* *If additional immovable property is pledged down payment amount can be decreased down to 0%

• Consistent income to successfully complete the payment of your mortgage loan;
• Actual need or demand to buy a new house or apartment;
• Capacity to finance at least 20 per cent of the total price of the house or apartment;
• At least 1 year of consistent work OR at least 2 successful business operations /Main applicant/;
• At least 1 year of consistent work OR at least 2 successful business operations /Co applicant/;

• Loan application /1 passport-sized photo/
• Handwritten application (Loan amount, term, interest rate, purpose should be clearly stated and signed)
• Identification card or a notarized copy
• Residential reference letter from Governor of resident areas
• In case of customer has salary income, employment reference
• In case of customer has salary income, employment contract /term is valid/
• Certified copy of salary transaction if paid by another bank (last 1 year)
• Documents proving business activities
• Evidence of down payment or ability to pay down payment
• The sales contract/Apartment sales contract and copy of state registration certificate
• In case of new apartment, copy of the State inspection evaluation report of building commissioning
• HUR reference: Social insurance payment (fingerprints can be read at the bank branch)
• HUR reference: Marriage registration reference (fingerprints can be read at the bank branch)
• HUR reference: Real estate registration reference (fingerprint can be read at the bank branch)
• HUR reference: Property ownership reference (fingerprint can be read at the bank branch)
• HUR reference: A reference whether have any debt by court decision
• A reference whether own real estate obtained from the National Registration Office

Other required documents:

*Both main applicant and co-applicant should complete the same documents.

Please download the loan application form from the loan application section.