The Supporting Documents To Provide For A Real Estate Credit

Many documents will be requested as part of your mortgage application. There are some parts that will be needed in all cases and others that depend on your profile and the nature of your real estate acquisition. 

 

supporting documents common to all projects

  • valid national identity card or passport
  • family booklet with children’s pages if applicable
  • attestation of pregnancy if unborn
  • certificate of Pacs / marriage contract if applicable
  • judgment of divorce (liquidation act and full judgment) if applicable

These pieces serve to prove your identity and your situation. They are necessary whatever your profile and your real estate project.

 

supporting documents according to my project

supporting documents common to all projects

The documents to be provided are different depending on the credit offer you wish to subscribe. These coins will be sent to your mortgage broker or bank who will use them to assess your borrowing capacity and avoid excessive debt.

I want to buy a new property

  • signed reservation contract
  • descriptive notice
  • mass shots and apartment
  • rental estimate if investment

I want to buy a good old

  • signed promise of sale
  • rental estimate in case of investment.

I want to buy land to build

  • promise to sell the land signed
  • construction project quote

I want to renegotiate my mortgage

  • full loan offer
  • definitive depreciation table
  • agency estimate of the value of the property
  • title deed (standard part only) or notarial certificate with visibility on the purchase price

equalization payment

  • full loan offer
  • definitive depreciation table
  • definitive depreciation table
  • title deed (standard part only) or notarial certificate with visibility on the purchase price

supporting documents according to my profile

house loan

Depending on your situation, different proofs may be necessary. Indeed, the borrowing capacity may differ depending on your profile. For example, if you are a tenant and you pay rent, your debt ratio will be higher than someone who is rented for free.

I am a tenant

  • proof of address of less than 3 months
  • housing tax
  • rental agreement
  • last rent receipt

I am the owner

  • proof of address of less than 3 months
  • property tax recto / verso
  • title deed (standardized part only or notarial certificate with visibility on the purchase price)
  • credit amortization table

I am hosted for free

  • proof of address of less than 3 months
  • attestation of housing by the host
  • CNI of the hosts
  • hosting host: property tax recto / verso
  • tenant host: rental agreement and receipt

I live in a function housing

  • proof of address of less than 3 months
  • housing tax
  • Employer’s certificate Justifying the provision of housing

I own rental investments

  • proof of address
  • property tax recto / verso
  • title of ownership (standard part only) / notarial certificate
  • rental agreement and last rent receipt
  • definitive amortization table of the appropriation (s)

I own a second home

  • property tax recto / verso
  • title of ownership (standard part only) / notarial certificate
  • definitive amortization table of the appropriation (s)

I borrow via an SCI or real estate company

  • full and up-to-date status (if not created, draft status)
  • K-bis less than 6 months
  • if SCI to corporation tax, request the last 3 tax packages n ° 2072
  • Last 3 statements of account of SCI

I am the manager of a company (SA / SAS …)

  • full and up-to-date status (if not created, draft status)
  • K-bis less than 6 months
  • 3 last tax bills certified by an accountant
  • Last 3 months of company statements

I want to make a loan at zero rate (PTZ)

  • N-1 year income tax notice N-2
  • a half-year discharge over a period of two years
  • lease agreement over the two-year period
  •  

supporting documents according to my professional situation

supporting documents according to my professional situation

I am an employee

  • tax notice N on income n-1 (if it is necessary to justify premiums and the recurrence ask for the opinions over 3 years)
  • if real estate income declared in the real: tax return No. 2044 for year N
  • Last 3 payslips + december n-1 / if seniority of less than one year apply for employment contract (same if premiums must be justified)
  • if intermittent show: 3 tax notices / 1 year salary and declaration employment pole.
  • Last 3 months of all account statements (personal account, joint account, etc.)
  • proof of savings
    • if donation: declaration to the taxes and if it is not made to ask for proof of saving of the donee + letter signed and CNI of the donor
    • savings statements justifying the funds (always justify a maximum the source of the funds)
  • definitive depreciation tables for loans in progress (consumer loan, real estate loan, auto loan, reserve, etc.)

I have a liberal profession / I am a company manager

  • Last 3 tax notices (N on N-1 + N-1 on N-2 + N-2 on N-3)
  • if income from land: Property Tax Return No. 2044 for year N (the last available)
  • if Liberal Profession: 3 last 2035 bundles certified by an accountant
  • if manager: last 3 tax packages certified by an accountant
  • if Autoentrepreneur: 3-year RSI quarterly returns
  • Last 3 months of all account statements (personal account, joint account, Pro account etc.)
  • proof of savings
    • if donation: declaration to the taxes and if it is not made to ask for proof of saving of the donee + signed letter of the donor and CNI of the donor
    • savings statements justifying the funds (always justify a maximum the source of the funds)
  • definitive amortization tables for loans in progress (consumption, immo, car, reserve, etc … loans)

 

Additional Information

Additional Information

The number of supporting documents to obtain a mortgage can seem important however, it is important to justify the ability to repay your loan from banks.

If your file is complete and contains all the required supporting documents, you will be more likely to get the mortgage rate you target.

Similarly, with a well-established file, your borrower profile will be better and a mortgage broker can find a better loan rate for your real estate financing.

Additional documents may be required if you wish to make a delegation of insurance in addition to your home loan. Indeed, mortgage insurance in another credit institution requires some additional guarantees.

As part of a real estate purchase or renegotiation, you may also be required to provide additional proof.

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