How to get a loan secured by an apartment
You will need
- The package of documents required by the bank to issue a loan.
Find a suitable program. Today in the market there are many different proposals for lending. They differ in terms of interest rates, the package of documents required for obtaining a loan, the timing, the presence of a moratorium on early repayment and other conditions. Among this variety, the borrower needs to select those programs that are suitable for him. If you cannot do this on your own, you can contact a credit broker who will independently choose the most optimal options in each specific case.
Apply for a loan. This can be done in two ways - fill out an application for a loan in a bank or on its official website. In the first case, you will have to come to the bank and, possibly, stand in line. In the second case, you need only 5-10 minutes to complete the application.To do this, go to the website of the credit institution and find there a link to the application. As a rule, it is located on the main page.
Wait for the decision of the bank. The term of a decision can be from 15 minutes to several weeks, it all depends on the conditions of a particular bank. Employees of the credit institution will contact you at the specified contacts and inform about the decision. However, you can call the bank yourself and clarify whether a decision has been made on your application.
Collect a package of necessary documents. A prerequisite is a passport, a second identity document, and evidence of ownership of the apartment being pledged. In addition, the bank may require the provision of marriage and child birth certificates, income certificates and other documents.
Sign a contract with the bank. Carefully read all clauses of the contract and only after that sign the document.
Take away the money. After you have settled all the formalities with the bank, you will be able to withdraw money from the bank.
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