Almost all of us dream of owning our own apartment or house. To make this dream come true, it is usually necessary to take out a mortgage. Why is it worth taking out such a loan specifically from Alior Bank?
Michał Turbak: When taking out a mortgage from Alior Bank to purchase an apartment, house or plot of land, you can count on a low margin and 0% commission. The loan term can be up to 30 years. Also worth highlighting is the possibility of suspending principal repayments for up to 6 months per year, for a total of up to 5 years. It is worth noting that an Alior Bank mortgage makes it possible to receive funding under the “Mieszkanie dla Młodych” programme.
Most people associate a mortgage only with financing the purchase of an apartment, house or building plot. Can a mortgage actually be used only for these purposes?
Michał Turbak: No, not only. Mortgage funds can also cover the costs of finishing, renovating or adapting a property, as well as finance the construction of a house using the self-build system. A mortgage can also be used to consolidate liabilities, that is, to replace multiple loans with one loan with a lower instalment. Finally, mortgage funds can be used for any consumer purpose, such as purchasing household appliances, furniture or a holiday trip, or simply making dreams come true.
To take out a mortgage, it is necessary to secure the loan with a mortgage registered on a property, correct? What can serve as this security?
Michał Turbak: That is correct. To take out a mortgage instead of, for example, a cash loan, you need to provide property as security. This security may be an apartment, house or plot of land that you already own or are purchasing with the funds from the mortgage being taken out. The bank also accepts security in the form of property belonging to a third party.
So perhaps it is worth taking out a mortgage and fulfilling today the plans and dreams that have sometimes been postponed for a long time?
More detailed information about mortgages can be obtained at the Alior Bank partner branch in Bolesławiec: ul. Zgorzelecka 46, 75 732 22 51, and ul. Mickiewicza 1/9, 75 713 70 02.
The waiver of the mortgage origination commission 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.
