* The interest rate is directly related to the EDGE certificate and is set depending on the type of certificate.

• Get EDGE certificate
• Energy saving certificate in A ++, A +, A, B categories
• Consistent income to successfully complete the payment of your mortgage loan;
• Actual need or demand to buy a new house or apartment;
• Capacity to finance at least 20 per cent of the total price of the house or apartment;
• At least 1 year of consistent work OR at least 2 successful business operations /Main applicant/;
• At least 1 year of consistent work OR at least 2 successful business operations /Co applicant/;

• Get EDGE certificate
• Energy saving certificate in A ++, A +, A, B categories
• Notarized ID copy of the applicant;
• Marriage certificate, if applicable;
• Residential;
• Employee reference letter;
• HUR reference: Social insurance payment (fingerprints can be read at the bank branch);
• Copy of employment contract;
• Business owners to submit documents related to their business operations;
• Documents showing an applicant’s capacity to pay off stated down payment;
• For newly built apartments, receipt of down payment transaction AND reservation contract of the apartment;
• For previously used apartments, Certificate of ownership, apartment purchase agreement and reference letter;
• State Registry Office References on whether any family member has ownership right immovable property;
• Other
• Both main applicant and co-applicant should complete the same documents.