Wrocław - a city of meetings
Mortgage loan
A way to get big money from the bank
This type of loan is intended for people who have real estate in Wrocław or its vicinity.
A mortgage loan is characterized by a long loan period and high amounts available.
It can be used for any purpose.
It has a lower interest rate than a cash loan.
PURPOSE OF THE LOAN
You decide what you will spend the obtained money on. You will receive them on your personal account and they will be at your disposal.
You borrow a lot. YOU PAY LOW INSTALLMENTS
Unlike an unsecured cash loan, where the maximum loan period is 10 years, a mortgage loan can be spread over up to 30 years. Thanks to this, even if we borrow a large amount, we pay a low monthly installment.
The loan is secured with real estate. This does not mean, however, that we are losing ownership of it. We only provide the possibility of entering a mortgage by the bank in section IV of the Land and Mortgage Register.
WHAT IS A HIPOTE?
Mortgage - a limited right in rem over real estate and on selected rights (cooperative ownership right to a flat, cooperative ownership right to a business premises, right to a single-family house in a housing cooperative, mortgage-secured debt), used to secure a marked claim, under which the creditor may claim satisfaction from the real estate, with priority over the personal creditors of each owner of the real estate.
Loan amount
Up to 80% of the property value
Saving money
Low interest rate
Repayment period
Even for 30 years
Sources of income
Acceptable
Contract of employment
Replacement employment contract
Management contract
Appointment
Contract of mandate
Contract for specific work. Rent. Rent. Retirement
Pension. Pre-retirement allowance
Economic activity
Dividends
Scholarship
Farm
Departments of special agricultural production
Pursuit of the profession of a seafarer
Income from the provision of pastoral service
Unacceptable
Unemployment benefit
Care, educational, rehabilitation and sickness allowance
A pension for a period shorter than the loan period
Profits from the sale of shares
Agreement for a trial period
Contract for the duration of the work
Income per role in the case of leased land
Income from activities carried out abroad
Child care benefit 500+
Employment when the applicant is on notice or on parental leave
Income from the company in which the applicant acts as a limited partner
Future income
Other benefits that are not of a permanent nature
