Obtaining mortgage approval quickly is the goal of anyone about to purchase a home. However, waiting times often extend due to delays or oversights in submitting the required documentation to the bank.

Being prepared for the appointment with a complete list of documents allows you to significantly shorten the approval time and avoid last-minute stress.

Here is the quick and comprehensive checklist divided by document type:

1. Personal and Identification Documents

These are needed by the bank to identify the applicants and verify marital status or residency:

Valid ID card and Tax Code for all applicants and any guarantors. Certificate of residence and family status. Summary extract of the marriage certificate with relevant annotations, or separation homologation/divorce decree (in case of separated or divorced individuals). For non-EU citizens: Valid residence permit or residence card.

2. Income and Asset Documents

These allow the credit institution to assess your ability to repay the installment:

🔹 For Employees:

Last 3 pay slips. CU (Unique Certification) form for the last 1-2 years. Bank statement for the last 3-6 months (to show income and any other current expenses). Copy of the employment contract (if recently hired).

🔹 For Self-Employed and Freelancers:

Last 2 Income Tax Returns with related electronic submission receipts. Bank statement (personal and business) for the last 6 months. Chamber of Commerce registration (for companies or sole proprietorships) or professional association membership certificate. Updated accounting situation (if the request is made mid-fiscal year).

🔹 Additional Income Documents (if applicable):

Receipts of any other demonstrable income (e.g., rental income received). Documentation of any other ongoing loans or financing.

3. Property-Related Documents (Technical and Legal Documentation)

These are needed by the bank to appraise the house and verify the absence of mortgages or irregularities:

Accepted purchase offer or preliminary sales agreement. Deed of origin of the property (the previous owner's deed or declaration of succession). Updated cadastral map. Historical cadastral survey. Energy Performance Certificate (EPC). Copy of the Certificate of Occupancy/Habitability or building permit.

💡 Expert tip for speeding up approval: Don't wait until you've found your dream home to gather your personal and income documents. Having them ready and scanned in a single digital folder will save you precious weeks, allowing you to obtain a "pre-approval" for income well before the deed!

Looking for a home or need professional support to manage the purchase without bureaucratic hurdles? Contact us to schedule a consultation at {agency}!