In the 2000s, mortgages became a fairly common loan product. And not only in Moscow and St. Petersburg, but also in Krasnodar, people got the opportunity to improve their living conditions using credit.
Instructions
Step 1
Choose the bank with the most interesting mortgage program for you. Consider not only large federal financial institutions such as Sberbank, but also local banks, such as the Investment Bank of Kuban and others. A complete list of them can be found on the city sites of Krasnodar, for example, here -
Step 2
When choosing a suitable loan, pay attention not only to the interest rate, but also to various commissions and additional payments, for example, insurance. Also, an important point for evaluating a loan proposal may be the requirements for the borrower. For example, not all banks are ready to lend to people with a "gray" salary. But there are those who agree, instead of a certificate of income in the form of 2NDFL, to accept a document drawn up in a special form of the bank.
Step 3
Collect documents for a loan application. You will need to prove that you are busy. This can be done using a certified copy of the work record book. If you are an individual entrepreneur or a privately practicing lawyer or notary, for you the documents on your registration as an entrepreneur without the formation of a legal entity will be an analogue of a work book. You can confirm income with a certificate on the 2NDFL form, as well as a tax return for the last reporting period.
Step 4
Apply with a package of documents to one or more selected banks. Fill out a loan application. At this point, you should already know how much money you need to buy an apartment and what initial payment you are willing to pay. If you want to increase your chances of getting financing, you can also attract co-borrowers, guarantors or pledge additional real estate.
Step 5
Wait for the results of consideration of your application. If you approve it, you will need to provide the bank with documents for the house and start drawing up the purchase and sale agreement.
