Documents for obtaining a mortgage at VTB24

To quickly arrange a mortgage, it is important to correctly form the required package of documents. Any mistake made at this stage can significantly delay the process and lead to losses and unreasonable refusal on the part of the bank. The answer to the question of what documents are required for a mortgage at VTB24 interests many Russians - this is one of the largest financial organizations that provide loans for the purchase of housing.

Bankers require a potential borrower to submit certain documents in order to make a forecast regarding his solvency, as well as to identify the risks of non-payment. Depending on the type of home loan proposed for issuance, the package of papers may be different. We will briefly list what documents are needed to obtain a mortgage at VTB24, and also indicate the requirements for their registration:

and other documents proving the identity of the recipient of the loan. Their photocopies must contain all pages without exception, even blank ones.
... You need to submit only a copy of a photocopy certified by the employer, on which it is noted that the borrower is still working there.
Help 2-NDFL. This document should be submitted in case of receiving an official salary.
... Here you need to make a breakdown by month. You can compose it in any form, but we recommend that you submit it. This will ensure that all the information you want is displayed. If your position obliges you to sign the document with your own hand, you should additionally submit copies previously certified by the round seal of the company. The certificate must reflect information about income received during the past months of the current year and for the entire past calendar year.

The package provided by the guarantors includes the same documents as those of the borrowers.

For employees

A citizen of the Russian Federation who is employed must prepare the following documents for a mortgage at VTB24:

a photocopy of the passport upon presentation of the original;
a photocopy of the work record certified at the place of employment. A photocopy of the employment contract will also not be superfluous;
certificate 2-NDFL. At the discretion of the employer, it is also allowed to issue a certificate of income received in free form. You should attach the tax return for the previous reporting period to the documents. It must be marked by the tax office;
... He must be represented by men under the age of twenty-seven;

From a foreign borrower, an employee of VTB24, in addition to the above list of mortgage documents, will require:

passport of a citizen of another country;
papers confirming the fact of legal stay in Russia;
documents that confirm the right to work in the Russian territory.

For businessmen

If you have your own business or have a stake in a business, you will need to submit a package that includes:

When special requirements are imposed on the type of activity of the borrower, it will be useful to know what documents are needed to apply for a mortgage at VTB24 in this case. For example, if production requires licensing, certificates, patents and, of course, licenses must be submitted.

If a loan for two documents

We are talking about the VTB24 program, called "Victory over formalities". Bankers promise that it will take no more than a day to make a decision on the issuance / non-issuance of a loan, and only two documents are required to formalize it.

If the client is willing to make a first installment of 40 percent of the cost of purchased square meters of housing, a similar package is also presented for other housing loan programs.

In reality, more papers will be required, although in fairness it should be said that their list is reduced. For example, there is no need for proof of employment, an income statement is also not required.

To obtain such a loan, you need to prepare:

An unexpired passport.
The second identity document: this can be either a copy of the driver's license.
A bank statement stating that sufficient funds have been placed on the borrower's account to pay an initial payment in the amount of at least 40% of the cost of housing.
Military ID. As in previous cases, it must be represented by male borrowers no older than 27 years.
and, in addition, the identity documents of the spouse. Of course, this requirement applies only to legally married borrowers.
A package of documents for the property to be purchased.
Borrower questionnaire.

Documents for the acquired property

It is the ignorance of what documents on real estate are needed for the VTB24 mortgage that is the main factor causing problems with obtaining funds. In principle, the responsibility for preparing such a package lies with the seller (or realtor), but information about what such documents are and what points should be reflected there will not hurt.

About ownership

Title deeds for the acquired real estate are documents that confirm the fact that the seller is in fact the owner of the real estate and is entitled to dispose of it and put it up for sale. It follows that he should deal with the preparation of copies of papers. Such documents can be:

Certificate of succession.
Act (certificate) of privatization.
Judgment.
, exchange, purchase / sale, etc.

Among the most "reliable" documents are item 3, as well as an extract from the USRR. The last paper confirms not only that the seller has the right to dispose of the property at his own discretion, but also that there are no restrictions and encumbrances on the object for sale. In case of doubt, bankers will definitely require such a statement. You can get it at Rosreestrei or MFC.

If the property is received by the seller as a gift or inherited, a certificate will be required stating that there is no debt on the property tax levied in this case.

Copy of cadastral passport

Copy of financial and personal account

The document contains the following characteristics of the dwelling:

a list of owners with the obligatory indication of documents of title;
a list of other persons currently living in the premises. For them, the basis of residence must be indicated - for example, temporary registration;
address;
the official name of the management company (or HOA);
area (residential and general);
available amenities (garbage chute, elevator, water supply - hot and cold, heating, etc.);
absence or presence of debt for the provided utilities.

A copy is issued in the EIRTs or in the accounting department of the company serving the property.

Real estate appraisal report

The bank itself orders and pays for such a report. You just need to remember that this document should be.

If there are minor owners

In this case, the seller must obtain permission from the territorial guardianship and trusteeship authority to sell real estate. The permit may contain a requirement to purchase other housing for the minor. Then, without providing the child with another living space, it will be impossible to sell the apartment.

If the above-mentioned requirement is present in the received permission, you will need copies of title documents for the living quarters acquired and transferred to the child's ownership. They will need to attach an extract from the house book.

If the seller is a legal entity

In this case, the package of documents for a mortgage at VTB24 Bank should include photocopies:

constituent documents (latest revisions);
certificate of state registration of a legal entity (OGRN);
certificate of registration of a legal entity with a tax authority (TIN);
an order (decree, decision) on the sale of real estate with the obligatory indication of the value of the object (approval of the transaction for the sale of real estate, if required in accordance with the constituent documents).

Only copies certified by the signature of an authorized employee and the seal of the company are accepted for consideration.

For the company representative making the transaction, a document confirming his authority will also be required. If the operation is carried out by the manager, he must have a copy of the order on the appointment to the position held. Another person is entitled to execute a transaction only if he has a power of attorney. In both cases, a copy of the passport of the executor of the purchase / sale procedure will be required.

Additional documents

The above is the required minimum of documents for obtaining a mortgage at VTB24 in 2017. At the same time, the total loan amount can be adjusted in a more favorable direction for the borrower. To do this, he must submit the following papers:

a bank statement stating that it has monetary assets;
documents confirming that he owns real estate and other expensive property;
documents confirming the existence of additional income (certificate of the amount of the allowance, an agreement for the provision of an apartment for rent, etc.).

In conclusion, it must be said that in order to obtain a mortgage loan, in some cases, VTB24 employees may also request some other documents.