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. The loan amount is euro. to build a house on this land where .

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Mortgage loan for land acquisition with a down payment of 35%

Loan amount from € 10 000 to € 50 000, financing up to 65 % of the land value, and a loan repayment term of up to 7 years. Interest rate from 2.5 % + 6‑month Euribor.

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Mortgage loan for land acquisition along with construction

Financing up to 90 % of the total transaction amount with ALTUM guarantee. Loan repayment term up to 30 years. Financing is assessed together with the construction of the house. A construction project and construction estimate are required.

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Mortgage loan for the purchase of land by pledging an existing property

Loan amount starting from €10 000. Financing up to 70% of the market value of the real estate. Repayment term up to 20 years. The money is transferred to the customer’s account and an existing real estate is pledged. The land purchased is not pledged.

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Loan for the purchase of land without real estate collateral up to € 20 000

Loan amount from € 2 000 to € 20 000, financing up to 100 % of the transaction amount and a repayment term of up to 7 years. Fixed interest rate from 9 % per year. Appraisal and real estate pledge are not required.

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View table

	Interest rate	Financing	Down payment	Loan amount	Loan repayment period	Appraisal	Pledge	Disbursement of money
Loan for the purchase of land without real estate collateral up to € 20 000*	From 9 %	Up to 100 %	-	From € 2 000 to € 20 000	Up to 7 years	-	-	To the seller’s account after the registration of property rights.
Mortgage loan for land acquisition along with construction**	Financing is assessed along with the construction of the house	Up to 90 % of the total transaction with ALTUM guarantee	From 10 % with ALTUM guarantee	From € 10 000	Up to 30 years	For the land with the planned house	The land with the planned house	Typically, the customer buys the land for its own share of the investment. For construction, the bank disburses the money in installments into the customer’s account.
Mortgage loan for the purchase of land by mortgaging an existing property***	From 2.5 %+6‑month Euribor	Up to 70 % of your real estate market value	-	From € 10 000	Up to 20 years	For the pledged object	Existing real estate	To the customer’s account.
Mortgage loan for land acquisition with a down payment of 35 %****	From 2.5 %+6‑month Euribor	Up to 65 % of the value of the land	From 35 %	From € 10 000 to € 50 000	Up to 7 years	For the land	Plot of land	To the seller’s account after the registration of property rights.

Additional conditions:
*Land ownership must be registered in the customer’s name within 90 days of signing the agreement. The plot of land to be acquired is not evaluated (no asset valuation is required, and the possibility of building a house, the electricity connection, etc. is not assessed before signing the agreement).
**The costs of building the house must be submitted – a construction plan and an estimate. Access to the land must be legally guaranteed, and electricity must be connected before the disbursement of money. Construction cases are complicated and time-consuming, therefore we ask customers to apply for a loan before starting the process to discuss financing options and the construction process with the bank’s representative.
***The plot of land to be acquired is not evaluated (no appraisal is required, the possibility of building a house, the electricity connection, etc., is not assessed before signing the agreement).
****Access to the land must be legally guaranteed, and electricity must be connected before the disbursement of money. It will be possible to build a house on a plot of land.

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