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Mortgage — Zosim Imobiliare
We are with you. Real mortgage consulting.
We prepare the file, explain the risks and represent you before financial institutions. Free phone consultation. We come back with concrete steps after evaluation. We do not sell banking products.
- Document verification
- File preparation
- Free consultation
Applied banking consulting
We check the documents, prepare the file and guide you until the bank's response. No vague promises. Only clear steps.
- Personalized checklist in 24h
- File review before submission
- We explain real costs and risks
Required checklist:
Clear financial flow
Official income for the last 6 months.
Clean credit history
Payments made on time for credit products and avoiding hiding negative history.
Down payment ready
Minimum 20% recommended.
Why it's worth calling us
- Eligibility estimated in 10 minutes
- Exact list of documents for your situation
- We signal rejection risks in advance
Frequently asked questions:
Can I apply if I have other loans?
Yes, but the debt ratio must remain within limits. We calculate it quickly for you.
What down payment is realistic?
Usually 20–30%. If you have more, chances increase and total costs decrease.
How long does the process take?
From 1 to 4 weeks after submitting the complete file. We avoid resubmissions through preliminary verification.
Mortgage consulting
Documents. Eligibility. Steps.
VerificationFileCall
Quick mortgage guide
- Eligibility in 10 min
- Personalized checklist
- Free call with specialist
Free initial evaluation
Results when checklist is followed
94%
files approved from the first*
- Verified checklist + corrections before submission
- Correct documents from the start
- Clear communication with the bank
Required documents (detailed)
- - Identity document – ID card/passport, front-back copy.
- - Income certificate – last 6 - 12 months, salary, dividends, rent etc.
- - Employment contract or documents for independent activity.
- - Bank statement 6–12 months for financial flow verification.
- - Property documentation – property deeds, cadastral plan, bank evaluation etc.
Eligibility criteria (what the bank checks)
- - Income stability and source.
- - Debt ratio.
- - Credit history without major incidents.
- - Available down payment: 10–30% depending on bank.
- - Age at end of loan according to bank policy.
Practical steps — what we do
- - Free initial evaluation based on submitted information.
- - Clear checklist of documents and recommendations.
- - Preliminary file verification.
- - Assistance with submission and communication with bank.