Список необходимых документов для получения ипотечного кредита

158
86
Telderi

spisok-neobkhodimykh-dokumentov-dlya-po

Ознакомимся со списком документов, необходимых для получения ипотечного кредитования. Сразу же стоит отметить, что всё оговаривается индивидуально и многие нюансы оформления ипотеки зависят от Вас (доход, семейное положение и так далее). Поэтому перед тем как начать собирать документы на кредитование, рекомендуем вначале проконсультироваться с кредитным инспектором Вашего банка.

Перечень основных документов

Итак, заёмщик должен предоставить в банк следующую документацию:

  • копию паспорта (либо заменяющий его документ);
  • копию страхового свидетельства пенсионного страхования;
  • копию свидетельства о рождении ребёнка (детей);
  • копию трудовой книжки, заверенной работодателем;
  • документ, подтверждающий ваши доходы;
  • копию документов об образовании (аттестат, диплом и т. п.);
  • копию свидетельства о браке (брачный контракт — если заключен);
  • копию свидетельства о том, что Вы стоите на учете в налоговом органе по месту жительства на территории РФ;
  • копию военного билета (для лиц мужского пола);
  • заявление на получение ипотечного кредита;
  • заполненная анкета банка.

Перечень дополнительных документов

Также имеется перечень дополнительных документов, которые могут быть запрошены для получения ипотеки:

  • справка о регистрации;
  • копии паспортов тех лиц, которые проживают совместно с Вами;
  • копии свидетельств о смерти (супругов, родителей и т. д.);
  • копии документов, которые подтверждают оплату квартплаты, телефонных и коммунальных услуг и т. п. за последний год;
  • документы, которые подтверждают наличие дорогостоящего имущества (автомобиль, земельные участки, дача и т. д.);
  • документы, которые подтверждают наличие счета в банке;
  • кредитные договоры (если имеются);
  • справка из наркологического диспансера и психоневрологического диспансера.

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