Understanding what documents for a mortgage will be required, it is necessary to prepare both certificates confirming the borrower's solvency and paperwork for a house or apartment, which will be issued for a mortgage.
Application / questionnaire or otherwise application for a mortgage loan. Example application:
Your passport is your main identity document, citizenship, registration, etc .:
Taxpayer identification number or TIN.
If you do not have a document on hand, you can get it upon request from the tax office of your city / region:
Military ID- for men. This document influences the bank's decision on a loan along with a passport.
A borrower of draft age without a military ID on hand for a bank is a client from a "risk group":
Certificate of income (form 2-NDFL).
A document confirming your official earnings at the main and / or additional place of work:
Copy of work book
Be sure to certify the copy with the signature and seal of the organization. The bank will not accept the paper without certification:
Certificate of state pension insurance or the abbreviated name SNILS.
The document is issued either by the Pension Fund or by the first employer:
Marriage certificate or its dissolution
Marital status is an important factor when evaluating a borrower. Even if you are in an informal civil marriage, the chances of getting a mortgage are increased:
Birth certificate of children.
You can provide a copy certified by a notary or at the registry office:
Title deeds for real estate.
A mortgage apartment or house is an object of collateral - a guarantee for the bank to repay the debt:
Expert assessment of the cost of an apartment or house.
Often, a bank employee himself suggests contacting a specific law firm that provides real estate appraisal services. However, you have the right to independently choose who to contact:
Extract on the absence of arrests and prohibitions(from the Unified State Register of Rights).
The paper is received at Rosreestr by paying a state fee:
Additional information that the bank may require
Each bank needs to clarify its list of documents. So, for registration of a mortgage, you may need the following documents and / or copies (if any):
Valid driver's license:
Marriage contract between spouses:
Certificate of registration at your current place of residence:
Education documents - higher, secondary special:
An employment contract concluded with your employer and certified in the form (with yours and the manager's signature and seal):
- It is necessary to collect the maximum number of documents that confirm your solvency. In addition to certificates of salary / pension / benefits, you can prepare documents for the ownership of real estate, a car, for the presence of a deposit account in the bank. You will be able to get more favorable conditions for your mortgage loan.
- The preparation of some documents (income statement, expert assessment of the value of real estate, etc.) requires a certain amount of time. Consider this fact when planning your actions.
- It makes sense to send copies of documents simultaneously to two or three banks. This saves time and by comparing the conditions, you can objectively evaluate the programs of different banks.
