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

• Must 18 years old and have full legal capacity;
• Actual need or demand to buy a new apartment;
• Have a regular income to repay the loan;
• Be able to finance at least 20% of the down payment;
• Must have worked for the employer for 1 year OR Have been in business for 2 years /main borrower and co-borrower/;
• No outstanding balance of loans, guarantees, or non-performing loans with banks or NBFIs;
• Eligibility criteria for the houses and apartments to be purchased: Building Energy Efficiency Certificate with more than 20% energy efficiency

• Handwritten application (Loan amount, term, interest rate, purpose should be clearly stated and signed)
• Loan application /1 passport-sized photo/
• Identification card or a notarized copy
• Residential reference letter from Governor of resident areas
• Notarized copy of marriage certification
• Employment statement issued by the employer ( Including position, years of service, amount of salary, bonuses and incentives)
• HUR reference: Social insurance payment (fingerprints can be read at the bank branch)
• Employment contract
• Evidence of down payment or ability to pay down payment
• If purchasing from a newly commissioned building, an apartment reservation contract
• If purchasing an old apartment, /purchase agreement, a copy of the apartment ownership certificate, and a General Department of State registration inquiry to see if it is mortgaged/
• Inquiry from the General Department of State registration regarding the ownership of residential real estate in the names of household members
• If you have a loan balance payable to another bank or NBFI, the loan agreement and loan account statement

Other required documents:

• Both main applicant and co-applicant should complete the same documents