Application form for consumer credit in Sberbank. Application form for a home loan from Sberbank

Date of: 25.01.2022

Questionnaire of Sberbank for obtaining a loan

In order to get any loan from a bank, you must fill out a special document - an application. This application is submitted to the bank along with the completed application form. Thanks to this, the bank receives not only information that you wish to take out a loan, but also the necessary information about the borrower.

In all banks, the application form looks different. Each bank tries to create its own unique document form. Also, different banks require different amounts of information. Some banks only ask for the most necessary information. Others want to get as much information about the borrower as possible.

This procedure is specified by law, so you can decide for yourself what information to indicate in the application form. In this case, you should be aware that the larger the amount and the larger the loan you want to receive, the more information about you, the bank will request to make a decision. If you are applying for a mortgage, the more personal information you will need.

You must provide only truthful information!

It is worth paying your attention to the fact that the bank requires only truthful information from you. Filling out the questionnaire for a mortgage loan, indicate only relevant and truthful information. By signing in the questionnaire, you agree with the information provided and are fully responsible for it.

In the event that you are provided with assistance in filling out the questionnaire, before signing, read all the information that will be recorded there. Check that the following information is filled in correctly:

Passport data;
Surname Name and patronymic of the borrower;
Phone number;
Address, etc.

It is worth considering that all the information that you provide in the questionnaire will be fully verified through various channels. The Bank has every right to do so, since by signing this document, you have automatically given your consent to the subsequent verification of information.

What does a loan application look like?

If you decide to purchase a loan from Sberbank, you need to contact its branch in person. In order to get a loan, provide the bank with an application form and a package of documents. After receiving the application for a loan, a specialist from Sberbank will enter all the information into the database.

The questionnaire for obtaining a loan from Sberbank includes the following items:

Loan details:

The loan amount you want to borrow from the bank. Usually, during the consideration of the application, the credit committee reduces it;
The following indicates the terms for which you expect to take a loan and the purpose of obtaining it;
At the end, indicate the method by which the loan debt will be repaid. (This is an annuity or differentiated method).

In order to choose which method of repayment will be more profitable for you to pay the loan, contact a specialist.

Information about the borrower, co-borrowers and guarantors

This item provides information about the borrower. In this paragraph, indicate relevant and honest information about yourself, and about the persons who will help you pay off the debt.

Enter phone numbers, employment information, etc.

It is preferable not to leave fields blank. Since when considering an application, the bank pays attention to these gaps and considers them as hiding important information.

This paragraph indicates the presence of property that is in your ownership (House, apartment, garage, car, etc.). You can enter whatever you own.

Do not be afraid to indicate the presence of this or that property in you. If you cannot repay the loan debt, the bank will claim only the property that was left as a pledge. And the complete absence of their own property may alert the bank.

Income and expenses of the borrower, co-borrowers and guarantors

In the third paragraph of the questionnaire for a loan, you must indicate your income. You can list all sources of income. This can be income from renting a house or help in cash from relatives. However, only those that can be documented will be taken into account.

Information about existing loans

The fourth paragraph indicates whether you have other loans and borrowings. In the event that when applying for a mortgage loan, you are already paying off any loan, be sure to indicate this.

If you do not have a large loan debt, it is better to pay it off in full before taking a new one.

If you cannot repay the existing loan at the moment, then it is necessary to ensure its repayment, without any unforeseen circumstances. Since the bank will ask you to provide a loan certificate from the bank where you received it.

This certificate will show if you have had delays in payment, or other unpleasant situations. If you have a tarnished credit history, then you may be denied a mortgage loan.

Information about the property

This item is important to complete. It contains all the relevant information about the property that will be provided as collateral.

Be sure to include the size of the apartment, address, general condition, price of the apartment, location of the floor, etc.

There are cases when the bank may not like the object of collateral. In this case, you will have to re-apply for a mortgage with a different object of collateral.

At the end of the application form, explain why and for what purpose you are taking out a mortgage. At this stage, all the desired information and requirements are indicated.

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

The procedure for filling out a form for a loan at Sberbank

This form is a six-page application 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 in by any person related to the application: a bank manager, a guarantor, a lawyer, the client himself. The application itself can be made 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 one who fills out the form.
Sberbank has a number of loan programs. Before applying, you should choose 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 questionnaire, you should give comprehensive information about yourself, and only on the last page choose a loan program, indicate the amount of the loan. The sixth page includes the following columns:

loan amount;
currency;
maturity;
purposes of the loan: for consumer needs, for the purchase of real estate or a vehicle;
additional loan options: standard option, secured, with a guarantee. You should also write detailed information about the housing or car being purchased: cost, year of construction or production, etc .;
checking account for a loan.

Sberbank questionnaire for obtaining a loan: sample applications and forms

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

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

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What documents are needed to apply for a loan?

An application form for a loan can be obtained at a bank branch or through Internet banking. Everyone will be able to understand the Sberbank questionnaire for obtaining a loan: samples of applications and forms are presented in an accessible way. To provide information about yourself, you will need a whole package of documents:

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

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

The procedure for filling out the questionnaire

The following fields should be filled in:

on whose behalf the application comes: from the borrower, trustee, guarantor.
personal information (passport data). When changing personal information, be sure to note this, indicating the reason;
communication: phone numbers: home, cell, work, etc. You can enter the 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 the relatives works at Sberbank, this must also be indicated;
place of work, position, length of service, employer data. If you wish to receive a loan under the program for individual entrepreneurs, you should mark the corresponding item;
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, it is not necessary to indicate it;
if there are salary or pension cards of Sberbank, indicate this.

After filling in all the points, the information must be carefully double-checked. The client is responsible for providing false data to Sberbank.

Internet banking of Sberbank

Sberbank can offer a loan on individual terms if Internet banking services have been used for a long time. It is enough just to download the form and fill it out according to a single sample, if the offer received from the bank is of interest. But specify 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 through the feedback form of the service.

If a person decides to buy a home on credit, he will have to fill out a questionnaire for obtaining a mortgage at Sberbank. Paper plays a significant role during the decision 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

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

Entering data into the questionnaire is not difficult. To fill out the document, the borrower must enter information in the columns of the document or make a choice by ticking the appropriate box.

At the end of the application form, the signature of the applicant must be present. Its presence confirms that the citizen agrees to the processing of data.

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

Filling out a document

The questionnaire can be completed 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:

The client should try to provide Sberbank with the most complete information by entering data in most fields of the questionnaire. Columns can remain empty only if the person does not have the information to fill them out. If the application is half empty, the probability of its rejection will increase.
Only correct information must be entered in the questionnaire. The information provided in the application is being verified. If Sberbank employees discover that a potential borrower has tried to deceive a lending institution, the loan request will be rejected.
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 the full name, address and telephone number for prompt communication.
The amount of the desired loan amount should be indicated a little more than required. Statistics show that the bank often reduces this figure.

The form of the document contains tips indicating the information that needs to be entered in the fields of the application. If the applicant has encountered difficulties in the process of paperwork, he can be helped by a sample of filling out a questionnaire 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. In the application form, you will need to indicate their passport data. For this reason, experts advise filling out the questionnaire in the presence of co-borrowers and guarantors.

Section #1

The first section is general. It contains a comprehensive description of the mortgage loan being processed. Section 1 should contain the following information:

The purpose for which the borrower wants to receive funds;
Loan type;
The period during which the borrower plans to make full settlement of the obligations assumed;
Features of closing the debt to Sberbank.

When specifying the time period during which a person plans to repay the debt, it must be borne in mind that the period must comply with the conditions of one of the existing mortgage programs. Non-compliance with the established framework may lead to the rejection of the application.

Particular attention should be paid to fixing the features of closing the debt. Within the framework of this paragraph, the person must indicate the form of payments - annuity or differentiated. It should be remembered that the closure of debt for most mortgage programs is carried out using the first type of payment. In order to avoid a mistake, experts advise clarifying this issue with a Sberbank specialist before entering data into the questionnaire.

Section 2

Section 2 contains information about the persons participating in the transaction. Usually they include:

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

According to the rules in force at Sberbank, complete information must be provided on each person involved in the transaction. The section should include:

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 employment.

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 participants in the transaction are relatives, the credibility of them on the part of the credit commission increases significantly.

The probability 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 3

The third section is necessary to reflect information about the financial position of the applicant and other persons involved in the transaction. If a sample mortgage application form is used, Sberbank will ask the client to enter truthful data. When specifying information on the amount of income, it should be borne in mind that the loan commission will take into account only the monthly amount of money that the potential borrower receives at the official place of work.

In the section there is a column "Additional income". It is intended to indicate information about profits that are not part of wages from an official place of work. The section includes income received from:

From the rental of real estate;
For the implementation of labor activity at an additional place of work;
From relatives as financial assistance.

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

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

Section 4

If Sberbank is selected to receive a loan for the purchase of housing, the mortgage application form will contain section No. 4, designed to indicate other outstanding loans. If a person has outstanding debt obligations, this fact is not always an obstacle to obtaining a loan to buy a home. However, the borrower will have to notify the company of the existence of loans. When completing Section 4, you will need to specify:

Credit institutions in which the applicant has outstanding 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 the presence of outstanding debt obligations. The questionnaire for obtaining a mortgage must contain information about their availability. Sberbank checks the data of applied customers. If it turns out that the applicant has outstanding loans, the mortgage will be denied.

Before getting a loan to buy 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 can also be increased.

Section 5

Mortgages are issued strictly secured by real estate.

In its capacity is housing, which a person acquires with the money of the bank. The presence of collateral allows Sberbank to protect itself from the loss of funds in the event that the borrower violates the provisions of the loan agreement.

Section 5 is for describing the property that will act as collateral. Thinking about how to fill out a mortgage application form at a credit institution, the borrower must enter the following data:

Address of the property location;
The physical condition of the apartment or house;
The size of the acquired object;
Property price.

When evaluating a collateral object, Sberbank takes into account not only the price of real estate, but also its liquidity. The company is more willing to lend money to buy housing that:

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

Facts influence the speed of home sales. If the company understands that significant difficulties may arise in the sale of real estate, the likelihood of rejection of the questionnaire will increase.

Questionnaire

Examples of filling out the questionnaire

Existing nuances

If a person chooses Sberbank to receive money on credit to buy a home, the mortgage application will be simple. However, a number of nuances are still worth taking into account.

If it is necessary to issue a mortgage loan, the client can choose one of the programs that differ in conditions and requirements. It will also be important to learn the basic rules on how to fill out a Sberbank application for a mortgage.

Promotional offer of the bank with state support for large families

Registration of a mortgage loan takes place only in a bank branch. The client will need to collect a package of documents, choose a mortgage loan option, get approval and sign an agreement. Filling out the Sberbank mortgage application form is one of the key steps. Filling it out correctly will help you get a positive response from the credit institution.

Loan for the purchase of finished housing

Mortgage programs in Sberbank

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

Acquisition of an apartment from a partner company of the bank in a finished or under construction new building.
Buying an apartment from a seller in the secondary housing market.
Apartment in a new building.
Acquisition of a house, suburban area, cottages.
Building your own private house. You can get a loan for this procedure.

For any option, a single Sberbank mortgage application form is provided, which can be downloaded on our website.

In addition, there are special projects designed for the military, when part of the amount is paid at the expense of the state, and a maternal program that allows you to pay the initial contribution with the capital issued at the birth of a baby.

Special program for military personnel of the Russian army

How to fill out an application?

The application form for obtaining a mortgage loan at Sberbank is contained on the letterhead of the original sample. It must be filled in by the client. In this case, there should not be any particular difficulties. The questionnaire contains the following main points:

Client role: borrower, guarantor, co-borrower, mortgagor.
Personal and passport data. If the surname has been changed, indicate the previous one. If you have a foreign certificate, put the appropriate mark.
Specify phone numbers: home, mobile, office.
Addresses: residence, registration or temporary registration.
Information about relatives: parents, husband / wife, children. The questionnaire requires mandatory information about the spouses: date of birth, full name.
Employment: type of employment, company name, category of activity, position of the client, how many employees work in the organization, total experience of the client in this enterprise, as well as for the year and for the previous 5 years.
Family income: salary that can be confirmed by certificates, income that has no confirmation, total income, taking into account the salary of the spouse. You also need to indicate the approximate amount of expenses of this nature: insurance premiums, rent, payments on obligations. Utilities and other small expenses are not taken into account.
Family property: availability of housing (address, area, year of purchase), vehicle (registration data, age, cost).
If you have a salary or pension card, indicate its number.
Additional data (insurance number, credit history code).
Exact time and date of filling out the form.
Information about the loan: amount, currency, type of housing loan, repayment period, cost of housing, desired amount of the first payment, principle of loan repayment (open a card account).

Program for buying an apartment from accredited developers

Download the application form

Sample Fill

The application requires the applicant's signature in two places. In addition to the standard signature at the end of the application, it is also necessary to put your mark in the block for the borrower. It will testify to the study of the rules and conditions for the implementation of relations with the creditor bank regarding the loan.

Using maternity capital money to buy a home

To speed up the registration process, it is allowed to download the application form located on the bank's website. Having studied all the parameters, and having prepared the relevant documents required for filling, you can thus speed up the process at the bank branch.

Features of housing lending in Sberbank

To issue a loan for housing, you can provide housing or other property as collateral. This may affect the size of the bet, but is not a prerequisite. But it is necessary to insure the property under which the loan is taken. In this case, the term of the policy must correspond to the term of payment of borrowed funds.

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Interest rates on mortgage programs

An employee, after studying the data of the questionnaire for a mortgage at Sberbank, an example of which is indicated above, assigns an interest rate. Its maximum size is limited within 12.5-14% based on the selected type of loan. You can count on the reduction under the following conditions:

Receipt of salary on a bank card (pension).
The presence of a deposit, contribution, loan in the same credit institution.
Accounts and cards opened here.
The amount of the down payment. The higher it is, the more loyal the interest will be.

The interest rate will be 1% higher if the borrower does not insure life.

If the housing is not properly registered, the rate is also increased by 1%, which is removed after passing this procedure. If the client is not able to document his permanent profit, the rate for him increases by 0.5%.

The first installment is often set within 20% of the loan amount, for payroll clients - up to 10%. The repayment period can be 20 or 30 years.

The bank offers several options for mortgage lending to its customers.

There are limits on the amount of a home loan:

Minimum amount: 300 thousand rubles.
Maximum: up to 85% of the price of housing (according to expert estimates or the specified value in the contract).

After successfully passing these stages, the client signs the contract. After that, he fills out the documents on housing, registers, insures him and again applies 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 house

Conclusion

After the final decision on the choice of a mortgage program and preliminary calculations for the borrower, a very important stage begins - submitting an application for consideration to the bank. The correctness of the filling and the correctness of the data provided largely determines what decision the lender will make on issuing a loan.

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

If you meet the requirements and are confident in your ability to pay, you can start preparing for a mortgage. The process is not fast, 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, its filling must be approached wisely.

How to fill out a mortgage application form

The questionnaire for obtaining a mortgage is a weighty argument when making a decision by Sberbank, so you need to fill it out as correctly and honestly as possible. So the main criteria are:

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

Accuracy. Often there are insulting situations when a mortgage was denied due to technical errors in filling out the questionnaire, as a result of which an error was made in the spelling of the surname, contact details, company names, and so on. For this reason, the security department cannot check the client or get through on a particular phone and make a negative decision on the request. Therefore, very carefully check all the data for spelling errors.

Completeness of the information provided. Often there are cases when a bank refuses mortgage lending due to a half-empty questionnaire of the borrower. You are asking for a fairly large amount, which is associated with 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.

The amount and terms of the requested loan. It is also necessary to approach this issue as reasonably as possible and indicate the actual size and terms of lending, evaluating your capabilities, and given 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 questionnaire

Each credit organization develops its own individual form of the questionnaire, which is required to be filled out by a potential borrower.

You can fill out an application at a Sberbank branch on your own 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 questionnaire at home by hand, having previously printed it out, or in electronic form. In the latter case, the questionnaire is printed out after the answers are ready.

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

Questionnaire for registration of a mortgage in Sberbank

Download a 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 were corrected.

A third party can fill out the questionnaire for you, but you put the signature. And you are also responsible for the information provided. Therefore, carefully check what is written before signing.

It is best to fill out the document together with the co-borrower and other persons involved in the transaction. It should also be borne in mind that a separate questionnaire, filled out in detail and correctly, will be required from each of them.

A sample of filling out a questionnaire for a mortgage in Sberbank

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

Personal data, ranging from full name to the data of the next of kin;

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

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

Block of consent to the processing of personal data.

Sample of filling out the questionnaire

Download sample loan application form

In order to correctly write a statement and not get confused when answering a particular question, study the filling sample in advance, which can be downloaded on our website, and the main points of what and how to indicate. Also, carefully read the hints written in small print so as not to make mistakes.

Role in the proposed deal. If you are a borrower yourself, check the appropriate box in the left column. It is not required to fill in the full name in the right column, so other participants in the transaction (co-borrowers, guarantors) must write their data there. There is a separate column for your data.
Personal data. Enter your full name, date and place of birth here. 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 do it first so that there is a number, as this is an important document that is used to verify you through the tax authorities.

Fill in the passport data carefully and without errors, especially the name of the authority that issued the document. If you have a valid international passport, check the box for it.

Full name change data is important, as it allows you to check a person's credit history, or whether a person has a criminal record before changing their last name. Therefore, be sure to indicate the previous full name, if you changed them, as well as the reason for the change (most often this is marriage).

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

IMPORTANT: having landline phone numbers greatly increases the chances of success.

Addresses. In the questionnaire, it is required to indicate in full the addresses of actual residence, registration or temporary registration. The first and most important is the address of permanent registration. Before starting a mortgage, you must take care of its availability. If the place of actual residence coincides with the registration address, then this block can be omitted. You only need to indicate the terms for 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 a tick in the appropriate paragraph. If there is a marriage contract, we note its existence. You also need to indicate if you have children.

The "Relatives" section has more weight than it seems at first glance. It is not necessary to indicate the data of all relatives here, but the closest ones are required. If you are married, then the details of the spouse must be entered, as he or she is automatically a co-borrower in this transaction (in the absence of a marriage contract). If there are children, it is necessary to indicate their data 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, the income should be significant, respectively. 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 the expense item. In addition, such clients will certainly ask for a mortgage deferral, 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 term of the loan. In addition to children, the questionnaire must indicate the data 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 in the information as completely and accurately as possible. If you don’t know something (for example, the TIN of the organization, the exact name of your company, how many people work here in total), check it in advance. Fill in 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 the total work experience, fill in 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 according to the specified data that the bank will judge your solvency. The main point is the amount of income that you can officially confirm (this can be a personal income tax certificate from the 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 the way it is. If not, leave the field blank. Filling in the field "expenses of a recurring nature" can cause some difficulties. Here you need to be as honest as possible, and above all with yourself, because then you will pay the monthly fee for the loan and manage the remaining amount of monthly income. If the mortgage is purchased for a young couple, family, indicate the amount of your monthly expenses. The calculation should include payment for renting an apartment, rent, paying for the telephone, Internet, school or kindergarten, and so on. It does not take into account taxes, current payments on loans (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 enter your share of the interest in the recurring expense column. In the column "family income" 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 indicated in this column, bank employees will analyze your general financial condition and solvency (after all, sometimes a lot of money is required to maintain property). In addition, the property can to some extent act as a guarantor of the return 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. By law, a citizen has the right to give or not give his consent to the verification of data 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 put your signature, you must know what you are agreeing to. The last section is information about the requested loan. Enter the amount and term of the loan here.

in the "Additional Information" section, you must indicate information about bank cards or accounts opened only with Sberbank, if you have them. It is not necessary to specify the data of products of other organizations;
you confirm the accuracy of the information provided and agree to its processing and verification;
confirm that you are aware of the bank's right to refuse to issue a loan without giving a reason, understand and accept the risks associated with a mortgage loan, if approved;
give permission to Sberbank to request data about you from the Pension Fund, indicating the insurance number;
consent to the transfer of your data to mobile operators for additional verification;
allow the bank to check your credit history, indicating the Code of the subject of the credit history (find out in advance) and ticking the appropriate boxes.
At the end, we write the date and exact time of the transfer of the questionnaire to the bank employee, write the full name and put a signature. The manager who accepted your application also writes your full name and signs the document.

The last section is information about the requested loan. Enter the amount and term of the loan here.

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

How to make it easier to fill out a mortgage application form?

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

The documents. Prepare in advance the documents, the details of which will need to be indicated in the questionnaire: passport, pension insurance certificate, TIN, Sberbank plastic cards, bank account number, housing or vehicle passport (to fill in 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. Second, 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 calculate the total length of service.

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

Information about the place of work. Often people cannot immediately give the full official name of their organization, how many people work there, and even more so indicate the TIN. Therefore, find out such data in advance.

Thus, filling out a questionnaire for obtaining a mortgage at Sberbank is not a simple, fast process and requires a reasonable approach. Be critical of your requests, soberly compare your capabilities, provide the bank with reliable data. All this increases your chances of success. Remember that the bank has the right to refuse you without giving reasons. Be prepared for different outcomes of your application. The reason for refusal can be not only the level of your income. The bank very carefully checks all the information that you provided to it, and evaluates your solvency, reliability and your 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-applying 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 data on which loan product and how much you need.

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

Information about the borrower

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, then 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 changing the last name, first name, patronymic must be filled in strict compliance with a passport.

Concerning contact information phone numbers must be entered very carefully. The mobile phone is 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 someone else's number is indicated - however, it should be understood that this may lead to unnecessary questions from the checking service.

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

As for the work number, the landline phone number should also be indicated here. If you do not know him, then you can leave this field blank. E-mail is also optional.

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

In the application for a loan Information about the next of kin must be specified in the event that these relatives also participate in the application as co-borrowers or guarantors.

Information about the work is indicated from your words. However, if you are applying for a loan using two documents, you must clarify the TIN of your employer in advance, since its indication is mandatory. If you are a self-employed entrepreneur, then the category of the position held is the owner of the enterprise / gene. director/chief accountant.

It is not necessary to indicate information about the ownership - vehicle, it does not significantly affect the result 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. It also indicates the number of the individual insurance number. It is not recommended to indicate it if you receive a salary “in an envelope”. On the other hand, it is beneficial to indicate it if you have a “white” salary, but have a bad credit history. If you specify the 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, which is created by the borrower. Subsequently, the borrower can use this code to find out which credit bureau has his credit history. This is done with the help of the Central catalog of credit histories.

Information about the requested loan

This part of the application form at Sberbank indicates information on the requested amount and type of loan product. Here you can also specify additional parameters for different types of loans - information about the availability of preferential terms (for example, a young family) or the value of the property and the amount of the down payment (mortgage), information about the seller of a 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.
This is where the customer's signature is placed.

Mortgage types

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

The best option for a large family is your own house