How to get a loan for an apartment

You will need
  • identity document
  • income statement
  • - certificate of experience
  • - family certificate
  • spouse income statement
  • -Marriage certificate
  • -bank statement
  • -bank request
  • -additional documents
You must have a sum of money to pay the first installment foran apartment. The higher percentage of cash you pay foran apartmentbased on its value, the mortgage loan will be provided at a lower interest rate. Different banks present different requirements for the interest amount of the first installment. Basically - 30% of the cost of housing.
The requirements for the borrower are almost the same. The borrower must be a citizen of the Russian Federation. Have work experience of at least 1 year in 5 years that have passed. At the last enterprise it is necessary to work at least six months. The borrower needs to be between 21 and 65 years old at the time of repayment of the loan.Have a permanent registration and a sufficient amount of permanent income that is not paid in an envelope.
The list of documents for obtaining a mortgage loanan apartmentmay also vary. There are documents that must be submitted to all banks: a completed bank application form; application for a loan of a form established by the bank; certificate of employment and length of service for the past six months; Marriage certificate; certificate of dependents; may request a certificate of income from the workplace spouse or spouse. In some banks for a loan foran apartmentIt is necessary to submit a package of additional documents, sometimes quite large.