The mortgage is accompanied by an impressive package of documents. But on the other hand, you can buy housing on credit with a lower overpayment than on classic consumer loans.
Necessary
- - identity documents;
- - documents confirming work experience;
- - documents confirming income;
- - documents for the credited real estate object;
- - other documents requested by the bank.
Instructions
Step 1
The documents that are required to obtain a mortgage can be divided into two groups: personal documents of the borrower, as well as documents related to the acquired property. The first group includes a passport with a mark of registration in the region of obtaining a loan, a pension certificate, a military ID (for male borrowers under 27 years of age), and a pension certificate (for pensioners). Also, for family borrowers, a marriage registration certificate will be required, as well as the consent of the spouse to purchase an apartment. Some banks ask for educational documents. In this case, you will need to provide a copy of the diploma. You will also need to fill out an application form for the provision of a mortgage and consent to the processing of personal data.
Step 2
Take a certificate from the accounting department, which confirms the amount of your income in the form of 2-NDFL. In the human resources department, ask for a copy of the work record book, as well as the order for hiring. By law, one copy of the employment contract must be in your hands. It is also often requested by banks.
Step 3
The borrower at the preliminary stage may limit himself to providing these documents and receive a response from the bank about the approved loan amount. Then he is given three months to select suitable housing.
Step 4
It is worth considering that banks in most cases do not approve loans for the full cost of housing, but only 80-100% of its appraised value. The latter may differ from the market price and from the amount requested by the seller. Therefore, an opinion of an independent appraiser on the cost of housing will be required. If the appraiser was not selected from among those recommended by the bank, then you must also provide a copy of his certificate.
Step 5
The borrower will also be required to have a down payment. To confirm the sufficiency of your own funds for its deposit, take an account statement from the bank.
Step 6
The bank will need to provide a package of documents related to the purchased apartment. For secondary housing, these include sellers' passports and documents confirming ownership of real estate; certificate of registered persons in the apartment; an extract from the House Book; preliminary sales contract; housing passport; a document confirming the absence of encumbrances on the purchased apartment; certificate of absence of debts for housing and communal services. These documents must be obtained from the seller or requested with him at the BTI.
Step 7
When buying a housing under construction, you must have a contract of equity participation in construction signed with the developer; preliminary sales contract; contract of assignment of rights. Also, the bank may request additional documents for the developer company. But in most cases, new buildings have a list of accredited banks. This reduces the range of requested documents, since the bank has already previously checked the developer.
