Together with you until moving in
Meeting with specialist
Professional advising, documentation collection and request submission
Signing a housing loan agreement after approval
Realization of housing loan after submission of certified documents
Meeting with specialist
Upon your first visit to Banca Intesa, your Magnifica advisor will guide you in detail in the process of approving a housing loan, help you choose a loan model and finance the cost of furnishing the apartment and help you check the complete documentation for the apartment you choose in case you have already found the apartment you want to buy. It will also acquaint you with all the costs related to raising a housing loan, as well as with the complete list of documentation that you need to submit a loan application and its realization.
After you collect your part of the documentation, you have the opportunity to submit it to your advisor by e-mail, and he will, along with the documentation he collected, prepare an application for your housing loan and send it to you also by e-mail. After you sign and send a scanned or photographed application, the advisor will formally apply for your home loan, so there is no need for you to come to the bank again.
Your home loan is approved! On your second visit to the bank, you sign a housing loan agreement. Then, if you wish, you can authorize your Magnifico advisor to pay the mortgage registration fee, insurance premium and bill of exchange upon receipt of the notarized documentation, and to pay the processing fee instead of you on the day of your loan payment.
The advisor will prepare complete documentation in advance, which must be certified by a notary as well as property-legal documentation on the basis of which the notary performs the certification and send it to you by e-mail, so you do not have to spend extra time about whether all the necessary documents have been submitted.
You hand over the notarized documentation to the Magnifico advisor on your third visit to the bank, when you will agree with him on the date of payment of your housing loan, after which you can plan to move into your new apartment. It is necessary that on the day of payment, you have enough funds in your payment account to collect the remaining costs.
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