If you want to make a down payment on an equity loan, the payment must be at least 5% of the price of the property.
You need to get an appraisal from a real estate agent and then contact HMS by email hlutdeildarlan@hms.is or phone 440 6400, asking to make a down payment on the loan.
The loan is then recalculated and you will receive a claim to your internet bank for the amount