Obtain a private loan for a real estate purchase abroad

private credit for a real estate purchase

Opportunities to buy real estate abroad are attracting more and more people who want to invest in a good at a low price. There are many reasons for this: diversify your real estate portfolio, take advantage of a more pleasant climate or even seize an investment opportunity. In any case, the financing of the acquisition is a crucial step. This is where private credit for a property purchase abroad comes in. In this article, we'll walk you through everything you need to know about this topic and how to maximize your chances of getting a private loan for a real estate purchase abroad.

Contents

  1. What is a private loan for a real estate purchase?
  2. Why choose a private loan for a real estate purchase?
  3. The steps to obtain private credit for a real estate purchase
  4. Three tips to optimize your chances of getting a personal loan
  5. The best regions to buy real estate abroad?
  6. Conclusion on private credit for a real estate purchase abroad

What is a private loan for a real estate purchase?

A private credit for a real estate purchase is a type of loan granted by financial institutions to finance the acquisition of real estate. Unlike traditional mortgages, private loans offer greater flexibility and are generally quicker to obtain. They are particularly suitable for property purchases abroad, where regulations and conditions may vary from country to country. With a personal loan, you therefore immediately have the funds to buy the property of your dreams!

Why choose a private loan for a real estate purchase abroad?

private credit for a real estate purchase

Three reasons that will convince you to quickly take advantage of private financing for your real estate purchase.

  1. Flexibility: Private credit offers greater flexibility than traditional mortgages. Eligibility criteria are generally less strict. It is also possible to negotiate the terms of the loan according to your specific needs.
  2. Speed: Obtaining private credit for a property purchase abroad is much faster than obtaining a traditional mortgage loan. This can be particularly advantageous when it comes to seizing an investment opportunity quickly.
  3. Freedom of purchase: Once the funds are in your account, you are free to buy the good you want. Under no circumstances will you have to justify your purchase. Unlike mortgage financing, a real estate appraisal before making your purchase will not be necessary.

A last significant point also makes the private credit solution very advantageous. It is the fact of being able to waive your real estate purchase at any time. Indeed, a private loan can be repaid at any time and free of charge. This, according to the consumer credit law (Art 17 CCL).

The steps to obtain private credit for a real estate purchase abroad

Assess your ability to repay your financial needs

Before starting to look for private credit for a property purchase abroad, it is important assess your financial needs. Take into account the total cost of the purchase, the additional costs (notary, taxes, etc.), as well as your ability to repay. Once your budget is clearly fixed, you can look for the right intermediary.

Choosing a Trusted Private Credit Broker

It is essential to select a reputable private credit broker and experienced in the field of real estate purchase abroad. Take the time to read customer reviews and check provider references. To obtain private credit for a property purchase abroad, you will need to compile a complete file. This should include your personal, financial and professional information. Be sure to provide accurate and up-to-date information to facilitate the preparation of your file by your advisor. A private credit broker can accompany you throughout the process of getting your loan. It will help you find the offer that best suits your needs. Brokers often have a network of financial partners and local expertise. This will facilitate the search and the negotiation of the best conditions for your private credit for a real estate purchase abroad.

Receive the funds and buy the property of your dreams

Once your private credit agreement has been signed, the funds can be released and transferred to your account within 14 days. Make sure you follow your broker's recommendations and that all prerequisites release of funds are met. The advantage of a personal loan is therefore the speed with which you can benefit from the funds. Thus, you will not miss a possible real estate opportunity!

Three tips to optimize your chances of obtaining private credit for a property purchase abroad

? The importance of a well-prepared file

A complete and well-prepared file will facilitate the analysis of your private credit application for a property purchase abroad. Do not hesitate to seek professional help to ensure that all required documents are present and in compliance. Financial institutions more easily grant private loans for a real estate purchase abroad to borrowers with a solid profile. For improve your chances, immediately request the services of Lica. Our financial advisers will study your credit history in order to prepare a solid file!

✌ Anticipate additional costs

The purchase of real estate abroad generates additional costs. These may include taxes, notary fees or currency conversion fees. Take these costs into account when developing your budget and your private credit application. Buying real estate abroad involves uncertainties, particularly in terms of fluctuations in exchange rates and variations in the real estate market. Provide a financial safety margin to deal with possible unforeseen events. Do not hesitate to ask us for advice when applying for private credit. We benefit from a solid experience in the purchase of real estate using a personal loan.

? Do not solicit several brokers

In fact, perform several private credit applications at the same time can have negative consequences. This is because each credit application is recorded in the ZEK credit center. Too many requests in a short time can be interpreted as a sign of financial distress. In addition, one or two refusals recorded in succession in the central ZEK could even completely block you in your future steps. It is therefore strongly recommended to make only one request at a time with a recognized private credit broker.

Houda KacemHouda Kacem
13:33 09 Feb 24
Andreas HerzigAndreas Herzig
19:58 05 Feb 24
Leonora NrecajLeonora Nrecaj
16:52 03 Feb 24
I can highly recommend the advice of Mirlinda Ahmeti at Lica. She is reliable, acts quickly and finds solutions. I am very satisfied with her. ??
Exceptional professionalism from Ms. Mara Garcia and her entire team. I recommend.
Eliane RibeiroEliane Ribeiro
11:33 30 Jan 24
I would like to share my positive opinion on the services of Lica Crédit. Their professional team was efficient in processing my credit application, with competitive interest rates and flexible repayment terms. I highly recommend your services.
Giuseppe Di CarmineGiuseppe Di Carmine
13:39 26 Jan 24
Manuel is a kind and very competent person. Someone who knows how to do his job and who doesn't give up. I really recommend him.
Matteo D'ArpinoMatteo D'Arpino
19:57 18 Jan 24
Rosario D'alessandroRosario D'alessandro
10:38 18 Jan 24
Manuel is a good guy
officialvitordiasofficialvitordias
14:23 11 Jan 24
Always try until we find a solution for the customer
Marta CabralMarta Cabral
15:57 09 Jan 24
Filipa DiasFilipa Dias
14:05 05 Jan 24
Dovile TDovile T
13:22 03 Jan 24
Thank you Manuel for the professional assistance, fast and efficient feedback!
Lurdes CunhaLurdes Cunha
13:26 07 Dec 23
I would like to thank Mr. Omar Gourgel, because he was very professional, excellent advisor and efficient in his work. My husband (Mr. Artur Da Silva Cunha) and I are extremely satisfied and recommend your services.
Zeinab RkainZeinab Rkain
13:34 29 Nov 23
Nilsa TeixeiraNilsa Teixeira
17:02 16 Nov 23
The consultant Mara Garcia, in addition to being friendly, is a good professional. She is very good at what she does...
Pedro RamiaoPedro Ramiao
16:45 16 Nov 23
Ana BelloAna Bello
11:16 16 Nov 23
Mr. Omar was very professional and very attentive to my need to obtain the ceedito
Alberto FloresAlberto Flores
15:48 07 Nov 23
Hello gentlemen from LicaOf course I am satisfied with your attention, especially that of Mr. Omar Grougel, everything was a pleasant conversation with the advice to carry out this project, thank you very much for everything…Thank you Mr. Omar G
Fadil KamishiFadil Kamishi
20:44 03 Nov 23
Greetings Mr Manuel you are n1 congratulations I am very happy with the work you do for us thank you very much.
Václav PalarčíkVáclav Palarčík
18:59 03 Nov 23
Thank you very much Mrs. Mirlinda Ahmeti, she helped me a lot and always answered my questions immediately, she is the right woman, thank you.
My EmailMy Email
15:58 02 Nov 23
My experience with Miss Mirlinda Ahmeti from Lica was very helpful, she represented me very well with the lender and in the end I got the financial assistance without any problem. Regards C.W.
Renata HlaváčkováRenata Hlaváčková
14:21 02 Nov 23
I am very satisfied and Mrs. Ahmeti is very professional.Thank you very much Renata
Bekim ShalaBekim Shala
11:46 02 Nov 23
Consultant Mirlinda immediately understood my needs as a client and worked hard to achieve a positive outcome to my requests. Polite, efficient, precise, professionally competent and very empathetic personally. I highly recommend Mirlinda Ahmet
Václav PalarčíkVáclav Palarčík
10:02 27 Oct 23
Helder FilipeHelder Filipe
11:52 25 Oct 23
joao pintojoao pinto
10:08 23 Oct 23
Jules UddinJules Uddin
10:16 16 Oct 23
BlumeoBlumeo
05:13 13 Oct 23
Marcelo FerreiraMarcelo Ferreira
11:34 12 Oct 23
Excellent professional Mara Garcia
Salvatore Lo GiudiceSalvatore Lo Giudice
11:20 12 Oct 23
Manuel N^1 was very precise, a true professional.
Angela CoelhoAngela Coelho
09:39 09 Oct 23
Christian FarinaChristian Farina
09:20 09 Oct 23
It was a pleasure! Very pleasant business partner!
juan alcaldejuan alcalde
06:36 04 Oct 23
always gives solutions
Luis GarciaLuis Garcia
16:50 03 Oct 23
Paolo ChieffoPaolo Chieffo
17:17 28 Sep 23
Kimberly BallamanKimberly Ballaman
16:18 26 Sep 23
He was able to answer all our questions and help us with our request.
Nadia DeBarrosNadia DeBarros
13:13 21 Sep 23
Renaldo GjoziRenaldo Gjozi
09:18 20 Sep 23
Joaquim AzevedoJoaquim Azevedo
17:15 15 Sep 23
Antonio SimoneAntonio Simone
11:31 15 Sep 23
Thanks to Mr. Manuel a very competent person in his work thank you very much
Roberto LabanoRoberto Labano
13:24 14 Sep 23
Je voudrais dire que Mara Garcia a été excellente pour résoudre ma demande. Du début jusqu'à la fin. Je recommande à 100%. Merci Mara 🙂
Ricardo RibeiroRicardo Ribeiro
06:49 14 Sep 23
Mara Garcia took care of my order. Super friendly, attentive and always available to help. In this branch of the best I have found.
Cosimo TassoneCosimo Tassone
14:44 31 Aug 23
The consultant Manuel Ognissanti is a very good guy in his work and available, thanks to his knowledge I managed to obtain the credit. I recommend it to everyone ..?? THANK YOU MANUAL..
Ricardo Da SilvaRicardo Da Silva
08:25 31 Aug 23
Fast, no problem.
Ricardo RibeiroRicardo Ribeiro
08:19 31 Aug 23
Francesco CrisafulliFrancesco Crisafulli
11:59 30 Aug 23
available and practical! what you need in these situations.informed
PikachuPikachu
12:48 19 Aug 23
False advertising. Inability to obtain a loan. Consultant offering me no solution, except to manage on my own...I strongly advise against it and that's a shame.
Melitta CostantinoMelitta Costantino
11:06 08 Jun 23
Impeccable efficiency. From A to ZFast, clear, efficient and serious
Dave MartinsDave Martins
15:51 03 Tue 23
Mrs. Garcia, with whom I had contact from start to finish, was great, attentive and very professional, it should be noted because in this area it is very rare. I got my fat credit fast from them. I can only recommend
Rachel PittetRachel Pittet
12:33 02 Tue 23
Very satisfied, a good solution has been found. Thank you very much for your work
Rui P.SantosRui P.Santos
14:08 31 Jan 23
Excellent service, very good customer support all along the way. A real pleasure to have found them. Mara did everything to help me find a solution. Thank you
Danny FernandoDanny Fernando
14:37 25 Jan 23
Company that really gives of itself for these customers and that really tries to find solutions. Friendly service, support during all stages. Real pros. I highly recommend. Many thanks to Ms. Garcia for her professionalism and efficiency.
Flaco VerdeFlaco Verde
17:15 19 Jan 23
Many thanks to Mara for her help and efficiency.
Eugenie KouassiEugenie Kouassi
16:27 18 Nov 22
Yes I am very satisfied with Manuel, humanely available, explains clearly with professionalism, very courteous on the phone, I recommend Lica ++++++ and many thanks to Manuel!
Oberlin MichaelOberlin Michael
16:58 01 Nov 22
She really was me, she's the only one who believed in me, I find her just incredible
vincent morelvincent morel
13:14 24 Oct 22
Mara Garcia I recommend her for the credits
jaffyx leejaffyx lee
11:09 21 Oct 22
Very responsive and available
Ferreira AlbertoFerreira Alberto
08:16 09 Sep 22
Many thanks to Lica and especially to François Guss. Your efforts do not go unnoticed. Thanks for your help and support. You are truly an asset to your team and to the entire organization. Your work ethic and your involvement are admirable, we are lucky to have someone as dedicated as you on board!
Cecilia de JongCecilia de Jong
08:57 15 Jul 22
The person of my response is very professional, efficient, reliable, diligent, updates my requests at any time, I am very grateful to Omar Gourgel, who always takes good care of my file, Bravo it's magnificent and excellent! Well done! The employer should be proud of him, applaud and promote him please???????
Thelight33 WorldThelight33 World
15:14 13 Jul 22
I was very satisfied with the services of Mr. Omar Gourgel, I highly recommend him! ?
luigi caldarolaluigi caldarola
10:22 29 Jun 22
Perfect service Perfect consultant manual. Punctual, meticulous, helpful, everything went well and thank you again for the service
Nuno AlvesNuno Alves
13:12 01 Feb 22
Very easy to apply for your loan. The advisor very helpful and always there to explain what you need to do. Recommend.
bjlno familybjlno family
22:54 10 Dec 21
We obtained our financing on very advantageous terms and in record time. Despite a refusal from another bank, Lica found us a great solution. We recommend the services of this company. Thank you for your work.
Bastien HenriBastien Henri
13:22 12 Jun 20
Very good service and a real novelty in terms of financing. Thanks to the cashback the conditions are excellent!
serviceservice
22:24 10 Jun 20
Great service and very responsive to find the right solution. We gladly recommend their services.
BioponicsBioponics
19:52 20 May 20
Great service and very interesting cashback following the conclusion of my loan. I pay less each month and got the best deal on the market.
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What are the best regions to buy property abroad?

private credit for a real estate purchase

The choice of region to buy real estate abroad depends on several factors. You will have to take into account your budget, your investment objectives and above all your personal preferences. However, here are some regions that could be attractive for people who would like to buy real estate abroad using private credit:

  1. Portuguese: The Portuguese real estate market offers affordable prices and a high potential rental yield. This is particularly the case in the cities of Lisbon, Porto and in the south of the country.
  2. Spain: Property prices in Spain have fallen in recent years, providing investment opportunities at attractive prices, especially on the Costa del Sol.
  3. Croatia: Croatia offers affordable prices for property investors as well as high rental yield potential, especially in popular coastal towns.
  4. UNITED STATES : The US real estate market is attractive to foreign investors due to market stability and low interest rates, especially in cities like Miami, Orlando and New York.
  5. Thailand: The Thai real estate market offers affordable prices, a low cost of living and a high potential for rental returns, especially in the cities of Bangkok and Pattaya.

It is important to note that buying real estate abroad may involve risks and that it is essential to thoroughly research local regulations and laws before making a decision. Also, it is recommended that you consult a real estate investment expert for advice on the best investment options and potential risks.

Our conclusion on private credit for a real estate purchase abroad

Obtaining private credit for a property purchase abroad is a crucial step for people wishing to invest or wishing to take advantage of holiday accommodation. However, with a methodical approach and with the help of experienced professionals, you can optimize your chances of obtaining a private loan adapted to your needs and your real estate project.

At Lica, we specialize in private credit brokerage in Switzerland and we support you throughout your real estate purchase project abroad. contact us today to benefit from our expertise and our network of financial partners to find private credit for a real estate purchase abroad that meets your needs

Do you have questions before applying for private credit? Our advisors are there to answer your questions 7 days a week directly on WhatsApp. Ask us for more information and we will be happy to answer you!

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