Tanto la crisis de crédito global como la de propiedad, cambiaron muchas cosas en España. Uno de los cambios más notables ha sido el hecho de que es mucho más difícil obtener financiamiento hipotecario que antes.

Hace 10 años habría sido muy fácil ir al banco local de su calle o sociedad de construcción para obtener un préstamo para su casa siempre y cuando hubiera suficiente capital dentro de la propiedad. Hoy en día este no es el caso, por supuesto.

Los prestamistas de los principales bancos están presionados a ser más responsables cuando se trata de prestar dinero para la propiedad y ahora están sujetos a estrictas auditorías externas, por lo que están teniendo mucho cuidado cuando los suscriptores toman decisiones de préstamo.

Esto puede afectar a muchas personas consideradas como un riesgo ligeramente superior de préstamo por parte de los prestamistas. Entonces, ¿cuál es la respuesta para aquellos que poseen propiedad y tienen la equidad atada a ellos?

Alternative Lending from Fluent Finance Abroad

Los bancos intentan clasificar a los solicitantes de hipoteca e insisten que estos tengan:

  • La edad correcta.
  • Tener suficiente ingreso demostrable durante un largo período de tiempo para cumplir con la hipoteca.
  • Estatus residencial correcto o nacionalidad.
  • Libre de cualquier deuda pendiente, por ejemplo, cargos de la comunidad, deudas con impuestos locales y ningún atraso con cualquier préstamo anterior, hipotecas o compromisos de crédito.
  • Tener puntuación de crédito perfecta.
  • Su propiedad NO debe estar clasificada como construida sobre tierra rústica

Si no cumple con lo anterior, debe hablar con FFA.

Fluent Finance Abroad entiende que los préstamos pueden y deben ser examinados según los méritos de cada candidatura y las circunstancias de los clientes. Por lo tanto, hemos construido una plataforma alternativa de préstamos que puede resolver cualquier oportunidad de préstamo que los bancos no puedan o no quieran asumir.

Tenemos una serie de inversionistas individuales o ASOCIADOS (PEERS) que tienen capacidad de préstamo y son lo suficientemente flexibles para considerar la solicitud según sus méritos individuales.

Aquí hay algunos ejemplos en dónde hemos podido aprobar lo que llamamos préstamos de PEER a PEER.

Refurbishment

Mr AB

This client was 79 years of age and was recommended to FFA by his bank when he asked for a €40.000 mortgage on an unencumbered property which he was refurbishing. He needed the funds to complete his project which was to turn a two bedroom, two bathroom bungalow into a three bed, three bath independent property. The bank of course couldn’t assist even though AB had completed 85% of the project using his own funds.

FFA went to visit the client at the project and it became clear that the lending opportunity was a good one and we found a Peer to assist AB complete his project.

Due to AB age, FFA insisted that he took independent legal advice and we met with his representative to go through the lending contact with AB and we signed at notary with all parties present and in agreement.
Don’t be afraid to make the change if you are not happy with the service you are currently getting.

Land in Marbella

Mr & Mrs TPW

These clients we in a position to buy a plot of land in a very prestigious area of Marbella and start constructing their dream villa.

They have a very international business but were not considered to be resident in a specific country even though their business is very recognisable, therefore Spanish banks were unable to assist.

They needed a large sum of €2 million to complete the property but now it has been completed and it on the market for €8 million and being rented on a short term basis until a buyer can be found.

Small Villa

Mrs. C

Has a plot of land which she inherited from her father’s estate and wanted to build a small villa as an investment to either rent out or sell on for a profit.
She approached her bank for a self build mortgage which should have been straight forward but, unfortunately, as she runs a mainly cash business, she was unable to prove to the bank that she had sufficient income to service the mortgage. She also had another property that she lived in, un-mortgaged, which we were able to lend on so she could release the funds necessary to get her project off the ground.
We have been able to inform her as to what she needed to do in terms of income verification in order to obtain a high street mortgage and she is currently working with her accountant’s on her next tax declarations so that we can refinance the Peer to Peer lending when her tax returns are due at the end of the tax year.
The project is 80% complete and will be finished and ready for sale in 6-12 months’ time when all the licences have been granted by the town hall.
If you have a lending idea and you have been turned away by your bank or want to speak to us to see if FFA can use their contacts either via the traditional high street route or via the alternative Peer to Peer lending market, please feel free to make contact at your earliest convencience.

¿Necesita una hipoteca Español o asesoramiento financiero?
Ponerse en contacto y nos pondremos en contacto con usted lo antes posible.

Su mensaje se envió correctamente!