Mortgages are one of the most popular ways to buy an apartment. For registration in the bank, you must submit a package of documents, including a certificate of income of the unified form 2-NDFL. In reality, not every client of the bank can confirm the level of their income with such a document. Credit structures are well aware of the situation and have developed methods for providing mortgages without a 2-NDFL certificate.
It is necessary
- - guarantors;
- - pledge agreement;
- - certificate in the form of the bank;
- - questionnaire;
- - verbal confirmation of the head;
- - certificate of total family income.
Instructions
Step 1
The inability to confirm the level of income with an official certificate of a unified form can be associated with many reasons. If you work informally or receive most of your salary in an envelope. Businesses continue to try to avoid taxation and, despite harsh penalties, continue to issue “gray” wages to their employees that are not reported anywhere. Accordingly, the head of the enterprise can issue a certificate of a unified form, but the level of income indicated in it will not pull even a small amount of a consumer loan, not that of a mortgage.
Step 2
There is a way out of this situation. Many banks are ready to issue according to the income indicated in the questionnaire. The phone number of the head of the company and verbal confirmation of income can be arranged by the bank. But many managers are not even ready to verbally confirm the size of their employee's salary and do not issue certificates in the form of a credit institution, which, along with a certificate of the unified form 2-NDFL, is accepted by the bank when considering documents.
Step 3
In this case, the bank offers to issue a surety and confirm the income level of the guarantors with a certificate or take into account the total family income, which can include the pension or salary of parents, grandmothers and other close relatives.
Step 4
The apartment, issued in a mortgage, is pledged to the bank. After repayment of the entire amount of the mortgage loan, the pledge agreement is liquidated. This is another way for a credit institution to protect itself from non-repayment of a loan.
Step 5
If the borrower has other valuable property, it can also be accepted as collateral to secure the financial obligations assumed.
Step 6
All the data presented in the questionnaire is carefully checked, after which the bank makes a decision on the issuance of a mortgage loan or refusal.
