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Having your documents well-organized and ready before the meeting with the mortgage advisor saves time and effort. In this article, you will find out which documents you need to apply for a mortgage.
Content:
You’ve found what could be your dream home and initial online calculations look positive. Now it’s time to take the next important step towards buying your own home – a meeting with a client advisor from a mortgage lender to apply for a mortgage. You want to be well-prepared for this appointment. The more complete your documentation, the fewer the follow-up questions and less complicated the process. This article gives you an overview of the documents you need to apply for a mortgage.
From a financial perspective, taking out a mortgage is a major step for a soon-to-be property owner. Quite a few people miscalculate the numbers or don’t take the matter seriously enough. To protect applicants from potential over-indebtedness, lenders in Switzerland are legally obliged to thoroughly review applications before granting a mortgage.
Obtain an overview of mortgage models and find out which one is best for you.
Broadly speaking, a mortgage application must make two things clear: the applicant’s desired property and their financial situation. As a general rule, it’s better to include too many documents with the application rather than too few. The following explains each document in greater detail.
You’ve found your dream property and would now like to know what costs you will face? The UBS mortgage calculator shows you whether you have enough equity, as well as how high your mortgage and monthly expenses will be.
Once you have found your new home or property, the next step is to secure financing. This is achieved by way of a mortgage contract, which requires a wide range of documents. Make sure you know in advance which documents are relevant for your application. For example, self-employed individuals require additional documents compared to employees. Whether you want to acquire an existing property, a condominium, or a new construction also has an impact on which documents you need to provide.
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Disclaimer
This publication is for personal information purposes only within Switzerland and is not to be understood as a recommendation, offer or solicitation of an offer for investment or other specific products and services. It is not intended to form investment, legal or tax advice and should not be used as the basis for financial decisions. Before making a decision, you should obtain professional advice.
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