Mortgage PLN 100000 What loan installment? Which bank? Check!

Mortgage PLN 100000 What loan installment? Which bank? Check!

A mortgage loan of PLN 100,000 for 20 years, or maybe 30 years? First of all, check the offers, choose a bank or advisor and contact them to find out the details.

Is it worth using a mortgage comparison service if you want to know how much will your loan installment amount to a mortgage loan of PLN 100,000?

Installment calculator

Installment calculator

Does comparison of loans for PLN 100,000 with an installment calculator make sense? Not really, and for one simple reason: EVERY mortgage calculator presents results only approximately. To know the exact results and details of the loan, it is necessary to contact the selected bank.

The amount of loan installments for a mortgage loan of PLN 100,000, depending on the loan period, is as follows (estimated: property value PLN 250000, loan purpose purchase of a flat or home, loan term 30 years, borrower age 30 years, equal installments, no we use other bank products).

  • Mortgage PLN 100,000 for 10 years – estimated loan installment in the amount of PLN 993.55
  • Mortgage PLN 100,000 for 15 years – estimated loan installment in the amount of PLN 714.39
  • Mortgage loan PLN 100,000 for 20 years – estimated loan installment in the amount of PLN 579.45
  • Mortgage PLN 100,000 for 25 years – estimated loan installment in the amount of PLN 500.09
  • Mortgage loan PLN 100,000 for 30 years – estimated loan installment in the amount of PLN 442.93

In the case of a mortgage loan of PLN 100,000, the charges for the payment of loan installments are not very high, but of course one should take into account the fact that the loan offer and the mortgage loan we receive depend on the assessment of our creditworthiness and creditworthiness.

Mortgage PLN 100,000 and more

Mortgage PLN 100,000 and more

Important information from the point of view of the client applying for a mortgage not only in the amount of PLN 100,000. The Mortgage Loan Act and the Supervision of Mortgage Brokers and Agents introduced some significant changes to mortgage loans.

1) Restrictions on early repayment of loans with a variable interest rate . The bank may charge a prepayment fee only for 3 years from the date of signing the contract. The amount of such a fee can not be higher than the annual amount of interest that we would pay from the amount that was previously repaid. This amount can not be higher than 3% of the repaid amount (currently its amount is about 1.5 – 2.0%).

2) Prohibition of granting loans in foreign currencies. Granting a loan to a client, e.g. in EUR or in dollars, is possible only in two cases:

  • when the borrower generates most of his income in foreign currency or
  • the majority of the funds or assets held are expressed in the currency of the loan.

3) Cross-selling is forbidden . The tied-up sale is obviously not banned. A cross-selling ban applies only to the situation where the bank makes the decision on granting the loan conditional upon the use of other products. The exception is a bank account (free) used to service the loan. The bank may offer a mortgage, eg with a reduced margin, commission, etc. if we use, for example, insurance, but at the same time a mortgage with no additional products must be offered.

4) Insurance. The bank can not impose a choice of a specific insurer. It is enough to provide the bank with its own policy, which will meet the bank’s requirements regarding the minimum insurance coverage.

5) Credit restructuring. In the event of a delay in the payment of loan installments, the borrower has the right to request the bank to restructure the loan. The bank can offer:

  • temporary suspension of credit repayment,
  • extension of the loan period,
  • other activities that enable timely repayment of installments.

If the bank can not submit such proposals or its actions will be ineffective, the bank will not immediately proceed with bailiff recovery. We will have time to independently sell the property. The minimum period for the sale of an apartment for this is 6 months.

6) The maximum time to provide information on the credit decision taken is 21 days from the submission of documents to KOMPLET.

Mortgage PLN 100,000 – from the cycle: “Mortgage loans – before you use, you need to know.”

Mortgage comparison. Banks, installments, loan proposals

Mortgage comparison. Banks, installments, loan proposals

Mortgage and housing comparison allows you to quickly and online, check the offers of loans in banks.

What can you use for a mortgage? Most often, it is intended for the purchase of an apartment from the primary or secondary market. But it can also be intended for:

  • purchase or construction of a house.
  • purchase of a building plot.
  • renovation or adaptation of real estate for residential purposes.
  • purchase of a municipal or business flat.
  • finishing, renovation or modernization of an apartment or house.
  • completing the construction of a house or flat.
  • transforming a tenant or ownership cooperative right to a property into a property.

If you want to know what you can still spend your mortgage, it is worth to meet with a credit advisor or make an appointment with a selected bank.

Mortgage comparison residential

Mortgage comparison residential

How to calculate the amount of the mortgage loan installment? You can use a credit comparison, or a mortgage calculator. It should be noted that this is only a simulator of loan installments, which means that the calculations are estimates. If we want to know how much it will install, it is best to make an appointment with a bank or loan adviser. By the way, we’ll also find out if we have creditworthiness.

Nevertheless, the comparison engine, after entering the value of a loan, eg a mortgage loan of PLN 250,000 for 30 years, allows to find out how much the loan installment will be. In addition, we have the option of sending a contact request to the bank and a financial advisor.

Popular mortgages

Popular mortgages

What were the most-searched mortgages in the last few months of 2018? Searches are practically unchanged and most often we are looking for a mortgage loan for the purchase of an apartment from the secondary market.

Most popular: mortgage 50 thousand. PLN 150,000 mortgage, mortgage loan PLN 120,000, mortgage loan for building a house PLN 500,000, mortgage loan PLN 70,000, mortgage loan for apartment purchase PLN 80,000, PLN 150,000 for 15 years, PLN 160,000, PLN 200,000, PLN 250,000, PLN 300,000.

Comparison of mortgage loans PLN 80,000, PLN 100,000, PLN 150,000. If, therefore, we dream of our own apartment, then before we find such an apartment, we need to find out if we can afford to finance its purchase with a mortgage loan. We will get the answer to this question in the bank.