Tip 1: What is required to obtain a mortgage
Tip 1: What is required to obtain a mortgage
The case of obtaining a loan is one of the most difficult. And even repeated attempts by banks to facilitate this process, alas, have not been crowned with success.
Before the bank lends you a loan, youyou need to provide the necessary documents and certificates, which will say that you have enough money and can repay the loan on time. So despite all possible attempts to facilitate the process of collecting documents and references, you will have to spend a lot of effort and time to compile a mandatory standard list of required documents.
Here is a list of documents that you will need to obtain a mortgage (if you are a borrower):
1. Passport (copies) of all pages.
2. Reference from the place of work 2-NDFL (tax on personal income).
3. A copy of the marriage certificate or the termination.
4. Copy of work book.
5. Driving license, certificate from the narcological and psycho-neurological dispensary.
6. Information from creditors if you have already taken loans from other banks.
7. A document confirming your property (securities, card, deposit accounts in banks).
8. Copy of the employment contract (if any).
Before you take a mortgage, you need to reconcile it with the bank.
In general, all these documents will be sufficient forobtaining a mortgage. After the transfer of all documents, the bank will inform you of the date of the transaction, where you will also need to sign a loan agreement. Before you take a mortgage, consider all the nuances.
Mortgage is one of the ways to solvehousing problems. In order to solve another problem, which is already connected with the decision of the mortgage loan, you should be more careful. Take the payment that you are able to pay on time, and choose the rates within reason.
Tip 2: What documents are needed to obtain a loan
The package of documents required for obtaining a loan varies depending on the bank. Also, the requirements depend on the type of loan received and the amount of lending.
You will need
- - application for a loan;
- - Identification documents;
- - documents confirming income;
- - documents confirming work experience;
- - documents on the subject of pledge;
- - documents on co-borrowers and guarantors;
- - other documents requested by the bank.
Instructions
1
Regardless of the type of loan received fromthe borrower will need documents proving his identity. In this case, banks often indicate the need for his registration in the region receiving a loan. Foreign citizens, as well as without registration, access to credit is extremely limited.
2
In addition to a passport, a bank is oftenanother document to choose from. This may be TIN, SNILS, rights, etc. Men under the age of 27 often require a military ticket. Borrowers-pensioners must provide a pension certificate. For salary customers of the bank, or when obtaining a loan within the framework of individual bank offers, other than a passport, often other documents are not required.
3
There is a rule, according to which, the morethe amount of lending, the more stringent requirements are imposed on documents for credit. To get a large loan without confirming your own income is almost impossible today. And if it is possible, then at an extremely high percentage. The number of documents confirming income includes 2-NDFL or a certificate of the form of the bank. The period for which the certificate is provided is set independently in each bank and, as a rule, varies from 3 months to 2 years. Sometimes an account statement from another bank can be requested.
4
Often banks make their own requirements tominimum work experience at the last place of work. As a rule, it starts from 6 months. To confirm the length of time you may need a certified copy of the work record or a certificate of employment from the last job.
5
Many banks limit the issuance of loans forbusiness owners and entrepreneurs. it is problematic to confirm their own income documentarily. But in some banks, as confirming documents accept income declarations, or management reporting. If the borrower is a director, an extract from the Unified State Register of Legal Entities or a copy of the Charter may also be required, which confirms that he is not the owner of the firm he leads.
6
If a loan implies a deposit, thenDocuments confirming ownership will also be required. This is a mandatory requirement for the registration of housing loans. To obtain a mortgage, you must provide a full package of documents for the property.
7
If you require guarantors to obtain a loan,then for each of them the questionnaire of the guarantor is filled. They must also provide documents that confirm their income. The same requirements apply to guarantors.
8
Specific documents require banks forreceiving loans in the framework of social state programs. For example, in order to obtain a preferential mortgage for young families and budget workers, documents confirming the right to a subsidy are needed. For applicants for an educational loan - an agreement on training a specialist.
