To purchase housing, young families choose mortgage loans. So you can get the required amount for the purchase at once, and settle with the bank for several years. In this article, you will find answers to the main questions: how to choose a suitable mortgage program, which documents to collect and what you need to submit them to the bank. Also, you need to provide some nuances for a positive decision of the lender and have a good credit history.
How to choose a mortgage program and bank
On the Internet there are a lot of lots that offer you to choose a profitable program among all banks in the country. Programs may differ in the initial contribution, the terms of banks for issuance, interest rate, payout.
One of the most popular service is Banks.ru., Follow the link to start searching.
In the left side of the screen you will see a small form for filling, and on the right - the best offers of this month. To search more accurately, click on the Advanced Search button.
Fill in all fields in the form, namely:
- Specify your city,
- Loan amount
- Payment term
- Initial contribution in percent
- Mortgage currency,
- Pay attention to the Credit Countment Count: you need to choose exactly the type of housing you will acquire.
As soon as you finish entering information, click "Find".
Now you will see all the offers that match your request. On the columns sorted basic information about the mortgage.
If you liked some kind of offer, you can place an application directly on the site. Click on the "Arrange" field.
Fill in the contact information about yourself. As soon as you send an application, you can get used to the collection of necessary documents for mortgage.
Applications can be sent electronically on the official websites of banks. This service is available everywhere and is provided free of charge.
What documents are needed for mortgage
In various banks, the package of documents may differ. The main documents look like this:
- A statement filled in your bank with a lending specialist;
- The original passport and its copy;
- Documents for collateral. This may be a technical passport of real estate, and BTI, an assessment of the expert;
- A copy of your workbook with topical data;
- 2-NDFL Help.
In addition to these documents, different banks may require additional:
- Your abroad passport with all the marks at customs;
- Driver's license;
- Evidence of the insured person in the FIU;
- Certificates and diplomas about education;
- Inn code;
- Marriage data;
- Men provide a military ticket;
- Certificates of the birth of children;
- Other insurance.
It is not at all that you will require at least one of these documents, but it can happen.
How the bank decides
Once you are submitting a package of documents, the Bank's specialists begin a thorough check. Your credit history is played by a big role: the number of loans redeemed, fines and delays. If you already have a loan, then this may cause for refusal.
If experts consider that your financial situation allows you to pay for mortgages, then the decision will become positive. On the decision of the bank, there is a month and a half. After that, you will be notified of the amount that the bank agrees you to issue.
The procedure for making a mortgage
You have three months to make a decision: make a mortgage on the bank's terms or not.
If you decide to do this, then enter the contract of sale with the seller of the apartment or plot, give it to the bank. After that, the initial contribution of the mortgage occurs.
Only by making it, you can proceed to insurance of your housing - this is a prerequisite for banks. It is almost over this procedure - you make up the final contract with the bank indicating the collateral. Now you need to pay interest on time.
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