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Mortgage loan
What documents are required when applying for a mortgage? Individuals: ID card, income certificate (e.g., from the employer), employment contract, bank statements, property documents (e.g., notarial deed, land register extract). Entrepreneurs: Additionally, banks require financial documents of the company: certificates from ZUS and the Tax Office confirming no arrears, PIT forms from recent years, and…
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Cash Loan
What is a cash loan and how does it work? A cash loan is a type of loan that you can use for any purpose – from home renovations to travel or paying off other debts. The bank transfers the agreed amount to your account, and you repay it in monthly installments. Good news? The…
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Offer for Companies
What Types of Business Loans Are Available and Which One Best Suits My Company’s Needs? Available business loans include working capital loans (for current operations), investment loans (for growth and fixed asset purchases), bridge loans (temporary financial support), and commercial mortgage loans (for purchasing commercial property). The best choice depends on the financing purpose –…
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Insurance
What Types of Insurance Are Required with a Mortgage Loan? When applying for a mortgage loan, banks typically require property insurance against fire and random events. Additionally, depending on the offer, a bridge insurance policy (valid until the mortgage registration in the land and mortgage register) and low down payment insurance may also be required.…
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Financial Loan
What is a Home Equity Loan and What Can It Be Used For? A home equity loan is a form of financing where your already-owned property, such as an apartment, house, or plot of land, serves as collateral. Unlike a mortgage loan, the funds obtained can be used for any purpose, including renovations, business investments,…
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Loan Refinancing
What is Loan Refinancing? Loan refinancing involves transferring your current loan to another bank offering better terms. Think of it like swapping an old, costly subscription for a new one with more benefits – lower installments, better interest rates, or an extended repayment period. Refinancing can help you save money and better align your repayment…