What is needed to obtain a housing loan?
MORTGAGE LOANS
Applying for a home loan has never been so simple!
in partnership with Maxfinance We take care of everything, free of charge
We help you collect documentation and clarify your doubts throughout the process.
Financing of real estate investment projects
Mortgage credit aimed at supporting real estate investment projects involving the construction of properties for sale, intended for housing, commerce and services.
You can also request a Real Estate Credit to support your business' investments aimed at the acquisition, construction, works and also the rehabilitation of the space intended for the development of your company's economic activity (office, warehouse, etc.).
At Mudei de Kubico, save time and money on your home loan: our agents negotiate and take care of everything for you, free of charge.
ADVANTAGES OF HOME CREDIT
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Free SimulationList Item 1The first step to start applying for credit is: Carry out the Online Simulation. Completely free, at no cost and without obligation. We just ask that you correctly fill in all the data requested in order to obtain the most personalized result possible.
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Dedicated ProfessionalsList Item 2Count on a super attentive and dedicated team of professionals. After submitting your simulation, you will be allocated one of our financial analysts who will contact you to help you with all your questions and throughout the entire process.
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Quick answerList Item 3Areas with Expat Quality and International Schools in Lisbon and Porto
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Better conditionsThe best conditions and solutions so you can establish your financial balance. Achieve your financial freedom.
HOW TO APPLY FOR A HOME CREDIT?
Home credit is a loan granted by a bank or other financial institution to help finance the purchase of a house or property. This financing may be for the purpose of acquiring a new or used property, building a house, or acquiring land for construction, as well as carrying out works.
HOW DO I KNOW IF I CAN GET A HOME CREDIT?
The answer to the question “How do I know if I can get a mortgage?” is conditioned by several factors, the most important of which are:
The value of the property; the required loan amount; the amount to give as a deposit; the household's net income; the family's total expenses with other credits; the age of the borrowers; among other factors.
WHAT DO I NEED TO HAVE TO APPROVE HOME CREDIT?
The documents you need to gather and present to start your mortgage loan application are: Identification document, proof of address, declaration of effectiveness, salary receipts or proof of income, Certificate of Content or Permanent Certificate of Land Registration , the Building Booklet (In the “Buildings” section, under “Building Booklet” click on the “Get Proof” link) and the Housing License (It is the City Council that grants this license, therefore, to request it, you must go to the urban planning services of the municipality in the area where the house is located. However, some properties are exempt from presenting this document).
WHAT IS THE AGE LIMIT FOR HOME CREDIT?
Taking into account that in most banks it is only possible to obtain a mortgage loan with an age limit of up to 75 years, this indicator together with the loan term will be the main elements to take into account.
Note that, age equal to or less than 30 years: the maximum term of the credit is 40 years and age greater than 30 years and equal to or less than 35 years: the maximum term of the credit is 37 years, more than 35 years of age : the maximum term of the credit is 35 years.
HOW LONG DOES A HOME CREDIT PROCESS TAKE?
Bank approval may be a quick process, however its formalization may take between 1 and 2 months. Contracting this financial product follows some legal deadlines and can often involve a slightly longer waiting process.
