Mortgage - business thin
you got approval of bank on delivery of a mortgage loan, and at last, the confidence that acquisition of the apartment will take place soon appeared? It is possible to tell that you only at the beginning of a way. Important part of the program of further actions is collecting documents.are important
of Paper in any transaction with real estate and especially when it is about a mortgage. In this case the apartment for the period of payment of the credit remains in pledge at bank, and not only the buyer of the apartment, but also bank risks. And therefore will check all documents and bank, both insurance company, and the appraiser. And if representatives of these structures have doubts in correctness of paperwork or in legal purity of the chosen apartment, you should start everything anew.the Standard package of documents for the transaction in the secondary market includes
- the document confirming property of the seller on the real estate (the contract of purchase and sale, the certificate on property or other title document) sold to them;
- certificate of BTI of apartment cost, explication and floor-by-floor plan;
- copy of financial personal account;
- the certificate of absence of debt on utility payments;
- the copy of the passport of the seller (ov) - all pages; to
- the reference from the tax inspection of absence of debt on payment of a tax on inheritance or donation (if the apartment bought by you devolved to the seller or to it it was presented);
- of the copy of marriage certficates or divorce of both the seller, and the buyer (if there are bases);
- the spouse`s consent (if the apartment was bought in marriage);
- permission of agencies of guardianship and guardianship concerning eviction from the acquired apartment of minor children and others incapacitated or restrictedly capable persons. the bank will demand
- At a mortgage additional documents:
- an expanded (archival) extract from the house register;
- an extract from the Unified State Register of Rights on real estate (EGRP) about the records existing there concerning the studied object;
- of the reference from agencies of guardianship and guardianship that none of sellers of the apartment are under guardianship;
- of the reference from psychoneurological and narcological clinics (whether the seller or his members of household on the account in this establishment consists).
. For example, if the seller of the apartment - the pensioner, he has to provide the certificate of what it has where to live.Expenses and efforts on preparation of the apartment for sale are, as a rule, assigned by
to the seller. However it can serve as a bargaining subject, a loyalty step in relation to the seller from the buyer who can pay registration of necessary papers.
Having received a package of documents on hands, estimate it. Collected documents can show unacceptability of this apartment for bank, and you will independently see it if pay attention - whether information contains in the provided documents:
- about violation of the rights of children at privatization or the subsequent transactions with the apartment,
- about any transactions with the apartment between close relatives,
- about sale or donation of the apartment by proxy from the owner, etc.