A loan for the purchase of a flat of PLN 250,000 in a bank. You need a loan to buy an apartment in the amount of 250 thousand. zł? The main thing: read the mortgage proposals and compare them. You do not know how to do it or you do not know which mortgage to choose, it is enough to contact a financial intermediary.
Before we decide to buy a flat, using the funds obtained in the bank, it is necessary to check which bank offers the best loan for the purchase of a flat of PLN 250,000.
The mortgage calculator will calculate the estimated monthly installment, but it does not present the mortgage ranking. Therefore, it enables quick contact with a selected bank or financial intermediary regarding the loan.
Do you know that a mortgage is the cheapest type of loan? The nominal interest rate of such a loan is definitely lower than in the case of cash loans. If it was possible to borrow cash, for example at PLN 250,000 for 25 years in the form of a cash loan, the cost of such a loan would be much higher than the same mortgage loan.
Estimated calculation of loan installments: loan for the purchase of a flat PLN 250 thousand. The value of the flat: PLN 320,000.
Loan for the purchase of a flat PLN 250 thousand banks and realtors
Do not know what loan to buy an apartment to choose? Which bank to contact? You can arrange a free meeting with a financial intermediary.
Example of a loan for the purchase of a flat of PLN 250 thousand:
APRC: 4.55% (WIBOR 3M: 1.71%, as at January 14, 2019).
Variable interest rate 4.02%.
The loan term is 29 years.
The total amount of the mortgage (without crediting costs) 250 thousand zł.
The total amount to be paid by the consumer is PLN 453 574.20.
The total cost of the mortgage loan PLN 197 574.20.
Installment of loan PLN 1 245.56.
Number of installments 348.
Calculation on 14.01.2019.
What is the cheapest loan for the purchase of a flat of PLN 250,000
The above example shows how much our loan for a flat can cost. What we actually give to the bank outside the borrowed capital depends on several parameters:
Credit margin – the amount of the installment depends on it and is part of the loan interest rate. It remains constant throughout the entire loan period. The second part of the interest rate is the interest rate, e.g. Wibor 3M (in the case of PLN mortgage loans). It is usually variable.
Commission for granting a mortgage. This is a one-time payment, usually defined as a certain percentage of the value of the capital to be borrowed.
Additional costs and fees charged by the bank, e.g. obligatory and optional insurance.