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description: To get an internal mortgage, the borrower needs to provide proof of marital status (indicating whether married, single, or divorced), documentation confirming…
title: What documents are required to obtain an internal mortgage, and where can these documents be obtained? -Ipoteka.birbank.az
image: https://ipoteka.birbank.az/api/articles/photo/53290284-81bd-4c6f-9007-89d1363b1f27.png
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What documents are required to obtain an internal mortgage, and where can these documents be obtained?

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To get an internal mortgage, the borrower needs to provide proof of marital status (indicating whether married, single, or divorced), documentation confirming the availability of income, such as official salary statements, pension or benefit documents, or proof of entrepreneurial activity.

These documents are necessary for the initial evaluation of the borrower's financial stability and to decide on whether to grant the mortgage loan. The provided documents are required for assessing the borrower's solvency. If the borrower's financial capability is deemed satisfactory by the Bank and the loan is approved, additional documents related to the purchased property and the seller will be required.

List of documents required to be provided to the Bank upon application.

## General package of documents:

- Copy of ID
- Copy of birth certificate
- Copy of IDs of family members
- Certificate of family composition from ASAN Service

## In addition, depending on income, marital status, and type of product, the following additional documents may be required:

If married:

- Copy of spouse's birth certificate
- Copy of borrower's marriage certificate

If single/unmarried:

- Certificate of absence of marriage (Form 14 from Registration Office)

If divorced:

- Copy of borrower's divorce certificate
- Court decision on borrower's divorce (if with children)
- Certificate of absence of marriage (Form 14 from Registration Office)

\*Note: Form 14 can be obtained from the registration office of the district where the borrower is registered.

## List of documents required based on income:

For Pensioners/Benefit Recipients:

- Certificate of pension card/benefits
- Statement of pension card/benefits card for the past 12 months

In addition, if the borrower is a reserve or retired military personnel:

Certificate from the State Service for Mobilization and Conscription for Military Service

  

For Individuals with an Official Salary:

- Certificate or electronic certificate from the borrower's place of work
- Employment contract or work record book of the borrower
- Statement of the borrower's salary card for the past 12 months
- Copies of contracts if the borrower has participated in the endowments plan program.

Note: If the borrower has multiple official places of work, it is necessary to provide the above-mentioned documents for each place of work.

For individuals engaged in individual entrepreneurial activities:

- A copy of the entrepreneur's TIN (Tax Identification Number) certificate.
- Income tax return or simplified tax return accepted by the tax authorities.
- Certificate from the tax authorities regarding the financial results for the past 12 months.

Note: Documents related to business activities may be required to obtain all types of internal mortgages, except for social mortgages.

Note: When involving a co-borrower, they must also provide the aforementioned documents.

## When applying for a mortgage to construct a house, the following documents are required:

- Deed of ownership for the land intended for construction.
- Technical passport of the land plot to be developed.
- Conceptual construction design, which should be prepared by the partner company.
- Document specifying the cost of the preliminary construction design, also prepared by the partner company.
- Contract with a partner for the construction.

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