Make your dream home come true
Discover the Best Home Loan Solutions
Adapted to the needs of each consumer.
Terms of up to 480 months.
Variable, mixed or fixed interest rate.
Professional support.
Completely free of charge.
100% online request for proposal
WHO WE ARE
iCapital arose from the need to professionalize and simplify the credit intermediation process. It was founded by professionals with knowledge and experience in areas crucial to the development of this business, such as management, consultancy and marketing of financial products in banking institutions.
Its team specializes in home loans and seeks to add value to consumers by obtaining the best market conditions at no extra cost.
OUR VALUES
Resilience
We don't give up on a process easily. We look for solutions in the banking institutions that have registered with us to make your projects viable.
Professionalism and rigor
We work to the standards of professionalism and rigor appropriate to the service, procedural treatment and responses to each of our clients.
Quality of service
We value quality service, simplifying the credit process with total confidentiality to meet our clients' needs.
OUR CONDITIONS
Our personalized service and support is completely free of charge to you.
We consult the banks for you so you don’t have to travel and waste time.
We look for banking partners with the best financing conditions for your home loan.
We will accompany you every step of the way, from the first contact to the deed of your property.
HOW DO WE WORK?
01
Place your order online or contact one of our experts.
02
A credit intermediary specializing in home loans will handle your process and personalize it.
03
We consulted several banking institutions to obtain proposals with the best possible conditions.
04
Presentation and analysis of the most suitable options for you.
05
We arrange financing with the bank under the best conditions, with dedicated monitoring.
HOUSING LOAN PROCESS
Simulation request
Analysis of the best conditions
Pre-Approval
Property valuation
Final approval
Financing
By using a credit intermediary, you benefit from a simple and clear turnkey process.
FREQUENTLY ASKED QUESTIONS
The documentation required varies from bank to bank, but the essential documents for a regular application for this type of loan are:
- Citizen’s Card or Identity Card and Taxpayer’s Card;
- Last tax return and settlement note;
- Photocopy of the last 3 pay slips;
- Employer’s statement;
- Location plan of the property;
- Plan of the building or fraction;
- Proof of other income.
These documents can be supplemented by others, depending on the bank and the client’s specific situation (if they are a pensioner, if they are employed, if they are a non-resident, among others).
It is not compulsory to have an account with the institution where you want to take out the loan. However, most banks require it.
The spread is a percentage of the interest rate charged by the bank, which is basically its “profit margin”.
The EURIBOR (Euro Interbank Offered Rate) is a rate that is the average of the interest rates on loans made between banks. EURIBOR is a variable rate whose renewal in credit agreements varies every three, six or twelve months. Normally, mortgage contracts in Portugal are indexed to EURIBOR.
Nominal Annual Rate (NAR) is the rate communicated by the institutions
and which is applied to all types of operations, be they applications
financial loans or loans involving the payment of interest. In the case of
home loans with a variable interest rate, this is simply the sum of
of the spread with that of EURIBOR.
The APR can be used to compare credit offers. For proposals of
credit with the same amount, term and repayment method, the
proposal with the lowest APR is the cheapest for the customer.
The APR calculation includes:
relating to the registration of the mortgage, in the case of a credit
with a mortgage guarantee;
mandatory for loan management;
non-binding credit intermediary;
Not included:
contract;
notary costs.
The total amount charged to the consumer (MTIC) is particularly relevant
when taking out credit. Throughout the term of the loan
the interest rate or other charges may change.
For example, in loans contracted at a variable interest rate or
mixed interest rate, the MTIC is only indicative. As the interest rate on these loans can
vary over time, the MTIC may not correspond to the total amount that the customer will pay over the life of the loan.
If the other characteristics of the loan are similar:
as the interest paid will be higher;
paid more interest on it than on a similar loan with a longer term.
a shorter term.
You can use MTIC to compare offers. For the same amount and
term, MTIC allows you to compare the amount of interest and other charges you will have to
pay when you repay your credit.
Acting as a guarantee of the risk associated with the financing, there are
two insurances that banks always require when you apply for a loan to buy a house: life insurance and multi-risk home insurance.
Life Insurance
Although it is not compulsory by law, life insurance is always required by banks in order to grant a home loan.
Simply put, this insurance covers the outstanding amount of the loan in the event of the death or disability of one of the holders, which protects both the
customers or the bank.
Multi-risk insurance
Going beyond Portuguese legislation, which requires that properties in
horizontal property have fire insurance, for the granting of
for real estate financing, banks require that you take out insurance
multi-risk, an insurance policy with broader coverage that, in addition to the
fire protection, it should also include, among other things, coverings
such as natural phenomena, civil liability, floods, electrical risks
or seismic phenomena.
WHO WE WORK WITH
contacts
(Call to national mobile network)
Timetable
- Mon. Fri. | 09h00 to 19h00
100% online request for proposal