Online application for a mortgage without certificates. Online application for a mortgage. How likely is it to get a mortgage from the Housing Finance Bank?

For many Russians, improving their living conditions is a difficult goal to achieve, and acquiring new “mansions” generally remains only a dream. Some people save money, thinking that in the future they will be able to collect the necessary amount to buy an apartment or house, but their purchasing power only decreases due to inflation and expenses. However, in this situation, mortgage lending will be the solution. For such a decision to be profitable, you should know where it is better and how to get a mortgage, compare offers from Russian banks, and choose the best.

What you need to know before getting a mortgage

Now is a favorable time to apply for a mortgage. The most affordable rates today. If earlier lenders took 12-13% per annum, now there is a record low level, the cost of a mortgage loan has fallen to 9.50% per annum. But this is not the limit. It is assumed that banks issuing mortgages will begin to serve mortgage borrowers at 8% per annum.

Such conditions can await us by the end of 2018, and in 2019, it is likely that the interest rate will decrease to 7%. Against this background, 50-80% of transactions in the residential real estate market are concluded through mortgage lending, more than 4 million people repay housing loans. Not only new borrowers benefit, but also existing ones, since financial institutions give them the opportunity to refinance existing loans.

This allows individuals to save significantly (15-20% of the monthly payment amount). By the way, the share of mortgage refinancing will also grow. By providing this product, banks will not bear risks; on the contrary, they will benefit from its distribution. Mortgage refinancing will lead to a reduction in payments, and, consequently, the credit burden on the family budget. If payment is made using the annuity system, the savings will be about 20%.

This means that it will become easier for the client to repay the debt, which means that he will most likely cope with his debt obligations. But some citizens have a question: “If everything is so good, and in the foreseeable future the rates will become even lower, maybe then it’s better to get a mortgage later?” It is more advisable not to delay the purchase of housing, especially when it is urgently needed.

In your search for a suitable offer, you may miss a good option. In addition, people who managed to get a mortgage, as practice shows, pay it off ahead of schedule. This means that many borrowers are able to cope with debt obligations faster and reduce the final overpayment by several times.

How to apply for a mortgage loan correctly

There are a number of other aspects in which a person intending to take out a mortgage needs to be aware, for example, the optimal loan parameters. Let us note right away that there are none, because... everything is individual in each specific case. But a few general tips will be useful for you:

• If you have already decided where to get a mortgage, and all that remains is to choose the most optimal loan program, pay attention to the size of the down payment. There is a connection between him and the bet. Typically, banks, with an increased down payment, reduce the cost of using borrowed funds. It is recommended to save at least 20% to contribute towards the purchase of a house or apartment. This will increase your chances of approval. The more a person contributes at the first stage, the shorter the loan term and its cost will be. Of course, the ideal ratio of both credit funds and personal savings is considered to be 50 to 50. You should not take out a consumer loan for these purposes. Such actions will increase your debt burden, the likelihood of delinquencies, etc. It’s stupid to look for, to say the least, there are practically none of these left on the mortgage market. Even if they are presented in a single character, there is no benefit from them. Firstly, there is a high interest rate on the loan. Secondly, - mandatory selection of an object from a limited list of bank partner developers;
• Evaluate your financial capabilities wisely. For borrowers living on a small salary, loan payments should not exceed 40% of the family budget. Individuals with average income are allowed to allocate up to 50% for a mortgage. If your salary is high, you can burden yourself with a credit load of up to 60% or more.

What legal norms govern mortgage issues?

The size of the monthly payment is also important for the future owner of the living space. Again, the lender himself will give you this information. This payment is calculated depending on your income level, and cannot exceed 40-50% of your salary (after taxes). Repayment can take various forms:

• constant payments at a fixed cost of using credit funds;
• at a fixed interest rate and increasing payments;
• through a variable rate.

Procedure to apply for a mortgage

You can choose a suitable loan program with the help of a mortgage broker. The services are paid, but this will make the whole process much easier for you. The specialist looks for banks where you can apply for a mortgage, selects the best loan terms, and provides assistance in preparing documentation. If the borrower is not ready for such expenses, he will have to do everything himself.

The editors of the site “Take Credit!” I analyzed several dozen offers from popular Russian banks and prepared a selection for you. But first, we will describe the scheme of actions required to purchase housing using loan funds. The step-by-step instructions are as follows:

1. Choose which bank you will take out a loan from. There are over fifty mortgage lenders in Russia. A large proportion of Russians prefer to take out a mortgage at Sberbank. They also use the services of: VTB, Rosselkhozbank, DeltaCredit, URALSIB, etc.
2. Review loan programs carefully. The same Sberbank offers its clients:
   • mortgage for secondary housing;
   • loan to improve housing conditions;
   • acquisition of a property under construction on the primary market;
   • a program designed for young families;
   • military mortgage;
   • purchase of land, etc.
3. At this stage, documentation is prepared. Each bank has its own requirements regarding documents, but the standard list includes: passport, application, employment, certificates of collateral (house register, property registration certificate, appraiser’s report, etc.), 2-NDFL.
4. The lender makes a verdict within a few days or weeks based on scoring. If the answer is yes, the bank will tell you how much you can expect. After this, the borrower will have 1-6 months. for the final decision and signing of documents.
5. A purchase and sale agreement is concluded with the seller.
6. An initial payment is required.
7. Insurance is being taken out. You may be asked to take out insurance: personal (life, health), title (against loss of property rights), property (damage to a house/apartment).
8. All that remains is to sign the mortgage and pledge agreement and register the purchase and sale transaction. The money arrives in the seller's account within a few days.

How to get a mortgage at Tinkoff Bank

* Tinkoff Bank does not currently specialize in mortgages

Product Description

Tinkoff Bank is an intermediary in issuing housing loans, i.e. broker. He has partnerships with other lenders where he sends your online application for review within 2-4 days. Tinkoff helps you get a mortgage at a low rate and choose a bank with the best programs.

Each client has a personal manager who provides support in: collecting documents, organizing a transaction, searching for real estate on the primary market and a suitable insurance company. If necessary, he can recommend a good realtor. By the way, to apply for a mortgage, you do not need to collect documentation for each bank. Tinkoff itself will transfer 1 package to all partners.

And he cooperates with such commercial organizations as:

• DeltaCredit Bank;
• Orient Express Bank;
• Absolut Bank;
• Dom.RF;
• Gazprombank;
• AK BARS Bank;
• UniCredit Bank, etc.

If your request is successful, 1 visit to the bank will be enough to sign the agreement. To apply, you will need to upload your passport and income certificate online. If the borrower wants to become an individual entrepreneur, the list of his documents is longer: passport, OGRN, INN, tax payment certificates and declaration. The most acceptable conditions are set for apartments and apartments.

Those Russians who confirm their income initially contribute 20%. To further reduce the rate, it is recommended to take out health and life insurance for the borrower. Also profitable will be: buying an apartment from developers under promotional offers, mortgages under a preferential government program. For existing debtors, refinancing a mortgage loan (from 8% per annum) is suitable.

If you pay off part of your mortgage early, your monthly payment will decrease. You can find out the approximate rate by indicating the value of the property, the amount of the down payment and the amount you are willing to pay to the bank every month.

How to apply for a mortgage at UBRD

Product Description

The Ural Bank for Reconstruction and Development cannot offer as many mortgage programs as competing financial institutions. However, it has the most necessary options, as well as acceptable lending terms. The initial mortgage rate for a new building and for finished housing is set at 9.30% per annum if you register ownership of real estate from UBRD partner developers.

In both cases, the security is the pledge of the purchased object. The amount issued by the lender can be from 300 thousand to 30 million rubles. The borrower receives a loan for 5-25 years. Clients interested in purchasing housing in the primary and secondary markets can apply for a mortgage at a promotional rate. There are 3 of them, but only one is selected for the loan.

Each allows you to get a discount on the interest rate. If you take out a mortgage against capital, the fee will be at least 9.30% per year, and the deposit will be from 10%. For those wishing to obtain a loan for any purpose secured by existing real estate, its cost will be 12% per annum or more. The maximum loan amount will not exceed 15 million rubles. For its obligations, the borrower will have to pay the bank in full in 5, 10 or 15 years.

Requirements for a borrower intending to apply for a mortgage at UBRD

Persons who are 23 years old but not older than 70 at the time of debt repayment can count on cooperation with the lender. Only Russian citizens with a permanent place of work, 3 months of work experience (current work activity) and a total of 12 months are offered to apply for a mortgage. For pensioners, proof of solvency is an old-age/long-service pension. The monthly earnings of the future borrower cannot be less than 12 thousand rubles, and the co-borrower - 10 thousand rubles.

It is important not to have any current arrears or more than 2 loans if you do not want to be rejected. The application process is as follows: you consult with a mortgage specialist and submit an application on the UBRD website, after which you send the necessary documents by email to the bank or bring them in person to the branch. Next, you will receive a call from the manager, who may ask clarifying questions during the review of the application.

If you submit a complete list of documentation, you will receive a response the day after you try to apply for a mortgage. The verdict will also be communicated by telephone. You will be told about further actions. The client is given 3 months to select housing. He will not choose the object himself, but with the help of a personal manager. You set the date of the transaction, and for this you go to the bank’s office. After signing the loan documentation and insurance contract, the loan will be issued.

How likely is it to get a mortgage from the Housing Finance Bank?

Product Description

There are 3 products in the ZhilFinance Bank line. The most popular is a mortgage based on 2 documents, since it is accessible to a wide segment of the population, firstly, because the registration process is quite quick and simple. The second reason for the increase in demand is the low rate. If you are officially employed, confirm your income, it will be 9.20%.

The down payment for a mortgage is considered to be 20% of the value of the property. It is given for 1-30 years in the amount of 480 thousand to 20 million rubles. The loan is taken on the basis of copies of the passport and a second document (SNILS, driver’s license, etc.). About 82% receive same-day approval for their online application. BZHF provides mortgages to persons with any credit history. The borrower is a Russian citizen aged 18-65 years.

In addition to the mortgage under 2 documents, the lender gives:

• “New building” according to 2 documents. You need to lead from 20%. APR starts at 4.90%. They lend from 480 thousand to 20 million rubles. The property must be purchased from accredited developers;
• loan secured by real estate (flat/apartment) - no more than 20 million rubles. (up to 70% of the cost of the property) at 10.30% and higher for 1-20 years. The collateral is an existing apartment or apartments in one of the cities: Moscow, St. Petersburg, Moscow Region, Leningrad Region, Krasnodar, Omsk, Novosibirsk, Krasnoyarsk, Nizhny Novgorod, Novorossiysk, Saratov, Kazan, Ekaterinburg, Volgograd. The living space must be located in a multi-story building, be in good condition, and not encumbered. Submitted: passport, real estate documentation.

Who can apply for a mortgage for the purchase of real estate at Promsvyazbank

Product Description

Promsvyazbank has more than 7 offers that take into account the needs and needs of the client, including “Maternity capital”, a mortgage for the purchase of finished housing, in a new building. Refinancing is also provided. The maximum loan term is 25 years. The largest amount you can borrow from a lender is RUB 30 million.

The fee for using a loan depends on its type, so the range of rates is as follows: 8.70-12.70% per year or more. However, you need to be careful when studying Promsvyazbank’s loan programs, since low interest rates are charged to salary clients. Also, the amount of the fee for using credit funds depends on which bank partners you will buy an apartment from.

Such conditions apply to insurance and a down payment of at least 20% of the cost of the property. You can get a mortgage without any commission. Early repayment is allowed. For those people who do not want to limit themselves to the options offered by the bank’s partners, they can take out a targeted collateral loan and buy any apartment or private house with a plot of land both on the primary and secondary markets.

Promsvyazbank also has a program that provides for the quick conclusion of a transaction with a minimum package of documents (without a certificate of employment and income) with the ability to record earnings from a personal business. For individuals intending to obtain a Secondary Market mortgage, the lender provides legal assistance, assists in organizing a purchase and sale transaction, etc.

Property and client insurance is carried out in the amount of 1% of the loan amount. Insurance is paid on the day you decide to take out a mortgage. It will need to be renewed annually. The requirements for the borrower are:

• Russian citizenship and permanent registration in the area where the banking unit is located;
• age 21-65 years;
• permanent income, work experience of at least 1 year (in some cases from 2 years);
• 2 valid phone numbers (one is work, the other is mobile);
• documents - application form, passport, SNILS, certificate of marital status, document indicating work activity and solvency.

How to get a mortgage at Sberbank

Product Description

At Sberbank, mortgage lending is provided to individuals and legal entities with Russian citizenship, whose age at the time of application exceeds 21 years, and at the time of repayment - no more than 75 years. The borrower must have a total work experience of 5 years, and at least six months at the last place of work. But if you are a salary client, this condition will not apply. When the amount approved by the bank is not enough, it is allowed to attract co-borrowers (from 1 to 3 people, for a young family this number can reach 6 people).

Their income is also taken into account. To apply for a mortgage, you must present documents: application form, passport + one of your choice. You will also need certificates confirming your income and work. If the loan is taken out with collateral, you will additionally have to provide documents on the collateral. A mortgage at Sberbank is given in the place where the borrower or co-borrower is registered, or in the region in which the property being financed is located.

The largest loan amount is 30 million rubles. The loan term can range from 20 to 30 years. The down payment varies from 10-25% or more. The rates are different. Mortgages for young families in Moscow are issued on preferential terms - from 5% per year. If you want to take out a mortgage to purchase a new apartment, you should pay at least 7.30% every year.

If the borrower needs to get a loan to build a summer house or house, the deposit will be 25% or more, interest will be from 9.50% per annum, and the minimum amount of loan funds will be 300 thousand rubles. Sberbank allows the client to independently choose the payment date and change it once a year. You can get a mortgage if:

• fill out an application and provide a package of documents;
• wait for an answer. The application is reviewed within 2-5 days. If the verdict is favorable, the bank will request documents on the property;
• sign all loan documentation;
• undergo state registration.

At what percentage can you get a mortgage for an apartment at Rosselkhozbank

Product Description

RSHB gives you the opportunity to buy: an apartment, a dacha, a private house, apartments in the city, and purchase land for housing construction. Each category of client (salary, “reliable”, employee of a budgetary enterprise) has its own lending conditions.

If the goal is to purchase an apartment (primary market), and the loan amount does not exceed 3 million rubles, depending on the status, the borrower will have to pay 9.75-10% per year. When it is necessary to obtain a mortgage for the purchase of housing (secondary market) over 3 million rubles, the cost will be the same. But in other cases, the interest rates are different; the bank has a whole tariff schedule. This information must be verified on the lender's website.

Mortgages with state support for families with children are provided at 4.70% per annum or more for the purchase of an apartment from a developer or for a property under construction. A couple who had/will have a second or third child from January 2018 to December 2022 can apply for a loan. Like previous lenders, Rosselkhozbank issues loans for a maximum of 30 years.

When buying housing in a multi-storey building under a purchase and sale/shared construction agreement, the borrower will be forced to pay 15%. The same applies to the purchase of a townhouse or land. If a bank client needs to take out a mortgage for a private house with a plot, the down payment will be at least 25%, and the purchase of apartments requires the payment of a 30% deposit. Property insurance is mandatory.

The borrower is a Russian citizen over the age of 21. The upper age limit is 75 years, provided that the elderly person attracts a co-borrower no older than 65. Registration must be on the territory of the Russian Federation at the place of residence/stay. If the client does not run a private household plot, his work experience cannot be less than six months (from the last place of work) and 12 months (total). The list of documents is standard.

Is it possible to get a mortgage for housing under construction at URALSIB?

Product Description

To become the owner of an individual residential building or apartment, you can contact URALSIB. This bank presents to our attention no less than 7 mortgage programs, including refinancing. Of course, clients of URALSIB partners have more attractive conditions. For housing under construction, he set a rate of 9.20% per year. Taking out a loan for a property that is just under construction is as easy as getting a mortgage for an apartment.

First, you select the required object and decide on the loan terms that will suit you. Then you submit an application, the response to which arrives on average within 3 days. Next, you should conclude an agreement with the bank and, ultimately, receive a certificate of ownership. The borrower is credited for 3-30 years. You can get a mortgage for an amount from 300 thousand to 50 million rubles, the final amount is determined based on the client’s income level.

The minimum initial payment is from 10%. The most expensive is a loan issued for any purpose secured by an apartment. For it you have to pay from 11.25% per annum. The family is invited to apply for a mortgage under a special program, which is valid if the spouses have 3 minor children. Then the deposit will be 20% of the property price.

The purchased object will become the collateral. URALSIB also has a mortgage based on 2 documents: a passport, a driver’s license (they can be replaced with a foreign passport, SNILS, INN). The size of the initial deposit will be at least 40%, and for all clients, regardless of category. Such conditions apply to the purchase of a new apartment (primary market).

Requirements for the borrower: Russian citizenship, age between 18-70 years. The length of service must exceed 3 months, and the existence of the company in which the person works must be more than a year. URALSIB also offers insurance products.

On a note

The most difficult thing to obtain a mortgage for is private entrepreneurs and individuals who receive salaries “in an envelope.” The ideal borrower is considered to be a person with an impeccable credit history, who has enough earnings to fulfill debt obligations, and whose financial discipline is easy to assess. This is a man of 30-35 years old, with a family, children, higher education and working as a mid-level manager or specialist.

At the same time, the loan amount that he requests from the bank varies in the range of 2-3 million rubles. The amount of own funds intended for payment as a down payment is about 20-30% of the value of the property. But individual entrepreneurs and people belonging to other categories of clients can also get a mortgage. It’s just that in their case they will have to provide the lender with a larger package of documents.

3 best banks where you can get a loan without a down payment

Responsible for current loan terms, text editing and graphic design: Alexander Ovcharenko

Online mortgage is a relevant service for Moscow residents. A large number of banks are concentrated in the capital, so it is physically impossible to travel around them on your own and study the lending conditions. Therefore, it is necessary to use specialized services to obtain up-to-date information about the possibility of studying, without a down payment, using maternity capital or on other conditions.

How to apply for a mortgage to all banks in Moscow?

It's easy to apply for a mortgage in Moscow online. It is enough to do the following:

1. select a city;
2. indicate the required amount and loan term;
3. click on the “Select” button;
4. choose a program under which you can get a loan on the most favorable terms.

All banks accept mortgage applications using the form on our website. You just need to fill in the information in accordance with the wording. Within a few minutes, bank employees will call you back to ask a few additional questions. Based on the results of the telephone interview, it will be clear whether it is possible in a particular case at the selected bank.

Requirements for applying for a mortgage in Moscow

An online mortgage application is subject to certain requirements. Usually they are as follows:

• citizenship of the Russian Federation;
• age from 21 to 65 years;
• presence of an official source of income;
• permanent registration in the region where the loan was issued;
• At least 6 months of work experience at last place of employment.

However, some banks may tighten them. In particular, sometimes an additional 5 years of total experience is required.

Advantages of online application for a mortgage in Moscow

An online application for a mortgage loan in Moscow allows you to get several advantages at once, namely:

• no need to contact the service office in person;
• obtaining complete information about the state of the credit market;
• the ability to use a mortgage calculator to calculate the approximate cost of the loan;
• the ability to contact several banks at once.

You must understand that using our website will allow you to get approximate costs for repaying your debt. However, the client will have the exact information when signing the contract, since everything is calculated individually.

Online application for a mortgage in Moscow is a new level of service for many financial institutions, which has been developed thanks to the introduction of IT technologies. Today, there is no need to obtain prior approval from the lender by personally visiting bank branches if you apply for a mortgage online in Moscow. A list of reputable companies offering clients consideration of applications via the Internet has been created on the website page.

Advantages of applying for a mortgage online in Moscow

Among the advantages of this treatment option:

• 24/7 operation of banking websites: you can send an application at any time of the day. Your profile from the website page will be processed out of turn;
• sending an application can be done from anywhere: the need to urgently receive funds may arise outside the home, so the opportunity to contact a lending bank via the Internet is beneficial (if we are talking about a promotional mortgage offer) and convenient;
• access to a large amount of information. When you receive a response to your application in personal communication with the lender, you can clarify questions about the loan and the possibility of obtaining a mortgage without a down payment;
• online application for a mortgage to all banks - a 100% guarantee of concluding a successful agreement in the shortest possible time at the nearest branch.

To submit an application for the provision, just click the “Application” button in the line with the selected agreement or fill out the questionnaire form on a special page.

The legislation of the Russian Federation does not establish a uniform procedure for processing mortgage loans. (No. 102) regulates the relationship between the lender and the borrower in the legal field.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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As part of the regulatory act, mortgage documents (agreement, mortgage) must be drawn up and registered, and the procedure for issuing a loan is formed by the bank independently.

Most financial lending institutions develop various home loan programs, which differ:

• conditions;
• requirements for the client;
• interest rates and other aspects.

Depending on the bank and type of loan, each business entity sets the rules for applying for a loan.

In addition, documents for the property, certificates of the client’s income, etc. are attached to the application.

Program selection

Depending on the possibilities, each potential borrower tries to choose a bank that offers optimal conditions.

The choice of a credit institution depends on:

• for using a loan;
• the required amount;
• term and other parameters.

The set of conditions is the criterion for choosing a program.

When choosing a banking institution, the borrower must study the requirements that the organization imposes on the client’s financial condition, age restrictions and other criteria.

In addition, not every bank lends real estate if it is not located in the locality where the borrower is registered.

Depending on the client’s condition, changes in the interest rate, down payment and other lending conditions may be expected, which also must be taken into account when choosing a mortgage program.

Application for a mortgage

Any lending process begins with consideration of an application from a client. Taking out a mortgage loan from most banks is a complex process and therefore requires careful preparation.

To reduce the time for processing applications, organizations conduct a survey of their clients, and the data obtained is subsequently compared with the documents provided to the bank.

The form is generated directly by the banking institution and is an application form with a request to issue credit funds for the purchase of housing:

• the mortgage application is submitted to the manager and can be made both in written and electronic form;
• Currently, in order to expand services, most banks accept applications through official websites.

No errors are allowed in the document, and all data must match the originals.

• real persons, if it is planned to involve co-borrowers in the loan;
• current phone numbers;
• other relevant information.

Violation of these parameters may result in automatic denial and re-examination at that institution will become virtually impossible.

In VTB 24

The credit institution has implemented a loan calculator on its website, thanks to which it is highly likely that you can calculate payments for servicing a loan and make a choice of the appropriate conditions.

Mortgage applications are accepted at all branches.

The interactive application form contains:

• date of birth;
• Mobile phone number;
• E-mail address;
• information about citizenship;
• employer information;
• purpose and amount of lending;
• passport ID.

After sending the electronic document, a bank employee contacts the applicant to clarify the data and clarify other issues.

The bank makes a decision within 2 business days, and communicates the result via SMS notification.

In Sberbank

Accepts applications in the form of questionnaires only at bank branches throughout the country.

To register you need:

• print the form from the website or fill it out directly in the office;
• collect a package of documents and submit for consideration.

The bank does not strictly determine the review period, but if the decision is positive, it offers the client to collect the next package of documents. This set should include title papers for the selected property.

When agreeing on the purchased housing, a security agreement or a mortgage agreement is concluded with the bank, and the housing is insured. After these procedures, money is issued and property is registered.

At Rosselkhozbank

On the organization’s website, the application is formal and includes a minimum of data:

• a branch that will be convenient for the client to physically visit;
• the loan amount and the period for which the borrower wishes to receive funds;
• telephone and email address (optional);
• client's date of birth.

The application at Rosselkhozbank is considered within 5 working days.

Gazprombank

The organization accepts applications in all branches. The document is submitted in the form of a questionnaire.

There are two options for submitting an application on the bank’s website:

• express questionnaire;
• detailed.

Unlike competitors, the organization accepts not only applications, but also scanned copies of all documents necessary for consideration.

The express version contains a minimum of information. Its purpose is to provide the bank with initial information for further negotiations. The full application form contains maximum data and is filled out on 9 pages on the Internet.

Online

Currently, using interactive services, it is possible to submit documents for a mortgage to any bank.

Online applications not only save time, but also allow the borrower to understand the bank’s requirements and prepare documents more carefully.

Since it is most efficient to submit documents to different banks, using the Internet allows you to avoid wasting time visiting each institution.

To all banks

Sending applications to various banks requires visiting the website of each institution. Search the interactive office for the required section and another series of manipulations.

To simplify this procedure, projects have been implemented online that allow you to fill out one form and simultaneously submit applications to different banks.

This service simulates work and is very convenient for many clients.

Required documents

Regardless of how the application was sent to the bank, to apply for a loan you must prepare a package of documents in traditional (paper) form.

These include:

1. The applicant's passport or other identification document.
2. Certificates, contracts and other documents confirming the amount of income.
3. Certificate of ownership of the purchased object.
4. Identity cards of the spouse, co-borrowers, if such persons will participate in the transaction.
5. Valuation report for housing.
6. Other documents included in the list from the creditor bank.

Review period