housing policy: the key to obtaining the approval of mortgage
Every year many families that have as their goal the acquisition of adequate housing and not have sufficient financial resources. Tuesday, January 18, 2011
housing policy is a medium that provides financial resources to purchase affordable housing. 
The idea is to make the bank will approve the transaction in a more expeditious. To do this we must clear the steps to successfully achieve our goal. For the proper presentation of mortgage credit file with the resources of housing policy requires that the applicant meets the following steps:
first be determined prior to submission of the application, the maximum amount the bank could grant for the purchase of the main dwelling. To this end, the housing policy provides a maximum monthly household income of Bs 7000, for which paid a total of Bs 271,800 to 30 years with an interest rate of 8.55%.
Second, locate housing that matches the amount the bank will lend or contribute the difference as part payment.
Thirdly must submit the application with personal data, financial, warranty and vendor data.
Finally, perform the appraisal of the property to determine the market price the property.
with all requirements to date, the bank will review the case and, if everything is OK, ask the permission to the governing body of the housing policy, the BANAVIH, to proceed to authorize the mortgage. Once
been approved by the bank, set a date for the notarization of the mortgage loan, the day will have to assist buyers, sellers and the bank's representative to the granting of the relevant documents in the Public Register and handover.
Given these guidelines, users of housing policy get credit approval mortgage, provided that the information provided is complete and updated information, so that when the application is received by the financial operator, the file is processed without delay.
The revenues for the presentation are: ID card applicants
RIF last three payslips
Income Statement
Affidavit of homeownership have no option to purchase
Request
lending bank and personal references
Personal Balance
Proof of employment or income certificate signed by a public accountant Writing
sale tax certificate Certificate
faov trading on the ID card
and vendors RIF
solvency front and right of water service
Property Appraisal by registered expert the Superintendency of Banks and Other Credit
Maximum applicants is three people.
These documents are indispensable for the bank to process a credit application so we emphasize the importance of documents as the main element when it approved the loan quickly.
is common for many records affected by the lack of documentation or because they were filed late, resulting in that such requests are denied credit for housing policy.
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