- \n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div><\/p>\nFluency in English and French of interlocutors<\/div>\n
<\/span><\/div><\/li>
\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div><\/p>\nAbility to explain very detailed products and processes<\/div>\n<\/span><\/div><\/li>
\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div><\/p>\n\nAbility to identify and explain in detail all charges with a credit process<\/p>\n<\/div>\n
<\/span><\/div><\/li>
\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div><\/p>\n\nTime available for multiple interactions related to proposals<\/p>\n<\/div>\n
<\/span><\/div><\/li>
\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div><\/p>\nAvailability to maintain active processes for extended periods, associated with physical distance and a longer time to make investment decisions<\/div>\n<\/span><\/div><\/li>
\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div><\/p>\nSupport in presentation to banks and dedicated managers<\/div>\n<\/span><\/div><\/li><\/ul><\/div>[\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1631635170656{margin-top: 0px !important;margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/onekeycredito.pt\/wp-content\/uploads\/2020\/04\/onekeycredito_reduzircustos.jpg?id=7039) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”imagem”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row_content_no_spaces” equal_height=”yes” css=”.vc_custom_1515599717265{background-color: #f5f5f5 !important;}”][vc_column width=”1\/2″ css=”.vc_custom_1517508581472{margin-top: 0px !important;margin-bottom: 0px !important;border-bottom-width: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;background-image: url(https:\/\/onekeycredito.pt\/wp-content\/uploads\/2018\/01\/onekey_creditohabitacao-1.jpg?id=2087) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”imagem”][\/vc_column][vc_column width=”1\/2″ el_class=”about-section1 vcr_float_right” css=”.vc_custom_1515523870322{margin-top: 32px !important;margin-bottom: 32px !important;border-top-width: 0px !important;border-bottom-width: 0px !important;padding-right: 10% !important;padding-left: 5% !important;}”][vc_custom_heading text=”What do banks offer and demand from non-residents?” font_container=”tag:h2|font_size:26|text_align:left” use_theme_fonts=”yes”]
- \n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>Segment customers by country\/region of origin<\/strong><\/p>\n
- \n
- – Europe<\/li>\n
- – Rest of the world<\/li>\n
- – Risk Geographies (exchange rate and economic)<\/li>\n<\/ul>\n
<\/span><\/div><\/li>
- \n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>They use the percentage of financing over the acquisition value as their main segmentation criterion:<\/strong><\/p>\n
- \n
- – 80% for citizens residing in Europe (some banks include US + Canadian + Australian citizens in this group)<\/li>\n
- – 50% to 70% (depending on banks) for Rest of the World citizens<\/li>\n
- – 50% for at-risk geographies<\/li>\n<\/ul>\n
<\/span><\/div><\/li>
- \n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>Your pricing criteria (spread) are the same as for national citizens (customer scoring and initial entry)<\/strong><\/span><\/div><\/li>\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>Offers available to non-residents that allow exemption from the life insurance requirement for initial down payments equal to or greater than 25%<\/strong><\/span><\/div><\/li>\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>They request the same type of documentation as for credit to residents, but from the country of origin, but they tend to be more demanding in terms of proof of funds and evidence of income received, namely always requiring bank statements<\/strong><\/span><\/div><\/li>\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>They only send credit decision processes after customers have a Portuguese NIF<\/strong><\/span><\/div><\/li>\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>They request translated documentation for customers from countries that do not have Spanish, French or English as their official languages, although some banks have the possibility of certifying documentation at their local agents, especially for customers from German-speaking countries.<\/strong><\/span><\/div><\/li>\n\n\n\t<\/i>\n<\/div><\/div><\/div>\n<\/div>They facilitate the opening of accounts remotely and accept that deeds are signed by power of attorney, but are especially strict when accepting powers of attorney for deeds<\/strong><\/span><\/div><\/li><\/ul><\/div>[\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1515508669754{padding-top: 8% !important;padding-bottom: 10% !important;}”][vc_column][vc_custom_heading text=”Simple Process” font_container=”tag:h2|font_size:42|text_align:center” use_theme_fonts=”yes” el_class=”title-responsive-size vcr_heading-right”][vc_column_text css=”.vc_custom_1517324249755{margin-top: 10px !important;padding-right: 20% !important;padding-left: 20% !important;}”]<\/p>\n
Carry out your simulation and fill in the proposal with your elements We will quickly respond to your request<\/p>\n
[\/vc_column_text][vc_row_inner content_placement=”middle”][vc_column_inner el_align=”center” width=”1\/4″ css=”.vc_custom_1558113640621{padding-right: 50px !important;padding-left: 50px !important;}”]
![\"\"](\"https:\/\/onekeycredito.pt\/wp-content\/uploads\/2019\/05\/passo1.png\")
<\/div>SIMULATION <\/h4>
<\/p><\/div><\/div>[\/vc_column_inner][vc_column_inner el_align=”center” width=”1\/4″ css=”.vc_custom_1558113649812{padding-right: 50px !important;padding-left: 50px !important;}”]
![\"\"](\"https:\/\/onekeycredito.pt\/wp-content\/uploads\/2019\/05\/passo2.png\")
<\/div>PRE-APPROVAL<\/h4>
<\/p><\/div><\/div>[\/vc_column_inner][vc_column_inner el_align=”center” width=”1\/4″ css=”.vc_custom_1558113657035{padding-right: 50px !important;padding-left: 50px !important;}”]
![\"\"](\"https:\/\/onekeycredito.pt\/wp-content\/uploads\/2019\/05\/passo3.png\")
<\/div>FINAL DECISION<\/h4>
<\/p><\/div><\/div>[\/vc_column_inner][vc_column_inner el_align=”center” width=”1\/4″ css=”.vc_custom_1558113664134{padding-right: 50px !important;padding-left: 50px !important;}”]
![\"\"](\"https:\/\/onekeycredito.pt\/wp-content\/uploads\/2019\/05\/passo4.png\")
<\/div>FINANCING<\/h4>
<\/p><\/div><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1515610284075{background-color: #1da5db !important;}”][vc_column][vc_custom_heading text=”CONTACT US WE ARE SPECIALISTS IN MORTGAGE CREDIT FOR NON-RESIDENTS” font_container=”tag:h2|font_size:42|text_align:center” use_theme_fonts=”yes” el_class=”title-responsive-size vcr_heading-right”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1515610284075{background-color: #1da5db !important;}”][vc_column width=”1\/2″]