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If mobility limitations are a reality that all Portuguese people have become accustomed to, home loans must also adapt to the conditions imposed by the pandemic.
UCI, a specialist in mortgage lending solutions, reinforces its advantages and introduces mortgage lending at a distance, allowing the Portuguese to obtain the financing they need to buy a house, without the need to travel. Making the most of technology and simplifying procedures, the goal is to ensure that customers feel safe throughout the process, without taking unnecessary health risks.
“In a few months, good progress has already been achieved and it is thanks to these advances that we can say that distance mortgage credit is already a reality at UCI, an advantage that we already offered to some customers, but which has now been reinforced with new tools”,says Pedro Megre, Director-General of UCI Portugal, who also adds that“streamlining the mortgage loan process could be an asset for those who have to move quickly so as not to lose the business”.
It has also become evident that it is increasingly important to provide different communication channels, different forms of contact and different ways of being with customers, in addition to the traditional one.
“As an alternative to face-to-face meetings, there are emails, mobile phones, whatsapp and remote meeting tools that are increasingly working tools that allow the home loan process to move forward.” Thus, the distance and proximity to customers is shortened. customers is real”, says the Director General of UCI Portugal.
It is in the mortgage loan simulator, available on UCI digital platforms, that interested parties will be able to start their application, and then calculate a credit scenario, the loan amount and the most appropriate installment for their case. A space designed for those who prefer 100% digital processes, but who at the same time value personalized service.
UCI‘s solutions allow total freedom to its customers, since it relieves them of the obligation to open a new bank account, to make payment or payment domiciliation or even to have an associated card, which are requirements in most banking institutions.
But it is also by simplifying the decision-making and analysis process of mortgage loans that UCI distances itself from other entities. With a focus on customer experience, “UCI has at its disposal a digital identity verification process and a digital signature of documentation that allows it to start the mortgage loan process and learn about the viability of the application remotely.” reinforces Pedro Megre, Director General of UCI Portugal.
With the possibility of using home loans at a distance, one of the advantages is being able to obtain a pre-approval of home loans without leaving home, thus knowing the amount of financing that can be obtained and adjusting the demand for a home. this value.
“Streamlining access to mortgage loans before choosing a home is a way to move forward with the process and save time, especially in times when the availability to visit properties is lower,” says Pedro Megre, adding that “having a pre-approval mortgage loans allows you to immediately say yes to the right opportunity, as long as it fits the defined conditions, which otherwise could mean more time and the loss of that opportunity. ” concludes the Director-General of UCI Portugal.