Comparison of mortgage loans PLN 70 thousand for the purchase of an apartment or house. In which bank to take a mortgage for 70 thousand. zł?
Estimation of loan installments, review of banks and the opportunity to contact credit specialists.
There are a lot of mortgage banking offers. And how can one find a favorable mortgage in one’s own way? What to look for?
Before we decide to live, we need to know what creditworthiness we have. It makes no sense to plan the purchase of an apartment or house if we can not afford such a purchase in any way. No bank will give us a loan that exceeds our ability to pay debt.
In 2019, the required own contribution is 20% of the loan value we are applying for. A smaller own contribution, at the level of 10%, requires the purchase of additional insurance. And the same loan will be more expensive.
Comparison of mortgage loans PLN 70 thousand
And how to find a favorable loan? A comparison of mortgages can be made on its own and at the same time determine the ranking of mortgage loans, based on total costs and loan rrso. In each bank, if we have creditworthiness, we will receive information about the loan. Credit and credit costs will also be provided there.
The following comparison engine allows you to estimate loan installments, get acquainted with the banks’ loan offer and contact a bank or financial intermediary.
An important element of the credit offer is: nominal interest rates, fees and commissions related to the loan. The interest rate is calculated on the basis of: a fixed bank margin and reference rates. In the case of zlotys, it is Euriker. The level of reference rates depends, among other things, on whether installments are growing or decreasing.
Attention should also be paid to the remaining fees: additional credit insurance, real estate and insurance until the mortgage is entered. All of these factors are important to our budget.
Help in finding mortgage loans for PLN 70 thousand
If you do not have the time and the opportunity to look carefully at the banking offer, then it is good to use the help of a specialist. A financial intermediary will help you find a favorable solution, compare mortgage loans and calculate your creditworthiness.