Hiring a home loan to pay not only implies, but also, often, there are other types of demands and constraints.
There are two phases, before and after the loan as grant but before one could speak of requirements that the customer must meet in order to give you a loan, then they usually ask a series of requirements, usually designed to increase the bank’s own business / box.
Requirements before signing a mortgage
Financial institutions are based on a maximum, which is that your business is to lend money in exchange for the customer to return it in its entirety, but some interest, in the manner provided in the mortgage deed.
Below are the processes and the way that there is an offer by the financial institution:
Contribute data
Study the application
Requested amount and term -
“Borrowing Capacity
-Other matters of interest
Offer
-Political Entity
-Requirements
Provide details:
The first thing I will ask it to provide data on their employment status, economic, debt, family situation, etc.
The aim is to study if you are in a position to support the mortgage payment, the maximum amount it would be possible to grant it, and under what conditions.
For a”serious “situation and to provide a binding offer for the bank / box, then details the data tend to ask, but noted that if the operation to proceed, could possibly ask for more data, depending the type of mortgage to be made (for example, if used on a home, they will ask a simple note of registration, the private contract of purchase – sale, etc.).
Individuals:
D.N.I.
Two recent pay slips.
Other income, accounts and deposits
Last statement I.R.P.F. complete.
Other personal documents:
Judicial sentence of divorce (if it were)
Capitulation (in the case of being married under separation of property).
Heritage: Other properties
Other receivables and payment obligations
Self: (besides the above information)
Added in License Tax.
Two or three recent statements I.R.P.F. complete.
Recent installments of I.V.A. or I.R.P.F.
The volatility of income that is supposed to self-employed in many cases the amount awarded does not exceed 60% of the cost of the property
Companies:
C.I.F.
Memorandum of Association, capital increase, other changes.
Writing Powers.
Balance of procedure.
Balance Commercial Register.
Tax.
Statements I.V.A.
D.N.I. partners or managers.
Typically, referrals from some suppliers / customers.
Details of banks with which it operates.
Latest receipts of loans outstanding.
Therefore, if you are applying for a mortgage, and wants to make an offer ”would “go with the documents you will ask, and thus avoids” two trips.”
