Herpes Discharge Color And Smell

What are the requirements to request a loan from Housing Policy?

Second: To comply with the precautions that require financial institutions to grant mortgage loans to housing policy resources.

Continuing the process of applying for a mortgage resources policy housing, then will indicate the necessary documents for the mortgage application with resources from the system housing policy to be successful. We will take as reference the Technical Standards and Documentation Requirements for the Extension of Mortgage Loans for Home Purchase Home, published in the Official Gazette of the Bolivarian Republic of Venezuela on November 11, 2009.

General Requirements:

Nationality:

Applicants or co-applicants must be Venezuelans.

In the case of foreigners, must have legal residence.

Age:

be an adult.

Income to declare:

declare monthly income for the calculation of Total Monthly Family Income of the family.

What is the income statement?

Workers low dependency ratio:

income to consider is the comprehensive salary and any income other than occasional and demonstrable. No vouchers are treated as income, or e-card ticket supply.

income to consider the viability effects of credit is declared as the basis for calculating the contributions of the Compulsory Savings Fund for Housing (FAOV).

employed workers or shareholders of companies:

The resulting demonstrable through dd Certified Personal Income and Balance signed by certified public accountant, the latter being equivalent to that declared by the applicant or co-applicants as the basis for calculating contributions to the Voluntary Savings Fund for Housing (FAVV) .

Property Owners:

To qualify for a mortgage loan proceeds from the housing policy must not be co-owner of owner or main home.

exception to this rule:

Where the applicant or co-applicants have signed the mortgage loan sale and purchase option of your main home with the intention of acquiring a new primary residence.

Where the applicant or co-applicants hold rights to housing as a result of the liquidation of a marriage or concubinage, separation of property in case of divorce or inheritance law having acquired rights as co-applicants or credit.

Fund Prices:

To be the subject of a housing loan, applicants must be active contributors and fund solvent, with a minimum of 12 months' contributions, consecutive or not, when you submit your order.

Mortgage Previous:

have not received over the past 5 years, mortgage resources governed by the laws on housing and habitat.

Follow Obligation Quoting:

Users who have been the subject of mortgage loans with housing policy resources have an obligation to continue making contributions to the fund.

Personal Documentation:

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  Photocopy of Identity Card for all applicants.
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  RIF (Registration Tax Information)
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  Act Proof of marriage or concubinage.
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  Simple Affidavit of having no primary residence.
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  Document option in the case is proceeding through the sale of your current primary residence to buy another.
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  Form mortgage loan application and the direct housing subsidy completed and signed. This form requests the financial operator.
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  Proof of bank account opening.
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  Three personal references.
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  three family references.

demonstration Income Documentation:

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  Original and copy of Proof of employment with issue date not exceeding 3 months.
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  Bank references.
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  bank statements.
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  Balance personal signed by certified public accountant.
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  Three most recent pay slips.
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  Income Tax Income of last fiscal year.
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  Proof of enrollment in the FAOV.

Warranty Documentation (Property to buy):

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  real property document.
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  Paper Condominium.
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  existing purchase option for 90 days with 30 day extension. This document must be recorded within 7 days of its signing by all the documentation. If filed after this date the bank rejected the request.
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  Certification taxes on the property for a period of 10 years.
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  If the property is mortgaged, must contain the release of the mortgage in the sale document to formalize.
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  habitability permit for property to build.
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  Property Valuation date of issue not exceeding 90 days.
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  Municipal Solvency Urban Property Tax in force.
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  cadastral sheet.

Sellers Documents:

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  Identity Card.
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  RIF.

Protocolizing Documents:

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  ID card buyers and sellers.
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  original RIF buyers and sellers.
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  Home Housing Registry or self-assessment form of alienation of property.
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  Original the creditworthiness of right front.
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  Hidrocapital solvency.
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  Original Sheet Cadastral.