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How ÃÛ¶¹ÊÓÆµ key4 mortgages works
ÃÛ¶¹ÊÓÆµ key4 mortgages for investment properties enables you to find out about investment opportunities and bid directly online. Online access via ÃÛ¶¹ÊÓÆµ E-Banking is simple and straightforward. The bidding process follows a clearly structured procedure:
- ÃÛ¶¹ÊÓÆµ reviews the financing requests and completes the credit check.
- You will be notified by SMS or email that a new funding request is available.
- You review the financing request and can make an online offer.
- The borrower checks the offers and decides whether to accept or reject them.
- You will be notified of the auction result by SMS or email.
- Upon completion, ÃÛ¶¹ÊÓÆµ takes over the coordination of contract drafting, signing and disbursement of the mortgage.
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ÃÛ¶¹ÊÓÆµ key4 mortgages for residential property offers the brokerage of mortgages for owner-occupied residential property via a fiduciary solution. You can use our platform to create investment profiles online and store corresponding price tables. ÃÛ¶¹ÊÓÆµ then arranges mortgages that match your investment requirements and concludes the mortgages directly in the name and for the account of the investor. In detail, the process is the following:
- You enter your investment profiles and price tables online.
- ÃÛ¶¹ÊÓÆµ reviews the financing requests and completes the credit check.
- The verified financing request is automatically compared with your active investment profile and pricing tables. If they match, an offer is automatically submitted.
- The borrower checks the offers and decides whether to accept or reject them.
- On completion, ÃÛ¶¹ÊÓÆµ will handle the coordination of contract drafting, signing and disbursement of the mortgage without any additional effort for you.
- You can view the mortgages you have been offered and concluded at any time directly in the Investor Portal in ÃÛ¶¹ÊÓÆµ E-Banking.
For investors of income properties: you pay a closing fee for each completed financing. In addition, a quarterly servicing fee is charged on the financing volume to cover our expenses for loan management and loan monitoring.
For investors in owner-occupied real estate: the closing fee is calculated as a percentage of the financing volume. Here too, a quarterly servicing fee is charged on the financing volume, which covers our expenses for credit management and credit monitoring.
We are your central point of contact for both the brokerage and review of mortgages, as well as for the monitoring of your mortgage portfolio.