- ½ creditworthiness (annuity/salary);
- possibility of including not more than one loan applicant (close family member);
- age limit – maximum 75 years of age on the loan maturity date.
Draft and draft endorsement, attachment of salary*/standing order for pensioners, insurance policy of the real estate assigned in favor of the Bank and one of the following options offered:
1/ minimum 25% participation and mortgage on the flat or house (subject to purchase). If owned by JSC for construction and housing and business premise management important for the state, pending property list on the name of the buyer, after approval, and pending realization of the loan, the borrower(s) are obliged to solemnize the Loan Agreement at Notary Public. After obtaining a property list, the buyer(s) is/are obliged to establish a mortgage on the real estate in favor of the Bank;
2/ mortgage on the real estate in proportion 2:1 against the loan value, of which purchased real property is mandatory;
3/ in case of refinancing housing loans to other banks, the property subject to purchase shall be collateral, or mortgage on another real estate in proportion 2:1 with possible extension of the repayment period, maximum 360 months.