Documentation needed for requesting a morgage

We'll review the most common documents you will be asked for when you apply for a mortgage
One of the most important steps when requesting a mortgage is providing the documentation requested by the bank. This is not a trivial process, because a mortgage loan will create a link between a customer and a bank for an average period of 20 years, so the potential customer needs to demonstrate both current and future economic solvency. We'll take a detailed look at the types of documentation that are most commonly requested when applying for a mortgage loan.
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General documentation (regardless of employment situation)

  • Tax ID Number (NIF in Spanish), or Foreigner Identification Number (NIE in Spanish), or passport.
  • Contract for down payment or deposit, if one has already been signed.
  • CIRBE (Banco de España Risk Information Center).
  • Previous year's Personal Income Tax (IRPF in Spanish) statement.
  • Ownership deeds for any other real estate you own.
  • Leasing contract if the applicant's current residence is rented, and receipts for most recent rental payments. Updated work history.
  • Recent bank statements.

Documentation required for applicants employed by others

  • Employment contract, whether temporary or permanent.
  • Salary receipts for at least the last three months.
  • Documents showing receipt of other income in addition to salary, if applicable.
  • Payment receipts for any loans currently contracted, if applicable.

Documentation required for self-employed workers

  • Annual Value Added Tax (VAT) statement.
  • Quarterly VAT payments for the year in progress.
  • Personal Income Tax (IRPF) statement, annual as well as quarterly.
  • Most recent Social Security payment receipts.
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Documentation required for companies

  • Business tax statement for the previous fiscal year, if submitted.
  • Tax statements for the year in progress – quarterly for VAT and Business Tax.
  • Up-to-date balance sheet showing the company's financial status.

Additional documentation

Beyond the documentation listed, each bank can request any additional guarantee document, depending on their risk criteria and the mortgage applicant's profile.

Applying for a mortgage is a process that takes some time; to prevent any delays, it is important to submit all of the documentation required, complete and up-to-date.

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