Please note that if the apartment is being sold by a family with children under the age of majority, they will have to provide permission to carry out the transaction from the guardianship authorities.
Citizens can also take out a mortgage for the construction of a house. In this case, the borrower provides:
a document confirming the right of ownership of a land plot and confirmation of the existence of grounds for the emergence of this right – for example, a deed of gift or a purchase and sale agreement;
cadastral plan of the site;
building permit;
extract from the Unified State Register of Real Estate;
contract with a construction company.
As a general rule, the set of documents must be submitted denmark mobile database within 120 days. However, banks can set time intervals on an individual basis.
What is needed to register property rights under a mortgage
After you have collected all the documents for the mortgage and completed the transaction, you need to register the property rights. This can be done by the bank or the borrower. The procedure involves providing the following documents:
statements from the parties to the transaction;
passports of applicants;
loan agreement from the bank;
contract of sale of residential premises;
receipt of payment of state duty.
After all procedures are completed, the apartment will be pledged to the bank until the mortgage loan is repaid. After the debt is repaid, the encumbrance must be removed. To do this, you must provide the following to the MFC:
statement;
a mortgage from the bank with confirmation of payment of the debt;
loan agreement;
passports of the owners of the purchased housing.
The set of documents must be submitted within 120 days from the date of debt repayment.
Sinara Bank offers favorable terms for mortgage loans for the purchase of housing in new buildings and on the secondary market. You can also get money for the construction of your own home or refinance an existing mortgage.
Minimum documents, rate from 4.6% per annum, term – up to 30 years, amount – up to 30 million rubles and the simplest registration! Find out the terms and leave an online application for a profitable mortgage loanHere.