How to write an application to Sberbank for refinancing. Application for refinancing a loan - how and where the document is submitted. Rules for applying for loan refinancing
Refinancing a mortgage loan implies a sequence of certain actions, as a result of which a refinancing transaction can be considered successful.
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Often everything depends on the borrower himself. Today, such a financial procedure as refinancing is available in many Russian banks.
It is often used by those borrowers who have several loans from different banks. Relending allows you to combine all loans into one.
As for mortgage lending, it can also be refinanced. Often, the terms of such a loan become unprofitable, and refinancing allows you to make them so again.
What you need to know
It is not necessary to professionally understand all the credit and financial nuances. This is the responsibility of bank employees and creditors. But to know the meaning of some basic terms and concepts still does not hurt.
You can simply open the Internet and find the terms you need there, or you can get advice from a person competent in this matter.
The necessary information can be found in many laws, where detailed explanations of one or another concept related to lending are given.
Necessary terms
Refinancing consists in obtaining a new one, which goes to repay the debt on the current loan.
Such a loan allows you to get a reduced interest rate, an increased debt repayment period, a decrease in the monthly installment.
It also allows you to change the currency at the request of the borrower. Mortgage refinancing is available at many banking organizations.
In some banks, you can refinance a loan from another banking institution.
Trade opportunity
For the transaction to take place, it is necessary to clearly comply with all the requirements of the banking organization, as well as adhere to the rules of the loan agreement.
Only an adult borrower can receive refinancing (most often banks require reaching the age of 21), while late payments on previous loans are not allowed, otherwise this will automatically make the transaction impossible.
Permanent or temporary registration at the location of the bank is also required, but, surprisingly, some banking institutions allow those who are not citizens of the Russian Federation to issue refinancing.
That is, the citizenship of a given country is not always one of the mandatory requirements.
Maximizes the chances of getting a refinancing confirmation of a permanent source of income and an official place of work.
Many banks want to make sure as much as possible of the client's solvency, thereby paying special attention to the financial situation of the borrower.
What regulations governed by
Mortgage lending is controlled by laws, violation of which is unacceptable.
Today in Russia there is no law on refinancing a mortgage loan, but information about this is in two federal laws.
Don't underestimate the importance of laws in lending. It is on their basis that all transactions between lenders and borrowers take place.
Therefore, such cooperation automatically requires both parties to know the main articles of the normative legal acts.
Mortgage refinancing program
As mentioned above, banks offer their clients several mortgage lending programs.
Each program differs in terms of conditions, such as rates, maturities and maximum loan amounts.
Many banks are wary of borrowers who even have repaid arrears in the past.
Therefore, it is better if you have an ideal credit history without financial burden, then any refinancing loan program will be available to you.
Despite the different conditions, each program implies the same order of registration.
It consists in visiting your bank in order to inform about refinancing, then, in case of refusal, you must visit another banking institution.
And with a ready-made package of documents and information on the state of the mortgage loan, then decide on the lending program, and if all the documents are in order, conclude an agreement.
List of documents to be prepared
Any credit operation involves the obligatory submission of a package of necessary documents.
Refinancing is no exception and also requires specific securities for its implementation. In addition to your passport, you will need to present:
- a paper confirming the borrower;
- SNILS;
- original or photocopy of the work book;
- documents for real estate, which acts as collateral;
- papers with detailed data on the current loan.
In addition to the correct execution of all the above documents, it is necessary to correctly fill out an application for obtaining a loan in a particular bank.
Sample application
How the rate is calculated
Perhaps the most important point to pay special attention to is the accrual of interest.
After all, it will depend on their size how large the overpayment for using the mortgage product can be. Banks offer fixed or floating rates.
If it is fixed, then there is no need to worry about changes, but if it is floating, then it can be either constant or variable. Much depends on the conditions that are specified in the contract.
The value of the interest rate is directly influenced by the maturity and size of the loan, as well as the tax deduction that is granted both on the principal amount of the mortgage loan and on the interest paid.
An increase in the rate of several points is possible in the event that the borrower missed the mandatory payment.
State re-crediting program
Today one of the mortgage lending programs is the state program. Many banks provide this loan product to certain categories of Russian citizens.
Borrowers who have signed an agreement for the acquisition of real estate in the Russian Federation, and this property is the first for people, can take advantage of the offer of the state program.
Among all citizens, combat veterans, disabled people, families with more than one or more minor children have the right to receive the state re-crediting program.
What banks are engaged in issuing
Banks are those credit and financial institutions that most often apply for mortgage refinancing.
Not all banking organizations provide such, but those that do, try to create the most favorable conditions in order to attract customers.
Before choosing an institution in which it will be possible to re-credit, it is necessary to compare the banks.
After all, each banking organization implies different conditions for issuing a loan. Conditions of banks providing mortgage refinancing services:
| Banking institution | Rate,% | Loan amount | Maturity dates | Requirements |
| VTB 24 | From 12.95-13.95% | From 1.5 to 90 million rubles | Up to thirty years | Work experience of at least one month from the last workplace, permanent residence permit, age from 21 to 70 years |
| MDM Bank | 13.3-24.5% (for a period of two to five years), 15-24.5% (for a period of up to seven years) | From 100 thousand rubles to 1 million | From two to seven years | Age - 23-65 years old, work experience - four months from the last place of work |
| JSCB "Absolut Bank" | 14-16.75% per annum | From 300 thousand to 15 million rubles | Twenty five years | Good credit history, payment of at least 12 installments, no restructuring |
| Gazprombank | From 12-12.5% | Up to thirty years | Age from 20 years, work experience more than half a year from the last place of work | |
| VTB Bank of Moscow | From 11.95% | The minimum amount is 170 thousand rubles, the maximum should not exceed 80% of the cost of the object | Three to thirty years old | Age from 21 to 75 years old, military ID for men up to 27 years old |
| Uralsib | 12.75% to 13.0% | Up to 15 million rubles | Three to twenty five years | Age from 18 years old, permanent or temporary registration within the Russian Federation, work experience of at least six months from the last place of work |
You can see that each bank has different amounts, terms and interest. But, despite this, in each of them it is possible to arrange quite profitable refinancing of a mortgage loan.
Emerging nuances
In the process of concluding a deal, the borrower may have some questions. They must be resolved in advance to avoid possible problems in the future.
The available information can be provided by the manager of a banking institution. He is obliged to do it absolutely free.
If with an increase in the loan amount
This is due to the fact that the price of real estate can become higher over several years, and accordingly the borrower needs a larger loan.
If after repayment of the mortgage loan there is money left, the borrower can dispose of it at his discretion. For example, spend them on repairs.
Repayment methods
Any loan must be returned sooner or later. Fortunately for borrowers, today there are many available options to repay a loan.
Each bank offers its own options to repay the loan, but among them the most basic ones can be distinguished:
- using the cash register or ATM of a specific bank;
- using payment systems Zolotaya Korona, Unistream, Contact;
- by transfer to a bank card or current account of a banking organization;
- using the Qiwi payment terminal;
- in cash at a bank branch.
Advantages and disadvantages of the procedure
Any process has clear advantages and disadvantages. The operation of re-crediting mortgage loans also includes both disadvantages and advantages. First of all, it's a fairly quick and easy process.
If all your documentation is in order, and the bank has no questions about the bank's solvency, then you can safely count on successful refinancing within a few days.
The new one implies more comfortable conditions, it allows you to increase the size of the loan and reduce the rate.
Some banks create more favorable conditions for holders of salary cards of this institution.
For other categories of citizens, for example, for young families or for war veterans, a special program of state support has been developed, which allows you to arrange refinancing at very favorable interest rates.
You can also change the currency. There are noticeably fewer disadvantages. Firstly, the client must be solvent, and even a credit history with already paid debts can raise doubts in the bank.
Early repayment of a loan is not always welcome. Banks often accompany it with additional costs in the form of fines and commissions. But among other things, it will be necessary to re-execute all papers and documents.
Refinancing a loan is becoming commonplace. We will tell you when and to whom refinancing is beneficial, how to submit an application correctly, which bank to contact
Who can apply for mortgage refinancing and when?
Now refinancing is more popular than ever, because the rate on mortgage loans, if not rapidly, then systematically decreases. Today on the market of new buildings the average rate is 10.4% per annum, it is quite possible that by the end of this year it will drop to 7.9-7.7%, if not lower. It is clear that it is completely unprofitable to repay the loan, which was taken several years ago at 14% per annum or more, on the same conditions. In such cases, borrowers have the right to refinance the loan. You can do this at your bank or contact some other. For example, there are existing refinancing programs in Raiffeisenbank, Gazprombank, Alfa-Bank, Uralsib Bank, the Agency for Housing Mortgage Lending (AHML), etc. As Aleksey Novikov, head of the Est-a-Tet Mortgage Center, warns, refinancing is possible in all banks only after obtaining ownership of the apartment. Before registration of ownership of an object in a new building, it is possible to refinance a loan only in AHML. Each client is considered by the bank individually. On average, within the framework of refinancing, rates can be reduced to 10-11%, says Elena Mishchenko, head of the city real estate department of the North-Eastern branch of NDV-Nedvizhimost.
Refinancing procedure
The refinancing procedure will take the borrower almost as much time as it takes to process the loan itself. Before writing an application for refinancing, it is necessary to obtain a certificate of consent from an existing bank to restructure the loan, experts of Est-a-Tet warn. Next, you need to fill out an application form in the form of the bank where you plan to receive a new loan. At the same time, the package of documents will include similar certificates and statements as with a primary loan: passport, documents confirming income and employment (certificate in the form of 2-NDFL, certificate in the form of a bank), credit agreement for a refinanced loan, certificate of ownership for the mortgaged real estate, an extract from the Unified State Register, certifying the carried out state registration of rights. After the approval of the new loan, a real estate appraisal is ordered and the loan is refinanced. Next, an agreement is signed for the issuance of a new loan and the closure of the old one (by transferring money from the account of the new bank to the account of the previous one). Changes are subject to mandatory registration in the registration chamber.
What expenses should you prepare for?
A borrower who plans to refinance a loan needs to prepare for additional costs. According to Tatyana Guseva, director of the MIEL-Novostroyki mortgage center, there are many procedures to be repeated that require payment: registration, registration of a mortgage, insurance for another bank, or even changing the insurance company if the previous one does not cooperate with the new bank, etc. You should also heed this expert advice: if you have been repaying your loan for several years, then refinancing is not profitable. The main burden of paying interest falls precisely on the first years of loan repayment.
Will they give or not?
According to experts, a positive response from a bank to a request for refinancing a loan depends on many conditions, as in the case of a mortgage. As Tatyana Guseva reminds, the client must provide a statement, which indicates the cost of the apartment, the absence of an initial payment, the balance of the debt. However, the decisive factor in making a positive decision is not the application, but the borrower himself. He must be officially employed, receive a stable income, and have a good credit history. Additionally, it is possible to attract a co-borrower with a good income. “The conditions necessary for receiving a positive response vary from one lending institution to another, while banks take into account a number of factors and nuances. For example, it is important for individual players that at least a million rubles are left for maturity, and the payment period is at least 5 years, ”says Elena Mishchenko, head of the city real estate department of the North-Eastern branch of NDV-Real Estate. - In addition, banks take into account the points that speak about the good faith of the borrower. We are talking not only about credit history, but also the timely payment of taxes and fines, the possibility of confirming income for 2-NDFL. In addition, the presence of a salary card in the bank is taken into account. " So, when applying for refinancing, you need to appear in the eyes of the bank as a profitable client. Don't advertise your problems. Information about job loss, financial difficulties, young children - for the bank, all these arguments are not in your favor, but vice versa. Refinancing can be obtained, as is the case with a mortgage, by demonstrating your strengths and proof of solvency.
| Loan currency | Russian rubles | |
| Minimum loan amount | from 300,000 rubles | |
| Maximum loan amount | Should not exceed the smaller of the values: 80% of the value of the property indicated in the appraisal report Maximum amounts for various purposes of obtaining a loan:
|
|
| Credit term | from 1 to 30 years old | |
| Loan issuance fee | absent | |
| Refinanced loans | With the help of one loan "Refinancing secured by real estate" you can refinance:
Up to five different credits:
Refinancing a mortgage loan is mandatory for obtaining a loan under the product "Refinancing secured by real estate". |
|
| Loan issuance fee | absent | |
| Loan security | Pledge of the property:
If the property is purchased with a refinanced mortgage loan, it can be encumbered with a mortgage in favor of the primary lender. This encumbrance is removed after repayment of the refinanced mortgage loan, after which the property is pledged to the Bank. If the funds of a refinanced mortgage loan were not used during the acquisition of the real estate object, then such an object should be free from encumbrances with the rights of third parties / be under arrest (prohibition). |
|
| Insurance | Voluntary life and health insurance of the borrower in accordance with the requirements of the Bank. |
| Age at the time of the loan | at least 21 years old |
| Age at the time of repayment of the loan under the agreement | |
| Work experience | at least 6 months at the current place of work and at least 1 year of total experience over the last 5 years ** |
| Attracting co-borrowers | The Borrower / Title Co-borrower must be the borrower / co-borrower for the Refinanced Home Loan Loan (only if he is the spouse of the Refinanced Home Loan Borrower). If there are conditions in the loan documents for a refinanced housing loan, according to which all actions related to its registration, receipt, support are assigned to a specific co-borrower, the Borrower / Title co-borrower must be this individual. The requirements for the Co-Borrower (s) are the same as for the Borrower. The spouse (s) of the Title Co-Borrower is not included in the Co-Borrower only in the following cases:
|
| Citizenship | Russian Federation |
The spouse (s) of the Title co-borrower is a co-borrower on a mandatory basis, regardless of his (her) solvency and age ***.
* The loan repayment period fully falls on the working age or retirement age of the borrower / each of the solvent co-borrowers.
** This requirement does not apply to clients receiving a salary to an account with Sberbank.
*** Except in the case of a valid marriage contract.
To consider a loan application you need:
- Borrower / co-borrower passport with registration mark;
- Document confirming registration at the place of stay (if there is a temporary registration);
- Documents confirming the financial condition and employment of the borrower / co-borrower / guarantor
- number of the loan agreement
- loan amount and currency
- interest rate
- monthly paymentThis information must be confirmed by submitting any of the specified documents to the bank: loan agreement, payment schedule, notification of the full cost of the loan, a document confirming the change in the details of the Primary Lender.
- For each refinanced loan, information must be provided:
- number of the loan agreement
- date of conclusion of the loan agreement
- the term of the loan agreement and / or the loan repayment period
- loan amount and currency
- interest rate
- monthly payment
- payment details of the Primary Lender (including account details for repayment of the Refinanced Loan)To confirm the specified information, it is necessary to provide the bank with any other document: a loan agreement, a payment schedule, a notice of the full cost of a loan, a certificate / statement of the outstanding balance, confirming the change in the details of the primary creditor.
The Bank reserves the right to additionally request information about the refinanced loan from the client during the consideration of the loan application:
- on the balance of the outstanding loan on the refinanced loan with accrued interest
- on the presence / absence of current overdue debt and overdue debt within the last 12 months
Such information must be confirmed by a document from the creditor bank for the refinanced loan (certificate, statement or other document). The information must be current as of the date it is submitted to Sberbank.
About details for repayment of refinanced loans:
Payment details to which the amount will be sent to repay a loan in another bank must be provided when presented to the bank primary package of documents. If these details will change in the period between the filing of the application and the issuance of a loan by the Bank, the loan will not be issued and the loan application will need to be resubmitted with the indication of new details
If refinanced the loan was transferred / sold to another bank (another organization: for example in AHML), then when applying it is necessary to provide the Bank with a document confirming the change in the details for repaying the refinanced loan.
Documents that can be provided after the approval of the loan application:
- Documents on the collateral provided (can be provided within 90 calendar days from the date the Bank makes a decision to issue a loan)
If you partially repaid the refinanced housing loan with maternity (family) capital or maternity capital was used to purchase real estate pledged to the Bank, you need to obtain consent from the guardianship and trusteeship authorities to mortgage the real estate (on the basis of clause 3 of Article 6 of the Federal Law -102 "On mortgage (mortgage of real estate)".
The loan is provided to citizens of the Russian Federation in the branches of Sberbank of Russia:
- at the place of registration of the borrower and co-borrower;
- at the place of accreditation of the employer of the borrower / co-borrower;
Loan application consideration period
No more than 8 working days.
Loan granting procedure
Lump sum.
Loan repayment procedure
Monthly annuity (equal) payments.
Partial or full early loan repayment
It is carried out on a statement containing the date of early repayment, the amount and the account from which the funds will be transferred. The date of early repayment indicated in the application must fall exclusively on a working day.
The minimum amount of an early repaid loan is unlimited.
There is no prepayment fee.
Penalty for late loan repayment
Penalty * for untimely loan repayment corresponds to the key rate of the Bank of Russia in effect on the date of the Agreement conclusion, from the amount of overdue payment for the period of delay from the date following the date of the fulfillment of the obligation established by the Agreement until the date of repayment of the Overdue debt under the Agreement (inclusive).
* Under loan agreements concluded from July 24, 2016
Use the programs of real estate insurance (within the framework of the mortgage), as well as the life and health of the borrower in IC Sberbank Insurance LLC and IC Sberbank Life Insurance LLC - 100% of subsidiaries of Sberbank PJSC:
- Simple, convenient and fast registration. For example, when renewing an insurance contract, you do not need to send a copy of it to Sberbank yourself, the documents are sent automatically
- Availability of the possibility of resolving the issue online: from signing an insurance contract to settling losses for an insured event
- The terms of the insurance programs comply with the Requirements for the terms and conditions of providing insurance services under Sberbank loan products 1
- Insurance rate / insurance cost when renewing an insurance contract for the second and subsequent years is 10% lower
- When an insured event occurs, you can contact any branch of Sberbank, regardless of where the contract was drawn up
- You can issue a policy in a few minutes on the DomClick website, on the website of insurance companies - IC Sberbank Insurance LLC and IC Sberbank Life Insurance LLC, or at any branch of Sberbank.
Life and health insurance under the "Protected borrower" program 2
What is included in the program?
Insurance is carried out in the event:
- Death of the Insured
- Establishing a disability or group for the Insured
What are you getting?
- Reducing the rate on the Sberbank mortgage to the established level under the “secured loan” condition;
- The insurance rate is determined individually, depending on the gender and age of the client.
site.
Mortgage insurance 3
What is included in the program?
Insurance of pledged property (except for a land plot) against the risks of death, damage.
Additional benefits:
- 1 month of validity of the insurance contract additionally when drawing up in branches of Sberbank
Detailed insurance conditions can be found on the website.
1 Obligatory requirements of the Bank to insurance companies and conditions for the provision of insurance services for property insurance
2 Insurance service is provided by IC Sberbank Life Insurance LLC. License for insurance SZh No. 3692 (type of activity - voluntary life insurance) issued by the Bank of Russia for an unlimited period. OGRN 1037700051146, www.sberbank-insurance.ru Address: Moscow, st. Shabolovka, 31G. Office hours: Monday - Friday from 08.00 to 20.00 Moscow time
3 Real estate insurance (mortgages). The insurance service is provided by IC Sberbank Insurance LLC. License of the Bank of Russia for voluntary property insurance SI No. 4331, issued on 05.08.2015 for an unlimited period. OGRN 1147746683479, www.sberbankins.ru Address: 115093, Moscow, st. Pavlovskaya, house 7, tel. 8 800 555 555 7, Working hours Monday-Friday from 9:00 to 19:00 Moscow time.
Refinancing is a transaction that involves obtaining a target loan to repay an existing loan. Sberbank provides optimal conditions for reissuing loans taken from this organization or within the walls of other credit offices. The article will consider how an application for refinancing a loan is drawn up, its detailed sample and design features.
Refinancing is the only option for the borrower to avoid paying high fees for delinquencies and to reduce the burden on loans. All that is required for this is to obtain a loan with a low interest rate and gain the ability to repay a new loan without enormous financial costs for the family's budget. The debtor is endowed with the undeniable right to keep a positive credit history and avoid problems with obtaining loans in the future.
Sberbank refinances loans from other banks
It is fair to say that refinancing is a good deal for a bank. Indeed, in the lion's share of situations, the lender is ready to agree to a decrease in the percentage in order to reach agreement with the client. This is much more profitable for a financial institution than constantly "hunting" for a client in a hopeless attempt to collect a debt. It is worth using a similar service from Sberbank for certain groups of clients who wish:
- to pay off the promissory note;
- to achieve a decrease in the monthly amount paid on the loan;
- integrate several loan obligations into one.
By applying such services, the client has the right to repay several different loans in one step and achieve rational conditions for them.
Features of refinancing programs
Several positive results can be achieved by using this option:
- get a loan in Russian rubles;
- obtain a change in the interest rate up to 17% per annum, the appointment takes place on an individual basis, with the obligatory consideration of the financial position of the client side);
- get a loan for up to a five-year period;
- the size indicator of the loan obligation is up to 1,000,000 rubles.
Online application within the framework of this organization is not possible. To receive the money, you must go to the department in person and make a request. A sample application will be considered below.
Subtleties of the procedure
If the interest rate at which the loan was originally issued turned out to be too high for you, then you can reduce it by refinancing. By using this service, you can reduce the cost of an expensive loan for you. As a result, payment transactions will be carried out under the new scheme. For Sberbank, it does not matter in which banking organization you took out the loan, the main thing is that you get it back.
In addition, as additional advantages that the re-registration of the mortgage implies, we can single out:
- no commissions for services provided by a financial organization;
- selection of special conditions for certain categories of borrowers;
- personal approach to consideration of the application paper and the attached set of documents;
- lack of serious requirements for insurance of the borrower.
Refinancing reduces payments
What documents will be required to reissue a loan
To apply for refinancing a mortgage loan to this organization, it is necessary to ensure the provision to the mortgage center following documents:
- application form filled in according to a unified model, which will be considered and studied later;
- identity card of the borrower himself;
- data on guarantors and guarantors of the transaction;
- certificate of official employment and confirmation of the fact of receiving a stable income;
- documents regarding collateral.
If the mortgage loan was issued under the "Young Family" program, then additional documents will be required:
- photocopied version of marriage certificate;
- child's birth certificate.
Some types of documentation can be transferred to a banking organization within 120 days from the date when the bank makes a decision to issue a loan.
Refinancing conditions at rates
These indicators will be directly dependent on the period for which the loan is issued. The category of the borrower also plays an important role. Borrowers will be able to achieve savings on interest by re-issuing a loan for up to a year. A mortgage loan, which is taken for a time interval of up to 10 years, can be refinanced at 15.25%. If we are talking about a loan up to 20 years - 15.5%. If the acquisition occurred for a period of up to 30 years, the indicator is 15.75%. All of these indicators are subject to frequent changes. Therefore, if you have drawn up an agreement on the condition of 18%, no one and nothing will prevent you from reissuing it later at 12%.
Another programmatic direction is aimed at individuals who already have existing loans from third-party organizations. In this case, the definition of conditions occurs individually, based on numerous parameters. The minimum allowable interest rate in this situation is 13.25%. The term of provision is up to 30 years. To calculate the features of payments, you can use a special loan calculator.
You must apply in person
Sample application for rate reduction
The form of the statement is quite standard:
- Above it is indicated to whom it was sent (the default addressee is Sberbank PJSC).
- Then the applicant's data is entered (we are talking about the name, passport information, the authority that issued the document, the number of the contractual agreement).
- In the textual part of the application related to a decrease in the interest rate, it is necessary to inform about the request for a decrease in interest and the revision of the conditions for a specific loan agreement.
- Next, you need to indicate the specific method that is most suitable for you to obtain data on the decision made. This can be mail, personal attendance at a financial structure, e-mail address, SMS message.
For the bank to consider the borrower's application for a loan, first of all, the application form itself is needed. You can find it on the page describing the mortgage loan program (almost at the very bottom under the headings "Benefits" and "Interest rates"):
The document is downloaded in PDF format and is 7 pages long. The main points that the borrower must fill out:
- personal data;
- passport data;
- contact Information;
- education;
- marital status;
- registration address;
- information about relatives;
- information about work and employer;
- information about the property;
- information about the requested loan;
- information about the property on bail;
- information about all loans of the borrower that he intends to refinance into one;
- information about co-borrowers.
In the questionnaire Sberbank there is also a list of documents for refinancing a mortgage that must be attached to it:
A bank statement (6 pages) confirming income can also be downloaded from the website Sberbank.
In addition, the borrower must provide a package of documents for the refinanced loan agreement:
- number;
- date of conclusion;
- validity;
- amount and currency;
- interest rate;
- monthly payment;
- bank payment details (required account details for loan repayment).
It is better if the client brings the primary agreement and the payment schedule, where there is all the necessary information for Sberbank. If the details have changed, you need to provide a document confirming this fact.
The list of required documents does not include a certificate of the balance of debt with interest and a certificate of the absence of overdue debt, but Sberbank may require them when considering an application. These papers are valid for a month.
If the bank from which the loan was taken was bought out by another bank, then this information also needs to be confirmed with a certificate.
A package of documents for refinancing a mortgage in Sberbank
Documents for refinancing a mortgage in Sberbank in 2017
The list and information on securities that need to be collected after the approval of the application form is also available for download on the website Sberbank (5 pages). Example (page # 1 without footnotes):
These documents for mortgaged real estate must be presented to the bank within 90 calendar days from the date of approval of the application.