How To Get A Loan For Housing For A Young Family

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How To Get A Loan For Housing For A Young Family
How To Get A Loan For Housing For A Young Family
Anonim

Own housing is an important part of a successful family relationship for a young couple. But what if you don't have your own apartment? Mortgage loans for young families can help with this.

How to get a loan for housing for a young family
How to get a loan for housing for a young family

It is necessary

  • - passports of husband and wife;
  • - certificates of income;
  • - work books.

Instructions

Step 1

Find out if there are special benefits for young families in your area. They can be a serious premium for the purchase of your apartment or house. Such information can be provided to you in the department of social protection of the population at your place of residence.

Step 2

Study the terms and conditions of the major banks. Internet sites and various catalogs of loan offers will help you with this, for example, on the Internet site www.banki.ru Pay attention not only to interest, but also to the conditions - the minimum age for obtaining a loan, the possibility of attracting a co-borrower, the need for a starting fee … Select several credit institutions with the most interesting conditions for you.

Step 3

Prepare documents for all selected banks. In addition to your passport, you will need to prepare a certified copy of the work book with stamps and signatures on each page of the duplicate. The income statement must be made in the form of 2NDFL, but some credit institutions are ready to accept a document on the bank's letterhead indicating the salary actually received.

Step 4

Come to the selected bank in person. If you want to involve someone as a co-borrower, for example, a husband, wife or one of the parents, then he must also come with you and sign the loan application. A bank employee will be able to advise you and assess your possibilities for obtaining the desired loan.

Step 5

After completing the study of your application, the loan officer can give you an answer about whether the bank has agreed to give you a loan. If approved, you will have to transfer the documents for the apartment to the bank. The transfer of rights to the property will be made with the imposition of encumbrances on the apartment that is in the mortgage.

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