Credit Advisory
Comparing offers, preparing documents, and a calm path to a decision — without rush and without "magic promises".
Who is this service for
I support individuals planning to buy an apartment or house, entrepreneurs seeking financing for growth, and those who want to organize existing liabilities (refinancing, consolidation). If you also need a perspective on tax issues regarding a transaction or business, check out the scope of tax advisory.
Nature of the service
The advisory is informational and helps you prepare for a conversation with a bank or broker. The final decision on credit terms is made by the financial institution after its analysis. In case of complex legal matters or restructuring, I can point you in the right direction for cooperation with another specialist.
Scope of support
From mortgages to business financing — every area can be broken down into clear steps, documents, and a realistic schedule.
Mortgage loan
Selecting a product for your profile, estimates of installments and costs, a list of documents, and preparation for a bank meeting.
Business financing
Working capital loans, investment loans, leasing — discussing variants and what the bank usually verifies first.
Refinancing
When it makes sense to change the contract, how to calculate profitability based on costs and time — without "hurry" pressure.
Consolidation
Combining liabilities into one installment: advantages, limitations, and the risk of extending the repayment period.
Lines and limits
Discussing credit limits and cards — when they help with liquidity and when they increase costs without real benefit.
Before the decision
Comparing offers "in one place", a table of key parameters, and questions worth asking before signing.
Transparency before signing
Good credit decisions come from comparing total costs, collateral requirements, and contract flexibility — not just from the installment amount in the first year. During the consultation, you get an organized picture: what is fixed, what might change, and what questions are worth asking before finalizing the offer.
If the situation requires additional legal or accounting verification, I will point it out directly — without putting the topic off until later.
How the cooperation looks
- Short introductory call: goal, deadline, employment or company status (without unnecessary sensitive data at this stage).
- Defining the scope: e.g., "preparation for a mortgage" or "comparing two offers and a document checklist".
- Substantive work: materials, estimates, recommendations — in a form that is understandable and verifiable.
- Summary: next steps on your side (bank, notary, office) and possible follow-up after agreement.
What I need from you
- Approximate amounts, sources of income, and planned horizon (e.g., purchase within 3–6 months).
- Information about existing loans and liabilities (without the need to send scans on the first contact).
- Readiness for realistic deadlines — sometimes the best decision is the one made a week later, but consciously.