If it is necessary to apply for a loan for any purpose, the client must provide complete information about himself. This happens by filling out an application for a loan at Sberbank.

Today the bank offers its clients a whole line of loan products for different occasions.

The application form for a Sberbank loan is a standard six-page form. Any citizen has the right to enter data into it: borrower, guarantor, trustee, bank employee in writing or in printed form (using software). All sections must be filled out; skipping columns is not allowed. If there are corrections, the signature of the person concerned must appear next to them.

The first thing a client needs to do is select a loan option. For the convenience of borrowers, a single version of the form is provided for providing information about themselves, regardless of what type of loan is issued - a mortgage, a car loan or any consumer loan. Five pages concern data about the borrower himself, and only the sixth indicates wishes regarding the type and parameters of the loan:

1. The amount of the desired amount;
2. Currency;
3. Duration of interaction;
4. Type of loan: consumer, mortgage, car loan.
5. Description of the characteristics of the selected option: loan without collateral, secured, with a guarantee, for personal farming or make, type, year of manufacture of the car. With a mortgage - ready-made, for construction, according to NIS; description of the property and its value.
6. Option for receiving a loan: to an existing account (enter the number) or you need to open a new one.

Sample forms of questionnaires and applications for obtaining a loan from Sberbank

You can obtain a sample of it in advance and familiarize yourself with all sections. What should you definitely pay attention to? In several places it is required to confirm the specified information with a personal signature. This applies to the following:

• After specifying personal information and characteristics;
• As confirmation that all data is true and current;
• Certificate of the selected loan type.

The future borrower can download the form to fill out on the official website of the banking institution

Required documents to obtain a loan

If you download the form in advance, you can enter all the information about yourself in a comfortable environment. This will avoid mistakes and will have a positive effect on the correctness of the information presented. Since it needs to be provided to the maximum extent, certain documents will be required:

• Passport ;
• Labor book;
• Personal income tax-2;
• Property papers;
• Pension and salary cards, if accruals occur through this bank.

The same documents will be needed if you decide to submit an application in person at a bank branch. This option makes it possible to use the help of an employee in difficult moments.

<Кредит на покупку автомобиля заполняется в аналогичной анкете, где указывается графа Автокредит

Procedure for filling out the form

The procedure for filling out the data of the future borrower does not cause any particular difficulties. The form contains the following main points:

1. Role in the program (borrower, guarantor, co-borrower).
2. Personal and passport information. If it is changed (last name, first name), you need to note the previous ones and the reason that caused it.
3. Contacts. It is recommended to leave the maximum number of phone numbers, because... this helps speed up the analytics process and decision making.
4. Education.
5. Addresses (residence, registration).
6. Marital status, immediate family. It is mandatory to enter information about the spouse, about other relatives - optional. If among them there is an employee of Sberbank, you should indicate the department or branch where he works.
7. Information about the employer, field of activity, position held, length of service. If this is a bank application for obtaining an individual entrepreneur loan, you need to tick the appropriate box.
8. Financial data: salary income, additional, total family budget, fixed expenses.
9. Property. Description of the apartment, house or car. Detailed specifications will be required. It is worth noting that you only need to submit information about those objects for which the borrower himself is indicated in the property documents.
10. Card numbers for payment of pensions or wages (if available).

Before the Sberbank application form for obtaining a loan is signed, the form must be checked again. The client must check the box indicating his responsibility when providing false or irrelevant information. It is worth reading the 4-5 page text that describes the reasons for using the data.

If you choose mortgage lending, you need to select Housing Loan in the application form.

Then you should enter your credit number to check your history of previous loans through the credit bureau. Having entered the date and time, you should hand it over to the employee, who is required to confirm its receipt with a personal signature. This will indicate that information about the applicant is being processed.

If a person decides to buy a home on credit, he will have to fill out a form to obtain a mortgage from Sberbank. Paper plays a significant role when deciding whether to lend money. For this reason, the mortgage application form must be completed correctly. Entering data into the form is not difficult, but a number of nuances should be taken into account in advance.

basic information

Sberbank's mortgage application form is a general document. It can be obtained and filled out at any branch of a credit institution. The document form is also posted on the bank’s official website. By downloading an application for a mortgage from Sberbank, the borrower will protect himself from the need to personally visit a company branch to receive the document.

Entering data into the form is not difficult. To fill out the document, the borrower must enter information in the fields of the document or make a selection by checking the appropriate box.

The applicant's signature must be present at the end of the application form. Its presence confirms that the citizen agrees to data processing.

Experts advise exercising maximum care when filling out the document. Incorrect data may cause a refusal to grant a mortgage at Sberbank.

Filling out the document

Filling out the questionnaire can be done on a computer or manually. The choice of method depends on the convenience of the client. When entering data, you need to take into account the following tips:

1. The client must try to provide Sberbank with the most complete information by entering data into most fields of the questionnaire. The fields can only be left blank if the person does not have the information to fill them out. If the application is half-empty, the likelihood of it being rejected will increase.
2. Only reliable information must be entered into the form. The data provided in the application is subject to verification. If Sberbank employees discover that a potential borrower has tried to deceive a credit institution, the loan request will be rejected.
3. Before submitting an application, you need to check the accuracy of the information provided in it. The data must be entered without errors. Particular attention should be paid to your full name, address and telephone number for prompt communication.
4. The size of the desired loan amount should be indicated a little more than required. Statistics show that the bank often reduces this indicator.

The document form contains prompts indicating the information that needs to be entered in the fields of the application. If the applicant encounters difficulties during the paperwork process, he can be helped by a sample of filling out the application form for a mortgage at Sberbank, which we have attached below.

The presence of guarantors and co-borrowers complicates the procedure for filling out an application. The application form will require you to indicate their passport details. For this reason, experts advise filling out the form in the presence of co-borrowers and guarantors.

Section No. 1

The first section is general. It contains a comprehensive description of the mortgage loan being processed. Section No. 1 should contain the following information:

• The purpose for which the borrower wants to receive funds;
• Type of loan;
• The period during which the borrower plans to make full payments on its obligations;
• Features of closing debt to Sberbank.

When indicating the time period during which a person plans to repay the debt, it must be taken into account that the period must comply with the conditions of one of the existing mortgage programs. Failure to comply with the established framework may result in the application being rejected.

Particular attention should be paid to recording the specifics of debt closure. As part of this paragraph, a person must indicate the form of payments - annuity or differentiated. It should be remembered that debt closure under most mortgage programs is carried out using the first type of payment. To avoid making a mistake, experts advise clarifying this issue with a Sberbank specialist before entering data into the form.

Section No. 2

Section No. 2 contains information about the persons participating in the transaction. Typically these include:

• A borrower who wants to borrow money to buy a home;
• Guarantors;
• Co-borrowers;
• Pledgors, if they take part in the transaction.

According to the rules in force at Sberbank, complete information must be provided about each person involved in the transaction. In the section you must indicate:

• Personal data of the applicant and other persons who will appear in the loan agreement if the bank agrees to lend money;
• Marital status of the person;
• Place of work.

When entering information about co-borrowers and guarantors, it is necessary to indicate their degree of relationship with the applicant, if any. Statistics show that if the parties to the transaction are relatives, the credit commission’s trust in them increases significantly.

The likelihood of approval of the application will also increase if the person wishing to receive a loan already has real estate or has an additional source of income.

Section No. 3

The third section is necessary to reflect information about the financial position of the applicant and other persons participating in the transaction. If a sample mortgage application form is used, Sberbank will ask the client to provide truthful information. When indicating information about the amount of income, you need to take into account that the credit commission will take into account only the monthly amount of money that the potential borrower receives at the official place of work.

The section contains the column “Additional income”. It is intended to indicate information about profits that are not part of the salary from the official place of work. This section includes income received from:

• From the rental of real estate;
• For carrying out labor activities at an additional place of work;
• From relatives as financial assistance.

Having indicated information about income, the borrower must also mention monthly expenses. Expenses are usually not specified. A generalized figure is entered in the column.

Experts advise not to downplay its importance. Banks know the average amount of expenses a person incurs every month.

Section No. 4

If Sberbank is chosen to receive a loan to purchase a home, the mortgage application form will contain section No. 4, intended to indicate other unclosed loans. If a person has outstanding debt obligations, this fact is not always an obstacle to obtaining a loan to purchase a home. However, the borrower will have to notify the company about the availability of loans. When filling out section No. 4, you will need to indicate:

• Credit institutions in which the applicant has unclosed debt obligations;
• The amount of debt that the applicant has left to repay;
• The period required to close loans.

Experts do not recommend hiding the fact of having unclosed debt obligations. The application form for obtaining a mortgage must contain information about their availability. Sberbank performs data verification of applied clients. If it turns out that the applicant has unclosed loans, the mortgage will be denied.

Before receiving a loan to purchase a home, small debt obligations should be closed. Performing the manipulation will increase the chance of approval of the application and reduce the amount of overpayment on the mortgage. The credit limit may also be increased.

Section No. 5

A mortgage is issued strictly against real estate.

This is the housing that a person purchases with bank money. The presence of collateral allows Sberbank to protect itself from loss of funds in the event of a borrower violating the provisions of the loan agreement.

Section No. 5 is intended to describe the real estate that will act as collateral. When thinking about how to fill out a mortgage application form at a credit institution, the borrower must enter the following information:

• Property location address;
• The physical condition of the apartment or house;
• Size of the purchased object;
• Property price.

When assessing the collateral, Sberbank takes into account not only the price of the property, but also its liquidity. The company is more willing to lend money for the purchase of housing that:

• Located in an urban area;
• Equipped with all communications;
• It has a convenient layout.

Facts influence the speed of home sales. If the company understands that significant difficulties may arise during the sale of real estate, the likelihood of the application being rejected will increase.

Application form sample

Examples of filling out the form

Existing nuances

If a person has chosen Sberbank to borrow money to buy a home, the mortgage application form will be simple. However, a number of nuances are still worth taking into account.

Applying for a mortgage from Sberbank to purchase housing is a rather serious step that requires a reasonable approach. You need not only to choose a lending program, write an application for a mortgage, collect the necessary documents, but also to realistically assess your capabilities and anticipate risks. If an informed decision has been made, you need to start by studying the loan products that Sberbank currently offers, as well as the requirements and terms of provision. The borrower's age must be from 21 to 75 years (at the time of loan repayment), and the official work experience in the last place is more than 6 months. In addition, such a large transaction will most likely require the use of guarantors or collateral, so be prepared for this.

If you meet the requirements and are confident in your ability to pay, you can begin preparing to get a mortgage. The process is slow, so you need to be patient. First, you need to figure out how to fill out the mortgage application form correctly, since the bank will make the final decision based on the information provided. Therefore, you need to approach its filling wisely.

How to fill out a mortgage application form

The application form for obtaining a mortgage is a weighty argument when Sberbank makes a decision, so it must be filled out as correctly and honestly as possible. So, the main criteria:

Honesty is one of the main principles that you should adhere to when writing answers. If you hide any information or give distorted information, the bank will still find out the truth, since they will check the potential borrower through a variety of channels, the existence of which you may not even know. And if deception is revealed, this is already a big minus and the likelihood of receiving a refusal.

Accuracy. There are often unfortunate situations when a mortgage was denied due to technical errors when filling out the application form, as a result of which an error was made in spelling the surname, contact information, organization names, and so on. For this reason, security department employees cannot check the client or reach him on a particular phone number and make a negative decision on the request. Therefore, check all data very carefully for spelling errors.

Completeness of the information provided. There are often cases when a bank refuses mortgage lending due to the borrower’s half-empty application form. You are asking for a fairly large amount, which involves certain risks, both for the bank and for you. Therefore, please provide as much information as possible about yourself to the bank so that it can check you.

Amount and terms of the requested loan. It is also necessary to approach this issue as intelligently as possible and indicate the actual size and terms of the loan, assessing your capabilities, and taking into account that the bank will also evaluate them from its own point of view. Soberly compare your own income and the requested amount, while not forgetting to take into account the risks in the form of force majeure, when you may temporarily or completely lose the ability to pay the mortgage.

Rules for filling out the form

Each credit institution develops its own individual application form that a potential borrower must fill out.

You can fill out the application at a Sberbank branch yourself or with the help of an employee. In addition, the official website of the bank offers to download the form on the Internet. In this case, you can fill out the form at home by hand, having previously printed it, or electronically. In the latter case, the questionnaire is printed after the answers are ready.

The application must be filled out in blue or black ink, block letters, and clear and neat handwriting.

Application form for obtaining a mortgage at Sberbank

Download the loan application form to fill out

Corrections in the document are allowed, but they must be certified by the signature of the person whose data was corrected.

A third party can fill out the form for you, but you sign it. And you also bear all responsibility for the information provided. Therefore, check what you write carefully before signing.

It is best to fill out the document together with the co-borrower and other persons involved in the transaction. You also need to take into account that a separate application form, filled out in detail and correctly, will be required from each of them.

Sample of filling out a mortgage application form at Sberbank

The application form for obtaining a mortgage contains 6 A4 pages and consists of several sections. Conventionally, they can be divided into:

Personal data, starting from full name and ending with data of immediate relatives;

Information about the financial condition of the borrower (indicate place of work, income level, availability of property);

Information about the requested loan (how much you need, for how long);

Block of consent to the processing of personal data.

Sample form

Download a sample of filling out a loan application form

In order to write an application correctly and not get confused when answering this or that question, study in advance the sample form, which can be downloaded on our website, and the main points of what and how to indicate. Also, carefully read the tips written in small print to avoid mistakes.

1. Role in the proposed transaction. If you are the borrower yourself, check the appropriate box in the left column. There is no need to fill in your full name in the right column; other participants in the transaction (co-borrowers, guarantors) must write their data there. There is a separate column for your data.
2. Personal Information. Here indicate your full name, date and place of birth. Please note that the place of birth must be written as indicated in the passport.

IMPORTANT: If you do not have a TIN, it is advisable to first create one so that you have a number, since this is an important document that is used to verify you through the tax authorities.

Fill out your passport information carefully and without errors, especially the name of the authority that issued the document. If you have a valid foreign passport, check the box next to it.

Data on changes in full name are important, as they allow you to check a person’s credit history or criminal record before changing their last name. Therefore, be sure to indicate your previous full name, if you changed it, as well as the reason for the change (most often it is marriage).

Contact information is telephone numbers where you can be reached. The more you include, the better. You will look like an honest borrower in the eyes of the bank if you provide many ways to communicate, because phone numbers may change, get lost, be transferred to third parties, or become unavailable.

IMPORTANT: Having landline phone numbers significantly increases your chances of success.

Addresses. The application form requires full indication of the addresses of actual residence, registration or temporary registration. The very first and most important thing is the permanent registration address. Before you start applying for a mortgage, you must take care of its availability. If the place of actual residence coincides with the registration address, then this block does not need to be filled in. You just need to indicate the timing of how long you live in a particular place. If you have a temporary registration, then an important point is its validity period, since a mortgage loan is issued only until it expires.

Education and marital status are indicated by ticking the appropriate box. If there is a marriage contract, we note its existence. You also need to indicate whether you have children.

The “Relatives” section has more significance than it seems at first glance. Here you do not need to indicate the details of all relatives, but the closest ones are required. If you are married, then your spouse’s details must be entered, since he or she is automatically a co-borrower in this transaction (in the absence of a marriage contract). If you have children, you must indicate their details without hiding the number of children. The presence or absence of a child is an important criterion when making a decision by the bank. For example, if there are many children, then the income should be significant. Or another case: a young family who does not yet have children applies for a mortgage. In this case, the bank considers them as risky clients for itself, since there is a high probability of having a child, which means an increase in expenses. In addition, such clients will probably ask for a deferment on their mortgage, since they have a legal right to do so. If the family already has one or two children, then the situation is likely to remain stable throughout the loan repayment period. In addition to children, the questionnaire must indicate the details of parents or adult sisters and brothers.

Information about the main work. Here you will need to indicate the details of the company where you are currently employed. Fill out the information as detailed and accurately as possible. If you don’t know something (for example, the organization’s tax identification number, the exact name of your company, how many people work here), clarify this in advance. Fill out information about how long you have been working at your current place, how many times you have changed jobs over the past three years and your total length of service as accurately and truthfully as possible, since the bank will still check and verify this data.

The monthly income section is the main section, because it is based on the specified data that the bank will judge your solvency. The main point is the amount of income, which you can officially confirm (this could be a personal income tax certificate from your place of work, an extract from a salary card, a statement of receipts to a bank account, etc.). If you have personal other sources of income, feel free to indicate them, but do not exaggerate their size. Write it as it is. If not, leave the field blank. Filling out the “recurring expenses” field may cause some difficulties. Here you need to be as honest as possible, and first of all with yourself, because you will then pay the monthly loan fee and manage the remaining amount of your monthly income. If a mortgage is purchased for a young couple or family, indicate the amount of your monthly expenses. The calculation needs to include payment for renting an apartment, rent, payment for telephone, Internet, school or kindergarten, and so on. This does not take into account taxes, current loan payments (the bank will check them itself), and expenses for food, clothing, etc. If you are purchasing a mortgage for yourself and live with your parents, you must indicate your share in the periodic expenses column. In the “family income” column, indicate the total amount of monthly income, taking into account all sources. You need to write a reasonable amount (we take into account all sources of official and unofficial income of all family members), avoiding inadequate exaggerations.

Information about existing property. Based on the data specified in this column, bank employees will analyze your overall financial condition and solvency (after all, maintaining property sometimes requires a lot of money). In addition, property can to some extent act as a guarantor for the repayment of borrowed funds.

A block confirming your consent to the processing of personal data. Here, having studied everything that is written in small print, you need to put your signature. According to the law, a citizen has the right to give or not give his consent to a data check regarding himself. But in this case, you will have to sign your consent in any case, because without verification the bank will not issue you a loan. But before you sign, you must know what you are agreeing to. The last section is information about the loan you are requesting. Here you indicate the amount and term of the loan.

• in the “Additional information” section you must indicate information about bank cards or accounts opened only with Sberbank, if you have them. There is no need to indicate data on products from other organizations;
• you confirm the accuracy of the information provided and agree to its processing and verification;
• confirm that you have been notified of the bank’s right to refuse to issue a loan without giving a reason, understand and accept the risks associated with the mortgage loan if it is approved;
• give permission to Sberbank to request information about you from the Pension Fund, indicating your insurance number;
• you consent to the transfer of your data to cellular operators for additional verification;
• you allow the bank to check your credit history by indicating the Code of the subject of the credit history (find out in advance) and checking the appropriate boxes.
• At the end, we write the date and exact time of handing over the questionnaire to the bank employee, write our full name and sign. The manager who accepted your application also writes your full name and signs the document.

The last section is information about the requested loan. Here you indicate the amount and term of the loan.

Next, we select the type of “housing loan”, that is, do you want to buy housing in a new building, on the secondary market, etc. (this needs to be decided in advance). We indicate the purpose and special conditions of the loan, if any (promotions, programs, etc.). We provide a bank account number for transferring credit funds (if the account is not yet opened, please open a new account in your name). We complete filling out the form by indicating your full name and personal signature.

How can I make it easier to fill out an application for a mortgage?

To avoid any difficulties when filling out an application for a mortgage loan and not to delay the process, you need to find out and prepare some information in advance and make the necessary calculations.

Documentation. Prepare in advance the documents whose data will need to be indicated in the application form: passport, pension insurance certificate, TIN, Sberbank plastic cards, bank account number, housing or vehicle passport (for filling out information about property).

Calculations. First, calculate how much loan you need and for how long. Approximate calculations can be made on the Internet online using special calculators. Secondly, calculate your official and unofficial income, total family budget, and monthly expenses. Thirdly, remember in advance how long you have been working in your organization and how many jobs you have changed over the past three years, and also count your total work experience.

Phone numbers. Prepare and write down telephone numbers in advance if you do not know them by heart.

Information about the place of work. Often people cannot immediately name the full official name of their organization, how many people work there, much less indicate the tax identification number. Therefore, find out such data in advance.

Thus, filling out an application to obtain a mortgage from Sberbank is not a simple or quick process and requires a reasonable approach. Be critical of your requests, soberly compare your capabilities, and provide the bank with reliable data. All this increases your chances of success. Remember that the bank has the right to refuse you without explanation. Be prepared for different outcomes when your application is reviewed. The reason for refusal may not only be your income level. The bank very carefully checks all the information you provided to it and evaluates your solvency, reliability and its own risks in all respects. If the first attempt was unsuccessful and you were refused, you can submit a new application only after 2 months (60 days). Before re-submitting documents for a mortgage, try to analyze the situation, understand why the bank refused you, and correct your mistakes. Then the chances of getting a positive decision will increase.

Application - application form for a loan to Sberbank

Application - a loan application form is mandatory and is included in the set of documents for applying for a loan, which provides the bank with the necessary information about you, as well as information about what loan product and what amount you need.

At Sberbank, this questionnaire is conditionally divided into 2 parts:

Borrower information

Borrower information

The application form must be completed in printed or handwritten form. It can be filled out not only by the borrower himself, but also by any other person, but according to the words of the borrower, co-borrower, guarantor or mortgagor. If it is necessary to make adjustments to the application, they must be certified by the signature of the person for whom the questionnaire was filled out.

Personal information

Personal data, passport data, data on changes in surname, name, patronymic must be filled in strict compliance with a passport.

Concerning contact information, then phone numbers must be indicated very carefully. The mobile phone number must be indicated in any case and only your own. If for some reason you do not use a mobile phone (for example, hearing impairment), then only then indicate someone else’s number - however, you should understand that this may lead to unnecessary questions from the inspection service.

If the registration address and the address of residence are the same, then the same telephone numbers are indicated. It should be borne in mind that the home telephone number at the residence address and registration address must be landline. It is not advisable to indicate a mobile phone number in these fields.

As for your work number, you should also include your landline phone number here. If you don't know him, you can leave this field blank. It is also not necessary to indicate an email address.

Addresses of permanent registration, actual residence, as well as temporary registration are filled in strictly to the point in accordance with the passport (certificate of registration at the place of residence).

In the loan application Information about immediate relatives must be indicated in the event that these relatives also participate in the application as co-borrowers or guarantors.

Information about the work is provided in your own words. However, if you apply for a loan using two documents, you must check your employer’s TIN in advance, since its indication is mandatory. If you are an individual entrepreneur, then the category of the position held is enterprise owner/general. director/chief accountant.

It is not necessary to indicate information about the ownership of the vehicle; this does not significantly affect the outcome of consideration of your loan application.

Additional Information

The additional information block contains information about the numbers of salary cards/salary accounts, if any. If available, be sure to include this information. The individual insurance number is also indicated here. It is not recommended to indicate it if you receive your salary “in an envelope”. On the other hand, it is advantageous to indicate it if you have a “white” salary, but have a bad credit history. If you specify an ILS number, you must put “Yes” in the consent block for the analysis of information on your personal account.

The credit history subject code is a kind of identifier - a sequence of letters and numbers that is created by the borrower. Subsequently, the borrower can use this code to find out in which credit history bureau his credit history is located. This is done using the Central Catalog of Credit Histories.

Information about the requested loan

In this part of the application form at Sberbank, information about the requested amount and type of loan product is indicated. Here you can also specify additional parameters for different types of loans - information about the availability of preferential conditions (for example, a young family) or the cost of the property and the amount of the down payment (mortgage), information about the seller of the car or vehicle (car loan).

In addition, this part indicates the number of the bank account or card to which the loan funds must be transferred.
The client’s signature is also placed here.

Types of Mortgage Lending

The housing loan option should be chosen based on the type of housing and other conditions. The following programs are currently offered:

After successfully completing these stages, the client signs the contract. After this, he fills out the documents for housing, registers it, insures it and returns to the department with all the documents. The procedure ends with the opening of an account in the name of the borrower for the transfer of loan funds.

The best option for a large family is your own home

The first stage in obtaining a mortgage begins with filling out the appropriate questionnaire. This form contains many sections that you should familiarize yourself with before completing it yourself. This article will provide an example of filling out a mortgage application, and will also discuss all the issues related to this procedure.

Features of obtaining a mortgage at Sberbank

In order for a credit institution to issue a mortgage, the borrower is required to provide a list of documents, which also includes an application for the corresponding loan. In this questionnaire, the client expresses a desire to apply for a loan and provides certain information about himself. The procedure for applying for a mortgage loan is carried out exclusively at a bank branch. To do this you need:

1. collect the necessary package of documents;
2. indicate the selected mortgage program;
3. get a positive response;
4. sign the drawn up agreement.

One of the most important points in applying for a mortgage loan at Sberbank is filling out the application form. If everything is done correctly, the likelihood of receiving a positive response will be much higher.

Sberbank makes it possible to download a mortgage application form electronically and then fill it out. This form can also be filled out by the bank manager from the words of the future borrower. If changes are required in the application, the person whose data is being edited must confirm them. The bank also prohibits leaving any questions from the application unanswered. A potential borrower has the right not to download the application form, but to fill out the appropriate application directly at a Sberbank branch.

Available mortgage programs of Sberbank

You should select a loan program based on a number of conditions, including taking into account the type of housing being purchased. Today, Sberbank offers the following options.

1. Purchasing housing from a company that is a partner of the bank. Moreover, this can be either a ready-made option or a project in a building under construction.
2. , a plot of land outside the city or a private house.

For each of the listed options, Sberbank provides the same mortgage application form.

In addition to all that has been said, Sberbank also offers a number of projects with state support, designed for. The framework of these programs provides the possibility of repaying the amount at public expense. Also, the above programs allow you to use it to pay a down payment.

How to fill out an application for a mortgage?

The mortgage application form from Sberbank is a proprietary form for you to fill out yourself. It includes five pages, with various questions for the borrower, as well as separate fields that need to be filled out by the Sberbank credit manager.

The application form for a co-borrower on a loan is identical to the form for the title co-borrower.

The structure of the document includes the following points:

• indication of your role - mortgagor, co-borrower, guarantor, borrower;
• indication of passport and individual data. If you change your last name, you must also enter the previous one. If you have a foreign passport at your disposal, you must check the box provided;
• indication of all available telephone numbers (mobile, home and work);
• actual address: registration, residence, temporary registration;
• information about relatives - parents, spouse, children. Here the metric data (full name) of persons who are related to the occupier are entered;
• place of work. The section should provide information about the company where the borrower works (its name), type of employment (full/part-time) and length of service;
• talk about the family’s income: what is the total salary together with the spouse and confirmation of all sources of income. In addition, you should indicate the approximate amount of costs in the form of: insurance premiums, payments for obligations, rent. Payments for utilities and other small items are not subject to accounting;
• property owned by the family. Indicate the address, area and year of purchase, if this is housing: cost, year of construction, registration data for the car;
• if the borrower has a Sberbank pension or salary card at his disposal, he must enter its number;
• indication of additional data (credit history, insurance policy number);
• date of filling out the form;
• characteristics of the loan: what amount is taken, in what currency, what type of mortgage is chosen, repayment terms, price of the purchased property, wishes regarding the size of the down payment, on what principle the loan will be repaid (for this you need to open an account on the card).

Download the application form for obtaining a mortgage at Sberbank

Sberbank's application form for a mortgage (download the form) is here:
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Sample of filling out the application form

Here you can download a file of the correct example of filling out a mortgage application form:
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After the form is completed, it should be signed and a personal note must be placed in the borrower’s block. It will indicate that the rules and conditions of interaction with the bank regarding mortgage lending have been studied and accepted.

Main features of providing a mortgage at Sberbank

Collateral property can guarantee a positive decision on the issuance of credit funds. In addition, this will reduce the interest rate. But this condition is not mandatory. But if you fall under a mortgage loan, the service is mandatory. Moreover, the validity period of the insurance policy must be equal to the period of full repayment of the debt.

Interest rates on mortgage lending at Sberbank

After the bank employee examines the questionnaire and checks the compliance of the stated data, the interest rate will be assigned. Its maximum amount ranges from 6% to 12%, depending on the type of lending chosen. To count on a reduction in these parameters, the following conditions must be met:

1. Receive a salary or pension on a Sberbank card.
2. Have a credit history, deposit, deposit.
3. Have a valid account with Sberbank.
4. Offer a down payment as large as possible. This will serve to lower interest rates.

On a note:

• if not, then the interest rate will increase by one percent;
• if the purchased property was not properly registered, the interest rate will increase by another one percent. However, it will be removed after registration;
• when it is impossible to document all your income, the rate will be increased by 0.5%;
• initial payment from 15% of the loan amount. And for salary clients this criterion can be reduced;
• The mortgage repayment period provides for a period of up to 30 years.

The following limits apply to mortgage loans:

• the minimum allowable amount is not less than 300,000 rubles;
• the maximum mortgage size does not exceed 85% of the total cost of housing. This criterion is determined by specialized experts or specified in the contract.

After completing the application form for a mortgage loan from Sberbank, you must sign an agreement. Then you have to fill out documents for housing, register and insure it, and again come with the collected package of documents to the bank branch. At the end of the procedure, a credit account will be opened and money will be transferred there.

When submitting an application for a loan under any lending program, a financial and credit organization (in this case, Sberbank) has the right to require the client to provide comprehensive information about himself. Sberbank application form for obtaining a loan: sample applications and forms containing personal data, characteristics and other conditions are available for study below.

The procedure for filling out a loan form at Sberbank

This form is a six-page questionnaire that allows you to submit a loan application form. Only applications with correctly entered and correct data are reviewed and approved (or not) by the credit committee. The form can be filled out by any person related to the application: the bank manager, the guarantor, the lawyer, the client himself. The application itself can be submitted in written or printed form. The main thing is to enter all the information without missing a single section. It is advisable to write correctly right away, and if corrections are made, they must be accompanied by the signatures of the borrower or the person filling out the form.
Sberbank has a number of loan programs. Before submitting your application, you must select your loan option. But regardless of the choice (consumer loan, mortgage, car loan), the form that is issued at the branch or downloaded to the computer from the official website is the same. On five pages of the application you should provide comprehensive information about yourself, and only on the last page select a loan program and indicate the amount of the loan. The sixth page includes the following columns:

• loan size;
• currency;
• maturity;
• loan purposes: for consumer needs, for the purchase of real estate or a vehicle;
• additional loan options: standard option, secured, with guarantee. You should also write detailed information about the home or car you are purchasing: cost, year of construction or manufacture, etc.;
• current account for obtaining a loan.

Sberbank application form for obtaining a loan: sample applications and forms

It is best to fill out the form according to a single template, signing in the right places:

• after filling out pages with personal information;
• after choosing a loan program;
• signature confirming the relevance of the specified information.

(downloads: 933)
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What documents are needed to apply for a loan?

The loan application form can be obtained at a bank branch or through Internet banking. Everyone will be able to understand the Sberbank application form for obtaining a loan: sample applications and forms are clearly presented. To provide information about yourself you will need a whole package of documents:

• identification document;
• employment contract and book, any certificates from work;
• personal income tax form-2;
• documents on the right to own real estate if a secured loan is taken out;
• statements from salary and pension accounts, if any.

If it is difficult to fill out the form, it is best to contact the bank manager, taking with you the above package of documents.

Procedure for filling out the form

The following fields should be filled in:

• on whose behalf the application comes: from the borrower, authorized person, guarantor.
• personal information (passport data). If you change your personal information, be sure to note this and indicate the reason;
• communication: telephone numbers: home, cell, work, etc. You can enter contacts of authorized persons, co-borrowers, guarantors. The more information, the faster the application will be analyzed and considered;
• education;
• family information. The husband/wife must be indicated, since he/she is a co-borrower. If you wish, you can tell about other relatives. If one of your relatives works at Sberbank, this must also be indicated;
• place of work, position, length of service, employer data. If you want to receive a loan under the program for individual entrepreneurs, you should check the appropriate box;
• salary, additional sources of income, family budget, regular expenses (repayment of other loans, alimony, rent, etc.);
• information about any real estate or vehicles owned. If the house or car belongs only to, for example, the father, there is no need to indicate it;
• if you have Sberbank salary or pension cards, indicate this.

After filling out all the items, the information must be carefully double-checked. The client is responsible for providing Sberbank with inaccurate data. back to content

Sberbank Internet Banking

Sberbank can offer a loan on individual terms if Internet banking services have been used for a long time. You just need to download the form and fill it out according to the same template if you are interested in the offer received from the bank. But indicate a different type of loan - “Individual offer”. Along with the project, the bank also provides a key, which must also be entered in the application form. The completed form is sent via the service’s feedback form.