As a loan to buy real estate in Bulgaria

Recently, there were many willing to buy property in Bulgaria with the help of a loan. Citizens of Russia can obtain credit to purchase almost all of the Bulgarian bank.

The following features in obtaining credit Russian citizens:

     * The size of the loan depends on the policy of the bank - usually Bulgarian banks to release loans for the purchase of housing up to 200 000
     * Interest on the loan is moving in the range of 6.25% to 9.9%
     * Maksilany percent financing for the purchase - 65% -80%
     * Terms of loan repayment different - the maximum term of repayment from 15 to 30 years
     * The provision of credit - mortgages
     * Repayment of the loan - a deposit of $ 12 contributions per year. In a deposit on and interest on the principal amount

After selecting a bank customer must obtain prior approval, as a potential customer's bank.

After that, the buyer of real estate, must collect and submit all necessary documents in the original. Thus, the client proves its creditworthiness. After leaving the bank considers the documents and within 2-3 days of the filing gives a preliminary response.

Every Bulgarian bank gives its own set of documents. It is important to note that banks usually require that the documents were provided in the Bulgarian language.

The documents, which the customer must provide a loan to buy real estate in Bulgaria:

     * Form-application, which is issued in the bank
     * A copy of passport of the person receiving the loan kandidatstvuyuschego
     * Credit report - digital value based on the analysis of the credit report, which is used by lenders to predict the possibility of repayment kreditotrebovatelya
     * The tax declaration over the past year
     * Bank references - information obtained as a result of requests sent to the bank for a loan kandidatstvuyuschego regarding the financial condition of kreditotrebovatelya
     * Receipt of wages - back on salaries, wages proves that kreditotrebovatel received and how much was paid for taxes and insurance
     * Power of Attorney - a document that represents a person who will represent kreditotrebovatelya
     * A certificate of marriage if there is /
     * Help with job credit, signed dozhnostnym person and certified in accounting

Documents on the property:

     * The preliminary agreement on the purchase - a document that is a contract for the sale of real estate
     * The document on the property, which states a person is the owner of real estate
     * Document on "real gravity" - issued in the Agency on incomes in Bulgaria
     * The tax value of real estate - issued in the Tax Service of Bulgaria
     * The market price of real estate - real estate expert, issued on the recommendations of the Bank

Some Bulgarian banks require foreign kreditotrebovateley provide phone contact in case of problems during the processing of documents. Also, some banks require that a guarantor who will be responsible for loan repayment on the loan at the bank.