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real estate that I could pledge. The loan amount is euros. to build a house on this land which an electricity connection.

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Housing loan for land acquisition with a down payment of 35 %

Loan amount from EUR 10,000 to EUR 50,000, financing up to 65 % of the land value, and a loan repayment term of up to 7 years. Interest rate from 2.5 % + 6‑month Euribor.

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Idea loan for the purchase of land by pledging an existing property

The loan amount is starting from EUR 10,000. Financing is up to 70 % of the market value of real estate. Repayment term up to 20 years. The money is transferred to the customer’s account and existing real estate is pledged. The land purchased is not pledged.

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Loan for the purchase of land without real estate collateral up to EUR 30,000

Loan amount from EUR 2,000 to EUR 30,000, financing up to 100 % of the transaction amount, and a repayment term of up to 7 years. The fixed interest rate from 9 % per year. Appraisal and real estate pledge aren't required. A co‑borrower is required for loan amounts from EUR 20,000 to EUR 30,000.

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	Interest rate per year	Financing	Down payment	Loan amount	Loan repayment period	Asset valuation	Pledge	Disbursement of money
Housing loan for land acquisition with a down payment of 35 %*	From 2.5 %+6‑month Euribor	Up to 65 % of the value of the land	From 35 %	From EUR 10,000 to EUR 50,000	Up to 7 years	For the land	Plot of land	To the seller’s account after the registration of property rights.
Idea loan for the purchase of land by pledging an existing property**	From 2.5 %+6‑month Euribor	Up to 70 % of your real estate market value	-	From EUR 10,000	Up to 20 years	For the pledged object	Existing real estate	To the customer’s account
Loan for the purchase of land without real estate collateral up to EUR 30,000***	From 9 %	Up to 100 %	-	From EUR 2,000 to EUR 30,000	Up to 7 years	-	-	To the seller’s account after the registration of property rights.

Additional conditions:
*Access to the land must be legally guaranteed, and electricity must be connected before the disbursement of money. It will be possible to build a house on a plot of land.
**The plot of land to be acquired is not evaluated: no appraisal is required, and the possibility of building a house, the electricity connection, etc., is not assessed before signing the agreement.
***Land ownership must be registered in the customer’s name within 90 days of signing the agreement. The plot of land to be acquired is not evaluated: no asset valuation is required, and the possibility of building a house, the electricity connection, etc. are not assessed before signing the agreement. A co‑borrower is required for loan amounts from EUR 20,000 to EUR 30,000.

Important: Pledged collateral must be insured. Notary fees, real estate evaluation, and insurance costs are not known to the bank and therefore are not included in the annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.

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