Читать книгу Complete Home Buyer's Guide For Canada - Geraldine Santiago - Страница 19

Lenders want plenty of financial information about you and your co-buyers to assess your ability to repay the loan. This ability is based on your gross debt service and total debt service ratios and on your assets, liabilities, earnings, employment history, and past record of repaying loans. Specifically, your lender may want the following information:

• Personal information — age, marital status, dependants

• Details of employment, including proof of income (T-4 slips, personal income tax returns, a letter from your employer stating your position)

• Other sources of income, such as pensions or rental income

• Current banking information

• Verification of your down payment

• Consent to run a credit investigation

• List of liabilities, such as credit card balances and car loans

• Total amount owed and monthly payments

• Fees for an appraisal or for a copy of a valid appraisal report, if recent

• Copy of the property listing

• Copy of the agreement of purchase and sale on a resale home

• Plans and cost estimates on a new home

• Condominium financial statements, if applicable

• Certificate for the well and septic tank, if applicable