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Provide your customers with mortgage offers along with their feasibility analysis
With the Preapproved Mortgages API, you can provide your customers with a personalized price when they arrange a mortgage loan, while showing different scenarios to them. This solution uses data documented and verified by BBVA, ensuring the highest quality and reliability of the result obtained for qualified leads. A way to offer mortgage preapproval to your customers.
The Preapproved Mortgages API is owned by BBVA S.A.

Accelerate and optimize your business with this API, which offers real-time mortgage loan pricing, always adapted to the individual needs and characteristics of each customer.
During the process, our partner will carry out a preliminary verification of the details provided by your customer, as required to handle their request.
Integrate the API into your mortgage recommendation processes without redirecting to other pages and without slowing down the acceptance of the offer by customers.
Advantages of the Preapproved Mortgages API

The Preapproved Mortgages API can be fully integrated into your business environment, providing solutions that allow you to offer mortgages through your own platform.

Potential buyers will receive a more comprehensive and realistic analysis of the financing options available.

Customers can check the result of their operation from the API in a single click, obtaining a parameterized, viable and limited price and online offer for both new and existing mortgages.
The Preapproved Mortgages API offers:
The calculations are done completely online and in less than five seconds. The customer receives information that includes the price, fees and terms and conditions in a completely transparent way.
Sending a viable and personalized offer to the customer, in a simple way and through your own website.
Full integration on the website where the properties are offered, so that the buyer can make a personalized simulation on the spot.
The Preapproved Mortgages API can be used by any company that completes BBVA’s admission process successfully and has the capacity to integrate it into its digital platform. In addition, the companies must be included in the Bank of Spain Register as financial intermediaries of real estate loans and must not charge their customers any fees directly for mortgage intermediation services.

While browsing your website, the customer accesses the mortgage application both for new mortgages and for negotiating existing mortgages.

After answering a series of questions, BBVA retrieves the personalized price for the customer, automatically and instantly.

The customer can then accept the offer directly at the partner’s website, and enter their contact details.

After accepting the offer, BBVA will contact the buyer and start providing the necessary advice, which will end after the mortgage is arranged and the property is purchased.

The Preapproved Mortgages API allows us to offer our clients a response on the feasibility of the operation and, in case of a positive response, offer a personalized price and validation in just 3 clicks. In addition to the request, through the API we receive 50 relevant pieces of information to perform the pre-risk concession, generate the personalized offer, and deliver it to the end client and/or partner. This way, the mortgage contracting process is streamlined.
Álvaro Salinero De Vicente, Head of Agent Network Transformation and Hipotech Hub at BBVA
If you have found the Preapproved Mortgages API useful, you may also be interested in BBVA’s other options.
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With the FX API you will be able to perform your FX spot and forward trades and integrate it into your internal management system.
Pay your national and international suppliers using BBVA Factoring.
Access the complete API catalog
AccessGet in touch with us to find out how our suite of APIs can turn your innovations into reality.
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