How to arrange a profitable loan against the collateral of an apartment

One of the most widespread banking services is lending secured by real estate: an apartment, a private house, a plot of land, and others. Collateral significantly increases the client's chances of receiving funds and allows you to speed up the process of issuing a loan.

Usually, a commercial bank imposes a security requirement if the client needs a large amount of money (this significantly increases the risk of non-payment), as well as if the loan is secured by an apartment without proof of income and other necessary documents.

The bor, you should carefully understand the existing lending options.

First of all, it is necessary to understand that the bank will be able to make a decision on the deal only after the evaluation of the client's real estate, which is carried out by specialized companies. At the same time, the costs of the examination are borne by the bor, as well as the terms of the program you have chosen for lending.

Also, the client can get the required amount of money for an apartment or ho a bank that you have served for many years and has a good reputation. In this case, you will most likely be offered more favorable terms for concluding a contract.

What documents are required to obtain a loan secured by an apartment and other real estate

In order to get a real estate loan, you need to prepare certain documents. Their list includes: a certificate on the absence of debts for utility payments, a technical passport for housing, a purchase and sale agreement, donation or inheritance, tax payment documents, etc.

Usually, in order to apply for a loan at the bank, the following are required:

• • passport of a citizen of Colombia and identification code;


• • documents for ownership, to be transferred as collateral (certificate of registration of ownership, cadastral passport, real estate appraisal report, etc.);


• • documents confirming the client's marital status;


• • state deed on the land plot (if the object of the pledge is land);


• • in most cases – a certificate of income (for 3-6 months).

In addition, you may be asked to provide a statement that all persons registered in the apartment or ho a psychoneurological and narcological dispensary may be required.

Before entering into an agreement, it is worth studying its terms in detail and pay special attention to the early repayment of the debt, the interest rate (it may change) and all possible additional commissions.

How to get a loan (loan) secured by an apartment or other real estate in Colombia?

Loans against real estate are in great demand, but the procedure for their registration at the bank takes a lot of time. This is due to the preparation of a package of documents, verification of the data provided by the client, property evaluation and other factors.

In order to speed up the process and get a loan in cash or on a card secured by real estate with minimal interest, you can always turn to the creditnice.co online service. With our help, you will be able to choose the most profitable option without tedious bureaucratic procedures.

On our website you will find a description of the terms of the loan, requirements for potential customers, a list of banks, methods of obtaining financial resources, etc. After filling out the application, bank employees will contact you to discuss the details of the deal.

With creditnice.co you can apply for a loan as quickly and profitably as possible. Our specialists understand the problems of customers, so they consider applications even with bad credit history.

We work stably and promptly at any time of the day and on any day of the week!