Buying an apartment: what documents are needed?

Each of us, reaching a certain stage in thelife, dreams of owning a home. Any purchase of real estate requires qualitative preparation of the necessary documents. This is not an easy task, since the number of required papers reaches several tens. Lack of necessary knowledge in the collection of documents for purchase, can result not only in the loss of their savings, but also in spent nerves and, often, in protracted litigation.

List of documents for the purchase of an apartment inproperty has a standard list, so that each person can implement their training. However, if you are not confident in your abilities, or for some reason are not able to do this yourself, then contact real estate professionals.

We collect a package of documents for the purchase of housing

When there is an apartment purchase, whichDo you need documents? Actual issue for many owners. If the buyer has the necessary amount to purchase an apartment, the list of documents is greatly simplified. Do not forget that documents when buying an apartment for cash may be radically different from buying a mortgage. You will need:

Passport or any other document that can verify the identity of the buyer of the apartment;
It is also necessary to have a marriage certificate, if any;
Written consent of one of the spouses, certified by a notary to purchase an apartment in the property.

Required documents for the purchase of an apartment inmortgage require special attention when they are collected. The list of necessary documents is considerable and sometimes can consist of several paragraphs from 5 to 20. It often turns out that when you read the list it turns out that more than half of the documents are in your hands. It is only necessary to remove photocopies from them.

What documents for the purchase of an apartment in a mortgage should be prepared:

copies of passport pages, all without exception, the borrower / co-borrower;
a copy of the marriage certificate or its termination;
copies of the certificate of minor children or copies of passports of children who turned 14;
copies of the insurance certificate of compulsory pension insurance, it is necessary to execute from two sides;
copies of TIN;
for men under 27 years, a copy of the military ticket is required;
copies of documents on the existing education;
a copy of the employment record;
application for loan funds;
a copy of the certificate of absence of debts for utility bills;
customer's questionnaire, it can be received at the bank, it is advisable to take a few copies;
the original of the certificate on the composition of the family and registration;
a copy of the driver's license or a certificate that you are not being seen in the psychoneurological dispensary;
consent of one of the spouses to transfer property on bail, in writing and notarized.
a certificate of available loans, copies of loan agreements, certificates of ship debts, a schedule of payments;
a certificate of your income, for the last 6 -12 months in the form of 2NDFL.

Depending on the conditions of the bank, the list can beor supplemented, or vice versa, some documents may not be required at all. All the documents collected, you need to carefully prepare and decompose the files and folders. It will be even better if you scan all documents in advance and will carry with you in electronic form, which will save your time and accelerate the moment of the transaction.