The true value of home ownership
Thinking of a home loan? Want to buy your own residence or apartment, maybe a vacation home? Already own a home and need to renovate it? Now you can make your dreams come true by scheduling your loan installment and not having to worry about it. Whatever your needs, the home loan comes with a fixed interest rate and installment for the entire duration, with a loan maturity at 25 years.
Your first home
Create unforgettable moments, unique memories, and wonderful family times in the warmth of your own home - where you'll always be yourself. Become a homeowner without hassle or stress, by taking out a loan on a fixed interest rate and installment for the entire term of the loan.
Your holiday home
Experience unique moments that will stay with you forever, gazing out at the sea from your very own vacation home. Take in the smells of the forest and enjoy peace and calm in the mountain. Own your holiday home, by taking out a loan on a fixed interest rate and installment for the entire term of the loan.
Renovation (primary residence or holiday home)
Shape your own space, however you want it. Adapt your living space to your needs, add some colour to life, with your own special touch, satisfy your unique desires. Now you can do all this by taking out a home loan on a fixed interest rate and installment for the entire term of the loan.
Important notes
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For some loans you can select a floating interest rate or a fixed rate for a specific time period.
If you select a fixed interest rate, the interest rate will remain fixed for the specified period agreed with the Bank (e.g. 5 years). It will not change under any circumstances. Thus, your installment remains fixed, unaffected by a possible rise in interest rates, however it should be noted that, at the same time, you do not benefit from a possible reduction in interest rates. At the end of the fixed rate period, the loans are converted to floating interest rate loans, except for 25-year fixed interest rate loans, where the interest rate remains fixed for the entire term of the loan.
If you choose a floating rate loan, then the interest rate can be changed at any time (upward or downward). The variable interest rate consists of the base plus margin. Every time the total interest rate changes, your loan installment will also change.
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Where a loan is paid off early, or installments are paid early in relation to the agreed schedule, the Bank will charge costs depending on the type of interest rate and the prepayment amount.
In case of loans with a long duration of fixed interest rate, the cost of early repayment may be significant. The cost of early repayment that is estimated by the Bank mainly depends on the interbank market interest rates which fluctuate on a daily basis as well as on the date of early repayment. For more information you can contact a Relationship Officer in our Branch network.
You may also be informed about all Bank fees from the Table of Commissions and Charges
Warning:
The Bank reserves the right to reject any application at its sole discretion and withdraw any plan at any time. If you do not make regular installment payments according to your loan repayment schedule, you may lose your house. There are charges for early loan repayment. In case of variable interest rates, the installment amount and total cost of the facility may increase or decrease depending on variations in the base rate.