Probably everyone knows how important it is to live in their home. But the parental house can also be considered his home, where childhood and youth passed, and yet only the house that was purchased or built at its own can be called his home. In such a dwelling, every service and room is an occasion for pride in itself and its achievements in life. But it happens very rarely, so there is all the necessary funds for your own apartment, because every day it brings a lot of urgent cases and plans that you need to constantly spend a certain amount. Which, as it were, is not small, separates one more step from the cherished goal to postpone the funds to its own apartment or the construction of the house.
What documents are needed to draw up a mortgage
In such a situation, as a rule, a person decides to help a bank, which can provide a service on a loan or mortgage, give all the necessary information, solve the problems that arise and draw up all the necessary documents for signing.
What is a mortgage and what is needed to make such a loan
Mortgage implies a loan, but not a regular loan, but a credit for the purchase of real estate for living. As a rule, before deciding on a mortgage, a person weigns all the pros and cons, assesses the situation, and if the decision is final, no one can prevent a loan for the acquisition of a living space.
There are also some restrictions in the coordination of a mortgage, for example, for example, the reason for the refusal of the design may be:
providing knowingly false personal information and information about their income;
Real estate is recognized as undesirable for housing (dilapidated and old houses);
income does not allow a person on time and completely cover the loan monthly;
Human income is not confirmed by a number of necessary certificates and documents.
In such a situation, there is nothing to hope for and therefore, first of all, you need to make sure that the income allows you to pay for the mortgage (which is taken for not one year) and at the same time will allow us to live normally and will not affect the quality of the life of loved ones.
What documents are needed to draw up a mortgage
When the loan is approved, you can start collecting all the necessary documents, without which it is impossible to competently and from a legal point of view to conclude an agreement with the bank.
The necessary documents for registration of a mortgage:
passport (and copies of the passport);
insurance certificate (and its copy);
copy of the TIN;
documents on graduation and institute;
a copy of a military card (for male recruiting age);
copy of the work book;
a copy of the marriage certificate;
copies of birth certificates;
certificate confirming the amount of income;
Assessment of the acquired real estate at the time of purchase.
In addition to these standard documents, you may need:
copies of the passport of all family members;
the consent of one of the spouses to purchase housing;
certificates from the narcological and neuropsychiatric dispensary;
Certificates of good credit history;
certificates of the account of the required amount to repay the loan;
registration certificate;
documents confirming the availability of expensive real estate or car, as well as a land plot;
If there are guarantors, certificates and copies of the documents of these guarantors.
A mortgage is a loan taken for a rather long period, during which you need to regularly pay a certain amount every month.
What documents are needed to draw up a mortgage
Psychologically, this can be quite difficult, but you need to look not only negative aspects, but also to think that your own apartment or house is worth all efforts. After all, to live in your own house is a real happiness that is incomparable.