The digitalization of the mortgage sector offers new opportunities to optimize this process and make it more transparent and efficient. Platforms enable real estate professionals to offer their clients customized financing solutions that match their financial profile and specific needs. This significantly reduces mortgage processing times and accelerates the completion of real estate transactions.

Important Aspects to Consider

The first steps in applying for a mortgage can seem complicated, but with simple tricks and the support of an expert, the process can be made much easier.

1. Know the Bank's Criteria Regarding Financial Profile and Debt-to-Equity Ratio

Before beginning the mortgage application process, it is crucial to know your financial profile, as this will determine the type of financing banks will grant. It's not essential to have an excellent financial profile, but it is important to know which bank best suits your profile. A fundamental tool for improving your financial profile is careful account management from the beginning of the financing process, as all banks will audit account movements sooner or later.

One of the main indicators banks evaluate is the debt-to-income ratio, which measures the ratio of loan payments to the applicant's net income. It is generally recommended that this ratio should not exceed 35%. Banks use this indicator to analyze the applicant's solvency before approving financing. It is important to note that not all banks consider income and expenses in the same way. If the debt-to-income ratio is too high, the bank may reject the application or impose less favorable conditions.

2. Preparing for the Mortgage Application

Banks value the applicant's professional stability and financial soundness. A permanent employment contract and a positive credit history can be crucial for obtaining better terms. However, not all financial institutions evaluate the same economic and employment-related factors equally. For example, some banks equate fixed-term employment in the public sector with permanent contracts, while others consider them temporary. This knowledge can often make the difference.

Nevertheless, customers can learn in advance what requirements they must meet and what documents they will need to provide. This simplifies administration and increases the chances of success during the application process, as there is enough time to prepare all documents as best as possible.

3. Ensuring the Right Mortgage Choice

Not all mortgages are the same. Interest rates, fees, terms, and conditions vary by financial institution, so it's crucial to compare different options to get the best deals. This is something many applicants are unaware of and can lead to poor decisions. Therefore, it is important not to negotiate with the bank alone, but to consult a specialized advisor who is familiar with the bank's internal policies and can negotiate the best terms for your individual case.

This process is made more efficient by platforms that offer access to a wide range of mortgage offers without the need for physical visits. Thanks to their technology, customers can receive personalized information and compare offers transparently and quickly, accompanied by a mortgage expert who can answer any questions.

Benefits for Real Estate Professionals

The platform becomes a business tool for these professionals, as it facilitates the completion of transactions by obtaining mortgage financing for clients of brokers and real estate companies. This leads to faster and more satisfactory sales.

In addition, the platform offers added value to real estate agents and developers by allowing them to find out what financing a customer can obtain with a quick consultation of the mortgage calculator. This helps make commercial processes more efficient and with greater guarantees of success. Ultimately, real estate professionals strengthen their businesses by offering their clients faster and more secure access to mortgage financing.

Key Benefits:

• Higher success rate for purchase agreements: A customer with approved financing completes transactions faster.
• Greater transparency and trust: Support from a specialized platform provides security for the buyer.
• Time and resource savings: The digital handling of the mortgage process avoids unnecessary trips and reduces waiting times.
• Expert advice: The platform offers mortgage and financial experts who support the customer throughout the entire process.