Sberbank's product "Military Mortgage" is a set of special conditions and offers developed for the military participating in the accumulative mortgage system (NIS) for the purchase of finished real estate.

The right to housing is enshrined in Federal Law No. 117 FZ of 20.08.2004 "On the Savings and Mortgage System of Housing for Servicemen". Sberbank actively promotes the implementation of this right by issuing loans at a reduced interest rate.

Why choose Sberbank

The number of the bank's clients in this lending segment is steadily increasing. This is directly related to its competitive advantages:

1. Lack of hidden and additional commissions for a mortgage agreement. The client knows what he is paying for and how these amounts are calculated.
2. Sberbank considers each application for a mortgage individually, depending on the capabilities and desires of the client.
3. Availability of minimum interest rates for real estate lending.
4. A military mortgage does not imply compulsory health insurance for the client.
5. The speed of decision making. Since the debt is paid from NIS funds, there is no study of the client's solvency.

Housing loan conditions

Military mortgages are provided to military personnel for a maximum of 80% of the contractual / assessed value of the acquired real estate.

The maximum amount of the military mortgage of Sberbank is 1.9 million rubles. The loan amount for each client is individual. Calculated based on the borrower's data. The contract is drawn up accordingly - in rubles.

The maximum contract duration can be up to 15 years. In this case, the term of full repayment of the loan is calculated until the age of 45 of the borrower. Also, a military mortgage cannot exceed the period for which a targeted housing loan was issued in accordance with the NIS.

The terms of the loan include a fixed annual rate of 12.5%. Compulsory home insurance contributions should be added to the interest, the amount of which depends on the chosen insurance company.

Monthly payments are calculated according to the annuity scheme - in equal installments. The borrower pays each month 1/12 of the accumulative contribution calculated for the current year. In 2016, it is 245,880 rubles.

A military mortgage assumes the presence of a pledge - residential real estate, which is the subject of the contract. The pledge is the acquired or own property of the borrower.

Conditions for purchasing real estate:

• Housing can be registered as private or common property.
• Co-owners can be: the client's family, co-borrowers and their family members.

Requirements for a potential borrower

To get a loan with a reduced interest rate, you need to be a soldier registered with the NIS. Sberbank also sets age limits for the client - from 21 to 45 years old by the time the contract ends.

The terms of the military mortgage of Sberbank do not imply the obligatory participation of co-borrowers or guarantors.

A soldier is not limited in the choice of the type of real estate. This can be housing both in the primary market and in the secondary market, both an apartment and a private house with a land plot.

To complete the contract, you must provide the following documents:

• Borrower questionnaire. Sberbank offers to get acquainted with its Internet version on the official website.
• Passport.
• Certificate of participation in NIS.
• Documents on the subject of the contract (Technical passport, sales contract, etc.). Moreover, their presence at the time of sending the loan application is not required. Originals and copies can be submitted within 60 days of the approval of the request.
• The bank, guided by its own considerations, may require documents that are not indicated in the list.

The procedure for obtaining a military loan

The first thing a potential client should do is to draw up a document proving the right to receive a loan such as a military mortgage. The second is to come to the bank. This should be a branch located at the place of registration of the borrower or at the location of the housing. For example, if a borrower lives in Moscow and wants to buy a house in Sochi, then he can contact the Moscow branch.

The loan officer fills out an electronic application form and sends it to the analytical center. Sberbank regulates the period for consideration of an application and making a decision on its basis - from 5 to 10 days.

If approved, the client is invited to the department to sign the contract.

The bank's employees not only advise the client, but also prepare documentation, in particular, fill out certificates and forms necessary for re-registering ownership of housing.

Mortgage repayment terms

In order to avoid penalties, the military mortgage must be paid on time, in accordance with the date indicated in the contract. Otherwise, a daily penalty of 0.5% of the assigned installment will be imposed. A monthly payment should be made, the amount of which is calculated by the bank and indicated in the payment schedule.

At the request of the client, full and partial early repayment of the debt is possible. In case of complete, the loan is closed. In case of partial - a part of the accrued interest and body (the value of the property) is paid. Due to this, the size of payments is reduced, while the term remains the same. The main condition for the recalculation is the availability of an application for this operation. The application specifies the date and amount to be debited.

Sberbank has created conditions for a comfortable mortgage payment. A military loan can be repaid without commissions at standard payment places - terminals, cash desks and through Internet banking. It is convenient to transfer the monthly payment directly from the company's accounting department to a bank account or to write off funds from the client's payment card / deposit account. These methods save the borrower's time on going to the bank, as they are carried out automatically.

In other options, post offices or cash desks of third-party banks are not the most favorable conditions due to the presence of an additional fee for transferring funds.

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This Privacy Policy is posted on the site, changes to the Privacy Policy are made by posting a new Privacy Policy on the site and comes into force from the moment it is posted on the site, no additional notice of changes is required.

A military man who is going to receive an NIS Certificate and issue a military mortgage, when choosing housing, needs to know the amount he can count on. A soldier can independently or with the help of a specialist calculate the cost of housing, which he can purchase using the funds of the military mortgage accumulation system.
The amount for a military mortgage consists of 2 parts - the funds accumulated on the Certificate over the years of service from the date of entry into the program and the bank loan. For the calculation, you can use the military mortgage calculator.

There are military mortgage calculators in every bank that offers the service of lending to military personnel, however, the calculation of the cost will only be from a specific bank, and in order to find out the best option for yourself, you will have to use the calculators of all banks. The search for a property on a military mortgage begins with a careful calculation of the value of the property that you plan to buy, and here it is very important not to make a mistake in the calculation and not miscalculate.

Note! on the initial data for calculating the military mortgage. In addition to the data: date of birth, date of receipt of the certificate, validity period of the certificate, the amount of savings in the certificate, there is a parameter credit approved by the bank !!! and here it is very important not to miscalculate, to choose the right bank and acquire more decent real estate and have a wider selection of offers on the market. Contact specialists whose specialization is!

PETERSBURG NEW BUILDINGS
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Military mortgage calculator

MORTGAGE CALCULATOR

Use the calculator to find out the maximum cost of an apartment under the "Military Mortgage" program

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How to use the military mortgage calculator

The military mortgage calculator is a convenient tool for calculating the amount of savings on the military account, as well as the amount of credit that a bank can issue. In addition, this online service is able to give a rough idea of ​​how the payment table will look like calculated by month. This information will allow the borrower to assess their financial capabilities, to determine the amount of the first installment on the loan and the amount of debt on the IDL (if the soldier takes out a military mortgage for the second time).

Where can I find out the amount of savings?

About how the military mortgage is calculated, or rather, what is the amount of savings on the account, few people know. There are two options for how to find out. The first is to go to the Rosvoenipoteka website under your username and see this data in your personal account. The second is to use a mortgage calculator. In this case, the military mortgage is calculated practically without errors.

How military mortgages are calculated

Initially, it was assumed that the funds allocated by the state should be enough to buy an apartment with an area of ​​54 sq.m. However, as practice shows, this amount is not always able to provide a serviceman with housing of such a size. If an officer or a contractor is interested in a military mortgage, he can calculate the amount of savings using a calculator, but in general, this amount is calculated taking into account the cost per square meter of real estate in a particular region. The first installment, which is 10% of the base price of an apartment, almost always accumulates over the first three years of participation in NIS, and then the monthly payments fall on the shoulders of the state. Additional costs associated with obtaining a loan are repaid at the expense of the borrower. These include:

• Consideration of an application for a mortgage loan.
• Loan disbursement fee.
• Property valuation.
• Insurance of the apartment, health and life of the borrower.
• Safe deposit box rental.
• Payment for the services of a realtor.

Military mortgage: savings calculator and how it works

The calculator can easily calculate a military mortgage, but it should be understood that this calculation cannot be taken as a basis and these figures cannot be required from the bank and the state. In any case, in reality, everything will turn out to be somewhat different.

To calculate a military mortgage, you need to indicate in the columns the year and month of inclusion in the register of the savings program (not earlier than 2005). After that, the service itself will calculate the amount of the accumulated amount on the serviceman's account. At the same time, the monthly charge is calculated as 1/12 of the annual contribution, which is constantly indexed and growing. In addition, all funds of NIS participants in their accounts take part in state investment projects, therefore, at the beginning of each year, the amount of savings is recalculated taking into account new income.

Calculation of a mortgage for the military: what you need to know to calculate

If you need to calculate the mortgage for the military, then you can use the second part of the loan calculator. Several parameters must be specified here:

• The amount of savings on the account of a soldier.
• The value of the property he has chosen.
• The amount of the first installment in percent.
• The maximum amount of a loan issued by a bank (this parameter is individual in each bank).
• The presence of maternity capital.
• Loan terms.
• Loan rate.
• Start date of payments.

The calculator will calculate the military mortgage instantly. True, you should not trust him 100%, since this online service is for informational purposes only and cannot guarantee the accuracy of the result.

The terms of mortgage lending for military personnel are constantly changing, so the military mortgage, the accumulation calculator for which is available on our website, is calculated differently each time.

M. "LENIN'S SQUARE", FINLANDSKY PR., HOUSE 4, PETROVSKY FORT BUSINESS CENTER, ATRIUM

* 1 Permanent promotion provided by the developer.
* 2 The mortgage is provided by PJSC "Bank" St. Petersburg general license No. 436, LLC CB "RostFinance" gen. license No. 481, JSC "Sberbank of Russia" gen. License 1481, OJSC Promsvyazbank, general license No. 3251 OJSC Zapsibkombank, general license for banking operations of the Central Bank of the Russian Federation No. 918 dated August 30, 2006, OJSC AK BARS Bank, general license of the Central Bank of the Russian Federation No. 2590 of July 31, 2012, VTB24 CJSC, general license of the Bank of Russia No. 1623 of October 15, 2012, PJSC Khanty-Mansiysk Bank Otkritie gen. License No. 1971, OJSC Gazprombank, gen. persons. No. 354, JSC "UniCreditBank", gene. license No. 1
* 3 In the assortment of Real Estate World LLC as of 12/15/2015

Many citizens of our country serve in the army. One of the most striking advantages of serving in the army is the opportunity to get housing in. A soldier can choose one of two options: buying a new building under construction or buying a finished home.

And in that and in this case, Sberbank is ready to provide you with a soft loan at 9.5% per annum.

Why it is worth taking a loan from Sberbank

• The rates have been reduced
• You are not required to confirm your solvency

How to get a mortgage from Sberbank for a serviceman

• First of all, you need to obtain a certificate of eligibility for a targeted housing loan
• We go to the portal from Sberbank and leave an application for a mortgage
• After reviewing the application by the bank, we receive mortgage approval
• Collect the necessary package of documents for the housing you are interested in
• We sign the mortgage documents in the bank, finding the nearest one, and insure the loan collateral
• We get a loan and now - your apartment.

Conditions for obtaining a military mortgage from Sberbank

• The loan amount must not exceed 85% of the appraised value of the property. That is, you must have a down payment of at least 15% of the cost of housing with you.
• Loan term should not exceed 20 years
• The loan will be secured by the purchased residential premises - it will be pledged by the bank
• According to the law of the Civil Code of the Russian Federation, you will be obliged to insure the living space purchased on a mortgage against the risks of loss / death.
• The mortgage interest rate is fixed at 9.5% per annum.
• The military borrower must be at least 21 years old.

Loan application consideration period

The term for consideration of an application for a military mortgage is 6 working days.

The maximum amount of a military mortgage in Sberbank

The maximum mortgage amount is 2.33 million rubles (2,300,000 rubles)

Will the apartment purchased under the mortgage be pledged by the Bank?

Yes, the acquired real estate object is pledged by the Bank until full (if the terms of the loan provide for the registration of the credited real estate object as collateral). Within the framework of the programs “Purchase of finished housing”, “Purchase of housing under construction”, it is possible to arrange as collateral for a loan as a pledge of the purchased apartment, and the mortgage of an existing apartment.

Thanks to the DomClick portal from Sberbank, it has become even easier to find housing. No need to wait for your turn at a bank branch or spend a lot of time looking for housing. After all, the DomClick portal has everything you need for this. It is enough to set up a convenient filter and you can start searching through a large real estate catalog. We wish you to purchase your dream home!