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| Why is insurance needed? |
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The bank requires insurance of the borrower's life and loss of ability to work, the risk of losing the apartment (destruction and the like), and the case of the borrower losing title of ownership. If any of these situations occurs, the bank risks not getting the mortgage loan repaid. The bank requires insurance so that, if an insured event occurs, the insurance company bears the financial responsibility. |
| documents required to obtain a mortgage loan |
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Hello, could you please tell me what documents are needed to apply for a mortgage loan, whether a loan can be granted to a person from another city, i.e. without Novosibirsk registration, and whether guarantors are needed and what the requirements for borrowers and guarantors are. (Question from Natalya) Hello, Natalya! The list of documents required for a mortgage is as follows: - passport (copies of all pages); - pension insurance certificate (copy); - certificate of tax ID (INN) assignment (copy); - military ID for men under 27 (copies of all pages); - education documents: diplomas, certificates (copies); - copy of driving licence (if any); - copy of marriage certificate (if any); - copy of birth certificates of minor children (if any); - certified copy of the employment record book; - certificate from the employer of income for the last 6 months on form 2-NDFL or on the bank's own form (a sample of the bank's form is provided after the bank is chosen). The main requirements for the borrower (co-borrower) are: - age from 18 to 65; - registration in the Russian Federation (temporary registration is also accepted); - at least 6 months at the current job. A mortgage loan requires a down payment of at least 10% of the price of the chosen property. You can bring in 1 to 3 co-borrowers if your income is not enough for a certain loan amount. A co-borrower can be anyone, not necessarily a relative. |
| mortgage and civil partnership |
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Good afternoon! Let me try to put my question. 1. Can a couple who are not officially married take a mortgage on one apartment on the condition that each owns a 1/2 share (obviously why this is done... in case of a split, each partner should keep their own interests)?? 2. If one partner is ready to pay 50% of the apartment price as the down payment (the apartment costs 1,400 thousand roubles), can it be recorded somewhere in the contract that one of the co-borrowers paid their part? (Question from Dmitry) Hello, Dmitry! 1) Yes, you can register the apartment in 1/2 shares while in a civil partnership. The only point is that both must have official proof of income (a 2-NDFL certificate). 2) This cannot be recorded in the loan agreement. You can contact a notary, who can draw up an agreement on this matter. |
| mortgage for a private house |
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Good afternoon, Natalya! Does your agency arrange mortgages for private houses? Does the agency help with the search? We want to buy a house, please help with the calculation: combined income with my husband 45,000, 2-NDFL, children aged 6 and 18, a co-borrower with income of 20,000. I am 38, my husband is 41. Down payment 300,000. I would be grateful for a reply by email. Thank you. (Вопрос задает Инна) Hello, Inna! Yes, we can find you a mortgage program for buying a private house and also offer our own options. Based on your income you qualify for 1,450 thousand roubles for 15 years, with a monthly payment of 26,200 roubles. |
| mortgage secured by existing property |
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Good afternoon! Is it possible to get a mortgage by pledging a share in a three-room apartment? And also: do you apply a moratorium on early repayment of the mortgage? (Question from Irina) Hello, Irina! Unfortunately, the whole property must be pledged. The moratorium applies in any case |
| Maximum loan amount based on income |
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Hello! I would like to buy a house. Official income is 12,000 roubles, unofficial another 12 to 15 thousand roubles. Down payment 600 to 700 thousand roubles. Not married, no children. Higher education. What loan amount can I expect with monthly payments of up to 15 thousand roubles? (Question from Ekaterina) Hello, Ekaterina! The maximum loan for 15 years will be about 800 thousand roubles, with a monthly payment of 11,060 roubles. |