Mortgage for a share in an apartment in Sberbank in 2021 - conditions, stages of registration, preferential conditions and nuances

Many families dream of owning their own home. But there is not always enough money to buy a home. To solve the housing problem, the best option is to purchase real estate with a mortgage. This type of lending allows you to purchase housing using your own funds and borrowed funds. When you need to take out a mortgage loan to buy a house with land, you can use the lending programs offered by Sber to clients. This way you won’t have to spend years saving up for a residential property. Before applying for a mortgage, it is recommended that you familiarize yourself with the requirements and conditions for providing a loan to borrowers.

What are the types of shared ownership?

According to the law, shared real estate has two types:

1. Shared ownership is an option in which several people are considered home owners and their share is expressed not in square meters, but as a percentage. For example, each member of a family of 4 owns ¼ of the house.
2. Private property is a type defined by specific dimensions expressed in square meters. m. The owner of the house has the right to use only the square meters allocated to him. A good example is a communal apartment.

Does Sberbank issue mortgage loans for real estate shares?

Not all banking institutions provide loans for the purchase of part of the property. Sberbank is ready to take a similar risk, but with extreme caution.

When applying for a mortgage, the collateral is not the whole apartment, but only its share, which is why its liquidity is quite low. As a result, implementation difficulties may arise. If a loan is issued for a share in a communal apartment, then the year of construction and general condition are taken into account. In most cases, such housing is quite dilapidated and in disrepair, so it is not accepted as collateral.

Important! When purchasing a share in a dormitory or communal apartment, it is necessary to obtain the consent of all neighbors and the ownership rights of the seller.

In the case of an apartment, some difficulties arise. The bank cannot issue a mortgage for the entire apartment, since there are several owners of shares. In such a situation, the borrower must obtain consent to impose an encumbrance on the entire living space, otherwise the loan will be denied.

Do you need insurance for a holiday home mortgage?

Insurance of the mortgaged property is a mandatory condition established by the Federal Law “On Mortgage (Pledge of Real Estate)” No. 102. If the client ignores this obligation, the loan agreement is not signed. This means that the transaction is canceled and the money is not transferred to the seller.

Collateral insurance is explained simply. The land and the house are the guarantor of mortgage payments. If the property for some reason significantly loses value, the bank will not be able to compensate the loan in case of non-payment. Therefore, it is impossible to cancel the insurance of the object.

At the same time, it is not necessary to take out insurance at the agency offered by the bank. You can choose an insurance company yourself. If a bank requires you to sign an agreement with a partner agency, then this is a violation of the law (Federal Law “On Protection of Competition”).

If you have financial capabilities, it is better not to include the insurance amount in the body of the loan, but to pay it separately. So the overpayment will be less.

Another thing is that the bank can impose other types of insurance on the client:

Loan "New Building" Rosbank, Lic. No. 2272

from 7.1%

per annum

from 300 thousand

up to 25 years

Get a loan

• life and health insurance;
• ownership.

These types of insurance are not mandatory, but voluntary. The bank cannot force the client to pay for the relevant policies. But in case of refusal, it may offer less favorable conditions.

Mortgage conditions for part of the property

A loan for the share of an apartment is issued only within the framework of one program, “Loan for the purchase of finished housing.” Secondary market real estate is suitable for registration.

Terms of issue:

1. The minimum loan amount is from 300,000 rubles.
2. The maximum amount is 85% of the value of the collateral.
3. The loan term is up to 30 years.
4. The down payment amount is at least 15%.
5. Interest rate - from 10.2%.
6. The object of collateral is the housing being financed or other real estate.

If the borrower is satisfied with the conditions put forward and meets the basic requirements of the bank, he can apply for a share of the apartment through a mortgage.

What is the minimum monthly payment for a Sberbank mortgage?

When choosing a mortgage, you must rely primarily on your own solvency, because you will have to repay the loan every month for many years. Mortgages from Sberbank are issued on fairly favorable terms, but even so, they cannot be called accessible to all segments of the population. Therefore, you need to choose a program for yourself that will allow you to reduce the amount of monthly payments to a minimum.

The latter depend on many factors. The most important of them are the loan amount itself, the interest rate on a Sberbank mortgage and the term for which the loan is taken out. These indicators should be relied upon when choosing.

The loan payment will be minimal if a small amount is taken, at the lowest interest rate and for the longest possible period. But as a rule, there are no mortgage programs that meet all the client’s wishes. In addition, there is one important condition that Sberbank puts forward - the monthly payment should not be more than 50% of the client’s confirmed income.

You can figure out the size of the monthly payment for each mortgage program using the table below. It is based on the following indicators: the cost of the purchased property is 3,000,000 rubles, the loan term is 20 years. On their basis, the average monthly loan payment is calculated.

All these calculations can be done independently using Sberbank’s online mortgage calculator. In the program, you need to select the type of mortgage and enter the necessary parameters (the cost of the property being purchased, the amount of the down payment, if it is intended to be made, the term for which the loan is taken). The calculator will show the interest rate, the size of the monthly payment and the schedule for depositing money for the entire loan period.

The calculator will also indicate the minimum amount of required income, but this information should not be trusted. Most likely, it will not suit the bank.

To be sure that the application will be approved, it is better to use a simple formula: the payment shown by the program must be multiplied by 2.5. If the result is a number more or less close to the amount of your earnings, then you can count on approval of the application.

For what reasons may a bank refuse to issue a shared mortgage?

Expert opinion
Irina Bogdanova

Work experience at Sberbank for 12 years.

In practice, getting approval from Sberbank for a mortgage to purchase a share in an apartment is quite difficult. Most of the refusals come if the person did not previously have any rights to housing or already owns a share, but even after the transaction, the loaned property will not become his full ownership.

The reasons for the negative decision are that the purchased part of the apartment has low liquidity. If the borrower becomes insolvent, the lender will not be able to recover its losses by selling the property. In such situations, experts advise using another, more liquid living space as collateral.

Source: RBC Real Estate

The launch of mortgage programs for private houses in Russia will increase the demand for such housing. We tell you what mortgage programs banks will launch for the purchase of individual housing construction and what requirements they will impose on private houses. In Russia, they have developed a roadmap for the development of the market for the construction and mortgage lending of individual residential buildings (IHC). This order was given to the Russian Ministry of Construction by President Vladimir Putin.

In order for mortgages on individual housing construction to become affordable, it is necessary not only to introduce a program for subsidizing mortgages, to extend work through escrow accounts and the norms of 214-FZ to private houses, but also to develop certain requirements for such houses, land plots and communications on them, simplifying their use in as collateral for bank loans.

We tell you what requirements credit institutions already impose on private houses and for which houses buyers will be able to get a mortgage in the near future.

Mortgage for individual housing construction

At the beginning of 2021, average rates on loans for individual housing construction, according to Dom.RF, are 2–3% higher than for apartments due to high credit risks and operating costs, and the houses themselves have low liquidity as collateral for jar. The current preferential mortgage programs do not have a significant impact on the individual housing construction market.

Previously launched programs - rural and Far Eastern mortgages - have shown their popularity among Russians. But these programs have various restrictions, including territorial ones, which prevent them from becoming a mass product. The introduction of various mortgage programs for individual housing construction will increase the demand for private houses and make them affordable for buyers.

Banks are reluctant to issue loans for private houses and summer cottages, as it is difficult for them to assess the liquidity of this product. The launch of mortgage programs for private houses in Russia will increase the demand for such housing, bankers believe. By 2025, the share of completed wooden housing in Russia may increase by one and a half to two times. As a result, up to 20% of the country’s housing stock will be wooden housing, notes the Center for Macroeconomic and Regional Analysis and Forecasting of Rosselkhozbank. Preferential mortgages for private houses

In 2021, Dom.RF launched preferential mortgages for individual housing construction. The purpose of the pilot program is to develop mechanisms to support the construction of private houses for subsequent scaling in other banks.

Unlike existing programs - rural and Far Eastern mortgages - the new program applies to the entire territory of Russia. It can be used both to purchase a finished house with a plot of land from a developer, and when constructing a new home. The loan rate ranges from 6.1% per annum for the entire loan term, and the maximum loan amount is up to 12 million rubles. in Moscow, Moscow region, St. Petersburg and Leningrad region and up to 6 million rubles. - in other regions. Russians under the age of 35 who have a minor child can become borrowers. The down payment is at least 20%, and the loan term is 20 years. For now, the pilot program runs until September 2021. What are the requirements for houses with a mortgage?

In its pilot mortgage product for individual housing construction, Dom.RF specifies the necessary requirements for the houses themselves, land plots and communications. If these requirements are met, borrowers will be able to obtain a mortgage loan. After the pilot has been tested, banks will be able to introduce the corresponding requirements into their suburban housing lending programs.

Basic requirements for the subject of collateral in Dom.RF Bank:

• the presence of utilities, a road network and access roads that provide year-round access to the land plot on which a residential building is being built;
• category of land - land of settlements or agricultural purposes, type of permitted use - for housing construction;
• construction involving an accredited company.

Banks also care about who will build the house in order to minimize the risks of poor-quality construction or unfinished construction. Basic requirements for developer/contractor accreditation:

• developer/contractor - legal entity or individual entrepreneur;
• have at least two years of experience in individual housing construction;
• absence of negative information (bankruptcy, unfulfilled obligations, lawsuits).

Escrow for private houses
To develop mass construction of individual housing construction in Russia, it is planned to extend the escrow scheme and project financing to private houses and involve professional builders in their construction. This will be able to interest banks in the segment of this housing and make the product mass. To develop the individual housing construction lending market, there is a solution - to move on to the mass construction of cottage communities and townhouses by professional developers, says Sergei Bessonov, vice president of Sberbank. In his opinion, the conditions for the mortgage can be brought closer to the conditions for the mortgage for the purchase of an apartment. Sberbank plans to launch a mortgage product for individual housing construction in the spring of 2021. The market already has the first experience of introducing project financing. This year, Dom.RF Bank provided project financing for the implementation of an individual housing construction project in the Leningrad region. The deal was concluded with a developer; the residential complex will be built in the Lomonosovsky district of the Leningrad region. A full-fledged mortgage for individual housing construction has appeared on the market without additional collateral or guarantors, with a low interest rate that competes with the DDU market and with project financing. “The segment of individual housing construction is becoming increasingly popular; many people dream of living not in an apartment, but in their own house. So, we recently launched project financing for individual housing construction. This product allows developers to use loan funds for the purchase of a land plot, as well as the construction of utility networks, and quickly begin the construction of housing itself. Project financing of individual housing construction opens up new opportunities for developers and allows them to significantly increase construction volumes in this segment,” said Kirill Grishanov, Deputy Chairman of the Board of Dom.RF Bank. Dom.RF Bank has already developed conditions for project financing for developers, requirements for developers, private houses and land plots. Using these conditions as an example, you can see how banks will implement such programs and what requirements they will impose on houses in the future.

Project financing of individual housing construction

The rate for this program at Dom.RF Bank starts at 8.6%. With a down payment of 50% - 9%, from 30% - 9.5%, from 20% - 10%. The maximum loan amount is 30 million rubles. — in Moscow and the Moscow region, St. Petersburg and the Leningrad region, 10 million rubles. - for other regions. In this case, the cost of the land plot should not exceed 20% (appraisal report) of the loan amount (the cost of construction of a residential building specified in the basis contract for construction)

• To complete the application, all you need is a passport and an extract from the Pension Fund, which the bank employee will order independently (replaces the Tax Code and 2-NDFL).
• Mortgages are provided for the construction of standard houses of complex development or houses according to an individual project in an area with transport, social and engineering infrastructure.
• A contract/purchase agreement for a future item with a legal entity or individual entrepreneur included in the list of those accredited by the Bank is sufficient.
• You can build a house on your own land or buy land with a mortgage.
• Settled lands or agricultural lands are suitable (the type of permitted use ensures the construction of residential buildings with the right of residence/registration).
• No additional collateral is required.

Requirements for a residential building:

• the residential building must be built by one of the construction organizations/other persons, the list of which is posted on the bank’s website;
• the total area of ​​the residential building under the project is at least 70 square meters. m and no more than 300 sq. m;
• the foundation of a residential building according to the project is stone (rub concrete or brick), iron or reinforced concrete, piled with a grillage;
• after completion of construction, the residential building must be suitable for year-round living (without restrictions on wall material);
• Access to the constructed residential building is possible at any time of the year.

The design documentation must provide for the supply of communications to the residential building under construction:

• gas (except for the Far Eastern Federal District, Siberian Federal District, Ural Federal District and non-gasified areas of other constituent entities of the Russian Federation);
• central electricity;
• central water or well with automated water supply;
• central or local sewerage.

Requirements for the land plot:

• the land plot is located in a complex construction site (or on the territory of an existing development, which requires the provision of engineering and transport infrastructure, as well as the availability of social infrastructure);
• the size of the land plot is no more than 4 thousand square meters. m;
• ownership of the land plot has been registered;
• the land plot must belong to the category of land in settlements or agricultural land, the type of permitted use provides the right to build, locate and operate a residential building (with the right of registration);
• the acquired land plot must not contain any buildings/structures/structures (except those being built by a company accredited by the Bank according to one of the standard projects);
• the cost of the land plot under the purchase and sale agreement should not exceed 40% of the total value of the property.

Requirements for the developer/contractor:

• contractor - legal entity or individual entrepreneur;
• experience in individual housing construction for at least two years, but at least five house projects over the past year. In the absence of the necessary experience, a petition is required from the authorized body of the constituent entity of Russia;
• absence of claims to challenge the reimbursement of contract agreements for the construction of individual residential buildings;
• absence of negative information (bankruptcy procedures, seizure of property, suspension of transactions on current accounts);
• break-even activity of the organization and a positive value of net asset value for the last reporting year (applicable to legal entities);
• the contractor has no debt to pay taxes, fees, or other obligatory payments to the budgets.

Requirements for complex development of individual housing construction

A complex development object (CDF) means a group of at least 15 residential buildings or houses of blocked development, built or under construction according to one or more standard projects, according to a specific plan. The location of the OKS must meet at least one of the following requirements:

• the settlement in which the OKS is located has a population of at least 50 thousand people and is the administrative center of a constituent entity of Russia or a region within a constituent entity;
• the distance between the OKS and a populated area with a population of at least 250 thousand people is no more than 50 km (the distance between the OKS and the specified populated area is determined by the distance between their administrative boundaries);
• the distance of the land plot from the boundaries of the Moscow ring road of the city of Moscow is no more than 70 km;
• the distance of the land plot from the borders of the city of St. Petersburg is no more than 70 km.

Tags: individual housing construction, mortgage, Dom.rf, 2021

What documents need to be collected

For a mortgage you must provide:

1. Passport of the Russian Federation with registration mark.
2. Second document (driver's license, SNILS, INN, international passport).
3. Certificate of marriage, birth of children.
4. Certificate in the bank form or 2-NDFL for the last six months.
5. A copy of the work record, certified by the employer.

After approval, it is necessary to present documents for the purchased housing, the security deposit provided, a certificate confirming the availability of a down payment and a real estate insurance contract.

How does the Security Council of the Russian Federation check real estate before purchasing?

Sberbank examines all documents for the purchased property. The legal purity of the transaction, statistics of transfers of ownership of the object, the presence of minors or potential applicants for inheritance are checked.

The technical data sheet of the house is studied, in particular indicators of wear, condition of the floors, foundation and all main communications. If the house is located on a leased plot of land, the bank will definitely check all the necessary documentation, as well as the terms of the lease.

An appraiser's report is also required to find out what the forecast is for changes in the price of real estate, and what amount of loan can be issued against a specific collateral. Sometimes a manager also inspects the house to check the information from the application form and other documents.

Important! Getting a mortgage for a house is much more difficult than for a regular apartment. A substantial down payment and confirmation of the liquidity of the loan object will be required.

If the bank finds out that the selected house is a dilapidated building that is not in demand, then most likely the loan will be refused.

General scheme for obtaining a shared mortgage

Stages of obtaining a mortgage for a share in an apartment:

1. Submitting an application for a loan. You can submit it at a bank branch or on the official DomClick website.
2. Waiting for a decision. Pre-approval is not the final answer. The lender, if it subsequently reveals fraud or false information, may refuse the loan.
3. Inspection and evaluation of the property. The appraiser's services are paid by the borrower.
4. Concluding a purchase and sale agreement together with the seller.
5. Signing a loan agreement, making a down payment.
6. Registration of real estate in Rosreestr.

Compared to registering a full-fledged apartment, lending a share is a little more complicated, especially at the initial stage, since the likelihood of receiving a positive decision on the application is extremely low.

List of papers that will be required after the credit institution approves the loan

After the bank approves the mortgage loan, the client is required to provide another list of documents for consideration. It includes a certificate that can confirm that the borrower has sufficient funds to make the down payment under the loan agreement. This could be a statement from the bank account in which the funds are kept. Clients also provide a receipt indicating that money was borrowed from relatives or friends for these needs. If maternity capital is used for the down payment, the corresponding certificate must be provided.

You will also need to collect and prepare documents for the property that will be purchased with borrowed funds. These must be provided within 90 days of the mortgage amount being approved. Also, do not forget that the credit institution may require other documents. An additional set of papers usually includes a certificate of marriage or divorce, birth certificates of children, and the consent of the husband or wife to use common property as collateral. The process and duration of issuing a mortgage loan depends on how quickly the client collects the papers, and whether the package is complete or not.

Features of shared mortgage

The shared mortgage program is practically no different from the standard lending procedure. However, the lender provides one feature: you can buy out the share only if you obtain the consent of all owners to fully encumber the apartment. If the borrower is unable to provide another collateral option, he must persuade all residents to sign an agreement to such a procedure.

Due to the fact that the bank takes a significant risk when registering a share of the apartment, it will switch its attention to the borrower and his solvency. If the applicant's income does not meet the lender's requirements, the mortgage will be denied.

It is important to consider that the lending procedure is accompanied by some costs:

• notary services - from 1500 rubles;
• apartment/life insurance - from 1% (depending on the loan amount);
• registration of property rights - from 2 thousand rubles;
• appraiser services - from 3 thousand rubles.

Mortgage loan for the last share

Sberbank is quite loyal to applicants who buy out the last share in an apartment. According to statistics, there are much fewer failures in this program than in any other case.

The option is the most preferable, since the consent of all owners is not required to register an apartment as collateral. The bank, if the borrower loses solvency, will be able to profitably sell the loan property.

Mortgage for a share for two

We are talking about attracting a co-borrower who is assigned similar debt obligations. The bank is loyal to this registration option, since the second payer, in most cases, is the closest relative.

The ownership of the registered housing is determined by shared participation. For officially registered families, a joint form is provided.

Distribution of shares between co-borrowers

If the borrower’s spouse becomes a co-borrower, then he/she automatically becomes a co-owner of part of the property under the contract. But for relatives or partners it is necessary to draw up a special agreement. If the relationship was built on complete trust, it will be possible to reclaim the required part of the property in court by presenting receipts for payment of the mortgage.

Buying out shares from relatives

The law does not provide specific rules for acquiring a share of real estate from relatives. However, in practice, Sberbank more often refuses borrowers such registration. The reason for this decision is suspicion of fraudulent activity. The parties to the transaction can divide the amount received from the bank and hide from paying for this share of the apartment.

Buying a room in a communal apartment

The bank is more willing to approve the purchase of the last share in a communal apartment. However, if certain requirements are met, he will agree to purchase one room:

• the property has other real estate for collateral;
• the purchased housing is suitable for living;
• sewerage, bathroom, ventilation, heating and electricity are in good working order;
• room size over 12 sq. m.;
• there are no wooden floors;
• The building was built later than 1970.

Only in this case will the bank be able to consider an application for a room in a communal apartment.

Requirements for the borrower

The procedure for applying for a mortgage loan is complex, and to obtain a loan it is not enough to comply with the conditions or provide all the necessary documents. There is also a point that concerns the requirements for borrowers. Subject to compliance with them and the availability of a complete package of documents, a loan is provided. Currently, the requirements for this type of lending are as follows:

• The borrower must be at least 21 years old at the time of the loan, and not older than 75 years at the time of its repayment;
• Having citizenship of the Russian Federation. Also, in some cases, temporary citizenship and registration in the country are allowed;
• Work experience over the last five years should not be less than one year. In this case, the borrower must have at least six months of experience at the current enterprise.

These are standard requirements that Sber imposes on persons receiving a loan. If the borrower is unable to repay the loan debt on time, then the co-borrower does this for him, who signs the mortgage agreement together with him. The borrower has the opportunity to attract up to three such persons. They are also subject to certain requirements.

You also need to find a guarantor. This will be an additional guarantee of fulfillment of debt obligations to Sberbank.

Preferential conditions for young families

There are currently no targeted preferential offers for the purchase of a share in an apartment. However, borrowers can take advantage of the “Young Family” program as part of a mortgage for the purchase of secondary housing.

The terms of participation:

• for two people there is 42 m2 of apartment area, and for three people there is 18 m2 each;
• the living space violates established sanitary and technical standards;
• the family lives in the same room with a sick person who, by law, must live separately;
• age of participants up to 35 years.

A mortgage loan for a share of an apartment in Sberbank is issued only if the conditions of the law are met. The applicant can count on a subsidy of up to 40% of the cost of housing. The amount of the benefit is determined individually.

Nuances and difficulties faced by borrowers when collecting documents and certificates

Not only clients, but also sellers must collect the necessary information. If the owner turns out to be a slow person, he can ruin the deal. This is the first nuance that a potential borrower will encounter. Here it is enough to control the process of collecting documents, but there are situations that will require endurance and caution:

1. If the apartment has been put up for sale several times, and the periods of ownership of each owner are insignificant (within a year, sometimes less), someone’s violated rights, fraud with inheritance, shared ownership, and maternal capital may “come to light.” In such a situation, it is better to independently order an extended extract from the Unified State Register and make sure that there are no arrests (even those lifted).
2. Sellers generally don't like mortgages. There is always a risk that during the registration process a buyer with real money will appear and the owner will refuse the mortgage transaction. A preliminary purchase/sale agreement will help to avoid such troubles.
3. Obtaining certificates is time-consuming. An application for permission from the guardianship authorities is processed within 14 days, a certificate from the passport office about registered persons or an extract from the Unified State Register is produced from 2 to 5 days. At the same time, the validity period of the set of documents for the apartment is limited. For supporting information, it is 14-30 days, so it is better to order such papers shortly before the mortgage transaction (taking into account the preparation time).
4. The sale of an apartment (house, cottage) will be complicated by the presence of minors among the owners or registered residents. You will have to not only obtain permission, but also confirm the continued provision of living conditions for these citizens at a similar level, and this is additional paperwork.
5. There are many pitfalls in a shared real estate transaction. The seller is obliged to obtain consent for the sale from the owner of the share. And if communication with the owner is lost (or he is against the sale), the issue will have to be resolved through the court, but during the litigation the mortgage approval period will end.
6. At the stage of preparing documents, it is not common, but there are errors and unreliable information in certificates (this is what the Unified State Register of Real Estate extracts are “sinful of”). Such papers will have to be redone.

A mortgage acts as a guarantee of the legality of the transaction. Banks check the property against closed databases and will not approve the premises with the likelihood of loss of ownership. But this circumstance does not exempt the buyer from carefully studying all documents.

Why requirements may differ for different borrowers

The reason is obvious: borrowers from different social groups have different sources of income, financial and social stability. And even for one group, the conditions differ depending on age, the method of confirming solvency, the ratio of income to expenses, participation as guarantors/co-borrowers with other persons, and credit load.

It is unrealistic to get a mortgage from Sberbank for an unemployed person without a confirmed income. Violations of the law in the past, too frequent litigation (even as a plaintiff), health problems, debts for housing and communal services and alimony may well serve as a reason for refusal of a mortgage or negatively affect the terms of lending.

Refund of interest on shared mortgage

Each borrower can obtain a tax deduction for the purchase of real estate and payment of interest. The maximum taxable amount for property is 2 million rubles, for a mortgage - 3 million rubles. Thus, the borrower can return up to 260 thousand rubles from the purchase of a home and 390 thousand from a mortgage loan.

Important! The amount depends on the official earnings of the taxpayer. The state will not pay the borrower more than he previously transferred.

The applicant can calculate in advance the approximate amount of tax deduction for the year using an online calculator.

Is it worth getting a shared mortgage?

A loan to buy out a share in an apartment is a complex procedure that requires special precision and care from the borrower. From the bank’s point of view, such a program is unprofitable, because there are significant risks associated with the client’s solvency and the further sale of illiquid living space.

If we consider a shared mortgage from the borrower’s side, we can highlight several advantages:

• low cost of housing;
• low interest rate, as a result, small payment.

Among the disadvantages are difficulties in design.

Ideally, it is better to consider full-fledged options for apartments or houses - this way the borrower can protect not only the bank, but also himself.

Transaction procedure

After using Sberbank’s online home mortgage calculator and filling out the application form, the client receives a preliminary decision. He will have to select a property and coordinate it with the bank. When the final answer has already been given by the lender, you can proceed directly to the mortgage transaction.

How to apply for a mortgage on a house at Sberbank:

1. The borrower transfers the down payment to the seller using his own funds. If maternity capital is used, this point is skipped - the owner of the house will receive the full amount after registering the transaction in Rosreestr. At the same time, the purchase agreement is signed.
2. Then the loan documentation is completed at the bank.
3. A package of documents is submitted for registration to Rosreestr. You will need a signed purchase agreement, a loan agreement, a mortgage (if there is an electronic mortgage, then you will not have it on hand), an extract from the register of real estate rights, and a receipt for payment of the state duty. If the client takes out a loan for construction on his own site, there is no need to register the transaction, but a pledge must be issued in favor of the bank (if this is provided for by the terms of the agreement).
4. After receiving from Rosreestr documents confirming ownership and the presence of a pledge in favor of the bank (extract from the register of real estate rights, registered purchase agreement), loan funds are issued. As a rule, they are transferred first to the borrower's account, from where they are sent to the seller. How money is transferred during a mortgage to the seller is described in more detail in another article.

Please note that technical documents for the transaction itself are not submitted to the MFC (Rosreestr), but may be required during the process of approving real estate by the bank.

You can submit documents for a transaction not only at the registration authority itself, but also at the MFC, a notary office (if the transaction requires the participation of a notary), and at a bank through an electronic document management system. The pros and cons of electronic transaction registration in Sberbank are described in another article. The last option, how to get a mortgage on a house in Sberbank, is paid. It will cost 7,900 - 10,900 rubles, but the borrower and the seller will not have to go anywhere else. You can also order on-site registration (a specialist comes to the bank office himself), the cost depends on the region, you can find out more by calling 8.

There are also several ways to pay for real estate (down payment and loan funds):

• in cash, in this case the seller draws up a receipt (a sample receipt is in the article - All about the down payment on a mortgage;
• transfer to a current account, leaving the payment order in the borrower’s hands;
• using a safe deposit box - funds are placed in it at the time of signing the loan agreement, the seller takes them after registering ownership of the buyer;
• placement of the amount in a special account, where they are stored until the registration of ownership of the borrower.

The first method is more risky, but it is free. When transferring money from a current account, a commission may arise according to Sberbank tariffs. Using a safe deposit box and a special account is more expensive; the cost is calculated based on the amount and period of placement of money. Also, it is impossible to register a cell if there are more than two sellers.

conclusions

Applying for a mortgage to buy out a share in an apartment is a labor-intensive process that requires compliance with all established bank requirements. In most cases, financial institutions do not allow the purchase of only part of the property, but Sberbank is not one of them. It is possible to take out a mortgage for part of an apartment within the framework of the “Loan for the purchase of finished housing” program. Most often, the borrower is required to obtain the consent of all owners of the apartment to fully encumber it or provide another object for collateral.

A mortgage for a share in an apartment is possible! Moreover, due to the low liquidity of apartment shares (regardless of whether they are equal or different), the process of approving such an application has a number of nuances described in this publication.

Why do citizens choose a private house with a mortgage?

Sber offers a large number of mortgage programs for Russian citizens. But an increasing number of clients of the institution are seeking to obtain a mortgage for a private home. And there are several reasons for this, which are as follows:

• The desire to have a home away from the bustle of the city;
• The price of a country house sometimes reaches the level of the cost of an apartment in the central part of the city. But in most cases, purchasing such real estate is cheaper;
• The presence of a plot where gardening enthusiasts can grow various crops. At the same time, you can eat organic vegetables and fruits grown on your own land.