Keep income documents separate from property documents. Ask your chosen bank for its final checklist: a file accepted for one offer may need additional documents for another.
Start with a personalised checklist
Tell the bank whether you are buying, building or refinancing, who is applying and where the income comes from. Request the checklist, accepted formats and submission stages in writing. A general checklist helps organisation; it does not establish eligibility.
Applicant documents
BT lists identification and consent for an ANAF income check. If income cannot be verified that way, ask which alternatives the bank requires. Do not assume one certificate or account statement is sufficient for every applicant.
Property documents
BT’s published list includes ownership, land-register and cadastral documents. Request the required papers from the seller and confirm the versions needed with the bank or notary. An informational copy does not automatically replace a document required for signing.
Purchase and down-payment evidence
Confirm the transaction documents and proof of the down payment before paying. Record the agreed price, amount already paid and balance to finance separately. Clarify in the preliminary agreement what happens if financing or the property checks are not completed.
Foreign income or joint applicants
Do not automatically use the checklist for Romanian salary income. Check the documents required from each person and whether translations are needed. Our existing foreign-income guide covers that situation separately.
Keep the application easy to check
Use four checklist columns: document, provider, bank-specified deadline and status. Mark missing items and ask for confirmation of receipt. Do not send the same documents to unknown intermediaries.
Questions before submission
Are copies accepted or are originals required? Which documents must be refreshed? When can the valuation start? Are any fees due before a decision? Ask for answers for your offer and property.
Next step
Obtain the final checklist from your chosen bank, then compare transaction expenses with your available funds. This page does not collect documents or submit a credit application.
Before choosing a property
Ask for a discussion of income and existing commitments before paying for documents for a particular property. Record who will apply, which income will be assessed and whether there are other repayments. An initial discussion is not financing approval. Ask the bank what it can check now and what must wait until the property is identified.
Once the property is identified
Keep a separate property file. Compare the address, owners and property identifiers across the documents received. If details differ, ask the bank and notary before signing; do not amend documents yourself. Establish who obtains each document and when it should be requested, so you do not unnecessarily pay for a version that will need updating.
When a document is missing
Record the exact missing document, the person who can provide it and the step it blocks. Ask whether other checks can continue. An unreadable, incomplete or unacceptable file is not resolved merely because it was sent. Keep the bank’s response with the checklist; silence does not establish acceptance.
Before signing and payment
Distinguish conditions for credit approval, contract signing and release of funds. Ask what evidence remains necessary at each stage. Coordinate transaction deadlines with the bank and notary. This checklist helps you organise an application; it does not replace legal examination of the property.
Keeping the application file
Use the bank’s designated channel for identity, income and account documents. Do not upload these to Kreditano or post them in public comments. Record the documents sent, their versions and the responses received. Mark a request as resolved when its completion is confirmed, not merely when you send a file.
Application checks by stage
| Stage | Check | If something is missing |
|---|---|---|
| Income | Personalised list and accepted format | Ask the bank for accepted alternatives |
| Property | Consistent identifiers across documents | Clarify differences with the notary and bank |
| Signing | Remaining conditions, deadlines and owner | Obtain confirmation before booking |
| Payment | Documents required for release of funds | Do not assume signing means immediate payment |
Keep a document register, not just a folder
Organise the application before sending the first attachment.
Give each requested document a row: the bank's name for it, the person concerned, issuer, issue date, version sent, recipient and response received.
Separate people, property and transaction documents. A file may support several checks, but receipt by one department does not establish acceptance for every purpose. Income verification, for example, says nothing about whether the chosen apartment is acceptable security. Record the stage for which a document was requested and who must confirm that it is sufficient.
Keep original files as received. A name identifying the document and its date is more useful than several attachments labelled “new scan” without a version history.
Identify everyone involved in the application
Clarify roles before collecting personal documents.
The borrower, person contributing income, owner and seller may be different people. Do not automatically apply one participant's checklist to everyone else involved.
Request a separate list for each person and disclose relevant name changes, joint ownership or representation by another person. Do not assume a scanned signature or a power of attorney used for another transaction will be acceptable here. Ask the bank and notary who signs each document, in what capacity and in what form. You do not need to resolve the legal question yourself, but it must be raised before booking a signing date on the assumption that everybody's paperwork is ready.
Check legibility, page completeness and consistent names before sending files. Never alter a copy to conceal a discrepancy; ask how the underlying document should be corrected.
Distinguish household income from accepted income
A personal budget is not a lending decision.
Describe the income sources separately, including salary, self-employment, pension, rent or other receipts. The lender determines which amounts it can consider for the application.
Do not plan the purchase on the assumption that every incoming payment will qualify. Ask which period is assessed, what supporting evidence is required and how variable income is treated. If statements are requested, clarify the accounts and dates covered. Explain recent employment or business changes accurately rather than leaving gaps in the history. The public product checklist describes a starting point, not acceptance of your circumstances. Keep the personalised response so later requests can be compared with what the bank initially asked you to provide.
A calculator result, advertisement or preliminary conversation does not prove that the income assessment is complete. Record the bank's actual confirmation separately from your own estimate.
Foreign income and documents in another language
Do not commission translations before checking the requirements.
First list the documents available, their issuing country, language and the income they support. Ask the chosen bank for instructions appropriate to that situation.
Clarify whether translations are needed, who may prepare them and whether any other formalities apply to the particular document. A colleague's successful application at another bank is not a reliable checklist for yours. Establish which originals will be needed and what can be submitted for an initial review. Include the cost and time of obtaining paperwork when considering a deadline proposed by the seller.
See the foreign-income guide for that wider topic. This checklist concerns file preparation; possession of the documents does not establish eligibility for a loan.
Match the advertised property to the legal documents
Compare property identifiers, not just the advertised address.
Ask what is actually included in the sale: the home, any parking space, storage area and associated interests. Record separate components where the transaction includes them.
An advertisement cannot settle the property's legal position. Obtain the requested documents and ask the bank or notary whether their identification is consistent. If numbers, areas or names differ, describe the discrepancy and establish who must explain it. A valuation of market value does not automatically resolve a documentary problem. If the seller promises that a document will arrive later, request a date and ask whether its absence prevents assessment, signing or release of the purchase funds.
Do not treat your own reading of land-register entries as legal advice. Keep a record of the questions and the answers from the professional checking the transaction.
Buildings under construction or with unresolved alterations
The standard checklist may not cover the situation.
Describe the property's actual stage before requesting documents. Explain whether the proposed purchase concerns a finished dwelling, a development project or a building still under construction.
Ask what the bank can assess at that stage and which documents are expected later. If the layout shown differs from the available plans, raise the issue without promising that the lender will accept it. Obtain a timetable for steps controlled by the seller or developer and keep it separate from the assessment of your income. Two applications may both look nearly complete while one depends on a document that cannot yet be issued. That difference matters when deciding whether a proposed transaction date is realistic.
For unusual properties, use the bank's personalised list and the notary's checks. This guide does not certify the legality of construction or replace examination of its documents.
Align the preliminary agreement with the bank's timetable
Do not promise a date based only on estimates.
Before accepting deadlines, compare the seller's timetable, the lender's stages and document availability. Identify which steps depend on somebody else's action rather than your own preparation.
Discuss with the notary or legal adviser what happens if financing is refused, the approved amount is lower or property documents require correction. There is no universal contract clause in this guide suitable for every purchase. Understand the obligations before signing, and distinguish an indicative commercial timescale from a guaranteed contractual deadline. Keep evidence of money already paid and confirm how it will be reflected in the final transaction documents. A payment should remain traceable even when the parties describe it differently in informal messages.
The down-payment guide covers funding that contribution. Here the task is to document payments accurately, not assume the lender has accepted their source or amount.
Documents for replacing an existing mortgage
The current loan becomes part of the checklist.
Tell the new lender that the purpose is refinancing. Ask exactly what information it needs from the existing creditor and how long that information remains usable.
Do not use a balance from an old statement as the definitive settlement amount for a future date. Ask how the amount required to close the loan is obtained and how payment is coordinated with security formalities. Keep property documents separate from loan documents, even if some were used when the original mortgage was granted. The new lender may need current versions or its own checks. Confirm who sends each item and what evidence you should receive once the previous borrowing has been settled.
The mortgage refinancing page addresses the financial comparison. Completing the document list does not establish that switching lenders will reduce the total cost of borrowing.
Turn requests for additional information into clear actions
Find out what is missing before resending files.
If the bank calls a document incomplete, ask which page, detail or format needs attention. Sending the same attachment again does not necessarily resolve the request.
Useful statuses are requested, being obtained, sent, accepted and needs replacement. Only the bank's confirmation moves a document into the accepted category. When replacing a file, identify the new version and explain the change; avoid leaving contradictory copies without context. If a deadline cannot be met, notify the relevant person before it expires and request instructions. Do not assume other work continues automatically while an outstanding item remains unresolved. Silence after sending a document is not evidence that the application has passed its next stage.
Maintain one concise list of open questions. It is easier to review than a chain of messages that never makes clear which issues have actually been closed.
Make a final check before the appointment
Review the list with the person handling your application.
Confirm the originals to bring, who must attend and whether required documents remain current. Mention any relevant changes since the last set of papers was submitted.
A complete file, approved credit and satisfaction of payment conditions are separate confirmations. Ask what remains outstanding instead of assuming that an appointment means funds will be available immediately. After signing, keep the contracts and confirmations securely with access limited to those involved. If an unexpected request for money or documents arrives, verify the recipient through a known official channel before responding. The existence of a real application does not make every message referring to it authentic, especially when it introduces unfamiliar payment instructions.
Kreditano helps organise questions and compare options. The final file requirements, lending decision and transfer instructions come from the institutions and professionals responsible for the actual transaction.