Providing the required documentation when applying for a mortgage loan will save you time and make your experience better and more efficient. But to do this, you need to know what documents are required so that you can prepare.
Once you have decided to apply for a mortgage loan to buy or renovate a house or apartment, the best idea is to go to a bank branch to find out which options best suit your needs, and that way you will be able to find out what documentation is required. This will help you build your file.
Mortgage Credit Requirements
It all starts with filling out a credit form, which will be made available to you at your branch and in which you authorize them to check your SPC and Serasa. In addition, you will be asked for a series of personal information, such as your name, address, your current job and the amount of your income.
Along with your application, you must present:
Valid official identification (voter registration card, passport, work card or proof of national military service) and your RG (Identity Card) and/or CNH (National Driver's License).
On the other hand, the file requires you to present proof of address (for example, water, property, electricity, telephone, cable TV bills or bank or department store statements). As for proof of income, it will depend on the regime in which you are registered. Whether you are an employee or self-employed also influences.
For salaried individuals
In this case, it will be necessary to present payroll receipts on letterhead from the last 3 months that specify the employee's name, ID, CPF, position, gross monthly salary, as well as other income indicating value, concept, payment period included, taxes, discounts and monthly net profit.
You will also need a letterhead from the company where you work specifying the date of entry into the company, the employee's name, gross monthly salary, position and time with the company, all accompanied by the signature of the company's Human Resources manager.
For a self-employed professional or business person
For the self-employed, it will be necessary to present a copy of your registration with the CCM together with your ID, your income tax return (from the last year) and statements from your deposit account, with or without a checkbook (if you have an account at the agency where you are requesting credit, for the last 2 months or if you have an account at other institutions, for the last 6 months).
Bring your complete documentation
Remember that to get the best experience during the bank contract, it is necessary to submit the required documents in a timely manner to make the mortgage loan application process easier and more efficient. Most mortgage loan simulators currently allow you to do an exercise on the credit options available at the bank, providing informative data that will be very useful.
If you want to save time, it is recommended to use the mortgage credit simulator of the agency you intend to apply for, or go to a physical agency for advice on the matter.