How to apply for a mortgage at Sberbank?

Criteria for completing the questionnaire

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

The need for an application form

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

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

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

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

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

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

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

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

How to fill it out correctly

, start filling it out. You can do this in two ways:

• print the file and enter the information yourself;
• fill out on the computer.

Below is an example of filling it out using the first method.

On the first page, in the section on the role in the proposed transaction, a tick is placed in the appropriate box - mortgagor, guarantor, co-borrower or borrower. If the form is filled out by a non-title borrower, the borrower's full name must be included.

In the “Personal Data” section, the full name of the person filling out the form, date, and place of birth are indicated. If your full name has changed, this fact must be displayed in the “Data on change of full name” section.

Section "Passport data". Everything is very simple here and no explanation is required. The only thing that is important not to forget to do is to check the box if you have a valid passport.

In the “Contact Information” section, you indicate work, home and mobile phone numbers, as well as email.

Section "Education". Simply check the appropriate box.

Let's move on to the second page. It begins with a section about addresses of permanent registration and actual place of residence. In both cases, we indicate the region, district, name of the locality, street, house number, apartment number and, if necessary, building and building.

In the “Actual Residence Address” block we additionally mark:

• length of residence in the city/town at the time of filling out the application form;
• period of residence at the specified actual address on the same date;
• legal status of housing (own or communal apartment, dormitory, etc.).

If the registration is temporary, the corresponding fields must be filled in similarly.

Section "Marital status". Here, first check the box about marital status (single/single, married/married, etc.). Similarly, the presence/absence of a marriage contract and whether there are children are noted.

Section "Relatives". Here you can indicate up to 5 persons related to the citizen filling out the form. These include:

• mother;
• father;
• spouse);
• daughter;
• son;
• Brother;
• sister.

In addition to the full name, the date of birth of relatives is indicated. If the relative is an employee of Sberbank, the number of the division of the financial institution in which he works is entered in the appropriate field.

Next, you will see a section regarding information about the main job. First, by checking the box, you must indicate the type of activity of the person filling out the application form for a mortgage at Sberbank (working under an open-ended or fixed-term contract, student, pensioner, individual entrepreneur, etc.). Then enter the full name of the employing enterprise, its tax identification number, the borrower’s position in this organization and the category of the position (top or middle manager, worker, civil servant, etc.).

A check mark is also placed in the box indicating the approximate number of employees at the enterprise. In the same way, information about the duration of work in the specified organization is noted. Then the total work experience for the last 5 years and the number of changed places of employment are indicated, but for the past 3 years. At the end of this block, the type of activity of the employing enterprise is selected from the given ones, or another is indicated in the corresponding field.

In the “Monthly income/expenses” section:

• numbers indicate the amount of net income received per month (that is, without personal income tax), as well as the amount of additional income;
• expenses that are periodic in nature are indicated (rent, education fees, alimony, etc.);
• The total family income is recorded.

Next comes the section that requires entering information about the property (page 3). In the real estate block, you can indicate three objects, noting:

• the region where the property is located;
• the year in which it was purchased;
• square;
• market value.

In the block about the vehicle you own, select its type (water or land), and also enter the following data:

• brand;
• registration number;
• year of purchase;
• age;
• market price.

At the beginning of the fourth page there is a section with additional information. It is filled out by clients who receive a pension or salary into an account or card at Sberbank. They need to indicate:

• type of income received (salary or pension);
• account or card number.

The following is a section regarding confirmation of information and consent to the terms of processing of the submitted personal data. After carefully reading the text, indicate in the appropriate fields the full name of Sberbank’s partner organization. A check mark is placed opposite “Yes”, and the SNILS number is entered in the field below.

Filling continues on the next, fifth, page. The checkbox next to “Yes” is placed again. Its presence will allow the bank to obtain information from your credit history. Next, enter a code identifying the subject of the credit history. If the application form for a mortgage at Sberbank is not accepted at its branch, you should check another box next to “Yes”. Then the date and time of transfer of this document to the bank employee is indicated, the client’s full name is entered, and his signature is affixed.

The last page is filled out only by the borrower or the main co-borrower. The top cells contain the volume of the loan product, currency and term. In the appropriate sections, select the type of loan (housing, private household plot, consumer), indicate its type (for example, for the purchase of finished housing) and check the box that corresponds to the purpose of the loan. An applicant for a loan on special conditions (for example, if a young family receives a loan) must indicate them. Then a tick is placed in front of the category of the property (residential building, apartment, room, etc.).

At the next stage, if necessary, enter the following data:

• estimated cost of purchase/construction of the property;
• the amount of the down payment;
• the amount of maternity capital allocated to repay the loan;
• the estimated value of the property being secured as collateral.

After this, you must indicate the number of the current account to which the bank will transfer the borrowed funds. Then we agree to the processing of personal data by ticking the “Yes” box. And finally – the client’s full name and signature.

At this point, consideration of the question of how to fill out a form at Sberbank for a mortgage could be completed, if not for the nuances. Let's look at this in more detail.

Recommendations for completing the form

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

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

Collection of documentation

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

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

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

Questionnaire for title co-borrower, co-borrower, guarantor

Sberbank offers a unified questionnaire form that is equally suitable for filling out by the borrower (if the mortgage is issued by one person), the co-borrower (if several people are involved in the mortgage on the part of the borrower), the mortgagor or the guarantor. All fields of the form, if filled out by a co-borrower or guarantor, remain mandatory.

When filling out the first field of the form, “Role in the proposed transaction,” you should check the box next to the options offered in the form:

1. Title co-borrower;
2. Co-borrower;
3. Guarantor;
4. And/or pledgor.

You are also required to provide the full name of the borrower (title co-borrower).

Next, you just need to carefully read the application form, which states which fields need to be filled out by the co-borrower or guarantor, and which are addressed only to the borrower (title co-borrower). The information required to fill out the form is clear and it is easy to understand how to fill out the form.

If the client still experiences difficulties when filling out the application, he can make a request to a Sberbank employee: he will fill out all the fields of the application according to the applicant.

A mandatory condition for filling out the form is consent to the processing of personal data. Its validity period is by default 5 years from the date of signing. However, the applicant can withdraw consent by writing an application to the bank. This is relevant if the applicant’s application form has not been approved, and he does not want to receive advertising notifications from Sberbank about financial services, new offers and promotions.

Data checking

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

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

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

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

Basic information about the mortgage application form

An application form for obtaining a mortgage is general documentation, the form of which can be taken and completed at a Sberbank branch convenient for you.
You can also find this standard form on the official portal of the financial institution. You can download the documents to your computer, and then fill them out without haste; in this case, you will not have to waste time on visiting a Sberbank branch. Specifying information in the Sberbank application form is a simple task. You will need to check the appropriate boxes in the question box or enter the required data in the lines. Do not forget that at the end of the sheet you must put your personal signature. If it is not there, your application will be rejected. The signature is proof that you agree to the processing of information about yourself.

According to experts, one of the current reasons for refusal of a mortgage from Sberbank is precisely that citizens do not bother themselves with careful and correct execution of the form. We recommend that you do not make such a mistake.

Reasons for refusal

Key indicators include:

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

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

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

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

Unspoken rules

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

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

For guarantors

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

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

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.

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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.

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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.

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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.

How to apply for a mortgage online?

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

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

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

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

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

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

What other documents will be needed?

In addition to the completed mortgage application form for Sberbank, employees request the following set of required papers from a potential borrower:

1. Russian Federation passport with registration.
2. Documents for the property being purchased (if the property has already been found).
3. Documents confirming labor activity (GPA, work book, contract).
4. Documents proving receipt of sufficient income (certificate in the form of a bank or 2-NDFL, an extract from a pension account or card).

Sberbank provides the opportunity to submit a mortgage application using two documents, providing only a Russian passport and a second document of the client’s choice (usually SNILS or INN). There is also a simplified mortgage for Sberbank salary clients.

The above list of documentation is standard, however, Sberbank reserves the right to request other documents that, if necessary, will help in a detailed assessment of the client’s solvency and his financial rating. You can read more about the documents for a Sberbank mortgage in a special post.

Attractive aspects of applying for a loan at Sberbank Online

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

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

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