Wrocław - a city of meetings
Refinancing loan
Convert your mortgage to a cheaper one!
This type of loan is intended for people who already have a mortgage loan from another bank, but are not satisfied with its pricing conditions. The refinancing loan will allow us to transfer our current loan to a new bank on more favorable terms. In this way, we will reduce the amount of the monthly installment and the total amount of interest. So we will just save.
What else will I gain thanks to the refinancing loan?
When transferring a loan to a new bank, we can modify its parameters. Extend or shorten the loan period. If we have free cash, we can overpay part of the loan when transferring and start repayment in a new bank at a lower amount. However, if we need additional money, we can apply for it with a refinancing loan. The new bank will repay us all our current loan plus will pay extra money to the account. There are many possibilities, it all depends on our needs.
Loan refinancing occurs in each of the banks. However, not every bank prepares special refinancing loan offers. Such offers are characterized by lower interest rates and no loan-related costs. They occur cyclically, so it is worth having a good credit advisor who will keep us informed.
To find out how much we will save on such a solution, we must check in our loan agreement what parameters you currently have - the interest rate, repayment period, etc. The easiest way, however, is to contact us. We will ask for the necessary data from the contract and determine the possibilities.
Saving
You will get a lower interest rate
Extra money
For renovation or any purpose
More possibilities
You are changing to a contract with the current rules
What will you learn at the meeting?
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What is your creditworthiness. How is it calculated and what does it depend on.
What the interest rate consists of and what repayment period will be best for you.
How to choose the best loan offer. How do they differ and what to pay special attention to.
How to replace an existing loan with a new one, based on more favorable terms.
How to complete and what documents are required when applying for a loan.
Sources of income
Acceptable
Contract of employment
Replacement employment contract
Management contract
Appointment
Contract of mandate
Contract for specific work. Rent. Rent. Retirement
Pension. Pre-retirement allowance
Economic activity
Dividends
Scholarship
Farm
Departments of special agricultural production
Pursuit of the profession of a seafarer
Income from the provision of pastoral service
Unacceptable
Unemployment benefit
Care, educational, rehabilitation and sickness allowance
A pension for a period shorter than the loan period
Profits from the sale of shares
Agreement for a trial period
Contract for the duration of the work
Income per role in the case of leased land
Income from activities carried out abroad
Child care benefit 500+
Employment when the applicant is on notice or on parental leave
Income from the company in which the applicant acts as a limited partner
Future income
Other benefits that are not of a permanent nature
