What documents for your mortgage? Complete guide CDM Immobilier
Buying a property is an important step in life. To best support you in this process, CDM Immobilier offers you a complete guide to the documents to gather to put together your mortgage application.
Why prepare your application in advance?
By gathering all the necessary documents before applying for a loan, you will save valuable time and increase your chances of obtaining a favorable response quickly.
What are the essential documents?
The list of documents may vary slightly from one bank to another the other, but here are the most commonly requested documents:
- Identity documents: Valid national identity card or passport.
- Proof of income:
- Employees: Last 3 pay slips, employment contract, tax notice for the last 3 years.
- Self-employed : Income tax returns for the last 3 years, balance sheets, professional bank statements.
- Proof of assets: Bank statements for the last 3 months, savings books, shares, etc.
- Sales commitment (promise of sale): If you have already found a property, this document is essential.
- Property valuation: An appraisal report produced by an expert real estate.
Specific documents depending on your situation:
- If you are a non-resident: Valid residence permit, proof of foreign income, etc.
- If you are divorced or separated: Divorce or separation judgment, parental agreement.
Why use a real estate broker?
A real estate broker specializing in real estate loans can assist you in all the steps and help you obtain the best financing conditions. He will be responsible for:
- Carry out a personalized study of your profile.
- Negotiate interest rates with banks.
- Prepare your loan file.
- Assist you throughout the procedure.
CDM Immobilier, your trusted partner
Our team of experts is at your disposal to assist you in your real estate project. We offer you a wide choice of properties for sale and we help you find the financing adapted to your needs.
Do not hesitate to contact us for a personalized study.
