Current/regular purposes/needs or refinancing same type of credit, disbursed by other bank

When you need a change, but don’t have enough money to make it, you can take advantage of the current needs mortgage loan or refinance a similar loan granted by another bank.



Up to 85 % of the market value



Loan term

Up to 15 years


  • The loan applicant must have worked for their current employer for at least 6 months.

  • The loan applicant must have a verifiable regular income.

  • The loan applicant must have a verifiable regular income.

  • First-ranking mortgage on the property serving as collateral.

  • A first-rank mortgage on the real estate serving as collateral.

  • The loan applicant must be no older than 65 years at the end of the loan’s term. Loan applicants who would be older than 65 at the end of the loan’s term must meet the following additional criteria:

    • They must produce a co-debtor on the loan who is at least 18 years of age at the time of application and would be younger than 65 years of age at the end of the loan’s term.

    • The remaining loan amount at the applicant’s 65th birthday must not exceed 35% of the individual collateral evaluation.

How to apply

At a bank branch

Discuss the transaction with one of our consultants. Complete a loan application form and prepare the required documents.

Online enquiry

Complete the online enquiry form and one of our consultants will get back to you.

  • A copy of the loan applicant’s ID card.

  • Documents certifying the ownership of the real estate offered as collateral.

  • The evaluation costs shall be borne by the loan applicant.

  • Related persons statement (standard form provided by the Bank), if applicable.

  • Loan Request (standard form provided by the Bank).

  • Evaluation of this real estate performed by a certified appraiser.