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How to correctly fill out a mortgage application form at Sberbank: ready-made samples and useful tips. How to fill out a Sberbank application form to receive a loan

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

If you meet the requirements and are confident in your ability to pay, you can begin preparing to get a mortgage. The process is slow, 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, you need to approach its filling wisely.

How to fill out a mortgage application form

The application form for obtaining a mortgage is a weighty argument when Sberbank makes a decision, so it must be filled out as correctly and honestly as possible. So, the main criteria:

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

Accuracy. There are often unfortunate situations when a mortgage was denied due to technical errors when filling out the application form, as a result of which an error was made in spelling the surname, contact information, organization names, and so on. For this reason, security department employees cannot check the client or reach him on a particular phone number and make a negative decision on the request. Therefore, check all data very carefully for spelling errors.

Completeness of the information provided. There are often cases when a bank refuses mortgage lending due to the borrower’s half-empty application form. You are asking for a fairly large amount, which involves 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.

Amount and terms of the requested loan. It is also necessary to approach this issue as intelligently as possible and indicate the actual size and terms of the loan, assessing your capabilities, and taking into account 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 form

Each credit institution develops its own individual application form that a potential borrower must fill out.

You can fill out the application at a Sberbank branch yourself 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 form at home by hand, having previously printed it, or electronically. In the latter case, the questionnaire is printed after the answers are ready.

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

Application form for obtaining a mortgage at Sberbank

Download the 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 was corrected.

A third party can fill out the form for you, but you sign it. And you also bear all responsibility for the information provided. Therefore, check what you write carefully before signing.

It is best to fill out the document together with the co-borrower and other persons involved in the transaction. You also need to take into account that a separate application form, filled out in detail and correctly, will be required from each of them.

Sample of filling out a mortgage application form at Sberbank

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

Personal data, starting from full name and ending with data of immediate relatives;

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

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

Block of consent to the processing of personal data.

Sample form

Download a sample of filling out a loan application form

In order to write an application correctly and not get confused when answering this or that question, study in advance the sample form, which can be downloaded on our website, and the main points of what and how to indicate. Also, carefully read the tips written in small print to avoid mistakes.

1. Role in the proposed transaction. If you are the borrower yourself, check the appropriate box in the left column. There is no need to fill in your full name in the right column; other participants in the transaction (co-borrowers, guarantors) must write their data there. There is a separate column for your data.
2. Personal Information. Here indicate your full name, date and place of birth. 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 first create one so that you have a number, since this is an important document that is used to verify you through the tax authorities.

Fill out your passport information carefully and without errors, especially the name of the authority that issued the document. If you have a valid foreign passport, check the box next to it.

Data on changes in full name are important, as they allow you to check a person’s credit history or criminal record before changing their last name. Therefore, be sure to indicate your previous full name, if you changed it, as well as the reason for the change (most often it is marriage).

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

IMPORTANT: Having landline phone numbers significantly increases your chances of success.

Addresses. The application form requires full indication of the addresses of actual residence, registration or temporary registration. The very first and most important thing is the permanent registration address. Before you start applying for a mortgage, you must take care of its availability. If the place of actual residence coincides with the registration address, then this block does not need to be filled in. You just need to indicate the timing of 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 ticking the appropriate box. If there is a marriage contract, we note its existence. You also need to indicate whether you have children.

The “Relatives” section has more significance than it seems at first glance. Here you do not need to indicate the details of all relatives, but the closest ones are required. If you are married, then your spouse’s details must be entered, since he or she is automatically a co-borrower in this transaction (in the absence of a marriage contract). If you have children, you must indicate their details 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, then the income should be significant. 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 expenses. In addition, such clients will probably ask for a deferment on their mortgage, 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 loan repayment period. In addition to children, the questionnaire must indicate the details 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 out the information as detailed and accurately as possible. If you don’t know something (for example, the organization’s tax identification number, the exact name of your company, how many people work here), clarify this in advance. Fill out 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 your total length of service 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 based on the specified data that the bank will judge your solvency. The main point is the amount of income, which you can officially confirm (this could be a personal income tax certificate from your 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 as it is. If not, leave the field blank. Filling out the “recurring expenses” field may cause some difficulties. Here you need to be as honest as possible, and first of all with yourself, because you will then pay the monthly loan fee and manage the remaining amount of your monthly income. If a mortgage is purchased for a young couple or family, indicate the amount of your monthly expenses. The calculation needs to include payment for renting an apartment, rent, payment for telephone, Internet, school or kindergarten, and so on. This does not take into account taxes, current loan payments (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 indicate your share in the periodic expenses column. In the “family income” column, 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 specified in this column, bank employees will analyze your overall financial condition and solvency (after all, maintaining property sometimes requires a lot of money). In addition, property can to some extent act as a guarantor for the repayment 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. According to the law, a citizen has the right to give or not give his consent to a data check 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 sign, you must know what you are agreeing to. The last section is information about the loan you are requesting. Here you indicate the amount and term of the loan.

• in the “Additional information” section you must indicate information about bank cards or accounts opened only with Sberbank, if you have them. There is no need to indicate data on products from other organizations;
• you confirm the accuracy of the information provided and agree to its processing and verification;
• confirm that you have been notified of the bank’s right to refuse to issue a loan without giving a reason, understand and accept the risks associated with the mortgage loan if it is approved;
• give permission to Sberbank to request information about you from the Pension Fund, indicating your insurance number;
• you consent to the transfer of your data to cellular operators for additional verification;
• you allow the bank to check your credit history by indicating the Code of the subject of the credit history (find out in advance) and checking the appropriate boxes.
• At the end, we write the date and exact time of handing over the questionnaire to the bank employee, write our full name and sign. The manager who accepted your application also writes your full name and signs the document.

The last section is information about the requested loan. Here you indicate the amount and term of the loan.

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

How can I make it easier to fill out an application for a mortgage?

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

Documentation. Prepare in advance the documents whose data will need to be indicated in the application form: passport, pension insurance certificate, TIN, Sberbank plastic cards, bank account number, housing or vehicle passport (for filling out 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. Secondly, 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 count your total work experience.

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

Information about the place of work. Often people cannot immediately name the full official name of their organization, how many people work there, much less indicate the tax identification number. Therefore, find out such data in advance.

Thus, filling out an application to obtain a mortgage from Sberbank is not a simple or quick process and requires a reasonable approach. Be critical of your requests, soberly compare your capabilities, and provide the bank with reliable data. All this increases your chances of success. Remember that the bank has the right to refuse you without explanation. Be prepared for different outcomes when your application is reviewed. The reason for refusal may not only be your income level. The bank very carefully checks all the information you provided to it and evaluates your solvency, reliability and its 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-submitting documents 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 information about what loan product and what amount you need.

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

Borrower information

Borrower information

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, 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 changes in surname, name, patronymic must be filled in strict compliance with a passport.

Concerning contact information, then phone numbers must be indicated very carefully. The mobile phone number must be 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 indicate someone else’s number - however, you should understand that this may lead to unnecessary questions from the inspection service.

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

As for your work number, you should also include your landline phone number here. If you don't know him, you can leave this field blank. It is also not necessary to indicate an email address.

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

In the loan application Information about immediate relatives must be indicated in the event that these relatives also participate in the application as co-borrowers or guarantors.

Information about the work is provided in your own words. However, if you apply for a loan using two documents, you must check your employer’s TIN in advance, since its indication is mandatory. If you are an individual entrepreneur, then the category of the position held is enterprise owner/general. director/chief accountant.

It is not necessary to indicate information about the ownership of the vehicle; this does not significantly affect the outcome 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. The individual insurance number is also indicated here. It is not recommended to indicate it if you receive your salary “in an envelope”. On the other hand, it is advantageous to indicate it if you have a “white” salary, but have a bad credit history. If you specify an 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 that is created by the borrower. Subsequently, the borrower can use this code to find out in which credit history bureau his credit history is located. This is done using the Central Catalog of Credit Histories.

Information about the requested loan

In this part of the application form at Sberbank, information about the requested amount and type of loan product is indicated. Here you can also specify additional parameters for different types of loans - information about the availability of preferential conditions (for example, a young family) or the cost of the property and the amount of the down payment (mortgage), information about the seller of the 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.
The client’s signature is also placed here.

Types of Mortgage Lending

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

After successfully completing these stages, the client signs the contract. After this, he fills out the documents for housing, registers it, insures it and returns 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 home

Sberbank application form for obtaining a loan

In order to receive any loan from a bank, you must fill out a special document - an application. This application is submitted to the bank together with the completed application form. Thanks to this, the bank receives not only information that you want 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 form of document. 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 stipulated by law, so you can decide for yourself what information to indicate in the application form. In this case, you should know 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, then the more personal information will be required from you.

You must provide only truthful information!

It is worth drawing your attention to the fact that the bank requires only truthful information from you. When filling out an application for a mortgage loan, provide only relevant and truthful information. By signing in the form, you agree with the information that you provided and bear full responsibility for it.

In the event that you are provided with assistance in filling out the form, before signing, read all the information that will be recorded there. Please check that information such as:

• Passport details;
• Last name, first name and patronymic of the borrower;
• Phone number;
• Address, etc.

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

What does the loan application look like?

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

The application form for obtaining a loan from Sberbank includes the following points:

1. Loan details:

• The loan amount you want to take from the bank. Typically, during the consideration of the application, the lending committee reduces it;
• Next, indicate the terms for which you expect to take out a loan and the purpose of receiving 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 repayment method will be more profitable for you to pay for the loan, contact a specialist.

1. Information about the borrower, co-borrowers and guarantors

This paragraph provides information about the borrower. In this paragraph, provide up-to-date and honest information about yourself and the persons who will help you pay off your debt.

Include 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 concealment of important information.

This paragraph indicates the presence of property owned by you (House, apartment, garage, car, etc.). You can enter everything you own.

Do not be afraid to indicate whether you have this or that property. If you cannot repay the loan debt, the bank will only claim the property that was left as collateral. And the complete absence of your own property may alert the bank.

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

In the third paragraph of the loan application form, you must indicate your income. You can indicate all sources of income. This could be income from renting out a house or financial assistance from relatives. However, only those that can be documented will be taken into account.

1. Information about existing loans

The fourth paragraph indicates whether you have other loans and borrowings. If, 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 out a new one.

If you cannot currently repay your existing loan, then you need 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 whether you have had delays in payment or other unpleasant situations. If you have a tarnished credit history, you may be denied a mortgage loan.

1. Information about the property

This item is important to fill out. It indicates all the relevant information about the property that will be provided as collateral.

Be sure to indicate the size of the apartment, address, general condition, cost of the apartment, floor location, 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 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.

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 person filling out the form. Sberbank has a number of loan programs. Before submitting your application, you must select 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 application you should provide comprehensive information about yourself, and only on the last page select a loan program and indicate the amount of the loan. The sixth page includes the following columns:

• loan size;
• currency;
• maturity;
• loan purposes: for consumer needs, for the purchase of real estate or a vehicle;
• additional loan options: standard option, secured, with guarantee.

Official website of Sberbank of Russia

The period for consideration of the application may be extended by decision of the bank. Required documents for obtaining a loan from Sberbank

1. Completed loan application form
2. Passport of a citizen of the Russian Federation with registration. Temporary registration with a supporting document at the place of stay is allowed.
3. Certificate of income of the borrower/co-borrower/guarantor for the last 6 months: form 2-NDFL or according to the bank form - www.sbrf.ru/common/img/uploaded/files/pdf/person/necessary/Spravka_po_forme_Banka_p.rtf
4. Document confirming employment.

Attention! Borrowers aged 18–20 years are not allowed to have co-borrowers.

Sberbank application form for obtaining a loan: sample applications and forms

• Contents of the basic block of the questionnaire
• Contents of the credit block of the questionnaire

First, let's look at the first part of the form, which is responsible for information about the client.

1. Role in the proposed transaction. In this field you will need:
   1. Indicate who you are: a borrower, co-borrower, guarantor or mortgagor;
   2. Please indicate your full last name, first name and patronymic.
      Only necessary if you are not the main borrower;
2. Personal Information. Contains complete information about the borrower.

Sberbank: application - loan application form, income certificate in the bank form

Attention

Read the data processing terms and agree to them;

• Blocks of information for co-borrowers. They indicate general conditions and additional information;
• Final block.

In it, the borrower is obliged to:

1. Indicate the date of application;
2. Please indicate your full name again;
3. Put a signature.

Sample application form for obtaining a housing loan from Sberbank.pdfSample filling out the application form.doc This is where the first part of the application - the application form for obtaining a loan from Sberbank, which is responsible for client data, ends, and the block responsible for the loan offer begins. Contents of the credit block of the questionnaire After the first part of the application - the questionnaire for obtaining a loan from Sberbank, which is responsible for information about the borrower, has been filled out, you will need to fill out the part that is responsible for the loan itself.

Sberbank application form for obtaining a loan

Info

In this paragraph, the applicant is required to indicate how he wishes to receive the money:

1. To a new account that will be opened specifically for this purpose;
2. To a specific account in Sberbank;
3. To a Sberbank client card.

• The final part, in which the client signs with a transcript.
After you sign, the application form for obtaining a loan from Sberbank can be taken to the nearest branch. There they will consider it, if everything is in order with your request, they will approve it, and then, based on the agreement and the questionnaire, a lending agreement will be drawn up, under which you will be able to receive a loan.

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Application – application form for a loan from Sberbank

If you change your personal information, be sure to note this and indicate the reason;

• communication: telephone numbers: home, cell, work, etc. You can enter 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 your relatives works at Sberbank, this must also be indicated;
• place of work, position, length of service, employer data.

Application form for a loan at Sberbank

Everyone will be able to understand the Sberbank application form for obtaining a loan: sample applications and forms are clearly presented. To provide information about yourself you will need a whole package of documents:

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

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

• on whose behalf the application comes: from the borrower, authorized person, guarantor.
• personal information (passport data).

Application form for a consumer loan at Sberbank: detailed instructions

Important

The content of the article:

• The procedure for filling out a loan form at Sberbank
• Sberbank application form for obtaining a loan: sample applications and forms
• What documents are needed to apply for a loan?
• Procedure for filling out the form
• Additional ways to apply for a loan
• Sberbank Internet Banking

The procedure for filling out a form for a loan at Sberbank This form is a six-page questionnaire that allows you to submit an application form for a loan. Only applications with correctly entered and correct data are reviewed and approved (or not) by the credit committee.

The form can be filled out by any person related to the application: the bank manager, the guarantor, the lawyer, the client himself. The application itself can be submitted in written or printed form.
The main thing is to enter all the information without missing a single section.

Application form for a housing loan from Sberbank

The employee, in turn, also signs, accepts the application and transfers it to the credit department for consideration. back to content Additional ways to apply for a loan Having registered in Internet banking, you can submit an application through your Sberbank Online Personal Account. This form is easier to fill out, since all personal information has already been entered. Step 1 Step 2 to the content Sberbank Internet Banking Sberbank can offer a loan on individual terms if Internet banking services have been used for a long time. You just need to download the form and fill it out according to the same template if you are interested in the offer received from the bank. But indicate 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.

Sample application form for obtaining a consumer loan from Sberbank

• Write the citizen's full name;
• Note his date of birth;
• Information about the main work. This paragraph consists of many subparagraphs, each of which must be filled out separately and only if necessary:

1. Type of work and employment contract, as well as information for the unemployed;
2. Full name of the employer;
3. employer's tax identification number;
4. The position you hold;
5. Job category (for specialized professions and professions with authority);
6. Number of employees in the organization (approximate number indicated);
7. The number of employers you have worked for in the last three years;
8. Total work time over the last 5 years of activity;
9. Type of work performed;
10. Information about income and expenses;

• Information about existing real estate.

Application form for a consumer loan Sberbank form

Let's look at them all in order:

1. Amount data. You must specify:
   1. The requested amount;
   2. The currency in which the loan must be issued;
   3. The total number of months for which the loan will be required;
2. Credit product information.

   You will need to choose for what purpose you need the loan (indicate no more than one item);

3. Check the required parameters for the type of lending you have chosen:
   1. For a consumer loan, its type and type of benefits;
   2. For a car loan, this is data on the vehicle or transaction itself, as well as data on the seller of the vehicle;
   3. For a housing loan, this will be information on the housing transaction, a full description of the benefits and special conditions available to the applicant, as well as the cost and type of housing purchased;
4. Method of issuing funds.

If it is necessary to apply for a loan for any purpose, the client must provide complete information about himself. This happens by filling out an application for a loan at Sberbank.

Today the bank offers its clients a whole line of loan products for different occasions.

The application form for a Sberbank loan is a standard six-page form. Any citizen has the right to enter data into it: borrower, guarantor, trustee, bank employee in writing or in printed form (using software). All sections must be filled out; skipping columns is not allowed. If there are corrections, the signature of the person concerned must appear next to them.

The first thing a client needs to do is select a loan option. For the convenience of borrowers, a single version of the form is provided for providing information about themselves, regardless of what type of loan is issued - a mortgage, a car loan or any consumer loan. Five pages concern data about the borrower himself, and only the sixth indicates wishes regarding the type and parameters of the loan:

1. The amount of the desired amount;
2. Currency;
3. Duration of interaction;
4. Type of loan: consumer, mortgage, car loan.
5. Description of the characteristics of the selected option: loan without collateral, secured, with a guarantee, for personal farming or make, type, year of manufacture of the car. With a mortgage - ready-made, for construction, according to NIS; description of the property and its value.
6. Option for receiving a loan: to an existing account (enter the number) or you need to open a new one.

Sample forms of questionnaires and applications for obtaining a loan from Sberbank

You can obtain a sample of it in advance and familiarize yourself with all sections. What should you definitely pay attention to? In several places it is required to confirm the specified information with a personal signature. This applies to the following:

• After specifying personal information and characteristics;
• As confirmation that all data is true and current;
• Certificate of the selected loan type.

The future borrower can download the form to fill out on the official website of the banking institution

Required documents to obtain a loan

If you download the form in advance, you can enter all the information about yourself in a comfortable environment. This will avoid mistakes and will have a positive effect on the correctness of the information presented. Since it needs to be provided to the maximum extent, certain documents will be required:

• Passport ;
• Labor book;
• Personal income tax-2;
• Property papers;
• Pension and salary cards, if accruals occur through this bank.

The same documents will be needed if you decide to submit an application in person at a bank branch. This option makes it possible to use the help of an employee in difficult moments.

<Кредит на покупку автомобиля заполняется в аналогичной анкете, где указывается графа Автокредит

Procedure for filling out the form

The procedure for filling out the data of the future borrower does not cause any particular difficulties. The form contains the following main points:

1. Role in the program (borrower, guarantor, co-borrower).
2. Personal and passport information. If it is changed (last name, first name), you need to note the previous ones and the reason that caused it.
3. Contacts. It is recommended to leave the maximum number of phone numbers, because... this helps speed up the analytics process and decision making.
4. Education.
5. Addresses (residence, registration).
6. Marital status, immediate family. It is mandatory to enter information about the spouse, about other relatives - optional. If among them there is an employee of Sberbank, you should indicate the department or branch where he works.
7. Information about the employer, field of activity, position held, length of service. If this is a bank application for obtaining an individual entrepreneur loan, you need to tick the appropriate box.
8. Financial data: salary income, additional, total family budget, fixed expenses.
9. Property. Description of the apartment, house or car. Detailed specifications will be required. It is worth noting that you only need to submit information about those objects for which the borrower himself is indicated in the property documents.
10. Card numbers for payment of pensions or wages (if available).

Before the Sberbank application form for obtaining a loan is signed, the form must be checked again. The client must check the box indicating his responsibility when providing false or irrelevant information. It is worth reading the 4-5 page text that describes the reasons for using the data.

If you choose mortgage lending, you need to select Housing Loan in the application form.

Then you should enter your credit number to check your history of previous loans through the credit bureau. Having entered the date and time, you should hand it over to the employee, who is required to confirm its receipt with a personal signature. This will indicate that information about the applicant is being processed.

If it is necessary to obtain 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 Sberbank’s application form for a mortgage.

Promotional offer from the bank with state support for large families

A mortgage loan can only be issued at a bank branch. The client will need to collect a package of documents, select a mortgage loan option, obtain approval and sign an agreement. Filling out the Sberbank application form for a mortgage 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 at Sberbank

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

1. Purchasing an apartment from a bank partner company in a new building ready or under construction.
2. Buying an apartment from a seller on the secondary housing market.
3. Apartment in a new building.
4. Purchasing a house, country plot, cottage.
5. Construction of your own private house. You can get a loan for this procedure.

For any option, there is a single Sberbank mortgage application form, 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, which allows the capital issued at the birth of the baby to pay the initial contribution.

Special program for military personnel of the Russian Army

How to fill out an application?

The application form for obtaining a mortgage loan from Sberbank is contained on the original letterhead. The client must fill it out independently. There shouldn't be any particular difficulties. The questionnaire contains the following main points:

• Client's role: borrower, guarantor, co-borrower, mortgagor.
• Personal and passport data. If the last name has been changed, indicate the previous one. If you have a foreign ID, check the appropriate box.
• Indicate telephone numbers: home, mobile, office.
• Addresses: residence, registration or temporary registration.
• Information about relatives: parents, husband/wife, children. The questionnaire requires information about the spouses: date of birth, full name.
• Work: type of employment, company name, category of activity, client’s position, how many employees work in the organization, total length of service of the client at this enterprise, as well as for the year and for the previous 5 years.
• Family income: salary that can be confirmed with certificates, profit that does not have confirmation, total income taking into account the spouse’s salary. You also need to indicate the approximate amount of expenses of this nature: insurance premiums, rent, payments for obligations. Utilities and other small expenses are not taken into account.
• Family property: availability of housing (address, area, year of purchase), vehicle (registration details, age, cost).
• If you have a salary or pension card, indicate its number.
• Additional data (insurance number, credit history code).
• The 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 size of the first payment, principle of loan repayment (open a card account).

Program for purchasing an apartment from accredited developers

Download the application form

Sample filling

The application form requires the applicant's signature in two places. In addition to the standard signature at the end of the application, you also need to put your mark in the block for the borrower. It will indicate the study of the rules and conditions of the relationship with the creditor bank regarding the loan.

Using maternity capital money to buy a home

To speed up the application process, you can download the application form located on the bank’s website. By studying all the parameters and preparing the relevant documents required to be filled out, you can thus speed up the process at the bank branch.

Features of housing lending at Sberbank

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

With this product you can realize the dream of your dream country house

Interest rates for mortgage programs

The employee, after studying the data from the application form for a mortgage at Sberbank, an example of which is given above, sets an interest rate. Its maximum size is limited to 12.5-14% based on the selected type of loan. You can expect a reduction under the following conditions:

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

The interest rate will be 1% higher if the borrower does not take out life insurance.

If the housing is not registered accordingly, the rate is also increased by 1%, which is removed after completing this procedure. If the client is unable to document his constant profit, the rate for him increases by 0.5%.

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

The bank offers several mortgage lending options for clients

There are limits regarding the amount of a home loan:

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

After successfully completing these stages, the client signs the contract. After this, he fills out the documents for housing, registers it, insures it and returns 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 home

Conclusion

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