Editorial office: Why is it worth taking out a mortgage loan specifically at Alior Bank?
Customer adviser: Let us start with the fact that inexpensive financing is essential when purchasing real estate. At Alior Bank, the cost of a mortgage loan is genuinely low. We do not charge a commission, and the margin can be as low as 1.40% (for a loan in złoty). In addition, the customer may suspend repayment of the principal for up to 6 months per year, for a total of up to 5 years. It is worth emphasizing that Alior Bank mortgage customers can also benefit from funding under the “Mieszkanie dla Młodych” (“Housing for the Young”) Programme.
Moreover, if a customer successfully recommends this product to family or friends, they may receive a bonus from the bank.
Editorial office: What are the other advantages of “Megahipoteka”?
Customer adviser: Alior Bank offers a special, simplified procedure for granting mortgage loans intended to repay mortgage loans taken out with other banks. To apply for a refinancing loan, it is enough to visit an Alior Bank branch with the loan agreement and the current repayment schedule for the mortgage loan taken out. Within the available creditworthiness, it is also possible to consider financing an additional purpose with this single loan (e.g. any purpose, repayment of a credit card, or consolidation of cash loans). Once these matters have been settled, it is enough to submit a loan application together with the required documents.
The minimum loan amount is PLN 25,000. The maximum loan amount depends solely on the value of the collateral and the applicant’s creditworthiness. The bank also accepts income earned abroad and income from business activity.
In addition, the “Megahipoteka” mortgage loan may be used either to finance the purchase of a building plot or simultaneously to purchase real estate and repay other loans. In the latter case, the property must have an occupancy permit.
“Megahipoteka” can also finance the purchase of residential property together with a section intended for a purpose other than housing, provided that the usable area of the commercial section does not exceed 50% of the usable area of the residential property.
Editorial office: Where can people interested in a mortgage loan at Alior Bank obtain detailed information?
Customer adviser: We invite you to one of Alior Bank’s partner branches in Bolesławiec: at 46 Zgorzelecka Street, tel. 75 732 22 51 or at 1/9 Adama Mickiewicza Street, tel. 75 713 70 02.
The absence of a loan origination commission and a margin starting at 1.4% applies to loans below PLN 1 million with additional loan security in the form of an assignment of rights under a life insurance policy. The final lending terms depend on the Customer’s creditworthiness.
(commissioned information)