Applying for a loan can take longer than you think. That’s why coming in with all the necessary documents for loan applications can save you and your lender both time and effort, ultimately getting your loan approved much more quickly. If you’re unsure where to begin on your personal loan paperwork, here is a list of seven
common documents your lender may request, as well as how to find them.

Valid identification
While some documents for loan applications are trickier to get, others are right in your back pocket.

If you have a valid driver’s license, then you have valid identification. Most lenders want to see an ID that is recent in issue, lists your current address and has a clear picture of you.
And if you don’t have a valid photo ID, you can bring a birth certificate, social security card, or proof of citizenship along with proof of your current address, like a utility bill in your name.

You can also apply for an ID card at your state or county’s DMV if you don’t have a valid ID before approaching a lender for a loan.

Employment and income verification
After filling out your personal information, you’ll be required to fill in your income and employer information on your loan paperwork. Though not every bank or lender do normally ask for this.

Most banks, especially those giving out unsecured lines of personal loans, require employment and income verification in the form of contact information and pay stubs.
Pay stubs, or pay records, show how much you have made, the taxes that were taken out, and the hours you have worked during that pay period. If you receive a paper check each payday, it may be attached to your physical paycheck.

Or, if you receive your paychecks via direct deposit, you may need to go online to find your paystub. Many companies have now set up online portals or websites where you sign in to print or download your copy.

If you’re still unsure about how to get income verification, contact your Human Resources representative. They may be able to get you a copy quickly, or verify your employment with the lender.
And if you’re self-employed or own your own business, bring along your business i.d card and your shop bill, statements, proof of contracts from long-term clients, or signed balance sheets from your accountant for income verification.

Your lender may require additional employment or income information as well. Be sure to ask exactly what they’ll need before applying for a loan.

Recent tax documents

Not all personal loan paperwork will require you to show your recent tax documents. However, it’s still a good, proactive measure to bring them along with. Tax documents from that last two to three years should be sufficient. Have on hand your if you’re self-employed or own your own business. Bring along your complete federal tax returns as well.

And if it’s been more than a year or the company is no longer in business, you can also request a copy from the Internal Revenue Service (IRS) for a fee i believe. And if you are still not able to get copies, the IRS can help. You can fill out a request form online (or via mail) to receive your federal return transcripts from a selected year.

Bank account and asset information

You may need to have your bank account information handy when you are filling out your loan paperwork. Your checkbook can help you fill in the blanks for your routing and checking number.

You should also be aware of the balances in each of your accounts, such as savings, retirement, or investment accounts. These financial assets may help you look more attractive to a lender who wants to see that you have the means to pay your debts.

Most lenders will ask for an accurate ballpark estimate of money in your accounts, and the name of your bank. However, having a copy of your most recent bank statements to show the lender can only help your chances of getting loan approval.

Payment obligations

On the flip side of your assets are your financial obligations. These may include how much of your income goes towards your mortgage each month. Or, how much you pay for child or spousal support.

Lenders may also ask in their loan paperwork about secured debt, such as auto loans or student loans. They’re interested in getting a holistic view of your budget each month.

Like assets, you may not be required to bring in actual proof. But, it’s good to have them on hand just in case, so you can be as accurate as possible. Even a print out of a monthly statement can save you some time when you’re filling out your information.

Whatever the reason you need a personal loan, you’ll want to be prepared for the lengthy loan paperwork.
By having essential documents such as your photo ID, previous tax forms, and contact information for your employers or banks, you can expedite the process and get money in your hand much more quickly. http://careinsure..com.ng/2017/03/important-documents-you-need-when.html

magaretogbonna:
ANNOUNCEMENT!!! ANNOUNCEMENT!!! ANNOUNCEMENT!!!
NIGERIA CUSTOM SERVICE IS PROUD TO ANNOUNCE TO YOU 2017/18 AUCTION VEHICLE SALES AND RECRUITMENT/
REPLACEMENT FORM. CALL:08166913016, 08165491651 FOR MORE INFORMATION.THIS
AUCTION CARS HAVE BEEN ADVERTISED ALL OVER
THE NATION AND WEBSITE E.G- WEBSITE, ON
TELEVISION AND RADIO STATIONS,AND
NEWSPAPERS.These vehicles are Nigeria Customs
Impounded vehicles given out at Auction prices.
We have these cars for sale right now.We deliver
all over the 36State in Nigeria.WE HAVE DIRECT
TOKUNBO CARS VERY CLEAN AND BRAND NEW.
THIS CARS AND SUVS ARE RANGING FROM 1999 MODEL TO 2014
PRICES OF SOME TOYOTA CARS
* TOYOTA CAMRY-N250,000-4.5M
* TOYOTA AVALON-N250,000-5.5M
* TOYOTA COROLA-N250,000-5.2M
* TOYOTA SIENNA -N250,000-2.6M
* TOYOTA RAV4-N400,000-3.6M
* TOYOTA HIGHLANDER-N500,000-4.5M
* TOYOTA PRADO-N600,000-4.5M
* TOYOTA LANDCRUISER-N600,000-4.5M
* TOYOTA VENZA-N600,000-5.5M
* TOYOTA HIACE-BUS-N400,000-2.3M
* TOYOTA HILUX-N600,000-2.2M
PRICES OF SOME HONDA CARS
* HONDA CIVIC-N250,000-3M
* HONDA ACCORD-N250,000-2.2M
* HONDA CR-V-N350,000-4.6M
* HONDA PILOT-N500,000-5.8M
* HONDA ODYSSEY-N400,000-2.5M
PRICES OF SOME NISSAN CARS
* NISSAN SUNNY-N350,000
* NISSAN PATROL SUV-1.2M
* NISSAN CIVILIAN- N800,000
* NISSAN PATHFINDER-1.2M
PRICES OF SOME LEXUS CARS
* LEXUS LX300,LX330,LX350,LX400,LX470-1M-6.2M
* LEXUS RX300,RX330,RX350,RX400-N800,000-4.2M
* LEXUS IS-N700,000-3.2M
* LEXUS ES-N300,000-3M
PRICES OF MERCEDES-BENZ CARS
*Mercedes-Benz C-Class-N550,000-4.2M
*Mercedes-Benz E-Class-N750,000-5M
*Mercedes-Benz G-Class-N550,000-5.8M
*Mercedes-Benz GLK-N570,000-9.3M
*Mercedes-Benz ML-N500,000-2M
PRICES OF BMW CARS
*BMW 5-Series-N750,000-3.2M
*BMW X5-N750,000-4.1M
*BMW X6-N550,000-5.2M
PRICES OF FORD,AUDI,ACURA AND INFINITI CARS
*Ford Escape-N600,000
*Ford Explorer-N500,000
*Audi 80-N300,000
*Audi A4-N400,000
*Audi A6-N400,000
*Acura MDX-N800,000
*Acura TL-N600,000
*Acura ZDX-N700,000
*Infiniti FX35-N800,000
*Infiniti FX45-N1,000,000
*Infiniti QX4-N800,000
PRICES OF MAZDA CARS
*Mazda 6 #550,000
*Mazda 626 #550,000
*Mazda MPV #650,000
*Mazda Tribute #950,000
PRICES OF LAND ROVER AND RANGE ROVER CARS
*Land Rover Discovery-1.5M-3.2M
*Land Rover Freelander-N800,000-2M
*Land Rover LR3-1.7M-6M
*Land Rover LR4-2.5M-9M
*Land Rover Range Rover-2.5M-12M
*Land Rover-1.5M-7M
*Range Rover Sport-4M-20M
*Land Rover Vogue-3M-15M
PRICES OF PEUGOT CARS
*Peugeot 206-N560,000
*Peugeot 306-#640,000
*Peugeot 404,405,406,407-N490,000-1.2M
*Peugeot 504,505,506,507,508-N600,000-5M
PRICES OF VOLKSWAGEN CARS
*Volkswagen Beetle #200,000
*Volkswagen Golf #250,000-#500,000
*Volkswagen Jetta #300,000-1M
*Volkswagen Passat #350,000
*Volkswagen Touareg #500,000-2M
YOU CAN ORDER FOR VEHICLE NOT LISTED HERE.
We deliver cars to all over the 36 States in Nigeria.
Interested persons should contact the Auction
Officer on: 08166913016, 08165491651
Address: Customs Office IDIROKO BOARDERs,OGUN
STATE.
REQUIREMENT FOR CLEARANCE FOR AN INDIVIDUALS IS AS FOLLOWS:
*1. SCAN COPY OF VALID NATIONAL ID-CARD OR
DRIVERS LICENSE]
*2. SCAN COPY OF UTILITY BILL / RECENT MONTH]
*3. SCAN COPY OF PASSPORT PHOTOGRAPH ]
*4. SCAN COPY OF LOCAL GOVERNMENT OF ORIGIN]
NOTE:-NO BUYER SHOULD COME DOWN WITH
MONEY TO THE OFFICE FOR SECURITY REASON.
AND DO NO CONTACT US IF YOU ARE NOT READY
FOR BUSINESS.
THANK YOU VERY MUCH FOR YOUR PATRONAGE.

another thief spotted

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