Buying your own home is a dream of almost every family. It's good if you manage to buy real estate with your own funds. However, statistics show that most of the transactions for the purchase and sale of housing in Russia are carried out with the participation of borrowed capital. The procedure for obtaining a mortgage is rather complicated and lengthy, because a lot of money is involved here. First you need to find out what package of documents you need to collect to obtain such a loan.
It is necessary
Buyer-borrower documents; apartment certificates - subject of pledge; papers for participation in shared construction; documents for obtaining a mortgage for the construction of a residential building
Instructions
Step 1
When making a decision on the provision of a mortgage loan, any bank will be guided by the personality and solvency of the client. Therefore, at this stage, collect all possible certificates and documents confirming your identity, employment and income. It is mandatory to submit to any credit institution to complete an application for a mortgage: the borrower's passport and a photocopy of all its pages, as well as the passport of the spouse, if any; marriage certificate and its copy; income statements for the last 6-12 months; confirmation of employment with a copy of a work book or an employment contract. These documents are required when applying for a loan at any bank.
Step 2
Some banks, in addition to the list of mandatory documents, may require additional papers from a potential borrower. It is best to prepare them in advance or not apply at all to the credit institution that may refuse you due to the lack of additional evidence. Such documents include: a medical insurance policy and a pension insurance policy (SNILS), for persons of draft age - a military ID or a military enlistment office certificate; certificate of assignment of a taxpayer identification number (TIN); documents on the ownership of real estate or a car; diploma of education; certificates from other banks about previous loans repaid on time.
Step 3
After a preliminary assessment of the borrower's solvency, the bank will require the submission of documents for the acquired housing: a certificate of the seller's ownership of residential property; title papers on the basis of which such a certificate was issued (sale and purchase agreement, will, donation agreement, etc.); cadastral passport for real estate (it can be obtained from the bureau of technical inventory); an extract from the house book about the absence of registered tenants. In addition, in the case of the sale of housing owned by minors, the bank will require the consent of the guardianship and guardianship authorities to such a transaction. In some cases, credit institutions may request a document on the appraisal of the premises being sold by third-party organizations, but most often such an appraisal is carried out by the bank itself.
Step 4
With participation in shared construction, the package of documents provided will slightly expand. Be ready to provide the following papers to the credit department: copies of the constituent documents of the developer; participation agreement in shared construction; documents confirming the right of the developer to build and sell apartments; technical characteristics of future housing and information on the price of the apartment.
Step 5
If you plan to build housing on your own and take a mortgage for this very purpose, then you will need: a certificate of ownership of the land plot where the house will be built; permission to carry out construction work, duly executed; an agreement with a construction company that will build your home.
