Required Documents

List of documents submitted by customers to receive a mortgage loan
(information of a potential Borrower / Co-borrower / Guarantor)

Mandatory documents:

Customer’s main documents:

1. Loan Application.
2. Passport (copies of all pages).
3. Military card (if the borrower is younger than 27 and has no joint borrower or guarantor).
4. Documents of education (diplomas, certificates).
5. INN certificate (if any).
6. Marriage articles (if any).

Documents confirming employment and income:

1. Copy of the employment record book (to provide only copies of filled in pages certified by the signature of the authorized person and stamp of the employer of the Borrower, whose income is taken into account when calculating Borrower’s solvency).
2. Form of proof of employment (primary employment, additional employment — if any) confirming income amount for the last 6 calendar months (form No 2-NDFL or certificate executed according to the Bank form).
3. Documents confirming other regular income (insurance payments, rent, interest on the deposit etc.).

Documents confirming assets of the Borrower / Co-borrower for the date the documents are submitted (if any):

1. Documents of title confirming ownership for real estate and expensive property (apartment, dacha, house, land lot, car etc.), and their copies.
2. Statements of bank current and deposit accounts, accounts opened to show and record transactions committed using bank cards certified by the banks that issued them.
3. Documents confirming ownership for securities (extracts from share registers) and their copies.
4. In case of ownership for shares (stock, interests in authorized capital) of any commercial entity, it is necessary to additionally submit copies of the articles of association certified by the company’s seal.

Documents submitted at the Borrower’s discretion:
To confirm additional income:

• Copy of the income declaration for the reporting period certified by the tax inspection (if any) .
• Copies of labour contracts and agreements (if any) certified by the Borrower’s employer.

Documents submitted by the Joint Borrower / Guarantor in case, if their income is not taken into account when calculating Borrower’s solvency:

1. Loan Application.
2. Passport (copies of all pages).
3. Copy of the employment record book (to provide only copies of filled in pages certified by the signature of the authorized person and stamp of the employer of the Borrower / Guarantor).
4. Documents of education (diplomas, certificates).
5. INN certificate (if any).

List of documents submitted by legal entities for legal capacity assessment

1. Constituent documents (by-laws, articles of incorporation);
2. Certificate of registration of the legal entity;
3. Certificates of amending constituent documents (if any);
4. Certificate of legal entity entry in the Unified State Register of Legal Entities;
5. Certificate of registration with a tax authority;
6. Minutes of the general meeting of entity members or founder’s decision of appointing / electing the executive body of the legal entity;
7. Extract from the Unified State Register of Legal Entities;
8. Copy of the signature card certified by the servicing bank;
9. Minutes / decision of transaction approval (if any);
10. Form/ letter confirming that the committed transaction is not a major transaction (if any);
11. Letter of attorney for a representative of the legal entity committing a transaction on behalf of the legal entity.

List of documents submitted by legal entities for financial standing assessment

1. Balance sheet and income statement stamped by the Federal Tax Service of Russia for the last reporting date and for the last reporting period;
2. Certificates of servicing banks of average monthly turnover on accounts for the last 2 quarters, card register and loan debt.