank to be at the forefront of innovative credit institutions countries, constantly improving service.

Benefits for the client

It has become more convenient for those applying for loans to purchase personal real estate to conduct a dialogue with the bank. There are a number of forms of comfortable feedback. You can use the proposed methods without leaving home, sitting on the couch. Along with Sberbank Online, you can contact a consultant through the website using the built-in chat window. Free available hotline for calls, the function of contacting via the feedback form indicating the desired method of receiving a response - by e-mail, SMS.

Modern Internet technologies provide clients with the following advantages:

• Time saving. With the frantic pace of life major cities Every minute counts. Online service eliminates the need to get to the nearest Sberbank office and wait for a free consultant. The number of unnecessary fact-finding trips to obtain clarification, collect, and submit the necessary documents is reduced;
• Convenience. It is possible to get acquainted with the conditions and make an important decision without leaving the comfort of home, while on a country holiday, or while traveling. If you have the Internet, the necessary information on the mortgage application can be easily found through the Sberbank website in a convenient structured form;
• No extra costs. Integrated into the functions of the site provides access to the calculation of a mortgage loan, savings opportunities taking into account the down payment, loan term, additional services and discounts. The page contains personal advice informing about additional ways to save funds;
• Visibility. When entering or changing parameters, the conditions are adjusted before the user’s eyes. The methodology clearly displays the dependence of the terms and amounts of mortgage payments;
• Eliminate unnecessary paperwork. It is possible to begin the registration process before collecting the required documents.

The procedure becomes simpler and more accessible. Saved during online registration It’s better to use your energy and resources to repay the loan without wasting it in vain.

All countries have laws on the storage, processing, and access to personal information of clients. Sberbank complies with government requirements and constantly improves the cybersecurity of online products. The information provided is processed professionally and is not disclosed to third parties. There is no need to worry about the security of confidential personal data.

It is recommended to comply with the bank's requirements for the information entered. The data must be true and not used for the purpose of deception or fraudulent schemes. Violation of rules and legal norms leads to disapproval of the provision of a mortgage, provided by law responsibility to regulatory government agencies.

It is recommended to ensure that basic precautions are taken by the user online security. The address bar of the browser you are using indicates the security of the connection, and an anti-virus program with the latest database updates is active. Personal information can only be entered on the official Sberbank website.

Required data and documents

The credit institution will require a standard set of information from those applying for a mortgage:

• Personal information. Passport data, full name, number, series.
• Marital status, presence of children, level of education;
• Contacts. Place of residence, registration, mobile phone number, email address;
• Level of creditworthiness. To determine it, the bank needs to know the borrower’s place of work, length of service, position held, employer, and organization contacts. Availability of status is included in the list;
• Information about current income. Size, source, number of main and additional, approximate monthly expenses. Availability is welcome salary card Sberbank.

The fields to be filled in are equipped with a function for automatic initial verification of the entered information. If violations are made, the color of the line will change to warning red, and the form with incorrect information will not be sent to the server. The program will be able to determine the correct number of digits in a phone number or document, but will not be able to track their correctness. It is better to enter data without haste, paying attention to each sign.

The package of documents required for consideration of an application for a Sberbank mortgage online can be provided in digital form. You just need to scan the files and take a photo with your mobile device. It is recommended to carry out the procedure in advance. Make sure the quality of the resulting digital copy. When working with the site through a personal computer browser, send copies from your phone or tablet to a separate folder on your hard drive. The documents are valid for no more than a month from the date of issue. A passport, a certificate of income for the last six months, and confirmation of a permanent place of work are provided.

For registration mortgage application online on the Sberbank website, the procedure is as follows:

• Go to the official Sberbank page on the Internet, select the “Mortgage” menu in the upper left corner;
• Get acquainted with the offered credit products, select the required one. You can immediately click on the green-highlighted “Submit Application” item, or receive Additional information in the subsection “Learn more”;
• The user is redirected to the site "". Built-in convenient calculator clearly provides information on the dependence of payments on the terms of the loan, the size of the down payment, additional conditions. Discounts available for participants affiliate programs, in the subparagraphs is highlighted and the corresponding check mark is removed;
• To the right of the main calculations there are cells for entering personal data for the purpose of registering to submit an application online. Enter the information, click on the one that prompts you to create Personal Area user button;
• An SMS message with a confirmation code and password to enter your personal account is sent to the specified SIM card number of your mobile device;
• In it, the person applying for a mortgage will receive an application with the terms of the loan. It is necessary to attach the required digital copies of documents and fill out an application;
• Additionally, a choice is available for the client to receive the services of a Sberbank branch linked to a map and current location;
• Clicking on the button that sends it to the institution’s server serves as confirmation that the information provided about yourself is correct.

After completing the manipulations on the site, you should expect a verdict from the credit institution.

Internal rules financial organization regulate the consideration of the application within two working days. Financial experts emphasize that correct, accurate filling of information reduces the time for making a decision to one day. If you have a good credit history and have the required package of documents confirming your solvency, a positive decision will not keep you waiting long.