Real Estate Loan, Mortgage Loans Without BIK

A loan secured against real estate is a loan for everyone and in particular, we address our offer to indebted people. People who have outdated liabilities also have the chance to get a loan from us. Thanks to our loan you are able to pay off all your debts. Thanks to the financing you have, you can pay off the debt collection, debt collector, as well as arrears in the Tax Office and ZUS. We conduct a series of analyzes that allow the client to obtain a loan, thus assessing the needs and financial capabilities of our clients. We do not analyze banking databases such as bik or big. Very often bad credit history is not a reflection of the actual situation of the client. The client’s creditworthiness analysis has other elements thanks to which we are able to determine the financial credibility of the client. Customer income is taken into account, but it is only informative and allows you to adjust the monthly installment of the loan.

A loan against housing and home

A loan against housing and home

The amount of the loan we can give the borrower depends on several aspects:

– value of the property,
– the place where the property is located,
– the purpose of the loan,
– the customer can repay the loan.

Considering the above guidelines, we assume that the real estate loan should not exceed half of the value of the collateral. If the property is located in a small town or the client’s financial capacity is limited, then the ratio of the loan amount to the value of the property (LTV) is reduced, so the client can count on a loan of a lower amount. The condition for granting the loan is the basic documentation. It allows us to analyze the case, prepare preliminary questions to the client and finally proceed smoothly to sign a loan agreement. The detailed scope of the required documents has been described in the “documentation” tab. For the initial assessment we require photos of the real estate and the number of the land and mortgage register. On this basis, the client receives a statement – the loan schedule that we can offer. Further verification of the documentation that the client also has to submit is already only a formal part, but also necessary in the entire loan process.

Private loan against collateral

Private loan against collateral

A pledge loan and its conditions are the same for every real estate: flat, house, plot, commercial or industrial facility. The only part of the loan that has an impact on its costs is the amount of the monthly installment which the customer will declare and what he will pay during the whole period of the loan agreement. According to the law and the policy of our company, the interest rate does not exceed the maximum statutory interest rates and as of today they amount to 10% on an annual basis. Additional costs that are commonly known and apply also to loans granted by banks are a preparation fee or loan commission. Also, our company uses such elements in the loan agreement.

A loan for a farmer

A loan for a farmer

In our offer we also have loans for farmers, where arable land, orchard and meadow are the protections. We are the only company on the Polish market that has decided on this type of loan product for people running farms. Details of the loan for the farmer

 

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