*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/

• Notarized ID copy of the applicant
• Marriage certificate, if applicable
• Residential
• Employee reference letter
• HUR reference: Social insurance payment (fingerprints can be read at the bank branch);
• Copy of employment contract
• Business owners to submit documents related to their business operations
• Documents showing an applicant’s capacity to pay off stated down payment
• State Registry Office References on whether any family member has ownership right immovable property
• Other

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