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Milan, 4 October 2023 – The increase in interest rates on mortgages by the ECB is now a daily issue for Italian families. Consumers find themselves in a situation of uncertainty and need to be guided towards the best mortgage solution for their needs, which is why relying on a credit broker can make a real difference in this historical moment. Casavo Mutui, Casavo's credit brokerage company, is Casavo Mutui was created specifically to be able to support people throughout the entire process of seeking and obtaining a mortgage, freeing them from the stress typical of this process thanks to a simple, transparent and fully remote service.
Prequalification phase: a fundamental tool in this phase of uncertainty
Casavo Mutui requires approximately 30 days to complete a mortgage application, compared to an average of 60: this is possible mainly thanks to remote management, which facilitates and speeds up the process, and a prequalification phase of the customer. Thanks to this in-depth feasibility check based on income documentation, and not on an estimate, Casavo Mutui is in fact able to maximize the acceptance rate by banks. This phase is This is particularly important as, in a volatile real estate market, it is essential to provide customers with greater certainty about their available budget and real financing options.
Full remote mode: timeliness and transparency
With Casavo Mutui, you can get a mortgage without having to interact with the bank or go to a branch. Unlike other companies, Casavo Mutui manages the typical mortgage phases completely remotely. Only the signing of the final deed and, in some cases, the opening of the account and ancillary services with the chosen bank must necessarily be carried out in person.
Casavo Mutui also handles document collection and analysis, a significant service, given that up to 50 documents can be managed for a single mortgage. Furthermore, when the property purchase is made with Casavo, the process becomes even faster because it is completely integrated into the purchasing experience. In this case, Casavo offers a turnkey service that removes the complexities from the entire buying and selling process, including the mortgage.
We are in a crucial moment for mortgages: we are witnessing an increase in installment amounts and the probability of meeting bank approval parameters is lower. Consequently, accessibility to credit is decreased, an element that adds to the already high complexity of getting a mortgage under normal conditions. For this reason, it is essential to rely on accredited experts who can recommend the best solution for your case and give the customer the tools to keep everything under control. Those applying for a mortgage today expect to have clear timing and feasibility from the beginning, and are more inclined to choose digital solutions that provide a complete service at the same time,” commented Simone Vigan, General Manager of Casavo Mutui. “Even if you have enough capital available, our advice is to consider financing part of the purchase with the mortgage, preserving liquidity, even in these market conditions. Buying a house using accumulated savings is often not an option.” the most financially advantageous choice.
A year of Casavo Mutui
In the last year, Casavo Mutui has received over 3,000 requests from customers interested in the service and has entered into partnerships with the most important banking institutions in Italy (among others, Banca Sella, BNL, Crédit Agricole Italia, Intesa Sanpaolo and Unicredit). Furthermore, starting from June 2023, Casavo Mutui has also started operations in Spain, extending its international presence.