{"id":546,"date":"2025-01-17T15:06:52","date_gmt":"2025-01-17T15:06:52","guid":{"rendered":"https:\/\/leadkash.pt\/comprar-uma-casa-ao-banco-significa-ter-financiamento-a-100\/"},"modified":"2025-02-06T10:34:00","modified_gmt":"2025-02-06T10:34:00","slug":"buying-a-house-from-the-bank-means-getting-100-financing","status":"publish","type":"post","link":"https:\/\/leadkash.pt\/en\/buying-a-house-from-the-bank-means-getting-100-financing\/","title":{"rendered":"Buying a house from the bank means getting 100% financing"},"content":{"rendered":"<p>If you are not eligible for the <a href=\"https:\/\/leadkash.pt\/en\/no-money-for-the-initial-down-payment-if-youre-under-35-you-might-not-need-it\/\">State\u2019s public guarantee when buying a house<\/a>\u2014either because you are over 35 years old or because, despite being under 35, you don\u2019t meet the conditions for its granting\u2014there is another way to secure 100% financing: purchasing a home from a bank&#8217;s portfolio.<\/p>\n<h2><strong>How do banks acquire properties for their portfolio?<\/strong><\/h2>\n<p>The properties held in banks&#8217; portfolios result from defaults on home loans previously granted.<\/p>\n<p>When a bank provides a mortgage loan, it places a lien on the property as collateral for the loan amount. If the borrower defaults and no agreement is reached during debt renegotiation, the bank enforces the lien, taking ownership of the property for the amount of the outstanding debt, which is then considered settled.<\/p>\n<h2><strong>Banks put properties up for sale<\/strong><\/h2>\n<p>Since banks are in the business of money, not real estate, they aim to sell these properties as quickly as possible to recover the loaned funds. To ensure a speedy sale, banks offer certain incentives to buyers, one of which is 100% financing for the property.<\/p>\n<h2><strong>100% Loan-to-Value Financing<\/strong><\/h2>\n<p>When granting a mortgage loan for primary residences, the Bank of Portugal caps financing at 90% of the property\u2019s value. However, this limit does not apply to properties in the banks\u2019 portfolios.<\/p>\n<p>In fact, when the property belongs to the bank, the Bank of Portugal <a href=\"https:\/\/www.bportugal.pt\/en\/page\/ltv-dsti-and-maturity-limits\">allows 100% financing as a means to facilitate the sale<\/a>. This means that if you want to purchase one of these properties, you won\u2019t need to make an initial down payment, as the loan can cover the full value of the property.<\/p>\n<h2><strong>Other Advantages<\/strong><\/h2>\n<p>In addition to 100% financing, banks offer further benefits to attract buyers:<\/p>\n<h3><strong>No Property Appraisal Costs<\/strong><\/h3>\n<p>Since the property is already owned by the bank, the appraisal is already done, meaning you won\u2019t need to pay for it. This is an additional saving compared to purchasing other properties.<\/p>\n<h3><strong>Properties May Be Priced Below Market Value<\/strong><\/h3>\n<p>Because the bank acquires the property for the outstanding debt amount and is eager to sell it quickly to recoup its funds, these properties are often listed below market value. This could be an excellent opportunity for you to secure a great deal.<\/p>\n<h3><strong>Lower Spreads<\/strong><\/h3>\n<p>Another incentive banks may offer is reduced spreads, allowing you to pay less on the loan over time, which makes the purchase even more attractive.<\/p>\n<h2><strong>Bank-Owned Property Listings Are Public<\/strong><\/h2>\n<p>You can find these properties listed through various channels, including:<\/p>\n<ul>\n<li>Banks\u2019 official websites<\/li>\n<li>Real estate agencies\u2019 websites<\/li>\n<li>Real estate platforms<\/li>\n<li>Branches of financial institutions<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are not eligible for the State\u2019s public guarantee when buying a house\u2014either because you are over 35 years old or because, despite being under 35, you don\u2019t meet&#8230;<\/p>\n","protected":false},"author":4,"featured_media":543,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[37,38,39],"class_list":{"0":"post-546","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-sem-categoria","8":"tag-baixar-custos-en","9":"tag-casas-da-carteira-do-banco-en","10":"tag-credito-habitacao-a-100-en"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>100% Financing When Buying a House from the Bank<\/title>\n<meta name=\"description\" content=\"If you aren&#039;t eligible for the State\u2019s public guarantee, there&#039;s another way to secure 100% financing: buying a house from bank\u2019s portfolio.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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