The main bank in the country provides a total of three mortgage program – loans 'mortgage' and 'Mortgage +' in line 'housing loans', as well as special mortgage 'young family'. Take advantage of Mortgage Savings could any Russian citizen who has attained the age of 18 and having a steady income. The maximum loan term of the Savings Bank – 20 years. Credit 'mortgage' is issued by Sberbank to buy, build or repair Real Estate bail the same property. 'Mortgage +' issued for the acquisition or construction of housing under construction or constructed with the Savings Bank. Interest rates on loans 'mortgage' and 'mortgage' + vary Savings Bank from 11.8% to 15% per annum in rubles and from 12.3% to 15.5% in U.S.
dollars and euros. The amount of the mortgage loan Savings can not exceed 90% of the cost of housing, there is a minimum initial deposit of 10%. To participate in the mortgage Savings Bank of Russia must provide documents, which includes application form, passport borrower and the guarantor, a certificate or 2-PIT the shape of the bank, as well as documents provided by the pledge. In addition, it is necessary provide a considerable number of documents on the financed property. A complete list of these documents and more information on the mortgage you can read the Savings Bank's website (www.sbrf.ru). The maximum possible amount of the mortgage loan to Sberbank for people with an average monthly income of 30 000 is 2.5 million rubles for 20 years. If the net monthly income is 50 000 rubles, you can count on a mortgage loan Savings Bank of $ 4.3 million rubles.
Mortgage Savings 'young family' Mortgage Savings Bank provides a special facility for young families. Young family in the concept of Mortgage Savings – either family, which at least one of the spouses has not reached the age of 30, or parent family where the parent has not reached the same age. Mortgage Savings 'young family' is designed for the acquisition or construction of real estate and is similar to conditions of mortgage programs, housing loans. Minimum down payment for a young family consisting of two parents, is only 5% for single-parent families – 10%. Loan term – up to 20 years. When submitting documents for participation of Sberbank in the mortgage program for young families borrowers additionally provide a marriage certificate and birth certificate (if available).