Mortgage financing advice

Mortgage financing advice is a key process for any individual or family wishing to acquire a property, requiring in-depth analysis and personalized support. This service extends from the first stage of feasibility analysis to the final signature at the notary’s office. Here are the different phases of the process:

1. Feasibility analysis:

Calculating financial capability: The first step is to analyze the potential buyer’s financial situation. AvantGarde Investment Solutions & Consulting examines the customer’s income, expenses and assets. It then carries out a feasibility calculation, taking into account criteria such as the debt ratio, which is generally limited to 33% of gross income.

Equity calculation: A minimum of 20% of the purchase price must come from equity, part of which may come from the 2nd pillar (BVG) or other forms of savings for a principal residence.

Cost estimate: AvantGarde Investment Solutions & Consulting estimates the monthly payments, which include mortgage interest, amortization and maintenance costs. This ensures that the project is financially viable in the long term.

2. Document collection:

Financial documents: To build a solid business case, AvantGarde Investment Solutions & Consulting helps you gather the necessary documents, such as salary slips, tax returns, bank statements and proof of assets.

Property documents: Information on the property to be acquired is also required, including building plans, property valuations and extracts from the land register.

3. Search for the best market conditions:

Consulting financial institutions: AvantGarde Investment Solutions & Consulting approaches various institutions, such as banks, insurance companies, pension funds and other financial players, to compare mortgage financing offers available on the market.

Rate negotiation: Thanks to its expertise and network, AvantGarde Investment Solutions & Consulting negotiates the best possible conditions in terms of interest rate (fixed, variable or Saron), mortgage term, and flexible repayment terms.

Loan selection: After analyzing the offers received, presentation of the most advantageous options, with a clear explanation of the contractual conditions and long-term financial implications.

4. Finalization and validation of financing:

Submitting the offer: Once the optimum financing has been selected, AvantGarde Investment Solutions & Consulting submits the offer to the chosen financial institution. It ensures that all conditions are met and that the loan is approved.

Amortization and insurance: AvantGarde Investment Solutions & Consulting helps define amortization terms (direct or indirect) and advises on the necessary mortgage insurance (life and risk insurance).

5. Signature at the notary’s office :

Coordination of parties: AvantGarde Investment Solutions & Consulting works with the notary to coordinate the signing of the deed of sale and the creation of the mortgage schedule. It verifies that all documents are in order to finalize the property purchase.

Signing: The final step is to sign the deed of purchase and mortgage documents at the notary’s office. At this point, the buyer officially becomes the owner of the property, and the mortgage funds are released to complete the transaction.

Conclusion:

Mortgage financing consultancy is a comprehensive process that includes analyzing the financial situation, collecting documents, finding the best financing conditions, and coordinating formalities with the various parties involved, right through to signing at the notary’s office. By providing tailor-made support, AvantGarde Investment Solutions & Consulting ensures that the customer obtains the most advantageous conditions, while guaranteeing the feasibility of the real estate project.