Every year in our country several tens of thousands of single-family houses (cottages), cottage villages and apartment buildings are being built. Most people in need of housing do not have the means to pay its full cost. At such moments, “compassionate” banks come to the aid of those in need with a proposal to arrange a mortgage. Despite the fact that the interest on these loans is very high, people have no choice but to take advantage of the bank’s offer.
Mortgages
Depending on the category of citizens who need housing improvements conditions, mortgage may be of several types. Depending on the type of such a loan and the status of a citizen, defined as in need of better housing conditions, the bank asks for various packages of documents for consideration. Consider what documents are needed for a mortgage, depending on social status.
Military mortgage
This type of loan is issued under the special program "Military Mortgage". The program involves the inclusion of a soldier in the register of those in need of better housing conditions. Three years after being on the list, an employee can apply for a loan. After considering the application, the borrower is issued a military mortgage. What documents are needed to receive funds for the construction or reconstruction of housing?
- document confirming the identity of the borrower. As a rule, a passport acts as such a document;
- if the soldier is married or divorced, then in the first case he provides a certificate of marriage, in the second - a certificate of divorce;
- if there is no document confirming the presence or absence of a spouse, then a notarized permission of the second half of the marriage union for the purchase of housing on credit is required;
- certificate of inclusion of a borrower serviceman in the register of needy with a record of the statute of limitations of at least three years;
- borrower military profile;
- documents for real estate that the borrower is going to take on credit (agreements with developers, real estate offices, estimated cost of purchased housing and others);
- other documents at the discretion of the bank.
A feature of military mortgages is the lack of payroll certificates (cash allowance) the borrower.
Social mortgage. What documents are needed
This type of mortgage implies lending to low-income families and for citizens who are in line for improving housing. Social security also includes military lending.
Social is called a mortgage for low-income families as well as for those standing in queues for improving housing conditions. The following may apply for a social mortgage: military, young families and people without families, who are at a young age under certain conditions. The state provides various subsidies and finances such families by providing benefits, which include social mortgages.
Consider what documents are needed for a mortgage of this type?
Depending on the bank in which the family will open a loan, different documents may be required. An approximate basic composition can be voiced as follows:
- copies of documents proving the identity and availability of the original;
- birth certificates of children (minors);
- marriage certificate (or its dissolution);
- income statements of all working family members;
- certificate of form 2-NDFL for 12 or 6 previous months;
- copies of insurance certificate;
- for men - a copy of a military ID;
- copies of educational certificates;
- copies of work books certified by the signature and seal of the employer;
- certificate of place of registration;
- if you have loans, you need to take a certificate from your previous bank about your credit history;
- may require a certificate from a narcological and psychological dispensary;
- borrower profile.
What documents are needed for a mortgage in the Agricultural Bank and Sberbank
Russian Agricultural Bank is one of the state intermediaries for the provision of mortgage lending. This bank, like Sberbank, works only with developers - legal entities, large organizations that have existed on the market for many years. These measures are taken to avoid fraud on the part of one-day developers. As in other banks, the package of documents includes:
- originals and copies of passports;
- application (form) from the borrower for a mortgage loan;
- if there is a guarantor, he will also have to fill out a similar document;
- military ID for men;
- a certified copy of the work book and a statement of income for the previous 12 months;
- certificate form 2-NDFL as a mandatory criterion;
- in the presence of a car, a vehicle passport and driver's license may be required.
Similar documents will be requested by the Sberbank mortgage lending program. What documents are needed to receive it, in addition to the above, a loan agent will be able to answer you.
If the application for a mortgage loan is approved, the borrower has a period of 6 months to find a developer and provide budget documentation, an agreement for the bank to provide funds for the purchase of residential real estate.
If the borrower has his own business
What documents for a mortgage need to be provided additionally in this case?
In addition to the above standard package of documents, the borrower owning his own business must provide as collateral documents on the financial and economic reporting of his organization (company, company):
- copies of constituent documents;
- if the borrower is both a founder and a leader, then it is necessary to provide a decision of the founders on the appointment of a director (chief) and an order to take office;
- Profit and loss statement for the last few years;
- balance sheet.
If the borrower is an individual entrepreneur
What documents are needed for a mortgage in this case?
1. Certificate of registration.
2. Documents on contributions to state extra-budgetary funds.
3. Bank account statements.
4. Copies of contracts related to its core business.
Applications for a mortgage loan can be considered up to three weeks.
