Housing loan
Individuals and Organizations buying commercial space
X
Loan amount Up to 60%-100% Term Up to 240months Downpayment 40% Interest rate (yearly) 16.8%-21.6% Effective percentage rate (yearly) 18.16%-23.87% Application fee 10,000 MNT Insurance Collateral insurance and life insurance are required Commission fee 1% from disbursed loan amount. - 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
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