Idea Loan

With this loan – any of your plans can be fulfilled easier. Renew your home, choose a valuable purchase or implement any of your plans.

The benefits of choosing

Lower interest rate as compared to a consumer loan.
Long repayment period – up to 20 years.
Possibility to defer repayment of the loan for 1 year.
Attractive insurance conditions for the pledged property.

Calculate

Our calculator will help you evaluate what you can afford.

Apply

Fill-in the application form via the mobile or Internet bank.

We will contact you

In a few days we will inform you how much you can borrow.

Sign the agreement

Visit the nearest branch to sign the loan agreement.

Pledge the property

Pledge your real estate.

Don’t forget the insurance

You can insure your real estate right at the bank – we will offer an attractive insurance package.

You will need the following documents

ID or passport

If you plan to take a mortgage loan with a life partner, invite them to come with you

Evaluation of your real estate

We will let you know during the meeting if we require further documents

Typical example of an idea loan

Loan amount: EUR 60,000
Contract duration: 20 years
Variable annual interest rate: 3.4%
Monthly instalment: EUR 344.90
Contract fee: EUR 300
Mortgage registration fee for State Enterprise Centre of Registers: EUR 31.28
Total amount paid by the borrower: EUR 83,107.42
Number of instalments: 240
instalments paid monthly
Annual percentage rate of charge: 3.52%

IMPORTANT!
Pledged collateral must be insured. Notary fees, real estate evaluation and insurance costs are not known to the bank and therefore are not included in the overall annual percentage rate of charge.
Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.