Document Magement
We are experts in comprehensive mortgage processing and in the outsourcing of legal and financial services. Our clients receive high-quality service thanks to our coverage of the entire country and to the professionalism of all our associates.

With more than 500,000 successful transactions for diverse financial entities since Qipert was created, our know-how and expertise, combined with our ongoing quest for excellent service, allow us to obtain our results with the utmost efficacy. The main advantages for our clients are the company’s knowledge, speed and flexibility, thanks to its consolidated past experience and its excellent knowledge of each of our associates’ sectors. Said experience is highly useful for any cases where incidents arise or where close and personalised interaction with financial entities or official bodies is required.

This line of business is aimed at outsourcing all stages and tasks in the mortgage process, monitoring efficiency and efficacy the results obtained. Outsourcing covers the entire process from the approval of the credit transaction (risk assessment and scoring), signature by proxy, registration of the documents and subsequent issuance of the relevant securitisation reports. Our service of comprehensive mortgage management includes all the necessary processes; from the management of PRE-SIGNING formalities, SIGNING in all its forms, management of POST-SIGNING formalities, mortgage securitisation, the promotion and subrogation centre (PSC) and other services such as cancellations, the obtainment of reports, etc.

Services:

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Before signing

We want to be the best management company mortgage and real estate assets and outsourced banking processes, and quality and compliance services position us ahead of the competition with innovation, improvement and the value of company staff our main resources and strengths.

Economic Viability Analysis
Compiling and checking the documents
Financial data
Income tax
Payrolls
Working life
Work contract
Others
Legal Viability Analysis
Preparation of legal-technical report
Registered owners
Description of asset
Surface area
Type of real estate
Registration details
Encumbrances
Verification of Valuation
Mortgage Market
Address of the real estate
Type of real estate
Surface area
Registration details
Recording values
Percentage of coverage
Warnings and provisos
Preparation for Signing
Preparation of documents
Drafting of minutes
Formalisation of the loan
Coordination of the signing
Preparation of payment orders
Calculation of the escrow account
Opening of the loan and contracts
Checking and cancelling prior encumbrances


Signing

  • Signing the Attendance Model
  • Attendance in accordance with the model
  • Unilateral mortgage
  • Verbally appointed agents
  • Attorneys for the Entity
  • Signature Centre


Post signing

Registration
Collection from Notary Public, settlement and presentation at the registry
Management and rectification of defects
Management of the cancellation of encumbrances
Verification of simple copies
Pre-registration verification
Securitisation
Review of fees: valuation, insurance, deed, simple note
Verification of the information against the DB of the Financial Entity
Preparation of securitisation report
Automated appendix in the Entity’s document manager
Digital file
Digital file
Scanning and appending the whole file in TSEO
Digital delivery to the Entity
Technological Integration with Agents
Autonomous Regions: telematicpayment and presentation
Property Registers: Agreement signed with CORPME
Clients: Technological integration between platforms and digital delivery to the entity’s document manager

Success Stories:


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Dedicated formalisation centres

The Qipert Group has undertaken the opening and operation of dedicated Formalisation Centres for each client, for a number of Entities in different provinces around Spain. For this purpose, the company takes charge of the entire process, from looking for the most appropriate premises, the selection of personnel in accordance with the required profiles, definition and implementation of processes, as well as the development of measurement and control systems to improve efficiency and efficacy.


Review/audit of formalised loans

Based on a review of previously validated scoring of transactions signed for a financial entity, Qipert was capable of detecting the deviation (or lack of agreement) when comparing the detailed information in the application with the physical documents that supported it. As a result of this review, we suggested that this entity validate the information that was dumped for scoring prior to granting the loan. This allowed them to obtain real control of the approval criteria and to comply with the requirements established by the Bank of Spain, in addition to improving the quality of their lending and providing them with a better control (or the complete elimination) of excess power being delegated to its offices.


Comprehensive Advisory Process

Qipert carried out an advisory procedure for a leading on-line banking institution which was aimed at detecting inefficiencies in their process and improving their conversion ratios (applications versus formalised transactions). To do so, we reorganised and re-engineered their internal processes, proposed that they outsource different stages of the process, that they change the documents to be presented, and the way they carried out the pre-validation, obtaining both improved efficacy (earlier rejections) and better transformation ratios.

BPO
We offer outsourcing services so that financial entities can let us deal with the tasks that do not form part of their core business and, to do so, we have specialised back-office platforms, as well as the logistic support necessary for document extraction and classification.

Process optimisation is essential for our clients, so we offer them the chance to outsource and transform what were previously traditional fixed costs into variable costs, in addition to our follow-up service. We also make it possible for our clients to improve their quality, enter new markets and sell or transform parts of their businesses. We are operative, with extensive know-how and the suitable methodology to successfully outsource their processes.

Services:

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Areas of outsourcing

Liabilities and associated services
Administration of personal accounts and identifiers of natural persons
Processes of the amortisation of preferential shares
Transfers
Standing orders
Payment portfolio
Cheques
Clearing house
Assets
Administration of credits and loans of individuals and companies. Conditions of Agreements.
Promoter Loans
Administration of syndicated loans
Administration of loans in foreign currencies
Leasing, Renting, Factoring, Confirming
Review of portfolios of files
Securitisation of portfolios
Methods of Payment
Comprehensive management and logistics in the issuing business
Management of operations of the acquiring business
Management of incidents
Client loyalty campaigns
Support in the prevention of fraud
Real estate
Sale formalisation centre
Real estate purchase centre
Review of portfolio
Testamentary
Copies and simple notes, legal and solvency reports
Digitalisation of documents
Insurance
Management of the issuance of insurance policies: life and others
Testamentary
Support in the management of claims
Management of Pension Plans
Asset Intermediation / Depository
Administration ofSecurities Accounts
Financial operations
Support in the Keeping and Settlement of Operations
Information for clients
Depository
Management of financial assets
Administration of Participants of Investment and Pension Funds. Information to Participants
Valuation and administrations of CIIsand Pension Funds
Accountancy of portfolio and finances
Information to official bodies. Inland Revenue, National Securities Market Commission, Insurance Department, Bank of Spain, etc., as well as non-official ones.
Private Banking
Administration of Shareholders of Open-end Investment Companies
Valuation and administration of CIIs
Accountancy of portfolio and financial operations
Personalised reports to shareholders of Open-end Investment Companies
Information to official and non-official bodies
Contact Centre
Attracting and retaining clients
Sale of products and services
Introduction of operations in telephone banking and other channels
Support in commercial campaigns
Helpdesk, support to users
Miscellaneous conciliations
Cash accounts, payments and receipts. Movements and balance
Portfolio securities, Depository and Managers of CIIs and FPs
Portfolio operations of CII and FP Managers with intermediaries
Movements of the distributors of CIIs and FPs
Accounts with Methods of Payment operators and others

Success stories:

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Operational platform to formalise real-estate sales

The Real Estate Asset Management Department of one of the leading Financial Entities in the Spanish market had to define and implement an operational platform which would meet the needs for the formalisation of sales of real estate of its asset portfolio, with or without funding from the entity. The Qipert Group collaborated closely with the entity in the launch of the platform; it operated the latter and helped the entity to achieve the desired results:

  • Efficacy, with over 16,000 sales formalised each year.
  • Efficiency, cost improvements; the latter varied depending on the activity, achieving a platform with very high productivity.

Back-office Service

In a short time, a financial entity in the Spanish market developed its Corporate Banking business and achieved the desired level of business. In order to increase the efficiency of the operational platform supporting the administration of syndicated loans, the Qipert Group collaborated with the Entity in the provision of the Back-Office service, support to this department, administering the syndicated loan operations with a high level of service quality.
To achieve these objectives, it was necessary to organise the operational platform in three different areas: in scope and management, which corresponded to the support to offers, funding and formalisation. The joint management of the three areas facilitates incident resolution or possible bottlenecks in some of them, thereby achieving the hoped-for efficacy, as they are rapidly detected.


Debtor Protection in Financial entities

The Qipert Group addresses the needs of financial entities deriving from the regulation they are subject to, develops related services in the sphere of protection to the debtor in financial entities (review and adaptation of the files with the Mortgage Loan Reference Index (IRPH) and the index of the Spanish Confederation of Savings Banks(CECA) / Adaptation of the floor rate clauses / Exclusion threshold of debtors). The most recent need identified was that the IRPH and CECA reference indices disappeared from the 1st of November 2013. The Qipert Group provided the financial entities with a service which covered that process and the processing of files.

A financial entity entrusted the Qipert Group with the review of files of its mortgage portfolio in order to ensure the quality of the data in the entity’s systems, and also to carry out the elimination of the IRPH interest rate of reference.

To carry out these activities in record time, the financial entity and the Qipert Group collaborated on the preparation of the necessary operational platform, with a large back-office staff in the entity’s central archive, working in different shifts.

Alongside this, in order to locate the files which, in some cases, were not in the central archive, the Qipert Group collaborated with the entity in the identification of these in the offices, and in sending them to the operationalback-officeplatform of the archive for management.

REA
We provide a comprehensive service of acquisition, physical adaptation, documentary and legal regularisation, as well as the maintenance and transfer of real estate for sale or lease, adapting ourselves to the new situation of the real-estate market.

The Real-Estate Administration division has developed a catalogue of services adapted to the new situation in the real-estate market with the clear objective of meeting the needs and expectations of the financial entities in an area that falls outside their normal management, and in which Qipert offers them quality services in a solvent and effective manner. We have professionals with thetechnical qualifications that are required for each project. Adaptability, professionalism and commitment are the mainstay of a young and completely dedicated team.

Services:

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Physical adaptation of assets

Initial Physical Adaptation
Removal and change of locks
Basic and special cleaning
Removal of furniture and fittings
Painting
Disinfection, insect extermination, pest and rodent control treatments
Clearing and fencing off land
Signs: Supply and placement of For Sale signs and removal once sold
Visit to and inspection of the assets
Comprehensive management of keys: location of keys of common elements, labelling, storage in fireproof cabinet and control/receipt of keys of third parties.
Report on the condition of the asset, including a photo-report showing its situation.
Physical maintenance of the real estate
Repair of defects, breakages and one-off incidents in the real estate.
Periodic maintenance of the property (periodic cleaning, ventilation, raising and lowering blinds, etc.).
Coverage
Specialised team of professionals and multiservice companies, our own and external, countrywide.
Call Centre 24/365, which handles emergencies in order to avoid damage to third parties.
Other Services
Preparation, management and registration of energy efficiency certificates
Attendance and accompaniment to investors for on-site analysis and inspection of real estate of portfolios close to sale
Assistance to valuators
Attendance at and management of visits to the assets in order to promote the sale or rental of the assigned assets.
Attendance at launches, accompanying the Legal Commission and, where required, carrying out the necessary removal of locks at the property.
After-sales of promotions
Maintenance of promotions
Finalisation of promotions
Studies and valuations of land


Financial Management

Comprehensive debt management
where the work of location of the administrative body will be carried out, identification and analysis of letters of payment and reports requested, acquisition of payment commitments of a periodical nature and regularisation of those debts
Comprehensive management of payments: Payment to suppliers, charges, local taxes and levies and homeowners’ associations (HAs).
Management and payment of capital gains tax, in the sales phase.
Management and payment of recurrent expenses, i.e. those periodical payments which arise during the lifetime of the asset, while it is owned by the financial entity.
Other Procedures
Incorporation of homeowners’ associations
Attendance at ordinary and extraordinary meetings at the request of the owner
Exercise of the position of chair of the association


Legal Registration Management

Legal Registration Management
Collection from notary public (transfers/purchases),or from the attorney (rulings, testimonies or assignments)
Payment of the taxes deriving from the acquisition or transfer
Presentation, tracking of registration and collection from registry.
Other Procedures
Comprehensive change of ownership at the land registry, homeowners’ association and suppliers
Management of first occupancy licence and/or certificate of fitness for occupation.
Proceduresaimed at eviction due to illegal occupation of the property.
Confirmation of the act of occupation
Reporting and ratification of the illegal occupation
Appearance in court
Negotiation with the occupiers
Other services aimed at the prevention of occupation
Management of the acquisition contract, in the sale phase, and formalisation of rental contracts, as well as monitoring of the expiry dates and cancellation contracts of these.
Monitoring and tracking of the legal proceedings which take place in relation to these procedures.
Presentation of appeals to the public administrations in the case of transfers of responsibility or letters of payment erroneously issued or where amounts are attributed which do not apply in the name of the client.


Commercial Management

Commercial Management
Commercial management of assets, mainly in rental, by means of our own portals (Habitat Soft) and external portals (Pisos.com, tucasa.com, enalquiler and globaliza).
Commercial actions to identify market niches which make it possible to expand the catalogue of services to meet all the needs of our current and potential clients


Rent Management

Rent Management
Identification of possible tenants
Validation of candidates in accordance with the owner’s requirements
Preparation and signing of contracts
Management of non-payment insurance
Management of damage insurance
Management of tenants
Extrajudicial management in the case of non-payment
Judicial management (start of proceedings, filing of claim)


Administrative Management

Administrative Management
Verification of physical files and computer applications of FEs
Updating of digital media.
Cleanup and regularisation of real estate portfolios.
Validation of information.
Additional procedures related to the above tasks.

Success Stories:


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Physical Adaptation

Over the course of our history we have managed more than 16,000 assets under adaptation, complying with the client’s SLAs and rapidly implementing the services assigned. We are pioneers in the search for suppliers that consolidate our own network and we stand out due to the adaptation and connectivity of our in-house applications and outsourced applications, as well as to our high management capacity (up to 1,000 services provided monthly).


Regularisation of Legal Registration

The REA division has re-engineered the internal processes so that the old projects with deficient management have been transformed and adapted to our clients’ requirements, thus obtaining access to new bid and tender procedures, as well as consolidating the Qipert Group as a supplier of management services for asset dation, foreclosures and sale


Energy Certification

With the publication of Royal Decree 235/2013, of 5 April on Energy Certification, after 1 June 2013 it is necessary for all housing and commercial premises that are put up for sale or lease to obtain the relevant certificate of energy efficiency. In the REA we became a supplier of such services, implementing them in record time and accepting the engagement of different financial entities to do so. Thus, the Qipert Group has consolidated itself as a leading supplier of the new services required by the market’s evolution


Financial Management

The Qipert Group manages more than 26,000 assets from different financial entities in the regularisation and maintenance of Community debt. The satisfaction with the services rendered, and the ability of the Group to adapt to the requirements that were progressively launched by the entity, was recognised in several meetings and is the reason they consider us their lead supplier. This project is one more example of the degree to which our company is committed to new projects, developing in-house applications and adapting them to the needs of each service.

Real-estate Commercialisation
Proyecta, which is a company with presence in the national market and which forms part of the Qipert Group, focuses on real-estate commercialisation through its team of professionals in the fields of real-estate assessment, sale and lease.

Services:

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Advertising

Advertising
Our own and external online media
Press
Mailing and leafleting
Posters
Showcase and on-site office
SMS and email
Campaigns, events and open doors
Contacts in family office and investment groups
Sales channels
Own sales team
Network of real estate centres (at least one per province)
Network of collaborating agents
Ad-hoc sales team: on promotions and campaigns
Contact Center
Visits to the property
Management of offers
Close and sale of the real estate
Management of land in all its development phases
Market studies at national level
Analyses and studies of global portfolios of real estate assets

Success Stories:


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Real-estate Valuation for Investment Funds

Thanks to the speed, efficacy and knowledge of the market in the different territorial centres that make up our national network, we have sufficient resources to address valuation services country wide. Qipert carried out 569 drive-by valuations in a period of 10 days, a milestone for our company.


Commercialisation of more than 80,000 assets throughout the country

We have managed to cover every province and practically 100% of the financial sector, providing quality service in the commercialisation and valuation of these financial institution’s foreclosed assets.

International
Aware of the importance of geographic diversification, we have now entered the market in Mexico. We now have our own offices and are able to offer coverage in all of Mexico’s main cities. As to services, they mainly consist of BPO, Real-estate Administration, Mortgage Management and Advisory Services. Our next destinations will be Colombia, Chile and Peru.

In addition to Qipert’s general services, we have developed a specific service for fraud prevention, which goes from reviewing the scoring itself, updating it, and validating the support documents, which allows entities to take palliative and risk-prevention measures.

Services in Mexico:

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Mortgage Management/Formalisation

Analysis of the mortgage process
Economic viability
Analysis of Legal Viability
Verification of Valuations
Preparation for Signing
Securitisation of portfolios
Digital File
Improvement proposal
Design of the process to be outsourced
Scope of the service
Tariff proposal
SLAs
thers
Implementation of the service at national level
Adaptation and transfer of TSEO technology
Recovery of testimonies


Anti-fraud

Prior tothe Assignmen
Review and Updating of Scoring
Review of the documents provided by the client
Verification of the documents provided by the client in order to ensure that inaccurate or altered information is not presented
Economic review of the data provided by the client
Legal review of real estate (for mortgage loans)
Verification of the legal viability of the real estate to be mortgaged and its value declared in the valuation
After the Assignment
Sampling and issue of a summary report of the status of its credit portfolio.


Promoters

Promoters
Establishing a specific channel for Real Estate Promoters.
Appointing an Agent for each Development, both for the commercialisation of financial products and for the administrative management of the loans.
Carrying out specific price and product policies for Developments.
Improving communication channels between the bridging loan and mortgage loan departments, to achieve the advantages of early information.
Interacting with the other agents (Notaries and Valuators) to improve response times.


Automotive

Improving the sale of vehicle credit
Implementing aTSC (telephone service centre) with experience in sales, persuasive, skilled in negotiation and focussed on targets and objectives
Complete integration of the file
Making the appropriate verifications to prevent fraud with regard to inaccurate documents which may be presented by the client
Centralising the operation
In an application and controlling those involved in the operations (call centre, evaluation and insurance), with a view to improving response times
Supervising the correct instrumentation of contracts
With regard to the financial clauses and insurance, giving security in respect of the authorised amounts of credit


BPO

Liabilities and associated services
Administration of personal accounts and identifiers of natural persons
Processes of the amortisation of preferential shares
Transfers
Standing orders
Payment portfolio
Cheques
Clearing house
Assets
Administration of credits and loans of individuals and companies. Conditions of Agreements.
Promoter Loans
Administration of syndicated loans
Administration of loans in foreign currencies
Leasing, Renting, Factoring, Confirming
Review of portfolios of files
Securitisation of portfolios
Methods of Payment
Comprehensive management and logistics in the issuing business
Management of operations of the acquiring business
Management of incidents
Client loyalty campaigns
Support in the prevention of fraud
Real estate
Sale formalisation centre
Real estate purchase centre
Review of portfolio
Testamentary
Copies and simple notes, legal and solvency reports
Digitalisation of documents
Insurance
Management of the issuance of insurance policies: life and others
Testamentary
Support in the management of claims
Management of Pension Plans
Asset Intermediation / Depository
Administration ofSecurities Accounts
Financial operations
Support in the Keeping and Settlement of Operations
Information for clients
Depository
Management of financial assets
Administration of Participants of Investment and Pension Funds. Information to Participants.
Valuation and administration of CIIsand Pension Funds
Accountancy of portfolio and finances
Information to official bodies. Inland Revenue, National Securities Market Commission, Insurance Department, Bank of Spain, etc., as well as non-official ones.
Private Banking
Administration of Shareholders of Open-end Investment Companies
Valuation and administration of CIIs.
Accountancy of portfolio and financial operations
Personalised reports to shareholders of Open-end Investment Companies
Information to official and non-official bodies.
Contact Centre
Attracting and retaining clients
Sale of products and services
Introduction of operations in telephone banking and other channels
Support for commercial campaigns
Helpdesk, support to users
Miscellaneous conciliations
Cash accounts, payments and receipts. Movements and balance
Portfolio securities, Depository and Managers of CIIs and FPs
Portfolio operations of CII and FP Managers with intermediaries
Movements of the distributors of CIIs and FPs
Accounts with Methods of Payment operators and others.


Administration of Real Estate Assets

Implementation of CSs
For the control of suppliers, of both service levels and financial verification (validation of invoices): Offices, Notaries, Valuators, Custodians, etc.
Complete integration of the file
Making relevant verifications for the prevention of fraud with regard to inaccuratedocuments which the client may present.
Transfer of the TSEO computer platform
Administration and regularisation
Legal regularisation
Prior visit to the property
Status report
Management of keys
Tax regularisation
Formalisation of sales
LICENSING OF THE PLATFORM.
COMPREHENSIVE ADMINISTRATION AND CONTROL OF THE PROCESS AND PROVIDERS OF THE SERVICE.
Prevention of Fraud and Integration of Risk Assessment.
Analysis of guarantees for disinvestment.
Legal support for the acquisition and adaptation of properties January 2014.
Asset Sale Formalisation Centre January 2014.

Success Stories:

For our client in Mexico we obtained around 1,000 registry certificates that were difficult to retrieve due to the time elapsed and their location at different notary public’s offices and registries, which we did in record time (on an average, in less than two months).


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Expansion of the testimony retrieval service

The main aim of our service is to review the status of the guarantees granted by the FEs. This is done by analysing the registration situation of their Mortgage Credit testimonies registered at the different Public Property Registries around the country, issuing a tracking and status report, or,failing this, beginning the corresponding correction and registration, as well as effectively attending to the needs of the risk departments, which included:

  • Physical review of the file in the definitive archives of the entity, issuing a checklist of the existing documents, as well as those that were missing.
  • Obtainment of Informative Freedom from Encumbrances Certificates from the different Property Registries.
  • Review of the status of the registration of the document and issue of a report for each guarantee.
  • Physical obtainment of the testimony registered at the corresponding Public Property Registry.
  • Carrying out the necessary actions to obtain the documents and/or information; if required, in order to resolve any errors or omissions which had been overlooked during the registration at the Public Property Registry, and in one specific case asking the Notary Public to resolve the registration problems.
  • Digitalisation and incorporation of the documents into the application of the Qipert Group MEXICO, called TSEO, available to the entity at all times.


Process re-engineerings undertaken

Mortgage loans

The Qipert Group undertook two business re-engineerings for FEs. This enabled them to outsource 92% of the Formalisation and Disposition process, replace fixed costs with variable costs, thereby significantly reducing the times and costs of formalisation, provide them with a more efficient, more competitive process, with a considerable reduction in response times, improve the checks of legal validity and appraisals of the operation, as well as:

  • Continuous legal consultancy from professionals with extensive experience in the sector.
  • Improving the quality of the files for formalisation, as a result of the multiple reviews and checks implemented.
  • Provision of a computer tool for operational control and a document manager in real time.
  • Carrying out the appropriate tracking of the registration of the testimony at the Public Property Registry, andcollecting the latter to send it to the archive.

Automotive loans

The process re-engineering of an FE was carried out, which made it possible to reduce the formalisation times, and also to obtain feedback from clients, about both the product and the process.

Administration of Assets

A complete analysis of the process of acquisition, holding and sale of an asset portfolio was carried out.

Qipert defined the Processes, Checks and Computer Systems required for the management of specialised collection and sale, in particular related to the assignment and sale of homes, as well as the integration of its providers into the process and into a single computer tool.

The consultancy enabled the entity to develop a more efficient and more competitive process, with a considerable reduction in response times, whilealso achieving a true and complete INTEGRATION OF THE DIFFERENT PARTICPANTS INTO THE PROCES

Loyalty of Real Estate Promoters

Qipert carried out a consultancy the aim of which was to provide the options and ideas which would ensure that promoters who have a bridging loan with the financial entity which contracted us would remain loyal to that entity, for the placement of the mortgage loans acquired by their buyers.

In other words, the aim was that the promoters of the real estate development would offer, as the first option, a mortgage loan with our client, something which was not happening at that time.

A study was carried out of the promoters market and the placement of mortgage loans and three opportunities for improvement were identified in three areas which suffered constant problems within the entity: Sales, Organisation and Process.

In order to improve it, Qipert performed the following field work:

  • From the commercial point of view, we conducted benchmarking of its mortgage product.
  • From the legal point of view, we analysed the alternatives which, in observance of mortgage legislation, could reduce costs in the granting of the loan, by means of the replacement of the new loan with the subrogation of the bridging loan.
  • From the point of view of the buyer of the home, the Mystery Customer tool was used, in order to assess our client’s position in the market.

The combination of all these enabled the entity to refocus its strategy in order to improve the percentage of conversion to individual mortgages by promoters.

Consultancy on Mortgage Outsourcing in Competition

An analysis was undertaken for the outsourcing of the mortgage process for a financial entity whose processes were carried out internally. The benefits were evaluated, both Financial, Cost Reduction and Operational Risk.

Qipert also identified the advantages for the process, as it gave it greater FLEXIBILITY, DYNAMISM and PRODUCTIVITY in the service, as the INDICATORS and the CONTROL parameters were consolidated, because they were ascertained with greater objectivity. In addition, TIMES were improved, processes were STANDARDISED and, finally, TECHNOLOGICAL progress was achieved.

The study enabled the entity to have more elements in order to be able to take the best decision regarding the outsourcing of its mortgage processes.

Consulting
Qipert Consulting is a company that combines the know-how of a network of professionals with the competitive development of several generations of traditional services involving administrative/advisory/legal aspects and the latest technology, thus providing new possibilities for consumer communication, information and interaction in accordance with the market’s new requirements.

We make up one of the largest professional networks in the country, with representation in every province in Spain. Our main goal is to offer the best advisory and consultancy services to our clients, for any area of their business or personal activities. For more information: www.qipertconsulting.com.

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National Network

Our aim is to provide companies with the strategies and the advice they need to reach the consumer of the 21st century. To do so, we offer custom-made services to large companies, groups, chambers of commerce, professional associations, large food chains, franchises, financial entities, etc.


Small and Medium-sized Companies (Pymes)

We stand out due to the fact that we have a national network that is present locally. For more than 10 years, we have been offering our advisory and consultancy services to small and medium-sized companies in all areas of their business and personal activities.


Entrepreneurs

We have the latest technology to help self-employed individuals comply with their accounting and tax obligations. Our simple on-line application allows them to carry out any formalities they need to without having to move, in addition to the security of being able to count on the services of our consultants for any question or difficulty that may arise.

Services:

  • Tax
  • Accounting
  • Commercial
  • Employment
  • Vehicles
  • Aid / Subsidies
  • Insurance brokerage
  • Immigration matters
  • Estate administration
  • Real-estate brokerage
  • Business consultancy
  • Mediation
  • Financial audits
  • Bankruptcy administration
  • Management of foreclosures
  • Recovery / management of defaults
  • Supplier management
  • Legal representation
  • Personal Data Protection Act
  • Certificate of Energy Efficiency for buildings.
  • Fines management

The Qipert Payment in Lieu of Debt, Awards and Sale (DAS) area of business deals with the financial-legal-registry management of credit institution real-estate portfolios, to ensure correct and efficient acquisition, as well as the placement for sale of property and its subsequent sale to third parties.
In short, this area of business has a clear and priority objective: to contribute to reducing the time property spends in credit institution portfolios to a maximum, an objective that has been successfully achieved. In fact, only in 2015, approximately 20,000 transactions were performed for six credit institutions.
Qipert has more than 40 professionals working at its central departments in this area of business, in addition to personnel belonging to its national network of local branches. It is an historic area of business for Qipert, although residual until 2011-2012, when the beginning of the economic crisis resulted in a boom of property foreclosures by credit institutions. It currently represents a relevant part of Qipert’s business volume.

Services:


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das

Identification (obtaining of certificates) of debts relating to properties (property tax, owner association quotas, etc.).

Resolving (payment) of such debts.

Contact with trial attorneys, credit institution legal departments and other participants in the legal process of property award.

Arrangement for signing (contact with notaries and other agents involved) and the signing of all kinds of deeds (by power of attorney or with advice: Title of Acquisition (payment in lieu of debt, purchase and other documents by means of which credit institutions acquire property) and transfer (at the time the property is sold by the credit institution to a third party).

Management of the filing and payment of capital gains tax and other taxes.

Notification of the change in ownership of property to Town Halls and owner associations (upon acquisition of property by the credit institution as well its sale).
Management of the registration of title.