Inheritance loan
Liquidity to move forward with an inheritance without a rushed sale.
We assess financing for heirs who need to pay taxes, clear charges, cover award costs or share out capital while the sale or regularisation of the inherited property is resolved.
Common use
Taxes and acceptance costs
Collateral
Inherited property or a linked property
First review
Case, heirs, charges and value
Feasibility dossier
Before promising money, we get the operation in order.
State of the inheritance
Property value
Charges and debts
Agreement between heirs
Locked-up assets
The value is there, but the cash does not always arrive in time.
The real problem
An inheritance can hold value and still block your cash flow.
Inherited property takes time (acceptance, division, taxes, family agreement) and the expenses arrive before the capital does. We review the case, compare financing routes and explain what fits and what paperwork is missing before moving forward.
01
Documentation and legal status of the inheritance.
02
Value, charges and the expected financial exit.
Common situations
When financing prevents rushed decisions.
Not every inheritance needs the same product. Find your situation and ask for a realistic assessment.
01
Pay inheritance tax
Liquidity for inheritance tax, municipal capital gains tax, notary, registry or steps prior to the award.
02
Share out between heirs
Capital to compensate other heirs when one wants to keep the property or buy out their share.
03
Clear charges
Assess financing for debts, seizures, prior loans or issues that prevent a normal sale.
04
Wait for a better sale
Avoid an urgent sale of the inherited property when there is room to prepare documentation, appraisal and a market launch.
The Primeteka process
Legal and financial clarity first. Financing after.
The goal is to filter quickly whether the case has potential: what can be financed, with what collateral, which documents are missing and what steps must be resolved before signing.
01
A map of the inheritance
We check whether there is a will, a declaration of heirs, acceptance, a partition record, owners, charges and an agreement between the parties.
02
Value and collateral
We check the estimated value of the property, its location, condition, possible charges and a reasonable financing percentage.
03
Financial structure
We define the use of the capital, the term, the expected exit and the financial documentation of the applicants or parties involved.
04
Offer and signing
If the case fits, we handle the proposal, appraisal, final paperwork and signing before a notary with clear conditions.
Indicative conditions
What we look at before saying yes.
The final figures depend on the valuation, registry status, charges, heir documentation and risk analysis. This table works as an initial filter for the conversation.
Purpose
Taxes, inheritance costs, clearing of charges, sharing out or temporary liquidity.
Collateral
Inherited property, an already awarded property or an additional property depending on the structure.
Amount
To be determined by appraisal, charges, purpose and financeable percentage.
Profile
Resident or non-resident heirs with verifiable documentation and the capacity to sign.
Notice
Service subject to review, valuation, risk approval and legal check of the operation.
Documentation
What speeds up the review.
- ID card, NIE or passport of the heirs or applicants.
- Will, declaration of heirs or documentation proving the inheritance right.
- Land Registry extract, property tax (IBI) receipt, an approximate valuation and detail of the property charges.
- Amount needed, use of the money and the planned course: sale, award, refinancing or keeping the property.
Pre-assessment
Tell us where the inheritance stands.
With a clear description of the property, the heirs, the urgency and the amount needed, we can reply with a first orientation.
Phone: +34 677 51 91 76
Email: info@primeteka.com
Frequently asked questions
Doubts before requesting financing.
What is an inheritance loan?
It is financing aimed at heirs who need liquidity before selling, being awarded or unblocking an inherited property. Its feasibility depends on the state of the inheritance, the documentation, the property and the risk analysis.
Can I finance the inheritance tax?
Yes, it can be assessed when the aim is to cover taxes, notary, registry or other costs needed to accept or formalise the inheritance.
Do all the heirs have to sign?
It depends on the structure of the operation and the state of the award. In most cases the position of all heirs is reviewed before proposing a solution.
Can I apply if the property has not been sold yet?
Yes, in fact one of the common uses is to gain room while an orderly sale is prepared. The analysis must confirm value, charges, ownership and an exit plan.
What makes an inheritance financeable?
Not just the property’s value: also agreement between the heirs, a clear paper trail (will, acceptance, charges) and a logical way to repay the financing, usually the sale or the final allocation. We review all of it in the initial assessment.
If the inheritance holds value, it deserves
a serious financial review.
No obligation. We tell you what documentation we need and whether the
operation has potential.