ETHNIC OCEAN is a bonded company authorized by BANCO DE PORTUGAL to control and manage mortgage processes, helping our clients to negotiate the best proposal, in order to close a simple and safe deal for the acquisition of a HOUSING.

Registration nº 3011
https://www.bportugal.pt/intermediariocreditofar/ethnic-ocean-unipessoal-lda

ETHNIC OCEAN is a bonded company authorized by BANCO DE PORTUGAL to control and manage mortgage processes, helping our clients to negotiate the best proposal, in order to close a simple and safe deal for the acquisition of a HOUSING.

Registration nº 3011
https://www.bportugal.pt/intermediariocreditofar/ethnic-ocean-unipessoal-lda

A ETHNIC OCEAN é uma empresa vinculada autorizada pelo BANCO DE PORTUGAL a controlar e gerir processos de crédito habitação, auxiliando os nossos clientes a negociar e a melhor proposta, no sentido de fechar um negócio simples e seguro de aquisição de HABITAÇÃO.

Registo nº 3011
https://www.bportugal.pt/intermediariocreditofar/ethnic-ocean-unipessoal-lda 

ETHNIC OCEAN is a bonded company authorized by BANCO DE PORTUGAL to control and manage mortgage processes, helping our clients to negotiate the best proposal, in order to close a simple and safe deal for the acquisition of a HOUSING.

Registration nº 3011
https://www.bportugal.pt/intermediariocreditofar/ethnic-ocean-unipessoal-lda

We are a brand that assumes the logic of real estate and tourism services at 360º, with integrated solutions that include traditional renting, rental management, tourism renting, buying and selling and other associated services such as water and electricity installation, removals, construction and others.

Nowadays, with easier access to home loans, the buying and selling market is increasingly in vogue, and the demand for rental properties is also increasing year by year.

Currently, with the initiatives of young renters, rehabilitate to rent, and local housing, the real estate market becomes the safest and most rational option for those looking to invest, for those who own a property, or for those looking for a house.

So, whether you are an owner, an investor, or a tenant, consult your 360º real estate and tourism business specialist now!

Our team consists of experienced professionals with extensive knowledge to suggest the best alternatives. Furthermore, we have a fully computerized system, which allows for greater agility in the search and adaptation of the property profile to the client's requests.

We are a brand that assumes the logic of real estate and tourism services at 360º, with integrated solutions that include traditional renting, rental management, tourism renting, buying and selling and other associated services such as water and electricity installation, removals, construction and others.

Nowadays, with easier access to home loans, the buying and selling market is increasingly in vogue, and the demand for rental properties is also increasing year by year.

Currently, with the initiatives of young renters, rehabilitate to rent, and local housing, the real estate market becomes the safest and most rational option for those looking to invest, for those who own a property, or for those looking for a house.

So, whether you are an owner, an investor, or a tenant, consult your 360º real estate and tourism business specialist now!

Our team consists of experienced professionals with extensive knowledge to suggest the best alternatives. Furthermore, we have a fully computerized system, which allows for greater agility in the search and adaptation of the property profile to the client's requests.

We are a brand that assumes the logic of real estate and tourism services at 360º, with integrated solutions that include traditional renting, rental management, tourism renting, buying and selling and other associated services such as water and electricity installation, removals, construction and others.

Nowadays, with easier access to home loans, the buying and selling market is increasingly in vogue, and the demand for rental properties is also increasing year by year.

Currently, with the initiatives of young renters, rehabilitate to rent, and local housing, the real estate market becomes the safest and most rational option for those looking to invest, for those who own a property, or for those looking for a house.

So, whether you are an owner, an investor, or a tenant, consult your 360º real estate and tourism business specialist now!

Our team consists of experienced professionals with extensive knowledge to suggest the best alternatives. Furthermore, we have a fully computerized system, which allows for greater agility in the search and adaptation of the property profile to the client's requests.

The mission of Casas na Hora is to lead the real estate market in Portugal, both through supply (for landlords) and demand (investors and tenants). Each CNH Store dominates the market it represents and has the necessary know-how to accompany its clients, providing a fast, personalized and flexible service.

The mission of Casas na Hora is to lead the real estate market in Portugal, both through supply (for landlords) and demand (investors and tenants). Each CNH Store dominates the market it represents and has the necessary know-how to accompany its clients, providing a fast, personalized and flexible service.

The mission of Casas na Hora is to lead the real estate market in Portugal, both through supply (for landlords) and demand (investors and tenants). Each CNH Store dominates the market it represents and has the necessary know-how to accompany its clients, providing a fast, personalized and flexible service.

• Specialization: Specialization in each business area allows for greater knowledge and depth of real estate activity, thus providing a better service to the Client.
• Convenience: We handle all matters related to the rental or purchase and sale of real estate, for the total comfort of those who seek us, making the whole process as simple as possible.
• Excellence: We seek excellence in everything we do, every day, every hour. We apply the highest standards of quality and in the permanent updating of methods and adoption of innovative techniques.
• Integrity: We are transparent and honest in our relationships with our Clients, Partners, Suppliers and Colleagues. We respect the Manual of Conduct in all our actions and decisions.
• Trust: We invest in lasting and trustworthy relationships with our Customers, Partners and Suppliers.

• Specialization: Specialization in each business area allows for greater knowledge and depth of real estate activity, thus providing a better service to the Client.
• Convenience: We handle all matters related to the rental or purchase and sale of real estate, for the total comfort of those who seek us, making the whole process as simple as possible.
• Excellence: We seek excellence in everything we do, every day, every hour. We apply the highest standards of quality and in the permanent updating of methods and adoption of innovative techniques.
• Integrity: We are transparent and honest in our relationships with our Clients, Partners, Suppliers and Colleagues. We respect the Manual of Conduct in all our actions and decisions.
• Trust: We invest in lasting and trustworthy relationships with our Customers, Partners and Suppliers.

• Specialization: Specialization in each business area allows for greater knowledge and depth of real estate activity, thus providing a better service to the Client.
• Convenience: We handle all matters related to the rental or purchase and sale of real estate, for the total comfort of those who seek us, making the whole process as simple as possible.
• Excellence: We seek excellence in everything we do, every day, every hour. We apply the highest standards of quality and in the permanent updating of methods and adoption of innovative techniques.
• Integrity: We are transparent and honest in our relationships with our Clients, Partners, Suppliers and Colleagues. We respect the Manual of Conduct in all our actions and decisions.
• Trust: We invest in lasting and trustworthy relationships with our Customers, Partners and Suppliers.

Documentation required for Home Credit

    - Citizen Card/ Identification document;
    - Last IRS declaration
    - IRS Settlement Note;
    - Proof of address;
    - Bank statement for the last 3 months;
    - Declaration of Effectiveness;
    - Wage slips for the last 3 months;
    - Contacts (e-mail and telephone);
    - Map of Responsibilities of the Bank of Portugal;
    - List of fixed monthly charges;
    - In a second phase the documentation of the property will be necessary.

Stages of the Process

• In a first meeting, our follow-up service will be presented and some forms will be filled out for authorization and data treatment and financial qualification.
• With all the documentation collected, a first analysis of viability and effort rate is made.
• If it is verified that there is approval viability, we prepare a process for presentation to several banking institutions.
• After collecting feed back from the banking partners. We meet with the client to present the various proposals so that he can choose which one he wants to proceed with, always counting on our advice.
• After the bank's final approval, the property is evaluated.
• The appraisal report will define the value of the loan and until the deed is signed, the life insurance and the multi-risk insurance associated with the mortgage are made.

Documentation required for Home Credit

    - Citizen Card/ Identification document;
    - Last IRS declaration
    - IRS Settlement Note;
    - Proof of address;
    - Bank statement for the last 3 months;
    - Declaration of Effectiveness;
    - Wage slips for the last 3 months;
    - Contacts (e-mail and telephone);
    - Map of Responsibilities of the Bank of Portugal;
    - List of fixed monthly charges;
    - In a second phase the documentation of the property will be necessary.

Stages of the Process

• In a first meeting, our follow-up service will be presented and some forms will be filled out for authorization and data treatment and financial qualification.
• With all the documentation collected, a first analysis of viability and effort rate is made.
• If it is verified that there is approval viability, we prepare a process for presentation to several banking institutions.
• After collecting feed back from the banking partners. We meet with the client to present the various proposals so that he can choose which one he wants to proceed with, always counting on our advice.
• After the bank's final approval, the property is evaluated.
• The appraisal report will define the value of the loan and until the deed is signed, the life insurance and the multi-risk insurance associated with the mortgage are made.

Documentation required for Home Credit

    - Citizen Card/ Identification document;
    - Last IRS declaration
    - IRS Settlement Note;
    - Proof of address;
    - Bank statement for the last 3 months;
    - Declaration of Effectiveness;
    - Wage slips for the last 3 months;
    - Contacts (e-mail and telephone);
    - Map of Responsibilities of the Bank of Portugal;
    - List of fixed monthly charges;
    - In a second phase the documentation of the property will be necessary.

Stages of the Process

• In a first meeting, our follow-up service will be presented and some forms will be filled out for authorization and data treatment and financial qualification.
• With all the documentation collected, a first analysis of viability and effort rate is made.
• If it is verified that there is approval viability, we prepare a process for presentation to several banking institutions.
• After collecting feed back from the banking partners. We meet with the client to present the various proposals so that he can choose which one he wants to proceed with, always counting on our advice.
• After the bank's final approval, the property is evaluated.
• The appraisal report will define the value of the loan and until the deed is signed, the life insurance and the multi-risk insurance associated with the mortgage are made.

Documentation required for Home Credit

    - Citizen Card/ Identification document;
    - Last IRS declaration
    - IRS Settlement Note;
    - Proof of address;
    - Bank statement for the last 3 months;
    - Declaration of Effectiveness;
    - Wage slips for the last 3 months;
    - Contacts (e-mail and telephone);
    - Map of Responsibilities of the Bank of Portugal;
    - List of fixed monthly charges;
    - In a second phase the documentation of the property will be necessary.

Stages of the Process

• In a first meeting, our follow-up service will be presented and some forms will be filled out for authorization and data treatment and financial qualification.
• With all the documentation collected, a first analysis of viability and effort rate is made.
• If it is verified that there is approval viability, we prepare a process for presentation to several banking institutions.
• After collecting feed back from the banking partners. We meet with the client to present the various proposals so that he can choose which one he wants to proceed with, always counting on our advice.
• After the bank's final approval, the property is evaluated.
• The appraisal report will define the value of the loan and until the deed is signed, the life insurance and the multi-risk insurance associated with the mortgage are made.