Green Home Loan

Yes, provided that the amount for replacing windows on the bill of quantities (measures to increase energy efficiency) equals more than 50% of the total cost of adaptation.

Of course it is. A thermal façade, insulated roof truss, three-layer windows and high-quality entrance door on a family house can significantly reduce heating energy consumption, depending on the initial state of the property and its location.

To live more comfortably in the inherited house, with smaller monthly utility costs, you can use a Green loan to finance the set-up of the façade, installation of new joinery, replace the heating system with a more energy efficient one and install solar thermal converters.

Yes, provided that the amount for setting up the façade on the bill of quantities (measures to increase energy efficiency) equals more than 50% of the total cost of adaptation.

Property valuation is the process determining the market value of certain real estate property. Property valuation is required when granting all loans that prescribe pledge transfer of ownership rights on a property as the security instrument (mortgage). 

You have the right to prepay, in part or in total, your obligations under the loan agreement at any time, without paying any costs or interest referring to the remaining duration of the loan agreement.

Intercalary interest is interest that is calculated and charged on the amount of a granted loan from the date when the loan is granted until the start of loan repayment. It is usually calculated according to the rate and method used for regular interest.

For example: if the loan was granted on 10 August, intercalary interest is calculated from 10 August until 31 August. From 1 September, regular interest is calculated.