Where can I find a list of accredited developers with whom Sberbank works? Sberbank accredited developers What new buildings does Sberbank lend

What loan amount can I expect?

The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

How to increase the chances of obtaining a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income statement and a copy of the work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan in the event of an insured event (disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

For example, to increase the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum amount of the initial contribution, we recommend that you focus on the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

Also, maternity capital funds can be used for early repayment of an existing loan.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration Istration (is an additional service and is paid separately);

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

No one lived in a new building before you, the price per square meter is less than that of an apartment of the same class in a secondary building, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents will not move in, most likely, they will have to wait for the development of infrastructure and the completion of repairs at the neighbors.

As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.

What is the processing time for a loan application?

Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

How is the process of obtaining a mortgage at Sberbank through DomClick?

Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach the necessary documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

What loan amount can I expect?

The Bank always approves the maximum amount that can be disbursed to the borrower and co-borrowers indicated in the questionnaire. However, the loan amount cannot exceed 85% of the value of the property you have chosen.

I was denied a loan. Why? What to do?

The bank does not explain the reasons for the refusal, as this would lead to the disclosure of the borrower evaluation system, which is a trade secret. There are potentially about twenty parameters of the borrower and co-borrowers that this system can rely on.

If the bank has refused you, you can apply for a loan again after the period specified in the accompanying text of the refusal. In some cases, you can reapply right away.

How to increase the chances of obtaining a mortgage with a small official salary?

For example, you can apply for a loan with a certificate in the form of a bank instead of a 2-NDFL certificate. An income statement in the form of a bank is an alternative document that is accepted by the bank as proof of the borrower's income, but in which additional earnings can be taken into account.

I am an aged person, will they give me a mortgage?

You can take out a mortgage for up to the age of 75. For example, if you are 65 years old, you can take out a mortgage for 10 years.

If I receive a salary on a Sberbank card?

Payroll customers of Sberbank, depending on other lending conditions, may receive additional benefits. At the same time, the benefits are available if any of the co-borrowers is a payroll client.

· If in the last two months you have had at least one salary transfer to a Sberbank card or account, you can get a discount on the rate.

· If you had salary credits to the card (account) of Sberbank for at least 4 months out of the last 6 months, you do not need to additionally upload an income statement and a copy of the work book.

How can I find out the overpayment on my future loan?

You can see the amount of the overpayment by registering in your personal account. After registration, click on the calculation panel and you will see the overpayment diagram in the calculator.

Is it profitable to buy a borrower's life and health insurance policy?

Life and health insurance in the insurance company LLC IC Sberbank Life Insurance or other companies accredited by Sberbank allows you to reduce the loan rate by 1%.

Considering the purchase of the policy, you will actually save about 0.5 percentage points on the rate. In addition to saving on the rate, the policy fulfills its immediate task - the insurance company will pay the bank the balance of the debt on your mortgage loan in the event of an insured event (disability or death).

I am a citizen of another country, can I get a mortgage?

Mortgages in Sberbank are issued only to citizens of Russia.

Who can be a co-borrower?

Most often, co-borrowers are relatives of the main borrower - spouse, parents, children, brothers and sisters. In total, you can attract up to 6 co-borrowers. If you are married, your spouse must be a mandatory co-borrower. Exceptions are possible if a marriage contract has been concluded between the spouses.

For example, to increase the chances of receiving a larger amount upon approval, you can attract co-borrowers - participants in salary projects. Also, when applying for a loan, you can note that you do not want to take into account the solvency of the co-borrower. This will reduce the list of required documents, but may reduce the maximum approved amount.

How to use maternity capital in favor of a mortgage?

You can use maternity capital funds in whole or in part as a down payment when obtaining a mortgage. You can use only maternity capital or the sum of maternity capital and own funds. For the minimum amount of the initial contribution, we recommend that you focus on the DomClick calculator.

When using maternity capital funds, it is important to agree with the seller on the procedure and deadline for receiving maternity capital funds, since this amount is not transferred from the Pension Fund immediately.

Also, maternity capital funds can be used for early repayment of an existing loan.

What are the additional costs associated with obtaining a mortgage?

Depending on the type of property and the selected set of services, when applying for a loan, you will need to pay:

· Evaluation report – from 2,000₽ depending on the region and appraisal company (required for valuation of the collateral object);

· Insurance of the collateral object (for the purchased apartment) - directly depends on the size of the loan;

· Life and health insurance of the borrower (not mandatory, but reduces the loan rate) - directly depends on the size of the loan;

· State duty for registering a transaction in Rosreestr - 2,000₽ at independent registration or 1 400 ₽ for electronic registration Istration (is an additional service and is paid separately);

· Renting a bank cell and paying for access to it (when buying a second home for cash) or paying for a secure payment service - from 2,000₽ .

The cost of services is approximate. Check the exact cost on the websites of the respective services.

Which is better: new building or resale?

As a rule, an apartment or apartments in a new building are bought directly from the developer, while a resale property is bought from the previous owner.

No one lived in a new building before you, the price per square meter is less than that of an apartment of the same class in a secondary building, there are promotions from developers, more modern layouts, however, you will not be able to quickly register at the place of residence, the elevator and gas will not be turned on until the majority of residents will not move in, most likely, they will have to wait for the development of infrastructure and the completion of repairs at the neighbors.

As a rule, you can enter the secondary housing and register immediately after the purchase, the infrastructure around is already developed, however, most likely you will have to be content with a typical layout, worn-out communications, and you will need to check the legal purity of the property and the participants in the transaction.

What is the processing time for a loan application?

Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

How is the process of obtaining a mortgage at Sberbank through DomClick?

Depending on the type of property and other parameters, the process of obtaining a mortgage may differ.

However, the first step is the same for everyone - applying for a loan. To apply, calculate the loan on the DomClick calculator, register on the site, fill out the form and attach the necessary documents. Consideration of the application does not exceed two days, but most clients receive approval on the day of application.

If you have not yet chosen a property, you can start doing it immediately after receiving approval from the bank, when you know the maximum loan amount for you.

When the property is selected, upload the necessary documents in the DomClick office.

Within 3-5 days you will be informed about the approval of the property you have chosen. You can choose a convenient date for the transaction, which is carried out at the Sberbank Mortgage Lending Center.

The last stage is the registration of the transaction in Rosreestr. Congratulations, you're all set!

Why register on DomClick?

After registration, you will have access to the help of a consultant in the chat and the borrower's questionnaire. Registration allows you to save your data so that you can return to filling out the application at any time. After receiving approval for a loan in the personal account of the borrower, you will be able to communicate with your manager, send documents to the bank online and receive the services necessary to obtain a mortgage.

How do I find out the decision of the bank?

Immediately after consideration of your application, you will receive an SMS with the decision of the bank. A bank employee will also call you.

Have you made a decision to buy an apartment, but are confused? Housing is necessary, but how to choose "the one"? This is a responsible step, because the purchase of an apartment is often accompanied by a mortgage, which will have to be paid for several decades.

It is also important that real estate purchased with a mortgage is quite difficult to exchange or sell. Therefore, you will have to put up with an ill-conceived layout or noisy neighbors.

But there is a way out of this situation - use the list of new buildings accredited by Sberbank.

What are the advantages of accredited new buildings for the buyer?

Important! If a residential building was put into operation, it is no longer considered a new building. Despite the fact that the apartments are still empty, the construction is at the final stage, this is already secondary housing.

Consequently, when applying for a mortgage, other conditions and interest rates will apply.

A new building is a house that has not yet been recognized as habitable by the relevant state authorities. It can be a foundation pit, a concrete box or a house at the stage of finishing work.

Will it be completed? Will they be allowed to live there? How to make the right decision, because the monthly payments are large, and there will be no second chance? Sberbank knows the answers.

Important! Sberbank's accredited developers are reliable construction companies that have been on the market for many years, which deliver construction projects on time and eliminate the inevitable shortcomings of residential premises quickly and without litigation.

It is much easier for the largest bank in our country to check the reputation of a developer than for an average person. Therefore, the base of accredited new buildings of Sberbank allows you to minimize the risks when buying a home.

Why are accredited new buildings beneficial for the bank?

Is it possible for a commercial financial institution to check the reliability of construction organizations without profit? Why would he? It's about mortgages. After all, it is a loan secured by housing. If there is no housing, then there is no collateral.

Consequently, the bank has no guarantees that the issued credit funds will be returned to it. Interest rates of any size will not be able to protect the credit institution from losses if the borrower loses a highly paid job, and he does not have collateral.

Therefore, it is extremely important for the bank that the property be delivered on time or ahead of schedule, and also that the residential building be in good condition for the entire period for which the mortgage is issued. Therefore, the interests of the bank and the borrower coincide.

Important! The list of accredited new buildings prepared by Sberbank is not a way to limit the rights of the buyer, but a way to reduce the borrower's expenses for renting other housing due to the shortcomings of the apartment issued on credit.

Features of acquiring housing in an accredited new building

They are positive and are reflected in the following:

Reduced interest rate, which in about 1 year allows you to save up for 1 monthly payment;

Prompt approval of the loan - the developer has already been checked, it remains only to check the borrower;

New buildings accredited by Sberbank are the confidence that housing will begin to please in a short time, and the joy will last for many years.

The bank, in contrast to cases of buying non-accredited real estate, does not put forward additional requirements. Thus, the borrower's concern is to provide housing with warmth and comfort, and Sberbank's concern is to help purchase this housing.

To date, a mortgage loan issued in one of the Russian banks is considered the most affordable of the existing options for improving existing housing conditions. The Russian mortgage lending market is actively developing and becoming more civilized every year. For example, at the level of federal legislation, measures are being developed that contribute to the reliable protection of borrowers and financial institutions. In recent years, many consumers have been able to appreciate the merits of mortgage lending issued by the largest bank in the Russian Federation, Sberbank, whose accredited new buildings are the most profitable option for each borrower. However, not all potential borrowers know what this term means. This is what will be the topic of our today's article.

A mortgage loan can be issued for an already constructed object and for a dwelling in a building that is under construction. In the second case, a more complicated procedure is assumed when registering a pledge, which is the property being acquired. Because the the lender must approve the issuance of a loan in respect of a residential facility under construction where the borrower is expected to purchase an apartment.

Accreditation of developers is a comprehensive audit of a construction company

Accreditation of developers by a bank is a comprehensive audit of a developer company, in particular, verification of the legality of the activities carried out and analysis of the prospects for the construction of a certain residential building. In the process of accreditation, it turns out to weed out insufficiently reliable developer companies and significantly reduce all kinds of losses for the borrower, the bank and the construction organization.

Accreditation regulation

The accreditation process usually includes two main steps.

Audit of the financial reliability of the developer company

At this stage, the reputation of the construction organization and its "business dossier", the number and quality of rebuilt and commissioned residential facilities are being tested. In addition, reviews of consumers who have bought real estate and the experience of partnerships between this developer and other credit institutions are carefully analyzed.

In the process of accreditation, the bank checks the reputation of the construction organization and its “business file”

The financial stability and reliability of the developer company is checked on the basis of checking up-to-date information from various sources that are in the public domain. Suppose data on the persons managing the company and the authorities exercising control over its activities, the presence of tax arrears, participation in litigation, the state of the financial statements and balance sheet, the risks of closure and bankruptcy, the presence of court rulings and open proceedings initiated by the FSSP, as well as other points.

Thus, financial statements must confirm economic stability for a period of at least 2 years. The advantage for the construction company is more than two timely rebuilt and commissioned residential buildings.

Audit of the construction process and objects

Accreditation of residential real estate under construction is carried out based on the results of general legal examinations, which are carried out in relation to the constituent documentation and relevant permits held by the developer company.

Accreditation of residential real estate is carried out based on the results of general legal examinations of constituent and permitting documentation

It must be clear, does the developer have:

• a certificate confirming the rights of ownership and disposal of the land plot where construction is carried out (ownership or long-term lease);
• permits for construction work on a specific facility;
• the correctness of the preparation of working documentation (project, estimate, etc.).

In addition, the financial institution visits to construction sites are organized, the stages and quality of the construction process are assessed. This is a mandatory part of the accreditation process as it is at this point that the construction companies confirm the “viability” of the project.

It should be noted that each credit institution may put forward its own conditions. For example, some credit and financial organizations check the connection of the facility under construction to communication networks. Some banks (usually, these are not very large organizations) may require the indispensable accreditation of a construction organization by one (or several) of the major credit institutions in Russia.

The Bank organizes visits to construction sites, where an assessment of the stages and quality of construction is carried out

Benefits of accreditation

We said earlier that in accreditation there are clear benefits for all parties to the mortgage agreement.

Benefit for the borrower (buyer of real estate)

By purchasing real estate objects accredited by Sberbank or another large financial institution, the borrower receives certain guarantees against existing risks. In addition, knowing which developers Sberbank works with, the bank's client will not need to independently check the reliability of the developer.

When buying a home from an accredited developer under a mortgage agreement, more favorable conditions are provided

It is also important that, in addition to guarantees, a potential owner can count on more attractive loan terms:

• when buying real estate from an accredited developer, a loan can be obtained without additional collateral (guarantors, collateral);
• in this case, the time for making a decision by the creditor is significantly reduced;
• the interest rate on mortgages for accredited construction projects of Sberbank is much lower compared to other mortgage products;
• the minimum loan amount is 300 thousand rubles;
• mortgage loan repayment term up to 30 years;
• it is possible to raise funds from the "maternity capital".

Benefit for the lender

In addition to making a profit from financial activities - receiving interest on a loan, the bank, having carried out the appropriate checks of the developer, receives the necessary guarantees that the facility will be put into operation exactly on time and sometimes even earlier.

At the same time, by offering the most favorable terms under a loan agreement (mortgage) for the purchase of an apartment from accredited developers, the financial institution is expanding its client base. And this is reflected in his reputation and rating.

Accreditation of a residential facility has a number of important advantages for the bank and the developer

Benefits for construction companies

For construction companies, accreditation allows you to increase sales - a huge number of consumers considering the possibility of obtaining a mortgage loan, give preference to companies that are included in the list of accredited developers Sberbank.

Accreditation, to some extent, allows you to solve personnel issues - the organization does not need to have mortgage specialists on staff who are busy attracting buyers, selling homes and processing mortgage agreements.

But it should be noted that accreditation does not give an absolute guarantee of the reliability of a construction organization. Suppose, when a financial institution is associated with a construction organization with financial obligations (is an investor), then it can look rather condescendingly on shortcomings in the work of the developer, which naturally leads to an increase in risks for the borrower.

Conclusion

In conclusion, it should be said that an accredited construction company is a reliable developer, which has been working in the field of housing construction for a long time, has gained an excellent reputation and has more than one residential facility put into operation. The developer will hand over the objects exactly on time and eliminate the detected shortcomings of the residential premises. This happens quite quickly and without litigation in court.

The borrower should personally verify that the developer is included in the list of accredited developers of the bank

In addition, a financial institution is much easier to audit the reputation of a particular developer than a consumer who purchases an apartment for the first time. That is why the register of accredited developers and the objects they build allows you to minimize the risks when drawing up a mortgage agreement.

But the buyer of residential real estate in a house under construction needs to understand that the statements of employees of a construction organization that relate to the accreditation of a certain object by several large banks should not be accepted as an established fact - it is advisable to personally verify this. This can be done by contacting a credit institution.

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Over the past few years, accredited developers of Sberbank in Moscow have been gaining more and more confidence from ordinary equity holders. It is believed that it is safe to work with such construction companies, and the probability of bankruptcy or late delivery of the object is minimal. Is it really? What is the essence of accreditation, and how can developers get it? Why is this necessary, and what risks await property buyers in 2017? Let's consider these points in more detail.

Bank accreditation is a comprehensive check of a construction company for the fact of the legality of its activities, as well as the prospects for the timely delivery of facilities under construction. In fact, this is a kind of “face control”, which excludes the appearance of unreliable developers on the market. It is known that the purchase of real estate by attracting a mortgage loan carries great risks for the buyer. The task of bank accreditation is to minimize these risks and ensure the security of the transaction.

The essence of the accreditation of the developer in the bank

The essence of accreditation can be expressed in a simple scheme. The contractor passes the necessary checks and receives accreditation, after which banks issue mortgage loans to its customers for the purchase of real estate without any problems. It turns out that accreditation acts as an indicator of the reliability of a construction company, which has been thoroughly studied and approved by a banking institution.

Many construction companies choose Sberbank, but this is not necessary. The developer has the right to be checked in the financial institution that offers the best credit conditions and more loyal terms of verification. At the same time, each bank has its own rules regarding the accreditation of a particular construction company - they are set individually.

In the process of activity, the developer must comply with the norms and requirements of Federal Law No. 214 regarding the shared construction of multi-apartment facilities, have sufficient work experience and a good reputation. Previously made objects must be handed over in a timely manner.

In 2017, the following Moscow developers were accredited by Sberbank:

• Monolith Capital Stroy (Residence Zamoskvorechye Residential Complex).
• TB-Invest (LC "Calypso-1").
• DSK-1 (LCD "Grad Moskovsky").
• LSR (LC "Sacramento").
• New Carmel (RC "Akademika").
• VR Group (LC "Savvinskiye Prudy").
• BESTCON (RC "Skolov Bor").
• Leader Invest (House on Samarskaya).
• Promstroyinvest M (House on Melnikova street).
• InvestRegionStroy (LCD "Moe Pushkino") and others.

How does a developer get accreditation?

The accreditation procedure takes place in two stages:

1. The construction company is checked for financial stability and reliability. At this stage, the reputation of the applicant, the history of its activities, and the facilities already built and put into operation are studied. Reviews of buyers who have collaborated with the developer in the past are taken into account.

Financial sustainability is tested after collecting and analyzing information obtained from various sources. The following data is analyzed here:

• About leaders and controlling subjects.
• About the presence of debts to the Federal Tax Service.
• On the facts of participation of the developer in court proceedings.
• On the risk of bankruptcy or liquidation of the organization.
• On the status of financial statements and balance sheet.
• On the court decisions made against the developer.

After analyzing the financial statements, conclusions are drawn about the stability of the construction company. At the same time, the organization itself, in order to obtain accreditation at Sberbank or another financial institution, must not have malfunctions during the last two years. One of the conditions for successful completion of the audit is the presence of a "portfolio", which will reflect at least 2 facilities transferred to operation.

1. Real estate audit. At this stage, the object itself, which the company is building, is checked. Accreditation is carried out based on the results of a number of checks - permits, constituent papers, as well as legal expertise. Special attention is paid to the following documents:

• Permission to erect a residential building.
• Ownership of the land plot where construction is underway (this may be a lease agreement).
• The presence of the project and its correct design.
• The founding papers of the company.
• Certificate of state registration.
• Extract from the Unified State Register of Legal Entities and other documents.

By decision of the bank, additional requirements for accreditation may be imposed on the audited party. So, some financial institutions check the correct connection of the structure to engineering networks. Some "smaller" banks require accreditation from large financial institutions.

To avoid difficulties with accreditation, construction companies often turn to intermediaries who help in preparing the necessary papers and successfully passing the test.

Why is she needed?

Accreditation of developers is a measure that is useful for banks and construction companies directly. Financial institutions that are engaged in verification promote mortgage lending among customers on favorable terms and at an affordable price. In turn, developers quickly sell real estate in a facility under construction.

Accreditation is also beneficial for real estate buyers (shareholders). It is known that the cost of an apartment in an object that is under construction is lower. At the same time, credit organizations rarely issue mortgages for such housing. Another thing is if the construction company is thoroughly checked and accredited. In such a situation, a bank client can expect to receive a mortgage on more favorable terms - with a lower interest rate or a lower down payment. Much depends on the scheme by which housing is sold.

So, if the building is at the initial stage of construction and only 1-2 floors have been built, the credit institution has the right to demand additional security (except for the object of the transaction). The most favorable mortgage conditions can be obtained if construction is carried out with the involvement of credit funds from this financial institution.

It turns out that the accreditation of the developer in Sberbank or other financial institution is beneficial to three parties to the transaction - the buyer of real estate (shareholders), financial institutions (banks) and construction companies.

It is worth noting that the credit structure does not have the right to impose on the client under a mortgage loan agreement any specific developer that has passed accreditation. If a person plans to purchase real estate from another construction company, the bank has no right to prevent this. The only thing is that the mortgage will be issued on general terms, without providing additional benefits.

Does accreditation give full confidence in the reliability of the developer?

Against this background, the question arises whether a real estate buyer can be 100% sure of a construction company if it has been accredited by a large bank. To answer the question, it is necessary to remember that an audit is a complex set of measures aimed at a detailed audit of a company's performance over the past months or even years. A full review takes one to three months.

The analysis takes into account all the financial aspects of the organization, data from open sources and websites, takes into account ratings and other aspects. The main requirement for obtaining accreditation at Sberbank is to conduct activities in strict accordance with Federal Law No. 214. Approval indicates that the bank is confident in the reliability of investments. For the buyer, this is the main criterion when choosing a developer.

If a construction company is accredited by several banking organizations at once, the chance of being deceived in case of cooperation is lower. The more financial institutions have checked the developer, the more reliable it is, and the higher the influx of customers. In addition, mortgage processing is fast at the bank that accredited real estate.

Despite the above, the accreditation of the developer is not a 100% guarantee of reliability. If a credit institution acts as a co-investor, in the process of verification, it turns a blind eye to many shortcomings. As a result, the risks of the shareholder increase.

But the lack of accreditation is not always a minus. This does not mean that the developer cannot be dealt with. It is quite possible that it has just entered the market and has not yet had time to go through the necessary procedures due to a number of technical difficulties at the initial stage.

If a company has been operating for a long time, but does not have bank accreditation, this should arouse suspicion. With a high probability, financial institutions do not trust such a developer due to a number of problems or a bad history in the past. It is better not to cooperate with such an organization because of the risks of being at a “broken trough” due to an untimely completed object.

Risks

Despite the risks that occur when investing in facilities at the construction stage, banks are actively investing in this area. At the same time, the founders of developers are subjected to a comprehensive check and present a complete package of information - a certificate confirming the right to land, permission to build an object, project documentation and other papers.

Investment risks are minimal due to a deep due diligence of the legal entity's creditworthiness. The check is carried out by special services that study in detail the activities of the developer, and if the forecast is positive, they themselves offer cooperation. The greatest demand is for promising projects that are likely to pay off and bring profit. But in order to receive financial support, the company must establish itself in the market.

The result of the successful activity of the contractor is the timely transfer of the object to the use of customers. At the same time, tenants enter the apartments and receive certificates of ownership.

The main risk lies in the possible freezing of the construction of the facility and the impossibility of putting it into operation. In this case, the invested funds are not returned and remain in limbo. Selling real estate in an unfinished house is much more difficult. It is also not always possible to find investors willing to finish the job. Such a structure can “hang” for a long time, and subsequently damage appears on it that needs to be eliminated.

Results

The advantages of accrediting developers with Sberbank are undeniable. Apartments at the initial stage of the construction of the object have a lower price, and the percentage of the loan when applying for this financial institution will be lower. In addition, banks are partners of construction companies and claim a percentage of profits. Therefore, they are interested in the timely delivery of the object.