This file is made up of several supporting documents of which you are revealed the essential.
This is an explanatory note in which you present your project. Indeed, the important thing for banks is that you are a serious person, with ambition, but especially with a specific plan.
It’s even better if you insert a photo of the property in the folder. You then explain what you intend to do, improvement, change of destination, work that requires funding. For the property that will serve as collateral, you must bring proof of ownership, possibly with the mortgages that are already applied.
If you go through a broker , which is an excellent choice, he can help you better present your project. Remember to send him the list of establishments where you have already filed your file to save time.
It’s basic, you must provide all the pieces proving your identity. This includes a copy of your identity card or valid passport. Accompany this copy of a proof of address and all the pieces showing your personal situation, marriage, number of children. A copy of the family record book will do the trick.
It is important to look after your image since you will have to provide the statement of your account of the previous 3 months, but also the statement of wages of the last three months. The bank will then continue its investigation to find out if you are not banked or prohibited. If you have credits in progress, you must mention them in your file, with details on the remaining due and the monthly payments that engage you. This will determine your debt. Do not forget to do a mortgage calculation to see if it’s possible or not.