Credit process is not as complicated as you think. Try to follow the following steps to apply for a home loan that you want to buy.
Step 8 Applying the First Mortgage, search the house. Of course you have to have a home you want to buy first. You can find both on the internet, through newspaper advertisements, as well as looking at your desired location.
We recommend that you have some alternative home. So that you can compare the price, location, and size of the house. So you can have the best choice of several alternative home you want.
When asked to the seller's house, saying also that you will buy through the mortgage process. If the seller allows the mortgage process, meaning the house is included in the list that you need to consider.
Second, make sure the house is not problematic. You need to ensure that each house you want to buy a house that does not have a problem. That is, have the certificate and IMB, and not in a state of dispute.
Third, select the best home and tie with a sign so. If you drill it home no problem, proceed with selecting the best home. Once you compare, choose a house you want to buy.
Usually the home seller will ask for a sign so as to show the seriousness of your home purchase. pay for a sign so that the binding.
Nominal range marks so highly negotiable, depending on your agreement with the seller. A clear sign so that advances under.
Fourth, pay off the advance. In accordance with the agreed time, pay off the house down payment. Advances range between 20% to 30%.
Fifth, ask a mortgage to the bank. After that, ask a mortgage to the bank. If you buy a house from the developer, they usually will menguruskannya. But if not, you need to take care of yourself.
To apply for a mortgage to the bank, you need to fill out the form submission mortgages that have been provided by the bank. In addition it is also equipped with such requirements:
Husband and wife or ID card (if already married)
Family Card
Income statement or pay stub.
Financial statements (for self-employed)
Personal TIN
Personal Income Tax Return
Copy of certificate
Copy of IMB
Sixth, a survey of banks. The bank will then conduct a survey. Usually a survey carried out to your workplace (if employee) or to your home (if the business itself).
Seventh, invited interview. Next you will be invited by the bank to be interviewed in the office. You will be asked about your finances.
Eighth, credit agreement. If filing your mortgage is approved by the bank, you will sign a credit agreement. In the loan agreement with the bank of your covenant contained a good amount of credit disbursed by banks, large flowers, as well as mortgage and method of payment.
By signing the credit agreement that means you already have the official home. Bank will pay the sales shortage on home sellers and you will get a key to the house.
Try practicing the eight steps above to get your dream house.
