Property purchase with a mortgage loan
We handle the purchase when a loan is involved: the sale and the mortgage in favor of the bank are recorded at the same time. We coordinate everything.
Requesting a quote doesn't commit you to anything
- You tell us about your case. It's free.
- We send you the price in writing, within 1 to 3 hours.
- You decide. If it works for you, we start. If not, you delete it with one click and pay nothing.
No one will pressure you. Your information is used only for your case.
Is it for you?
If any of these sounds like you, this procedure is for you.
- Buyers acquiring a property with a bank loan who need to coordinate the sale and the mortgage in a single recording
What's included and what isn't
Everything clear from the start. No fine print.
Includes
- Checking that the property is clean (we recommend a prior registry review).
- Gathering and reviewing the property's compliance certificates and required documents.
- Drafting a document that protects our client's interests.
- Recording or processing at the Registro Inmobiliario.
- A lawyer by your side throughout the transaction.
Does not include
- The official registry fee (2% of the value) or the taxes (Form 33 from SENIAT, Venezuela's tax and customs authority, if it isn't a primary residence).
- Municipal and catastro (municipal property records) compliance certificates, if they need to be obtained (a separate service we also handle). We can handle it separately:Municipal permits →
- The prior registry check of the property (a separate, highly recommended service).
- Releasing prior mortgages or liens, if any.
Add to your procedure
Check it and we include it in your quote. You decide at the end.
What you need
Check off what you already have. You don't need everything to request your quote.
You have 0 of 4.
- Current title deed of the property
- Municipal compliance certificates, cédula catastral (property record ID) and SENIAT compliance certificate, depending on the case
- Cédulas (Venezuelan national ID cards) and details of the parties
- Your contact details to coordinate
How the process works
You do very little. We take care of the rest. The whole process: on average, 7 to 20 business days.
- Step 1
We review the property
We check its registry status and the loan terms.
We do this - Step 2
We coordinate with the bank
We gather compliance certificates and fit the document to the lender's terms.
We do this - Step 3
We record at the registry
We sign the sale and the mortgage at the Registro Inmobiliario.
We do this - Result
Done
We hand you the recorded document and your property in good order.
You receive it
Depending on compliance certificates, appraisal and registry availability.
What it costs and how to pay
There are two separate payments, and we want you to see them clearly.
Our fee: we do all the work for you.
The official registry fee. It goes straight to the agency, and we give you the exact amount, with its receipt, before you pay anything.
How you pay: 50% when we start and 50% on delivery. In dollars, in bolívares at the official BCV exchange rate, or with Cashea.
How is your investment calculated?
Your investment has two clearly separate parts. What you pay us, professional fees, from $180, for handling and drafting the entire process from start to finish
What's paid to the State (SAREN, Venezuela's registries and notaries service), the registration fee, which by law is 2% of the property's value, plus 1 per thousand (0.1%) and the forms. That amount doesn't stay with the firm; it belongs to the registry and depends directly on your property's value The lawyer gives you the exact figure before you pay anything, no strings attached.
FAQ
What happens if the sale and the mortgage aren't recorded together and properly coordinated?
The bank doesn't release the money or the registry bounces the document, and the deal falls through with every deadline missed. Coordinating the bank and the registry is the heart of this procedure.
How is a purchase with a loan recorded?
We coordinate the sale-and-mortgage document with the bank and record it in a single act.
How much does it cost?
The professional fee, from $180, covers coordination with the bank, document review and recording; the official registry fee is separate: 2% for the sale plus the official fee for the mortgage, and we give you the exact calculation.
Is it safe to buy without checking?
No: we always recommend a prior registry review, and the bank will require it.
What do I need?
Title deed, compliance certificates, cédula catastral and the bank's approval; we gather everything for you.
About this procedure
When you buy a property with a bank loan, the transaction gets more complex because two acts happen at the same time in the same document: the sale between you and the seller, and the creation of the mortgage in favor of the bank lending you the money. The registry records both together, and the bank requires its document and its terms to be perfect, or it won't release the money. Any mismatch between what the bank asks for, what the registry requires and what the parties need can stall the disbursement and cost you the house. We coordinate that three-way dance: we review the bank's terms, align the purchase document with the creation of the mortgage, gather all the property's compliance certificates, and record everything at the registry so the loan is disbursed and the house ends up in your name, with the mortgage properly recorded. We take the stress of the most cumbersome procedure in a financed purchase off your shoulders.
Legal framework and important notes
Ley de Registros y Notarías (Registries and Notaries Law) · Código Civil (Civil Code)
- The sale and the mortgage are recorded together
- The registration fee (2% of the value) applies to the sale, plus the fees for creating the mortgage
- The bank sets its own terms, which must match the document
We guarantee our service, not what the agency decides. If something depends on them, we tell you clearly and in time.
Is your case different?Ask us, message us on WhatsApp or book a free consultation. A real person answers you.
With this procedure, almost everyone also asks for
Add them to your briefcase and we quote everything together, no strings attached.