The mortgage loan is a long-term loan for the purchase of an apartment or for the renovation and expansion of an existing apartment. For the majority of the public, the mortgage loan is one of the largest financial transactions he will make in his lifetime, with obligations for decades to come.
This loan can be taken for different periods, with different repayment paths and with a fixed or variable interest rate.
You can get a loan from the bank for any purpose, at a lower rate than a mortgage loan for the purchase of a first apartment up to 50% of the property's value, but the interest rate for this loan will usually be more expensive than that used for a normal mortgage loan. In these cases the difference in interest rates between the different banks will be very large.
Each mix of loan paths in each mortgage generates a level of risk, which may greatly affect our ability to repay in the future. That is why it is very important to choose the right mix of routes, with options to deal with changing market conditions in the future.

The advisors of Topcheck Mortgages and Finances will help you choose the optimal routes subject to the borrower's specific data and market conditions and in relation to future risks, even if they are not visible at the time of receiving the loan.