Can I choose the mortgage before choosing the house?

To choose your ideal mortgage credit, count on the help of the credit intermediaries of Poupança no Minuto, completely free! We take care of everything for you, to save you from bureaucracy and help you save: Talk to us.

Can I choose the home loan before the property?  

Before choosing the property you want to acquire, know that you do not need to wait to start dealing with your home loan.

This is so you can manage expectations regarding the maximum value that you can make available for your new home.

That is, you can contact banking institutions in advance to make simulations according to the evaluation of your creditworthiness.

The banks will analyze your income, obtain your effort rate to understand the maximum value limit that your financial context allows you to cover.

By obtaining a pre-approval of the home loan, it will be easier to choose the property by already knowing the maximum value you can offer. It will also be quicker, as it is a phase already dealt with when you want to make an offer to acquire the chosen property. This will put you in a position of advantage to negotiate the value with the seller.

Having this process resolved in advance will ensure you more space to evaluate different scenarios and to reflect on what you are looking for.

Using a credit intermediary can be ideal.

The ideal in this process will be, in fact, to get in touch with a credit intermediary who guides you through the bureaucratic part of the process.

The service of credit intermediaries, such as in Poupança no Minuto, is free and mediates between the client and various banks. Then, it collects simulations from each institution, with the conditions that each one proposes to grant according to the financial profile of the potential borrower and presents it to them.

Faced with your needs and preferences, the intermediary assigned to your process will advise you on the proposal that best suits you.

In this way, guarantees the best market conditions for your housing credit, even if you do not have the definitive choice of the property.

Want to move forward? Simulate now your mortgage, through our simulator, and give credit to your dreams!