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All-in-One: Exclusive Real Estate and Individual Financing Solutions

The portfolio of premium property developer Glorit comprises more than 120 real estate projects in Vienna and its surroundings: Whether a modern detached house with a garden in the vineyards of Klosterneuburg and Langenzersdorf, a luxurious penthouse apartment directly on the Old Danube, or family life with the Lobau nature reserve right on your doorstep—the competent Glorit consulting team will find the right property. And, together with independent financing partners such as b4c consulting, they will also find the right financing.

"Quick Question: What exactly does independent financing consulting do?"

Ralph Decker (b4c consulting): "Independent financial consulting offers professional support in selecting financing options, such as real estate financing, loans, or investments, without being tied to specific banks or financial products. Every client has a unique life and financial situation that needs to be taken into account. Therefore, we take the necessary time to precisely understand, analyze, and discuss the client's individual situation. It's important to know: Every bank reviews different criteria and covers different target groups. It is therefore crucial to optimally prepare the documents and the financing concept. The better the presentation of the client's financial situation and the less risk the bank perceives, the more attractive the offer will be. We put a lot of effort into this phase because it lays the foundation for attractive real estate financing for our clients. Subsequently, we negotiate the respective offer with the banks to achieve the optimal solution for the client."

"Isn't an online loan calculator enough, and then I just go to the cheapest bank?"

Silvia Nahler (b4c consulting): "An online loan calculator serves, at best, for orientation. One should consider that such calculators do not take into account specific customer information. To be able to get the best possible terms, we are back to the topic of risk assessment. The lower the risk, the better the terms. Therefore, it is important that you have a contact person here who knows exactly which details need to be considered when buying real estate. Apart from that, you have a long-term contract. Here, in addition to the favorable terms, flexibility is also enormously important. You are making a decision based on the current market situation, and it is important to also have all the information on how and what you can do to best optimize your loan during the loan term. That is where it is once again important to have a trusted partner by your side who has a complete market overview."
 

With the right financing advice, you'll secure your dream property. The premium property developer Glorit realizes exclusive new construction projects in and around Vienna. A special focus is on realizing high-quality houses and apartments around the Old Danube. Read more about exclusive Glorit properties by the water.

"Quick Question: What financing solutions are currently available on the market?"

Ralph Decker (b4c consulting): "In Austria, there is a variety of financing options available, depending on the client's needs:

• Annuity Loans (Annuitätendarlehen)
• Variable Interest Loans (Variable Zins-Darlehen)
• Fixed-Rate Loans (Fixzinsdarlehen)
• Building Society Loans (Bauspardarlehen)
• Consumer Loans (Konsumentenkredit)
• Mortgage Loans (Hypothekarkredit)
• Combined Financing Solutions (Kombinierte Finanzierungslösungen)
• Bridge Financing (Zwischenfinanzierungen)

Each of these options has its specialties and must be approached with individual customization. We also find the tailor-made solution for the client in this regard."

"How do I finance my dream property?"

Silvia Nahler (b4c consulting): "Accept our offer for a non-binding financing consultation. Together, we'll discuss your individual situation and, right in the first meeting, determine which financing options are suitable for your planned apartment or house purchase. The more information you have (and give us), the more informed you can be when making one of the most important decisions of your life. A mortgage should adapt to your life—not the other way around. That's why it's crucial to establish the right foundations. Afterward, we'll need all the relevant documents to begin processing and negotiating with the banks. As soon as we have received all the offers, we will discuss them with you and explain all the advantages and disadvantages in detail. It is important to us that you understand all the specifics—because that is the only way you can make the best decision for yourself. We want to emphasize that our support does not end once the financing is complete. We will continue to advise you and are happy for you to use our service long-term. A property loan runs for many years, and it's essential to have a reliable partner by your side during this time.!

"Is financing possible without equity?" 

Ralph Decker (b4c consulting): "Yes, there are solutions for that too, but this again depends on your individual situation."

"How do you calculate the financing for a house or an apartment?"

Silvia Nahler (b4c consulting): "In order to successfully plan the financing of your house or flat, you need to calculate your own funds and the total cost of the property. The next step is to select the right type of loan, the right interest rate and the optimal term. Additional purchase costs may vary depending on whether or not you are currently eligible for a ‘fee exemption’."

Take the first step and seek support from an experienced advisor. You have nothing to lose – a no-obligation consultation can help you find the best solution for your situation and compare the best offers from banks.