Loan with ASNEF
Being in ASNEF does not close the door if you have a property behind you.
If you are listed in ASNEF but own a home, we can assess mortgage-backed financing: a real amount, not a micro-loan. As an independent broker we compare the lenders that do accept your case. A reply in 24 hours.
Common use
Liquidity while listed in ASNEF
Collateral
The home you own
First review
Debt, value and capacity
Feasibility dossier
Before promising anything, we study your case.
Amount of the ASNEF debt
Your home value
Current charges
Repayment capacity
Why they say no
Being in ASNEF blocks almost any loan... unless there is collateral.
How it changes with a home
With a property behind you, the conversation is different.
With ASNEF, banks and consumer lenders reject you upfront and only expensive micro-loans remain. If you own property, the conversation changes: we study a loan secured against the property, where the backing is the asset rather than your credit history, with real amounts and terms.
01
Your situation: the debt that put you in ASNEF, charges and repayment capacity.
02
Your collateral: the home value and the financeable percentage.
Common situations
When you need more than a micro-loan.
Being in ASNEF does not mean the same thing in every case. Identify yours before talking to us.
01
A real amount, not 300 EUR
You need a serious amount that micro-loans do not cover, and you have a home that can back it.
02
The bank rejects you over ASNEF
You have been turned down over your history, even though you have income and assets.
03
Self-employed or no payslip
Variable income or without the payslip the bank requires; here the collateral is what counts.
04
Get back on track
Liquidity to clear the debt that put you in ASNEF and reorganise your situation.
The Primeteka process
First clarity about your case. Then financing.
The goal is to confirm quickly whether there is potential: how much can be financed with your home, on what conditions and which lenders accept a profile with ASNEF.
01
Tell us your situation
The ASNEF debt, your income and the home you have. 5 minutes.
02
Pre-assessment in 24h
We tell you if there is a real option and with what indicative conditions.
03
Valuation and offer
We appraise the home and, if it fits, give you a conditional offer with no fine print.
04
Signing and liquidity
We support you all the way to signing before a notary. You receive the money.
Indicative conditions
What we look at before saying yes.
With ASNEF, the conditions depend heavily on each case: the collateral, the debt amount, income and risk analysis. This table is indicative.
Purpose
Liquidity, clearing the ASNEF debt, getting back on track or reorganising your situation.
Collateral
The home you own or another available property.
Amount
To be determined by the appraisal, the charges and the financeable percentage.
Profile
Residents and non-residents with a property and repayment capacity, even when listed in ASNEF.
Cost
It is usually higher than a standard loan; you will see it clearly before signing.
Notice
Service subject to review, valuation, risk approval and legal check.
Documentation
What speeds up the review.
- ID card, NIE or passport of the applicant or parties involved.
- Land Registry extract and property tax (IBI) receipt of the home used as collateral.
- Detail of the debt registered in ASNEF and of the property charges.
- Proof of income or repayment capacity: payslips, tax return or statements.
Pre-assessment
Tell us your situation with ASNEF.
With the debt you have, your income and the home you offer, we can give you a first feasibility estimate within 24 hours. In full confidentiality.
Phone: +34 677 51 91 76
Email: info@primeteka.com
Hours: Mon-Fri 9:00-18:00
Frequently asked questions
Common doubts about the loan with ASNEF.
Can I get a loan if I am in ASNEF?
With a bank or a consumer lender, usually not: they reject over the history. If you own a home, a mortgage-backed loan can be assessed, because the collateral is the property. Everything is subject to review and risk analysis.
Do banks like BBVA or Cetelem grant it?
Banks and consumer lenders usually reject those in ASNEF. As an independent broker, we compare lenders, specialist banks and private capital that do consider these cases when there is a home as collateral.
Do I need to own a home?
For this product, yes: the loan relies on mortgage-backed collateral. If you do not own a property, the usual option is micro-loans, which are not what we offer.
How much can I get?
It depends on your home value, any charges on it and the financeable percentage. That is why it is a real amount and not a micro-loan; we confirm it after the appraisal.
Can I apply if I am self-employed or have no payslip?
Yes, it can be assessed. Because it relies on the collateral, we work with self-employed people, variable income or profiles outside traditional banking, always with a reasonable repayment capacity.
Do I have to leave ASNEF first?
Not necessarily. In fact, one of the common purposes is to obtain liquidity to clear the debt that put you in ASNEF. We study it case by case.
How long does it take?
The pre-assessment takes 24 hours. Once we have the complete documentation, signing takes around 5 weeks on average.
What matters more for approval: my credit history or the collateral?
The collateral. What counts is the real value of your property, any existing charges and a reasonable ability to repay. Your history explains your past; the property backs the deal. That is why we can study cases the banks reject upfront.
You are in ASNEF, but you have a property. Let's talk.
No obligation and in full confidentiality. We tell you what documentation we need and whether your case has potential.