A calculator that can assist you in determining your maximum mortgage amount, your ideal monthly payment, and the amount of cash you have available to purchase an apartment. The finvasia brokerage calculator can be useful in this situation.

•A range of interest rate update intervals, from which you can pick the one that works best for you in advance: either 2, 5, or 7.

• Low interest rate in comparison to a long-term loan: the interest rate is set by the interest rate update period, which is brief in comparison to the loan length.

•The initial monthly repayment is relatively low because the loan is granted for a long time at a low interest rate.

•Risk diversification and opportunity utilization: integrating many loan sectors into a single loan provides flexibility for future changes and lowers long-term risks.

•Early repayment without a commission: The loan may be repaid at any time without incurring an early repayment penalty other than an operating charge, provided that at least 10 days' notice is given and the track is unindexed (based on prime interest) or foreign currency-linked (USD/EUR).

Borrowers who plan to pay back a portion of the loan before the loan's contractual payback deadline should choose a mortgage with a winning composition.

•A loan that incorporates the benefits of every loan option the bank provides.

•Diversification of risks and utilization of opportunities - by merging various linked sectors into a single loan, flexibility for future changes and a decrease in long-term risks are made possible.

•If a loan includes both an unindexed track (based on prime interest) and/or a track linked to a foreign currency (the dollar or the euro), it will be feasible to repay these tracks whenever you choose with at least 10 days' notice and no early repayment penalties other from a "operational charge."

•If the loan payback is not made, arrears interest may be assessed and writ of execution proceedings may be initiated.

•All credit and credit card types, loan types, and collateral are provided at the bank's discretion.

The conditions set forth in the loan agreements, as well as any other paperwork that the bank and the customer must sign, are those that will be binding on the parties. The above is provided for informational purposes only and in no way represents an offer to grant credit.

The bank will have the right to set the interest rate, when updating the interest rate in accordance with a "emergency protection mechanism," all as specified in the loan documents, in the event that there is a rise in the cost of raising funds in a sector that is not linked to the Consumer Price Index.

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