A base fixed-rate loan for the entire term of the loan is up to 80%.
Base loan with interest rate revision is up to 70%.
An additional loan up to 80% is possible.
Based on market value or construction cost (the lower amount applies).
A base loan is called primary mortgage and a supplementary loan is called second mortgage. Additional loans generally have higher interest rates.
Non-indexed loans
Non-indexed loans have higher monthly payments than indexed loans. Non-indexed loans do not increase with inflation, so asset growth is faster.
Fixed interest rate for 3 years at a time
Loan period up to 25 years.
Base loan for up to 70%.
Additional loan for 71–80%.
Additional loan to a loan from another credit institution for 50–80%.
Indexed loans
Indexed loans have lower monthly payments than non-indexed loans. They are linked to inflation so the principal amount can increase initially. This makes the asset growth slower.
Fixed interest rate for 5 years at a time
Loan period up to 40 years.
Base loan for up to 70%.
Additional loan for 71–80%.
Additional loan to a loan from another credit institution for 50–80%.
Fixed interest rate over the term of the loan
Loan period up to 35 years.
Base loan for up to 80%.
Service provider
Housing & Construction Authority