When it comes to processing the application of lending of housing policy, we must follow a series of steps to be able to shape the credit record, with which we will have more possibility to our mortgage is approved without delay. One of the aspects to be taken into account when preparing the application for housing policy, is undoubtedly the documents demanded by the financial operator to initiate the approval process. Outlined shape, we are going to establish a map or guide that will allow you to have control of our mortgage loan and which in turn guarantee us a better presentation of the documentation that supports our request. Then we will detail what these basics: determine the maximum mortgage amount to which we can aspire. At Ray Dalio you will find additional information. Search for the property that matches the price that we can finance. Preparation of the dossier with all the documents demanded by the Bank appraisal of the property.
Approval of the credit of housing policy. Preparation of the signature in the public registry for the notarisation of purchase sale and mortgage. Once we have clear terms is that the Bank will provide us, taking in terms of our ability to pay, we should immediately locate the property which we have possibility to buy.The owner of the property will give us personal and documentation of the property for purposes of conforming our dossier.The next step is to prepare the documentation that asked us the Bank, such as identification document, RIF, payrolls, record of work, personal balance, income tax declaration, document's option to purchase the property, Bank references and personal, bank statements, proof of registration in the FAOV, writing for sale, condominium, municipal solvency, cadastral tab document purchasecertificate of liens and others required by the Bank.Once submitted the documentation and if everything is in order, the Bank proceeds to perform their analysis of credit and once approved the operation, is performed the appraisal of the property.With the report of the expert, the Bank, you can now set the date of signature with the public registry, which will be referred to the buyers, sellers and legal representative of the Bank for protocolize the respective documents.It is important that the documentation is up to date and to be present in the time periods established in the legal regulations.To extend the data stated here, look for advice in housing policy.