"Young family": what documents are needed for mortgage
Not all young at the wedding are handing the keys to the apartment as a gift. Therefore, very soon they have a thought about their own family nest. The only real way out of the complex situation is a mortgage. It makes it possible to immediately move to their accommodation, bypassing many years of accumulation and accommodation on removable apartments. This path is not simple, requiring organizedness and patience.
1
First you need to determine if your family is suitable for the status of a "young family" and can you qualify for a mortgage. In the mortgage federal program, the age plan for spouses is definitely not defined. But it is known that at least one of the spouses should have age between 18 and 30 years. Further age restrictions introduces their own. Sberbank of the Russian Federation established the "bar" for 35 years, Promsvyazbank and Alfa-Bank in general, the age of citizens do not limit.
2
Most often mortgage lending interests precisely in connection with the problems of acquiring their own housing. Of course, the next important question arises - which housing is allowed to purchase on credit. You can buy real estate in a new building, in the secondary foundation, as a share in the construction of housing. Decide with the type of real estate, choosing a mortgage program.
3
The package of documents required for the loan design is determined by the type of elected housing. Be pre-prepared for the fact that the bank will require a large number of documents required for the transaction between you. It is necessary to carefully collect everything that is required, and transfer to the bank. Suppose you chose a new building, then together with your package should provide documents from the construction company. Usually, their developer banks reports himself. These are permits for the construction of housing and land for it.
4
Buying real estate on the secondary housing market, it is necessary to prepare pravopodtverzhdayuschie and title documents to the selected object. There are several documents: the deed of gift, equity participation in the construction, purchase and sale, etc., the cadastral, technical passport, certificate of ownership of the property. Bank may also require a certificate of absence of encumbrances, debts on housing.
5
In addition to your documents, the bank will require documents each seller of the apartment. This identity documents, a certificate from the psycho-neurological clinic or a copy of a driver's license. If the apartment is sold and the wife of this housing - jointly acquired property, it must be notarized consent of the other spouse for sale (alienation) of the apartment.
6
Choose the bank very carefully. A special state program "Young Family" to participate with its program of mortgage lending following the banks of the Russian Federation:
Each bank itself establishes a list of the necessary documents, but there is a universal condition. You, as a borrower of the bank the following documents (originals and copies):
russian passport;
driver's license (if applicable);
Inn;
SNILS (pension insurance);
education documents;
background of psychoneurological clinic;
certificate of marital status;
a copy of the work book (for confirmation of work experience in the same place);
income statement - form number 2NDFL (alternative - reference in the bank's letterhead, certified by your employer, confirming the information on their income) is taken into account "the white salary" and additional payments, all together should be sufficient to repay the loan.
8
For mortgages require the introduction of the initial contribution - roughly 10% of the total cost of housing. The family must consist of status, be solvent. In addition, the family need to be a waiting list for housing in the local municipality, confirm that require rapid improvement of their housing and utility conditions. Very rare cases, banks require guarantors for mortgage lending. The collateral is real estate acquired by you.
9
If your salary card issued in Sberbank, Download and complete the application form in pdf format for the registration of the credit for the action "young family". To fill in the questionnaire on the computer, you can use the program Adobe Reader.By downloading it for free from the official site.
Refusal in mortgage lending can be: the unreliability of documents transferred to the bank, insufficient financial consistency. The rules of the program also contradicts the presence of own real estate. The resulting loan can be returned early using the mother capital in the future. After placing a tax deduction, you will reduce the loan costs.
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