Media Center

AMF Classic vs. AMF WIN compares two financing structures with different purposes, as the distinction depends on whether the decision relates to purchasing a property or using an existing one.

AMF Classic is used for property purchase, while AMF Win is used to access liquidity from an existing property. This difference helps clarify which structure aligns with the borrower’s financial position.

AMF Classic vs AMF Win: What Is the Real Difference?

The difference between the two programs depends on the financing purpose and the applicant’s ownership status, as each program follows a different structure for financing and review.

AMF Classic Program

• Used for property purchase financing

• Applies to applicants acquiring a new property

• Based on financing the purchase of a ready property

• Structured around the property being acquired

• Main user is a prospective buyer

• Includes residential, commercial, and administrative units

• Financing ratios: up to 80% (residential), 70% (commercial), 75% (administrative)

• Repayment tenor: up to 15 years (residential) and up to 12 years (commercial & administrative)

• The review focuses on financial profile, property valuation, and legal status

• Legal review focuses on ownership validity and unit readiness

• Valuation determines the financing amount for the acquired property

• Common use cases: buying a home, office, clinic, or commercial unit

• Converts purchase cost into long-term installments

• Strategic role: asset acquisition

AMF Win Program

• Used to access liquidity from an existing property

• Applies to applicants who already own a property

• Based on the current market value of the owned property

• Execution linked to the property’s existing value

• Main user is an existing property owner

• Includes residential, commercial, and administrative units

• Financing based on property value, financial profile, and final approval

• Repayment through flexible plans aligned with the applicant’s profile

• The review focuses on property value, ownership position, and repayment capacity

• Legal review focuses on ownership validity of the financing base property

• Valuation determines the liquidity amount available

• Common use cases: renovation, furnishing, expansion, or accessing capital

• Provides liquidity without selling the asset

• Strategic role: leveraging existing property value

AMF Classic vs AMF Win: When Does Each Option Fit Your Situation?

The choice between AMF Classic vs. AMF Win depends on the financing objective and ownership status. AMF Classic applies to property acquisition, while AMF Win applies to accessing value from an existing property.

When AMF Classic applies

1. The objective is to purchase a residential unit for personal use through structured financing.

2. The decision involves acquiring an administrative unit such as an office or clinic as a fixed business location.

3. A business plans to own a commercial space instead of relying on rental arrangements.

4. The financing is linked to entering the real estate market through asset acquisition.

When AMF Win applies

1. The applicant owns a property and needs liquidity without selling the asset.

2. The financing is used for renovation, finishing, or furnishing an existing unit to improve its usability or value.

3. The property value is used to support a new investment step without disposing of the current asset.

4. The objective is to access capital for business expansion or operational needs.

AMF Classic vs AMF Win: What Determines the Right Choice?

The choice rather depends on the financing objective, ownership status, and how the property is intended to be used.

• AMF Classic applies when the financing is structured around acquiring a new property.

• AMF Win applies when the financing is based on using an existing property to access liquidity.

• AMF Classic aligns with entry into property ownership through a purchase transaction.

• AMF Win aligns with utilizing the value of an owned property without selling it.

The comparison between AMF Classic vs. AMF Win shows how the financing structure changes based on the role of the property. This reflects the link between ownership status, property value, and the financing approach.