For the authentication of the mortgage contract the following documents are required (in principle), and they must be presented in original copies at the date of signing the papers:

From the owner:

• The property deeds;
• The certificate of registration the ownership right and the cadastral documentation of the immovable property that is pledged;
• The tax certificate for each owner (per taxpayer’s personal identification number) valid for 30 days from the date of issue by the Local Tax Department of the sector/city to which the property belongs;
• If the owner of the property is a company: articles of incorporation, articles of association, recent certificate from the Trade Register, SGA resolution/decision of the sole shareholder and the administrator’s identity card.

From the bank:

• The identity cards of persons authorized to sign the mortgage contract on behalf of the bank;
• The authentic power of attorney of the bank’s representative.
• The credit agreement.