And banks will only accept a clean profits. So before you go to the bank, think about how you will verify your income. Income from rental of property. Typically, such income include the leasing of real estate, but can be any technique. Let us until the real estate.
In order for such income into account, it is necessary that the property was in your possession or in the long-term lease (but this is a big minus). Your relationship with your tenant must be documented, ie, agreements have been signed, it is desirable that they be registered with the justice authorities. It is better if the rental payments pass through the bank, ie transferred to the account, as well as you to confirm payment Taxes of this type of income. Also, the bank will likely ask you to confirm that you rent a room for rent for over a specified period (1-2 years). Ie the fact that this source of income you have been in existence for quite a long time. Of course, not all banks impose such strict requirements, but anyhow a written contract and records of payment, on the other side of the contract likely will not accept any bank. I also want to Note that if this is the main source of income, ie more than 50% of total family income, the bank will also apply reduction factor.
This amendment is on the different oscillations in the rental market. Income from shares, deposits, dividends, rights and copyrights. Such revenues are also taken with the usual reduction factor and documentary evidence of stable payments and pay taxes. This may be an extract from the register of shareholders on accruals, bank statement on interest on deposits, agreements on the use of copyright. And to acknowledge receipt of income will have a sufficiently long period. Income from alimony, and pensions. Some banks take into account such income, but child support will be considered, if a bank is understood that this source of income there will be a sufficiently long period. For example, if the child is 10 years, the alimony payments will continue 8 more years. If 16, then received alimony, most likely, the bank will not be considered. Moreover, child support takes into account only those that are paid officially. Oral agreement with ex-husband on the payments, the bank will not accept. That With regard to pensions, banks will consider superannuation and only in some cases, disability pension and old age. The fact that people with disabilities and very frail banks belong to a group of high risk and often do not lend at all. And the old-age pensioners do not provide loans, because The overwhelming majority of banks in the requirements for age of borrowers said that the maximum age of the borrower at maturity credit shall not exceed the retirement age (for women it is 55 years and for men 60). There are a number of banks, which increased the upper age limit up to 65-70 years, but in any case, the borrower must take out a loan, not being retired, or a source of income independent of his age. Just a couple of words on public servants. The fact that the “sovereign people” can not receive income for their work nepodtverzhdaemy official inquiries. In addition, the state. employees can not engage in any further business activity, except teaching. Therefore, banks will take into account only such income. If you realize that your income is not enough, there are a number of banks that allow third-party revenue, ie other family members, except spouses, friends and acquaintances.