What documents are needed to obtain a mortgage from Sberbank?

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

Mortgage: what is it?

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

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

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

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Description of the document

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

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

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Sample

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

What is a mortgage on an apartment?

The security is used to secure a loan for purchased real estate, is issued for objects of the primary and secondary market, and acts as a guarantee of obligations assumed. It must be done in accordance with the requirements set out in the Federal Law “On Mortgage”. When it is signed, the borrower's right to use the mortgaged property is preserved. At the same time, transactions with property are limited.

After repaying the debt, the document confirms the borrower’s right to the property and protects the object during its sale. The bank form acquires legal force after registration with Rosreestr.

When making changes to the document, the parties to the agreement must notify the registration authority within 1 business day. There is no fee for the operation. Before receiving a mortgage from Sberbank, it is recommended to pay off the loan in full and request a certificate of no debt. The document for the collateral property contains:

• Name;
• personal and passport data of the debtor, owner;
• collateral information;
• housing loan terms;
• liability repayment schedule;
• characteristics of the object;
• a description of the reasons why the property belongs to the creditor;
• indication of the presence of encumbrances (easement, lease);
• date and signatures of the parties.

Participants in a loan agreement, in accordance with 328-FZ, must issue electronic mortgages. In this case, the request is generated remotely on the Rosreestr portal and confirmed with a digital signature. This event reduces the time it takes to register a purchase. Clients provide documents for the mortgage, a list of which is on the lender’s official website.

To answer the question of how much a mortgage is made, you need to take into account many factors that influence the issuance period:

• information about the value of real estate;
• expert examination of BTI;
• time of registration in the Unified Register.

Registration takes several weeks because the process involves government participation and background checks. Due to the changes that have come into effect, a mortgage is not required when purchasing real estate or building with borrowed funds.

This event simplifies the procedure for entering information into the Unified State Register and removing the encumbrance. The simplified procedure applies to new and existing loans, except for military mortgages. Instead of a mortgage, the bank offers to sign an additional agreement to the loan agreement. After paying off the obligations, the period for removing the encumbrance is 2 weeks (instead of 1 month). The bank independently sends repayment data to Rosreestr.

How is a mortgage issued at Sberbank?

The owner of the certificate has the following rights:

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

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

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

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

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

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

Expert opinion

Alexander Ivanovich

Financial expert

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

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

Registration of a mortgage after delivery of the house

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

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

Design nuances

In the case of mortgage lending, the borrower is at greater risk, not the bank. Therefore, it is so important to have a good understanding of all the details of legal documents. This also applies to mortgages. The procedure involves the following nuances:

1. If the borrower cannot confirm ownership of the collateral, the mortgage will be automatically registered in the name of the real owner.
2. The paper must undergo state registration, since without this it will be declared invalid.
3. If the client wants to offer other property as collateral, the bank will definitely carry out a procedure for assessing its value. And if the price is lower than the property being purchased, the pledge will not be issued.
4. A sample document can be downloaded from the Sberbank website and presented to your lawyer for consultation before signing.
5. The mortgage number must not be hidden from the borrower. And even moreover, the bank indicates it in payment notifications.
6. Since state registration is carried out, you need to pay a state fee. Its size is 1 thousand rubles.
7. A duplicate of the document remains with the registration authority.
8. Even if a credit institution sells the debt to another organization, only the account number will change for the payer.
9. The bank does not have the right to change the terms of lending unilaterally.

This is the basic information that a bank client should know before drawing up a mortgage agreement and mortgage. More detailed advice can be obtained from a Sberbank mortgage lending specialist.

Documents for obtaining a mortgage under a Sberbank mortgage

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

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

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

Real estate valuation and other information about collateral

Mortgage loans are issued against real estate. To secure a loan, you can provide the bank with an apartment (either existing or purchased), a house, land plots, garages, or country houses. You can find out how to apply for a mortgage secured by existing real estate here. The document used to issue this type of guarantee is called a mortgage note, which is filled out by the mortgagor and stored in Sberbank until the loan is fully repaid.

What is a mortgage on an apartment with a mortgage in Sberbank in simple words: this is a document pledging the acquired residential property in favor of the bank.

Transferring the guarantee to another bank does not change anything for the mortgagor: the monthly repayment amount, mortgage terms, and bank branch details remain the same.

Registration of a mortgage with Sberbank is a responsible process that requires attention. You should check all the points and carefully check your personal data. The form includes:

• information about the pledgor: last name, first name, patronymic;
• series, passport number, where and when issued;
• information about the debtor;
• if the apartment is in shared ownership - information about other owners;
• information about the bank - the original mortgagee: name, location, license number, date of issue, legal entity that issued the license;
• information about the mortgage agreement: number, date, place of conclusion;
• loan amount in rubles;
• return period in months;
• the amount of interest on the loan;
• the balance of the loan amount at the time of signing the mortgage;
• information about the subject of the mortgage: address, number of rooms, floor;
• information about the encumbrance;
• estimated value of the collateral;
• date, registration number of ownership of the apartment;
• mortgage registration information;
• when transferring a mortgage - information about its new owner, date of transfer, details of the contract.

Once completed and signed by the parties, the mortgage is registered with the territorial body Rosreestr. Registration services are paid by the debtor, unless otherwise provided by the mortgage agreement.

The mortgage note is drawn up in a single copy, so the borrower is recommended to make a copy of it, put down the registration number and keep it until the mortgage is paid in full. If it is transferred to another financial institution or lost, it will be much easier to restore it.

To obtain mortgage collateral, the borrower must provide a number of documents confirming his ownership of the apartment and its estimated value. For a mortgage with Sberbank, the following documents are required:

• passport of the mortgagor and other apartment owners;
• original extract from the Unified State Register;
• certificate of registration of ownership rights to the borrower;
• contract of sale, gift, exchange, deed of gift;
• document on the estimated value of the property;
• technical passport for the mortgaged property;
• notarized consent of the spouse to pledge the housing;
• original permission from the guardianship authorities to pledge the apartment if one of the owners is a child.

If, according to the marriage contract, the exclusive right of ownership of the home belongs to only one of the spouses, the original marriage contract must be presented to the bank.

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

In an apartment transferred as security for a mortgage, the debtor does not have the right to make redevelopment without notifying the creditor.

The main feature of a mortgage loan is that the lender takes as collateral the real estate purchased with borrowed funds. The mortgage serves as documentary evidence of the existence of this pledge.

For the lender, this paper acts as a guarantee of receiving back the funds issued to the client. If the mortgage agreement allows you to simply sell the property if the client fails to pay the loan, the mortgage gives the bank many more options:

1. Use of the document in the creditor's circulation.
2. The ability to partially assign the rights to claim a debt to another person.
3. Possibility of selling debt to collectors or another bank.
4. Exchange of debts with other creditors, etc.

As for the mortgage client, for him a mortgage on an apartment under a Sberbank mortgage can only be useful in terms of reducing the loan rate. Sber's new building lending program provides for a reduction in the rate by one point after the client prepares a mortgage and submits it to the mortgage department.

How to return the mortgage after paying off the mortgage?

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

The borrower must know where to apply for a mortgage.

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

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

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

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

The MFC transfers the mortgage to Rosreestr.

To buy an apartment

Possibility of issuing a loan in parts: - The loan amount is divided into 2 equal parts - The first part is transferred after registration of the DDU (share participation agreement). The second part is transferred a certain period after the first part (but no later than 24 months from the date of issue of the first part and before signing the transfer deed). The deadline for transferring the 2nd part is fixed in the DDU.

3 Real estate (mortgage) insurance. Insurance services are provided by Sberbank Insurance LLC. License of the Bank of Russia to carry out voluntary property insurance SI No. 4331, issued on 08/05/2020 for an indefinite period. OGRN 1147746683479, www.sberbankins.ru Address: 115093, Moscow, st. Pavlovskaya, house 7, tel. 8 800 555 555 7, Opening hours Monday-Friday from 9:00 to 19:00 Moscow time.

What to do if the mortgage is lost?

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

Expert opinion

Alexander Ivanovich

Financial expert

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

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

Mortgages and derivatives

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

These investment instruments have the following features:

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

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

Preparation of documents for registration of a mortgage in Sberbank

When purchasing a secondary property, the mortgage is drawn up simultaneously with the signing of the loan agreement. It indicates the details of the pledgor and the details of the pledgee, as well as information about the immovable object that is the subject of the pledge. But when buying a house under construction, there is a slight hitch - the collateral as such does not yet exist. The only option here is to take out a mortgage with Sberbank after the house is delivered. Let's consider the features of this process.

When real estate is purchased with a mortgage, a number of stages must be completed to register the mortgage:

1. Contact a financial institution with a request to lend money, indicating the required amount.
2. Wait until the institution reviews the application and makes an appropriate decision. If it is positive, the borrower has 90 calendar days, during which it is necessary to select suitable premises and carry out a number of other actions. If you fail to meet the deadline, you will need to contact the organization again and wait for its decision.
3. The selected apartment is subject to expert evaluation. If the property meets the requirements of the organization, a loan agreement is concluded, as well as a purchase and sale agreement.
4. Upon becoming the owner of real estate, a person is required to take out a mortgage.

The preparation of the paper is usually carried out in parallel with the execution of the mortgage agreement. The mortgage note is drawn up on a special form in which the necessary data is entered without erasures or corrections. The information must be reliable. Breaking a rule may lead to future misunderstandings. It is important to indicate the following information on the form:

• client information;
• information about the financial organization;
• information about the agreement concluded with the creditor;
• description of the collateral property and its estimated value;
• amount of debt;
• details for carrying out mutual settlement between the parties.

The parties to the transaction sign the paper, and the bank affixes a wet stamp. When the mortgage is issued, the paper must be registered. It will be possible to carry out the procedure for removing the encumbrance at the moment of complete closure of obligations to the financial organization.

An apartment is the property that is most often used as collateral. Sberbank always accepts this type of property as collateral because it is valuable. When a citizen takes out a mortgage for this type of property, then it is necessary to pay attention to the following sections:

• Personal information of the owner of the collateral. This section contains information from the passport or other identification document of the mortgagee;
• Basic mortgage parameters. This paragraph indicates the terms of mortgage lending, the loan amount, parameters for repaying debt obligations, interest rates on the mortgage loan, the amount of the down payment and many other types of information that are reflected in the mortgage agreement;
• Apartment parameters. This section requires you to indicate the exact address of the location of the object, what it is called, its technical parameters, the collateral price, who carried out the assessment of the property, what document was issued and when;
• Information about the owners. This type of mortgage is required to reflect the circumstances under which ownership is transferred if someone else previously owned the property.

After completion, all mortgages are carefully checked. Only after verification is a bank stamp placed. This type of document is subject to sale or donation procedure.