Home-secured loan consolidation
Use your fully paid-off home to consolidate your loans into one more favourable solution
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Save – consolidate your loans
New monthly payment
Processing fee
Estimated interest rate
APR (including EURIBOR)
Monthly savings
The calculator result is for informational purposes only. Each client’s situation is assessed individually.
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Which loans can you consolidate?
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Questions and answers
Does receiving a loan affect property ownership?
No, your ownership rights do not change. The loan is secured by the value of the property, but you continue to use it for your own needs.
What type of property can be used as security?
An apartment, house, or other residential real estate that is fully paid off and without an active mortgage loan.
What is home-secured loan consolidation?
Home-secured loan consolidation means combining several existing loans into one single loan secured by your home. Your property serves as security, allowing a lower interest rate compared to most consumer loans.
What is the loan application process?
The loan application process takes place in several steps:
- submitting the application;
- assessment of you and your application;
- property valuation, useful: list of valuators (LAT);
- final decision;
- signing the agreements;
- notarisation and registration in the Land Register;
- loan disbursement.
