Registration of mortgage

Registration mortgage homes or apartments

To formalize mortgage house or apartment should submit to the selected bank applied for the mortgage and all necessary documents for the mortgage, most of which has a standard form. The adoption of the bank decision to grant the loan can take anywhere from several days to several weeks. Some banks offer mortgage service «Express — mortgage,» where a decision on issuing credit was adopted for a few hours. If the application is banking credit commissions, you can move on to choosing a house or apartment.

For some time Bank (several months) the borrower must find a suitable apartment (or house), that suits the requirements for housing mortgage made by creditor banks. According to the chosen apartment (home) should collect documents that are required for the transaction of sale, as well as assessment of housing. Approximate list of these documents follows:

• Title documents in selected housing;
• Passport to housing with its plan;
• Certificate of registration (Form 9) and characteristics of the dwelling (Form 7);
• Notice on the absence of debt to pay for housing and utility payments;
• Extract from the Unified State Register of rights (on the subject of housing rights, title documents, the lack of encumbrances on the flat);
• Permission of care and guardianship to the exclusion of apartment (in the presence of minors owners of flats, apartments or encumbrances rights of minors).

Assessment of housing — a compulsory stage of processing home mortgage or apartment. It’s connected with the restriction of the loan, which could provide the bank — is no more than 80-100% appraised value of housing. It was appraised value rather than market (that which can request the seller).

Insurance shelter — also necessary stage mortgages . Dates mortgage lending in a house or apartment very long, so the bank requires guarantees in the form of compulsory insurance risk borrower disability, loss of the right to housing or property damage.

After checking the bank selected the borrower apartments or houses, as well as their assessment and insurance, the stage is the conclusion of the contract mortgage lending . In most mortgage banks of the mortgage contract is not subject to change, and the borrower should be consulted beforehand with her that later did not have to abandon the credit, if any terms of the contract would be unacceptable. You can do the same option, when instead of a separate contract mortgage flats between the seller and the buyer (borrower credit) is a sales contract drawn up in such a way that mortgage arises from the force of law. Along with contract mortgage you may need to mortgage. This is precisely securities, indicating the creditor the right to receive the execution of monetary obligation secured mortgage , without other evidence of this commitment.

Typically, to make mortgage house or apartment, requires the involvement of a notary.

Completed registration home mortgage (apartment) state registration documents in the judiciary.

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Sunday, 27 July 2008 (18:15)

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Sunday, 27 July 2008 (18:17)

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Sunday, 27 July 2008 (18:18)

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Sunday, 27 July 2008 (18:20)

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