For most people, the acquisition of their housing is an urgent need. However, the average market prices often allow only to dream of obtaining a separate living space. An output in this case can be the purchase of a room in a mortgage.
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It is worth paying attention to the fact that banks more willingly issue loans for individual apartments, since some legal difficulties may arise with the acquisition of the room. There are banks that require a deposit already available real estate.
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In order to buy a room in a mortgage, you will need the following package of documents: draft contract of sale (in the form of a bank), ownership, extract from a single state register of rights to real estate, extracts from the USRP on other rooms in the apartment, document property rights , Report on the estimated value of the object (original), cadastral passport, explication, a package, extracts from the house book, a copy of a financial and personal account, a certificate of lack of debts on utility payments, a copy of the passports of sellers.
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Everything else will be required: a notarized consent of the spouse or confirmation that at the time of the transaction the borrower is not married, certified from the notary refusal of owners of other rooms from its preferential purchase right, a document confirming the deposit. If the seller is a minor face, you need to get permission from the guardianship.
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Pre-analyze your feedback carefully and select the bank, consult with the manager. You will need to confirm your solvency.
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After granting the listed documentation, the Bank takes a question for consideration. Usually it lasts about two weeks. If everything is executed properly, then the solution is made in favor of the borrower.
Among the loan credit institutions, which are issued to the purchase of rooms, are no more than 10% of the total number of mortgage loans. However, buy a room in the mortgage is still real. Especially loyal will be to you, if you already have a room in this apartment and buy out the rest, becoming the only owner. Thus, you can provide all the property in a pledge of the bank.
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