Evaluation of real estate for mortgages in Sberbank: everything you need to know
Estimation of real estate is a point thatIt is obligatory for implementation when purchasing an apartment / house on credit. And since the number of mortgage lending cases is increasing every day, it means that the demand for valuation companies is growing inexorably. And to comply with such a requirement legally binding state. Thus, it wants to protect the interests of financial institutions as much as possible.
Naturally, not an exception in presentationA similar requirement for its borrowers is Sberbank. About what will be required to perform valuation work and which companies can be contacted for obtaining such a service, we will go further.
Estimation of real estate for a mortgage in Sberbank: the need
Many borrowers, making out a mortgage,wonder why the bank puts forward such a demand. The main reason for this is the desire to protect yourself as much as possible if the client is unable to pay credit payments. For example, citizen A decided to buy an apartment on credit, chose the option, he applied to the bank. The lender agreed to mortgage lending for this facility, gave the money to the seller. After some time due to the circumstances, the borrower can not close the loan debt. As a result, the bank is required to realize a mortgage housing, and to pay off the payments for the "grief-client" on the proceeds.
And what should a creditor do if he finds thatIt can sell an apartment only at a price that is much lower than the amount of borrowed funds issued? In this case, the financial institution remains in the red. If such situations are not one or two, but several hundred, then the bankruptcy of the organization is not far off. Apparently, the evaluation of real estate for a mortgage in Sberbank or any other lending institution is just a way to protect the lender from financial risks.
Carrying out such work is a simple matter forborrower. All that will be necessary for him initially to do is to prepare the required documents, a certain amount to pay for the services of the valuation company and directly contact the organization itself. Then everything goes according to this order:
- Signing of the contract for obtaining valuation services. This document should contain full information on the timing and cost of works, details of the parties, the purpose of the event, the address of the property being valued and other important points.
- Making an advance payment.
- Waiting for the completion of evaluation work.
- Getting the finished report.
- His surrender to the lender.
As mentioned above, the valuation of real estate formortgage in Sberbank ends with the client receiving a report on the work done. This document will contain photographs of the apartment / house and the surrounding area, information about the state of the home and the age of construction, the availability of nearby socially significant facilities (hospitals, kindergartens, schools, shops, pharmacies, public transport stops, etc.) .
As a rule, all appraisal companies request from their customers the same package of documents. It is as follows:
- passport of a citizen of the Russian Federation;
- documents confirming the ownership of real estate;
- passport of the dwelling itself: cadastral and technical.
The list is not so big, so the problems with itscollection should not arise. But you should not forget to make photocopies of all listed papers. It should be noted that in some cases, the valuation company may request the provision of another list of documents. But this only occurs in exceptional cases.
In order not to make a mistake in choosing a company thatprovides a service such as real estate valuation for Sberbank's mortgage, you should pay attention only to those appraisers who are accredited to them. So, which companies are allowed to apply to Sberbank?
Estimation of immovable property: list of organizations
The bank allows to make an appraisal of real estate onlyin a certain list of companies. This is done to minimize fraudulent acts and rescue from various kinds of risks. So, Sberbank allows us to use valuation services in the following organizations. Keep in mind that for each region its list, below are the most popular institutions in Moscow, which are performing real estate valuation for a mortgage in Sberbank. Reviews on them are in most cases positive.
- LLC "City Appraisal Company";
- LLC "KO-INVEST";
- OOO FBK;
- LLC "EsArGy - Mortgage Center";
- OOO Spetsotsenka and others.