Nazar Verbytskyy
Founder & CEO
Non-resident · business owner
Approved after three banks declined
Company income from abroad, villa above AED 5M. We chose a bank that assesses company accounts instead of a personal salary.
2 min read · Details changed to protect the client's privacy.
A quick overview
| Situation | Non-resident business owner, three declines |
|---|---|
| Property | Villa above AED 5M, ready |
| What went wrong | Three banks assessed a personal salary that did not exist on paper |
| The bank that said yes | A bank that underwrites company accounts for non-residents |
| Result | Approved |
The problem
The client ran a company abroad and paid himself irregularly. Three banks looked for a fixed personal salary on a payslip, did not find one, and declined. Each decline cost weeks and the villa was above AED 5M, where financing limits are lower anyway.
What we changed
We stopped presenting the file as a salaried case. Instead we chose a bank that assesses company accounts: audited statements, shareholder register and the pattern of transfers to the personal account. The file went in once, structured the way that bank reads it.
The outcome
Approved on the fourth application — the first one we handled. Details changed to protect the client's privacy.
Advisor on this case
Similar situation? Check my chances
Details changed to protect the client's privacy.