To purchase housing, many draw up a mortgage. Each bank has its own conditions. Can I get a mortgage for two? A similar service is provided at many banks. It has its own characteristics and design conditions, which are described in the article.
Conditions
Is it possible to take a mortgage for two if people are business owners or a married couple? A similar service is provided. It involves the summation of the income of borrowers who will be co-borrowers in this transaction.
Bank conditions are almost the same:
- Age 18-65 years old.
- Notarized consent to a loan.
- A mortgage is not issued in a civil marriage.
- It is important to file a marriage certificate.
- The experience of each spouse is not less than 6 months.
- The term of loans is 5-25 years.
- The amount may be equal to 250 thousand - 15 million rubles.
- Proof of income.
Therefore, the question of whether it is possible to take a mortgage for two without marriage can be clearly answered - no. A confirmation of the presence of a family is a certificate.
Features
If all the conditions are met, is it possible to take a mortgage for two? The features of this procedure must be known to everyone who wants to purchase their home. Such a mortgage is available at many banks in the country.
To complete the transaction, you must personally visit the branch of a financial institution. An online request for such a service is not valid. When submitting an application, clients must have with them all the documents necessary for processing the transaction. Can I get a mortgage for two business owners? Is it possible. Only registration requires company registration papers.
Many spouses are also interested in whether it is possible to take a mortgage for two. How to arrange it? It will be necessary to draw up an application for a mortgage in the form that is accepted in a particular bank. The organization considers this application and evaluates the possibility of obtaining a mortgage loan. If a positive decision is made, then the borrowers again need to come to the bank and complete the loan. It is necessary to make the first payment and sign the documents. Debt payment is carried out according to the established schedule.
Bank Offers
Before you get a home loan, you should familiarize yourself with all the subtleties. Is it possible for two to take a mortgage on favorable terms? Of course. Optimal conditions are offered in the following banks:
- Sberbank Those wishing to purchase housing are not only interested in whether it is possible to take a mortgage for two? The conditions for carrying out a similar procedure in each bank may vary. Where is it more profitable to apply? Many people use the services of Sberbank. The term of the loan is 5-25 years, and the rate can be in the range of 13-24%. A mortgage at Sberbank is issued in the amount of 250 thousand - 12 million rubles. You will need to pay a down payment in the amount of 1/5 of the part. Similar conditions apply to all customers.
- "VTB 24". Can I get a mortgage for two in VTB-24? This bank provides customers with loans of 300 thousand - 14 million rubles. The maximum term is 25 years. The rate for all borrowers is different, but usually it is 12-18%. From the borrower you only need to make a contribution in the amount of 15-30% of the amount.
- Russian Agricultural Bank. In such an institution, customers can obtain a mortgage loan in the amount of 250 thousand - 15 million rubles. The rate is 15-20%. Loan terms are 10-20 years. During the processing of this loan, customers must make the first payment, which is equal to 10 to 50% of the amount issued by the bank.
- Binbank. Mortgages are granted for a period of 5-25 years. The maximum amount is 10 million rubles. The rate is determined individually, it is usually set within 15-22%.Borrowers need to make a down payment, which is 15-35%.
- "Alfa Bank". Clients can issue a mortgage in the amount of 400 thousand - 13 million rubles. Funds are provided for 10-20 years. The rate is 14-16%. Borrowers only need to pay a down payment, which is 10% of the amount.
- Raiffeisenbank The Bank provides a mortgage for 2 borrowers up to 15 years. The amount is 350 thousand - 11 million rubles. Mortgages can be obtained at 12-17% per annum. Down payment is up to 50%.
On spouses
If the mortgage is executed on the spouses, then one of them will be the co-borrower by agreement. A feature of such transactions are high rates. Overpayment is usually 20-24%, and the amount issued up to 10 million rubles. Maximum terms are limited to 20 years.
During the registration of a mortgage for spouses, the procedure for registering real estate is considered an important nuance. If the registration is shared, then the amount of payments to pay off the debt is distributed in shares between the spouses.
Without marriage
Making a mortgage transaction for 2 borrowers who are not married has some subtleties. In this case, persons living in a common-law marriage must conclude an agreement on shared participation in the transaction. Such grounds apply to the drafting of an agreement for family and friends. Each co-borrower has the right to apply for part of the property.
In practice, such transactions are concluded up to 15 years, and the maximum amount is not more than 8 million rubles. Rates for all customers are individual, usually they are 13-15%.
When divorced
In the event of a divorce, you need to follow some recommendations regarding the division of property:
- The acquired property is divided in equal proportions.
- Real estate will be divided regardless of who was the borrower and who is the co-borrower.
- If the divorce is carried out with debt, you need to sell the property in order to cover your existing loan debt.
It is better not to bring matters to conflicts and problems with previously issued mortgages, timely concluding a marriage contract. The law allows you to issue it both during the registration of marriage, and after that. The guarantee of eliminating problems is the conclusion of a mortgage agreement with the bank. The risk of the lender in the event of a divorce is reduced. Typically, banks determine both spouses as co-borrowers, then the couple can receive a large amount, and banks are provided with additional guarantees.
Requirements
Banks have some requirements for mortgage lending:
- The borrower must be a Russian citizen.
- Passport availability.
- Mortgage approved by a notary.
- Proof of employment.
- The presence of income is not lower than that declared by the bank.
- Submission of application.
- Payment of debt according to the established schedule.
- No debts on previously executed loan obligations.
- The need to pay a down payment.
Documents
To apply for a mortgage, the following documents are required:
- Passport.
- Help at the place of work.
- Certificate of Income.
- A document on the ownership of the enterprise, if the mortgage is drawn up with the owners of the enterprise.
- A document on marital status when concluding a transaction with spouses.
- Paper on the presence of children.
- Health certificate.
- Life insurance policies.
Payment
Debt repayment is carried out in several stages:
- Making the first payment.
- Repayment of the debt in accordance with the established schedule.
- If possible, you can pay the balance ahead of schedule.
Benefits
This type of transaction is in demand among residents of our country. The benefits include:
- The possibility of buying your own home.
- Some banks offer competitive rates.
- Debt repayment is carried out according to the schedule agreed with the borrowers.
- The possibility of using maternity capital to pay the down payment.
- Distribution of payments between borrowers.
- Closing a debt ahead of schedule.
Before applying for such a mortgage, you should familiarize yourself with the offers of several banks.After that, you can choose the most profitable program that will be suitable for all conditions.
