Is féidir le hiasacht mhorgáiste bhaile ceadaithe a fháil a bheith ina phróiseas tromchúiseach agus tógálach ama. Nuair a dhéanann tú machnamh ar shaolré iomlán an mhorgáiste ó phróiseáil, go frithghealladh agus dúnadh, beidh baint ag cáipéisí a d'fhéadfadh moill a chur ar an bpróiseas.
Tá athrú tagtha ar dhiúltú iasachtaí morgáiste le cúpla bliain anuas mar gheall ar roinnt fachtóirí agus dá bhrí sin tá sé ríthábhachtach go ndéanfá pleanáil agus ullmhú cúramach le haghaidh do phróiseáil iasachta morgáiste.
D'fhéadfadh sé nach dtuigfeadh iarratasóirí nach bhfuil eolas acu ar an bpróiseas iasachta morgáiste baile gur féidir le hiasacht bhaile a bheith difriúil ó iasacht gluaisteán a fháil nó árasán a fháil ar cíos. Tá sé tábhachtach go bhfuil a fhios agat go bhfuil tú ar an eolas faoi seo chun a fháil amach cad iad na leideanna riachtanacha atá againn chun iasacht morgáiste baile a fháil!
1) Get Pre-Approved for a Mortgage
Getting pre-approved for a mortgage loan is a sensible idea from the get-go, as this will tell you how much you can afford, as well as the expected price range you can aim for with the new house. If you’re pre-approved, you can also expect your loan to be processed more efficiently compared to others who have not.
2) Get Your Documents Ready
It’s important that even before you start searching for a house, that all necessary documentation has been collected and organised. This can include bank statements, tax returns and other financial information that usually takes time to collate from different sources. It’s a good idea to take this opportunity to ask your bank for a mortgage checklist, if you’re uncertain of which documents are required by law.
3) Don’t Quit Your Day Job
Sticking with your employer while going through the home buying process can be crucial in a successful home mortgage loan approval. Any changes to your employment or income status can cause possible red flags to be raised and stop or almost certainly delay your mortgage process. Based on the information provided in your application, lenders can approve or reject you depending on their evaluation of your finances and whether you still qualify for a loan.
4) Pay Old Debt and Avoid New Debt
While it’s not necessary to have your credit cards completely paid off to successfully qualify for a mortgage loan, it’s still important to remember the less you owe, the better your standing. Your accrued amount of debt not only determines whether you can get a mortgage but can also determine just how much you can acquire from a lender. Lenders will happily evaluate your debt-to-income ratio to see what they can offer you in terms of mortgage rates, and will adjust according to your consumer debt level.
5) Work With an Experienced Mortgage Lender
If you’re looking to get a home mortgage loan approved, be absolutely sure that you’re working with the most experienced home loans broker in Melbourne. It’s essential to garner as much advice and help from them to help prepare yourself for a successfully approved home mortgage loan. Be sure to ask as many questions as possible, including how long it usually takes to process an application and find out how fast they can complete your mortgage, while foreseeing any potential issues regarding your own employment or credit checks.
Samhain 25, 2019