What are the essential elements taken into account by the banks in the analysis of files?
Numerous elements will be taken into account, but a few are really important:
- The professional stability and seniority for the employees.
- The debt to revenue ratio, which should not be over 33%.
- The saving capacity, proven with established saving accounts.
- The project quality: the banks pay attention to the property quality (geographical area, construction) and the client’s life project.