How to get a mortgage on the apartment

Mortgage is one of the real ways to buy an apartment, since often real estate prices are painful "bite." Mortgage lending is engaged in a huge number of banks, each of which has a certain list of the provision of mortgage for its customers. This type of lending is widely popular, even though the overpayment amount is almost equal to the amount of the required loan.

First you need to choose the apartment you plan to take into a mortgage. If this is a new residential complex, the construction company will offer a list of banks with which it cooperates. By concluding the armor agreement for the apartment you have chosen for a period of several weeks, you can start collecting documents for the mortgage.

Consider the proposed list of banks and pack for yourself somewhat optimal. Contact these banks and initially get information about the conditions for providing a mortgage loan (interest rate, minimum initial contribution, the cost of execution of the loan, the time of consideration of the application, the necessary package of documents, etc.). The first condition that is necessary for the mortgage to the apartment in any bank is the presence of an official earnings, the so-called "white salary". The higher you have a salary specified in the Help 2-NDFL, the greater the likelihood of obtaining a positive response according to your application.

The standard package of documents includes: a bank form application form, a certificate of 2-NDFL, a copy of labor, certificate of work, a marriage certificate or divorce, childbirth certificate, driver's license and documents on the availability of any other loans in Banks. All that will be requested in addition to these documents are individual conditions for each bank. Be careful when filling out the questionnaire and be sure to specify all reliable information, because it is checked by the internal security service of the bank and when you detect any inconsistencies or to complete the information you will receive a failure to issue a mortgage.

Do not make a choice in favor of one bank in the process of submitting an application for a mortgage and simultaneously with one bank, pass documents and other. No bank will give you guarantees in a positive response to your application, and the armor treaties has a certain period. Even if you get a positive solution from several banks, in this case you can choose a bank in your preferences. The advantage will be not only big earnings in 2-NDFL, but also the amount of the initial contribution. Also remember that the majority of banks in the conclusion of the mortgage agreement suggests its customers insurance of a loan, which is practically impossible to refuse, and it is also worth making it in the amount of costs to prepare for mortgage.

Mortgage lending is the only alternative for those who do not have the full amount to buy an apartment. After all, only the mortgage lending system offers the missing amount for a long time and for a minimum percentage.