Almost all of us dream of owning our own flat or house. To make this dream come true, it is usually necessary to take out a mortgage loan. What speaks in favour of taking out such a loan specifically from Alior Bank?
Katarzyna Habel: By taking out a mortgage loan from Alior Bank to purchase a flat, 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 emphasising is the possibility of suspending repayment of the principal for up to 6 months per year, for a total of up to 5 years. It is worth noting that a mortgage loan from Alior Bank makes it possible to receive funding under the “Flat for the Young” Programme.
For most people, a mortgage loan is associated only with financing the purchase of a flat, house or building plot. Can a mortgage loan in fact be used only for these purposes?
Katarzyna Habel: No, not only. Mortgage-loan funds can also cover the costs of finishing, renovating or adapting a property, as well as financing the construction of a house using the self-build method. A mortgage loan can also be used to consolidate liabilities, that is, to replace several loans with one loan with a lower instalment. Finally, mortgage-loan funds can also be used for any consumer purpose, purchasing household appliances, furniture, a holiday trip or simply making dreams come true.
To take out a mortgage loan, it is necessary to secure the loan with a mortgage on a property, right? What can serve as this security?
Katarzyna Habel: That is correct: to be able to take out a mortgage loan instead of, for example, a cash loan, you need to provide a property as security. This security may be a flat, house or plot of land that you already own or are purchasing with the funds from the mortgage loan being taken out. The bank also accepts security on a third party’s property.
So perhaps it is worth taking out a mortgage loan and fulfilling today plans and dreams that have sometimes been put off for a long time?
More detailed information about mortgage loans can be obtained at the Alior Bank partner branches in Bolesławiec: 46 Zgorzelecka Street, 75 732 22 51, and 1/9 Mickiewicza Street, 75 713 70 02.
The waiver of the commission for granting a mortgage loan 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.
