Idea Loan

With this loan – any of your plans can be fulfilled easier. Renew your home, start a business, 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

Similar products: Mortgage loan, Consumer loan
You might also be interested in: Home Insurance

Important! Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.

Sample calculation of total charge of loan: If the bank were to grant you a loan of EUR 50,000 with a pledge for 20 years, you’ll have to pay the total amount of EUR 70545, the monthly payment would be EUR 293 and the annual percentage rate of charge would be 3.74%. Calculated using the following assumptions: interest rate - variable, average annual interest rate during the term of the agreement - 3.60%, credit repayable by annuity, agreement fee - 300 EUR, pledge registration fee to the State Enterprise Centre of Registers - 31.28 EUR. The 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.