How to phase out to buy an apartment in the mortgage?

Today, when the square meters continually growing, and our salary, "marking time" in place, the only way to buy an apartment is the mortgage. True, many do not know where to start. We have compiled a step by step "action plan". Our mortgage begins with the Internet. Read it, consider all the proposed mortgage programs, click bank stability. You can also use the services of a mortgage broker. Document defines the terms, go to the bank, but there you'll need: • profile of the bank issuing the loan • apply for a mortgage • Original and photocopy of passport • Copy of marriage certificate or divorce • the original and a copy of the certificate of registration the place of residence (if available) • a copy of the Taxpayer • copy of insurance certificate of the state pension insurance • a copy of employment record and the employment contract (both of which should assure the employer) • copy of the education • Reference Form 2-PIT Choice After the bank has consented to the issuance of the loan is the flats and on its evaluation. Banks put forward a variety of requirements for the acquiree housing, so often at this stage requires a specialist - realtor. Selection and assessment takes an average of one to four weeks. The final stage of the deal - the purchase and sale. Here are preparing the following documents: • a contract of sale • mortgage and credit insurance contract • Housing and the borrower.