you need
  • -zayavlenie for a loan
  • -anketa Bank
  • -copy of passport
  • -copy pension insurance certificate
  • -copy INN
  • -copy military ID
  • -copy document on education
  • -copy of the marriage (divorce, marriage contract)
  • -copy birth certificate (children)
  • -copy employment record (certified by the personnel department)
  • -spravka of permanent registration
  • -Copies passports of all personsliving with the borrower
  • -Copies pension certificate and a certificate of the amount of pension (if the borrower resident pensioners)
  • -Documents on existing wealth (apartment, car, caravan, bank account and other)
  • -Copies documents proving timely paymentutilities
  • -spravka of Drug Dependency Clinic
  • -spravka of neuropsychiatric clinic
  • -All the originals of the above documents
Guide
1
loan to buy an apartment is better to take a mortgage.Interest rates on it are usually lower and easier to design it. loan provided for a period of 1 to 30 years.Requirements to the borrower at all alone.
2
your age should be from 21 to 65 (at maturity)
3
Documented solvency
4
on the last job requires experience notless than 6 months
5
general seniority at least 1 year (5 years)
6
sure to have Russian citizenship and permanent registration.
7
To issue loan need to contact your chosen bank to write a statement and fill in the bank form.Provide the required documents.If you arrange the loan , having to borrowers, the documents must be submitted to all borrowers.
8
Some banks apartment until full repayment of the loan and remain the property of the bank.
9
If not to pay the loan on time, the bank has the right to take it away apartment .
10
no down payment for an apartment loan is issued.Exposure to the interest rate of the first payment at all banks are different.
11
Bank will provide a loan only after careful verification of the documents submitted.