Purchase of non-housing estate, including refinancing of a non-housing loan, disbursed by other bank

Want to buy a property but need financing? Take advantage of our mortgage loans for purchase of a non-residential property or to refinance a similar loan granted by another bank.




Up to 85 % of the market value



Loan term

Up to 20 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 applicant must make regular repayments on their active loans.

  • 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.

  • Copy of the loan applicant’s ID card.

  • Documents certifying ownership of the property offered as collateral.

  • Valuation of the same property carried out by a certified appraiser. The costs of pledging the property are covered by the loan applicant.

  • Declaration regarding related persons – in the Bank’s standard form, if applicable.

  • Loan application in the Bank’s standard form.

  • Other documents, at the Bank’s discretion.