1. Submitting a housing loan application. 
2. Meeting a financial advisor. 
3. Submitting property valuation and proof of income documentation. 
4. Assessing creditworthiness and making the decision of granting a loan. 
5. Informing the customer about the decision. 
6. Signing the agreement. 
7. Signing the purchase agreement before a notary. 
8. Registration of the rights of ownership on the purchased real estate with the State Enterprise Centre of Registers. The request to register the rights of ownership can be submitted to the notary, who has notarised the purchase agreement, or to the State Enterprise Centre of Registers. 
9. Obtaining authorisation of the court (if customer has children under 18 years). No court authorisation is required in the following cases: 

• when family or an individual with minors reside in another unpledged property (in this case it is required to provide documents proving that the mentioned property is registered as a family‘s property with the State Enterprise Centre of Registers); 
• when pledging a land parcel. 

10. Insuring pledged property. 
11. Signing the mortgage agreement in front of a notary, getting it notarised and registered. 
12. Granting the loan. 
13. Confirmation of the settlement under the purchase agreement.

It depends on a couple things. Firstly, you must have a property in mind and have a property valuation report ready. The bank might also ask you to provide other documents (after you have submitted your application, you will be sent a list of the required documents). Information and document gathering helps us to examine your possibilities. It is the most time-consuming task of all, others usually take a few days each.

You can repay your loan by the method of your choice: linear or annuity. 

• If you choose the linear method, the monthly instalments will not be uniform – the loan payments will be spread over the entire loan period so that the instalments will be higher at the beginning of the loan term and then gradually decrease as the loan is being repaid. The instalments will be comprised of the loan portion to be repaid, as well as the interest on the outstanding part of the loan. When repaying your loan this way, you will pay less interest over the entire loan period; however, the loan instalments will be higher at the beginning. 
• If you choose the annuity method, the monthly instalments will be the same over the entire loan period. The instalments will be comprised of the portion of the loan to be repaid and a part of the calculated interest. When repaying the loan this way, the interest will initially make up a larger part of the loan instalment that will gradually decrease, and the loan portion will increase; however, the amount of the loan instalments will not change. 

The requirements concerning the period of continuous employment depend on the type of your income: 

• If you are employed under an employment agreement, you must been working for your current company for at least 6 months. 
• If you carry out an individual activity under a business certificate or a business license, you must have been carrying out a successful business activity for at least 2 years. 

Important! We assess each customer’s situation individually and apply certain exceptions in some cases. To get an initial private consultation and find out your chances to receive a loan, you need to fill out and submit a loan application form. Once we receive it, our financial advisor will contact you as soon as possible.

If you carry out an individual activity under a business certificate or a business license, you must have been carrying out a successful business activity for at least 2 years. 

Important! Each customer’s situation is assessed individually. Thus, certain exceptions can be applied. To get an initial and private consultation and find out your chances to receive a loan, you need to fill out and submit a loan application form. Once we receive it, our financial advisor will contact you. 

After changing your jobs, you must have been working for at least 3 months for your new employer and have your probationary period completed to qualify for a loan. 

Important! We assess each customer’s situation individually and apply certain exceptions in some cases. To get an initial and private consultation and find out your chances to receive a loan, you need to fill out a loan application form. Once we receive it, our financial advisor will contact you. 

This possibility can be offered to persons having entered into a contract of marriage, under which each spouse is responsible for his/her own assets, liabilities and income. In the absence of a marriage contract, both spouses must be treated as co‑debtors. 
 
We assess each customer’s situation individually and apply certain exceptions in some cases. To get an initial private consultation and find out your chances to receive a loan, you need fill out and submit a loan application form. Once we receive it, our financial advisor will contact you as soon as possible.

Once we make a decision regarding the housing loan, we allow our customers at least 30 days to considerate the offer, analyse information and make the decision. General information is provided in paper form or electronic form by stating the validity of the offer.