Credit acceptance: What are the supporting documents to provide?

On the verge of buying the desired apartment or house? Meticulously build your mortgage file, to increase your chances of obtaining credit acceptance, from one of the banks solicited. Beyond the list of supporting documents to provide , which is substantially the same for all organizations, here are some tips to follow imperatively .

What are the original documents to present?

 What are the original documents to present?

ATTENTION : banks must consult the original documents – beyond the copy you leave them – in order to certify their authenticity.

Personal documents to promote credit acceptance:

  • A proof of identity
  • A proof of your family situation
  • Proof of address of less than 3 months
  • Last three payslips
  • Last two tax notices
  • Last three statements of account
  • The justification of your personal contribution
  • Documents of other credits in progress (if this is the case)
  • Justification of all your investments (if any)

IMPORTANT : If the loan is for a borrower and a co-borrower , these documents should be presented for 2 people.

Supporting documents related to the real estate project:

  • Compromise or promise of sale signed
  • The pre-contract (in the case of a purchase in the new)
  • The plan of the dwelling (in the case of a construction)
  • An indication of living space (in the case of a purchase in the old)
  • The technical diagnostics file
  • The title of the property resold to buy the new (in the case of a bridging loan)

When should the supporting documents be gathered?

 When should the supporting documents be gathered?

After real estate mortgage simulations, you know the envelope of your project and you can concretely start your search for a property.

At the same time, it is strongly recommended to start collecting the supporting documents , to assemble your loan file.

In this way, as you approach the signing of the compromise , you can quickly obtain an agreement in principle from the bank. Note that the latter is valid only between 15 and 20 days, especially in periods where rates change a lot.

Organized (e), you gain responsiveness and you can quickly file your file and get acceptance within 7 to 10 days .

Why do you have to put together so many pieces for your credit report?

 Why do you have to put together so many pieces for your credit report?

Free to refuse a mortgage, the bank must be able to clearly assess your personal situation and your request , to determine if they are in adequacy. Remember that the borrower is not the only one to take a risk in establishing a loan. That’s why mounting a file is very important, because it must be able to quickly reveal all your assets and lead to a credit acceptance.

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