Borrower application form Sberbank form download

Criteria for completing the questionnaire

The main convenience that the Sberbank mortgage application form includes is with tips for correctly entering information in the appropriate lines. If co-borrowers, mortgagors and guarantors are involved in submitting an application, the application is completed in their presence.

The bank demands truthful answers

Please note: whoever fills out the form for you, by signing it, you agree with everything written in it and are responsible for the accuracy of the information provided. We strongly recommend that if you use someone’s help when filling out the Sberbank application for a mortgage, before you sign it, carefully read it from beginning to end and check all personal information (the correct spelling of your full name, date of birth, passport details) .

What you should never do is lie. Rest assured: the bank will check every comma that you put or don’t put in the application. Moreover, with full right to do so, since by previously signing the paper, you automatically gave your consent to the processing of the data provided and their verification through a variety of channels. So your lie will be exposed pretty quickly, but your reputation will be hopelessly damaged.

Now that you fully understand the degree of responsibility for what you wrote, you can move on to how to correctly fill out the Sberbank application form for a mortgage. We pick up our passport, a pen and a printed application, or we sit in front of a computer monitor and open the electronic form.

The need for an application form

The presence of contact information allows bank employees to find out the contact number, residence address, e-mail, place of professional activity, etc. data for contacting the client to resolve urgent issues.

The questionnaire is necessary to verify the client’s income and expenses. If data on the borrower’s profitability are indicated in the provided certificate (2NDFL, according to Sberbank, free format), then the amount of expenses is known from the completed form.

The questionnaire is used to verify the veracity of the information. This is facilitated by sections on family composition, property, income indicators and their distribution.

For example, the client indicated income in the application form in accordance with the documents presented, this item is counted. However, the entered data on wages must correspond to average market indicators, the level of the enterprise and job obligations.

To the surprise of bank employees, some clients present a certificate of income of 110 thousand rubles. (per month), working as a secretary in the company IP Krizhin with a total number of 15 people. According to statistics, the average salary for an employee is 25 thousand rubles. Such forms are rejected for consideration.

When assessing expenses (for example, when displaying an amount of 15 thousand rubles, the client indicates that his wife is on maternity leave, he has two kids, a large house in the Moscow region, 2 cars), their compliance with the entered data is taken into account .

Employees quickly estimate the cost of living and add additional costs for maintaining existing property. The total amount allows you to find out about the veracity of the entered data. Indirect costs are taken into account.

If you have active loans or arrears, you should not remain silent about it. The bank will know everything from your credit history. In addition to refusal, employees of a financial institution may request to report fraud (an attempt to obtain a loan by providing false information) to the credit bureau.

How to fill out the online form

Stages of filling out an online application for a mortgage at Sberbank:

The applicant needs to calculate the monthly payment of the future loan. In the mortgage calculator, you should determine the loan program, amount and loan term. Particular attention should be paid to services that reduce the interest rate.

Having chosen the best option, you need to create a personal account by connecting through Sberbank Online or registering by phone number.

Go to fill out the form. When logging in using the first method, some fields will already be filled in automatically.

Enter the requested personal data.

Indicate your income and choose a convenient method to confirm your solvency. Be sure to disclose information about additional income (if any), this increases the chances of approval.

Be sure to fill out all fields in the employment section.

Take photos or scan documents and upload them to the website for verification. The data should not be covered with fingers or cover. The applicant must attach to the application a certificate in the form of a bank or 2-NDFL and a copy of the work record book.

If there is a co-borrower, fill out the block of the same name in accordance with reality, indicating his personal data, income and place of work.

Choose the nearest bank office where it is more convenient to sign mortgage documents.

Send an application for consideration to Sberbank.

The response to the questionnaire will be received within 1-5 days. In rare cases, the bank may delay the verification for objective reasons.

Recommendations for completing the form

Sberbank specialists recommend filling out the application at home on a computer. This will eliminate grammatical errors and improve readability (not all people have perfect handwriting). Being in a calm

Providing knowingly false information can ruin your credit history. The information on the form should be concise and to the point. It is not recommended to indicate reasons for past delays, describe in detail the purpose of the loan, etc. The options “probably” or “don’t know” are excluded. They are regarded as an attempt to hide true data.

Collection of documentation

The decision of the banking commission depends on the completeness of the documentation presented. The main list includes:

• Identity document.
• Certificate of income for the last 6 months.
• A copy of the work book. When entering employment data, the OK employee enters information about the number of employees in the company.
• A complete questionnaire filled out by the client, co-borrower, guarantor and mortgagor.
• Documentation for the purchased property can be submitted within 4 months. after the application is approved.

If you have additional credits or debits, you should collect the appropriate documentation. When resubmitting documentation, it is recommended to consult a manager at the bank.

Data checking

Upon provision of all documentation, Sberbank sends them to the security service for verification. This stage affects the possibility of approval. Sberbank requests information about the client to the credit history department (BKI). To be completely sure of its purity, you can personally submit an application or send a request to the BKI through the website of the Security Council of the Russian Federation.

The lack of previously issued loans negatively affects the result. Before applying for a mortgage, you can apply for a loan for household appliances to provide information to the BKI.

A request is submitted to the Pension Fund. Many people receive salaries “in envelopes”, without being able to reflect the large salary at the official level. The Pension Fund will display low deductions from your salary. The bank will refuse, despite the bonuses and bonuses indicated in the documents.

With little earnings and large bonuses, the employer has the right to cut the salary to the amount of the salary, which will not allow repaying the loan obligations. If the questionnaire passes the first 2 stages, then the bank will carry out a check at the place of work, in the law enforcement database, and will provide an answer.

How to fill out a mortgage application form?

A mortgage loan application form is one of the main points taken into account by a financial institution when processing an application. Therefore, it is important to format it correctly and truthfully. Here are the important criteria:

1. Honesty is a rule that must be observed when answering questions. If you provide false and/or incomplete data, there is a high probability of receiving a refusal. After all, the bank has many different channels and sources to verify information.

2. Accuracy. Often, errors in personal information (full name, telephone numbers, company name, etc.) lead to a negative decision on a loan. Due to technical errors, the bank's security department cannot verify the accuracy of the information provided by the client. Therefore, be especially careful to check all information with documents.

3. Sufficiency of information. When providing a mortgage, both you and the bank are operating and risking large sums, therefore, if you provide an uninformative questionnaire, be prepared for a negative result.

4. Amount and duration of the mortgage. At this point, it is necessary, having weighed your financial capabilities, to very correctly indicate the specific amount and period of the loan. It should be taken into account that the bank will also evaluate the above criteria based on its own considerations. And force majeure circumstances cannot be discounted. For example, the period during which you will be insolvent, either temporarily or permanently.

Reasons for refusal

Key indicators include:

1. suspicion of fraud (false documentation of work and wages);
2. negative credit history;
3. discrepancy between the technical and legal indicators of the collateral real estate and the bank’s conditions.

On average, 20% of bank clients do not receive a positive result the first time. If the level of profitability is low, co-borrowers are attracted, a job change is made, or certificates of additional income are submitted.

In Moscow and St. Petersburg, you may encounter a lack of permanent registration, which will affect the refusal. Individuals engaged in entrepreneurial activities are often denied. This category of clients is recommended to apply for a loan for their spouse. Additional refusals occur due to arrears in payment of utilities, age inconsistency and long-term hospital treatment.

Attention! If a refusal is received, the next application is submitted after 2 months.

Sberbank interest rates on mortgages today

Most of Sberbank's mortgage products are characterized by favorable interest rates, ongoing discounts, promotions and special offers from the lender's leading partners. The level of loan rates for mortgage programs is presented in the table below.

The table shows that the minimum interest (from 8.5) can be obtained as part of the program for purchasing housing in new buildings taking into account government subsidies, in individual residential complexes from Sberbank partner developers, or by obtaining a family mortgage.

The following surcharges may apply to base rates:

• +0.5 p.p. – for clients who do not receive their salary to a Sberbank account/card;
• + 0.2 p.p. — for a mortgage payment of less than 20%;
• + 0.3 p.p. — for refusing the “Showcase” campaign;
• +1 p.p. – when taking out only property insurance;
• +1 p.p. – until the property is encumbered in favor of the bank.

When planning to apply for a home loan, it is worth studying a sample of filling out a form for a Sberbank mortgage . Additionally, you need to take into account existing risks and sensibly assess your capabilities. The financial institution takes into account whether the potential borrower meets the requirements.

The citizen's age must range from 21 to 75 years. The maximum age limit is set at the time of closure of obligations. The official length of service at the last place of work is taken into account. It must exceed more than six months. Additionally, it may be necessary to attract guarantors and provide collateral.

Unspoken rules

The basic rules for filling out an application for a mortgage loan in the SB of the Russian Federation are accessible and understandable, but there are nuances regarding filling out sections indicating information about the client, co-borrower and guarantors. The presence of errors may affect the failure. In the “Marital status” section, a positive answer is welcome. When choosing co-borrowers, special attention is paid to the number of children in the family under the age of 18. As this indicator increases, the chances of obtaining a loan increase.

When indicating the place of work, a landline telephone number is entered, by which bank employees can check the information. If the loan amount is large, introducing informal sources of income for co-borrowers will have a positive effect on the result. It is important to display the availability of property assets and accounts in other financial organizations. When preparing an application, enter a dash or the word “no” in all empty fields. Unanswered questions may be regarded as inattentive completion of the questionnaire.

For guarantors

When applying for large loans in the Security Council, you may need not one, but 2 or more guarantees. Relatives or third-party individuals act as guarantors. Particular attention is paid to the main aspects:

• Availability of permanent employment for 12 months. and more.
• High profitability: monthly loan payments should be no more than 40% of the guarantor;
• Availability of property, emergency or a valid deposit in Sberbank.
• If the guarantor has previously been a borrower with a positive credit history, this fact will influence in favor of the client.

Application form for a mortgage at Sberbank

A mortgage application form at Sberbank is a form developed by the institution’s employees, which is filled out by a potential borrower in order to assess the likelihood of issuing loan funds and signing a mortgage agreement. The questionnaire form is divided into several sections: information about the loan, information about the parties to the transaction, the financial part, information about existing loans, information about collateral.

In the first section, the applicant indicates the amount he hopes to receive from the bank branch, the period for which he needs this amount, as well as the method of repayment and the purpose of the loan. The applicant should not assume that banks always provide an amount less than stated and that, in this regard, it is necessary to indicate an amount greater than what is actually necessary. In fact, only the relevant bank employees make the decision to grant or refuse a loan, and if they consider it appropriate to issue the declared amount, that is what the applicant will receive. Particular attention should be paid to the methods of loan repayment, which consist of an annuity and differentiated scheme. To understand which of them will be more profitable, you should contact the Sberbank manager with a request to calculate the payment schedule for both.

The next section of the mortgage application form at Sberbank is the section containing complete information about the borrower, family members of the borrower, and guarantor. It indicates the contact information of all participants in the transaction, according to which bank security officers verify the information specified by the applicant. Also in this section, you should note your marital status, degree of relationship with the co-borrower (if any), and social status. This section also contains information about movable and immovable property owned by the applicant. When filling out the form, you should remember that in the fields for which information is missing, you must put a dash or the word “no”, but do not leave them blank.

The section containing information on the financial part (income, expenses of the borrower and guarantor) displays the officially confirmed income of the parties to the agreement. As for expenses, large acquisitions should be indicated, and bank employees calculate amounts such as expenses for daily living independently, based on the subsistence level. The section with information on existing loans contains data on loans issued to the applicant on the day the application was compiled. It should be remembered that you should not hide any information, since the credit institution has the ability to check your credit history. The last section of the form is information about the collateral. The questionnaire is drawn up in one copy and signed by all parties to the agreement indicating their last names, first names and patronymics.

How to apply for a mortgage online?

To save time and nerves, the SB of the Russian Federation suggests applying for a mortgage through the Sberbank Online service.

When visiting the official website of SB, in the “Loans” section, you need to find the “Loan Application” column and fill in the necessary data:

• FULL NAME.
• Loan type.
• Sum.
• Contact phone number.
• Email.
• City of residence.
• Amount of income.

The control code is entered (usually there are 4 of them) and a call from the Security Service representative is expected. If an application from a registered Sberbank Online user is approved, a letter will be sent to your email with instructions and recommended actions for obtaining a loan.

The decision to issue a loan is made within a few hours, in the absence of debt on previously issued loan products and a sufficient level of solvency. Your mortgage application may take longer to process due to more in-depth background research.

The refusal to issue a loan is influenced by an unclean credit history and debt in other financial institutions.

conclusions

An application form for a mortgage loan from Sberbank is a form consisting of many sections relating to the personal data of applicants, their level of solvency and the parameters of the property being purchased. You can fill it out at a bank branch or yourself on the company’s official website. During registration, be extremely careful to avoid serious mistakes.

The terms of housing loans at Sberbank state that in order to be able to obtain them, you must prepare a special application form to receive a mortgage product.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to find out how to solve your particular problem , contact a consultant:

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The form of this questionnaire was developed by Sberbank - all the borrower needs to do is download it, fill it out and submit it to the banking institution. Next we will look at the filling procedure in more detail.

Attractive aspects of applying for a loan at Sberbank Online

The Security Council issues loans in domestic and foreign currencies (rubles, dollars, euros). The client is given the opportunity to apply for a loan with or without a guarantor. The Sberbank Online system reduces application processing time and waiting time. The main convenience is the availability of a loan in any corner of the country, with access to the Internet and cellular communications. Attractive points are low rates, promotions and discounts from partner companies.

Before applying for a loan, you can use the SB loan calculator, which allows you to make a preliminary calculation of the amount of monthly payments under the loan agreement.

Applying for a mortgage from SB is a serious matter. When filling out the form, it is important to remember to check the data multiple times. The signature below indicates the client's confirmation of the information provided.