Process Map

Defining the strategic roadmap, verifying credit capacity, legal and residency requirements, auditing property legal status, and selecting the optimal financing route based on current market dynamics. Completing the Harveo Concept Form is mandatory for this phase. Submit the completed file via our encrypted Harveo Cloud vault.

Assemble the documentation required for credit underwriting and application registration according to your income profile and selected bank. Submit all files via the encrypted Harveo Cloud vault, which is permanently embedded in the primary view of your Client Zone.

Upon authorization from your Lead Expert, an independent appraisal report (valuation) is commissioned. We recommend pairing this with a technical property inspection and developer agreement legal audit.

A dedicated video session where we officially process and register your mortgage applications.

Strict Requirement: This session will not be initiated until you have 100% of the required documentation assembled. Rigorous banking protocols demand full compliance—incomplete files face immediate rejection.

As a rule, we target one perfectly matched primary bank. Submitting to a secondary (backup) bank occurs only if dictated by your individual risk profile, strict deal deadlines, or earnest money deposit exposure.

While underwriting is underway, our senior insurance specialist conducts a comprehensive audit of your existing life and property policies.

We evaluate coverage adequacy, eliminate security gaps, and verify cost efficiency (relevant for 90% of clients). At this stage, we also align the required mortgage collateral insurance to protect your wealth and family.

An essential step prior to executing the credit agreement with the chosen bank. Opening a free bank account online eliminates up to an hour of physical paperwork at the branch.

We review the final positive underwriting decision. Your Lead Expert audits the terms and clarifies agreement mechanics. Once approved, we schedule a formal signing session at the bank branch.

Disbursement logistics depend strictly on transaction type. Review the dedicated workflow for your acquisition path below: