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List of required documents, submission procedure and deadlines

All documents are submitted in person at our branches within the terms agreed with the Bank.

Required documents for loan application

  • loan application
  • passport and SSC (original)
  • letter from the employer1
  • bank statement for 3 months2
  • “Energy Performance Certificate” EPC

Required documents after loan initial approval

  • advice from constructor
  • consecutive pledge letter permission (if needed)
  • in case of temporary pledge existence evaluation act and ok for bases3

List of documents required at the stage of loan notarization and issuance

  • passport and SSC of the borrower
  • marriage (divorce, death of wife/husband), birth certificates (original) if any
  • unified certificate regarding existing restrictions on residential real estate from the State Committee of the Real Estate Cadastre
  • property insurance document
  • passport and SSCs of the pledgers
  • communication order from non-customer parties (co-borrowers if any and pledgers)
  • other documents that may be required during the lending process


The above documents must also be submitted for co-borrowers and guarantors (if any).

1 For clients with a salary account at the Bank, a reference from the employer confirming that the Client's salary will be paid into his bank account maintained at the Bank.

For customers with a non-salary bank account, official evidence and/or documents confirming the sources/amount of income, such as tax return, dividend certificate, lease agreement, bank account statements, etc.

2 If the applicant is not a Client of the Bank, his bank account statements for the last 3 months with salary transfers (salaried clients), statements confirming the average balance of the accounts for the last 3 months (non-salaried clients), official documents certifying income.

3 The valuation shall be carried out by an independent valuation organization acceptable to the Bank.

4 The pledged property must be insured using the services of insurance companies acceptable to the Bank.


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