|
|
The agency is the winner of the Honorary award of Bulgarian real estates magazine for the most professional advertising in internet - 2006 |
|
|
|
|
| Links |
Last Actualization:
01 August 2010 |
| |
| |
|
| |
|
When you buy something so important and significant as a real estate, the amounts necessary are not always available and ready in advance. That is why there is possibility to apply for loan before Bulgarian banks, provided your incomes can allow it.
For that purpose it is necessary to prove before the relevant Bulgarian bank your possibility to pay off the relevant loan, by proving your incomes.
This could be made by presenting some of the following documents – labour agreement, official certificate from employer, tax declaration, payments cheques, bank accounts statements for incomes received and individual investments and etc. If your incomes comes from personal business activity, it shall be necessary to present the documents of the companies, in which you have share, as well as decision for distribution of dividend, if you incomes are from being a partner in that company. If it is applied for a loan from more than one person, including husbands/wives, then the same documents are required from them too.
It is also necessary to present a reference from a credit bureau, if such in your country, for loans used by you and your credit rating. If in the country in which you reside there are no such institutions, it is necessary to present references from your servicing banks and banks-creditors.
Other necessary documents are copies of the passports and document for marriage. In case the real estate shall be bought by a company, registered in Bulgaria, of which you are manager and/or partner it is necessary to present a certificate of registration, certificate for lack of liabilities and minutes of the General assembly concerning the decision taken as well.
There is possibility the relevant bank to judge independently for each particular case and to request more documents, except for those enlisted.
Upon specifying those details with the bank, it shall be necessary certification with apostil of some of the documents in the embassy/consular office.
The conditions concerning the loan and the selection of bank depend on your possibilities and needs. Selection of the best and most favourable option shall be consulted by a professional credit adviser.
|
|
