For processing the loan you need the following documents:
- Information about income from employer stating position and seniority.
- Also, a mandatory certificate of income 2-PIT.
- In addition, to confirm its viability, in the case of large loans, it is desirable to produce photocopies of documents confirming the ownership of real estate in the country of residence, participation in ownership of enterprises.
- The contract - the sale of land (if you want to get a loan for the construction of houses).
- delays in obtaining credit 1 - 2 weeks.
Expenditures at the opening of a mortgage loan:
- Fees for opening a credit account for 1% to 1,5% of the loan amount.
- Contents of current account for about 5 euros per month.
- Property appraisal necessary for the calculation to give mortgages, is about 0,1%.
- Notary fees (depending on the value of real estate).
- Costs of documented, approximately 0,5%.
If desired, you can prepay the loan. To do this you need to pay the bank 0.5 - 1% of the amount of early repayment. Payment of the amount and the closing of the mortgage is issued by a notary and recorded.