What documents do I need to prepare to qualify for a mortgage from a bank in Croatia?
- Proof of identity:
- A copy of a valid passport or other identification document.
2. Proof of steady income:
- Certificate of employment: This document should contain information about your permanent place of work, position, type of employment contract, and amount of income.
- Bank statements: usually for the last 3-6 months, confirming regular receipts to the account.
- Tax returns: recent tax returns (PIT) or other documents confirming reported income.
- Information about the property:
- Preliminary purchase and sale agreement or other document confirming that you intend to buy a specific property.
- Property valuation: Conducted by a licensed appraiser acceptable to the bank.
- Real estate documents:
- Extract from the land register: Confirming the absence of encumbrances and third party rights to the property.
- Property plan: Most often a current locational or cadastral plan.
5. Additional documents:
- Spousal consent: If you are married, you may need your spouse’s consent to take out a loan, especially if the property is to be a joint asset.
- Documents relating to own contribution: Evidence of payment of own contribution or financial resources allocated for this purpose.
6. Additional documentation:
- Depending on the bank and your individual situation, additional documents may be required, such as proof of other financial obligations, credit history or details of other properties you own.
