Sample contract and example of filling
You can download a preliminary agreement for the purchase of an apartment (room, share of an apartment, etc.) using borrowed funds issued by Sberbank PJSC on the official website of the credit institution.
The document must indicate the following parameters of the upcoming transaction:
- date and place of conclusion of the agreement;
- details of the parties. If the seller or buyer is a private person, then you must indicate your full name, date of birth, place of permanent residence, and passport details. If one of the parties is a representative of the buyer/seller, then additionally indicate the details of the power of attorney issued by the notary. If one of the parties to the transaction is a legal entity, then it is necessary to indicate the name of the organization, full name and passport details of the company representative, details of the document confirming the person’s authority to represent the interests of the company;
- details of the property being purchased: address, cadastral number, area of the premises, number of rooms, number of floors in a private house, and so on;
- details of the document confirming the property seller's ownership of the specified residential premises (registration certificate or extract from the Unified State Register of Real Estate);
- value of real estate;
- payment procedure. This subsection requires you to indicate what part of the amount will be paid from the buyer’s own funds, what part will be repaid by maternity capital (if used), how much money the bank will issue;
- the fact of transferring the apartment as collateral to the lender bank. This obligation under the loan agreement must be fulfilled after state registration of the apartment purchase and sale transaction;
- terms of concluding the main contract. The agreement may establish a certain period (date) for concluding the main agreement or a certain period allotted for its conclusion.
By prior agreement, this agreement may be supplemented with other clauses that are important for the seller or buyer.
It is recommended to draw up a new text of the document with the assistance of a qualified lawyer who knows all the rules and nuances of developing this type of document.
Why is it needed and what is it about?
A preliminary agreement concluded at the request of the bank when obtaining a mortgage loan is required:
- to determine the loan amount and other essential lending conditions, since when developing a loan agreement, the cost of the apartment, the amount of personal savings, the possibility of attracting other income, the borrower’s creditworthiness, and so on are taken into account;
- to record the intention to acquire a certain residential area and exclude the possibility of selling real estate to third parties. Mortgage lending is targeted, that is, funds are issued to the borrower for the purchase of a specific apartment located at a specified address. It is impossible to use borrowed funds to purchase another property;
- to fix the cost of the apartment. Under the terms of the preliminary agreement, the seller does not have the right, at his own discretion, to change the value of the property.
Mortgage calculator DomClick
Applying for a mortgage in DomClick from Sberbank is the main function and most important tool of your personal account. It is for the calculations and formation of the payment table that people most often register on the site, so let’s carefully consider the first step - the mortgage calculator.
Sberbank's DomClick online mortgage calculator allows each user, before submitting an application, to make preliminary calculations based on the current lending programs available at the bank. The system offers to choose a base rate from 9 main offers:
- purchase of finished housing;
- purchasing housing in a building under construction;
- building your own home;
- purchase of a ready-made country house;
- money secured by real estate;
- refinancing a mortgage loan taken out from another bank;
- a special program to provide loans for housing to military personnel;
- state-initiated mortgage with state support for families with children;
- purchasing a parking space or garage.
When you select a mortgage program, the base interest rate is displayed to the right of the calculator, which may change if adjustments are made to the following fields when further filling out the application:
- participation in the salary project of the Security Council of the Russian Federation;
- registration of insurance;
- receiving a discount from the developer when purchasing a new home;
- compliance with the Young Family program.
Further, when calculating the cost of housing and indicating the size of the down payment, the mortgage calculator shows the total loan amount, gives the amount of the monthly payment depending on the term of the loan agreement and the required minimum income to obtain a loan.
Already at this stage, you can receive a payment schedule in PDF, save a preliminary calculation, or send an application for consideration by the bank.
Another option for providing a mortgage loan on bank terms is to select real estate on the website in the DomClick database. The user, having found a suitable object for himself, must call the number associated with the ad and agree with the seller to begin the transaction. After the call, options for further work will be unlocked: offers to apply for a mortgage, purchase an apartment, house or garage for cash.
What documents and information are needed?
To draw up and sign a preliminary agreement for the purchase of an apartment, you will need to prepare the following package of documents:
- civil passports of the parties, if the seller/buyer are individuals. The charter of the enterprise, an extract from the Unified State Registration Register, the passport of the representative, a power of attorney certified by a notary or another document confirming the authority of the representative, if one of the parties to the agreement is a legal entity;
- documents for residential premises: a certificate of registration of an apartment or an extract from the register of real estate as documents confirming the fact of ownership of the apartment by the seller, a cadastral passport or a technical plan indicating the area and other essential parameters of the residential premises;
- consent of the spouse to buy/sell if one of the parties is legally married. The paper is drawn up by a notary;
- consent of the guardianship authorities, an extract from the Pension Fund of the Russian Federation, a birth certificate of a minor citizen, if the child is a seller or buyer of real estate or it is planned to use maternity capital funds to purchase an apartment;
- consent of all co-owners to sell the apartment or refusal of priority purchase of housing.
Features of a preliminary agreement for the purchase and sale of an apartment with a mortgage from Sberbank
When obtaining a mortgage from Sberbank, the preliminary agreement must be supplemented with:
- a document confirming the appraised value of the apartment. This will allow the bank to confirm the market price of the property and determine the liquidity of the future collateral. The assessment of the cost of the apartment must be carried out by one of the accredited organizations, the list of which is presented on the official website of the credit institution;
- a document confirming the number of persons registered in the living space, indicating the date of registration and the document - the basis for permanent registration. You can obtain the document from the management company or passport office. An extract from the house register allows you to determine the list of documents necessary to conclude the main transaction;
- a document confirming that the specified real estate is not the subject of collateral under other loan agreements, not encumbered by any restrictions, not under arrest, and so on. The paper is required to conclude a pledge agreement.
Draft agreement using Sberbank mortgage
If a Sberbank mortgage is issued, as mentioned earlier, a preliminary agreement is drawn up. You should know how to correctly write down the necessary items in it and what to do with them in general. All of them must be reflected on paper. It is better to talk in more detail in each area in order to have an idea of the reality when an apartment purchase agreement is drawn up using a Sberbank mortgage.
Basic provisions
To complete the paperwork, you will need to collect, in addition to the purchase and sale agreement for a mortgage at Sberbank, a certain package of documents. These include:
- You must have your passport with you to confirm your identity. An alternative may be a military ID, foreign passport, pensioner’s ID, etc.
- Any information from your workplace. This could be, for example, a salary statement or a concluded employment contract.
- Information about the financial situation of close relatives. They must have a certain income.
- Documents of a co-borrower, which is usually the husband or wife.
- Any documents on the basis of which discounts and preferential lending conditions are provided. Typically, these can be used by young families or large families. To do this, it is important to fill out each item.
In this case, you need to choose a specific mortgage option. This is done after drawing up and signing a preliminary agreement. Any areas of implementation will be provided for a specific housing option. After all, you can buy not only an apartment in a new building, but also on the secondary market, a private house or a plot of land.
But there are also average parameters for lending programs. As such, for example, we can name the size of the loan (starts from 300,000 rubles), loan terms (up to 30 years), early repayment options, down payment (usually set at 15%).
This is all influenced by the borrower’s salary, his financial and social situation, and specific parameters of the mortgage program. If the client has previously worked with the bank and did not have any questions, he will most likely receive the best service conditions.
Sample filling
You don’t have to think too much about how to correctly draw up a preliminary agreement for the purchase and sale of an apartment using a Sberbank mortgage - a sample will help you. But in any case, you should know about the main points that must be reflected on paper. But this is done in the case when you already have a complete list of documents on hand.
The bank verifies the received information regarding the cost, the number of people registered in the apartment, and also possible partial ownership of it. There must also be a document indicating that the real estate is not classified as collateral.
In addition, the agreement is signed by both parties in the presence of a notary or lawyer. Additionally, the parties can insure themselves in other ways by placing documents for the apartment in a rented storage unit. In this case, the preliminary agreement will not be violated by either party.
The contract itself must initially indicate the place and time of drawing up, the parties to the transaction with date of birth, full last name, first name and patronymic, citizenship, place of residence, passport details. The following is information about what they agreed upon among themselves:
- Item. This includes the purchase and sale of real estate, as well as who owns the specified apartment or other housing.
- Terms of a transaction. In addition to the fact that the seller sells and the buyer buys, the amount they agreed on, the payment procedure, and whether it is pledged to the bank after the loan is approved must also be written down here.
- Implementation dates and guarantees. This paragraph should reflect that the agreement is preliminary and it specifies the main terms of the purchase and sale agreement, which will be specified in the future agreement.
- Final provisions, which include the time when it comes into force.
Finally, the signatures of each party must be placed on the paper. At the same time, you should pay attention to the fact that when contacting a notary or lawyer, they already have samples of documents to which you only need to make certain adjustments. But this entails minor financial costs. This is what the form of the preliminary purchase and sale agreement looks like.
