A fixed interest rate is available for mortgage loans in PLN. If you value peace of mind and want to be sure that your mortgage loan payment will not change during the next 5 years, consider the fixed rate loan. certificate of copy from the entry in the local spatial development plan confirming real estate use classification.copy of the entry in land registry or copy of the survey map.final occupancy permit, or – if the former is not required by law – certificate of the completion of the construction along with the information on the lack of objection lodged certified by relevant authorities, or the decision on the amount of real-estate tax.Copy of the entry in the land and mortgage registry - applies to real estate securing the loanĪdditionally, if the loan is secured by a single-family home or by an undeveloped plot of land, the following may be required: Check the Central Register of Property Appraisers link opens in a new card.Ģ. You can also provide us with your appraisal report made by an authorized property appraiser. 680 PLN single-family residential building, semi-detached house, residential unit in a terraced or semi-detached building.420 PLN a flat, garage, undeveloped land.at the same time, the report will be made available to the Bank, which will shorten the time to issue a credit decisionĬurrent price list of suppliers cooperating with the Bank:.you will receive the report even within 3-4 days (from the moment of inspection) in electronic and/or paper form.for your safety, the appraiser may conduct an on-line inspection without a physical visit to the flat/house.in just a few minutes, your order and the required documents will be delivered to an expert. you will pay the report by bank transfer directly to the supplier's account (the Bank does not charge any fees for assistance in ordering the report).order the appraisal report when submitting the loan application (or at a later stage) and choose one of the two nationwide suppliers cooperating with the Bank.If you do not have an appraisal report, you can use the Bank's support in obtaining it. Loan taken for furnishing or repairing a home is not subject to the income tax incentive.To make a credit decision, we will need a value estimate of the flat/house prepared by a property valuation expert. The income tax refund includes only purchase and construction of a dwelling and only one loan contract. Specify whether you would like to see the income tax refunded on interest. Upon repayment of the loan principal you can take a payment holiday for up to two years. At theīeginning, the repayments are larger, but each following payment is smaller than the previous one.Ĭhoose the length of your payment holiday. In case of an equal principal schedule the amount spent on interest payments is smaller.Month remains the same throughout the entire period. In case of an annuity schedule the advantage lies in the stability because the amount that you pay each.Choose whether you would like to repay the loan on the basis of an annuity schedule or equal principal schedule. If you would like to make calculations with another interest, write a new number. Personally, depending on the earlier bank relations, income and self-financing. % Your final interest rate may differ from the interest displayed because the interest rate is determined for each customer The maximum possible home loan period may be 30 years, while the borrower must not be over 65 by the end of the loan term. Choose a period during which you would like to repay the loan. Write here the price of purchased property.
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