At the present time in Russia a unique situation. Banks are actively fighting for their place in the emerging market, so the possibility of potential borrowers in the country, strange as it sounds, is much broader than in the developed capitalist countries. If the West is the one and only official confirmation of income, the banks in Russia, knowing full well the realities of our economy, and they are forced to consider the borrower's income, which he confirmed in other ways. This applies to those borrowers who are employed, and entrepreneurs or founders of businesses.

The situation was a definite classification of borrowers:

"Hiring-1" (employees, proving their income certificate in a form NDFL2); c "Hiring-2" (employees, proving their income in other ways);

"Business-1" (the owners or founders of the business, confirming its revenue related accounting documents) and Business-2 (the owners or founders of the business, confirming its revenue through the so-called management accounts).

Why, despite the liberalization of mortgage borrowers, since banks often refuse to grant a loan? The reason is that different banks in their claims to the so-called `other means of verification of wages' and how should look like management reporting.

Should also be noted that banks assess not only the solvency - the ability of people to make payments on the loan, but his credibility - a willingness to rights over a long period of time to pull out a certain amount of their income to debt repayment. And methods for assessing the creditworthiness also vary depending on the policy of the bank.

That is why a person may refuse to one bank and on the basis of the same set of documents to give credit to another.

For example, confirmation of wages for employees of gray can be carried out in different ways. This may be help shape the bank from an employer or a certificate in a free form. Requirements for registration of such information vary from bank to bank. Or the manager may verbally in a conversation with the bank to confirm that it is the worker receives a salary. This float is for the individual requirements of the bank of the borrower and the company where he works. Some banks will accept such verbal confirmation of income only in the framework of corporate mortgage program where by one company are not less than five borrowers.

Even more interesting situation with the owners of the business. Here, the position of the credit committee is directly dependent on how the bank developed in the direction of the business lending and, consequently, how well the bank experts can analyze the internal kitchen company. Therefore, different requirements for providing management reporting. But in any case, a business owner who wishes to obtain a mortgage, the bank will need to show not just the reality of their company, and convince the bank to the stability of the enterprise.

Some banks also analyzes the skills of the owner. Analysts trying to figure out whether a person get a job for hire, if his company will stop work.

Should also be noted that banks periodically reviewing their requirements for borrowers, extending the range of our lending products, change their characteristics to the estate, which serve the subject of pledge.

Mortgage broker, perfectly guided in a sea of mortgage programs that will immediately cut off the banks that have issued credit given to the borrower under any circumstances, and select those that are willing to lend. From this list, he selects those that offer the required credit programs, and, finally, determine in what the bank would be best for the borrower's condition. Another two or three bank mortgage broker in any case keep in reserve. Thus, the work of mortgage broker significantly increases your chances of getting a loan for an apartment.