Sberbank discounts or promotions on mortgage lending. Sberbank has opened the season of mortgage discounts. Discount for participation in the salary project

5 minutes to read. Views 139k.

Purchasing your own real estate is an important step in the life of every citizen. Mortgage promotions at Sberbank today allow you to make transactions on favorable terms. The financial institution takes a leading position in providing loans to the population. This confirms the customer focus, as well as the abundance of products offered by the bank. Based on individual characteristics, each consumer here will be able to choose the best option for purchasing living space. Employees constantly update the list of special offers and promotions available for a certain category of clients. By participating in them, you can save a significant amount of money. Therefore, it is recommended to monitor the current tariffs so as not to miss interesting activities. Below we will analyze in detail what is available today.

Mortgage promotions

The list of banking products is updated annually. This is due to changes in market dynamics and the rate of inflation. Sberbank also takes an active part in government programs to support the population.

The following special conditions for mortgages are currently in effect:

Mortgage for a family with children with government subsidies. The program is valid from January 2018 to December 2022 inclusive. Designed to improve the demographic situation.
Purchase of property under construction from accredited developers. Applies to apartments in new buildings.
. Preferential conditions are aimed at improving the living conditions of military personnel and their families.
. Using government payments upon the birth of a second child as a down payment or partial repayment of a debt to the bank.

The list of mortgage promotions from Sberbank today is mainly aimed at supporting family citizens. Thanks to this, thousands of families received an excellent opportunity to buy housing on favorable terms with support from the federal budget. Improving the quality of life of its citizens is a priority for the government.

Promotion for families planning to have a second or third child

Today, this product is completely new; it began operating at the beginning of 2018. Young families are provided with a preferential interest rate for a certain period. Lost profits to Sberbank are compensated from budget funds.

The program is available to families planning to have a second or third child during the period of the special offer. The terms of provision are quite simple:

The maximum amount is up to 3 million or 80% of the value of the purchased property. For the Leningrad and Moscow regions, as well as Moscow and St. Petersburg, the size has been increased to 8 million.
Down payment 20%.
Remuneration rate.
It is mandatory to insure the purchased apartment and the life and health of the borrower for the entire period of contractual obligations.
The repayment period ranges from six months to 30 years.
The age of the spouses must not exceed 35 years at the time of application.

The preferential interest rate is valid for 3 years if a second child is born and 5 years when a third child is born. After the end of the agreed period, the mortgage interest becomes 9.25%.

Separately, it is worth noting that if, after the birth of the second, a third is born during the program period, then the benefit is extended for 5 years from the date of provision of the birth certificate. Thus, citizens have the opportunity to pay a reduced monthly premium for 8 years. Sberbank provides for early repayment without penalties, which allows you to purchase an apartment at a significant discount.

Sberbank cooperates with large construction companies, so a smaller bank remuneration applies to a certain list of apartments. This type of mortgage promotion today allows you to purchase a completely new home directly from the developer. This type of transaction will allow you to save on real estate services initially.

Applies to both houses under construction and those already put into operation. The terms of the agreement are as follows:

Interest rate from 7.4%. The discount is provided from the construction company.
Repayment period is up to 12 years. This figure is significantly lower than with standard lending, however, the amount of remuneration for using credit funds is also less.
The minimum amount is from 300 thousand rubles. Maximum – 85% of the cost of the purchased living space.
Down payment – 15%.
It is mandatory to insure the collateral and the life of the borrower for the entire period of the contract.

The mortgage promotion from Sberbank is currently valid for a certain list of properties. The current list is freely available on the official website. The program is valid for all subjects of the Russian Federation.

Housing loans for military personnel

Support for persons working in the armed forces is carried out on the basis of state law. Citizens participating in the savings program have the right to take advantage of this opportunity. Applies to both new buildings and the secondary real estate market.

Special conditions for the military include:

Interest rate from 9.5% per annum.
The minimum amount is 300 thousand. The maximum amount cannot exceed 85% of the cost of the purchased housing.
Down payment – 15%.
The debt repayment period is 20 years.
Property purchased with a mortgage is collateral. Subject to compulsory insurance.
Age at the time of application is 21 years old.

Using this program, military personnel and members of their families have the opportunity to buy their own apartment or house. As a down payment, it is allowed to use savings transferred to a personal account under the savings-mortgage system program.

Encouraging the birth of children helps improve the demographic situation in the country. Therefore, when a second child appears in the family, the state pays money to the mother. This is expressed in a certificate, which can be used to buy your own home.

Mortgage promotions from Sberbank today provide for the possibility of using the payment as a down payment on housing loans. If an addition to the family appeared after the contract was executed, the certificate can be used to repay the principal debt. This will significantly reduce the amount of mandatory monthly contributions and reduce the impact of the loan on the family budget.

The conditions apply to both the purchase of finished real estate and those under construction. Maternity capital can be used in all the promotions and special programs listed above, complementing the simplified purchase conditions. Thus, the birth of a child contributes to a relaxation in mortgage payments for young families.

If you apply the certificate for the first program, the total level of government support will be up to 20% of the total value of the property. This will allow you to close the loan during the grace period and save an impressive amount.

Sberbank turns 177 years old! In honor of the birthday, every 177th application submitted through DomClick.ru on November 11-12 will receive a discount on the mortgage rate of 1.77%*. All clients will also receive a 0.5%** discount when applying for a mortgage on November 12.

How to take part in the promotion?

Every 177th participant who submitted an application through DomClick between 00:00 November 11, 2018 and 23:59 November 12, 2018 local time will receive a 1.77% discount on the Sberbank mortgage rate. Applications sent through DomClick PRO do not participate in the promotion.

A 0.5% discount on mortgages will be available to every client who, on November 12, 2018 (from 00:00 to 23:59 local time) applies for a mortgage in any convenient way: on DomClick, at a Sberbank branch, through developers and real estate agencies - Sberbank partners, managers at Sberbank payroll enterprises.

Discounts within the framework of the promotion are summed up, and the maximum possible discount on the Sberbank mortgage rate is 2.27%.

What programs does the promotion apply to?

Discounts of 1.77% and 0.5% on the promotion apply to the purchase of housing under construction or finished housing under the “Purchase of Finished Housing” programs, taking into account the promotion for young families, the “Showcase” promotion, special conditions “Real estate objects built with the participation of Bank credit funds ", "Use of an individual bank safe for making payments on purchase and sale transactions", "Young family", "Mortgage plus maternity capital", "Letter of credit form of payment", "Collateral object", "Housing loan under two documents", "Secured credit”, “Electronic registration service”, “Secure payment service”, “Approval of a property without an assessment report”, as well as credit products “Country real estate”, “Construction of a residential building”, “Garage” and “Promotions for developers”, including taking into account the “Program for subsidizing the loan rate by the developer partner.”

If I submitted an application before 23:59:59 on November 12, 2018 and it was returned for revision and resubmitted on November 13 and later will I receive a discount? If the application is finalized and sent to the bank later than 23:59 on November 12, 2018, the 1.77 p.p. discount will not be applied to it. and 0.5 p.p.

The 1.77% discount does not apply to employees of Sberbank PJSC and subsidiaries if an application is submitted under the interest rate subsidy program by a partner developer.

Participating in special programs and receiving additional discounts allows you to get a mortgage on the most favorable terms. Let's take a closer look at what Sberbank mortgage promotions are in effect in 2020, their conditions and benefits for the borrower.

Mortgage promotion “Real Estate Showcase from Sberbank” on the secondary housing market when submitting an application through the website domclick.ru

Using the online service for searching real estate for purchasing with a mortgage “Domclick” allows you to receive a discount from Sberbank. This portal represents both a wide database of residential properties available for sale, approved by the bank, and additional services that accompany any mortgage transaction.

Here, in addition to searching for housing, you can use a convenient loan calculator or a secure payment service between the seller and the buyer, order a real estate appraisal, familiarize yourself with the terms of insurance and purchase an insurance policy, apply for a reduction in the rate on an existing mortgage, remotely register property rights and place an urgent order for extracts from EGRN.

Preferential conditions for purchasing secondary real estate from the domclick database within the framework of the “Purchase of Finished Housing” program will be as follows:

The rate of 8.5% per annum is the minimum interest that can be obtained for this product. It can be approved subject to the following conditions:

purchasing life insurance for the borrower;
classifying the client as a participant in the bank’s salary project;
purchasing an apartment from the available real estate database posted on the domclick website;
PV more than 20%;
the age of one of the borrower spouses falling under the Young Family program or being classified as a single parent.

If the listed conditions are violated, the loan rate will be higher than 8.5%:

insurance waiver +1%
no Sber salary card + 0.5%
without the Young Family program + 0.4%
down payment less than 20% + 0.2%
apartment not from the site domclick + 0.3%.
mortgage on two documents + 0.8%.

Russian citizens aged 21 to 75 years old who have sufficient creditworthiness (no more than 40% of the family budget should go to pay mortgage payments) and a stable job with at least six months of experience in the current place.

Obtaining a discount and applying for a mortgage loan includes the following steps:

Submitting an application for a mortgage (you can do this remotely on the portal domclick.ru).
Selecting a specific property on the domclick website and viewing it.
Obtaining approval from Sberbank for the purchase of an apartment you like.
Collection and preparation of necessary documentation.
Housing encumbrance and settlements.

Conclusion: Obtaining a mortgage loan using the domclick service is very convenient and allows you to minimize the interest rate. However, a significant disadvantage here is the limited base of real estate for sale and the need to obtain mandatory approval from Sberbank in case of purchasing a third-party property.

Promotion for a mortgage in a new building

Since June 9, 2018, a promotion has appeared for Sberbank mortgages in a new building, which consists of obtaining a loan for the purchase of housing in accredited properties from a group of selling companies. The program participants are 1,731 development companies offering housing under construction throughout Russia (in almost every constituent entity of the Russian Federation).

The essence of the promotion for a mortgage in a new building is to provide the borrower with a reduced interest rate, which is subsidized by the builder or developer. The idea is simple: the bank or intermediaries increase the volume of apartment sales to sellers, and they give buyers some discount. Regular marketing that allows a construction company to earn money.

The subsidy period depends on the financial situation of the developer.

Loan terms are presented below:

Interest	Bid, %	Allowances
Base rates	8,7	+ 0.3% if PV is from 15-20%;
Subsidized rates for up to 7 years	6,5	+ 0.3% if PV is from 15-20%; +1% if you refuse insurance; + 0.5% if you do not have a Sberbank salary card; + 0.3% if the mortgage is based on two documents.
Subsidized rates for a period of 7 years 1 month. up to 12 years old.	7,2	+ 0.3% if PV is from 15-20%; +1% if you refuse insurance; + 0.5% if you do not have a Sberbank salary card; + 0.3% if the mortgage is based on two documents.
Subsidized rates for a period of 12 years 1 month. up to 30 years old.	7,7	+ 0.3% if PV is from 15-20%; +1% if you refuse insurance; + 0.5% if you do not have a Sberbank salary card; + 0.3% if the mortgage is based on two documents.

The key advantages of participating in a mortgage program with a subsidized interest rate are:

reduced interest rate and minimal overpayment on the loan (this will be especially important for borrowers planning to pay the bank early);
transparency of all conditions (everything will be spelled out in detail in the loan agreement);
accreditation of objects by the bank, which means recognition of the reliability of the developer.

Among the disadvantages are:

limited period of subsidization (the reduced rate will be valid for no more than 12 years from the date of conclusion of the transaction);
the likelihood of stimulating sales of real estate with low demand among buyers, which may indicate the quality of housing and the prestige of the area;
participation of only developers accredited by the bank;
sale of apartments at basic prices without discounts at a higher price than with a conventional mortgage or for cash.

Requirements for borrowers will be standard, and the loan and mortgage application will be processed at a local branch of the bank that specializes in this service.

The loan itself can be issued in one lump sum by transfer to the seller’s account or in two parts: the first is transferred after registration of the DDU, and the second after the period established by the agreement. This calculation option is called.

Family mortgage (children) with state support at 5 percent

Russian families in which a second or third child will be born from the beginning of 2018 until December 31, 2022, will be able to apply for a preferential mortgage with state support, or, as it is called, “”.

The parameters for obtaining a loan are presented in the table below:

A preferential rate of 5% per annum will be established for the entire period until the end of the mortgage.

This mortgage is issued only if the parents provide the bank with a birth certificate for their children and confirmation of Russian citizenship.

How to apply

Applying for a mortgage loan can be done in two ways: online (via the Sberbank website or the domclick service) and by visiting a bank branch in person.

In the first case, all the necessary information about the required loan is filled out in a special form, including the purpose of obtaining, amount, term, and amount of the down payment. Having specified all the data, the user will receive visual information about the required amount of monthly income and a schedule of upcoming payments.

In the second case, the bank employee will advise the client in detail about the terms of the loan and accept the application form along with the required package of documents.

Important! You can apply for a mortgage through a special form on our website. You will also have access to free mortgage advice.

Participating in special mortgage promotions and receiving additional discounts on the current mortgage interest rate allows clients purchasing real estate with borrowed funds to minimize their costs and reduce the final cost of the loan.

Today, Sberbank offers promotions for the purchase of secondary housing through the domclick “Showcase” service, and for the purchase of an apartment in new buildings with subsidized rates from the developer. You can also get a family mortgage with state support at 5% per annum and receive a discount if you participate in the bank’s salary project, take out life insurance and electronic registration of the transaction, as well as if you pay a down payment of more than 20%.

You can also find out the current ones directly on our website.

We are waiting for your questions about Sberbank mortgage shares. Do you still have questions about them?

Please rate the post and like it.

Sberbank announced the second reduction in mortgage rates since the beginning of the year. The reduction is significant - the maximum rate will drop to 10%, while the bank is ready to reduce the down payment requirements to 15%. According to experts, such measures taken together, although they will accelerate the growth of loans, are associated with risks of deterioration in the quality of loans. However, other banks will have to take risks together with the market leader in order not to lose their shares.

On Thursday, Sberbank announced a reduction in mortgage rates for both the purchase of new buildings and apartments on the secondary market. The rate cuts range from 0.6 to 2 percentage points. An apartment in a new building can be purchased at 7.4–10%, on the secondary market - at 8.9–10%. For comparison: according to the Central Bank, the weighted average rate on ruble mortgage housing loans in June was 11.11% per annum. The down payment for the purchase of finished housing has also been reduced by 5 percentage points - to 15% of the cost of the apartment, Sberbank notes. “Sberbank has a rather aggressive policy, since its share in the mortgage market is important to it, it is not going to lose it,” says Yuri Gribanov, CEO of Frank Research Group.

Following the main player, in order not to lose customers, other market participants will be forced to change conditions. However, so far the banks have been restrained in their comments. VTB Group reported that the decision to reduce interest rates is being discussed and will be made later. “We are always in the market and closely monitor changing conditions,” noted the press service of DeltaCredit Bank. “We will study new offers from Sberbank, and if we find ourselves not in the market, we will change our conditions to comply,” explained Gazprombank.

Economists believe that there is potential for further reduction in mortgage rates, including from Sberbank itself. According to the chief economist of PF-Capital, Evgeniy Nadorshin, the 7.4% rate announced by Sberbank, even for a short period, will only be available to borrowers for poorly selling projects, where the developer is willing to pay part of the cost of the mortgage. “Therefore, we can talk about a real rate of about 9.5%, although there is significant potential in the market for a reduction to an average rate of 8%,” he says. “Until the end of the year, we can expect a further reduction in deposit rates and the key rate of the Central Bank, so the cost of funding will continue to decline,” notes Yuri Gribanov. “Nevertheless, by the beginning of 2018, the minimum rate is unlikely to be below 7%.”

Bankers are less optimistic in their forecasts. “In my opinion, the current rate level of 9.5–10% will remain until the end of this year,” says Anton Pavlov, director of the lending and insurance products department at Absolut Bank. “We predict the weighted average mortgage rate by the end of the year will be around 9.25–9.5% per annum,” the press service of DeltaCredit Bank indicated. The down payment offered by Sberbank is not something new for the market. Absolut Bank explained that they have already reduced the down payment, it is 15%. “Since the first quarter of 2017, we have had a 15 percent down payment on both primary and secondary housing,” commented DeltaCredit Bank. At Gazprombank, the down payment starts from 10%.

However, experts see in this decision of Sberbank not so much a desire to keep up with competitors, but rather grounds for concern. According to Evgeny Nadorshin, the bank is extremely conservative in selecting its clients and is usually not inclined to take risks. “A reduction in the down payment by a player like Sberbank may indicate that the market has exhausted the pool of good clients,” he argues. “Perhaps less wealthy people with less savings are coming to take out mortgages. Reducing the down payment will allow Sberbank to select riskier borrowers, but in larger numbers.” However, this can be justified by the fact that the low cost of funding, even with an increase in overdue payments, will allow the bank to earn money due to high margins, he concludes.

Svetlana Samuseva

How much loan can I expect?

The bank always approves the maximum amount that it can issue to the borrower and co-borrowers specified in the application form. However, the loan amount cannot be more than 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower assessment system, which is a commercial secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank refuses you, you can reapply for a loan within the period specified in the accompanying text of the refusal. In some cases, you can reapply immediately.

How to increase your chances of getting a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the bank form instead of a 2-NDFL certificate. An income certificate in the form of a bank is an alternative document that is accepted by the bank as confirmation of the borrower’s income, but in which additional earnings can be taken into account.

I am an elderly person, will they give me a mortgage?

You can take out a mortgage until you turn 75 years old. For example, if you are 65 years old, you can take out a 10-year mortgage.

If I receive a salary on a Sberbank card?

Salary clients of Sberbank, depending on other loan conditions, may receive additional benefits. At the same time, benefits are available if any of the co-borrowers is a salary client.

· If over the past two months you have had at least one salary deposited onto your Sberbank card or account, you can receive a discount on your rate.

· If you have had your salary credited to your Sberbank card (account) in at least 4 of the last 6 months, you will not need to additionally upload an income certificate and a copy of your work record book.

How can I find out the overpayment on my future loan?

You can see the amount of overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a life and health insurance policy for the borrower?

Life and health insurance in the insurance company Sberbank Life Insurance LLC or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate purpose - the insurance company will pay the bank the balance of the debt on your mortgage loan upon the occurrence of an insured event (disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages from Sberbank are issued only to Russian citizens.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a required co-borrower. Exceptions are possible if a marriage contract is concluded between the spouses.

For example, to increase the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in salary projects. And when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital for a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum down payment amount, we recommend using the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

Also, maternity capital funds can be used for early repayment of an existing loan.

What additional costs will there be when applying for a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for assessing the collateral);

· Insurance of the collateral (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· The state fee for registering a transaction in Rosreestr is 2,000₽ at independent registration or 1,400 ₽ for electronic registration instrations (this is an additional service and is paid separately);

· Renting a safe deposit box and paying for access to it (when buying a secondary home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the relevant services.

What is better: new building or resale?

As a rule, an apartment or apartments in a new building are purchased directly from the developer, while resale apartments are purchased from the previous owner.

No one lived in the new building before you, the price per square meter is less than that of an apartment of the same class in the secondary market, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at your place of residence, the elevator and gas will not be turned on until Most of the residents will not move in; most likely, they will have to wait for the development of infrastructure and the completion of repairs from the neighbors.

As a rule, you can move into a secondary property and register immediately after purchase; the infrastructure around it is already developed, however, most likely you will have to be content with a standard layout, worn-out communications, and you will need to check the legal purity of the property and the parties to the transaction.

What is the processing time for a loan application?

Review of the application does not exceed two days, but most clients receive approval on the day of application.

How does the process of obtaining a mortgage from Sberbank through DomClick work?

Depending on the type of property and other parameters, the process of obtaining a mortgage may vary.

However, the first stage is the same for everyone - submitting an application for a loan. To apply, calculate the loan using the DomClick calculator, register on the website, fill out the form and attach the necessary documents. Review of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet selected a property, you can start doing so immediately after receiving approval from the bank, when you find out the maximum loan amount for you.

When the property has been selected, upload the necessary documents in your DomClick account.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank mortgage lending center.

The last stage is registration of the transaction in Rosreestr. Congratulations, you're done!

Why register on DomClick?

After registration, you will have access to a consultant’s help in the chat and a borrower’s questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving loan approval in the borrower’s personal account, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the bank's decision?

Immediately after consideration of your application, you will receive an SMS with the bank's decision. A bank employee will also call you.

Did you like the article? Share it

Print this article