The best solution, whichever the purpose of your Mortgagesinternational investment bank has for you a differenced Mortgage adjusted to your needs, followed up as you may wish. |
Mortgages – General RegimeThe commitment of international investment bank is to help you to turn your dream into reality. |
The maximum term of your loan can be of up to 25 years and the amount of the financing can be up to 70% of the appraised value for a loan up to 25 years. |
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Purposes |
Account (1) |
Maximum Term |
Purchase of a 1st home |
70% | 25 years |
Purchase of a 1st home |
70% | 25 years |
Construction |
70% | 25 years |
(1) over the appraised value
Maximum age of Proponents
- The oldest proponent cannot be over 65 years of age up to the end of the term of the loan.
Check List
To make the contracting process of your Mortgages easy, know all the documents you shall need.
Personal Documents |
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Documents of the Property |
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Additionally, and depending on the relevant purpose, you should provide following documents:
Purchase |
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Works |
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Construction |
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Step by Step
Credit Decision
- International Investment Bank will help you to realize your dream. For purchase, construction or improvements works.
- Know all the charges involved in a Mortgages at Bank, insurances and State level.
Use of the Loan
- Upon execution of the public deed, in case of purchase, your account is credited for the value of the loan.
- If you have requested an advance payment for the down payment, your account is simultaneously debited for the amortisation of such advance payment.
- In case of a loan for construction, draw downs of principal are made available depending on the progress of the works and upon inspection by International Investment Bank. During this period of partial draw downs of the loan, you only pay the interests instalments relating to the used tranches. The maximum period to conclude the construction and to the partial draw downs is of 24 months, after which the amortisation of the loan shall start.
- If the loan includes the financing for the purchase of the plot of land, your account is credited for the value of the loan.
Public deed of constitution of the mortgage
- You must ask to International Investment Bank for the schedule of the public deed.
- All parties intervening in the process are called by the Bank for the respective execution. The date of the public deed is notified to the buyers, sellers, to the Bank and to the grantors, if applicable.
- The public deed is made for the value of the purchase and can be executed at any Notary Office.
Direct Records
- Upon execution of the public deed, you shall made the necessary records at the Registry Office.