Mortgage loan (NPL)
You buy the debt of a loan that is no longer being paid, secured by the property. It is the cheapest and the longest route: the court process has to finish or a deal must be reached with the borrower.
Home / Real estate investment
Marval Adjudicaciones — Division 02
Mortgage debt, auction rights and bank-owned homes
We connect banks and funds selling real estate assets with the people who buy them: private investors and funds. One by one or in portfolios, from Murcia (Spain).
What we sell
Three ways to buy
Auction assignment (cesión de remate)
The fund has already won the auction and assigns you the right to take the property. The road to the keys is shorter than with a loan.
Bank-owned home (REO)
The property already belongs to the bank or fund and is bought directly before a notary. It is the simplest option.
All three can be bought one by one or in portfolios of many assets.
Opportunities
Available assets
We show each asset without its exact address. Ask for the full sheet and we will send it with all the information the seller provides.
How we work
From first contact to the notary
STEP 01
Tell us what you are looking for
Asset type, area and budget. Or, if you are selling, which assets you have.
STEP 02
We send you opportunities
Only the ones that fit you, with the information provided by the fund or seller.
STEP 03
Review it calmly
Documents, charges, court status and occupancy. We answer your questions before you decide.
STEP 04
Signing before a notary
The purchase is completed before a notary. We stay with you until the signing.
Before investing
What you should know
These assets can be priced well below market value, but buying them is not like buying a normal flat. We prefer to be clear from the start.
Timing
A loan can take months or years to turn into a property, depending on the stage of the court process.
No inside viewing
Usually the property cannot be viewed inside before buying.
Occupancy
Some properties are occupied. That lowers the price but lengthens the time until you get the keys.
Paid with own funds
Debt and auction assignments are usually paid without a mortgage, with your own capital.
For funds and institutions
Do you have assets to sell?
If you are a fund, servicer, institution or portfolio owner, we help you find a buyer, for single assets and for portfolios. We treat all information confidentially.
Questions
Frequently asked questions
What is an NPL?
A non-performing loan: a loan that is no longer being paid. The buyer takes over the debt with the property as security, usually for much less than what is owed.
What is an auction assignment (cesión de remate)?
When a fund wins a property auction, it can assign the right to take the property to someone else. Whoever buys the assignment becomes the new awardee.
Can I view the property before buying?
It usually cannot be seen inside. We send you all the information the seller provides so you can decide with the facts in front of you.
Do you sell portfolios?
Yes. We handle single assets for private investors and portfolios of many assets for funds and large investors.
Do you work with private investors?
Yes. We work with private investors as well as funds and family offices.
Why is the exact address not shown?
For the seller’s confidentiality. When you ask for the full sheet we give you the location and the rest of the details.
Enquiry
Tell us what you are looking for
Let us know whether you want to invest, buy portfolios or sell, and we will get back to you.
24 h
We reply within 24 working hours. And if you need to talk sooner, call us or message us on WhatsApp on +34 613 36 08 81: you will speak to a real person, not an answering machine.