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 .
ATTENTION : banks must consult the original documents – beyond the copy you leave them – in order to certify their authenticity.
IMPORTANT : If the loan is for a borrower and a co-borrower , these documents should be presented for 2 people.
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 .
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.