Editorial staff: – Why is it worth taking out a mortgage specifically at Alior Bank?
Katarzyna Habel: – Let us start with the fact that cheap financing is essential when buying property. At Alior Bank, the cost of a mortgage is genuinely low. We do not charge a commission, and the margin may be as low as 1.40% (for a loan in Polish złoty). In addition, the customer can suspend principal repayments for up to 6 months a year, for a total of up to 5 years. It is worth emphasising that Alior Bank’s mortgage also allows customers to benefit from funding under the “Mieszkanie dla Młodych” Programme. What is more, if a customer successfully recommends this product to family or friends, they may receive a bonus from the bank.
Editorial staff: What are the other advantages of “Megahipoteka”?
Katarzyna Habel: Alior Bank offers a special, simplified procedure for granting a mortgage intended to repay mortgages taken out with other banks. To apply for a refinancing loan, it is enough to come to an Alior Bank branch with the loan agreement and the current repayment schedule for the mortgage taken out. Within the available borrowing capacity, it is also possible to consider financing an additional purpose with this single loan (e.g. an unrestricted purpose, repayment of a credit card, or consolidation of cash loans). Once these matters have been settled, all that remains is 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.
Furthermore, the “Megahipoteka” mortgage may be used either to finance the purchase of a building plot or simultaneously to purchase property 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 part intended for a purpose other than residential, provided that the usable area of the commercial part does not exceed 50% of the usable area of the residential property.
Editorial staff: Where can people interested in a mortgage at Alior Bank obtain detailed information?
Katarzyna Habel: We invite you to one of the Alior Bank partner branches in Bolesławiec : at 46 Zgorzelecka Street, tel. 75 73222 51, or at 1/9 Adama Mickiewicza Street, tel. 75 71370 02.
The absence of a loan-granting commission and a margin from 1.4% apply to loans below PLN 1 million with additional loan collateral 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)