The following strategies will be helpful in order To Get Approved For Credit Application for Housing Credit bank or mortgage :
1. Financial documents & personal documents required. You need to prepare the following financial documents are usually required for mortgage banks. For an employee who worked at the company, the documents requested are :
* Work in the Company's Certificate (minimum you must have worked at the company for 2 years, or could be less depending on your work experience)
* Original Monthly Salary.
* TIN (Taxpayer Identification Number)
* Copy your savings book to find out your bank account (at least for 3 months).
* Copy of ID card, Family Photo Cards, Photo Copy of Marriage Certificate, or may need to be prepared a letter of domicile of the RT / RW.
* Letter of citizens (for the citizen offspring).
For entrepreneurs, the documents requested by the bank as follows :
* Your Customer List (if possible)
* List your supplier (if your business is trading business)
* Proof of your financial transactions with customers (such as receipts or invoices)
* NOTE: Bank account (at least for 3 months)
* TIN (Taxpayer Identification Number)
* Business License (trade license), if your business is trading business.
* Sign Companies list (TDP)
2. Prepare guarantee completeness of the documents to be filed. If you buy a house on credit, then the completeness of the documents home to be purchased will be asked by banks for collateral to them. That is, if your credit is bad then the house will be seized by the bank to replace the debt remaining unpaid. What are the documents?
* Certificate of Land
* Certificate of IMB + Blueprint or drawing of the house.
* UN SPPT Last Year
When you buy a new house from developers, then the developer will prepare the documents above. Documents on the document will be stored by the bank until the bank's mortgage home loan is paid off. When you buy a second house, it must be ensured that the documents above there. Before submitting a mortgage bank.
3. Your Financial Performance. Your Financial Performance. Financial performance in the current account savings should be good or repaired so that when the bank was impressed by the good reviews. A good appearance checking account would increase the likelihood of approval of the mortgage bank.The following tips will be useful for you:
* Improving the Bank's account records held. Keep in mind that the bank will ask for pay slips as the official record that the person who filed the mortgage bank has with a certain amount of income each month. Paycheck will be in the cross check with a savings bank account statements to prove that there is money coming in for the listed salary slip. What if your salary is not transferred (eg you work freelance or professional)? Try to deposit your income into a savings account first before playing for the benefit of others, and where can you keep your savings occur direkening income of at least 6 months.
* Smooth debt elsewhere. When you owe at another bank, whether in the form of loans such as credit card what aja etc., then try not to ever arrears within 6 months of the canopy. The bank will check the history of your debts in bank debt. Where the credit crunch never happened a few months back, you should reconsider plans for mortgage bank, at least you need a period of 12 months after a bad credit or arrears in order to consider that your current financial condition is healthy.
* Setting the proportional debt repayments. When your total installment debt in the bank (eg an existing fixed installment payments + credit card + bank mortgage repayments to be filed) exceed one-third of your monthly income
When the option is set, and bank home lender you choose which is appropriate, then stay visit the bank. The bank will provide the above requirements along with the form field that you have to fill completeness to be returned to the bank. After all requirements handed back to the bank, usually surveys and interviews will be conducted by the bank.
After the bank's home loan application is approved, the next step is to see to the signing notaries deed of sale / credit and manage certificates.
Almost all banks provide mortgage banking services. You just select and compare each corresponding advantages. Current mortgage is not just to buy a house, but also for building a house on land that already exist.
Hopefully the article above is useful for those of you who will ask a bank loan when the funds needed to have a dream home is not available in cash.
1. Financial documents & personal documents required. You need to prepare the following financial documents are usually required for mortgage banks. For an employee who worked at the company, the documents requested are :
* Work in the Company's Certificate (minimum you must have worked at the company for 2 years, or could be less depending on your work experience)
* Original Monthly Salary.
* TIN (Taxpayer Identification Number)
* Copy your savings book to find out your bank account (at least for 3 months).
* Copy of ID card, Family Photo Cards, Photo Copy of Marriage Certificate, or may need to be prepared a letter of domicile of the RT / RW.
* Letter of citizens (for the citizen offspring).
For entrepreneurs, the documents requested by the bank as follows :
* Your Customer List (if possible)
* List your supplier (if your business is trading business)
* Proof of your financial transactions with customers (such as receipts or invoices)
* NOTE: Bank account (at least for 3 months)
* TIN (Taxpayer Identification Number)
* Business License (trade license), if your business is trading business.
* Sign Companies list (TDP)
2. Prepare guarantee completeness of the documents to be filed. If you buy a house on credit, then the completeness of the documents home to be purchased will be asked by banks for collateral to them. That is, if your credit is bad then the house will be seized by the bank to replace the debt remaining unpaid. What are the documents?
* Certificate of Land
* Certificate of IMB + Blueprint or drawing of the house.
* UN SPPT Last Year
When you buy a new house from developers, then the developer will prepare the documents above. Documents on the document will be stored by the bank until the bank's mortgage home loan is paid off. When you buy a second house, it must be ensured that the documents above there. Before submitting a mortgage bank.
3. Your Financial Performance. Your Financial Performance. Financial performance in the current account savings should be good or repaired so that when the bank was impressed by the good reviews. A good appearance checking account would increase the likelihood of approval of the mortgage bank.The following tips will be useful for you:
* Improving the Bank's account records held. Keep in mind that the bank will ask for pay slips as the official record that the person who filed the mortgage bank has with a certain amount of income each month. Paycheck will be in the cross check with a savings bank account statements to prove that there is money coming in for the listed salary slip. What if your salary is not transferred (eg you work freelance or professional)? Try to deposit your income into a savings account first before playing for the benefit of others, and where can you keep your savings occur direkening income of at least 6 months.
* Smooth debt elsewhere. When you owe at another bank, whether in the form of loans such as credit card what aja etc., then try not to ever arrears within 6 months of the canopy. The bank will check the history of your debts in bank debt. Where the credit crunch never happened a few months back, you should reconsider plans for mortgage bank, at least you need a period of 12 months after a bad credit or arrears in order to consider that your current financial condition is healthy.
* Setting the proportional debt repayments. When your total installment debt in the bank (eg an existing fixed installment payments + credit card + bank mortgage repayments to be filed) exceed one-third of your monthly income
When the option is set, and bank home lender you choose which is appropriate, then stay visit the bank. The bank will provide the above requirements along with the form field that you have to fill completeness to be returned to the bank. After all requirements handed back to the bank, usually surveys and interviews will be conducted by the bank.
After the bank's home loan application is approved, the next step is to see to the signing notaries deed of sale / credit and manage certificates.
Almost all banks provide mortgage banking services. You just select and compare each corresponding advantages. Current mortgage is not just to buy a house, but also for building a house on land that already exist.
Hopefully the article above is useful for those of you who will ask a bank loan when the funds needed to have a dream home is not available in cash.
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