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Banks offer different mortgage programs. Consumers who need new housing, can choose the right program and buy real estate in the secondary market. Keep in mind that banks are making stringent demands not only on borrowers, but also on real estate. There are many banks, and you must choose the one that offers the most favorable and suitable conditions. You must provide a package of documents, after examining which, the bank will be convinced of your solvency. The ability of a borrower to repay a loan is the most important aspect when deciding whether to issue a mortgage loan. After selecting a bank, write an application for a mortgage. Once your application has been approved, safely start collecting the necessary documents and look for a new apartment. Having chosen a suitable housing, let the bank know about it, who will evaluate it and insure housing. Then follows the procedure when money is transferred according to the established scheme. Usually it looks like this: you pay the first installment, after which the bank purchases the apartment. You enter a new housing and begin to pay the bank monthly a certain amount and the interest due. It is best to buy real estate in brick houses with reinforced concrete floors. Before entering into a contract, you must assess your financial capabilities impartially and understand if you can pay a mortgage loan.

What documents are needed

For registration of a mortgage, the followingdocuments: passport of the Russian Federation (copy of all pages), information on income in the form of 2-NDFL (copy and original), application form, work record book (two certified copies). Contractors must provide a certificate of service and a contract (each document - two certified copies), a pension certificate, permission to process personal data. Men of military age need to provide a military ticket (with a copy of all pages). It is best to clarify the list of documents from a bank employee, or on the organization's website. This will save time. If you are a private entrepreneur, the package of documents will require the addition of several types of securities. In addition to the documents listed above, we need documents for an apartment that is bought at the expense of a loan. You will need to collect: copies of the passport of sellers, documents for possession of housing, a certificate of persons registered in the apartment; a copy of the apartment's technical passport, the original of the appraisal certificate of housing (issued by the appraiser), as well as the certificate of the appraiser. There is also a need for a document on the absence of encumbrances from the Federal Registration Service. In addition, sometimes a bank may require the presence of guarantors as an additional guarantee of your solvency.