The group

My Credit S.p.A.: NPL and UTP secured:

My Credit S.p.A. is a company specialized in the investment and management of NPL and UTP secured portfolios, with the aim and task of creating a connection between the financial and real estate sectors.
The background of its team and the qualified know-how in the legal, finance and real estate areas allow an efficient management of credit and a maximization of returns. Thanks to My Credit method, the real economy becomes an added value which contributes to the achievement of the objectives of the business plan.

My Credit Group is composed as follows:
• Special Servicing My Credit S.p.A.
• Securitization Vehicles S.p.V.
• Reoco real estate
• My Value S.r.l. (NPL consulting, divestments, marketing, appraisals) www.myvalue.it

BANKS

MyCredit evaluates and acquires NPL and UTP portfolios. Thanks to a consolidated method, banks will find an aligned partner able to ensure originator concrete advantages:
• ordinary securitizations, even without GACS
• reduction of gross GBV on the bank's balance sheet
• structured agreements and scheduling of UTP and NPL disposal

INVESTORS

MyCredit supports institutional investors both active in the NPL market and interested in higher yielding real investments.
• Realistic returns
• Quick achievements

REAL ESTATE

MyCredit boasts a method that has been refined over the years and a territorial presence that make the assessments timely and the results concrete. Strengths:
• High rate of achievement of out-of-court settlements.
• Drastic reduction of average recovery times
• Timely and realistic assessment of assets throughout Italy, including small municipalities and provinces
• Performance management and enhancement of each valued asset

LEGAL & FINANCE

Thanks to many years of experience in the field of impaired loans and probable defaults (NPL and UTP secured), MyCredit stands out thanks to a system of integrated skills which include:
• LEGAL STRATEGY examination of the legal position, mortgage guarantees, strategy.
• EXTRAJUDICIAL RECOVERY
• JUDICIAL RECOVERY management of legal in Court procedures
• ASSET EVALUATIONS on-site market surveys
• COMMERCIAL ENHANCEMENT OF THE ASSET

news

30/01/2023

MyCredit supports a scholarship for the University Master's Degree Course

29/04/2022

MyCredit closing the gap between finance and real estate | Mirko Tramontano interviewed by Dealflower

Dealflower interviewed our CEO Mirko Tramontano about the NPL and UTP scenario, retracing the history of MyCredit and displaying forecasts about the market.

The videointerview is available here.

28/12/2023

NPLs and social impact: MyCredit's challenge

Mirko Tramontano was interviewed by Erika Tomasicchio for Be Bankers magazine, a portal dedicated to the credit sector.

During the interview, Mirko traced the company's history since its foundation and explained how its strong specialisation in mortgage credits and in particular the analysis of real estate underlyings constitutes a peculiarity compared to other companies managing NPLs today.

But that's not all: MyCredit invests its own capital. More than a servicer, it is a primary investor in the credit market.

MyCredit's goal is to bridge the gap between the financial world, which deals with numbers, balance sheet provisions, and credit securitisation, and the real economy, with a concrete and ethical approach.

To read the full article click here

27/05/2021

MyCredit: "Home is back to investing"

The CEO of MyCredit Mirko R. Tramontano was interviewed by Massimiliano Del Barba for the newspaper "Corriere della Sera "

The city of Brescia - the current scenario of the real estate market.

The economic gap reinforced by the pandemic situation has in fact given a new shock to the real estate market, with an increase in demand for real estate stimulated by the new economic needs of a middle class in difficulty, also thanks to the new bonuses and incentives.

Click here to download the full article in PDF format