We don't necessarily lend only to the rich.

On the other hand, it is better to display good account management to convince your banker to grant you a loan to offer you the house of your dreams.

Beyond the level of resources of the applicants, the lending institutions indeed endeavor to analyze their seriousness and their thoroughness, in order to assess whether they will be inclined to respect their commitment over time.

Three months under scrutiny

When studying a mortgage loan file, the banker will take into account a whole series of criteria aimed at determining your financial situation and sizing the credit appropriately. Income, loans in progress, remaining to be lived, debt capacity or even personal contribution are thus reviewed in this context. But that's not all. The advisor will also assess your financial management.

To do this, he will comb through the three months preceding your request.

Remember that any real estate loan file must contain at least your last 3 payslips or balance sheets (for traders, farmers and freelancers), as well as bank account statements for the last three months, the last two opinions tax, as well as proof of any other current credits and your personal contribution.

Exemplary conduct

You will understand: your management must be flawless during the months preceding your request. We therefore avoid excessive spontaneous spending, the multiplication of entertainment that could give the impression that you have a “grasshopper” behavior, and obviously bank overdrafts which will appear as black spots for the banker. Likewise, it is better not to dip too much into your savings to finance your leisure activities, since lending institutions attach great importance to personal contribution.

To prevent your file from being reset on the grounds of an ill-kept account, it is therefore essential to anticipate by adopting impeccable financial management three months before submitting your loan application.

Pay even more attention to times that are prone to overspending, such as the summer season or the holiday season.

In order to benefit as it should be, it is sometimes more judicious to postpone the loan request by a few months, the time to find account statements more in line with the expectations of the banks.

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