{"id":1434,"date":"2025-08-06T11:59:29","date_gmt":"2025-08-06T11:59:29","guid":{"rendered":"https:\/\/avalteca.com\/resources\/frequently-asked-questions\/"},"modified":"2025-09-16T18:51:59","modified_gmt":"2025-09-16T18:51:59","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/avalteca.com\/en\/resources\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\n
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The Frequently Asked Questions About Mortgages<\/div>\n\n\n\n

Frequently Asked Questions About Mortgages<\/h1>\n\n\n\n
We Want You to Be Aware of Everything<\/div>\n\n\n\n
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Book your Appointment<\/span><\/span><\/span><\/a><\/div>\n\n\n\n
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Financial Assessment(FAQs)<\/h2>\n\n\n\n
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What does a financial assessment include?<\/strong><\/div><\/span><\/span><\/span><\/div>
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It includes the analysis of your income, expenses, debts, and savings capacity to determine which mortgage is viable for you.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Is it mandatory to have a financial assessment before applying for a mortgage?<\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It is not mandatory, but it is recommended to avoid rejections and negotiate better conditions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I get the assessment if I haven’t found a property yet?<\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, in fact, it’s ideal because it lets you know how far you can go before you start looking.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Mortgage Management and Processing (FAQs)<\/h2>\n\n\n\n
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What does it mean that you manage the entire mortgage process?<\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It means we handle the procedures with banks, notaries, and legal paperwork to make the process fast and without complications.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Does AvalTeca charge fees upfront?<\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No, we work on a success basis: we only charge if we secure the mortgage under the agreed-upon conditions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I choose the bank I want to work with?<\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, although we also present you with the best available alternatives.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Loan and Installment Simulation(FAQs)<\/h2>\n\n\n\n
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Is the mortgage calculator accurate?<\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No. It\u2019s a guidance tool that gets very close to reality, but the final installment depends on the conditions offered by the bank. <\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I simulate different terms and interest rates?<\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, you can adjust variables such as years, amount, or interest to see how the installment changes.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Do I need to provide my personal data to use it?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Not necessarily, although if you want to receive a personalized analysis you will need to fill out the form.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Comparison of Bank Offers<\/h2>\n\n\n\n
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Does AvalTeca work with all banks?<\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, we analyze multiple institutions so you can choose the best option, without being limited to just one.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What\u2019s the difference between doing it on your own and with AvalTeca?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Our team negotiates directly with banks and knows the real market conditions, making it easier to get better offers.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Is this an impartial service?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, our commitment is with the client, not with the financial institution.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Mortgages for the Self-Employed(FAQs)<\/h2>\n\n\n\n
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Is It More Difficult to Get a Mortgage as a Self-Employed Person?<\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, banks usually require more documentation and guarantees, but with proper preparation it is entirely possible.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What Documentation Do Banks Require from a Self-Employed Person?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Normally tax returns, VAT filings, employment history, and financial statements.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I Finance Both a Home and a Commercial Property?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, at AvalTeca we help with both the purchase of a primary or investment home as well as commercial properties for professional activity.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Mortgages for Non-Residents(FAQs)<\/h2>\n\n\n\n
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Can I Apply for a Mortgage in Spain Without an NIE?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No, having an NIE is essential to access mortgage financing in Spain.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What is the Difference Between a Resident and a Non-Resident?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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A resident is someone who lives in Spain for more than 183 days a year; all others are considered non-residents.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What Documentation Do I Need to Provide?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It depends on the country of origin, but it must always be translated into Spanish and legalized if applicable.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Mortgages for Young People(FAQs)<\/h2>\n\n\n\n
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What advantages do young people have when applying for a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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In some cases, banks offer special conditions or a higher financing percentage, especially for a first home.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Is it necessary to have guarantors?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Not always, but in many cases, young people need them to strengthen their risk profile.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I apply for a mortgage with my partner even if we are not married?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, you can apply jointly as long as you both meet the financial requirements.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Mortgages with Guarantors or Additional Collateral (FAQs)<\/h2>\n\n\n\n
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What is a guarantor in a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It is a person who takes responsibility for the debt if the mortgage holder cannot pay.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What risks does a guarantor assume?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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They are liable with their present and future assets, so they must be fully informed before accepting.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Are there alternatives to having a guarantor?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, additional collateral such as second homes or deposits can be offered.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Bridge Mortgages(FAQs)<\/h2>\n\n\n\n
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What is a bridge mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It’s a loan that allows you to buy a new home while you sell your current one.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

How long does a bridge mortgage last?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Generally between 2 and 5 years, depending on the bank and the transaction.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What happens if I don’t sell my home within that period?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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The conditions are renegotiated, or it converts into a traditional mortgage, although with a higher cost.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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100% Financing Mortgages(FAQs)<\/h2>\n\n\n\n
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Is it possible to get a 100% mortgage nowadays?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, although it’s not common. It usually requires guarantors or additional collateral. <\/p>\n<\/div><\/div><\/div>\n\n\n\n

What profiles can access this type of mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Mainly young people and families with good job stability.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What are the risks?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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By financing 100%, the installment is higher and the bank usually demands more requirements.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Property Search(FAQs)<\/h2>\n\n\n\n
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What does your property search service consist of?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Helping you find the ideal home through our collaboration with Marsant and our network of contacts with banks.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Is AvalTeca a real estate agency?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No, we work in alliance with Marsant, which is the expert real estate agency in the local market.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can you help me if I live outside of Mallorca?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, we also offer this service to non-resident clients looking for a home in the Balearic Islands.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Real Estate Investment Consulting(FAQs)<\/h2>\n\n\n\n
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Who is this service for?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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For individuals, families, and professional investors looking to make their capital profitable in the real estate market.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What does the consultancy include?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Profitability analysis, asset selection, risk assessment, and management with Marsant and financial institutions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Do you only work in Mallorca and the Balearic Islands?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, because we have in-depth knowledge of this market and have local strategic partners.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Mortgage Cancellation(FAQs)<\/h2>\n\n\n\n
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Is canceling a mortgage the same as repaying it?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No. Repaying means paying off part (or all) of the loan, while canceling means removing the mortgage from the Property Registry. <\/p>\n<\/div><\/div><\/div>\n\n\n\n

What documentation do I need to cancel a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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The zero-debt certificate issued by the bank, the cancellation deed, and the registration in the Property Registry.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

How much does it cost to cancel a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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The costs usually include notary, registry, and management fees. They depend on the initial loan amount and the bank. <\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I sell my house if I haven\u2019t canceled the mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, but in the deed of sale, the simultaneous cancellation of the mortgage must be reflected.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Renegotiation of Conditions(FAQs)<\/h2>\n\n\n\n
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What conditions can be renegotiated in a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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You can renegotiate the interest rate, terms, fees, or the requirement to link insurance and additional products.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Is renegotiation always with the same bank?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes. If you want to switch banks, you would need to carry out a subrogation. <\/p>\n<\/div><\/div><\/div>\n\n\n\n

What are the benefits of renegotiating?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It allows you to pay less interest, reduce your monthly payment, or adjust the mortgage to your current situation.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Do I need an intermediary to renegotiate?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It\u2019s not mandatory, but having specialists like AvalTeca increases the chances of success and obtaining better conditions.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Review of Insurance Associated with the Mortgage (FAQs)<\/h2>\n\n\n\n
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Is it mandatory to take out insurance with the bank that grants the mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No. The bank may require the contracting of an insurance policy, but the client is free to choose the company. <\/p>\n<\/div><\/div><\/div>\n\n\n\n

What insurance policies are usually linked to the mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Home insurance (especially against fire) and in some cases life or payment protection insurance.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I change the insurance once the mortgage is signed?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, as long as you maintain the minimum coverage required by the financial institution.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What are the benefits of reviewing my associated insurance policies?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Detect surcharges, improve coverage, and gain control over your personal finances.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Mortgage Renewal(FAQs)<\/h2>\n\n\n\n
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What does it mean to renew a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It is the updating of its conditions as it approaches maturity, adapting it to the current financial situation.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

How often is a mortgage renewed?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It depends on the contract, but it is usually considered at the end of the agreed term or when it is beneficial to renegotiate.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What options do I have when renewing?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Extend terms, modify interest rates, or change products according to your current needs.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What happens if I don’t renew my mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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The loan is considered terminated, and you will have to pay off the outstanding debt.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Mortgage Subrogation(FAQs)<\/h2>\n\n\n\n
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What is a mortgage subrogation?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It\u2019s the transfer of a mortgage loan to another bank to obtain better conditions.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What are the advantages of a subrogation?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Lower interest, reduce monthly installments, or remove unnecessary fees and ties.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

How much does it cost to subrogate a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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It depends on the bank\u2019s subrogation fee and notary and registry costs, although these are usually offset by the savings.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I subrogate any mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Yes, as long as the new bank accepts the operation and your profile is solvent.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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Guidance for First-Time Buyers<\/h2>\n\n\n\n
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Why is it important to have advice if it’s my first mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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Because it helps you avoid mistakes, save time, money, and stress during the process.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What does this service include?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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From the initial financial evaluation to negotiating with banks and support up to the signing.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Do you only work with young people?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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No, also with families and even investor profiles looking for their first acquisition.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Does AvalTeca charge for this service?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
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We work on a success-fee basis: we only charge if we secure the mortgage under the agreed-upon conditions.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n\n

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Guide to Mandatory Insurance<\/h2>\n\n\n\n
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Is it mandatory to have insurance to get a mortgage?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

Legally, only home fire insurance is mandatory, although banks often require more as a condition for granting the mortgage.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Can I freely choose the insurance company?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

Yes, as long as the insurance meets the minimum required coverage.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What is the difference between mandatory and tied insurance?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

Mandatory ones are required by law; tied ones are those the bank asks for as a condition, even if they are not strictly legally required.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Does AvalTeca sell insurance?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

No. Our service is to guide the client to make informed decisions about their policies. <\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

\n

Debt Restructuring or Consolidation<\/h2>\n\n\n\n
\n
What Is Debt Consolidation?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

It means grouping all your debts into a single mortgage, with a lower long-term installment.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

What Are the Benefits?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

It reduces monthly pressure and simplifies financial management, although it may sometimes mean paying more interest in the long run.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Who Can Apply for This Service?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

Anyone with multiple debts (loans, credit cards, etc.) who owns a property that can be mortgaged.<\/p>\n<\/div><\/div><\/div>\n\n\n\n

Does AvalTeca Negotiate Directly with the Banks?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/div><\/span><\/span><\/span><\/div>
\n

Yes, we handle the entire process to secure the best available option.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":1407,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_gspb_post_css":"#gspb_row-id-gsbp-ccef69d7-abc8{overflow:hidden;isolation:isolate}#gspb_row-id-gsbp-ccef69d7-abc8>.gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;padding:var(--gs-row-column-padding, 15px min(3vw, 20px))}#gspb_row-id-gsbp-ccef69d7-abc8>.gspb_backgroundOverlay{position:absolute;top:0;left:0;width:100%;height:100%;z-index:-1;background-color:var(--gs-colorcolor4, #0454f1);background-image:linear-gradient(137deg,#0454f1 35%,#3e61a6 64%,#0454f1 100%)}#gspb_col-id-gsbp-9e0ce349-ea78.gspb_row__col--12{width:100%}@media 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