Bridge Loan and Real Estate Financing
Finance your new home before selling the old one with our specialized bridge loan. Flexible temporary financing solution for seamless property transition without timing constraints.
What Is A Bridge Loan?
The specialized bridge loan is a temporary strategic financing solution that allows you to acquire a new residential property before having sold your current old property. It effectively eliminates timing constraints and stress between purchase completion and sale settlement for seamless transition.
Short-term flexible credit generally repaid completely in one lump sum when successfully selling your current property, it offers the essential necessary flexibility to seize excellent real estate opportunities and secure advantageous investment possibilities without delay.
Financing Conditions and Credit Features
Financing Amount
Financing Up to 80%
Of the Estimated Value of the Property to Be Sold
Repayment Duration
Flexible Term 12 to 24 Months
Average Duration 18 Months with Extension Option
Annual Percentage Rate
From 2% Competitive Annual Percentage Rate*
Fixed Advantageous Short-Term Rate with Transparency
Credit Guarantee
Mortgage Security
First-Rank Mortgage on the Property to Be Sold
Main Advantages of This Credit Solution
- No Complex Chaining: Purchase your new dream property securely without stressful waiting for the sale of your current property
- Reinforced Advantageous Negotiation Position: Position as financially strong free and highly credible buyer without conditions with immediate purchasing power
- Maximum Financial Flexibility: Complete repayment upon property sale, without burdensome fixed monthly installments during transition period
- Smart Combination Possible: Strategically combinable with a conventional mortgage loan for optimal financing structure
- Complete Peace of Mind and Serenity: Perfectly organized stress-free move without pressing timing constraints or time restrictions
Access Conditions and Eligibility Criteria
Qualification Conditions of Property to Sell
- Be legal owner of the property for more than 2 years
- Property completely free of any occupation or encumbrance
- Recent professional real estate valuation by certified appraiser
- Effective active marketing of the property with sales mandate
Financial Borrower Conditions and Requirements
- Regular stable and sufficient income demonstrable
- Demonstrated ability to temporarily bear 2 parallel charges
- Personal contribution for notary fees and acquisition costs available
- No current financial difficulties or payment arrears
Required Supporting Documents for Your Application
Required Documents for Property to Sell
- Official property title and land registry extract
- Professional detailed real estate valuation by experts
- Signed exclusive sales mandate with real estate agency
- Complete mandatory real estate diagnostics current
Required Documents for Property to Acquire
- Signed sale agreement with suspensive conditions
- Detailed complete financing plan
- Comprehensive property description with technical details
- List of all suspensive conditions in sale agreement
Complete Financial Documentation File
- Income proof: 3 payslips, 2 tax returns
- Bank account statements of last 3 months detailed
- Detailed table of current monthly charges
- Complete personal asset situation and debt list
A credit commits you and must be repaid. Carefully check your repayment capacity before committing yourself.
Important Legal Information and Contractual Terms
- *Annual Percentage Rate (APR): Representative example: for a bridge loan of €200,000 over 18 months at Annual Percentage Rate of 4.2%, you repay €212,700 completely at maturity (Total credit cost: €12,700 including interest and processing fees).
- Flexible Repayment Terms: Complete repayment in one lump sum when successfully selling the property, with possibility of optional monthly interest payments during term.
- Security Guarantee and Mortgage: First-rank privileged mortgage mandatory on the property to be sold as main security.
- Mandatory Insurance: Death-disability insurance (ADI) mandatory required for complete loan security.
- Term Extension Possible: Extension option possible in case of sale delay, subject to specific conditions and after review.
Free Yourself from Burdensome Timing Constraints
Realize Your Strategic Real Estate Project Securely with Our Bridge Loan