8 tips for preparing for a mortgage loan How to buy a house-condo? to borrow through The more self-employed, the financial plan is important.
Because owning a "condo" or "house" is the dream of many people. But of course, not everyone has a lump sum or liquidity enough to buy immediately when needed, so "applying for a loan" from a bank is the best solution nowadays. But with the amount of money is not small Of course there must be submission of evidence including various financial documents for consideration until causing many people to worry about each other
LPN, a large real estate developer, suggests that for those who plan to buy a "condo" or "house" initially considering the The process of applying for a home loan may seem complicated, but it's actually not as difficult as you think. Try these tips for good preparation. It may make applying for a home loan from the bank. is easier
8 tips for “buying a house-condo, how to get the loan through
*Check your own credit history.
Check whether there has ever been a history of overdue payment stuck in the credit bureau database. Plan to close various loans.
*Clear various credit cards or close as much as possible
It should be done at least 3 months before submitting a loan to assess your financial status.
*Assess the ability to pay for each installment
with the remaining money and spending each month sufficiently Have a beautiful account statement
*There should be a steady list of income in the account.
In case of self-employed, unstable income Should plan to deposit money into the account continuously
* Those who are in the tax base system
If a company employee The borrower must file annual income tax. and able to show proof of tax payment
*Prepare loan application documents
Prepare documents related to income and borrowers. complete on the date of submission of the loan should have money to save
*There should be a reserve of 10% of the purchase price.
If in the event that the loan can not be obtained in full amount This money will be used to pay for the age difference. and stability
*Must have been working continuously for at least 1 year
The bank will consider the stability of the company as well.
Source:https://www.thansettakij.com/real-estate/563629
Date 02/05/2023
