La crise mondiale du crédit et la chute dans le marché immobilier ont beaucoup changé les choses en Espagne. L’un des changements les plus notables est le fait qu’il est beaucoup plus difficile d’obtenir le financement hypothécaire qu’auparavant.

Il y a 10 ans c’était assez facile d’aller à votre banque locale ou votre société de construction pour obtenir un prêt contre votre maison, tant que vous aviez assez d’équité dans la propriété.

Aujourd’hui ce n’est plus le cas.

Les banques sont plus responsables lorsqu’il s’agit de prêter de l’argent contre des propriétés et sont désormais sujet à des vérifications externes strictes, donc elles font très attention lorsque les souscripteurs doivent prendre une décision de prêt.

Cela peut affecter beaucoup de clients qui sont considérés avoir un niveau de risque légèrement plus élevé.

Alternative Lending from Fluent Finance Abroad

Les banques essaient de classer les clients et elles insistent pour que les conditions suivantes soient remplies;

  • L’âge correct.
  • Un revenu démontrant les moyens de payer l’hypothèque sur une longue période
  • Le bon statut résidentiel ou nationalité.
  • Aucune dette en cours.
  • Un pointage de crédit parfait.
  • Votre propriété n’est PAS classée comme construite sur un terrain rustique.

Si vous ne remplissez pas les conditions ci-dessus, vous devez parler à FFA.

Fluent Finance Abroad comprend qu’emprunter peut et devrait être considéré sur les mérites et les circonstances de chaque client. Donc nous sommes en train de créer une plateforme de prêt alternative qui peut offrir une solution dans le cas où les banques sont incapables ou réticentes.

Nous avons plusieurs investisseurs individuels qui ont la capacité de prêter et sont assez flexibles pour considérer la situation de chaque client.

Voici quelques exemples d’où nous avons pu arranger ce que nous appelons l’emprunt PEER to 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.

Avez-vous besoin d’une hypothèque Espagnole ou un conseil financier?
Vous pouvez nous contacter et nous vous répondrons le plus vite possible.

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