The Home Loan Request Letter is a crucial document in the Maltese property financing process, serving as the formal initiation of a mortgage application. This document is typically used when an individual or couple seeks to obtain financing for residential property purchase in Malta. It must comply with both local Maltese banking regulations and European Union financial services directives, particularly the EU Mortgage Credit Directive (2014/17/EU) as implemented in Maltese law. The letter includes comprehensive information about the borrower's financial status, employment details, desired loan terms, and property specifications, forming the basis for the bank's initial assessment of the loan application. It's an essential first step in the mortgage process, leading to more detailed application procedures and eventual loan approval.
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1. Sender's Details: Full name, current address, contact information, and any reference numbers
2. Date: Current date in formal format
3. Recipient's Details: Bank/lending institution name, branch address, and if known, specific department or officer
4. Subject Line: Clear indication that this is a home loan request with any relevant reference numbers
5. Formal Salutation: Professional greeting to the appropriate person or department
6. Introduction: Brief introduction of yourself and your purpose for writing
7. Loan Request Details: Specific amount requested, intended property details, and desired loan term
8. Financial Position: Current employment details, income, and other relevant financial information
9. Property Details: Information about the property to be purchased, including address, type, and purchase price
10. Closing Statement: Professional closing with request for next steps
11. Signature Block: Full name, signature, and contact information
1. Co-borrower Information: Details of any co-applicant, if applicable
2. Existing Customer Reference: Reference to existing relationship with the bank, if any
3. Current Property Details: Information about current residence and any owned property, if relevant
4. Special Circumstances: Any unique situations or additional context that might support the application
5. Down Payment Source: Explanation of where the down payment funds will come from, if relevant
6. Business Details: If self-employed, details about business ownership and operations
1. Income Documentation: List of attached income proof documents (payslips, tax returns, etc.)
2. Asset Statement: Summary of current assets and their values
3. Liability Statement: List of current debts and obligations
4. Property Information: Detailed information about the target property, including photos or property report if available
5. Credit Report: Personal credit history report if required by the institution
6. Bank Statements: Recent bank statements showing financial activity and savings history
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