You will be exempt from the following fees:

• Entry of the pledge in the Land Register in favour of the bank
• Excerpt from the Land Register to draw the mortgage loan
• Excerpt from the Land Register after drawing the entire mortgage loan

You do not need to go to the Land Register. We will secure the excerpts for you.

More on paying the fees of the Land Register can be found in our Campaign Conditions..

Wanting to live in your own home, but being unable to obtain a mortgage loan as a single applicant?
Our Mortgage Loan concluded with your parents or relatives enables us to provide you 100 % of the amount needed to purchase your property.

Benefits:

• Guarantees for parents and relatives – release of their property following a partial mortgage loan repayment, subject to the terms and conditions agreed in the contract
• Option of a free partial early repayment to release the guarantee of the parents at any time during the mortgage loan

Do you have a mortgage loan with us? Would you like to top it up?

Our offer means additional funding at a favourable interest rate for you. On top of that, we will not request a new valuation of your property or a pledge agreement.

And not only in period of interest rate changes (fixation). You can prepay once a year amount up to 25% of the loan amount (always in the 30 days before the anniversary of signing the mortgage contract).

• To buy an apartment, house, holiday cottage or building plot
• The construction or reconstruction of real estate (for drawing not need to submit invoices)
• To settle ownership (eg. community property, inheritance)
• Reimbursement for costs invested in real estate, up to 1 year back

With our mortgage you get:

• Free mortgage origination - Terms and Conditions 
• Free management and administration of your mortgage loan
• Free 1. - 4. drawdown
• Free checking account and card withdrawals from all ATMs

To buy, construct or reconstruct apartment or house we will provide up to 90% of the property value used as collateral of the loan. 
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Our mortgage advisors will advise you with ensuring a property estimate.
Overview of cooperating external appraisers.

Basic parameters of a purpose mortgage

Variations of mortgage

• Percentage of the property’s value you are planning to borrow
• Length of time the interest rate is set (fixation)
• Amount you plan to finance

Benchmark interest rates:

Advantages:

• Disbursement up to 24 months after the loan approval
• Without proof of invoices
• Get the money directly to your account or the supplier’s account
• The loan can be drawn immediately and your private resources can be used later

With this mortgage you can arrange for convenient payment protection insurance, as well as property and home insurance.

You can apply for a mortgage at any one of our branches. Make an appointment with a mortgage adviser through our contact form by clicking on the button "Arrange a meeting".