Families with three or more children, as often as others, face the need to take out a loan. This can be either financing the purchase of household appliances or a mortgage. But banks are often wary of giving money to such families, since the compulsory expenses of such families are much higher than those of people with one child due to the large number of dependents. But, nevertheless, there is a solution, you just need to know where it is better to apply for a loan.
It is necessary
- - passport;
- - certificate on the composition of the family from the social protection authorities;
- - a copy of the work book;
- - income statement.
Instructions
Step 1
Find the loan program you are interested in. This can be either a general offer or a special loan for parents with many children. For example, your municipality may provide special preferential mortgage programs. Depending on the city, it can be either an interest-free housing loan or a down payment compensation.
For more information, contact the Comprehensive Center for Social Protection of the Population. You can find out its address on the website of your mayor's office.
Step 2
Collect a package of documents for the loan you are interested in. In addition to a passport, you will need a copy of the work book, certified by the employer, and a certificate of salary in the form of 2NDFL. Also, the bank may ask you to provide additional documents confirming your solvency. This can be a certificate of ownership of housing, documents for a car, a passport with foreign travel for the last year, an agreement for the lease of real estate if you rent out an apartment. If you are applying for a special program for large families, you will also receive a certificate of family composition.
The documents issued by the employer must be drawn up no earlier than one month from the date of their submission to the bank.
Step 3
Contact the bank you are interested in. Some banks, for example, OTP Bank, provide special conditions for large families in addition to government subsidies. For example, for large families, a one-time loan payment is canceled, which can be 1-2% of the amount.
Take with you all the documents prepared in advance. If both spouses want to take a loan as co-borrowers, for example, in the case when the income of one of them is not enough, both must appear for the application with passports and documents confirming employment and income.
Step 4
After completing the application, wait for the bank's response. Even if the answer was no, please note that you can apply to another financial institution.
