Mortgage loan documents for the bank. What documents are needed to register a mortgage for an apartment in Sberbank - a list of documents for various lending programs

Anna Frantsuzova

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Mortgage lending is a serious risk for banks providing funds to their clients. The implementation of such operations requires a sufficient financial resource, calculated for a long time, because the mortgage is taken for 10 or more years.

In addition, in an unstable economic situation, when citizens' incomes rise and fall, banks must be confident in the solvency of customers. But the borrower needs to confirm not only his salary, but also his personality and age, without this they will not be given a loan.

The complete list of documents submitted to the bank is quite solid, but most often it is adjusted taking into account the type of lending.

A complete list of documents for registration of a mortgage

After the client signs an application for mortgage lending, bank specialists begin to consider the submitted package of documents, checking at the same time the "legal purity" of the acquired real estate.

The identity and solvency of the borrower / co-borrower is confirmed by:

For the acquired real estate of the secondary stock (already operated housing), the bank will need to provide:

• Documents confirming the right to own property (sale and purchase agreements, donation, privatization, inheritance)
• Copies of homeowners' passports, confirmed by originals
• A certificate from the housing office (form No. 9) about all residents registered in the apartment (house). You should know that it has time limits.
• A certificate from the BTI on the availability of a cadastral passport for the land (in the case of buying a private house or land plot). It has a time limit
• If the owners of the apartment being sold have children under the age of majority, permission from the guardianship and guardianship authorities will be required

For a loan for housing construction, it will be necessary to prepare:

• Proof of land ownership. The plot of land should only be used for individual construction
• Permits for the construction of a house, issued in state institutions
• House construction contract with a contractor, project and estimate

Mortgage documents confirming the marital status of the borrower / co-borrower

To understand the client's marital status, the bank has the right to demand from the borrower / co-borrower originals and photocopies of such documents as:

• Marriage certificate or document reflecting divorce (divorce)
• A statement about the absence of a spouse, if the borrower is not married. It is certified by a notary office
• Copies of birth certificates of children. For minors who have already turned 14 years old, a copy of the first page of the passport with an indication of the place of registration is provided
• A copy of the death certificate of the spouse (s), children

A full package of documents confirming the income and information about the employment of the borrower / co-borrower

The documentation confirming the income of an individual and a legal entity for varies significantly.

An individual presents:

• An extract from the work book. This document must be certified by the employer (the borrower must work in one place for at least six months, in some cases a period of 4 months is allowed)
• A copy of the employment agreement - when working under an agreement (it is possible from several places of work)
• a declaration submitted to the tax office (report for the last period), if there are other sources of income (renting out housing, royalties for authorship, etc.), make a copy

The legal entity will need to provide(if the loan is taken in a different bank where the current account is opened) the following documents:

• Bank statement of the financial organization (organizations) where the service is carried out, on the financial movements of funds held in the accounts for the past reporting year
• Copies of real estate lease agreements (if any)
• Copy of documentation reflecting official tax records
• Data on fixed assets (buildings, transport, equipment) involved in the business
• Certificate of absence of loan debt and card index No. 2
• Warehouse certificate containing a list of goods that are at that time in warehouse accounting (purchase and retail prices, prices for products or services manufactured and sold by the enterprise)
• A complete list of debtors and creditors, indicating the date of the debt formation and the time of the planned repayment
• Documentation reflecting debts and overhead (regular) expenses of the enterprise

Documents confirming the availability of assets of borrowers / co-borrowers

In order for the assets held by the borrower or co-borrower to be confirmed by the banking organization, it is necessary to provide copies of documents on ownership of the property and confirm them with originals:

• For real estate or expensive movable property (apartment, house, land plot, vehicles, items worth over 200,000 rubles, etc.)
• To open bank accounts
• For securities (an extract from the register is taken, where all owners of securities are recorded)

It is not necessary that the bank will require the entire package of the above documents and certificates, the main thing is that the borrower is solvent and can repay the loan on time. Based on the data provided, specialists will calculate what amount of monthly payments will be feasible for the client and whether the applicant will be able to return the loan.

Having made the decision to take out a mortgage loan, the future borrower begins to worry about organizational issues. And the main one is what documents will be needed to buy an apartment in Sberbank?

It should be noted right away that for an approving bank decision to issue a loan, there is no need to immediately prepare the entire set of papers. Some certificates are valid for a limited time, therefore, due to the poor organization of the registration procedure by the client, you will have to spend personal time getting them again.

After a positive response to the application, the lender gives the future borrower 120 days to prepare the remaining papers. Knowing a clear list of required securities facilitates and speeds up the transaction process

The bank establishes a certain sequence in the collection of all the necessary documentation.

When submitting an application, the applicant must provide:

• own passport;
• a certificate confirming his income for six months;
• employment certificate.

To confirm the official sources of income, the following types of certificates are possible:

• 2-NDFL,
• if the enterprise has not adopted the previous form, then an alternative one, but according to the state sample;
• according to the banking model;
• pension certificate indicating the amount of the pension.

To confirm unofficial sources of income, the following are accepted as evidence:

• certificate of renting out residential properties;
• FTS declaration on tax payments.

Employment certificates:

• work book (copy);
• certificate from the place of work;
• employment contract (copy);
• IP certificate of registration;
• a license for a certain category of citizens.

Many clients are frightened by an incomprehensible list and are lost, but bank employees will always provide comprehensive information on this issue.

Participation in special housing promotions requires additional documentation:

• for a military mortgage - a certificate of a participant in the accumulation system;
• for young families - certificates of marriage and birth of children;
• with the involvement of maternity capital - a certificate for maternity capital.

If the provision of a home loan at Sberbank is carried out according to a simplified scheme, then the list of documents for a mortgage on an apartment is reduced to two - a passport and an application form.

Pledged papers

If the loaned housing acts as collateral, then it is necessary to provide an existing purchase and sale agreement, where it is noted that the cost of housing is partially paid at the expense of the borrowed funds of the lender, and also that the object is pledged, and the lender bank is the mortgagee.

For the period of registration of the acquired real estate, it is possible to use other collateral property. It will also need documentation:

• the estimated value of the vehicle, its registration certificate or insurance policy;
• an extract from the securities depository;
• certificate for precious metals;
• for a residential object - ownership, title deed, extract from the house book, consent of the second spouse.

Seller Provided Documents

The seller is responsible for collecting documents for the sale of an apartment on a Sberbank mortgage:

• certificate of ownership (original);
• the document on the basis of which the ownership right was registered;
• extract from the state register of real estate;
• in the presence of equity holders - their refusal, certified by a notary, from claims for housing;
• consent to the sale from the second spouse (certified by a notary);
• power of attorney, if the sale is carried out by the authorized representative of the seller;
• a certificate from the board of trustees, if there is a minor owner.

Buyer documentation

When applying for a mortgage at Sberbank, the buyer must present certificates for the approval of the apartment:

• evaluation report;
• documentary evidence of the buyer's own savings.

Depending on the marital status of the borrower, additional certificates will need to be attached to the main package:

• agreement of the other pledger spouse for the transfer of the pledge; confirmation that the pledger is not married.
• if there is a marriage contract that determines the property rights of a married couple;
• if there are minors among the co-owners of the mortgaged housing - the permission of the guardianship authorities.

Conclusion

You need to know that the collection of basic documentation should be dealt with when the bank has given its consent. At the same time, the seller and the buyer are obliged to provide Sberbank with papers for a mortgage on an apartment in 2017. Only after the transfer of all the certificates is the transaction allowed, and after its completion and the registration of housing, a loan amount is issued.

To obtain a mortgage loan, you need to collect many different certificates. Some of them should be submitted before consideration of the application, and some - only after receiving a positive response. The package of documents for obtaining a mortgage in Sberbank may slightly differ according to the type of the chosen program, in order to get a complete picture of the process of obtaining a housing loan, we recommend that you familiarize yourself with our material:.

We will tell you what documents are needed to apply for a mortgage in Sberbank

Before applying for a mortgage loan, you should determine its type. It depends on the housing object.

Stages of obtaining a home loan

It is possible to buy an apartment from the owner or from the primary market, as well as a country house or its construction. They differ in the maximum amount - up to 1.5 or 3 million rubles, and the rate - from 12.5-13.5%. The term is determined according to the wishes or characteristics of the borrower. The limit is up to 30 years. The minimum amount for all types of lending is from 300 thousand rubles.

A package of documents for obtaining a mortgage loan at Sberbank is usually formed from the following securities:

1. The passport.
2. Additional certificates: military ID, foreign passport, pension certificate, driver's license.
3. Registration certificate.
4. Help 2-NDFL.
5. Employment history.

In addition to this mandatory list, others may be used. For example, instead of a personal income tax certificate, a client can provide a bank certificate. It should be obtained from the bank and given to the employer for filling. He enters data on the income, retention and seniority of the specified employee for 6 months. This option is used if the company is not able to provide standard information on personal income tax-2.

The main list of documents confirming the borrower's income
List of papers without confirmation of income and employment

Extended list for special mortgage programs

In some cases, additional information will be required if these conditions are used by the borrower when applying for a loan:

1. Co-borrower's passport.
2. Certificate of income of the co-borrower.
3. Papers confirming additional receipts to the client account: certificate of pension accruals, tax declaration (income from private practice or individual entrepreneurship), lease agreement for real estate owned by the borrower, indicating the amount of payments, statement of profit (royalties), etc. ...
4. Real estate securities, if it will be used as collateral.

Young family and maternity capital

For loans for the purchase of home under preferential programs, such as Mortgage plus maternity capital and an offer for a young family, special certificates may be required to reduce the interest rate.

What certificates are required to provide when using maternity capital
Promotion Young family

Government-supported program

For clients who are suitable for preferential terms in terms of characteristics, there are developments that allow the use of government subsidies to repay part of the loan. The package of documents for a mortgage in Sberbank in this case will include them. It can be:

• Certificate of an employee in a federal or municipal division (budget employee).
• Information about spouses, children (for participation in the development of the Young Family).
• NIS participant certificate.
• Certificate of maternity capital (certificate and statement of the balance of this account).
• Paper on the payment of a one-time subsidy to improve living conditions.

If the client is ready to provide collateral or pay half of the loan cost at once, he can not only count on more optimal conditions (for example, an increase in the loan amount), but also provide a minimum package of securities. Mandatory in this case include a passport and a second identity card. At the same time, it is no longer required to confirm the ability to pay and employment.

Property documentation

After transferring the information and filling out the application, you can begin to prepare a package of certificates for the property in Sberbank for a home loan. It will be required after approval and about 2 months are given for its collection. It includes:

1. A home purchase agreement with the obligatory indication of certain loan conditions in order not to violate the rights of the lender.
2. Certificate of registration of the client's right to own the apartment.
3. Extract from the Register regarding real estate transactions.
4. Written refusals of persons who can apply for a share.
5. An expert report showing the price of the house.
6. The consent of the seller's spouse to alienation or a certificate that he does not have a second half.

The list of housing under construction is somewhat different. Here you will need: a building permit, contracts with developers, a permit for commissioning, a preliminary investment or purchase agreement, an agreement on the basis of construction, an estimate, a cadastral passport, the estimated value of the site, etc.

What you need to submit to the bank after making a positive decision on the application

If the client's conditions are far from standard, this list should be obtained from a loan officer so that all the features of the client's situation are taken into account.

The second list also includes information about the client's availability of the required amount to pay the first part of the loan. These may be:

• Client account statement containing the required amount.
• Payments for the payment of a part for housing (construction).
• Confirmation from the real estate seller about the receipt of the required amount of funds.
• A report on the cost of housing that will be sold to pay for what is being purchased.

Conclusion

Be careful when filling out mortgage documentation at Sberbank - this will allow you to quickly and without nerves go through all the stages of obtaining housing for the type of loan you have chosen. The main rule that must be followed is that all certificates must be truthful. Any forgeries and inaccuracies can negatively affect the lender's decision to grant a loan.

You will need

• Buyer-borrower documents; apartment certificates - subject of pledge; papers for participation in shared construction; documents for obtaining a mortgage for the construction of a residential building.

Instructions

When making a decision on the provision of a mortgage loan, any bank will be guided by the personality and solvency of the client. Therefore, at this stage, collect all possible certificates and documents confirming your identity, employment and income. Without fail, any credit institution will need to provide for the application for a mortgage: the borrower's passport and a photocopy of all its pages, as well as the passport of the spouse, if any; marriage certificate and its copy; income statements for the last 6-12 months; confirmation of employment with a copy of the work book or employment contract. These documents are required when applying for a loan at any bank.

Some banks, in addition to the list of mandatory documents, may require additional papers from a potential borrower. It is best to prepare them in advance or not apply at all to the credit institution that may refuse you due to the lack of additional evidence. Such documents include: a policy and a pension insurance policy (SNILS), for persons of draft age - a military ID or a military registration certificate; certificate of assignment of a taxpayer identification number (TIN); documents on the ownership of real estate or a car; diploma of education; certificates from other banks about previous loans repaid on time.

After a preliminary assessment of the borrower's solvency, the bank will require the submission of documents for the acquired housing: a certificate of the seller's ownership of residential property; title papers on the basis of which the certificate was issued (sale and purchase agreement, will, donation agreement, etc.); cadastral passport for real estate (it can be obtained from the bureau of technical inventory); an extract from the house book about the absence of registered tenants. In addition, in the case of the sale of housing owned by minors, the bank will require the consent of the guardianship and guardianship authorities to such a transaction. In some cases, credit institutions may request a document on the appraisal of the premises being sold by third parties, but most often such an appraisal is carried out by the bank itself.

With participation in shared construction, the package of documents provided will slightly expand. Be ready to provide the following papers to the credit department: copies of the constituent documents of the developer; participation agreement in shared construction; documents confirming the right of the developer to build and sell apartments; technical characteristics of future housing and information on the price of the apartment.

If you plan to build housing on your own and take a mortgage for this very purpose, then you will need: a certificate of ownership of the land plot where the house will be built; permission to carry out construction work, duly executed; an agreement with a construction company that will build your home.

Sberbank is one of the largest banks in Russia. Many borrowers choose him as a lender when applying for a mortgage. But in addition to its reliability and stability of work, Sberbank is also distinguished by increased requirements for documents that must be provided. In order to competently approach this issue and save time on paperwork, let's analyze the bank's requirements.

Documents required for obtaining a mortgage

Do not rush to immediately prepare a complete list of documents, many of them have their own expiration date. Which ones, we will tell below. First, you need to get approval from Sberbank for a mortgage loan, then you have about 120 days to collect all the required documentation. Thus, you will avoid the possibility of filling out the same document twice, save time and simplify your task.

Main package of documents

To begin with, we will consider the main package of documents that will be useful for filling out an application for a mortgage. In order to take out a real estate mortgage, you will need:

1. Borrower's passport.
2. A statement, a sample can be taken on the Sberbank website.
3. A certificate that would confirm your income, we will describe it in more detail below.
4. Real estate mortgage documents, also see below for more details.
5. A certificate that would reflect your work activity. It will not be needed if your position and general guardian of labor activity are registered in the income document, but the signature and seal of a person authorized in your organization is required.

What documents are required to prove your basic income in order to take out a home mortgage?

1. issued in accounting. Should contain information for the last 6 months, if you work in this organization for a shorter period, then for the actual amount of time worked.
2. Certificate from the Pension Fund about the availability of a pension or other social benefits.
3. Help on the established state standard. If your organization has any restriction on the provision of 2-NDFL.
4. Reference that would characterize your additional monthly earnings.

List of documents that will be needed to confirm your additional source of income:

1. Declaration from the tax authority with a seal. You can also attach a receipt, order, notice or protocol of incoming control to confirm the transfer of the declaration to the tax office via Russian post or in electronic form.
2. A lease agreement for real estate or an object, a certificate confirming ownership and a document in the form of 3-NDFL with a mark from the tax authority on the adoption of a positive decision.

A package of documents that would confirm employment:

1. A copy of the work book, necessarily certified, which reflects information about employment for the last 5 years, if the total length of service is less, then for the actual amount of time worked.
2. A photocopy of the employment contract. It must be provided in the event that, according to the specifics of your type of employment, it is allowed not to have a work book according to the law.
3. Order on the official appointment of a notary to his office.
4. Lawyer's certificate.
5. Help at the place of work, where your profession and work experience should be registered.
6. Certificate of registration as an individual entrepreneur, if relevant.
7. A license under which you are allowed to engage in your type of work, if applicable.

It should be borne in mind that these certificates are valid for no more than 30 calendar days. Also, for each individual Sberbank has its own special list of additional documents that will also need to be prepared in order to take a mortgage from Sberbank. Let's take a look at what these documents are.

Young Family Program

Under this program, you will need to additionally provide:

1. Birth certificates of children.
2. Marriage certificate. Not available if the family is defective.

Also, in order to declare their parents as guarantors, they will need to prepare passports, marriage certificates, change of surname and other documents that the bank may require to confirm your relationship. Guarantors will help to increase the maximum loan amount, as well as increase the monthly payment, which will contribute to a shorter contract term, and as a result, less interest overpayment.

Military mortgage

1. Certificate of participation in the state mortgage program for military personnel.
2. An application of the established form, which can be taken from the Sberbank website.
3. Borrower's passport.

Mortgage with state support

The maximum loan amount for such a program for Moscow will be up to 8 million rubles, for the regions - up to 3 million with a reduced interest rate of 11.9%. We recommend obtaining more detailed information from the representatives of Sberbank in your region. Since this program implies the acquisition of real estate from accredited developers, an additional requirement will be:

1. Documents on the credited real estate.
2. The fact that there is a down payment. For example, a bank statement.

Mortgage plus maternity capital

In order to take out a mortgage loan for real estate under such a program, you will also need:

1. Certificate for obtaining maternity capital.
2. A document confirming the availability of funds for this certificate. Such a certificate is issued by the Pension Fund of the Russian Federation, and its validity period is only 30 calendar days. So, we first recommend obtaining bank approval for the provision of a mortgage, and then prepare this document.

The maternity capital can be used both as an initial payment and as a partial early repayment, which will reduce the amount of interest on the loan agreement.

Loan for the construction of a residential building

A distinctive feature of such a loan is that there is no house yet, therefore, it is not possible to provide it as collateral. Accordingly, the bank offers to issue such a mortgage either on the security of a land plot or owned by the borrower. In this regard, additional documents will be:

1. Certificate of purchase and the right to use a land plot.
2. Documents for the pledge provided to the bank. Depending on what exactly is pledged, a different list of documentation may be required.

So, what documents are needed for a bank pledge:

1. Vehicle. It is necessary to prepare a title deed, a car registration certificate, a comprehensive insurance policy, as well as a spouse's permission to issue a car as a pledge.
2. Securities. Certificate of rights to such papers and permission of the spouse.
3. Ingots of valuable metals. You need to provide a certificate from the manufacturer and also the permission of the spouse.

If an apartment is used as collateral, then you should additionally provide:

1. Independent appraiser report, validity period 6 months.
2. Cadastral passport. Provided by the Cadastral Chamber of Rosreestr or the Center for the provision of state. services.
3. Spouse's permission certified by a notary.
4. Marriage certificate.
5. Certificate of ownership.
6. USRR reference from Rosreestr, valid within 30 calendar days.
7. Extract from the house book about all residents registered in the property.
8. Sale and purchase agreement or other document for the alienation of real estate.

Insurance registration

Sberbank, like any commercial organization that provides a loan for real estate, offers to issue comprehensive insurance, encouraging borrowers with a reduced mortgage rate. So, if you decide to take an apartment on credit, get ready to additionally sign:

1. Borrower's application for participation in the comprehensive insurance program.
2. Insurance contract.
3. Insurance policy.

Comprehensive insurance is optional, you can always choose options with a higher interest rate and not take out this type of insurance. Only property insurance will be required.

List of required documents for the seller