Discovery, Online Paris, Buying Bitcoins, Consumer Loan monthly: Some reperhable habits on your statements can displease Banks and cost you getting a real estate credit.
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All financial institutions require the real estate borrowing candidates their statements of the last three months. These must be irreproachable! For attention, these documents betray some habits that can make the frown of bankers.
To put all the odds on your side and win a credit, it is better to have anticipated and careful your file during the months preceding your request. “An overdraft can lead to a refusal of credit”, warns Ludovic Huzieux, co-founder of artemis brokerage.
Some lenders go even further. “More and more banks require the annual fee summary and check for overdrafts, through the presence of agios or intervention commissions,” says Cécile Roquelure, director of the borrowing broker’s studies. This allows them to study all the previous calendar year, in addition to the last three months.
A regular savings
The consumption profile of the loan candidate is also closely examined, and ants are better seen than cicadas. “Summer is often a breakthrough time, with the holidays. The banks understand it very well, but it must then return to a healthier management at the beginning of the school year,” says Ludovic Huzieux.
They see the presence, account statements of payments to online gambling companies or online. “In addition, some do not appreciate customer records investing in cryptomonnies,” Complete Pierre Chapon, the co-founder of the Pretto broker.
The study of the accounts also allows the banks to check if the customer can deal with a “charge break”, that is to say to a credit monthly payment greater than its current rent. The presence of proof of regular savings, for example by transfers programmed to a Livret A or a life insurance contract, is a good signal: the customer may devote this budget to the reimbursement of his loan.
Finally, as far as possible, as far as possible, reimburse your consumption credits, in order to start on a good basis.