According to Dmitry Leus, who has an extensive experience in the mortgage segment, when a potential client comes to the bank to arrange a mortgage, it is not just a client who is taking a close look at the bank and assessing the profitability of the deal, but the bank itself is also evaluating the credit standing of a potential borrower.
“It’s not you who are looking at the bank; it is the bank which is looking into you”
The first criterion, which draws the banks’ attention, is a stable official income. The client will have a benefit if he possesses another real estate, for example, a cottage or an apartment, a car or other property. Positive credit history of the borrower is also very important.
Many banks will be more loyal to a potential client with the officially confirmed income. But Dmitry personally does not believe that 2-NDFL form … Read more