Non-bank loans against collateral

Documentation

A loan for a flat , house or plot requires a full set of documentation for the purposes of analysis and preparation of a suitable loan offer for you. On its basis, we are able to thoroughly examine the legal status of real estate, which allows you to present in the shortest possible period of 24 hours, the assumptions of the loan agreement for the client. Based on the parameters resulting from the documentation, we are also able to precisely determine the amount of the loan, which results from the estimated value of the property. In the descriptions you will find a link to the electronic database of land and mortgage registers where you can check the current legal status of your property.

A loan against the flat

  • No. of the Land and Mortgage Register.
  • Notarial deed confirming the purchase of an apartment.
  • Certificate from a co-operative or housing community about not paying rent.
  • Certificate from the Tax Office on exemption from inheritance and donation tax or on paid tax. This applies to real estate acquired on the road:
  • Decline – the certificate is always required.
  • Donations – a certificate required when the donation took place after January 1, 2007.
  • Pictures of each room and photos of the staircase.

Home equity loan

 

  • No. of the Land and Mortgage Register .
  • Notarial deed confirming the purchase of real estate.
  • Extract from the land register.
  • Wyrys (map surveying) – only if the plot has an area above 30 ares or is marked as “Role”.
  • Certificate from the Tax Office on exemption from inheritance and donation tax or on paid tax. This applies to real estate acquired on the road:
  • Decline – a certificate is required for each Notarial activity.
  • Donations – a certificate required when the donation took place after January 1, 2007.
  • Pictures from the outside showing the whole building and photos of each room from inside the house.

A loan for pledging a building plot

  • No. of the Land and Mortgage Register .
  • Extract from the land register.
  • Wyrys (map geodetic).
  • Notarial deed confirming the purchase of real estate.
  • Certificate from the Tax Office on exemption from inheritance and donation tax or on paid tax. This applies to real estate acquired on the road:
  • Decline – a certificate is required for each Notarial activity.
  • Donations – a certificate required when the donation took place after January 1, 2007.
  • A few photos of the plot and neighboring buildings, the nearest neighborhoods.

Apartment without the Land and Mortgage Register

Loans are also granted for real estates that do not have an established Land and Mortgage Register. In this situation, we require a relevant certificate from the housing cooperative agreeing to separate the premises into the new Land Register and on the basis of this document on the day of signing the loan. The notary submits an application to the competent court to create it and charge it for the mortgage loan.

 

 

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