How can I get a bank loan for housing
You will need
- - application form;
- - a package of documents for obtaining a mortgage loan;
- - down payment for housing.
If you have a permanent job with a good income, registration on the territory of the Russian Federation, you can confirm your earnings with a certificate, you will be given a mortgage loan without much difficulty. To receive money, contact your chosen bank.
To get the most profitable loan at a minimum interest rate, check out all the offers of banks in the media. Choose the appropriate option, prepare the necessary documents.
To get a mortgage loan, you will need: - a certificate of income form 2-NDFL; - a passport of a citizen of the Russian Federation with permanent registration in the territory of the Russian Federation; - a certificate of employment that will confirm your experience; - application form on a credit institution; marriage or divorce.
Any bank may request additional documents, which include a certificate from a narcologist and a psychiatrist.
A mortgage loan is issued at minimum interest if the client has a sufficient amount to pay the initial payment for the apartment being purchased or has other valuable property that is ready to issue as collateral for the fulfillment of debt obligations.
For registration of a pledge on existing property, you will need to obtain a notarial permission of all owners or the second spouse, if the property was acquired during the period of a registered marriage, to present title documents.
You can apply for a loan for any period, but your age at the time of repayment of debt obligations should not exceed 65 years. Some credit organizations, for example, the Savings Bank of the Russian Federation are ready to issue a mortgage loan to borrowers whose age at the time of repayment of the entire amount will not exceed 75 years.
If the bank approves your application, you will receive a notification. Terms of consideration of documents may be different and are necessary for a complete check by the security service of all the information provided.
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