Loan with
ASNEF

ASNEF stands for ´Asociación Nacional de Establecimientos Financieros de Crédito´ which translates as ´National Association of financial companies.´ It is a credit blacklist that records people that have defaulted on their debts and payments.

If your name appears on this list, most financial companies will not offer you a loan. At Suitaprest, we can connect you to a different type of finance provider. A long as you can guarantee your loan with a property, the private capital lenders that we collaborate with can offer you the liquidity to pay off your debts. This, in turn, can enable you to clear your name from the ASNEF list.

Yes, you can. Most lenders – especially traditional banks – do not issue loans to people who are on defaulter lists such as ASNEF or RAI. This is because they believe clients with such profiles are at a higher risk of not paying their instalments.

At Suitaprest, we collaborate with private capital finance providers that offer mortgage-backed loans. With this additional guarantee, the lenders can be more flexible because the property itself acts as the loan guarantee.

If you are on the ASNEF list, most lenders will require that another person – for example a family member or friend – acts as your guarantor and signs the loan alongside you.

At Suitaprest we collaborate with lenders that do not require this. Therefore, if you are on the ASNEF list but can meet the criteria of the loan – no other guarantor needs to be involved for you to obtain your financing.

No. Whether you are in ASNEF or not will not impact the interest rate we are able to offer you.

No, you don´t. Having your case assessed is completely free of charge and there is no obligation to take out a loan. You will only start to pay once you have received the loan payment in your current account.

Once we receive your application, within 24 hours we will let you know whether we can offer you the loan based on your circumstances.

The law requires mortgage-backed loans to be signed twice, in the presence of a notary, with 10 days between the two appointments in most of Spain and 14 days in Catalunya. This is a legal requirement which sets a minimum timeframe for our processes for loans issues to individuals.

IMPORTANT: If another intermediary or lender offer you the same type of loan within a shorter timeframe, it means they are breaking the law.

The loan money is transferred to your bank account the same day you have the second notary appointment, immediately after the contract has been signed.