Documents for obtaining a mortgage with features for different categories of borrowers

Welcome! Today, let's talk about a very important topic. You will find out what documents are needed for a mortgage. The post will be thorough. we will not easily analyze the standard list of documents for a mortgage, but also what documents are needed for a mortgage for individual entrepreneurs, law enforcement officers, pensioners, "salary workers", as well as the necessary documents for an apartment, land and house, documents for registering a mortgage and documents after paying off the mortgage . Read to the end and ask questions if you need to add something.

Registration of a mortgage cannot do without a certain package of documents, which may differ from the category of the person applying for the loan, and from the type of his activity. In addition, additional paperwork from home sellers may be required. Let's figure out what documents are needed to apply for a mortgage on an apartment for different categories of the population of our country.

Regardless of the financial institution you apply to, you will need to collect standard documents for obtaining a mortgage. The difficulty here lies in what kind of security you offer the bank, and whether you can confirm your income with the relevant certificates. Consider in more detail the standard package of documents for obtaining a mortgage, and you will find out what documents are needed to obtain a positive decision on the application.

List of documents for obtaining a mortgage:

Identification

When buying an apartment on a mortgage, you will need to provide a copy of your passport and the passports of all participants in the transaction to the bank. The passport must be valid, without serious visible damage. When copying or scanning, be sure to remove the cover from the document.

In Raiffeisenbank, Transcapitalbank, VTB 24 and a number of other banks, you can apply for a mortgage for a foreigner. In this case, the national passport of a citizen of another state with a mandatory notarized translation, as well as the TRP will be considered an identity card. You will learn about other requirements for documents for a mortgage for a foreign citizen in our separate post.

If you do not have a permanent residence permit in the territory of the Russian Federation, then there must be a temporary registration. Banks are ready to consider applications for mortgages in such a situation, but not in all banks.

Promsvyazbank, Unicredit will not consider applications with temporary registration. At the same time, VTB 24, Raiffeisenbank and Russian Capital are ready to lend in such a situation.

Make sure that in the temporary registration the data of the passport coincides letter by letter with the data of the passport. Watch out especially for abbreviations. They must be as written in the passport. If you have written: "the city of Omsk, it is impossible to reduce it to the city of Omsk." Sberbank will immediately return such an application, while others may skip it.

A child under 18, in most banks, also presents his ID. For him, it will be a birth certificate.

Application-questionnaire of the borrower

This document is required for the initial application for a loan. The mortgage application form is filled out in the form of a bank, which means that each organization will have its own points, and you may need to answer a variety of questions. Here you enter your personal data, income level and all the necessary information to proceed to the next step. An application for a mortgage is drawn up here, according to a sample that a bank employee is obliged to provide you with.

A mortgage broker can fill out the form for you. This will be the best solution. First, it will do it faster and without errors. Secondly, he knows how to “correctly” fill out a loan application form so that the chances of a positive decision are higher.

Documents to prove income

To get a mortgage, you have to collect a separate package of documents that will confirm not only the solvency of the borrower, but also the stability of his financial condition.

The most reliable option for confirming income is a 2NDFL certificate. You can get it from accounting. It is signed by the chief accountant. If the staff of the organization does not have one, this responsibility lies with the director. The document must have the seal and signature of the head, as well as the current edition. If 2 personal income tax is signed by power of attorney, then be sure to attach a copy of this power of attorney.

Almost every year, the 2NDFL certificate is modified. Not always accountants follow this. Especially often there are problems with budgetary organizations, so be sure to ask the accounting department for an up-to-date certificate form. Otherwise, you will lose time and be forced to redo the certificate again.

Very often, accountants make mistakes in 2NDFL. Carefully follow what is written about your passport data. Perhaps you have already changed your passport, but the accounting department has not updated the information. Also check the address in the help. It must match the registration address in the passport up to the letter and abbreviation.

Sberbank very often returns applications with 2NDFL if incorrect street abbreviations, names of settlements, etc. are indicated. Require the accounting department to exactly match this item with the address of registration.

If you have a temporary registration, then write down the address from the temporary registration.

Be sure to check the deductions in the appropriate column. They must be correct.

Often a gross mistake is made when applying for a mortgage. If part of the borrower's income passes through the "gray" cash desk, then it would be correct to provide a certificate in the form of a bank for a "full salary", but instead 2 personal income tax is provided for all income. In this case, the bank will check the deductions and will refuse the application. This will be especially noticeable and immediately lead to a refusal if there are round numbers in 2 personal income tax (20000, 40000, etc.)

Most citizens receive a salary in the "envelope". There is a minimum official part, and the rest is handed out. In this case, it will be necessary to fill out a certificate in the form of a bank. Each bank has its own.

You can download sample bank statements directly from our website. To do this, just go to the "Banks" section and find the organization you need.

Metallinvestbank, Otkritie Bank, Raiffeisenbank and a number of others are ready to accept applications for certificates in the form of other banks. This will greatly speed up the application process. Get from our specialist and specify where it is better to apply in your case.

Job confirmation

The package of documents for a mortgage must also contain a copy of the work book. It must be properly certified. On each turn of the labor should be a mark "Copy is correct, full name and position of the signatory, his signature and date." There should also be stamps. If you make two labor spreads on one page, then certify each spread with a seal and a mark. On the last page of the copy of the labor should be a note that the borrower is currently working.

If you work not under an employment contract, but under an employment contract, then you have three options for obtaining a mortgage. An employment contract, as a confirmation of labor activity, accepts, accepts Globexbank. Try to apply there. The second option is to issue a mortgage on two documents. The third option is to purchase a package of documents for a loan.

This concludes the standard application package. But in some cases, representatives of a financial institution may require an additional document:

• a driver's license is one of the options for the second document. Often required for a mortgage on 2 documents. Also, together with the title and a certificate for the car, it can be provided as confirmation of the borrower's assets.
• military ID - needed in a number of banks only for men up to 27 years old inclusive;
• international passport - is used extremely rarely as a second document;
• pension insurance policy - is almost always used in the application. With its help, banks can check contributions to the pension fund;
• marriage / divorce certificate - a number of banks require if there was a fact of marriage or divorce and there are marks about this in the passport;
• property documents (apartment, house, land, cottage, etc.) - needed to increase the chance of approval;
• documents on education - requires a number of banks, if there is no mark on education in the labor;
• documents on additional income (declaration, copy of the contract, certified + certificate of income, etc.).

Sberbank does not require additional documents. Only the standard package.

Mortgages for employees of the Ministry of Internal Affairs and the military

The package of documents for law enforcement officers is different from the usual one. In addition to the standard package of documents, they provide:

• a certificate of length of service, which should contain information about the period of service in the organization, the period of service in the last place, position;

• a certified copy of the contract;
• identity card of an employee of the Ministry of Internal Affairs or a military man.

A copy of the labor servicemen and law enforcement officers do not provide. If the serviceman is interested, then you need to provide an additional certificate of participation in the NIS.

Businessmen and entrepreneurs

Buying an apartment in a mortgage for an individual entrepreneur is associated with a number of problems. We talked about this in our other post. There are also difficulties with the package of documents for this category of citizens. Instead of a work and certificate, you need to provide:

• tax documents for the last reporting period (Declaration) containing the mark of the Federal Tax Service;
• IP registration certificate;
• tax registration certificate.

Additionally, you may request:

• Account statement to see the movement of funds;
• List of fixed assets;
• Documents for the premises.

Business owners are best documented if they are treated as individuals. In this case, a standard document is sufficient. They can be certified by the owner himself or by another founder, if there are several of them, or by an authorized person in the organization. Sberbank and Rosselkhozbank are quite loyal to such clients. Otherwise, you need to prepare a complete package of documents.

If USNO and UTII:

• Book of income and expenses;
• Certificate from the bank on the availability of credits, loans, limits, etc.;
• Account turnover statement;
• Tax with a mark for the last reporting period;
• Confirmation of the fact of payment of taxes;
• Questionnaire describing the activities of the organization;
• Balance sheet.

According to the classical tax scheme:

• Balance sheet;
• Gains and losses report;
• Income tax and VAT return;
• Turnover balance sheet for accounts (66.67) for the last reporting period;
• Certificate of availability/absence of loans and borrowings, availability of credit limits, quality of credit history, availability of issued obligations (guarantees, letters of credit, received guarantees) in servicing banks, certified by the seal of the bank, certificate of the presence/absence of file cabinet No. 2 (for each of the servicing banks );
• certificate from servicing banks on account turnover (for the last 6 months on a monthly basis)
• a brief description of the activity, set out in an arbitrary form in the questionnaire.

As you can see, the list is very serious. The easiest way to issue a mortgage in this situation is 2 documents.

Retirees and the disabled

Buying an apartment on a mortgage for a pensioner is quite realistic. We are not even talking about military pensioners and pensioners of the Ministry of Internal Affairs. Banks are very fond of this category of borrowers if they continue to work. A loan for an ordinary old-age pensioner is quite possible, although it is associated with a number of restrictions. Pensioners, for a mortgage, the package of documents provides the following:

• 1. The passport;
  2. Pension certificate (if still issued);
  3. Certificate from the pension fund on the amount of the accrued pension.

Mortgages for pensioners are very popular in Sberbank. If a pensioner receives a pension from this bank, then it is enough to indicate in the questionnaire the number of the account or card where the money is received. In this case, you do not need to request a certificate from the pension.

Payroll package

Very often, banks give certain preferences to employees of an organization who receive a salary through this bank. So, for example, if you receive a salary through a VTB 24 card, then you can qualify for a minimum down payment on a mortgage of 10%, as well as a reduced package of documents. Instead of a certificate of income and employment, you just need to present the card number.

A very important point! Often there are refusals on mortgages for payroll workers due to the fact that when applying for a card an error was made in the information about the client (passport data, full name, date of birth, etc.) or simply the employee uploaded the account data incorrectly or did not find it at all . After such a refusal, be sure to clarify the reason for what happened with a bank specialist. You may need to provide a full package of documents and you will have a positive decision.

Notaries and lawyers

Notaries/lawyers stand apart. They provide copies of documents confirming the status of a notary / lawyer, as well as documents confirming income in the form of a declaration or in the form of a bank.

All certificates and a copy of the labor is really exactly 1 month.

Mortgage without documents

Some banks offer the possibility of obtaining a mortgage with just two documents. It can be a passport and any other document:

• Warrior;
• SNILS;
• Driver's license;
• International passport.

This method is quite real and practiced, but is associated with rather unpleasant features:

• interest rates on such a mortgage will probably be higher than with the classic version;
• initial payment of 30% or more;
• limited number of banks.

VTB 24, Bank of Moscow, Uralsib, Sberbank, Transcapital and a number of other banks operate under this program.

Documents on the property

After approval of the application, the bank gives time to the borrower to select a property and collect documents for it. Next, we will analyze the various options for events.

Documents for housing mortgages from the secondary market

The developer must be accredited by the bank. If this is not the case, then you will not be able to take a mortgage on an apartment from him. The developer provides a full package of documents in advance on its own, so the bank does not need to provide anything else on it.

The package of documents is as follows:

1. DDU - for a mortgage on an apartment building under construction.
2. DDU + assignment agreement + documents on payment of DDU - for a mortgage on the assignment of claims.

Classical mortgages under unit accumulation agreements in housing cooperatives are not possible. Here you need to consider alternative mortgage options.

Mortgage for the construction of a house or cottage

In addition to the standard package, representatives of a financial institution must provide:

• a document confirming the ownership of a land plot or a lease agreement;
• contract with a construction company;
• estimate;
• building permit (if required by law).

In Sberbank, a mortgage is possible for building a house without involving a developer.

Documents for registration

After signing the loan agreement, it is necessary to apply to the justice to register the mortgage. For this you will need the following documents:

• Credit documentation;
• Passports;
• agreement basis;
• Grade;
• Those. Documentation;
• Grade;
• Mortgage;
• State duty;
• Marriage certificate (if any).

Documents after mortgage

Paying off your mortgage is not enough. After you have fully paid off with the bank, you need to. An object purchased with a mortgage will remain pledged until you go through this procedure. Read more about this in our previous post.

We hope now you have no more questions about what you need to get a mortgage loan and to approve a property. We will be grateful for your comments below and subscription to project news.