Loans that are provided directly by the banking structure for the purchase of residential real estate are inherently one of the largest in the whole market. In the context of which banks pay close attention to the borrower.
To obtain the required loan, you must first and thoroughly prepare. First of all, you need to collect the necessary documentation package. Naturally, you can already plan where you want this or that cabinet, stone sinks /kamennye-mojki-unikalno-i-universalno/ and so on. The initial version of such documentation can be prepared at an early stage when the bank decides to consider your application for a mortgage loan. Such an application is often submitted in the form of a special questionnaire, if the need arises, then everyone in the same bank will help to fill it out correctly.
Documentation from the borrower
The list of obligatory documents on the part of the borrower should certainly include: the original passport or its notarized copy, the original identification code, a certificate of the borrower’s income, which can be easily obtained from the personnel department, as well as a copy of the work book. Pay attention to a few rather important points: the certificate of income of the borrower must be certified by a round seal, as well as by the corresponding signature of your boss. The certificate indicates the amount of your salary for the last six months, while the amount is displayed as a monthly salary.
If you are taking out a mortgage loan while you are married, then you will additionally need all the documents listed above, but already your wife or husband. Additionally, a marriage certificate must be presented. The situation is similar with divorce: it must certainly be documented. If you have children, you will need a certificate from the Housing Office regarding their registration.