Perfect Finance provides customers with Melbourne home loan services. Generally, the process of Perfect Finance home loan service is as follows: the customer selects the house->makes an appointment with a perfect credit loan consultant-> prepares the application materials and submits the application to the bank for evaluation->exchanges and signs the contract->housing settlement->after-sales service.
Under normal circumstances for home loans, lenders will have fixed interest rates and floating interest rates, hedging accounts, interest payment and principal repayment options. Melbourne Loan Perfect Finance will find suitable loan products for you from different lending institutions according to your goals and circumstances.
The materials required for loans vary widely depending on the lending institution and the financial products, but the actual lending institution requires you to provide materials nothing more than to understand your financial situation to ensure your legal expediency, and the information on assets, debts, income, and expenses can understand your financial situation.，
Whether you are buying your first home, your next home, investing in a property, renovating or refinancing, or just want to reduce interest, we can help you take the next step with confidence.
Home loan we provide you with free services
- Free pre-approval of bank loans
- Free bank valuation report
- Free personal credit report
Loan review standards
(Ability to repay loans) + (deposits/collateral) = (Ability to borrow)
Australian mortgage application process
- Communicate with the loan manager to understand your current situation and loan needs.
- Determine your borrowing capacity and choose the appropriate loan product and bank.
- Collect your information, submit a bank application, and get conditional approval
- The bank conducts information verification (Verification)
- The bank arranges the valuation of the house, and the appraiser sends the valuation report back to the bank.
- Get formal approval (Preliminary Approval) and sign the contract (Signing Loan Documents)
- The bank communicates with your lawyer to finalize the settlement date and the home loan will take effect.
List of Australian housing loan application materials (owner-occupied/investment)
- Identity documents: 100 points of ID (such as passport, Photo ID, driver's license, birth certificate, marriage certificate, medical card, etc.)
- Salary income: payroll, employer's letter
- Self-employed persons: tax return, tax payment certificate
- Rental income: Lease agreement or Rental appraisal letter
- Proof of assets: bank deposit certificate
- Debt information: proof of existing loan accounts, credit cards, personal loans, car loans, student loans, etc.
- Purchase information: purchase or construction contract, lawyer information, transfer information
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