Oliva Investor App

Our platform has a very smart calculator. It gives users instant loan estimates where users just enter simple facts about the house they want to buy. This includes the price, their cash down payment, the place, and their job type. The system instantly gives them the price of the monthly payment due, total interest paid over the loan's full time, cash needed to close the deal officially, and the total cost of the house purchase. The calculator uses a basic math rule and changes for local rules and fees very fast with results showing up in seconds. Users can adjust the numbers easily and will see new sums right away. For example, a $1 million loan at 4% for 20 years will show a $4,850 monthly payment with a total interest amount of $746,000.

After counting the cost, users see a full list of loan products from many banks where the system wisely picks options that match their money goals. Each choice clearly shows the bank's name and picture, loan type and main features included, the interest rate percent, the expected monthly payment, and cash needed at the start. Users can save their favorite choices and compare up to five loans side-by-side with charts and simple graphs helping users understand complex money facts easily. The system checks income, location, and the loan amount, then finds the best matches from all partner banks.

Users prove their identity safely online using iDenfy, which provides secure verification for both people and formal companies. For individuals, they upload an ID like a passport, take a quick photo of their face, and the system checks the photo against the ID, screens for fraud, and checks against watchlists, with the whole process taking only 5-10 minutes to finish. For companies, businesses send their papers, upload company legal forms, prove who the owners are, and the system checks the company against watchlists, with results taking about 15-20 minutes. This proof lasts for three full years, and users can renew it easily online with the whole process done from home and no bank visit needed at all.

The Documents Hub is a central, safe place for all user files where the system sorts all files into five clear groups: identity like passports and official ID cards, address like bills and house lease papers, financial like bank account facts and tax forms, employment like pay stubs and job letters, and other additional required legal forms. Users easily drag and drop files to upload with support for PDF, JPG, and PNG files up to 10MB each. They track file status as waiting, checked, or denied, replace files anytime they wish, and see pictures before they upload them. The system shows users exactly what papers are needed with rules depending on their current job type.

The comparison tool lets users check up to five loans at once where it has three clear main views to help them decide. The cash at close view shows the money down, transfer fees, sign-up fees, and total cash needed at the start. The monthly payments view breaks down each payment into the main loan and the interest and shows the total loan money left. The lifetime costs view shows the first house price, total interest paid, and the final total cost. All numbers change right away when users change their facts and simple charts help users quickly find the best, cheapest deal.

The platform is built for a wide world audience where users select their language from a simple list and all words translate right away. This includes labels, buttons, and money terms. Money type is also flexible with USD, EUR, AED, and others. Users switch their money type anytime and see all amounts updated with the correct symbols. For example, "$1,000.00" for USD or "1.000,00 EUR" for EUR, helping all world investors feel comfortable using the app. Payments are powered by Wise, offering secure multi-currency payment processing and conversions.

Users have full control over their personal facts and their money goals. Investment settings include cash ready, price range, monthly payment limits, preferred cities, investment time, and house types. Personal information includes name and email, verified phone, profile picture, language, and money type. Security settings include two-factor login, Google Authenticator or phone codes, and safe account management or deletion. All changes save right away and users get a clear note after updating their settings.

Users choose what notes they want to receive where simple on/off switches manage emails about app news, ads, and newsletters. They can also get SMS texts when ready. Settings save right away and users can change them anytime.

The application journey follows clear simple steps. Users start by browsing products to look at available loans and use filters, then calculate by putting in house facts to get cost estimates. They get recommendations to see loan options matched to them, compare up to five products side-by-side, and apply by filling out the simple form. They upload documents to submit all papers needed, verify identity to finish the safe online check, and track progress to watch their application status move fast. The system automatically saves progress, so users can leave and return later without losing their work.

The Oliva Investor App includes a simple and guided booking flow that lets users schedule a meeting with a property advisor in just a few steps. Users first pick a date and time from an easy-to-use calendar, with all slots shown in their local timezone. They then select an advisor from a set of clear profile cards or let the system auto-assign the best advisor for them based on language and availability. After submitting, the app shows a confirmation screen with the meeting details and quick actions to open their email or return to browsing properties. This smooth booking experience fits naturally into the app and helps users get expert support quickly and without confusion.

The Oliva Investor App includes a built-in chat module that lets users communicate directly with their assigned property advisor in real time. The chat interface is simple, fast, and familiar, making it easy for investors to ask questions, request inspections, clarify loan details, or get guidance during their property search. Conversations start with a short advisor introduction, and users can message freely just like any modern messaging app. Property-related actions, such as inspection requests, appear as rich message cards inside the chat, helping both sides keep track of key updates. The chat history loads instantly, messages deliver in real time, and replies appear with clear timestamps. Whether a user wants to schedule a visit, review loan options, or ask for next steps, the chat feature keeps the entire communication inside the app, allowing investors and advisors to stay aligned and move quickly without switching platforms.