Russians were offered to assess their chances of obtaining a mortgage without an application

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Users of the Domclick service were offered to calculate their mortgage potential for free, so they can assess their chances of obtaining a loan without submitting a mortgage application to the bank. This was announced by Alexey Leipi, Director of Sberbank's Domclick division, at the Domclick Digital Day forum in Kazan.

According to him, the use of this tool will not affect the applicant's credit rating.

The new option will allow the client to find out if they will be approved for a mortgage loan, as well as to receive data on the loan amount and the maximum monthly payment. To prepare the response, an assessment of the client's income and previously received loans from various banks will be carried out.

Previously, those wishing to take out a mortgage could not find out in advance whether they would be able to get a mortgage loan from a bank and how much they could expect. I had to act based on my credit rating, which is indicated in the credit history report, and an assessment of my debt burden.

According to Leypi, the proposed mortgage potential assessment function "significantly facilitates the process of choosing and purchasing real estate, providing users with the opportunity to calculate in advance the maximum possible amount of a mortgage loan." "Thanks to this, customers can adjust their application, which, in turn, significantly increases the likelihood of mortgage approval by the bank," he added.