Of course, anyone who does not want to be in a rented room always wants to own a home. If you do not yet have enough money to buy a home and you want to buy a home loan, you should think carefully about it, because if you want your home to be a debt, risk and loss or marginalization. Be conscious in any case. On the other hand, in order to successfully obtain a successful loan operation, we have to prepare the relevant documents in accordance with the terms and conditions of the financial institutions we have selected, as well as the 5Cs policy that all financial institutions would like to have. Under:
1.Characteristic
Refers to the abnormal customer abnormalities, the good ones, who are willing to pay back their debt under any circumstance and do not intend to avoid debt.
2.Condition
Referring to the political and economic situation, could affect the value of real estate? Also, customers must be over 18 years of age and have a clear and legitimate job and business. In addition, customers must have proper identification and permanent residence.
3. Capacity (Possibility of repayment)
You need to have a clear income and sufficient income to pay back.
4. Capital
The capital here refers to the property we have, besides loans, such as money, cars. Generally, financial institutions often require at least 30 percent of their own money to buy home loans.
5. Collateral (Assets)
Refers to what we want to buy that it deserve to be properly suited to debt. They do this to prevent other risks when clients are no longer able to repay. Overall,
we have to prepare the file ...
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