A loan? Which documents do you have to prove?

If you want to take out a loan, you must also provide a number of documents. And because we want the process to go smoothly and flawlessly, today I have listed the items that must be demonstrated.

These are:

  • The signed quote
  • Copy of valid proof of identity
  • Copy of a recent salary slip or a benefit specification
  • Copy of a recent bank statement
  • And in the case of already existing loans a copy of this loan (s)

The signed quote

 

 

It sounds very logical; you must sign the quote. As a result, the bank knows that you have read this and agree with the content. After all, it is an important decision that you make and that is why we must be sure that you have read all the pages correctly.

With Postkrediet the quotation consists of a number of parts; the contract, the payment order for the money, a direct debit authorization, your details and a statement of approval for our services. In many cases, a contract is also signed for canceling a credit.

Draw with pen or digitally

Draw with pen or digitally

 

Depending on the bank, you draw either by pen or digitally. If you sign with a pen, it is important that your signature is the same as the signature on your proof of identity. Your signature itself is a means of control for the bank. They check whether your signature matches the signature on your proof of identity. This is the way for the bank to check your identity and prevent identity fraud.

If you sign digitally, you use your bank account to sign. You transfer 1 eurocent for signing. The bank is thus enabled to check whether this bank account is actually in your name. To close this bank account, you have already identified yourself once. When digitally signing your contract, you use a link that is ready for you in the My Environment. Your personal online environment.

A copy of a valid ID

A copy of a valid ID

 

For verification, we need a copy of a valid proof of identity. Most customers identify themselves by means of a copy of a passport or identity card. A copy of a driver’s license is only permitted in exceptions. This is because the loss or theft of a driver’s license is not registered nationally, which increases the risk of a document that has been incorrectly demonstrated for banks.

Do you only have a valid driver’s license? Then ask 1 of our credit specialists about the possibilities? All important identification documents contain a number of important control data. The bank checks this data for accuracy, this is a way to prevent fraud. With an identity card and a driver’s license there are a number of check details on the back. That is why you must prove both the front and the back with these identification documents.

A copy of a recent salary slip or a benefit specification

A copy of a recent salary slip or a benefit specification

 

Lending money must always be justified. This means, among other things, that you must have sufficient income. You prove this income by means of a payslip or a benefit specification in the event of retirement and disability. These documents must be recent so that the bank calculates with the correct income. A payslip can therefore be a maximum of 2 months old. A payment specification is in any case provided in the month of January. It is therefore important that there is a date on the relevant document.

A copy of a recent bank statement

A copy of a recent bank statement

 

The bank with which we cooperate request one-off continuous bank statements from you. Contiguous means all debits and credits from this period, without selections or cancellations. The bank would like to check whether you meet your obligations and whether there are any recurring monthly payment schemes. That too is part of responsible lending. The banks also want to see that the income that you receive is actually deposited into your account. And the banks want to see that your housing costs correspond to the housing costs that you have specified. You do this by demonstrating the depreciation thereof.

A copy of the repayment balance of your current loan

A copy of the repayment balance of your current loan

 

It often happens that existing loans are redeemed when taking out a new loan. The bank takes care of the repayment of your existing loan (s). They do this on the basis of a payment balance. The payment balance may be a maximum of 2 months old and must state the outstanding balance of your loan. This enables the bank to transfer the correct amount. It is important that the contract number and the name of the company are also on the payment balance. As a result, the bank knows to whom, and stating where, they should transfer the money.

Is this all?

Is this all?

 

In many cases, these are all documents that the bank requests. In a number of situations it may happen that additional information is requested. With Postkrediet you always receive a personal quote with a personal checklist within 24 hours. It explains which documents the bank needs from you in your situation. Your quotation and checklist are prepared for you in your own personal environment.

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