You will need
- - application form;
- - package of documents for obtaining a mortgage loan;
- - Initial contribution for housing.
Instruction
If you have a permanent job with good income, registration on the territory of the Russian Federation can confirm the earnings in reference, you will be issued a mortgage loan without much difficulty. For money, contact your chosen bank.
To arrange the most profitable loan under the minimum interest rate, read all the proposals of banks in the media. Pick up the appropriate option, prepare the necessary documents.
For registration of the mortgage loan you will need: - certificate of income of form 2-NDFL; - passport of a citizen of the Russian Federation with a permanent registration in the territory of the Russian Federation; - certificate from the place of work, which will confirm your experience; - application form in the form of a credit organization; - Certificate marriage or divorce.
Any bank can request additional documents to which a certificate from a narcologist and psychiatrist.
The mortgage loan is issued under the minimum percentages if the client has a sufficient amount for the payment of the initial contribution for the apartment acquired or has another valuable property, which is ready to issue as a collateral for the implementation of debt obligations.
To make a collateral for the available property, you will need to get a notarial resolution of all owners or a second spouse if the property was purchased during the registered marriage period, to present the guidelines.
Credit You can arrange for any period, but your age at the time of repayment of debt must 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.
In the case of approval by the bank of your application you will receive a notice. The timing of the consideration of documents may be different and necessary for full verification by the security service of all applications.
Speaking about a loan for an apartment, many imply a mortgage, that is, a target loan, issued to the purchase of real estate - houses or apartments. However, banks offer other options. You can take a loan to the apartment without resorting to the mortgage. However, this is not always profitable.
Instruction
Mortgage loans are issued for a long period - up to 30 years. Interest on them is small enough. The bank has nothing to worry, because the loan is issued on the security of real estate. However, the mortgage is not beneficial and not all available, especially in Moscow, where monthly payments are very significant.
You can take a simple consumer loan. The collateral of the property does not need, but you are unlikely to get a large amount: usually less than a million rubles. Naturally, it can only be suitable if you already have enough savings, and it is millionic and not enough.
Of course, the easiest and safest way to purchase housing is a mortgage. The rates on it are relatively small, the first installment averages from 10 to 20% of the cost of the apartment. Laid period is very large. However, in some cases, you simply will not be able to take a mortgage, even if there is a high salary and funds for the first installment: the bank may "do not like" the apartment you want to purchase. Especially the mortgage is not suitable for those who want to buy real estate abroad.
To make a mortgage loan, you will need to assemble the following documents:
Bank application and questionnaire
Copies of passport, insurance certificate, Inn
Copies of the employment record
Copies of an education diploma
Certificate of marriage and birth of children, if available
Income certificate.
Banks may require other documents. Your application will be considered approximately 3 business days.
In order to take a loan for the purchase of an apartment on the security of already available real estate, the package of necessary documents will be somewhat different:
Statement
Short-ending documents for it
Extract from the housebook
Copy of your passport
Extract from the account.
Most likely, the term of consideration of your application will not exceed one or two days.
If you decide to take a consumer credit, then you will need to submit a statement to the bank, passport, income certificate, workbook and passport or driver's license. A set of documents can change a little depending on the bank.
Video on the topic
Credit helps in those situations when it is necessary to make any purchase, but there is no required amount in your hands. However, most credit programs are designed for those who have a residence permit in the region where the transaction is issued. Therefore, those people who arrived in Moscow and do not have local regulations, arise difficulties with a loan.
You will need
- - list of banks;
- - telephone;
- - Help 2ndfl;
- - positive characteristic from the place of work;
- - Computer with internet access.
Instruction
Find on the Internet or independently make a list of banks that are engaged in consumer lending on the most favorable conditions for you. When selecting, it is necessary to repel from the amount you want to get on credit. Some banks give small amounts without presence in Moscow.
