Help to apply for a loan

VERONICA CENTRO, thanks to our collaboration with the main national banks and finance agencies, can help you in applying for obtaining a loan up to 100% of the value of the property you want to buy.

VERONICA CENTRO will arrange a meeting with them to obtain a free estimate for a financial aid at the more convenient rate at the moment.
An advisor will contact you directly to arrange a meeting and explain you the most convenient type of loan according to your income so that you can calculate the monthly rate you can support to buy a house with a loan 100% of its value.
Thanks to agreements and direct relations with banks and finance agencies, you will find the most competitive loans and suitable for you whatever your job is, or whether you are resident , non resident or non EU-citizen.

Purposes and type of loan:

* Purchase
* Purchase as an investment
* home improvement
* home building

Type of property:

* Home

Standard terms:

* 5 years
* 10 years
* 15 years
* 20 years
* 25 years
* 30 years

Types of interest rates:

* Fixed rate
* Variable rate
* combinations thereof


* Fixed rate loan: the interest rate is fixed for the whole duration of the loan.

* Variable rate loan: the interest rate varies according to the trend of one or more parameters mentioned in the loan agreement.

* mixed rate loan: the interest rate can turn from fixed into variable (or vice versa) at fixed  terms and/or specific conditions mentioned in the loan agreement.

* Loan at two types of rate: the capital is divided into two rates, one is at a fixed interest rate and one is at a variable interest rate.

* Redemption: it is the gradual repayment of the loan through instalments which include a part of capital and a part of interests.

* Pre-redemption: first period of the loan during which the instalments paid include only the interests.

* Instalment: periodical payment that the borrower make to reimburse the loan following the contractual terms (monthly,  quarterly, six-monthly, yearly, etc.). The instalment is made of a part of capital, that is a part of the amount borrowed, and a part of interests, that is a part of the interests due to the bank for the loan;

* constant instalment: the sum between part of capital and part of interest remains the same for the whole duration of the loan;

* increasing instalment: the sum between part of capital and part of interests increases while the number of instalments paid decreases;

* decreasing instalment: the sum between the part of capital and the part of interests decreases while the number of instalments paid increases;

* Reimbursement in one instalment: all instalments, except the last one, are the payment of the interests. The whole capital is reimbursed in one instalment at the end of the loan agreement with the payment of the last instalment.

* Redemption schedule: it is the plan of reimbursement of the loan indicating the composition of the single instalments.