| Retail Banking |
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Mortgage Loans
- Documents Required |
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| Documents
required for sanction: |
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| List of documents
necessary for submission to Bank for credit worthiness
and solvency assessment of the borrower/co-borrower* |
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Salaried Segment:
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| Documents,
confirming personality of borrower/co-borrower : |
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Copy of passport
of Borrower/Co-borrower (all pages) |
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Copy of military service
certificate of borrower/co-borrower |
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Copy of driving license
of borrower/co-borrower |
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| Documents,
confirming marital status of the borrower/co-borrower
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Copy (-ies)
of marriage/divorce certificates of borrower/co-borrower
(if applicable) |
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Copy (-ies) of birth certificates
of children of borrower/co-borrower (if applicable) |
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Copy of marriage contract
(if applicable) |
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| Documents,
confirming employment status and sources of income of
borrower/co-borrower : |
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Copy of work
book of borrower/co-borrower, certified by the employer |
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Copy of labor agreement
of borrower/co-borrower |
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Document, confirming income
(2NDFL or form of Bank) for current and previous year |
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Information about company,
and personal obligations within the company (free form) |
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Copy of tax declaration
of borrower/co-borrower for the previous tax period with
tax inspectorate mark |
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| Document,
confirming assets of borrower/co-borrower : |
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Copies of
legal documents confirming rights of ownership for the
immovables (apartment, cottage, garage, land, etc.) |
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Copies of documents, confirming
rights of ownership for movables (auto, motorcycle, yacht,
etc.) |
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Documents, confirming
possession of the accounts in Banks (account statements
for the six months period, copies of savings books, etc.)
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Documents, confirming
possession of the securities (extract from register of
securities owners) |
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| Documents,
confirming credit history/current liabilities of the borrower/co-borrower: |
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Copies of
credit agreements with account statement, document from
the bank that loan was repaid in full amount and in proper
time |
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Self-Employed Segment:
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| Documents
required from the owners of the business: |
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Copies of
foundation contract, copy of state registration certificate,
certified by the company's stamp
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A copy of financial documents
for current and previous year (balance, profit and loss
report) with tax authority stamp |
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Letter from the bank confirming
account opening and bank statements |
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Documents confirming credit
history of the company |
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Copies of the contracts
with the major customers (agents) |
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Bills, rent agreements,
titles of the property |
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Copies of licenses, certificates |
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| Documents
required from Individual entrepreneurs: |
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Copy of certificate
of registration of the entrepreneurs
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Copies of licenses, patents,
permissions for specific businesses |
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Tax return forms (with
tax authority stamp) for the following and previous year/
3-NDFL |
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Copy of book of revenues
and expanses |
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Copies of bills, rent
agreements, titles of the property |
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Documents required for disbursement: |
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Disbursement documents for Secondary Market Purchase and
Home Equity products: |
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Legal documents
on the apartment (e.g. certificate of ownership, agreement
on the basis of which the certificate was issued)
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A certificate of apartment
value with an explication and floor plan from the Bureau
of Technical Inventory |
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A copy of extract from
the house register |
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A copy of the financial
personal account of the seller |
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A copy of certificate
of absence of utility bills |
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A copy of certificate
of absence of tax debts for the apartments the ownership
on which was registered on the basis of inheritance or
gift certificates |
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Copy of Certificate from
Guardianship authorities (in case minor children are the
owners of the apartments, or the apartment is burdened
by the rights of user of minor children) |
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Copies of passports of
sellers of the apartment and third parties which are registered
in the apartment |
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Copies of documents, confirming
health condition of sellers (Psycho-neurological clinic
certificate, driving license) |
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Appraisal report |
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Disbursement documents for Loan Against Property: |
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Property valuation report
by technical agency |
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Cadastral Plan (i.e.
Map of the Land Plot) issued by Rosnedvizhimost (≤
1 year old) |
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Copy of the Ownership
Certificate or an extract from CSRRRD (indicating the
seller(s) as the present legal owner(s)) of the land plot
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Title documents on land
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A copy of certificate
of absence of tax debts for the land plot the ownership
of which was registered on the basis of inheritance or
gift certificates |
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*on the requirement of the Bank, depending on personal characteristics
of the Borrower/Co-borrower, the list of documents can be extended. |
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Retail Banking 
