Raiffeisen Bank 

[ ↓ vstup na účet ↓ ] [ ↓ k menu ↓ ] [ ↓ k rychlé navigaci ↓ ] [ ↓ k vedlejší navigaci ↓ ]

Infoline: 800 900 900

Mortgage loans without the need for any proof of your income

We are the first to offer you a mortgage loan intended for those who are interested in a mortgage loan but who cannot prove their income in the usual way.

What type of investment does the loan suit best?

Are you interested in purchasing residential real estate or do you simply wish to invest into real estates and you do not want to or cannot prove your solvency in the usual way?

Do you dispose of sufficient assets? You have not yet been successful with your loan applications. But now the situation is completely different. We sell this type of mortgage loan as early as July 2005. To obtain this mortgage loan you do not need to prove your income by submitting tax returns, pay slips or confirmation of income. We are fully satisfied with your declaration of income and assets.

 

What may the loan be used for?

  • purchase of real estate
  • purchase of real estate abroad
  • to finance the purchase of a cooperative flat - payment for transfer of membership rights or payment for a membership share
  • construction of real estate
  • reconstruction of real estate
  • refinancing for loans and credits used for the purchase, construction or reconstruction of real estate
  • a combination of the above purposes
  • anything – we also offer all purpose mortgage loans

What types of real estate may be financed?

These mortgage loans are intended for investments into real estate which is predominately residential, or into commercial objects if these are purchased for housing purposes or for lease.

  • a housing unit
  • an atelier
  • a family house
  • apartment house
  • ancillary constructions (e.g., garages, outhouses) if they form a functional unit together with any of the properties listed above
  • anything - in the case of a non-purpose mortgage

Parameters of the Equi mortgage loan

  • the basic form of the new type of mortgage loan – you simply prove your solvency by your own declaration.
  • financing up to 50 % of pledge value

How is the loan repaid?

  • the loan maturity period varies from 5 up to 20 years
  • the loan is repaid in monthly annuity instalments
  • it is possible to choose a fixed interest rate for 1, 3, 4, 5, 6, 7, 10 or 15 years

Who may apply for the loan?

  • a citizen of the Czech Republic
  • a citizen of the EU or a citizen of any country who lives in the Czech Republic at least 2 years

Age restriction

  • the current minimum age for applicants is 18 years
  • the maximum acceptable age in the year the loan matures is 65 years

Additional navigation

[ ↑ k obsahu ↑ ]