What documentation is needed to request a mortgage?
Category: Mortgages
With the arrival of the new year, it is quite common to consider buying a new home. And most of us need to go to banking entities to request a mortgage that allows us to face the large financial outlay that this step entails.
If you find yourself in this situation, you may not know all the documentation that they will request from you to study your case. You must collect:
- NIF, NIE or valid passport
- Deposit or deposit contract (if you have signed it)
- CIRBE: It is a database that collects all outstanding debts that a client or guarantor maintains, as long as they are for a value greater than €9,000
- Income tax return for the last year
- Deeds of each property you have
- Lease contract if your current address is rented, and latest rent receipts
- Work contract and working life
- Recent bank statements
In addition, if you are a self-employed worker, you will already know that banks tend to be somewhat more demanding with profiles like yours. For this reason, you also have to have on hand:
- Income Tax Returns for the previous two years.
- Annual VAT Return for the previous year
- 3 latest Social Security receipts
- 3 latest models 303 of the quarterly VAT settlement
- 3 latest personal income tax returns
We hope we have helped you and saved you from comings and goings due to lack of documentation. And finally, as you already know, for searching for the home of your dreams there is laHome. Trust our real estate agency and we will study your needs and work until we find the ideal house.
