Mortgages without income statements conditions. How to get a mortgage without proof of income. Which banks provide

In the absence of a permanent job, or in the case when the salary is “black”, the only way to take advantage of mortgage lending is mortgage without proof of income. However, it must be understood that by issuing mortgage without proof of income, the bank offers more stringent conditions than with conventional mortgage lending.

Who is eligible for a mortgage without income certificates

The most convenient way to get a loan without salary certificates is mortgage programs “according to two documents”. They are a loan product designed to speed up the submission and processing of a loan application, as well as to attract customers who are unable to provide income statements for various reasons. Therefore, the target audience of these programs is, firstly, people who need a loan urgently and do not have time to collect a large package of documents; secondly, citizens with a high level of income, which is difficult to document.

With rare exceptions, banks for a loan without income certificates require citizenship of the Russian Federation. The identity of the borrower is also assessed: his age, clean credit history in this bank. Moreover, the bank's requirements in this case will be more stringent than with a standard mortgage: for example, in Sberbank for a mortgage on 2 documents, the age limit for repaying a loan is 10 years less. Finally, the bank may try to verify the availability of income in informal ways.

What documents do you need to provide

The first and main document that all banks require is the borrower's passport. As for the second document, banks have different requirements here. Usually he either confirms the identity in addition to the passport (driver's license, certificate of compulsory pension insurance, international passport, military ID); or proves that the borrower has funds to pay the down payment (account statements, housing certificates, etc.).

However, you will have to confirm that you have the funds for the down payment in any case. If such confirmation is not indicated as a “second document”, the bank may decide on a loan application without it. Then the borrower is given some time to provide documentary evidence of the availability of money for the down payment.

Finally, after the approval of the application, within a few months, you need to bring documents to the bank for future collateral:

• copies of the certificate of ownership of the copyright holder, title document (contract for its acquisition, certificate of inheritance, etc.),
• cadastral passport;
• an extract from the unified state register of rights, issued no earlier than 30 days before the date of submission to the bank (proves the absence of encumbrances and the relevance of the submitted certificate of registration of the right);
• a preliminary agreement for the purchase by the borrower of a collateral object or a sale and purchase agreement with a deferred payment.

Conditions for granting a mortgage without income certificates

Due to the increased risk of issuing a mortgage loan without official confirmation of income, lending conditions for such programs are much more stringent compared to conventional mortgages. Moreover, the latter is becoming more and more liberal every year: rates are decreasing, the terms for returning money are increasing, etc.

Let's compare all the main parameters of standard lending with a mortgage loan without income certificates.

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Loan terms

Sufficiently small for a mortgage, the maximum loan term at Sberbank (30 years) is not reduced in the “under two documents” program. In the same banks, where the usual term is quite long (up to 50 years), in the case of lending under a simplified scheme, it is reduced to 20 years.

Down payment amount

Among loan offers without confirmation of income, you can find an initial payment in the amount of 30 to 50%. There are also restrictions on the maximum size: for example, with a small loan amount, you can pay no more than 65% as an initial payment.

Meanwhile, a standard mortgage today offers both options without a down payment, and with a down payment of 10-20%.

Interest rate

The average interest rate on mortgages in Russia for 2015-2016 fluctuates around 12-12.5% ​​(depending on the down payment and the liquidity of the acquired property). You can also find cheaper offers: for example, in the case of buying ready-made housing, the minimum interest rate is 11%.

As for mortgages without proof of income, here the rates will be higher. Some banks directly connect them with the rates applicable under other programs. So, in Sberbank, other things being equal, the loan rate for two documents will be 0.5% higher than the standard one. Many other banks simply set higher rates: in the region of 13-13.8%.

Maximum loan amount

Very often today there is a restriction on the maximum loan amount of 15 million rubles. For a mortgage without proof of income, it is reduced to 8 million rubles. True, Sberbank has shown some loyalty in this matter: for Moscow and St. Petersburg, the maximum loan amount is not reduced.

Thus, it is quite possible to get a mortgage without income certificates, provided that you have at least 30-35% of the money to buy an apartment and you are not embarrassed by the high monthly payment.

When looking for an interesting offer for a mortgage in banks, you can often come across the opportunity to get a loan by providing just one document. To apply, a copy of the passport and a completed application form are sufficient.

The peculiarity of such a mortgage is quite large down payment, which cannot be less than 35% of the cost of housing.

Typically, banks within the framework of such mortgage programs exclude the possibility of acquiring an apartment in a house under construction. An exception may be a new building from a construction partner of the bank. The rates will also differ from the standard upwards.

The bank offers to fill out a questionnaire in which you will have to answer several questions in detail, including the question about your employment. The bank representatives have the right to contact your employer and verify all the information you describe.

List of banks

Which bank that does not require a certificate of income is better? This question can be answered only after carefully studying all the offers that exist in the mortgage lending market.

VTB 24

"Victory over formalities" - this is the name of the mortgage program proposed. The condition of the program is down payment of 35% from the amount of the requested mortgage loan and the provision of 2 documents: a copy of the passport and a questionnaire in the form of a bank.

The minimum rate under the program starts from 12.75% per annum and depends on various factors: the amount of the loan, the down payment, the purchased object, the borrower's credit history, etc.

Under the program, it is possible to purchase real estate in a facility under construction or in the secondary housing market. VTB 24 provides an opportunity for its customers.

Moscow Regional Bank

This bank will help you get a mortgage without income statements on the basis of one document. Starting mortgage rate slightly lower than that of VTB Bank - only from 12.25% per annum.

The Moscow Regional Bank is ready to consider such real estate objects as a room or part of a residential property, an apartment, a country house or a townhouse.

The initial payment depends on the chosen object. For example, if a client wishes to purchase a country house, the down payment cannot be lower than 50%.

If a mortgage is needed to purchase an apartment in the secondary housing market, then the minimum down payment starts from 35%.

Credit Bank of Moscow

If you decide to purchase real estate with the help of a mortgage from the Moscow Credit Bank, then it will be enough for you to present only your passport. The loan rate starts from 13.25% per year.

Offers of other banks:

• Program "Mortgage by one document" in a mortgage bank DeltaCredit: initial payment of not less than 35% of the property value. The bank considers various real estate objects. The program allows the use of maternity capital.
• Not less than 35% down payment and in Rosinterbank. In the case of considering the acquisition of a country house mortgage, the down payment increases to 50%.
• It is realistic to take a mortgage without a certificate of income on one document Omsk Miraf-Bank. The bank increases the interest rate by 1% compared to standard mortgage programs.

Do not think that if the bank softens the conditions for obtaining a mortgage, then you will be able to deceive it or get a benefit.

Your credit history will be checked with the utmost care. In the event of a minimal risk, the mortgage interest will be increased, and if the risk seems significant to the bank, then you will be refused.

Today, there are many such people who work and have a good regular income, but this fact is not reflected or registered anywhere. Moreover, the client himself is in no hurry to advertise something, because for various reasons it is necessary that the receipt of money remains “in the shadows”. The types of employment are different. So, programmers are able to make good money on the layout and optimization of sites, but in 90% of cases these people are listed as unemployed. It is unpleasant when a person has enough money to pay off large bank loans, but getting these loans is very problematic due to the fact that banks require documentary evidence of income. Therefore, a mortgage without proof of income for such freelance clients is a very interesting offer.

What is the first thing you should know about the mortgage "under two documents"?

To begin with, it must be said that the concept of "without proof of income" is rather vague in our domestic banking system. In fact, every financial institution that provides such a service to customers determines the details of this approach. Sberbank dictates some conditions, and VTB 24 - completely different. True, Sberbank has a lot of other special preferential mortgage programs. Do not be too hopeful to find that there are such and such without checking the borrower's solvency:

• Firstly, lending institutions make such offers not out of the kindness of their hearts, but in order to expand their client base at the expense of already mentioned freelancers and other persons with unofficial income. That is, clients who cannot provide a 2-NDFL certificate because they simply do not have a job, and not because the work is unofficial, it is better to immediately go past;
• secondly, one should not hope that one can simply come to a financial institution and immediately receive several million rubles for housing. Banks are also not fools and not microfinance organizations to lend to a completely unverified client, and even such amounts;
• thirdly, in the absence of a standard confirmation of employment in the form of a certificate from the tax (or from the place of work) in the form of 2-NDFL and entries in the work book, other checks and conditions take place;
• fourthly, one positive condition is almost guaranteed to be offset by a couple of negative points for the client, but more on that below.

A mortgage and, in general, any loan without checking the financial situation of the client is also called a two-document loan. Because to apply here you will need:

• Russian passport with registration;
• the second document at the choice of the client / at the request of the credit institution (driver's license, compulsory pension insurance certificate, TIN, international passport, military ID, etc.).

Additional set of documents for real estate

The client fills out a questionnaire at the branch of the selected bank (this can also be done online). Then, nevertheless, it is necessary to personally visit the institution in order to present these documents and give photocopies to the employee. However, the required package of documents to obtain a bank loan for housing will increase significantly if the decision is positive. It will be necessary to attach all the documentation relating to the residential area chosen for the purchase. This includes:

• the conclusion of the appraisal firm's specialists on the market, liquidation and other types of value of the selected housing;
• conclusion from an employee of the BTI (technical inventory bureau) and a cadastral passport;
• a contract of sale from the seller, if the property is purchased on the secondary market (or other documents that can confirm that the seller is the legal owner of this property);
• certificate from the Unified State Register of Registration of a month ago;
• an insurance policy showing that the property is insured. Compulsory insurance and what types of insurance are needed - banks decide;
• a preliminary contract of sale, where the buyer is the borrower.

Cons of such a mortgage

As already mentioned, if banks do not monitor the client’s income, it means that other not very pleasant conditions await the client:

• the obligation of a large down payment, the amount of which varies from organization to organization in the range of 35-65% of the total amount of the housing loan. Without a down payment and, in addition, without proof of an acceptable level of income, it is almost impossible to take a mortgage loan;
• the loan amount will be reduced by about 20% compared to a situation where a detailed check of the client's financial situation is carried out. For example, 800 thousand rubles against one million rubles;
• the loan term will also be noticeably shorter. The maximum period here does not exceed 20 years, while in standard mortgage lending the maximum period is 40 years;
• the annual interest rate will increase by 1-5% (depending on the institution).

Banks are introducing all these measures in order to reduce the risks of costs as much as possible. After all, those clients who, in principle, are not able to pay for it, sometimes seek to take a mortgage without proof of income. These are not necessarily conscious scammers. It's just that many of our citizens argue in the style: "Okay, now the main thing is to get money, buy a hut, and then - somehow ...". That is why in most cases banks require real estate insurance. And in all cases, without exception, the purchased housing immediately passes into mortgage bank property.

If this is a prerequisite even for those clients who provide a 2-personal income tax certificate and a work book, then what can we say about those whom banks take their word for in terms of monthly earnings. A fairly good option is the case when the borrower cannot provide data on official income, but does own some valuable property suitable for securing a mortgage loan. Usually it is also some kind of real estate or a mid-range car. But here the difficulty lies in two points:

• not every financial institution supports such options;
• Not every property will be recognized by the bank as suitable for collateral. So, banks do not welcome apartments of the old series (such as Khrushchev and "Stalinka"), cars of domestic brands older than 5 years or foreign cars older than 10 years. Real estate under any type of encumbrance (seizure, other mortgage, residence of minors, etc.) is not recognized as a pledge.

Offhand, you can name four banks where a mortgage loan is issued without a 2-personal income tax certificate and secured by property that the borrower can offer:

1. Gazprombank.
2. UniCredit.
3. Communication-Bank.
4. Tatfondbank.

GPB and UK officially seem to request evidence of monthly income, but in reality everything is not so strict. A typical example is when, instead of a certificate from the tax service and a work book, a client provided checks from an ATM showing the monthly receipt of money on a plastic card and its withdrawal. As for Svyaz-Bank and Tatfondbank, they are content only with the entry that the borrower makes in the application in the income column. For persons who cannot officially confirm their income, there is another way. However, its legitimacy is doubtful. Help 2-NDFL is not so difficult to fake. Moreover, this can be done via the Internet using the relevant search queries (for example, “get a 2-NDFL certificate”). But here the client, as they say, goes for broke, because the bank may find a discrepancy between the data in the certificate and the data received when sending a request to the tax office. Then the client runs the risk of being blacklisted by the selected credit institution.

Examples of banks and offers from Sberbank and VTB 24

Obtaining a mortgage without proof of income is available in many large banks of the Russian Federation: Sberbank, VTB 24, GPB, Orgbank, ITB Bank, Housing Finance Bank, Sviaz-Bank, Unifin, Russian Mortgage Bank and others. And everyone has their own special moments in the issue of issuing a mortgage without proof of income. If we talk about Sberbank, then there is one convenient condition for many customers. If the borrower regularly transfers the money earned to the salary (debit) card of Sberbank, then the probability of making a positive decision is much higher, and from personal documents you need not two, but one (passport). Sberbank provides mortgage loans without proof of income in the amount of 45 thousand to 15 million rubles for the purchase of housing of any type (apartment, cottage, townhouse).

Annual interest is quite democratic - 12.5%. The age limits have not been changed - from 21 to 65 years, but a big down payment of 50% of the loan amount is a fly in the ointment. And it is worth warning that when taking a housing loan without documentary evidence of income for a period exceeding 10 years, the upper age limit will drop to 50-55 years. Finally, Sberbank does not change the maximum term of mortgage lending - it has remained the same as it was 30 years. VTB 24 is ready to issue from 800 thousand to 5 million rubles within the framework of such mortgage lending, which is 3 times less than the maximum in Sberbank. The rate at VTB 24 is also relatively low - 14.5%, and the maximum mortgage term coincides with the general one (20 years). The down payment to VTB 24 in the mortgage sector "under two documents" starts from 40%.

Factors that increase the chances of a borrower

What points can be listed that increase the chances of a "incomeless" borrower for a mortgage? So:

• the presence of potentially collateral property (real estate, car);
• the borrower provides the credit institution with evidence that he has the financial means for the down payment. Usually this is a bank statement, but it is not uncommon for a client to simply show the bank employee the required amount in cash during an interview;
• good credit standing with other institutions and, more importantly, with the bank of your choice. If the client has already proven himself on the positive side, having taken and returned a couple of consumer loans on time, the whole process of taking a mortgage will be easier and faster;
• providing some kind of financial statements that can at least partially replace 2-personal income tax and a work book: the same ATM checks or the receipt of money on a payment system wallet (WebMoney, for example).

Although

Mortgage lending involves the collection of an impressive list of documents, among which a certificate from the employer is of particular importance, confirming a stable income that allows you to make payments on loan obligations. When a potential borrower works unofficially, the only way to buy an apartment on credit is a mortgage without an income certificate.

Since it is not possible for many citizens to obtain a salary certificate, attention should be paid to programs that provide for a minimum package of documents, as well as banks that are ready to consider mortgage borrowers with a “gray” salary.

Who is eligible for a mortgage without proof of income?

The lender, when making a decision to issue a mortgage loan, will first of all assess the security of cooperation with a particular client, taking measures to ensure the return of the loan amount in full with interest. For this reason, a mortgage without earnings certificates is issued in the presence of other guarantees (pledge, guarantee, increase in the threshold of the minimum down payment, etc.).

Agreeing to a housing loan without confirmation by a salary certificate, the bank will carefully study the candidacy. The following categories of citizens are more likely to receive a mortgage apartment without proof of earnings:

• applicants with salary cards, from the movement of accounts of which it is possible to draw a conclusion about material prosperity (there are special conditions for clients of the salary project);
• individuals who are ready to pledge other real estate, valuable items, movable property (the loan amount is limited to 60–70% of the amount at which the collateral object was assessed by an independent examination);
• participants of specialized programs involving state subsidies (state programs, matkapital, mortgages for military personnel).
• borrowers with whom co-borrowers are registered, with a high level of official earnings and an ideal reputation as a payer according to an extract from the BKI.

Thus, the easiest option is to do without a certificate from the employer when applying for a mortgage from persons receiving a salary on a card issued by the bank to which the applicant applied.

Some banks accept applications for bank certificates, which eliminates the need to provide evidence that the client is registered as a taxpayer deducting income tax.

If it is still possible to get a mortgage without a certificate of income, then borrowers with a bad credit history will not be able to get a long-term mortgage. This must be taken into account when applying for loans under programs that require a minimum set of documents.

Given the increased risk of transactions with citizens who are not able to confirm their official stable income, the lender will put forward more stringent conditions for financing and repaying a mortgage:

1. Low credit limit, which does not allow you to buy expensive housing.
2. Increased rate.
3. Additional security requirements (pledge of existing property, insurance, guarantee).
4. Other restrictive measures.
5. Increased down payment - at least 30% of the cost of the purchased housing.

The borrower can be a person over 21 with Russian citizenship. If it is impossible to confirm income, the bank will scrupulously check the dossier of a potential borrower by requesting it from the Credit Bureau. If there are serious past dues and outstanding debts in the past, the financial institution will refuse to lend.

When deciding on a mortgage loan without providing proof of income, the borrower needs to be prepared for high interest overpayments and increased monthly payments, which can seriously impair the client's quality of life throughout the entire debt repayment period.

If it is not possible to submit a salary certificate, the standard documentation package includes the following papers:

• civil passport, other personal document;
• certificates of marriage, divorce, minor dependents;
• if a child is involved in the transaction, permission from the guardianship authorities will be required;
• if there is a spouse, his written consent is required;
• from the documents for the property, they provide technical documentation (cadastral passport, registration certificate), a certificate of ownership, a document confirming the seller's right to dispose of real estate, an extract from the USRR;
• to confirm that the mortgaged apartment is free of registered tenants, an extract from the house register is requested.

In addition to the main documents, the bank will require the conclusion of an expert appraiser, on the basis of which the amount required for the purchase will be established.

If the borrower works unofficially

The main document confirming income in a bank is 2-personal income tax, however, many banks accept a certificate of employment in the form of a bank for consideration. This happens when an employee is unofficially registered or his real income exceeds the amounts indicated in the declaration for the tax service.

When a lender offers a simplified mortgage loan without confirmation of earnings, the list of personal documents is limited to an internal passport and a second additional document (SNILS, driver's license, international passport).

If a decision is made to attract guarantors, the list is supplemented by documents of a person who is ready to guarantee the repayment of the loan by the main borrower. The guarantor presents a passport, a second personal document, a certificate of income.

Despite the limited supply, you can choose an acceptable lending option according to two documents from the current programs of Russian banks:

1. AT Sberbank you can get a loan for the purchase of secondary housing in the amount of at least three hundred thousand rubles. A young family has the right to count on a favorable rate of 12.5% ​​with a down payment of 15%.
2. VTB 24- one of the few large banks that give mortgages without a certificate of income. It allows, under a simplified procedure, to receive from 1.5 million rubles at 14.5-15.5% for up to 20 years with a down payment of at least 40% of the estimated cost of housing.
3. ICD implements a mortgage program that allows you to get mortgage housing at 13.25% with a down payment of 30% upon presentation of one passport of a citizen of the Russian Federation.
4. DeltaCredit offers a program for the purchase of mortgage housing for 1 document with a minimum contribution of up to 35%. The terms of the program allow the use of mother capital.

By selecting the most suitable lending conditions, even clients working unofficially can take out a mortgage without proof of official income. However, for the possibility of a simplified loan approval, a financial institution will require a large percentage overpayment, and in the process of registration, expenses for personal insurance and additional collateral are possible.

If the bank does not check the income of the future debtor, then the loan itself is most likely issued on more unfavorable terms.

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In such a situation, the bank concludes an agreement not only with the client himself, but also an agreement with his employer

Who can take

Potential clients without confirmation of their financial stability can be:

Requirements for the borrower

The following are standard:

Chances for a loan

You can increase your chances of getting approved for a mortgage in the following ways:

Get a mortgage without proof of income

If the borrower does not want to show his income to the bank, then the organization will check more carefully both the applicant himself and the purchase object he has chosen.

No income statement

Having no official confirmation of the financial solvency of the candidate, the bank will check the information provided by him.

Therefore, the information entered from the words must be reliable. Lying will significantly reduce the chances of receiving the required funds.

Video: mortgage without proof of income for two documents

No down payment

With ordinary or soft loans, its size varies from 10 to 30%.

In this case, some organizations (for example, Sberbank) allow you to present not a copy of the work book, but information about work in the form of a bank.

The client's employer fills out the document. But even information on this form is checked by employees.

If the potential borrower is an individual entrepreneur, then he has the right to fill out the form himself.

In this case, his income is considered official and will be verified through the tax authorities.

Which banks give

Applicants who are not salary card holders can try contacting:

How to make a deal

Procedure:

When transferring existing real estate as a pledge, registration of its mortgage in Rosreestr is also required.

In this case, two mortgaged property is possible: existing and acquired (under two mortgages).

But the calculation of one debt entails the termination of the mortgage and.

Required documents

Mortgage for those who do not have official earnings requires submission of:

If, in order to obtain a positive decision, the client offered to pledge the existing property, then it is necessary to transfer to the employee additional documents on this property:

The Bank may require proof of availability of funds as initial capital.

You can confirm this by submitting the following documents:

For the selected object it is necessary to collect:

Sample contract

An agreement signed for a mortgage without declaring income is similar to a regular agreement.

The absence of information about the client's salary is not written in the text.

The document contains the following data: