Frequently asked questions

Yes, when refinancing a mortgage loan under the simplified procedure, a credit assessment will be carried out in the standard way. We assess the amount and sustainability of income, credit history and other existing financial obligations.

If you apply for a simplified refinancing of the mortgage loan but want to increase the loan amount and/ or extend the term of the loan, you will be subject to the standard refinancing conditions and fees.

If you refinance your mortgage loan under the simplified refinancing procedure, there are no additional costs.

The simplified refinancing can be used up to once every 2 years.

Once you have submitted your application and all the required documents, the employee of the Bank will contact you as soon as possible, but no later than within 15 business days.

Usually, the refinancing process, including the signing of the agreement and the registration of the mortgage, takes from a couple to 5 business days.

Normally, similar documentation is required as for a new loan application: proof of income, the refinanced mortgage loan agreement and other documents that may be relevant to the decision to grant the loan.

Yes, it is possible. However, you will not be subject to the simplified refinancing procedure.