Did you know that we can help you with your Mortgage Loan?

To find out whether or not you are eligible for a loan, banks have to analyze some of their basic economic data from some documents such as:

• Readable and updated identification document;
• proof of address;
• Last IRS declaration and settlement note;
• Statement of contractual relationship (issued by the employer);
• Green receipts (last 6 months) - if you are self-employed;
• Salary receipts (last 3 months) if you are employed;
• Bank statements (last 3 months);
• Declaration of commencement of activity (if applicable);
• Bank of Portugal Responsibilities Map;

Seek help from a professional from our team, the process will be simpler as you will be able to count on the support of a person who will help you throughout the house purchase process, as well as help from a professional certified by Banco de Portugal to clarify all your doubts in relation to mortgage loans, connecting you with the banks and finding the best market conditions for your situation.

Avoid losing your dream home

Imagine that you have already visited some properties and found the ideal house for your family. He starts to deal with the request for credit approval and, while he has to wait for the banks' decision, the property is bought by someone else! Yes, this can happen and it is perfectly normal.

If a buyer appears interested in the property and who meets all the necessary conditions for its purchase, especially credit approval if necessary, you run the risk of never seeing the house of your dreams again.

Are we going to avoid these frustrations? Get a pre-approval of credit before you start looking for a house to have the security of being able to move forward smoothly once a good deal comes up.

By asking for a credit pre-approval in advance, you will have a more real idea of the maximum ceiling that your property's value can reach. In this way, you are also avoiding wasting time with options that are beyond your financial capacity.

Furthermore, knowing the financing amounts you can get, it will be easier to adjust certain criteria, such as location and typology, creating a more specific filter when looking for the ideal property for you.

The process of buying a home doesn't have to be a buggy.

Get advice from a professional in our team and apply for credit pre-approval through our Bank of Portugal Certified Credit Intermediaries.

Source: zome.pt