Financial preparation guide for mortgage applicants

Financial planning for mortgage applications involves a 90-day preparation period to organize finances. Key steps include checking BIK credit history, managing active loans and credit limits, and ensuring clear documentation of income and the source of down payment funds.

It is important to distinguish between a bank statement, BIK credit history, BIK scoring, and the bank's own creditworthiness assessment. While a bank statement helps confirm income and cash flow, it does not replace credit history. Effective preparation focuses on managing actual finances, such as controlling expenses and permanent financial obligations, rather than merely adjusting the appearance of a bank account.