Delay in the mortgage in Sberbank

Mortgage is a very serious step, when it designs the client must be confident in its financial position.

Why is it important to be able to draw a delay?

According to statistics, over the past year, almost 10% of all signed mortgage agreements was terminated early. In most cases, this is due to the fact that the client simply decides to sell the object of real estate and the money has closed its debts to the bank.

In other cases, borrowers simply lack income and the Bank initiates the procedure for collecting property with subsequent sale. In such cases, a citizen remains without housing.

Such situations are explained by the fact that borrowers have problems with finances and they are forced to take complex decisions. This is a very unpleasant situation when, for a long period, the client contributed to every payment in a timely manner, but for some reason he became unemployed or lost its source of income.

But for the bank, the main thing to get paid money back, so the exit from the situation can be either the sale of property or. Most large banks provide similar moments and loyally relate to customer requests.

Delay in the mortgage in Sberbank will allow the client to get the time to solve their financial problems and become back to his feet. It is worth noting that each individual case will be considered individually and the reason for the deferment must be really valid.

Conditions that exhibits Sberbank

Sberbank is one of the major banks in Russia, which has established itself with a loyal attitude to customers. Thanks to this, most citizens first turn out here.

It is worth noting that this bank is the leader not only in the number of approved applications in the issuance of mortgage loans, but also in the number of failures. But even with such statistics, other banks are difficult to compete, so they are forced to offer more favorable lending conditions.

In most cases, the terms of the loan agreement allow to obtain a temporary deferment for payment of monthly contributions. In any case, for the receipt of credit holidays and the reasons must be respectful.

The conditions for delay in the mortgage in Sberbank are simple, but it will be extremely difficult to get the maximum period.

For this we need very good reasons why the borrower loses its solvency. First of all, the client must fulfill several conditions to access the bank for help:

1. since the conclusion of the contract, at least 6 months passed;
2. for the entire loan period, the client never allowed delay in payments;
3. good reason for the temporary loss of solvency.

Before , how to get a delay in the mortgage in Sberbank, the client must be confident that the terms of the contract were carefully fulfilled and it has already made at least 6 monthly contributions.

In other words, if the mortgage agreement is imprisoned only two or three months ago, it will not be possible to immediately ask for a delay. In addition, undesirable delay in paying.

The borrower is important to know that this is not the obligation of the bank - to issue a delay to everyone, and even when complying with all the conditions and the availability of a valid reason for the bank in the right to refuse.

As practice shows, most of all the chances of getting a delay from those customers, which throughout the rock lending thoroughly observed the conditions of the mortgage agreement. Depending on the situation, the period of credit holidays can range from 1 to 3 years.

Who can qualify for a delay?

In Sberbank, the temporary suspension of loan payments is a complex process. This is due to the fact that it is necessary to convince the bank that it is temporarily not possible to pay the loan and the accrual of fines will not be out of the situation.

Officially there are several reasons according to which Sberbank can give a delay:

• the client lost its source of constant income. This is the main problem in most cases. True, there are several conditions from the bank: dismissal should occur for reasons that do not depend on the client. It may be a reduction in the staff of employees, bankruptcy of the enterprise and others. If a person himself left his work or he was fired for permanent disciplinary disorders, then it would be extremely difficult to obtain a delay;
• serious borrower or close relative. The bank can meet in cases where a large amount of money will be required for treatment, because of which the client cannot make payments on the loan;
• replenishment in the family. This joyful event for family and banks usually help young families in such situations. Sberbank is no exception and will help delay payments on the principal debt for up to 3 years.

But before taking a delay in mortgage in Sberbank, you will have to collect documents:

1. if the dismissal from work happened not by the fault of the borrower, then he will have to provide a copy of the Labor Book with a record from the former leadership;
2. in the event of a serious illness, you will have to bring all possible references that will be able to prove the need for expensive treatment;
3. , then the documents will need a child's birth certificate and marriage certificate.

The bank can offer several other solutions. If the temporary delay does not help the client, you will have to enlist the support of a reliable client, which will be a guarantor in the transaction.

He will guarantee the fact that the client will be able to return all debt in time. It is important to remember that the delay in the mortgage payment in Sberbank allows you to temporarily suspend the payment of the principal debt, but the interest rate will still have to pay monthly. Therefore, you should not understand this process as a complete stop of payments.

Read more about credit

• Term up to 5 years;
• Loan up to 1.000.000 rubles;
• Interest rate from 11.99%.

Read more about credit

• By passport, without reference;
• Loan up to 15.000.000 rubles;
• Interest rate from 9.99%.

Credit from the Eastern Bank

Place a credit

Read more about credit

• Term up to 20 years;
• Loan up to 15.000.000 rubles;
• Interest rate from 12%.

Credit from Raiffeisenbank

Place a credit

Read more about credit

• Term up to 10 years;
• Loan up to 15.000.000 rubles;
• Interest rate from 13%.

Read more about credit

• Solution instantly;
• Loan up to 200.000 rubles only on the passport;
• Interest rate from 11%.

Credit from home loan bank.

Place a credit

Read more about credit

• Term up to 4 years;
• Loan up to 850.000 rubles;
• Interest rate from 11.9%.

Credit from Sovcombank.