• 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.