In a real estate market where the most attractive properties receive multiple offers within days, buyers need tools that allow them to stand out from the competition. Duplo Capital's buying power certificate is designed exactly for that: to provide the buyer with a professional document that proves their financial viability to sellers, real estate agencies and developers, strengthening their candidacy from the very first contact.
What is a buying power certificate?
The buying power certificate is a document issued by Duplo Capital after a detailed analysis of the buyer's financial profile. Unlike a simple bank pre-approval — which only reflects a specific institution's willingness to study the operation — this certificate presents a comprehensive analysis carried out by an independent mortgage intermediary, registered with the Bank of Spain.
The document details the buyer's financing capacity, including the target acquisition price, associated costs, available own contribution, amount to be financed, estimated loan duration, approximate monthly payment and debt-to-income ratio. This information, presented in a structured and professional manner, allows the seller to quickly assess the financial strength of the prospective buyer.
It is important to note that this certificate does not constitute a binding financing offer nor does it replace the final approval of a banking institution. However, it functions as proof of financial viability analysed by a sector professional, which provides a significantly higher level of credibility than a verbal statement or a simple bank statement.
Your certificate includes
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IncludedIncluded in our service package, with no commitment on your part.
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FastReceive your certificate within 48 hours after submitting your documents and an initial exchange with your advisor.
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ProfessionalA structured and transparent document that clearly details your financing project for sellers, agencies and developers.
How does it work?
Fill in the online form with the basic information about your purchase project.
Upload the necessary documents (ID, payslips, bank statements) securely.
Our team studies your profile and determines your real buying capacity.
Within 48 hours you have your document ready to present to the seller.
Why present a Duplo Capital certificate?
- Immediate credibility with the seller — A professional document that demonstrates your real financial capacity, backed by a rigorous analysis.
- Competitive advantage over other buyers — Sellers prioritise candidates who demonstrate solvency from the first contact.
- Streamlined purchase process — The seller has the key information to make their decision without requesting additional documentation.
- Backed by a professional broker — Issued by Duplo Capital Group S.L., a mortgage brokerage registered with the Bank of Spain (D568).
Frequently asked questions about the purchasing capacity certificate
Duplo Capital's buying power certificate is a professional informational document. It is not binding for banking institutions nor does it replace a formal financing offer. However, as it is issued by a mortgage intermediary registered with the Bank of Spain, it provides significant credibility to sellers and real estate agencies, as it reflects a real financial viability analysis.
The certificate is valid for 90 days from its issue date. After that period, we recommend requesting an update to reflect possible changes in the financial situation or mortgage market conditions. Renewal is also included.
To issue the certificate we need: ID/NIE, the last 3 payslips (or tax return if self-employed), bank statements from the last 3 months and a basic description of the purchase project (estimated property price and location). All documentation is transmitted securely and confidentially.
No. The certificate reflects financial viability analysed by a mortgage sector professional, but the final decision to grant the mortgage always lies with the banking institution. However, as the analysis is based on the same criteria used by financial institutions, profiles certified by Duplo Capital have very high approval rates.
A bank pre-approval only shows that one particular bank is willing to study the deal, whereas the certificate presents a full analysis of your profile carried out by an independent mortgage intermediary. That intermediary is registered with the Bank of Spain. The certificate is not a binding offer and does not replace the bank's final approval. Its purpose is to show the seller, agency or developer that your purchase plan is financially viable.
The certificate is issued within 48 hours of sending your supporting documents and a first exchange with your adviser. It sets out the target purchase price, associated costs, your own contribution, the amount to be financed, the estimated loan term, the approximate monthly payment and the debt-to-income ratio. Presented in a structured way, this information lets the seller quickly assess your financial strength. The figures are based on your profile at the time of the analysis.