Those Soviet times have long passed, when the area of \u200b\u200bhousing provided by the state was calculated in the number of children. To improve the housing conditions with modern large families, along with all the others, have to seek a loan. However, most credit organizations consider their statements without special enthusiasm, and this concerns not only mortgages, but also other credit programs.
1
To begin with, decide what type of loan is your family - mortgage, car loans or consumer credit, for example, to buy furniture. Contact your bank in your region and, if possible, not in one, where to use the advice of competent employees, just do not immediately notify them that you are many families.
2
Carefully listen to full consultation on lending programs on general reasons, then ask if the benefits are not provided for large families. And, most likely, the answer to the main types of loans will be negative, with the exception of the issues with the mortgage.
3
If your choice stopped on mortgage lending, contact the administration of your settlement, a comprehensive center for social protection of the population, where you will definitely be igniting about the existing programs of preferential lending, state subsidies envisaged for large families and all that is connected with them. Recently, the state is trying to help families, especially with a large number of juvenile children.
4
By choosing a credit institution, it is sent to the charges of proper documents to obtain a loan with large parents. You need to have available: the main document certifying the person (only passport), a copy of the workbook, certified by the seal of the personnel department, a reference to the Family Form 9, a certificate of income in the form of a bank or 2-NDFL, depending on the credit institution. Income certificate and a copy of labor do not have a shelf life - for information.
5
Having a package of documents on his hands, apply to the credit institution. Keep in mind that often large parents, acquiring a loan for housing needs, act as co-coaches and make out a loan for two. So you need to have two packages of documents for each parent separately. It remains for small - wait for the bank's answer.
In case of refusal to find out the cause is almost impossible, but it can be submitted to another credit institution. By the way, referring to different banks, it is possible to "run out" on the bank + developer's held shares on the programs of shared construction at preferential rates.
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