Real estate financing to buy property in Europe

If you live in Brazil and want a property in Europe, today there are only two paths: pay in cash or try to get financing in a country where you have no banking history. CVL Capital is creating a third path — real estate financing structured specifically for Brazilians buying property in Europe, with a term designed to let you plan ahead.

Financing is structured with attention to what changes when the operation crosses a border: FX, documents and registration need to be right from the very first remittance, so the credit reaches the right destination and the property purchase goes smoothly.

Three ways to build, three different decisions

There's no single answer, because there's no single type of construction. That's why the groups are organised by construction line, each with its own term, cost and liquidity.

Traditional construction

Brickwork and conventional systems, for those who want a classic-style home or are buying a ready-built or off-plan unit. It's the path for those who prioritise the local market's established standard.

Modular construction

Units built in a factory and assembled on site, with much faster delivery and more predictable costs. Works both for living in and for expanding a development without stopping operations.

Bio-construction

Sustainable building systems, with better thermal and energy performance — today a real value differentiator in the European market. It's the most sought-after line for those building to generate extra income.

To live in or to generate extra income

All three lines serve both goals, but in different ways:

• Your own home: your own plot, a ready-built or modular unit, in the line you choose
• Tourism and hospitality: guesthouse, chalet, villa or modular accommodation, with seasonal income
• Developments: property development and land subdivision, with money arriving in step with construction
• Residential complexes: units to sell or rent out for income
• Industrial and logistics complexes: warehouses and production areas with long-term contracts

International real estate financing requires extra attention to documentation — FX, registration and the origin of funds need to be right from the very first remittance.

What's already settled and what we're still organising

The financing operation is structured in partnership with duly authorised financial institutions. The regulatory path in each destination country, and the way the purchase is settled abroad, are still being organised with the authorities and our legal advisors, country by country.

It's work that can't be rushed: each country has its own rules on fundraising, purchases by foreigners and money movement. As soon as each stage is ready, we'll announce the opening of the lines here.