Documents for a mortgage for a Sberbank mortgage new building

The guarantee that the bank will return the loan funds borrowed for the purchase of housing is a mortgage note obtained from Sberbank or another credit organization. By issuing long-term loans, the bank protects itself with documents guaranteeing that the contracts concluded with citizens will bring profit. Those who are planning to take out a mortgage for an apartment should know what documents are needed and what the procedure for obtaining a mortgage is.

Mortgage: what is it?

A mortgage is made so that the borrower can carry out legal actions from the moment of registration of his rights to housing until the moment when the encumbrance is removed.

The bank wants to obtain a mortgage in order to protect itself from circumstances that may prevent the borrower from fulfilling loan obligations - repaying the debt on time.

A mortgage certificate is a security that limits the rights of clients who have taken out a mortgage. The document is one of the types of loan agreements and serves as direct evidence that Sberbank has the right to collect property acting as collateral.

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Description of the document

Russian legislation defines what information must be reflected in the guarantee drawn up when applying for a mortgage:

name of paper;
details of the mortgagor/pledgee;
Full name of the client who signed the mortgage agreement;
place of registration, date and number of the contract concluded with Sberbank;
amount of obligations: loan body, loan interest and commissions;
a full description of what serves as collateral;
official value of the collateral;
the presence or absence of an encumbrance on other persons;
information about the depository where the document will be stored;
data on powers of attorney from both Sberbank and the client;
information about state registration of the transaction;
delimitation of the rights to real estate of the mortgagor and the debtor.

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Sample

Before you sign an agreement with a financial institution, it is advisable to find out what a pledge certificate looks like, or better yet, download and carefully study its sample. This should be done, since we are talking about protecting financial interests.

Mortgage for an apartment: what is it, details of registration

If the bank has lost the mortgage, it is obliged to duplicate it. Refusal to issue a document to a borrower due to its loss is considered illegal. The borrower has the right to go to court. The law provides for serious liability for the withholding or loss of a mortgage.

Plot of land . There may be no buildings on it. The cost of a plot is estimated depending on its location and size.
Non-residential premises . Warehouses, offices, summer cottages, garages and other non-residential premises, the condition of which has been assessed by specialized organizations, can serve as collateral.
Apartment in an apartment building . It is much easier to register an apartment as collateral than any other premises. If necessary, the bank will easily sell the apartment, since the demand for them is always quite high. However, before taking out a mortgage, a home appraisal is carried out. Only apartments in good condition, with all communications and in a building built no earlier than 1970 can be used as collateral.
Private house, cottage . If a private house is mortgaged, then the same mortgage includes the plot of land on which it is located. Credit organizations agree to register private houses as collateral if they are located not far from the city, are in good condition and have high fire safety.

How is a mortgage issued at Sberbank?

The owner of the certificate has the following rights:

require the client to fulfill the clauses of the concluded contract;
claim the pledged property in the event of delays and termination of payments.

The clauses of the agreement can only be changed with mutual consent of the parties. The conditions specified in the contract cannot be changed even if Sberbank sells the pledge certificate.

A guarantee cannot be drawn up if the following factors are present:

the economic entity acts as the security object;
a leasehold right has been issued for the property;
it is impossible to determine the amount of security obligations.

The registration procedure involves drawing up 1 copy of the certificate, certified by the signatures of the borrower and a representative of Sberbank. The paper is registered and sent for storage.

The borrower can pick up the paper only after the mortgage has been fully repaid.

Expert opinion

Alexander Ivanovich

Financial expert

Important: each security price has an estimated value, which is established after an expert assessment of the property.

Before ordering a security, you must provide a package of documentation requested by the financial institution.

Registration of a mortgage after delivery of the house

The bank provides loans no earlier than the moment when the future owner, as well as the state. the commission will accept the property being put into operation. The conclusion of the agreement is carried out in parallel with the collection of documentation for registering property rights.

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At the final stage, the parties sign the act of acceptance and transfer of the object. Only after the official delivery of the house can the owner of the new apartment start collecting all the necessary papers.

Mortgage for an apartment with a mortgage from Sberbank: registration rules

The document on the assessment of mortgaged housing must necessarily contain information about the subject of the assessment: technical plan of the apartment, type of repair, condition, degree of wear. The calculation of the market value of real estate is influenced by the presence of social infrastructure in the area of location, convenience of transport links, social significance, etc. The accompanying note must include photographs of the object.

When a mortgage is issued with a Sberbank mortgage, it depends on the moment of transfer of ownership of the object to the buyer. Registration of a mortgage by force of law, that is, when purchasing real estate using borrowed funds, is carried out simultaneously with the registration of ownership. Accordingly, in the case of a new building, the document will be prepared by Sberbank employees after the house is not only built, but accepted by the state commission and the future owner.

Documents for obtaining a mortgage under a Sberbank mortgage

A documentary guarantee will be issued only after the following documents are submitted to Sberbank:

technical passport of the laid quadrature;
insurance contract;
loan contract;
expert assessment certificate;
extract for the object from the Unified State Register of Real Estate;
act of acceptance and transfer of real estate.

At the initiative of Sberbank, the list of required documents may be expanded.

What is needed for a mortgage at Sberbank

The original mortgage remains with the bank for the entire period of validity of the mortgage agreement, until the borrower repays the loan in full on time or ahead of schedule, after which a document with a note about the obligations fulfilled in full is transferred to the borrower for the procedure of removing the encumbrance from the purchased apartment on a mortgage loan.

For some mortgage lending options (secured), in addition to the required documents, a mortgage is drawn up in Sberbank, which the borrower signs along with the loan agreement. The document, which is a security, is drawn up on the basis of the borrower’s statement of intention to secure the loan as collateral.

26 Jun 2020 stopurist 364

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How to return the mortgage after paying off the mortgage?

After completion of all settlements with the financial institution, the pledge certificate must be returned to the owner of the real estate. It is kept by the holder of the pledge. Also, due to certain circumstances, it can be transferred to third parties, about which the bank is required by law to inform the client.

The borrower must know where to apply for a mortgage.

According to the rules, immediately after depositing the last amount, the lender must contact the issuer’s administration with an application, for consideration of which no more than 30 days are allotted.

The mortgage is not kept by the former borrower. It must be submitted to the MFC along with:

an extended type extract from the Unified State Register of Real Estate;
a purchase and sale agreement for an object that served as collateral.

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The landlord is given a receipt, in which a note is made that the encumbrance has been lifted.

The MFC transfers the mortgage to Rosreestr.

What is needed for a mortgage at Sberbank

You need to contact Sberbank. The mortgage is issued there, or at any other bank where the loan is taken out. It is drawn up at the same time as the mortgage agreement. The one who applies for the loan already has all the documents for obtaining a mortgage. Sberbank does not require anything more. Before signing the papers, carefully study both the agreement itself and the mortgage. Everything should be clear and not contradictory.

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It must be registered with special government agencies. But you must apply in this regard strictly within the specified time frame, otherwise the document will become legally invalid. It becomes a full-fledged document when it is entered into the banking database.

What to do if the mortgage is lost?

Losing a pledge certificate is a rare occurrence. If this happens, the borrower should submit an application to Sberbank for a duplicate.

Expert opinion

Alexander Ivanovich

Financial expert

Important: the duplicate must be one hundred percent identical to the original. The lender should check the consistency of the data.

If over time a lost certificate is found, it will not have any legal force.

Documents for obtaining a mortgage from Sberbank in 2020: applying for a mortgage correctly

Conclude a DDU. In the document, indicate the parameters of the apartment under construction, the conditions for its acquisition, the construction period, the amount of the down payment, and the payment procedure.
Contact the bank and apply for a loan.
Once it is approved, sign the mortgage agreement and register it and the DDU.
Receive the amount specified in the application from the bank and transfer it to the developer.

To be guaranteed to get a mortgage loan from Sberbank, you need to follow a few simple rules. It is important to prepare well for your first visit to a credit institution, clearly determine the loan amount, fill out the application correctly, and provide the loan specialist with documents that would one hundred percent confirm your solvency.

Mortgages and derivatives

Borrowers should be aware of such a concept as derivatives. This is a secondary security, the value of which is a derivative of the price of the underlying asset.

These investment instruments have the following features:

high degree of reliability;
wide range of prices;
low liquidity;
tax benefits on coupon income;
state guarantees;
low interest rate;
up to 30 years of repayment;
depreciation payments.

Mortgage certificates can be issued by organizations that have received a license for this type of activity.

What documents are needed for a mortgage in Sberbank for an apartment in 2020

State program “Mortgage plus maternity capital”. To participate in the state program, the bank will require documentary evidence of the right to receive maternity capital. You will also need information from the compulsory pension insurance fund, which indicates the balance of available funds for the purchase of real estate. The certificate is valid for 30 days, so it needs to be certified last.

Interesting: At what age can you

If you decide to use a mortgage lending service, do not rush to collect the entire package. For the first part of the design, you will only need the initial list. After the credit institution approves the amount of the available credit limit, the borrower will have no more than 120 days to find suitable housing. Collect everything else after you decide on the property.

Features of mortgage registration

The paperwork is completed according to a certain scheme, and first the client contacts Sberbank with a request for a loan, he should wait for the bank’s approval and find a residential property. After that, it is assessed by experts, and the bank calculates the maximum loan amount. Only after the purchase and sale agreement has been formed should you begin to process the mortgage. A person collects documents for registration of a mortgage in Sberbank, which always remain standard.

It is drawn up by the debtor with the participation of the bank, and the result is certified by Rosreestr, which ensures that a note about the encumbrance is entered in the register of property rights and on the certificate of existing ownership rights to the apartment itself. The mortgage is provided to the mortgagee, represented by the bank, when the state registration of the mortgage agreement is carried out. There are also nuances related to the fact that by agreement it is possible to change the subject of the mortgage, reducing or increasing the amount of requirements under the loan agreement. But this decision must be notarized and made exclusively in writing.

At Sberbank, the mortgage document is usually drawn up simultaneously with the signing of the loan agreement. The mortgagor, that is, the client, personally fills out the document on a separate form; this must be done as carefully as possible, because corrections and errors are not allowed. In addition, it is worth checking information about both the property and the mortgagor in advance, so as not to encounter inaccuracies and problems in the future.