Buying an apartment or building a house is, for most of us, the most important financial decision of our lives. Instead of enjoying the prospect of a new living room, however, we often spend nights analyzing margins and complicated contract provisions. Can you still find a truly advantageous offer in the maze of options? The experts at the Credit Office prove that you can—and not only if you are just planning a purchase.
For years, a local credit office has been helping residents of our region safely navigate the property-buying process. We make every effort to ensure that your loan is the best one for you. The foundation of our office is the passion of its founder, who, thanks to 18 years of experience in mortgage lending, will guide you through every stage of financing your dreams with the utmost precision.
Already have a loan? Don’t overpay!
Many people do not realize that a contract once signed with a bank does not have to remain in force for 30 years under the same conditions. The financial market evolves, and bank margins and offers change.
“Clients often come to us who took out a loan several years ago on significantly worse terms than those available today. Through refinancing, meaning transferring the loan to another bank, we can reduce the monthly installment by several hundred złoty or shorten the loan term by several years, which generates substantial savings over the entire liability,” explains Aneta Schwabe, a credit expert and the founder of the office.
If your current loan seems too expensive, it is worth bringing your contract in for a free analysis. We will check whether another bank would take over your debt on significantly better terms. The contract analysis is completely free of charge.
Why is it worth going to an expert instead of a bank?
Most of us are guided by sentiment and go to the bank where we have held an account for years. That is a mistake. A bank employee will always offer a deal from only their own institution, whereas an independent credit expert compares proposals from a dozen or more different banks in one place.
What do you gain by working with us?
- Time savings: You can complete all the formalities over a single cup of coffee.
- Maximum borrowing capacity: We know which bank will assess your income most favorably.
- No hidden costs: We will explain the differences in insurance and commissions.
- Support from A to Z: From checking your borrowing capacity to signing the agreement at the notary’s office.
How much does it cost?
This is the most common question. The answer is simple: The advisory service for the client is completely free of charge. The office settles directly with financial institutions, while you receive the same—or often better, thanks to our negotiations—terms as at a bank branch.
Kredyty i Ubezpieczenia Aneta Schwabe—your local partner on the way to a more affordable property.
We invite you to a free consultation and analysis of your current loan:
- Address: ul. Bolesława Prusa 30 in Bolesławiec
- Phone: 531 684 110
- Email: aneta.schwabe@notus.pl
