Mortgage loan
refinancing

We recommend consulting with a member of our staff to review your mortgage loan terms first. This may help you avoid the need for a new property valuation and re-registering the mortgage with a notary, which would be required when refinancing with another credit institution.

Fill out the application form and we will contact you. 

If you work abroad, earn income through self-employment or a business licence, or have income from investments or business activities, you will need to provide relevant documentation to support your income.

Simplified refinancing is completely free for customers and is available once every two years at no extra cost.

Thank you for your interest in our bank’s services. Fill out the application form and we will contact you.

You can take advantage of simplified refinancing if: 

• you do not wish to change the loan amount, the collateral or extend the term of the loan; 
• you have responsibly met the financial commitments you currently have. 

You can take advantage of simplified refinancing once every two years.

Yes, we will carry out a creditworthiness assessment before you refinance your mortgage loan under the simplified procedure, in the same way as when you apply for a new mortgage loan or refinancing under the standard procedure. After assessing your creditworthiness, we can make an offer to refinance your loan or refuse to do so.

Please note that failure to meet your financial obligations can have a negative impact on your credit history and make borrowing more expensive.

1. Submit an application.
2. Only then, if we ask, you will be required to provide a new independent property valuation report
3. Receive a loan refinancing offer and assess its acceptability.
4. Sign a mortgage loan agreement.
5. Mortgage real estate in favour of the bank and de-register the mortgage in favour of the former lender.

If you work abroad, earn income through self-employment or a business licence, or have income from investments or business activities, you will need to provide relevant documentation along with the application to support your income.

We will discuss other required documents, if any, during the consultation. 

As the refinancing bank, we will waive the arrangement fee, cover the notary and public registry fees for pledging the property to the bank, and reimburse you for the costs incurred in the public registry when de-registering the mortgage with the current creditor. 

After signing the agreement with the bank, we will also reimburse the cost of an independent property valuation if you incurred it at our request. 

If you have a variable-rate loan, you cannot be charged an early repayment fee by the other credit institution. However, it may apply if you have a loan with a fixed interest rate.

You can refinance your loan under the simplified procedure once every two years. For example, if you refinance today under the simplified procedure, you will be eligible again in two years (the two-year limit does not apply in the case of standard refinancing or making other changes according to your existing contract with your current credit institution).