Credit institutions in Belgium offer various credit formulas to help consumers.
Loans are effectively monetary solutions intended to finance the realization of a professional or personal project. Explanation of the documents essential for a credit acquisition.
In addition to credit organizations, financial intermediaries also offer their service to help you find an alternative to your budgetary concerns. In order to benefit from financial support, the consumer will have to request a credit. To this end, documents must be given to the lender to consolidate the loan request. These files also constitute a tool for analyzing the creditor of your eligibility for a credit. This market is governed by strict legislation, the two parties must undertake to honor the agreements agreed in the credit contract.
The documents to provide, the documents essential to make a loan
This is the first step in the process of obtaining credit. Many people submit a request to an establishment. Care must be taken to perfect the content of your request as well as all of its subscription file. To put luck on its side, the wise advice of a broker may be in order. The latter can take care of the constitution of your credit file. The most important point in a credit report is the profile of the borrower. The agents who will analyze your file will have to see through the document your credibility to repay your debts. Once the request has been validated, you will then have to provide supporting documents.
The list of supporting documents for a credit file is not exhaustive. However, it can differ from one organization to another. In most cases, you will be asked to provide a copy of your identity card. Then a proof of your direct debit which can be a certificate of residence followed by an electricity bill for the last three months. The file must also contain proof of income, it will also be a pay slip for the last three months. Finally, your bank details include the RIB and the status of your outstanding credits. In some, the bank may request information about your co-borrower or even deeds of ownership in the case of a mortgage.
When taking out a loan, it is advisable to find out about the rates of credit offers and especially about the terms of subscription. This initiative will help you align your request to the expectations of creditors. It should also be noted that your profile will play an important role in validating your request. It basically concerns your ability to repay debts, among other things your borrowing capacity. The debt ratio also plays an essential role in the validation of a credit request. The lower it is, the higher your chances of getting credit.