With mortgage citizens can become full owners of the residential units.This is the most common option to buy an apartment in Russia bail acquired or existing ownership.In the case of non-payment (default) credit mortgaged property put up for sale, and the proceeds from the sale are used to repay the principal.Today, virtually all credit institutions issue mortgage on favorable terms, but on what documents are needed for a mortgage, can be found in banks.
In Russia, the mortgage programs are supported at the state level and in special mortgage agencies.To start the borrower is required to be tested for ability to pay with a credit institution.What documents are required for a mortgage?The main documents are the passport and proof of income (PIT 2).It is also allowed to provide their income in the form of the bank.After a pre-selection of a future borrower will require documents confirming labor, family and social situation.
What documents are required for a mortgage at the second stage?
creditor bank will request copies of the following documents: employment record, VAT, insurance certificate, diploma of education, military card, documents of marriage (divorce), child's birth, and references from a permanent job.At a later stage served legal documents on the subject of credit, as the passport BTI with a technical description of the property.This is a standard package, which necessarily requires Sberbank.
Mortgages: what documents are needed further
each credit institution puts forward its own terms and a list of documents.Credit manager thoroughly examines credit history and considers applications on favorable terms for the client.For example, the social mortgage with state subsidies requires a person narrowly focused documents.The exact list can be found in local bodies that deal with these issues.
Military Mortgage: what documents are needed for?
The main difference lies in the fact that the initial payment is made from the savings account of a soldier.The funds transferred to the account of the federal budget.Mortgage payment pays the Ministry of Defence.Buy a house on the program savings and mortgage system (NIS) can each soldier who served at least three years.Initially the party NIS provides military ID, TIN certificate NIS, income statement, work record book (a copy).More detailed information and a list of required documents, you will learn in the bank.
What documents are required for a mortgage
I would like to highlight a standard list of required documents for the registration of the transaction:
-pasport;
-for men - military ID;
-INN;
-Certificate Pension Insurance;
-attestaty diplomas;
-spravki confirming the steady source of income;
-copy labor, which is certified by the employer;
-Documents the birth of children;
Bank may require the following documents for a more detailed inspection:
-spravku of neuropsychiatric clinic;
-pravoustanavlivayuschie documents to the property (car, villa, apartment, house, plot);
-pasporta family members.
Before execute the sale transaction on the mortgage program, weigh the pros and cons, because in Russia the interest rate and not so small, and sometimes have to pay for a lifetime.
