18/05/2025
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Mortgages Mortgage Guide The Way To a Mortgage
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Mortgage Guide

  • The Way To a Mortgage
  • Steps to taking a mortgage
  • Refinance
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The way to a mortgage

  • Realize your dream with a mortgage.

    One the most significant economic decisions you will make in your life is which mortgage to take. A mortgage is a large, long-term loan, usually used to purchase an apartment or house and is provided in exchange for the property being subjected to a lien in favor of the lending party.

    Purchasing an apartment or building a house is one of the largest transactions a person will make over the course of their lives. Rational financial planning will help you assess which apartment you are able to purchase, and how you will meet the monthly mortgage payments over time.

    Two key factors should be taken into account in considering a mortgage:
    • The equity you have, in other words, the ‘out-of-pocket’ money you are binging to the table, including savings, gifts from your family and so on.
    • The price of the apartment you are interested in purchasing - weighting the nominal price of the apartment, the cost of brokerage (if applicable), legal fees, moving, renovating and other expenses if necessary.

    Reasons to apply for a mortgage

    • The first apartment - the first time a person buys an apartment.
    • Upgrading your housing situation - financing the replacement of one apartment with a better one, including the sale and purchase thereof.
    • An investment property - one of the most popular investment routes is purchasing a property, long-term or short-term, in addition to the initial apartment.
    • Self-Build - building your own home.
    • An existing asset - as mortgage owners in the bank, you will be able to receive attractive financing options for any purpose against the property.

The information on this website does not constitute an opinion, suggestion or offer for a loans of any kind nor does it constitute a consultation. The information is general, marketing content and cannot replace a borrower briefing and/or the explanation page given to persons inquiring about mortgage terms, nor can it replace the user’s good judgment or professional advice, including advice provided by the mortgage officer, who considers the user’s unique information, needs and purposes for the specific transaction. The loan shall be granted subject to the banks discretion and subject to the provision of satisfactory securities, and in accordance with the banks procedures for the provision of housing loans. Failure to repay the loan is liable to result in the charge of interest for delay in payment and execution procedures.  The full and binding terms for every service/ product are specified in the bank documents in relation to said service / product and subject to the arrangements practiced by the bank. The bank reserves the right to alter the terms of the service /product or to discontinue them at any time. Prime is the "basic interest rate" determined by the bank and is subject to change from time to time.
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