Welcome. Today we will analyze what you need in VTB 24 documents for mortgage. All financial institutions offer their customers several different mortgage loans programs at once. . VTB 24 Bank is no exception. To make a mortgage in this financial institution, it is necessary to present a specific package of documents. And which documents are needed for mortgage in VTB 24 ? Below is the entire list of securities that may be required to get a mortgage in VTB .
Mortgage - type of loan, which is provided secured by real estate. As an object of collateral, both an apartment or a private house and a land plot can appear.
Each bank independently establishes not only the conditions for the provision of borrowed funds, but also the requirements that are presented to borrowers. This fully applies to the list of those papers to collect the client when making a loan.
At the same time, for a separate category of citizens, individual conditions and requirements may be provided. But there are concrete papers, the presentation of which is always mandatory for all. The following documents can be attributed to the mandatory mortgage issues in VTB 24:
- passport of a citizen of the Russian Federation;
- the second document that certifies the personality of the borrower (for example, SNILS);
- certificate of income in accordance with the established form.
- Documents confirming employment.
At the same time, if a copy of the passport is provided, then you need to make photocopies of all pages, including empty. This is a mandatory requirement. In addition, it must be remembered that upon presentation of an application for a loan, the borrower provides its consent to the processing of personal data and to receive information on credit history from the Bureau. The presence of such a document is also mandatory for mortgage VTB 24.
In some cases, additional papers may be required. For example, if a male citizen is acting as a borrower, whose age does not exceed 27 years, then he will also have to provide a copy of his military ticket. If the borrower is married, then you need to provide a copy of the marriage certificate.
These are basic documents for registration and receipt of the mortgage in VTB 24. But for individual citizens there are other requirements.
For hired workers
If the applicant works on the basis of a concluded employment agreement, the list of documents for obtaining a mortgage in VTB 24 for it other than the main following:
- copy of the employment record;
- certificate of income size in form 2-nddfl or.
On the copy of the employment record, a mark should be raised that the applicant at the moment also works in a particular enterprise.
If the applicant receives its wages through the VTB24 bank card, then in this case it may not provide a certificate of its monthly income and employment documents. This data is available to the bank.
The servicemen and security forces working under the contract provide a certified copy of the last contract and the service life.
If there is one's own business
In practice, there are often cases when businessmen want to make a mortgage, especially individual entrepreneurs. In such a situation, a separate list of documents is provided for them. In particular, in addition to the main package in VTB 24, the mortgage may be framed, if present:
- an extract from the registry about registration as an IP or founder of the enterprise;
- tax Declaration for the last 12 months;
- certificate of tax accounting.
In some cases, the Bank's employees may inspect the enterprise and draw up an appropriate business conclusion that the borrower leads, and the level of its profitability. This document can play a decisive role when making a loan.
Documents on the apartment from the seller and buyer
These are papers related directly to acquired real estate. In particular, you need to present the following package of documents for real estate:
- certificate of ownership of the seller;
- grounds for acquiring ownership (as such documents may be a contract for the sale and sale of real estate, a donation agreement, inheritance certificate, etc.). These papers can be obtained in Rosreestre. To do this, it is enough to present an appropriate application and pay the state duty;
- the cadastral passport is a paper that reflects information about the property, including the inventory number, the purpose of the premises, etc. It can also be obtained in Rosreestra by presenting an appropriate application;
- an extract from the house book, which reflects information about registered in the apartment faces;
- a copy of the personal account, which contains information about the owners of this apartment and whether they have debt on the rent;
- seller's passport;
- assessment of an independent expert, which indicates the market and liquid value of the sold apartment.
This is the main list of documents for mortgage on the apartment, which are required by this banking institution. But in some cases additional documents may be required. For example, if the owners of the apartment are minor children, then in this case you should contact the relevant guardianship and guardianship authority to obtain a permit for the conclusion of the transaction. Without permission, in the future, the legitimacy and the legality of the sale of the apartment can be appealed in court.
If the seller is married, and the apartment was acquired during their life (i.e. is a common property object), in this case, the consent of the spouse is required to conclude a transaction. Without this paper, the legality of the concluded agreement can also be appealed in court.
Some features have a deal concluded with a legal entity. In particular, if a company or organization acts as a seller, then in this case it is necessary to have all the constituent documents, including the Company's charter. In addition, the required documentation also needs to be the decision of the authorized body of the enterprise for the sale of real estate and about the conclusion of a transaction with a specific buyer.
Documents for registration and obtaining ownership
After presenting to VTB 24 of the above documents for mortgage, the Bank considers them and takes an appropriate decision. If it is positive, then you can go to the final stage of the mortgage design. In particular, after approving the application of the borrower, the following agreements are concluded:
- mortgage lending agreement;
- treaty on buying and selling and pledge of real estate.
For state registration, it is necessary to present an appropriate statement to the authorized state authority. Together with the statement, it is also necessary to present an agreement on buying and selling and pledge, as well as pay the state duty by attaching the receipt of its payment to the application.
Consideration of the statement of state registration takes 5 working days. If everything was done correctly, the authorized state body takes a positive decision and carries out state registration of the ownership of the borrower. After that, he can pick up the property certificate. If mistakes were made by the borrower or an incomplete package of documents was presented, then in this case he will receive a refusal. After elimination of admitted flaws, you can get the state registration of your property right.
It is necessary to remember that until the full repayment of credit debt, the property will be considered a subject of security, and the new owner will not be able to manage them freely. And it is possible to sell or give it only if there is the consent of the bank.
If you have questions about mortgage documents, please write them in the comments. Immediately in all banks you can right on our website using a special service and do not bother with a hike to the bank.
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