The Young Family program is a special mortgage loan provided by Sberbank. It is issued on preferential terms, and unlike a regular loan, it is intended for a strictly defined category of the population. But how should one act to take advantage of such a program and improve their living conditions?
You will need
- - passport;
- - income statement;
- - Marriage certificate;
- - birth certificate of the child;
- - a certified copy of the work book.
Instruction manual
1
Check if you meet the requirements of the program. It can be attended by families in which one of the spouses is under thirty-five years old, or by parents raising children alone, again under the age of thirty-five. You also need to approach the general requirements for participants in all mortgage programs of the bank - be at least twenty-one years old, work in one place for at least six months and have a total work experience of more than a year.
2
If you meet the bank’s stated criteria, collect the necessary documents. Order a certified copy of the work book from the personnel department of your organization. Each page of the copy must be certified by the signature of the responsible officer and the seal of the organization. Also, get an income statement from the accounting department for at least the last six months. This can be either a 2NDFL certificate or a certificate in the form of a bank, which can be downloaded on its website. If you plan to use maternity capital during the purchase, you will receive an appropriate certificate. In the event that you are self-employed, you must present a certificate of registration instead of income statements, as well as a tax return for the last reporting period.
3
To the finished package of documents, contact one of the branches of Sberbank, whose addresses can be seen on the official website of the bank. If you want to attract a co-borrower, he must also appear with a passport, documents confirming solvency and relationship with the borrower.
4
If the decision is positive, within four months, submit to the bank a contract of sale for the property of your choice or an agreement on participation in shared construction, if you are purchasing housing under construction.
5
Together with the bank, complete the purchase of new housing. Before signing, carefully study all the papers, including the loan agreement, which will indicate the frequency and size of payments, as well as the down payment. According to this program, it can be at least 10%.
