IMS, the mortgage loan… as you wish!

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Why get a mortgage?

As a word, "loan" sometimes creates concern despite the fact that it is the most appropriate way to speed up an important purchase, such as that of a residence. However, with the right guidance from IMS, who will assess your real needs and capabilities, taking a home loan will prove to be the best solution for buying a property.
More specifically, the purposes for which one can take a home loan are the following:

  • Purchase, construction, completion, extension, improvement, repair of residence
  • Buying a plot of land
  • Refinancing mortgages of other banks
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Basic mortgage terminology

By the term housing loan we mean the granting of credit to an individual so as to proceed with the acquisition of a property.

  • LTV (loan-to-value) 
    It is an indicator that shows the relationship between the amount of the loan and the value of the property according to the bank’s engineer. For example, in a loan worth €80,000 with a property value of €100,000, the LTV ratio is 80%.

  • Capital 
    It is the amount of the home loan that the borrower receives.

  • Interest rate 
    It is the additional cost resulting from the loan amount. For the mortgage you can choose: 
    - Fixed interest rate, which remains unchanged for an agreed period of time. 
    - Floating interest rate, which is linked to euribor, plus a margin (spread), which is defined by the banking institution. 
    - Hybrid rate that is initially fixed for some years and floating for the rest of the term (e.g. first 5 years fixed and then floating).

  • Borrower 
    Is the individual person to whom the loan is issued. 

  • Guarantor 
    The guarantor is the person who becomes responsible together with the borrower for the repayment of the loan. 

  • Early partial or full repayment
    The ability to repay the loan at any time, either in full (full repayment) or in part (partial repayment), with or without penalty.

How can you get a mortgage loan? 

In order to get a mortgage loan, you can either go directly to one or more banks or to a credit broker who maintains partnerships with banking institutions and will mediate to ensure a successful and profitable transaction.

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What is a mortgage broker? 

Or in other words: what is IMS. This is the intermediary who undertakes the entire particularly timeconsuming and careful procedure for issuing a loan. In this way, the potential borrower is relieved of most of the processes (saving effort and time), significantly increases the chances of his application being approved and ensures that the loan he receives will be sustainable.

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Why turn to IMS?

IMS, as a mortgage broker, helps you make the right decisions to repay your loan without any concerns.
We dedicate the necessary time to:

  • To fully understand your needs.
  • To check your credit rating and present all your possible options.
  • To train you and advise you safely, so that together we can formulate the best solution for your own special case.
  • To ensure the most suitable loan for you.

The most important thing is that we are by your side throughout the process and offer you a personalized service.

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Αγορά Ακινήτου

Αγορά Ακινήτου: Οδηγός για να κάνετε τη σωστή επιλογή

Η επιλογή ενός ακινήτου είναι μια σημαντική απόφαση που απαιτεί προσεκτική ανάλυση πολλών παραμέτρων. Είτε πρόκειται για αγορά κατοικίας, είτε για επένδυση, τα σωστά κριτήρια μπορούν να εξασφαλίσουν την καλύτερη δυνατή επιλογή. Ακολουθούν οι βασικοί παράγοντες που πρέπει να ληφθούν υπόψη. 1. Τοποθεσία Η τοποθεσία είναι ίσως ο σημαντικότερος παράγοντας. Ένα ακίνητο σε μια προνομιακή περιοχή έχει μεγαλύτερη αξία και ζήτηση. Κριτήρια που πρέπει να εξεταστούν: Πρόσβαση σε μέσα μαζικής μεταφοράς Εγγύτητα σε σχολεία, πανεπιστήμια, νοσοκομεία, χώρους αναψυχής και εμπορικά καταστήματα. Ασφάλεια της περιοχής Μελλοντική ανάπτυξη και υποδομές 2. Τύπος και μέγεθος ακινήτου Ανάλογα με τις ανάγκες σας, πρέπει να επιλέξετε τον κατάλληλο τύπο ακινήτου: Διαμέρισμα, μονοκατοικία ή μεζονέτα Όροφος, τετραγωνικά μέτρα και διαρρύθμιση Αριθμός υπνοδωματίων και μπάνιων Παροχές όπως πάρκινγκ, αποθήκη, μπαλκόνια 3. Κατάσταση του ακινήτου Η κατάσταση του ακινήτου μπορεί να επηρεάσει σημαντικά το κόστος συντήρησης και ανακαίνισης. Εξετάστε: Αν είναι καινούργιο, ανακαινισμένο ή παλαιό Την ποιότητα της κατασκευής και τα υλικά Ενδεχόμενα προβλήματα όπως υγρασία, μούχλα ή ζημιές 4. Νομικά, τεχνικά και οικονομικά ζητήματα Πριν την αγορά, είναι απαραίτητο να ελέγξετε τα νομικά και οικονομικά θέματα του ακινήτου: Καθαρότητα τίτλων ιδιοκτησίας Υποχρεώσεις όπως δάνεια ή βάρη του ακινήτου. Τυχόν φορολογικές επιβαρύνσεις ή μεταβιβάσιμα έξοδα 5. Ενεργειακή απόδοση Η ενεργειακή κλάση του ακινήτου επηρεάζει τα λειτουργικά έξοδα και τη βιωσιμότητά του. Προτιμήστε ακίνητα με: Καλύτερη μόνωση και κουφώματα Ενεργειακά αποδοτικά συστήματα θέρμανσης και ψύξης Ανανεώσιμες πηγές ενέργειας 6. Μελλοντική αξία και επενδυτική προοπτική Αν αγοράζετε για επένδυση, πρέπει να εκτιμήσετε την πιθανή απόδοση: Ζήτηση στην περιοχή Δυνατότητα μεταπώλησης ή ενοικίασης Αναμενόμενες ανατιμήσεις στην αγορά Η επιλογή του σωστού ακινήτου απαιτεί έρευνα και προσεκτική ανάλυση. Αν λάβετε υπόψη τα παραπάνω κριτήρια, θα κάνετε μια επιλογή που θα καλύψει τις ανάγκες σας και θα αποδειχθεί αποδοτική στο μέλλον.   Δυνατότητα χρηματοδότησης του ακίνητου Η χρηματοδότηση είναι συχνά απαραίτητη για την απόκτηση ενός ακινήτου. Στην IMS, μπορούμε να σας καθοδηγήσουμε στην επιλογή του κατάλληλου στεγαστικού δανείου, προσφέροντας εξειδικευμένες λύσεις προσαρμοσμένες στις ανάγκες σας.

family

Mortgage loan

Mortgage loan for civil servants with preferential interest rate exclusively offered by IMS

IMS, taking advantage of its leading position in the banking market and recognizing the important role of civil servants in the smooth operation of our state and country, has achieved for them the most favorable financing terms for their mortgage loan. As the largest and only partner of all four major systemic banks, we take advantage of the professional stability and perspective of this working group, ensuring any significant reduction in profit margin (spread), as well as reduced administrative costs. IMS with its well-qualified economists, who have extensive experience in the banking sector, is the largest partner of the Greek banks in mediation for the issuance of a mortgage loan without any direct or indirect financial cost for the borrower. With the help of specialized consultants, we shall find together the solution that best serves your needs. We are specialized in the mediation for the issuance of mortgages on behalf of our customers and their needs. We are paid exclusively for our services by the financial institutions, at no cost for the prospective mortgage holder, whether they complete the disbursement process or withdraw at any stage of the process.

passport

Mortgage loan

Housing Loan for Residents Abroad

The relationship we have built with the banks and the large number of cases we undertake, enables us to negotiate the best terms for you and to offer high quality services regarding your mortgage. Our team has helped thousands of families buy their own home and it has mediated in more than 3,000 home loan disbursements. IMS with its well-qualified economists, who have extensive experience in the banking sector, is the largest partner of the Greek banks in mediation for the issuance of a mortgage loan without any direct or indirect financial cost for the borrower. With the help of specialized consultants, we shall find together the solution that best serves your needs. We are specialized in the mediation for the issuance of mortgages on behalf of our customers and their needs. We are paid exclusively for our services by the financial institutions, at no cost for the prospective mortgage holder, whether they complete the disbursement process or withdraw at any stage of the process.

family loan

Στεγαστικό δάνειο

Mortgage Loan Easily and Quickly

IMS, staffed by qualified economists with extensive experience in the banking field, is the largest partner of Greek banks in mediation for the issuance of a housing loan without any direct or indirect financial burden for the borrower. With the help of specialized consultants, we find together the solution that best serves your needs. Cost free credit assessment, letting you know the loan amount and interest rate we can get you on the same day. We specialize in mortgage brokerage, acting in the best interest of our clients. We are paid exclusively for our services by the banking institutions, at no cost to the prospective borrower, whether he completes the disbursement process or withdraws at any stage of the process. The contractual process for buying a house through bank financing is an affair that requires your time and attention for several weeks. Our team of expert advisors is able to handle all the necessary actions, coordinating all the parties involved for the issuance of home loans as well as guiding you to choose the best and most economical solution.

Now you can start your mortgage loan application online!

IMS provides you with all the necessary tools for quick and easy loan disbursement:

  • Submission of a mortgage loan application
  • Tracking the status of your application with updates at every stage
  • Notifications and reminders for required actions
  • Submission of supporting documents
  • Loan installment calculation with detailed information, reminders, and repayment scheduling
  • Immediate creditworthiness check
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The 7 steps for your home

In order to issue your mortgage loan, seven basic stages are followed, in which the qualified IMS consultants will guide you safely, consistently and with complete knowledge of the procedures...

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Next step, after your meeting with one of the IMS advisors, is to send your application to the bank of your choice for the amount you wish to be financed. IMS proceeds to gather your financial data, we prepare our report and send the request to the bank for evaluation. It is noted that in order to proceed with the pre-approval request it does not require that you have ended up with a property.

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After the bank evaluates your financial profile, your request receives a financial pre approval. The financial pre-approval is an official bank form, on which is written the amount pre-approved by the bank of your choice, with a specific time validity. It essentially confirms that it agrees to finance you for the amount you requested.

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After finalizing the financing amount, your request receives final approval, the bank form that essentially guarantees you the granting of a specific loan amount. You can now safely proceed to sign the purchase contract for the property.

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The final approval is followed by the signing of the property purchase contract, its transfer to the mortgage registry / land office and its presentation to the bank. The bank checks the purchase contract and the borrower’s file again. The signing of the loan agreement essentially formalizes the terms and conditions of granting the housing loan.

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After signing the loan agreement, there is an appointment with the bank’s lawyer in order to proceed with the registration of the pre-notation on the property purchase. Essentially, the pre-notation note is a form of mortgage and secures the bank, as it acts as a guarantee for the amount of the loan granted to the borrower.

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The last step of the process is the disbursement of the amount to the customer’s account, who by issuing a two-line check pays the seller of the property and the mortgage loan process is completed by presenting the notarized payment deed to the bank.

The 7 steps for your home

In order to issue your mortgage loan, seven basic stages are followed, in which the qualified IMS consultants will guide you safely, consistently and with complete knowledge of the procedures...

1
Mortgage Application
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Next step, after your meeting with one of the IMS advisors, is to send your application to the bank of your choice for the amount you wish to be financed. IMS proceeds to gather your financial data, we prepare our report and send the request to the bank for evaluation. It is noted that in order to proceed with the pre-approval request it does not require that you have ended up with a property.

2
Financial Pre-Approval
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After the bank evaluates your financial profile, your request receives a financial pre approval. The financial pre-approval is an official bank form, on which is written the amount pre-approved by the bank of your choice, with a specific time validity. It essentially confirms that it agrees to finance you for the amount you requested.

3
Legal – Technical Control
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Having received the financial pre-approval and once you have settled on a property, the bank will proceed with its inspection. The bank’s lawyer checks the legal status of the property, the engineer checks that it is urban planning legal and will assess its current commercial value, based on which the final loan amount will be finalized.

4
Final approval
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After finalizing the financing amount, your request receives final approval, the bank form that essentially guarantees you the granting of a specific loan amount. You can now safely proceed to sign the purchase contract for the property.

5
Contract signing
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The final approval is followed by the signing of the property purchase contract, its transfer to the mortgage registry / land office and its presentation to the bank. The bank checks the purchase contract and the borrower’s file again. The signing of the loan agreement essentially formalizes the terms and conditions of granting the housing loan.

6
Registered notice
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After signing the loan agreement, there is an appointment with the bank’s lawyer in order to proceed with the registration of the pre-notation on the property purchase. Essentially, the pre-notation note is a form of mortgage and secures the bank, as it acts as a guarantee for the amount of the loan granted to the borrower.

7
Disbursement
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The last step of the process is the disbursement of the amount to the customer’s account, who by issuing a two-line check pays the seller of the property and the mortgage loan process is completed by presenting the notarized payment deed to the bank.

What mortgage are you interested in?

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Calculate your mortgage installment

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