We are a Real Estate Asset Marketplace. Basically, we choose the best investment options and simplify the process so that you can make a responsible investment. We guide you in every step of the way, from the management of the mortgage loan to the follow-up of the stages in which your asset is (predevelopment, construction, in operation).

Financial capacity; knowing your income and how much of that you can destinate to an investment. Financial institutions will not give you a mortgage loan that represents more than 25% of your income, simply because they want you to be able to pay them back. So, if you earn $1.000.000 CLP, your debt should not exceed monthly payments over $250.000 CLP. At Capitalizarme.com we do what probably no one else has time to do; organize the real estate market in such a way that you have access to most profitable and valuable properties. In other words, we simplify everything so that you can worry about what's important to you.

No, at least not to our clients. All the service fees we receive comes from the Real Estate companies that want to sell their properties, and they are willing to do so because they save all the costs of marketing and sales teams thanks to our alliance.

If your mortgage loan gets rejected when the deed signature date (around 90 days before) comes up, we’ll get in touch with the Real Estate company to negotiate your way out. There are always alternatives, but it completely depends on the terms and conditions you signed in the purchase contract. There are several exit options: In some cases, there’s permission concede the deal to a third party, or in other cases the investor might supplement his or her rent with a close relative, or even in some cases he or she can dispose of it altogether under certain circumstances of force majeur. If all of the above fails, in the worst-case scenario, there’s a disposal fine, stipulated in the original contract. Most Real Estate companies charge between 10%-20% of the asset’s full price. Most commonly, this fine is charged totally or partially by not giving back the down payment, rather than charging a new outlay.

Every investment has a risk because no one can predict the future. You should know, nonetheless, that Real Estate investments are among the safest ones. There are several reasons for this:

• Stability and predictability of the returns. Market fluctuations are never as drastic as the ones that other forms of investment have.
• In Chile, Real Estate assets are valued in UF, a unit created with the purpose of valuing savings according to inflation values.
• Real Estate is a scarce and tangible asset. The land is limited, and everyone needs a place to live in.

UF stands for “Unidad de Fomento”, which translates literally to “promotion unit”. It was created in 1967 with the purpose of valuing savings according to inflation values, allowing the money saved in banks to maintain its purchasing power. In other words, when you invest in UF, the value of your money is readjusted with inflation and does not devalue as when you have it frozen in the bank. In Chile, all Real Estate properties are valued in UF.