You will need
- - application form for a loan;
- - passport;
- help 2-NDFL;
- - employment history;
- - other documents requested by the Bank.
Standard package of documents for the loan includes a passport, an income certificate and service book. Initially, the credit officer verifies all the information given in the application form and the information contained in the documents. All the data in the documents must match. In the case of discrepancies and inconsistencies, the questionnaire returned for recycling, or the Bank just denies the loan.
Also, the Bank officer checks the passport photo with the person who is planning to get a loan. If the loan is used a forged passport, such client, the Bank will make the black list.
Each Bank has its own requirements to borrowers. Often they limit the minimum and maximum age for getting the loan, put the terms about the need to register in the region where the Bank is present, and also specify the minimum acceptable level of wages and seniority at the last place of work. Therefore, the analysis of documents, personal data of the borrower maps for compliance with the requirements of the Bank.
Help 2-personal income tax is the main document that confirms the existence of income and their compliance to the established level. It is checked from the point of view of the proper filling in all fields, matching the unified form, the stamp of the organization. To know about the authenticity of the information and the reliability of the information in it, the Bank can only those borrowers, who are its payroll clients. In this case, the Bank knows the amount of their monthly income to the current account. But check out the 2-NDFL statement of compliance in the tax credit inspector can not. This information refers to the number of confidential and the tax has no right to keep it. Therefore, many banks are cunning and request additional documents confirming solvency of the borrower. This can be a passport with a mark about departure abroad for the last six months Bank statement of current account in another Bank; documents confirming the right of ownership on an expensive property.
Especially carefully checked employment history of the borrower. On its basis calculated the total seniority of an employee and while working in last place (most banks are required to experience at the same place for at least six months). The Bank's experts look at the problematic cases of layoffs (not by choice) and on how often the borrower changes jobs.
Often, banks to check the authenticity of the information contained in the documents, please call the work place and clarify the employee's seniority, his General characteristics at the place of work and wages. When large amounts of lending specialists can even go in the place of work of the borrower.
In mortgage lending banks checks for the down payment, and also analyzed the collateral. So, many banks do not give loans for the purchase of a share in the apartment, rooms, apartments in the old Fund. Deny a loan for the purchase of housing with relatives, because such transactions are considered bogus. Also in the mortgage and often in the issuance of loans requested additional documents of the developer or confirming that the dealership is an authorized dealer.
Banks are more loyal to borrowers with higher education. Therefore, they often request a copy of the diploma. Also higher the chance of getting a loan married borrowers. Marital status confirmed by marriage certificate.