The birth of a child is a pleasant and exciting event, but do not forget that it is not very cheap either. When a second child is born, the state gives mothers capital to raise a child. Many people think about how to get a loan.
It is necessary
- - passport;
- - SNILS;
- - certificate of maternity capital.
Instructions
Step 1
Prepare all the necessary documents to apply for a mortgage loan: - fill out the lender's questionnaire;
- provide a passport of a citizen of the Russian Federation;
- certificate of pension insurance;
- documents that indicate income and employment;
- documents related to a previously issued loan, if any;
- state certificate for family (maternity) capital;
- a certificate from the pension fund of the Russian Federation showing the balance of maternity capital;
- documents defining the maximum loan amount.
Step 2
After collecting all the above documents, contact a bank employee to check if all the documents are in order and if they are drawn up correctly. Specify the amount of the maximum loan, and how much down payment you will pay. Ask a bank employee to fill out an application, because an inexperienced person will make many mistakes. The bank is obliged to send a notification of its decision to grant a loan. Do not despair if you have not received this notification, because the reasons for this may be different. Therefore, go to the bank and inquire about the arrival of the notification.
Step 3
Having received a positive answer from the bank, start looking for an apartment to buy which you are taking out a loan, if you do not buy an apartment within three months, the bank may require you to renew the contract.
