Obtaining a mortgage loan will depend on two points. The first of them is the solvency of the borrower. This means that the future client must earn normally in order to be able to make payments on credit obligations. In addition, he must show that in the future the client will have the opportunity to earn so much to make payments.
The second important point is the characteristic of an object that is planned to be taken by mortgage. In this case, each bank or relevant organization provides its own set of criteria.
Now we will consider what documents are needed for mortgages. First of all, you should decide who will take a loan: a mercenary or a private entrepreneur. For an employee you will need:
A copy of all pages of the passport, since the bank should be sure that there are no unnecessary litters there, which makes it invalid
2-NDFL certificate from the place of work
An additional certificate in the form determined by the bank itself is designed to account for funds that are not included in 2-NDFL
A copy of the work book, which should be certified by the employer
For young people of draft age, it is necessary to have a copy of a military card or an attributed with documents that indicate the reason for the delay from the service
A copy of the marriage certificate (only for couples)
In the presence of a credit history, certificates from the banks with which the client collaborated are needed
In the presence of minor children, a birth certificate is necessary
A copy of the driver’s license or the originals of certificates from a neuropsychiatric and narcological dispensary
Some banks may require copies of a diploma, a foreign passport, as well as information about the client’s assets
Loan application
Sometimes difficulties arise for obtaining appropriate certificates from dispensaries. Medical institutions argue this by the fact that the bank is not an organization that should be issued inquiries. In this case, it is better to refer to the desire to get a driver’s license.
As for business representatives, the set of documents will depend on many factors. For example, the organizational form of the enterprise itself will affect it, what is the tax system used. By the way, banks put more stringent conditions and other conditions for obtaining a loan by this group of population.
