Bank EKI variable mortgage

EKI bonus system: Max. Reduction by -0.40% for residential buildings.

Variable first mortgage: 2.85%

11/21/2024

No minimum amount.

Not specified.

Primary residence, Secondary residence, Holiday home, Investment property, Commercial property

New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Renovation

Minergie discount, Family discount

Interest rates for commercial properties are 0.75% higher than for residential properties.

The maximum loan-to-value ratio for your property is 80%.

The mortgage costs must not exceed a third of your income.

Second mortgages are available.

Notice period of 3 months.

You don't have to pay off the first mortgage. You have to pay off the second mortgage in full within 15 years.
Direct amortization is available.
Indirect amortization is available.

The interest must be paid quarterly.