A loan for the purchase of real estate can be taken at any bank. All loans issued are governed by the laws of the Russian Federation, which will be indicated below. Banks' requirements for borrowers are practically the same with slight fluctuations in one direction or another. The main requirement is solvency, which must be documented, as well as a number of other documents, which include a standard list and a package at the request of the bank.
It is necessary
- -passport
- -application-questionnaire
- - certificate of income form 2-NDFL
- -certificate from the place of work about the length of service
- -an initial fee
- -pledge agreement
Instructions
Step 1
Most often, a mortgage loan is issued for the purchase of real estate. It is issued for a period of up to 30-35 years and can be provided to solvent individuals of the Russian Federation for the purchase of real estate on its territory.
Step 2
To obtain a loan, you need to contact the bank. Fill in the proposed application form. In the questionnaire, indicate all the information and provide reliable information on all available columns.
Step 3
The borrower must be between 21 and 65 years old at the time of loan repayment, but not always. For example, Sberbank issues loans to borrowers who may be 75 years old at the time of loan repayment.
Step 4
In addition to the application form, you will need a certificate of income 2-NDFL, a certificate from the place of work about the length of service. Certification of income of all household members may be required to calculate total income.
Step 5
In some cases, the bank has the right to request a certificate from a narcological and psychiatric clinic, as well as a description from the place of work and from the place of residence.
Step 6
The interest rate on the loan will depend on the amount of the down payment. The higher the down payment for real estate, the less interest will be requested for the loan.
Step 7
The decision to issue a loan can be made in 7-10 days, after consideration and verification of all submitted documents.
Step 8
Real estate bought on credit is pledged until the loan is repaid. A pledge agreement is drawn up, which is registered at the Federal Registration Center.
